103 BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED | CONSOLIDATED ANNUAL REPORT 2021 BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED Notes to the Consolidated Financial Statements For the year ended March 31, 2021 (Expressed in Barbados dollars) 77 25. Financial Risk Management, continued 25.2 Credit risk, continued Credit quality by class of financial assets, continued 2020 Neither past due Past due but Individually nor impaired not impaired impaired Total Cash resources $ 308,229,297 - - 308,229,297 Financial investments: Amortized cost 22,412,382 - - 22,412,382 Loans and advances: Consumer 559,664,541 160,680,596 56,231,018 776,576,155 Mortgages 324,940,697 149,390,080 37,360,485 511,691,262 Business 24,424,705 13,290,672 2,504,439 40,219,816 Total $ 1,239,671,622 323,361,348 96,095,942 1,659,128,912 Aging analysis of past due but not impaired loans and advances: 2021 1-30 days 31-60 days 61-90 days Over 90 days Total Loans and advances: Consumer $ 83,478,753 32,713,804 10,159,663 26,588,530 152,940,750 Mortgages 72,277,360 26,772,353 13,321,670 34,798,678 147,170,061 Business 13,178,755 2,641,037 1,594,504 147,943 17,562,239 Total $ 168,934,868 62,127,194 25,075,837 61,535,151 317,673,050 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
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