Consolidated Annual Report 2015

63 BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED CONSOLIDATED ANNUAL REPORT 2015 BARBADOS PUBLIC WORKERS' CO-OPERATIVE CREDIT UNION LIMITED Notes to the Consolidated Financial Statements For the year ended March 31, 2015 (Expressed in Barbados dollars) 51 25. Financial Risk Management…(continued) 25.2 Credit risk...(continued) The tables below show the credit quality and aging analysis by class of financial assets. 2015 Neither past due Past due but Individually nor impaired not impaired impaired Total Cash resources $ 108,772,406 - - 108,772,406 Financial investments: Held to maturity 25,838,462 - - 25,838,462 Loans and receivables 3,112,780 - - 3,112,780 Loans and advances: Consumer 444,083,101 70,755,458 33,119,424 547,957,983 Mortgages 304,551,239 32,812,172 28,802,731 366,166,142 Business 7,884,946 1,201,547 598,947 9,685,440 Total $ 894,242,934 104,769,177 62,521,102 1,061,533,213 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 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.