Non-Consolidated Annual Report 2020

BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED | NON-CONSOLIDATED ANNUAL REPORT 2020 77 BARBADOS PUBLIC WORKERS' CO-OPERATIVE CREDIT UNION LIMITED Notes to the Non-consolidated Financial Statements For the year ended March 31, 2020 (Expressed in Barbados dollars) 60 23. Financial Risk Management, continued Credit risk, continued 2019 Neither past due Past due but Individually nor impaired not impaired impaired Total Cash resources $ 233,664,922 - - 233,664,922 Financial investments: Amortised cost 5,858,261 - 14,274,157 20,132,418 Loans and advances: Consumer 519,596,094 125,514,291 44,605,499 689,715,884 Mortgages 224,106,035 79,585,765 17,417,130 321,108,930 Business 2,433,870 1,588,430 1,168,161 5,190,461 Total $ 985,659,182 206,688,486 77,464,947 1,269,812,615 Aging analysis of past due but not impaired loans and advances: 2020 1-30 days 31-60 days 61-90 days Over 90 days Total Loans and advances: Consumer $ 89,737,192 27,399,995 4,699,779 15,165,497 137,002,463 Mortgages 1,302,542 188,189 488,500 850,355 2,829,586 Business 53,495,424 12,749,360 8,263,976 14,377,114 88,885,874 Total $ 144,535,158 40,337,544 13,452,255 30,392,966 228,717,923 2019 1-30 days 31-60 days 61-90 days Over 90 days Total Loans and advances: Consumer $ 80,530,072 23,440,605 8,987,385 12,556,229 125,514,291 Mortgages 44,861,114 17,179,233 6,187,660 11,357,758 79,585,765 Business 299,734 666,510 79,368 542,818 1,588,430 Total $ 125,690,920 41,286,348 15,254,413 24,456,805 206,688,486