15 CONSOLIDATED ANNUAL REPORT 2026 The consumer loan portfolio increased by $9.7 million, or 1.5 percent, while business lending recorded strong growth of $6.7 million, representing an increase of 24.0 percent. Mortgage lending also experienced modest growth of $5.9 million, or 0.8 percent. These results demonstrate the Group’s ongoing support of personal, entrepreneurial, and homeownership aspirations while contributing to broader economic activity within the communities it serves. The Group remained highly liquid with total cash resources of $484.5 million compared to $460.9 million in the prior year, representing an increase of $52.4 million or 11.4 percent. Asset quality: The Group’s non–performing loans decreased marginally by $952.6 thousand in 2026 when compared to the prior year’s decrease of $19 million. However, despite an overall increase in the loan portfolio of $24.4 million, delinquency held steady with a slight decrease in the Group’s ratio from 13.5 percent at the end of March 31, 2025, to 13.2 percent at the end of March 31, 2026. The Group remains committed to proactive delinquency management and member support, offering tailored solutions designed to promote sustainable loan repayment and preserve financial wellbeing. Relief measures available to eligible members include: • extension of loan repayment terms to enhance repayment flexibility; and • debt consolidation arrangements to streamline repayment obligations and improve cash flow management. Liabilities: The Group’s liquidity position continues to be strong and is primarily driven by the continued growth in the Group’s cash resources and the management of its working capital. Deposit growth remained steady over the period, rising by $74. million or 4.2 percent. The Group upholds a liquidity buffer to fully meet statutory reserve requirements while maintaining a designated percentage to cover on–demand deposits and ensuring a guaranteed percentage for loan commitments. At March 31, 2026 the Group’s held cash and cash equivalents of $450.9 million as compared to the prior fiscal of $427.6 million. The Group’s operations are currently 100 percent funded by its members and customers deposits. During the fiscal under review there was no external debt held by the Group Delinquency Ratio Cash and equivalent 1 Delinquency Ratio Delinquency Ratio Cash and equivalent 1 Cash and Equivalents 2022 2023 2024 2025 2026 Net Income Loans to members 3 Loans to Members Deposits 2022 2023 2024 2025 2026 Total Assets 2022 2023 2024 2025 2026 2 Total Assets
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