111 BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED | CONSOLIDATED ANNUAL REPORT 2022 BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED Notes to the Consolidated Financial Statements For the year ended March 31, 2022 (Expressed in Barbados dollars) 80 25. Financial Risk Management, continued 25.2 Credit risk, continued Credit quality by class of financial assets, continued 2021 Neither past due Past due but Individually nor impaired not impaired impaired Total Cash resources $ 381,844,691 - - 381,844,691 Financial investments: Amortized cost 13,380,552 - 14,452,726 27,833,278 Loans and advances: Consumer 518,331,911 152,940,750 83,186,145 754,458,806 Mortgages 349,131,694 147,170,061 66,075,378 562,377,133 Business 16,017,144 17,562,239 6,004,945 39,584,328 Total $ 1,278,705,992 317,673,050 169,719,194 1,766,098,236 Aging analysis of past due but not impaired loans and advances: 2022 1-30 days 31-60 days 61-90 days Over 90 days Total Loans and advances: Consumer $ 61,573,597 16,692,214 3,598,001 15,909,321 97,773,133 Mortgages 53,817,640 21,282,856 8,304,639 21,127,317 104,532,452 Business 581,365 1,075,990 1,332,555 844,183 3,834,093 Total $ 115,972,602 39,051,060 13,235,195 37,880,821 206,139,678 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
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