Consolidated Annual Report 2019

9 BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED | CONSOLIDATED ANNUAL REPORT 2019 2019 2018 2017 2016 2015 Financial statistics in percent: Asset Growth 10.11 9.92 8.16 11.50 7.24 Loan Growth 5.21 6.85 9.77 10.53 9.81 Deposit Growth 11.12 10.67 9.77 13.31 9.09 Net Surplus Growth -38.14 8.86 21.02 36.71 -13.35 Return on Assets 0.71 1.26 1.26 1.14 0.91 Return on Equity 7.20 12.40 12.77 11.84 9.54 Operating Efficiency 77.78 73.12 73.14 72.44 77.02 Net Interest Margin 4.69 4.99 4.89 4.90 4.72 2019 2018 2017 2016 2015 Other statistics Delinquency ratio (%) 8.6 7.4 6.3 6.3 6.7 # of members (000’S) 95.0 89.2 84.0 78.4 73.0 # of branches 6 6 4 4 4 2019 2018 2017 2016 2015 Net income per member $113.09 $194.70 $189.92 $168.14 $132.03 CONSOLIDATED FINANCIAL HIGHLIGHTS FOR THE YEARS ENDED MARCH 31, 2015 TO MARCH 31, 2019 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