Consolidated Annual Report 2014

BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED ANNUAL REPORT 2014 67 BARBADOS PUBLIC WORKERS' CO-OPERATIVE CREDIT UNION LIMITED Notes to the Consolidated Financial Statements For the year ended March 31, 2014 (Expressed in Barbados dollars) 53 24. Financial Risk Management…(continued) 24.2 Credit risk... (continued) The tables below show the credit quality and aging analysis by class of financial assets. 2014 Neither past due Past due but Individually nor impaired not impaired impaired Total Cash resources $ 122,627,943 - - 122,627,943 Financial investments: Held to maturity 20,395,633 - - 20,395,633 Loans and receivables 3,181,576 - - 3,181,576 Loans and advances: Consumer 399,703,759 68,137,026 31,108,593 498,949,378 Mortgages 283,952,865 32,369,120 24,586,589 340,908,574 Business 1,035,304 1,535,229 721,534 3,292,067 Total $ 830,897,080 102,041,375 56,416,716 989,355,171 2013 Neither past due Past due but Individually nor impaired not impaired impaired Total Cash resources $ 117,433,453 - - 117,433,453 Financial investments: Held to maturity 16,377,955 - - 16,377,955 Loans and receivables 3,272,398 - - 3,272,398 Loans and advances: Consumer 382,784,145 61,810,349 33,642,427 478,236,921 Mortgages 245,912,283 33,457,415 25,171,083 304,540,781 Business 7,450,989 1,172,605 717,336 9,340,930 Total $ 773,231,223 96,440,369 59,530,846 929,202,438 Within the Group, past due but not impaired loans represents loans which are in arrears between 1 to 90 days where the specific details on those loans indicate recovery is not at issue.