BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED | CONSOLIDATED ANNUAL REPORT 2020 82 BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED Notes to the Consolidated Financial Statements For the year ended March 31, 2020 (Expressed in Barbados dollars) 65 26. Financial Risk Management, continued 26.2 Credit risk, continued Credit quality by class of financial assets, continued 2019 Neither past due Past due but Individually nor impaired not impaired impaired Total Cash resources $ 252,514,651 - - 252,514,651 Financial investments: Amortized cost 23,227,755 - - 23,227,755 Loans and advances: Consumer 565,629,572 131,040,076 47,934,852 744,604,500 Mortgages 338,357,236 109,054,907 28,774,354 476,186,497 Business 23,701,240 9,742,220 1,168,161 34,611,621 Total $ 1,203,430,454 249,837,203 77,877,367 1,531,145,024 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 $ 107,002,766 32,130,748 6,026,204 15,520,878 160,680,596 Mortgages 93,170,553 25,004,892 11,688,826 19,525,809 149,390,080 Business 8,310,312 1,423,412 1,405,628 2,151,320 13,290,672 Total $ 208,483,631 58,559,052 19,120,658 37,198,007 323,361,348 2019 1-30 days 31-60 days 61-90 days Over 90 days Total 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
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