13 CONSOLIDATED FINANCIAL STATEMENTS 2023 2023 2022 2021 2019 2018 Financial statistics in percent: Asset Growth 0.71 5.68 5.86 8.46 10.11 Loan Growth 1.90 5.16 1.39 6.16 5.21 Deposit Growth 0.75 5.14 5.80 9.11 11.12 Net Surplus Growth -31.35 16.90 -48.21 71.21 -38.14 Return on Assets 0.39 0.59 0.54 1.11 0.71 Return on Equity 4.09 6.19 5.59 11.56 7.20 Operating Efficiency 89.26 83.85 84.09 74.40 77.78 Net Interest Margin 4.06 3.99 3.95 4.54 4.69 2022 2021 2020 2019 2018 Other statistics Delinquency ratio (%) 14.0 14.0 14.4 10.0 8.6 # of members 111.1 107.5 103.0 100.7 95.0 # of branches 6 6 6 6 6 2022 2021 2020 2019 2018 Net income per member $68.81 $103.59 $92.49 $182.67 $113.09 Consolidated Financial Highlights Financial Highlights - Five Year Review In Bds $’000 Principal Bankers Barbados Public Workers’ Co-operative Credit Union Limited - Republic Bank (Barbados) Ltd. BPW Financial Holdings Inc. - CIBC First Caribbean International Bank CAPITA Financial Services Inc. - CIBC First Caribbean International Bank CAPITA Insurance Brokers Inc. - First Citizens Bank (Barbados) Limited Auditors PricewaterhouseCoopers SRL Barbados
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