Consolidated Annual Report 2019

BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED | CONSOLIDATED ANNUAL REPORT 2019 81 BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED Notes to the Consolidated Financial Statements For the year ended March 31, 2019 (Expressed in Barbados dollars) 66 26. Financial Risk Management, continued 26.2 Credit risk, continued Credit quality by class of financial assets, continued 2018 Neither past due Past due but Individually nor impaired not impaired impaired Total Cash resources $ 156,888,167 - - 156,888,167 Financial investments: Held to maturity 25,993,354 - - 25,993,354 Loans and receivables 3,958,401 - - 3,958,401 Loans and advances: Consumer 538,616,695 127,044,785 38,265,140 703,926,620 Mortgages 351,340,875 94,369,385 17,591,413 463,301,673 Business 18,407,460 6,883,915 1,058,416 26,349,791 Total $ 1,095,204,952 228,298,085 56,914,969 1,380,418,006 Aging analysis of past due but not impaired loans and advances: 2019 1-30 days 31-60 days 61-90 days Over 90 days Total Loans and advances: Loans and advances: Consumer $ 80,747,162 27,950,468 8,987,385 13,355,061 131,040,076 Mortgages 46,086,832 39,210,443 6,196,774 17,560,858 109,054,907 Business 1,671,499 4,010,573 79,368 3,980,780 9,742,220 Total $ 128,505,493 71,171,484 15,263,527 34,896,699 249,837,203 2018 1-30 days 31-60 days 61-90 days Over 90 days Total Loans and advances: Consumer $ 83,293,282 22,869,201 7,192,457 13,689,845 127,044,785 Mortgages 54,222,088 18,318,294 5,286,071 16,542,932 94,369,385 Business 1,967,284 2,312,013 65,836 2,538,782 6,883,915 Total $ 139,482,654 43,499,508 12,544,364 32,771,559 228,298,085