126 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) 25 Financial Risk Management …continued 25.5 Interest rate risk …continued 2024 Up to 3 months $ Within 3 - 12 months $ Within 1 - 5 years $ Over 5 years $ Non-interes bearing $ Assets Cash resources 396,426,509 10,982,153 5,322,631 – 11,656,320 Financial investments 4,968,291 59,452 36,879,012 6,383,835 – Loans and advances 35,530,307 39,570,496 271,614,788 1,045,260,550 2,573,933 Other assets – – 159,723 – 23,450,326 Total assets 436,925,107 50,612,101 313,976,154 1,051,644,385 37,680,579 Liabilities Deposits 871,926,863 205,373,366 600,602,439 36,621,728 129,709 Loans payable – – – 1,181,900 – Reimbursable shares – – – – 27,361,694 Other liabilities 361,254 904,478 2,798,988 757,757 16,956,993 Total liabilities 872,288,117 206,277,844 603,401,427 38,561,385 44,448,396 Interest rate gap (435,363,010) (155,665,743) (289,425,273) 1,013,083,000 (6,767,817 Public Workers’ Co-operative Credit Union Limited Consolidated Financial Statements 25 arbados dollars) 88 Risk Management …continued te risk …continued 2024 Up to 3 months $ Within 3 - 12 months $ Within 1 - 5 years $ Over 5 years $ Non-interest bearing $ Tot l $ rces 396,426,509 10,982,153 5,322,631 – 11,656,320 424,387 613 nvestments 4,968,291 59,452 36,879,012 6,383,835 – 48,290,590 advances 35,530,307 39,570,496 271,614,788 1,045,260,550 2,573,933 1,394,550 074 s – – 159,723 – 23,450,326 23,610 049 ts 436,925,107 50,612,101 313,976,154 1,051,644,385 37,680,579 1,890,838 326 871,926,863 205,373,366 600,602,439 36,621,728 129,709 1,714,654,105 able – – – 1,181,900 – 1,181,900 ble shares – – – – 27,361,694 27,361 694 lities 361,254 904,478 2,798,988 757,757 16,956,993 21,779 470 lities 872,288,117 206,277,844 603,401,427 38,561,385 44,448,396 1,764,977 169 e gap (435,363,010) (155,665,743) (289,425,273) 1,013,083,000 (6,767,817) 125,861 157 dos Public Wo kers’ Co-operative Credit Union Limited the Consoli ated Fin ncia Stateme ts , 2025 in Barbados dollars) ncial Risk Man gement …continued est ate risk …continued 2024 Up to 3 months $ Within 3 - 12 m nths ithi 1 - 5 years Over 5 ye r Non-interest bearing Tota s resources 396,426,509 10,982,153 5,322,631 – 11,656,320 424,387,61 cial inv s ments 4,968,291 59,452 36,879,012 6,383,835 – 48,290,59 and advances 35,530,307 39,570,496 271,614,788 1,045,260,550 2,573,933 1,394,550,07 assets – – 159,723 – 23,450,326 23,610,04 assets 436,925,107 50,612,1 1 313,976,154 1,051,644,385 37,680,579 1,890,838,32 lities sits 871,926,863 205,373,3 6 6 0,602,439 36,621,728 129,709 1,714,654,10 payable – – 1,181,900 – 1,181,90 bursable hares – – 27,361,694 27,361,69 liabilities 361,254 904,478 2,798,988 757,757 16,956,993 21,779,47 l abilities 872,288,117 206,277,844 6 3,401,427 38,561,385 44,448,396 1,764,977,1 st rate gap (435,363,010) (155,665,743) (289,425,273) 1,013,083,000 (6,767,817) 125,861, 5 os Public Workers’ C -operative Credit Union Limited e Consolidated Financial Statements 2025 n B rbados dollars) 8 ial Risk Management …continued t rate risk …continued 2024 Up to 3 months $ W thin 3 - 12 months $ W thin 1 - 5 years $ Over 5 years $ Non-interest bearing $ Total $ sources 396,426,509 10,982,153 5,32 ,63 – 1 ,656,320 424,387,613 al investments 4,968,291 59,452 36,879,012 6,3 ,835 – 48,290,590 nd advances 35,5 ,307 39, 70,496 271,614,788 1,045,260,550 2, 7 ,933 1,394,5 0,074 ssets – – 159,723 – 23,450,326 23,610,049 s ets 436,925,107 50, 2,101 313,976,154 1,051,64 ,385 37,680,579 1,890,8 8,326 ies s 871,92 ,863 205,373,366 60 ,602,439 36,621,728 129,709 1,714,654,105 ayable – – – 1, 81,900 – 1, 81,90 rsable shares – – – – 27,3 1,694 27,3 1,694 abilities 361,254 904,478 2,7 ,988 757, 57 16,956,993 