Separate Annual Report 2021

95 BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED | SEPARATE FINANCIAL STATEMENTS 2021 BARBADOS PUBLIC WORKERS' CO-OPERATIVE CREDIT UNION LIMITED Notes to the Separate Financial Statements For the year ended March 31, 2021 (Expressed in Barbados dollars) 73 23. Financial Risk Management, continued Credit risk, continued 2020 Neither past due Past due but Individually nor impaired not impaired impaired Total Cash resources $ 294,962,669 - - 294,962,669 Financial investments: Amortized cost 5,102,271 - 13,458,342 18,560,613 Loans and advances: Consumer 523,338,681 137,002,463 52,920,266 713,261,410 Mortgages 233,558,692 88,885,874 20,509,101 342,953,667 Business 1,673,384 2,829,586 851,844 5,354,814 Total $ 1,058,635,697 228,717,923 87,739,553 1,375,093,173 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 $ 69,256,388 28,169,821 8,025,050 26,588,530 132,039,789 Mortgages 42,479,280 16,009,409 7,301,652 34,798,679 100,589,020 Business 2,446,966 - - 147,942 2,594,908 Total $ 114,182,634 44,179,230 15,326,702 61,535,151 235,223,717 2020 1-30 days 31-60 days 61-90 days Over 90 days Total Loans and advances: Consumer $ 89,737,192 27,399,995 4,699,779 15,165,497 137,002,463 Mortgages 53,495,424 12,749,360 8,263,976 14,377,114 88,885,874 Business 1,302,542 188,189 488,500 850,355 2,829,586 Total $ 144,535,158 40,337,544 13,452,255 30,392,966 228,717,923