9 BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED | SEPARATE FINANCIAL STATEMENTS 2022 2022 2021 2020 2019 2018 Financial statistics in percent: Asset Growth 6.09 7.09 8.90 10.52 10.08 Loan Growth 5.72 0.82 4.87 4.12 6.40 Deposit Growth 5.74 7.40 8.90 11.29 10.43 Net Surplus Growth 28.03 -53.08 42.89 -27.93 3.62 Return on Assets 0.63 0.53 1.21 0.93 1.42 Return on Equity 5.74 4.69 10.58 7.92 11.78 Operating Efficiency 83.58 85.39 73.60 74.82 71.97 Net Interest Margin 3.97 3.96 4.70 4.91 5.26 2022 2021 2020 2019 2018 Other statistics Delinquency ratio (%) 13.5 13.5 9.9 8.6 7.4 # of members 107.5 103.0 100.1 95.0 89.2 # of branches 6 6 6 6 5 2022 2021 2020 2019 2018 Net income per member $95.50 $77.85 $170.75 $125.92 $186.07 Financial Highlights Financial Highlights - Five Year Review In Bds $’000 Principal Bankers Republic Bank (Barbados) Ltd. Auditors PricewaterhouseCoopers SRL Barbados
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