21,7 9,470 ab lities 872,28 ,1 7 206, 7 , 44 603,401,427 38,561,385 4 ,448,396 1,764,97 ,16 rate gap (435,363,010) (15 ,665,743) (289,425,273) 1,013,083,000 (6,767,817) 125,861,157 s Public Workers’ Co-operative Credit Union Lim ed Cons lidated Financial Statem nts 5 arbados d llar ) 8 l Risk anagement …conti ue ate risk …conti ue Up to 3 months Within 3 - 2 months Within 1 - 5 years O er 5 years Non-interest bearing T tal urces 396,42 ,509 10,982 153 5,322 631 11,65 320 42 ,387,613 nvestments 4,968 291 9,4 2 36,879 012 6,38 835 48,290 5 dvances 5,5 0 307 39,570 496 271,614,788 1,045 60 55 2,573 93 1,394 550 074 t 159,723 23,450 326 23,610 049 ts 436,925,107 50,612 10 31 ,976,154 1,05 644 385 37,680 579 1, 90 3 326 871,926,863 205,3 , 66 600, 2,439 36, 21 7 8 129,70 1,7 4 65 105 able 1,18 900 1,18 900 able shares 27,361 694 27,361 94 i ties 361,254 904,478 2,798 8 , 16,95 93 21,779 4 0 ilities 872,288,117 206, 7,844 603,4 1, 27 38,561 385 44, 8 396 1,764 977 169 te g p (435,36 ,01 ) (155,66 ,743) (289,425,273) 1,013 0 (6,7 81 ) 125,8 1,157 Public Workers’ Co-operative Credit Union Lim ted onsolidated Financial Statements 5 bados dollars) 8 Risk Management …continued e risk …conti ued 2024 Up to 3 months $ Within 3 - 12 months $ Within 1 - 5 years $ Over 5 years $ Non-interest bearing $ Total $ c 396,426,509 10,982,153 5,322,631 – 11,65 ,320 42 ,387,613 vestm nt 4,968,291 59,452 36,879,012 6,38 ,835 – 48,290,590 dvances 35,530,307 39,570,496 271,614,788 1,045,260, 50 2,573,93 1,394,550,074 – – 159,723 – 23,450, 26 23,610,0 9 436,925,107 50,612,101 313,976,154 1,051,644,385 37,68 ,579 1,890,838,326 871,926,863 205,373,36 600,60 ,439 36,621,728 129,709 1,714,654,105 ble – – – 1, 8 ,90 – 1, 8 ,90 le shares – – – – 27,361,694 27,361,694 t es 361,254 904, 78 2,798,98 75 , 5 16,956,993 21,779,470 t es 872,288,117 206,277,84 603,401,427 38,561,385 44,448,396 1,764,977,169 g p (435,36 ,010) (155,665,74 ) (289,425,273) 1,013,083,00 (6,767,817) 125,861,157 ublic Worke s’ Co- perativ Credit Unio Lim ted s lidate Fin nci l Statemen s dos doll r ) 88 k Management …co tinued sk…continued 20 4 Up to 3 months $ With n 3 - 12 months $ With n 1 - 5 years $ Over 5 years $ Non-i terest bearing $ Total $ 396,42 509 10,982 53 5,322 631 – 1 ,65 320 42 ,387 613 tmen s 4,968 291 59,4 2 36,879 012 6,38 835 – 48,290 5 nces 35,5 0 07 39,570 4 6 271,614 88 1,045 260 5 2,573 93 1,394 550 074 – – 159,723 – 2 ,450 326 23,610 049 436,925 107 50,612 1 1 3 3,976 54 1,05 644 385 37,680 5 9 1,890 38 326 871,926 863 205,37 366 00, 2 439 3 ,621 7 8 129,70 1,714 65 05 – – – 1,18 900 – 1,18 900 hares – – – – 27,361 694 27,361 694 361,254 904,478 2,798 98 75 , 16,95 93 21,779 4 0 s 872,288 117 206, 77 844 603,4 1 427 38,561 5 44,4 8 396 1,764 977 169 p (435,36 010) (155,66 743) (289,425 273) 1,013 8 00 (6,76 81 ) 125,861 1 7 blic Worke s’ Co-operative Credit Unio Limited lidated Fina cial Statements s dollar ) 88 Management …co i ued …conti ued 20 4 Up to 3 months $ With n 3 - 12 months $ With n 1 - 5 years $ Over 5 years $ Non-i terest bearing $ Total $ 396,426,509 10, 82, 53 , 22,6 1 – 11,65 ,320 42 ,387,61 ent 4,968,2 1 59,452 36,879,012 6,38 , 5 – 48,290,590 es 35,530, 07 39,570,4 6 271, 14, 88 1,045,260,550 2,573,933 1,394,550,074 – – 159,723 – 23,450,326 23,610,049 436,925,107 50,612, 313,976, 54 1,0 ,644,385 37,680,5 9 1,8 0,838,326 871,926,863 205, 73,366 00, 02,439 6, 21,728 129,709 1,714,654, 0 – – – 1,18 ,900 – 1,18 ,900 es – – – – 27,361, 94 27,361, 94 361,254 904,478 ,798, 88 75 ,75 16,956,9 3 21,779,4 0 872,2 ,117 206,277,844 603, 01,427 3 ,561, 5 4 ,448,396 1,7 4,9 7, 69 (435, 6 ,010) (155,66 ,743) (289,425, 73) 1,01 ,083,0 0 (6,76 ,817) 125,86 ,1 7
RkJQdWJsaXNoZXIy MTA2MDM=