9 BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED | CONSOLIDATED ANNUAL REPORT 2020 2020 2019 2018 2017 2016 Financial statistics in percent: Asset Growth 8.46 10.11 9.92 8.16 11.50 Loan Growth 6.16 5.21 6.85 9.77 10.53 Deposit Growth 9.11 11.12 10.67 9.77 13.31 Net Surplus Growth 71.21 -38.14 8.86 21.02 36.71 Return on Assets 1.11 0.71 1.26 1.26 1.14 Return on Equity 11.56 7.20 12.40 12.77 11.84 Operating Efficiency 74.40 77.78 73.12 73.14 72.44 Net Interest Margin 4.54 4.69 4.99 4.89 4.90 2020 2019 2018 2017 2016 Other statistics Delinquency ratio (%) 10.0 8.6 7.4 6.3 6.3 # of members (000’S) 100.7 95.0 89.2 84.0 78.4 # of branches 6 6 6 4 4 2020 2019 2018 2017 2016 Net income per member $182.67 $113.09 $194.70 $189.92 $168.14 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
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