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 & Analysis . . . . . 14 Board of Directors’ Report . . . . . . . . . . . . 20 Independent Auditors’ Report . . . . . . . . . 32 Consolidated Financial Statements . . . . . 36 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. LOCAL. TRUSTED. Serving our communities ONE opportunity at a time. In recognition of the ongoing pandemic and the difficult and changing operating environment we faced, our operating plans reflected a transition frombusiness as usual to one focused on supporting, helping and providing solutions tomembers affected and displaced by the virus
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