Consolidated Annual Report 2016

9 BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED CONSOLIDATED ANNUAL REPORT 2016 2016 2015 2014 2013 2012 Financial statistics in percent: Asset Growth 11.50 7.24 6.91 4.93 7.63 Loan Growth 10.53 9.81 6.52 3.32 5.21 Deposit Growth 13.31 9.09 8.64 4.95 9.22 Net Surplus Growth 36.71 -13.35 -13.10 38.49 52.78 Return on Assets 1.14 0.91 1.13 1.38 1.06 Return on Equity 11.84 9.54 12.11 15.69 12.86 Operating Efficiency 72.44 77.02 76.10 70.61 77.87 Net Interest Margin 4.90 4.72 4.95 4.90 4.91 2016 2015 2014 2013 2012 Other statistics Delinquency ratio (%) 6.3 6.7 6.7 7.5 7.2 # of members (000’S) 78.4 73.0 68.7 64.7 61.6 # of branches 4 4 4 4 3 Net income per member $168.14 $132.03 $162.04 $197.91 $150.10 CONSOLIDATED FINANCIAL HIGHLIGHTS FOR THE YEARS ENDED MARCH 31, 2012 TO MARCH 31, 2016 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