Consolidated Annual Report 2021

CONTENTS Organisational Structure . . . . . . . . . . . . . . . 3 Our Leaders Barbados Public Workers’ Co-operative Credit Union Limited . . . . . . . . . . . . . . . . . . 4 Legacy Foundation . . . . . . . . . . . . . . . . . . . . 6 Allied Co-Operators Incorporated . . . . . . . 7 BPW Financial Holdings Inc . . . . . . . . . . . . 8 CAPITA Financial Services Inc . . . . . . . . . . 8 CAPITA Insurance Brokers Inc . . . . . . . . . 10 Consolidated Financial Highlights . . . . . . 12 Management Discussion and Analysis . . . 14 Board of Directors’ Report . . . . . . . . . . . . 20 Independent Auditors’ Report . . . . . . . . . 28 Consolidated Financial Statements . . . . . 32 Our Vision We are a group of companies committed to improving the livelihood of people and their communities. In response to the COVID-19 environment and the related changes it has brought upon us we took the opportunity to revisit and review our strategic plan in order to redetermine what is required to realise our vision of providing an unrivaledmember experience and becoming a group of companies consistently improving the livelihood of people and their communities.

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