Non-Consolidated Annual Report 2015

BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED NON-CONSOLIDATED ANNUAL REPORT 2015 55 BARBADOS PUBLIC WORKERS' CO-OPERATIVE CREDIT UNION LIMITED Notes to the Non-consolidated Financial Statements For the year ended March 31, 2015 (Expressed in Barbados dollars) 44 24. Financial Risk Management…(continued) 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 $ 93,772,722 - - 93,772,722 Financial investments: Held-to-maturity 25,838,462 - - 25,838,462 Loans and advances: Consumer 420,912,149 70,750,470 30,986,219 522,648,838 Mortgages 188,242,802 31,915,288 19,309,332 239,467,422 Business 1,257,015 1,201,547 598,947 3,057,509 Total $ 730,023,150 103,867,305 50,894,498 884,784,953 2014 Neither past due Past due but Individually nor impaired not impaired impaired Total Cash resources $ 109,228,502 - - 109,228,502 Financial investments: Held-to-maturity 20,395,633 - - 20,395,633 Loans and advances: Consumer 380,726,564 67,989,507 29,662,385 478,378,456 Mortgages 171,136,834 33,795,704 16,283,713 221,216,251 Business 1,035,304 1,535,229 721,534 3,292,067 Total $ 682,522,837 103,320,440 46,667,632 832,510,909 Within the Credit Union, 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 an issue.