125 CONSOLIDATED FINANCIAL STATEMENTS 2025 Barbados Public Workers’ Co-operative Credit Union Limited Notes to the Consolidated Financial Statements March 31, 2025 (expressed in Barbados dollars) 25 Financial Risk Management …continued 25.5 Interest rate risk A summary of the Group’s interest rate gap position is as follows: 2025 Up to 3 months $ Within 3 - 12 months $ Within 1 - 5 years $ Over 5 years $ Non-interes bearin Assets Cash resources 364,398,564 28,042,812 56,475,683 – 11,948,9 Financial investments 3,764,500 3,187,067 26,839,125 16,857,222 Loans and advances 36,149,062 34,913,342 253,576,947 1,052,858,585 938,6 Total assets 404,312,126 66,143,221 336,891,755 1,069,715,807 12,887,5 Liabilities Deposits 810,191,518 238,596,301 658,776,485 42,872,592 149,2 Reimbursable shares – – – – 32,619,2 Other liabilities 275,741 939,211 2,527,653 – 20,476,7 Total liabilities 810,467,259 239,535,512 661,304,138 42,872,592 53,245,2 Interest rate gap (406,155,133) (173,392,291) (324,412,383) 1,026,843,215 (40,357,65 dos Public Workers’ Co-operative Credit Union Limited he Consolidated Financial Statements 2025 n Barbados dollars) 8 cial Risk Management …continued st rate risk mary of the Group’s interest rate gap position is as follows: 2025 Up to 3 months $ Within 3 - 12 months $ Within 1 - 5 years $ Over 5 years $ Non-interest bearing $ Tota $ esources 364,398,564 28,042, 12 56,475,683 – 11,948,953 460,866,0 ial investments 3,764,500 3,187,067 26,839,125 16,857,222 – 50,647,9 and advances 36,149,062 34,913,342 253,576,947 1,052,858,585 938,633 1,378,436,5 assets 404,312,126 66,143,221 336,891,755 1,069,715,807 12,887, 86 1,889,950,4 ties ts 810,191,518 238,596,301 658,776,485 42, 72,592 149, 40 1,750,586,1 ursable shares – – – – 32,619,237 32,619,2 iabilities 275,741 939,211 2,527,653 – 20,476,759 24,219,3 iabilities 810,467,259 239,535,512 661,304,138 42,872,592 53, 45, 36 1,807,424,7 t rate gap (406,155,133) (173,392,291) (324,412,383) 1,026,843,215 (4 ,357,650) 82,525,7 dos Public Workers’ Co-operative Credit Union Limited the Cons lidated Financial Stateme ts 1, 2025 d in Barbados dollars) ncial Risk Management …continued est rate risk mary of the Group’s interest rate gap posi ion is s follows: 2025 Up to 3 months $ Within 3 - 12 1 - 5 year Over Non-interest bearing $ Tot ts resources 364,398,564 28 042 812 56 475 683 – 11,948,953 460,866, ncial investments 3,764,500 187 067 26 839 125 1 57 2 2 – 50,647, s and advances 36,149,062 4 913 34 253 576 9 7 1,0 2 858 585 93 633 1,378,436, l assets 404,312,126 66 143 2 1 33 891 755 1,069 715 807 12 887 586 1,88 ,950, il ties sits 810,191,518 238 5 6 301 65 77 485 42 8 2 592 149 240 1,750,586, bursable shares – 32,619,237 32,619, r liabilities 275,741 939 21 2,527 653 – 20,476,759 24,219, l liabil ties 810,467,259 239 535 512 661 304 138 42 872 592 53 245 236 1,807, 24, est rate gap (406,155,1 3) 17 392 291 32 41 383 1,026,843,215 (40,357,650) 82,525, dos Public W rkers’ Co-operati e Credit Union Limited he Consolidated Financial St ments , 2025 in Barbados do ars) ncial Risk Management …continued st rate risk mary of the Group’s interest rate gap position is as fo ows: 2025 Up to 3 months $ Within 3 - 12 months $ Within 1 - 5 years $ Over 5 years $ Non-interest bearing $ Tota s esources 364,398,564 28,042,812 56,475,683 – 11,948,953 460,866,0 cial investments 3,764,50 3,187,067 26,839,125 16,857,2 – 50,647,9 and advances 36,149,062 34,913,342 253,576,947 1,052,858,585 938,633 1,378,436,5 a ets 404,312,126 66,143,221 336,891,75 1,069,715,807 12,887,5 6 1,889,950,4 ities its 810,191,518 238,596,301 658,776,485 42,872,592 149,240 1,750,586,1 bursable shares – – – – 32,619,237 32,619, liabilities 275,741 939,21 2,527,653 – 20,476,759 24,219,3 liabilities 810,467,259 