Consolidated Annual Report 2018

CONTENTS Organisational Structure 3 Our Leaders Barbados Public Workers’ Co-operative Credit Union Limited 4 BPW Financial Holdings Inc. 5 CAPITA Financial Services Inc. 6 CAPITA Insurance Brokers Inc. 7 Consolidated Financial Highlights 8 Management Discussion and Analysis 10 Board of Directors’ Report 13 Independent Auditors’ Report 16 Consolidated Financial Statements 20