Non-Consolidated Annual Report 2016

BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED NON-CONSOLIDATED ANNUAL REPORT 2016 9 2016 2015 2014 2013 2012 Financial statistics in percent: Asset Growth 9.68 6.12 6.02 4.42 6.21 Loan Growth 9.56 9.08 4.89 1.41 5.98 Deposit Growth 11.33 7.39 7.34 4.02 6.02 Net Surplus Growth 40.97 -7.87 -13.06 20.67 46.36 Return on Assets 1.39 1.06 1.22 1.48 1.29 Return on Equity 12.01 9.40 11.16 14.29 13.38 Operating Efficiency 69.15 74.69 75.01 69.49 73.86 Net Interest Margin 5.17 4.92 5.13 5.09 5.07 2016 2015 2014 2013 2012 Other statistics Delinquency ratio (%) 6.3 6.7 6.6 7.7 6.9 # 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 (000’s) $172.75 $131.53 $151.77 $185.36 $161.35 FINANCIAL HIGHLIGHTS FINANCIAL HIGHLIGHTS - FIVE YEAR REVIEW In Bds $’000