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 . . . . . . . . 22 Independent Auditors’ Report . . . . . 38 Consolidated Financial Statements 40
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