Non-Consolidated Annual Report 2016

BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED NON-CONSOLIDATED ANNUAL REPORT 2016 69 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) 54 24. Financial Risk Management, continued Market risk, continued Interest rate risk , continued 2015 Up to Within Within Over Non-interest 3 months 3-12 months 1-5 years 5 years bearing Total Cash resources $ 44,940,484 29,615,243 19,216,995 - - 93,772,722 Financial investments – Held-to-maturity 2,082,500 5,646,962 7,109,000 11,000,000 - 25,838,462 Loans and advances 14,231,946 25,200,556 190,162,891 516,901,546 - 746,496,939 Due from related companies - - - - 17,425,274 17,425,274 Other assets - - - - 3,937,049 3,937,049 Total assets $ 61,254,930 60,462,761 216,488,886 527,901,546 21,362,323 887,470,446 Deposits $ 431,817,993 55,072,201 256,421,519 31,804,572 - 775,116,285 Loans payable 765,343 2,332,256 13,298,434 17,049,099 - 33,445,132 Reimbursable shares - - - - 6,700,221 6,700,221 Other liabilities - - - - 7,418,620 7,418,620 Total liabilities 432,583,336 57,404,457 269,719,953 48,853,671 14,118,841 822,680,258 Interest rate gap $ (371,328,406) 3,058,304 (53,231,067) 479,047,875 7,243,482 64,790,188