Separate Annual Report 2021

9 BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED | SEPARATE FINANCIAL STATEMENTS 2021 2021 2020 2019 2018 2017 Financial statistics in percent: Asset Growth 7.09 8.90 10.52 10.08 8.95 Loan Growth 0.82 4.87 4.12 6.40 10.10 Deposit Growth 7.40 8.90 11.29 10.43 10.80 Net Surplus Growth -53.08 42.89 -27.93 3.62 18.28 Return on Assets 0.53 1.21 0.93 1.42 1.50 Return on Equity 4.69 10.58 7.92 11.78 12.68 Operating Efficiency 85.39 73.60 74.82 71.97 70.62 Net Interest Margin 3.96 4.70 4.91 5.26 5.18 2021 2020 2019 2018 2017 Other statistics Delinquency ratio (%) 13.5 9.9 8.6 7.4 6.3 # of members (000’s) 103.0 100.1 95.0 89.2 84.0 # of branches 6 6 6 5 4 2021 2020 2019 2018 2017 Net income per member $77.85 $170.75 $125.92 $186.07 $190.68 FINANCIAL HIGHLIGHTS FINANCIAL HIGHLIGHTS - FIVE YEAR REVIEW In Bds $’000 Principal Bankers Barbados Public Workers’ Co-operative Credit Union Limited - Republic Bank (Barbados) Ltd. Auditors KPMG – Chartered Accountants