Index A B E C F D 136 CRH Accounting policies 76 Acquisitions Committee 37, 50 American Depositary Receipts 123 Americas Distribution - 2012 Results 35 Americas Distribution - Operations Review 35 Americas Materials - 2012 Results 27 Americas Materials - Operations Review 27 Americas Products - 2012 Results 31 Americas Products - Operations Review 31 Amortisation - Intangible assets (note 15) 94 - Segment information (note 1) 83 Associated undertakings, principal 135 Associates’ (loss)/profit, Share of (note 10) 90 Audit Committee 37, 44 Auditors, Report of Independent 71 Auditor’s remuneration (note 4) 86 Balance sheet - Company 118 - Consolidated 72 Board approval of financial statements (note 33) 117 Board Committees 37, 43 Board of Directors 36 Business combinations and acquisitions of joint ventures (note 31) 115 Business Model 14 Capital and financial risk management (note 22) 101 Cash and cash equivalents (note 23) 103 Cash flow statement, Consolidated 75 Cash flow - summary 19 Chairman’s Statement 8 Changes in Equity: issued share capital, share premium account,  Treasury Shares/own shares, other reserves, foreign currency  translation, retained income and non-controlling interest 74 Chief Executive’s Review 13 Communications 123 Compliance and ethics 51 Compliance statement 53 Corporate governance report 38 Corporate social responsibility 6, 52 Cost analysis (note 3) 86 CREST 122 Debt, Analysis of net (note 21) 99 Deferred acquisition consideration payable (note 19) 98 Deferred income tax - Expense (note 11) 91 - Assets and liabilities (note 27) 108 Finance Committee 37, 50 Finance costs and income (note 9) 90 Finance leases (note 30) 114 Finance Review 17 Financial assets (note 16) 96 Financial calendar 123 Financial summary, Group (1995-2012) 124, 125 Frequently asked questions 123 FTSE4Good 6 Earnings per Ordinary Share (note 13) 92 Employees, average numbers (note 6) 87 Employment costs (note 6) 87 End-use - Americas Distribution 23 - Americas Materials 23 - Americas Products 23 - Europe Distribution 22 - Europe Materials 22 - Europe Products 22 Environment and climate change 6 Europe Distribution - 2012 Results 34 Europe Distribution - Operations Review 34 Europe Materials - 2012 Results 26 Europe Materials - Operations Review 26 Europe Products - 2012 Results 30 Europe Products - Operations Review 30 Exective Management Team 11 Exchange rates 82 Depreciation - Cost analysis (note 3) 86 - Property, plant and equipment (note 14) 93 - Segment analysis (note 1) 83 Derivative financial instruments (note 25) 105 Development activity 8 Directors’ emoluments and interests (note 7) 88 Directors’ interests in share capital 67 Directors’ interests - share options 65 Directors’ remuneration, Report on 54 Directors’ Report 68 Directors’ responsibilities, Statement of 70 Distribution 32 Dividend payments (shareholder information) 122 Dividends (note 12) 92 Dow Jones Sustainability Indexes 6