12 BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED Consolidated Financial Highlights Financial Highlights - Five Year Review In Bds $’000 2025 2024 2023 2022 2021 Statement of financial position: Assets Cash and equivalents 427,574 395,428 371,940 388,880 362,535 Investments 88,068 81,366 60,873 51,512 51,263 Loans to Members (net) 1,378,437 1,394,550 1,425,341 1,398,822 1,330,140 Property and Equipment 56,839 55,747 58,053 62,176 61,604 Other Assets 55,759 33,849 29,286 30,363 22,357 Total Assets 2,006,677 1,960,940 1,945,493 1,931,753 1,827,899 Liabilities and Owner’s Equity Liabilities Deposits 1,750,586 1,714,654 1,712,183 1,699,399 1,616,272 External Debt - 1,182 1,232 1,277 1,317 Other 57,484 49,656 44,006 45,492 36,352 1,808,070 1,765,492 1,757,421 1,746,168 1,653,941 Equity Share Capital 13,986 13,651 13,334 12,901 12,357 General & Other Reserves 183,535 180,747 175,853 171,314 160,361 Retained earnings 1,086 1,050 -1,115 1,370 1,240 Total Equity 198,607 195,448 188,072 185,585 173,958 Total Liabilities and Owner’s Equity 2,006,677 1,960,940 1,945,493 1,931,753 1,827,899 Statement of income: Interest Income 99,961 101,451 105,721 103,466 100,004 Interest Expense 22,852 24,908 26,966 28,447 29,753 Net Interest Income 77,109 76,543 78,755 75,019 70,251 Other income 14,387 14,724 8,003 8,033 6,337 Net income and other income 91,496 91,267 86,758 83,052 76,588 Impairment expense 822 3,002 6,824 7,383 10,071 Net operating income 90,674 88,265 79,934 75,669 66,517 Total operating expenses 83,481 77,099 71,349 63,452 55,932 Net income before extra-ordinary items 7,194 11,166 8,585 12,217 10,585 Derecognition of Government Securities - - Taxes 1,175 1,055 940 1,081 1,059 Net income after taxes 6,018 10,111 7,645 11,136 9,526
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