89 BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED | CONSOLIDATED ANNUAL REPORT 2020 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) 72 26. Financial Risk Management, continued 26.2 Credit risk, continued Credit Quality Analysis, continued IFRS 9 – 2019 Stage 1 Stage 2 Stage 3 Total Term deposits measured at amortized cost Internally rated $ 30,892,467 - - 30,892,467 Gross term deposits 30,892,467 - - 30,892,467 Expected credit losses allowance (22,551) - - (22,551) Net term deposits $ 30,869,916 - - 30,869,916
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