WHISTL ANNUAL REPORT 2022

Contents

Strategic Report 4 Executive Chairman’s Statement 6 Our Business Areas 11 Financial Review 14 Our People 18 Environment, Social & Governance 29 Risk Management 32 Governance Financials 38 Directors’ Report 40 Independent Auditor’s Report 42 Financial Statements 47 Notes to the Financial Statements

67 Directors & Advisors 68 Glossary

Whistl Consolidated Limited Consolidated financial statements for the year ended 31 December 2022. Registered number: 11995959 (England and Wales)

Whistl Annual Report 2022

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