75 CONSOLIDATED FINANCIAL STATEMENTS 2026 Barbados Public Workers’ Co-operative Credit Union Limited Notes to the Consolidated Financial Statements March 31, 2026 (expressed in Barbados dollars) 43 13 Loans and Advances i) Loans and advances are comprised of the following: 2026 Consumer $ Business $ Mortgages $ Total $ Gross loans 678,284,725 35,348,130 713,124,539 1,426,757,394 Less: ECL allowance (31,486,763) (925,183) (8,463,476) (40,875,422) 646,797,962 34,422,947 704,661,063 1,385,881,972 Add: Interest receivable 16,910,710 1,402,792,682 2025 Consumer $ Business $ Mortgages $ Total $ Gross loans 668,206,253 27,757,709 706,393,701 1,402,357,663 Less: ECL allowance (31,110,117) (994,000) (7,616,940) (39,721,057) 637,096,136 26,763,709 698,776,761 1,362,636,606 Add: Interest receivable 15,799,963 1,378,436,569 The average yield on loans for the year was 6.73% (2025 - 6.94%).
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