ANNUAL REPORT AND ACCOUNTS 2012 - RSA, Annual Report ...

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SHAREHOLDER INFORMATION Registered Office and Group Corporate Centre 9th Floor, One Plantation Place, 30 Fenchurch Street, London EC3M 3BD. Telephone: +44(0) 20 7111 7000. Registered in England and Wales No. 2339826. Group website The Company’s corporate website provides shareholders with a broad range of information about the Company’s heritage, social and environmental responsibilities and investor information such as the Group’s financial statements, current and historic share prices, AGM materials, events, governance information and answers to frequently asked questions in respect of shareholder matters. Visit the investor website at www.rsagroup.com for further information. Registrar The Company’s share register is maintained by Equiniti Limited. Any administrative enquiries relating to shareholdings, such as dividend payment instructions or a change of address, should be notified to Equiniti at the following address: Equiniti Limited Aspect House Spencer Road Lancing West Sussex BN99 6DA Telephone: 0871 384 2048 When contacting Equiniti, please quote your shareholder reference number which can be found on your share certificate or dividend tax voucher. Calls cost 8p per minute plus network extras. Telephone lines are open from 8.30am to 5.30pm Monday to Friday. Overseas callers should use +44(0) 121 415 7064. Shareholders with a text phone facility should use +44(0) 871 384 2255 or alternatively use the Text Relay service by dialling 18001 0121 415 7064 directly from the text phone. Annual General Meeting Holders of RSA ordinary shares are invited to attend the Company’s Annual General Meeting (AGM), which will be held at 200 Aldersgate, St Paul’s, London EC1A 4HD at 11.00am on 15 May 2013. Managing your shareholding Information on how to manage your shareholding can be found at https://help.shareview.co.uk. If you do not find the information you require, you can send your enquiry via secure email from these pages. You will be asked to complete a form providing your name, address and shareholder reference number. If you require an email response, you will need to provide your email address. Electronic communications Receiving the Company’s communications electronically allows the Company to communicate with its shareholders in a more environmentally friendly, cost effective and timely manner. You can elect to receive email notifications of shareholder communications by registering at www.shareview.co.uk where you can also set up a bank mandate to receive dividends directly to your bank account and submit proxy votes for shareholder meetings. Shareholders may elect to receive a printed copy of the Annual Report and Accounts at any time by contacting Equiniti. Dividends Shareholders are encouraged to have their dividends paid directly into their bank account. It is a more secure and faster way to receive the dividend payment with cleared funds available to shareholders on the dividend payment date. Shareholders who have their dividends paid directly into their bank receive a consolidated tax voucher in March, showing payments received in the respective tax year. Alternatively, individual tax vouchers are available upon request. To take advantage of this convenient method of payment visit www.shareview.co.uk or contact Equiniti. Details of 2013 dividend dates can be found in the Financial Calendar on page 150. Scrip Dividend Scheme The Company offer a Scrip Dividend Scheme to shareholders giving them the opportunity to use their final and interim dividend payments to increase their holding in the Company without incurring dealing costs or stamp duty. Shareholders wishing to receive a scrip dividend instead of a cash dividend should contact Equiniti for details or visit the shareholder services area of the Company’s website. Details of the 2013 scrip election dates can be found in the Financial Calendar on page 150. Amalgamation of accounts Shareholders who receive duplicate sets of Company mailings owing to multiple accounts in their name should contact Equiniti to request that their accounts be amalgamated. Low cost share dealing facilities Shareholders may purchase or sell their RSA ordinary shares through their stockbroker, a high street bank or one of the providers detailed below: Equiniti offer a telephone and internet dealing service. Commission is currently 1.5% with a minimum charge of £45 for telephone dealing and currently 1.5% with a minimum charge of £40 for internet dealing. For telephone sales call +44(0) 845 6037 037 between 8.30am and 4.30pm, Monday to Friday. For internet sales log on to www.shareview.co.uk/dealing. Please quote your shareholder reference number. Stocktrade also offer a telephone dealing service. Commission is currently 0.5% on amounts up to £10,000 and 0.2% on the excess thereafter, all of which are subject to a minimum charge of £17.50. A postal dealing service is also available upon request. For telephone sales call +44(0) 131 240 0414 between 8.00am and 4.30pm, Monday to Friday. Please quote reference: Low Cost 331. Alternatively visit their website, www.stocktrade.co.uk. 148 | RSA | Annual Report and Accounts 2012
OTHER INFORMATION Distribution of shares by geography (%) Analysis of investors (%) UK USA and Canada Europe Asia and others 64 18 13 5 Unit trusts/Mutual funds Private/Retail Pension funds Other Insurance 52 14 13 14 7 Please note that rates quoted are as at February 2013 and may be subject to change. Please contact either provider for further guidance on their full terms and conditions. Share register fraud: protecting your investment It is required by law that our shareholder register is available for public inspection. We are unable to control the use of information obtained by persons inspecting the register. Shareholders are advised to be wary of any unsolicited advice, offers to buy shares at a discount, or offers of free reports about the Company. Details of any share dealing facilities that the Company endorses will be included in Company mailings or on our website. If you receive any unsolicited advice, make sure you get the correct name of the person and organisation and check that they are appropriately authorised by the FSA by visiting www.fsa.gov.uk/fsaregister. More information on protecting your investment can be found at www.fsa.gov.uk/consumerinformation/stay_safe. Tips on protecting your shares • Keep any documentation that contains your shareholder reference number in a safe place and destroy any documentation you no longer require by shredding it • Inform Equiniti promptly when you change your address • Be aware of dividend payment dates and contact Equiniti if you do not receive your dividend cheque, or better still, make arrangements to have the dividend paid directly into your bank account • Consider holding your shares electronically in a CREST account via a nominee. Shareholdings by size (as at 31 December 2012) No. of shares Shareholders % Shares % 1 – 24,999 42,782 95.73 123,308,466 3.43 25,000 – 99,999 1,034 2.31 45,709,026 1.27 100,000 – 499,999 402 0.90 93,571,770 2.60 500,000 – 999,999 133 0.30 95,295,312 2.65 1,000,000 – 1,999,999 106 0.24 152,531,068 4.24 2,000,000 and above 231 0.52 3,085,535,673 85.81 Total 44,688 100 3,595,951,315 100 ShareGift Shareholders with a small number of shares, the value of which makes it uneconomic to sell them, may wish to consider donating them to charity through ShareGift, a registered charity administered by The Orr Mackintosh Foundation, registered charity number 1052686. The relevant share transfer form can be obtained from Equiniti. Further details can be obtained from www.sharegift.org or by calling +44(0) 20 7930 3737. Share ownership The issued share capital of the Company consists of two classes; ordinary shares with a nominal value of 27.5p each and preference shares with a nominal value of £1 each. Further details of the Company’s share capital is detailed in Note 18. The Company is listed on the London Stock Exchange under the code RSA. The average total daily trading volume during 2012 was approximately 12m ordinary shares. The closing market price of an ordinary share on 3 January 2012 was 107.8p and the closing market price on 31 December 2012 was 125.7p. The highest daily closing price of an ordinary share was 127.9p on 24 December 2012 and the lowest daily closing price was 97.65p on 1 June 2012. Annual Report and Accounts 2012 | RSA | 149
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ANNUAL REPORT AND ACCOUNTS 2012
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INTRODUCTION This Annual Report and
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INTRODUCTION CANADA 19% of 2012 Gro
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INTRODUCTION PAY CLAIMS INVEST PRUD
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BUSINESS REVIEW 8 Chairman’s Stat
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BUSINESS REVIEW FINANCIAL HIGHLIGHT
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