10 BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED Consolidated Financial Highlights Financial Highlights - Five Year Review In Bds $’000 2026 2025 2024 2023 2022 Statement of financial position: Assets Cash and equivalents 450,855 427,574 395,428 371,940 388,880 Investments 130,242 88,068 81,366 60,873 51,512 Loans to Members (net) 1,402,793 1,378,437 1,394,550 1,425,341 1,398,822 Property and Equipment 59,247 56,839 55,747 58,053 62,176 Other Assets 45,418 55,759 33,849 29,286 30,363 Total Assets 2,088,554 2,006,677 1,960,940 1,945,493 1,931,753 Liabilities and Owner's Equity Liabilities Deposits 1,824,600 1,750,586 1,714,654 1,712,183 1,699,399 External Debt 0 0 1,182 1,232 1,277 Other 58,819 57,484 49,656 44,006 45,492 1,883,419 1,808,070 1,765,492 1,757,421 1,746,168 Equity Share Capital 14,351 13,986 13,651 13,334 12,901 General& Other Reserves 189,430 183,535 180,747 175,853 171,314 Retained earnings 1,355 1,086 1,050 -1,115 1,370 Total Equity 205,136 198,607 195,448 188,072 185,585 Total Liabilities and Owner's Equity 2,088,554 2,006,677 1,960,940 1,945,493 1,931,753 Statement of income: Interest Income 99,615 99,961 101,451 105,721 103,466 Interest Expense 23,240 22,852 24,908 26,966 28,447 Net Interest Income 76,375 77,109 76,543 78,755 75,019 Other income 17,167 14,387 14,724 8,003 8,033 Net income and other income 93,542 91,496 91,267 86,758 83,052 Impairment expense 858 822 3,002 6,824 7,383 Net operating income 92,684 90,674 88,265 79,934 75,669 Total operating expenses 81,452 83,481 77,099 71,349 63,452 Net income before extra-ordinary items 11,232 7,193 11,166 8,585 12,217 Derecognition of Government Securities - Tax of Assets 1,165 1,175 1,055 940 1,081 Net income after taxes 10,068 6,018 10,111 7,645 11,136
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