Non-Consolidated Annual Report 2017

BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED | NON-CONSOLIDATED ANNUAL REPORT 2017 9 2017 2016 2015 2014 2013 Financial statistics in percent: Asset Growth 8.95 9.68 6.12 6.02 4.47 Loan Growth 10.10 9.56 9.08 4.98 1.41 Deposit Growth 10.80 11.33 7.39 7.34 4.02 Net Surplus Growth 18.28 40.97 -7.87 -13.06 20.67 Return on Assets 1.50 1.39 1.06 1.22 1.48 Return on Equity 12.68 12.01 9.40 11.16 14.32 Operating Efficiency 70.62 69.15 74.69 75.01 69.49 Net Interest Margin 5.18 5.17 4.92 5.13 5.09 2017 2016 2015 2014 2013 Other statistics Delinquency ratio (%) 6.3 6.3 6.7 6.6 7.7 # 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 (000’s) $190.60 $172.75 $131.53 $151.85 $185.36 FINANCIAL HIGHLIGHTS FINANCIAL HIGHLIGHTS - FIVE YEAR REVIEW In Bds $’000