Opinion on financial statements
In our opinion the financial
statements:
• give a true and fair view of the
state of the Group’s and of the
parent Company’s affairs as at 31
March 2015 and of the Group’s
profit for the year then ended;
• have been properly prepared
in accordance with United
Kingdom Generally Accepted
Accounting Practice; and
• have been prepared in
accordance with the
requirements of the Companies
Act 2006.
Matters on which we are required
to report by exception
We have nothing to report in respect
of the following matters where the
Companies Act 2006 requires us to
report to you if, in our opinion:
• adequate accounting records
have not been kept by the
parent Company, or returns
adequate for our audit have not
been received from branches not
visited by us; or
• the parent Company financial
statements are not in agreement
with the accounting records and
returns; or
• certain disclosures of Directors’
remuneration specified by law
are not made; or
• we have not received all the
information and explanations we
require for our audit.
Annual Report 2015
audit. If we become aware of any
apparent material misstatements
or inconsistencies we consider the
implications for our report.
David Hall FCA
(Senior Statutory Auditor)
for and on behalf of Deloitte LLP
Chartered Accountants and Statutory
Auditor
Birmingham, UK
4 August 2015
Opinion on other matter prescribed
by the Companies Act 2006
In our opinion the information
given in the Directors’ Report for the
financial year for which the financial
statements are prepared is consistent
with the financial statements.
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