Consolidated Annual Report 2017

9 BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED | CONSOLIDATED ANNUAL REPORT 2017 2017 2016 2015 2014 2013 Financial statistics in percent: Asset Growth 8.16 11.50 7.24 6.91 4.93 Loan Growth 9.77 10.53 9.81 6.52 3.32 Deposit Growth 9.77 13.31 9.09 8.64 4.95 Net Surplus Growth 21.02 36.71 -13.35 -13.10 38.49 Return on Assets 1.26 1.14 0.91 1.13 1.38 Return on Equity 12.77 11.84 9.54 12.11 15.69 Operating Efficiency 73.14 72.44 77.02 76.10 70.61 Net Interest Margin 4.89 4.90 4.72 4.95 4.90 2017 2016 2015 2014 2013 Other statistics Delinquency ratio (%) 6.3 6.3 6.7 6.7 7.5 # of members (000’S) 84.0 78.4 73.0 68.7 64.7 # of branches 4 4 4 4 4 Net income per member $189.92 $168.14 $132.03 $162.04 $197.91 CONSOLIDATED FINANCIAL HIGHLIGHTS FOR THE YEARS ENDED MARCH 31, 2013 TO MARCH 31, 2017 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 Capita Insurance Brokers Inc. - First Citizens Bank (Barbados) Limited AUDITORS KPMG – Chartered Accountants