Non-Consolidated Annual Report 2015

BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED NON-CONSOLIDATED ANNUAL REPORT 2015 9 2015 2014 2013 2012 2011 Financial statistics in percent: Asset Growth 6.12 6.02 4.42 6.21 10.80 Loan Growth 9.08 4.89 1.41 5.98 11.19 Deposit Growth 7.39 7.34 4.02 6.02 9.63 Net Surplus Growth -7.87 -13.06 20.67 46.36 -33.26 Return on Assets 1.06 1.22 1.48 1.29 0.96 Return on Equity 9.40 11.16 14.29 13.38 10.17 Operating Efficiency 77.81 75.01 69.49 73.86 79.23 Net Interest Margin 4.92 5.13 5.09 5.07 4.99 2015 2014 2013 2012 2011 Other statistics Delinquency ratio (%) 6.7 6.6 7.7 6.9 4.8 # 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 $131.59 $151.77 $185.36 $161.35 $115.89 FINANCIAL HIGHLIGHTS FINANCIAL HIGHLIGHTS - FIVE YEAR REVIEW In Bds $’000