Non-Consolidated Annual Report 2017

BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED | NON-CONSOLIDATED ANNUAL REPORT 2017 64 BARBADOS PUBLIC WORKERS' CO-OPERATIVE CREDIT UNION LIMITED Notes to the Non-consolidated Financial Statements For the year ended March 31, 2017 (Expressed in Barbados dollars) 49 24. Financial Risk Management, continued Credit risk, continued 2016 Neither past due Past due but Individually nor impaired not impaired impaired Total Cash resources $ 102,162,229 - - 102,162,229 Financial investments: Held-to-maturity 29,074,183 - - 29,074,183 Loans and advances: Consumer 452,338,438 89,073,793 23,264,387 564,676,618 Mortgages 207,223,554 49,829,049 8,123,569 265,176,172 Business 1,623,572 1,547,167 304,396 3,475,135 Total $ 792,421,976 140,450,009 31,692,352 964,564,337 Aging analysis of past due but not impaired loans and advances: 2017 1-30 days 31-60 days 61-90 days Over 90 days Total Loans and advances: Consumer $ 61,238,445 19,275,488 5,734,567 11,753,485 98,001,985 Mortgages 32,651,855 12,759,704 3,052,585 10,350,203 58,814,347 Business 1,037,423 421,335 125,163 355,545 1,939,466 Total $ 94,927,723 32,456,527 8,912,315 22,459,233 158,755,798 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 89,073,793 Mortgages 25,022,460 9,532,123 4,419,282 10,855,184 49,829,049 Business 1,018,186 186,519 - 342,462 1,547,167 Total $ 80,634,333 28,846,251 9,974,111 20,995,314 140,450,009