239,535,512 661,304,138 42,872,592 53,245,236 1,807,424,7 st rate gap (406,155,133) (173,392,291) (324,412,383) 1,0 6 843 215 (40,357,650) 82, 25,7 os Public Workers’ Co- perative Credit Union Limited e Consolidated Financial Sta ements 2025 Barbados dollars) 87 al Risk Man gem nt …conti ued rate risk ary of the Group’s interest ra e gap osition is as follows: 20 5 Up to 3 months $ Within 3 - 12 months $ Within 1 5 years $ Over 5 years $ Non-i ter st bearing $ Total $ ources 364,398,564 28,042,812 56,475,683 – 11,948,953 460,866,012 l investments 3,764,500 3,187,067 26,8 9,125 16,857,22 – 50,647,914 nd a vances 36,149,062 34,913, 42 253,576,947 1,052,85 ,5 938,633 1,378,436,569 set 40 ,312, 6 66,143,221 336,891,755 1,069,715,807 12,887,586 1,889, 50,495 es 810, 9 ,5 8 238,596,301 658,776,485 42,872,592 149,240 1,750, 86,136 sable shares – – – – 32,619,237 32,619,237 bil t es 275, 41 93 ,211 2,5 7,653 – 20,476, 59 24, 19,364 ab lit es 810,467,259 239,53 , 12 661, 04,138 42,872,592 53,245,236 1,807,42 ,73 ra e gap (406,155,133) (173, 92, 91) (324, 12,383) 1,026,843,215 (40,357,650) 82,52 ,758 Public Worke s’ Co- perative Credit Unio Limited onsolidated Financi l Statements 5 rb dos dollars) 87 R sk Managem t …continued e isk of the Group’s interes ra e gap position s as follows: 2025 Up to 3 months $ Within 3 - 12 months $ Within 1 - 5 years $ Over 5 years $ Non-interes bearing $ Total $ c 364,398,564 28,042,812 56,475,683 – 11,948,953 460,86 ,012 vestm n s 3,764,500 3,187,067 26,839,125 16,857,222 – 50,647,91 vances 36,149,062 34,91 ,342 253, 76,94 1,052,858, 938,63 1,378,4 6,569 s 404,312, 26 66,143,221 336,891,755 1,069,715,807 12,887,5 6 1,889,950,4 810, 9 ,5 8 238,596,301 658,776,485 42,872,592 149,240 1,750, 86,136 le shares – – – – 32,619,237 32,619,237 ties 275, 41 939,211 2,5 7,6 3 – 20,476, 59 24, 19,364 ties 810,467,259 239,535,512 661,304,1 8 42,872,592 53,245,236 1,807,424,737 gap (406,155,133) (173,392,291) (324,41 ,383) 1,026,843,215 (40,357,650) 82,525,7 8 Public Workers’ Co-operativ Credit Unio Limit nsolidate Financial St tements ados dollar ) 87 isk Management …con inued risk f the Group’s interest rate g p osition as follows: 2025 Up to 3 months $ Within 3 - 12 months $ Within 1 - 5 years $ Over 5 years $ Non-interes bearing $ Total $ 364,398,564 28,042,812 56,475,683 – 11,948,953 460,866,012 estme ts 3,764,500 3,187,067 26,839,125 16,857,222 – 50,647,914 vances 36,149,062 34,913, 42 53,576,947 1,052,858, 85 938 633 1,378,436,569 404,312,126 66,143,22 336,891,755 1,069,7 5,80 12,887,586 1,889, 50,495 810,191,518 238,596,301 658,77 ,485 42,872,592 149,2 0 1,750,586,136 sh res – – – – 32,619,237 32,619,237 es 275,741 939,211 2,527,653 – 20,476,759 24,219,364 es 810,467,259 239,535, 12 661,304,138 42,872,592 53,245,236 1,807,424,737 p (406,155,133) (173, 92, 91) (324, 12, 83) 1,026,843, 15 (40,357,650) 82,525,758 blic Worke s’ Co- perative C edit Un o L mited olidated Fina ci l St tements s dollars) 87 Managem nt …continued k e G oup’s inte est ra e gap position s as follow : 2025 Up to 3 months $ Within 3 - 12 months $ Within 1 - 5 years $ Over 5 years $ Non-i teres bearing $ Total $ 364,398,5 28,04 ,81 56, 7 ,683 – 11,948,953 460,866,012 m ts 3,764,500 3,187,067 26,839,1 5 16,857,222 – 50,647,914 ces 36,149,062 34,91 ,342 253,576,947 1,052,858,58 938,63 1, 78,436 569 404,312, 26 6 ,143,221 336,891,755 ,069,715,8 7 12,887,586 1, 89,950 495 810, 9 ,5 8 23 ,596,301 58,776,48 42,872,59 149,240 1,75 ,586 136 are – – – – 32,619,2 7 32,619,2 7 275, 41 939,211 2,5 7,6 3 – 20,476, 59 24, 19,36 810,467,259 3 ,535,512 661,304,138 42, 72,59 53,24 ,236 1,807,424 737 (406,155,133) ( 73, 92,291) (324,41 , 83) 1 026,843,2 5 (40, 57,65 ) 82,5 5,75
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