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At The City of Bridgetown Credit Union (COB), our member-owners and their financial needs are our top priority. We pride ourselves on being a large credit union that still holds true to traditional credit union values. Your voice and vote guide the direction of the credit union, meaning that we are here for you, we work for you, and we will do everything in our power to ensure that your relationship with COB is a positive and rewarding one through every phase of your life.

It is no secret that countries globally have been faced with having to deal with the current world-wide recession. Here in Barbados it is no different. Even though the general outlook may not be very positive, members and employees of the City of Bridgetown Cooperative Credit Union can look to us for H.O.P.E., a principle which coincides with the mission and purpose of the credit union. Since its inception in 1983, The City of Bridgetown Co-operative Credit Union has been constantly and consistently Helping Our People Excel. Hence our theme for this year: H.O.P.E.

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INDEPENDENT AUDITORS’ REPORT

To the Members of City of Bridgetown Co-operative Credit Union Limited

We have audited the accompanying consolidated financial statements of City of Bridgetown Co-operative Credit Union Limited (“the Credit Union”), and those of the parent which comprise the statement of financial position as of 31 March 2014, and the statement of comprehensive income, statement of changes in members’ equity and statement of cash flows for the year then ended, and a summary of significant accounting policies and other explanatory notes.

Management’s responsibility for the