11 CONSOLIDATED ANNUAL REPORT 2026 Consolidated Financial Highlights Financial Highlights - Five Year Review In Bds $’000 Principal Bankers Barbados Public Workers’ Co-operative Credit Union Limited - Republic Bank (Barbados) Ltd. BPW Financial Holdings Inc. - CIBC First Caribbean International Bank CAPITA Financial Services Inc. - CIBC First Caribbean International Bank CAPITA Insurance Brokers Inc. - First Citizens Bank (Barbados) Limited Auditors PricewaterhouseCoopers SRL Barbados 2026 2025 2024 2023 2022 Financial statistics in percent: Asset Growth 4.08 2.33 0.79 0.71 5.68 Loan Growth 1.77 -1.16 -2.16 1.90 5.16 Deposit Growth 4.23 2.10 0.14 0.75 5.14 Net Surplus Growth 67.29 -40.48 32.26 -31.35 16.90 Return on Assets 0.49 0.30 0.52 0.39 0.59 Return on Equity 4.99 3.05 5.27 4.09 6.61 Operating Efficiency 87.88 92.07 87.35 89.26 83.85 Net Interest Margin 3.73 3.89 3.92 4.06 3.99 2026 2025 2024 2023 2022 Other statistics Delinquency ratio (%) 13.4 13.3 14.8 13.8 13.5 # of members 120.9 117.3 113.8 111.1 107.5 # of branches 6 6 6 6 6 2026 2025 2024 2023 2022 Net income per member $83.27 $51.30 $88.85 $68.81 $103.59 2026 2025 2024 2023 2022 Members (000’S) 120.9 117.3 113.8 111.1 107.5
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