Consolidated Annual Report 2015

7 BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED CONSOLIDATED ANNUAL REPORT 2015 2015 2014 2013 2012 2011 Financial statistics in percent: Asset Growth 7.24 6.91 4.93 7.63 25.39 Loan Growth 9.81 6.52 3.32 5.21 30.64 Deposit Growth 9.09 8.64 4.95 9.22 21.16 Net Surplus Growth -13.84 -13.55 39.28 55.72 -33.08 Return on Assets 0.93 1.15 1.41 1.08 0.80 Return on Equity 9.68 12.35 16.08 13.10 9.28 Operating Efficiency 80.26 76.10 70.61 77.87 83.00 Net Interest Margin 4.72 4.95 4.90 4.91 5.01 2015 2014 2013 2012 2011 Other statistics Delinquency ratio (%) 6.8 6.7 7.5 7.2 3.9 # of members (000’S) 73.0 68.7 64.7 61.6 58.6 # of branches 4 4 4 3 3 Net income per member $133.87 $165.25 $202.96 $152.94 $103.28 CONSOLIDATED FINANCIAL HIGHLIGHTS FOR THE YEARS ENDED MARCH 31, 2011 TO MARCH 31, 2015 In Bds $’000 Principal Bankers Barbados Public Workers’ Co-operative Credit Union Limited - Republic Bank (Barbados) Ltd. BPW Financial Holdings Inc. - CIBC First Caribbean International Bank Capita Financial Services Inc. - CIBC First Caribbean International Bank Auditors KPMG – Chartered Accountants