7 SEPARATE FINANCIAL STATEMENTS 2025 2025 2024 2023 2022 2021 Financial statistics in percent: Asset Growth 2.85 2.18 3.02 6.09 7.09 Loan Growth -0.33 -1.28 2.82 5.72 0.82 Deposit Growth 2.66 1.59 3.29 5.74 7.40 Net Surplus Growth -41.30 -6.18 -8.43 28.03 -53.08 Return on Assets 0.29 0.51 0.55 0.63 0.53 Return on Equity 2.64 4.60 5.04 5.74 4.69 Operating Efficiency 92.89 87.48 88.05 83.58 85.39 Net Interest Margin 3.84 3.87 3.98 3.97 3.96 2025 2024 2023 2022 2021 Other statistics Delinquency ratio (%) 13.3 14.8 13.8 13.5 13.5 # of members 117.3 113.8 111.1 107.5 103.0 # of employees # of branches 6 6 6 6 6 2025 2024 2023 2022 2021 Net income per member $44.13 $77.50 $84.61 $95.51 $77.85 Financial Highlights Financial Highlights - Five Year Review In Bds $’000 Principal Bankers Republic Bank (Barbados) Ltd. Auditors PricewaterhouseCoopers SRL Barbados
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