Consolidated Annual Report 2025

116 BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED Barbados Public Workers’ Co-operative Credit Union Limited Notes to the Consolidated Financial Statements March 31, 2025 (expressed in Barbados dollars) 78 25 Financial Risk Management …continued 25.2 Credit risk …continued Credit Quality Analysis…continued 2024 Stage 1 $ Stage 2 $ Stage 3 $ Total $ Loans and advances at amortised cost Current 1,004,331,800 – – 1,004,331,800 Overdue <30 days 175,228,208 – – 175,228,208 Overdue 31 days to 89 days – 38,673,410 – 38,673,410 Overdue over 90 days – – 207,634,813 207,634,813 Total gross loans 1,179,560,008 38,673,410 207,634,813 1,425,868,231 2025 Stage 1 $ Stage 2 $ Stage 3 $ Total $ Other assets Internally rated 42,090,529 382,447 3,068,643 45,541,619 Total other assets 42,090,529 382,447 3,068,643 45,541,619 2024 Stage 1 $ Stage 2 $ Stage 3 $ Total $ Other assets Internally rated 21,494,334 136,513 1,979,202 23,610,049 Total other assets 21,494,334 136,513 1,979,202 23,610,049

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