99 SEPARATE FINANCIAL STATEMENTS 2023 Barbados Public Workers’ Co-operative Credit Union Limited Notes to the Separate Financial Statements March 31, 2023 (expressed in Barbados dollars) 71 23 Financial risk management …continued Credit risk …continued Credit quality by class of financial assets …continued 2022 Neither past due nor impaired $ Past due but not impaired $ Individually impaired $ Total $ Cash resources 419,998,157 – – 419,998,157 Financial investments: Amortised cost 8,780,640 – 14,915,553 23,696,193 Loans and advances: Consumer 523,001,727 90,187,888 82,722,364 695,911,979 Mortgages 323,994,813 90,143,493 32,417,660 446,555,966 Business 1,733,916 1,831,576 1,406,458 4,971,950 Total 1,277,509,253 182,162,957 131,462,035 1,591,134,245 Aging analysis of past due but not impaired loans and advances: 2023 1-30 days $ 31-60 days $ 61-90 days $ Over 90 days $ Total $ Loans and advances: Consumer 61,984,628 20,363,137 3,427,812 16,751,745 102,527,322 Mortgages 57,016,680 13,940,306 2,488,759 22,480,205 95,925,950 Business 786,108 91,221 20,622 751,895 1,649,846 Total 119,787,416 34,394,664 5,937,193 39,983,845 200,103,118 2022 1-30 days $ 31-60 days $ 61-90 days $ Over 90 days $ Total $ Loans and advances: Consumer 61,573,597 10,315,520 2,389,450 15,909,321 90,187,888 Mortgages 53,817,640 10,999,943 4,198,593 21,127,317 90,143,493 Business 581,366 334,064 71,963 844,183 1,831,576 Total 115,972,603 21,649,527 6,660,006 37,880,821 182,162,957
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