Non-Consolidated Annual Report 2016

BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED NON-CONSOLIDATED ANNUAL REPORT 2016 62 BARBADOS PUBLIC WORKERS' CO-OPERATIVE CREDIT UNION LIMITED Notes to the Non-consolidated Financial Statements For the year ended March 31, 2016 (Expressed in Barbados dollars) 47 24. Financial Risk Management, continued Credit risk, continued 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 78,908,935 22,827,754 522,648,838 Mortgages 188,242,802 37,117,465 14,107,154 239,467,421 Business 1,257,015 1,513,834 286,660 3,057,509 Total $ 730,023,150 117,540,234 37,221,568 884,784,952 Aging analysis of past due but not impaired loans and advances: 2016 1-30 days 31-60 days 61-90 days Over 90 days Total Loans and advances: Consumer $ 54,593,687 19,127,609 5,554,829 9,797,668 79,276,125 Mortgages 25,022,460 9,532,123 4,419,282 10,855,184 38,973,865 Business 1,018,186 186,519 - 342,462 1,204,705 Total $ 80,634,333 28,846,251 9,974,111 20,995,314 119,454,695 2015 1-30 days 31-60 days 61-90 days Over 90 days Total Loans and advances: Consumer $ 51,461,060 15,853,922 3,435,488 8,158,465 70,750,470 Mortgages 24,330,240 4,981,505 2,603,543 5,202,177 31,915,288 Business 991,501 182,012 28,034 312,287 1,201,547 Total $ 76,782,801 21,017,439 6,067,065 13,672,929 103,867,305