Consolidated Annual Report 2023

Organisational Structure	3
Our Leaders	4
BPWCCUL Board of Directors	4
BPWCCUL Executive Management Team	5
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	32
Consolidated Financial Statements	36

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