Directors' report & financial statements for the year ending 20th February 2019.

As the Club enters its second 150 years, it continues to aim for market leadership by attracting high quality Members through the delivery of market leading service, including loss prevention and safety initiatives, and excellent financial security. This central ethos will continue to guide the Club as it evolves to meet the changing needs of its Members. New opportunities and challenges will arise as the global trade moves increasingly towards a digital age and the Club is well positioned to meet these changes over the coming years.