7 SEPARATE FINANCIAL STATEMENTS 2023 2023 2022 2021 2020 2019 Financial statistics in percent: Asset Growth 17.05 13.61 7.09 8.90 10.52 Loan Growth 9.59 6.59 0.82 4.87 4.12 Deposit Growth 17.29 13.56 7.40 8.90 11.29 Net Surplus Growth -44.99 -39.93 -53.08 42.89 -27.93 Return on Assets 0.59 0.65 0.53 1.21 0.93 Return on Equity 5.26 5.81 4.69 10.58 7.92 Operating Efficiency 88.05 83.58 85.39 73.60 73.27 Net Interest Margin 4.23 4.10 3.96 4.70 4.91 2023 2022 2021 2020 2019 Other statistics Delinquency ratio (%) 13.8 13.5 13.5 9.9 8.6 # of members 111.1 107.5 103.0 100.1 95.0 # of employees # of branches 6 6 6 6 6 2023 2022 2021 2020 2019 Net income per member $84.61 $95.51 $77.85 $170.75 $125.92 Financial Highlights Financial Highlights - Five Year Review In Bds $’000 Principal Bankers Republic Bank (Barbados) Ltd. Auditors PricewaterhouseCoopers SRL Barbados
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