76 BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED Barbados Public Workers’ Co-operative Credit Union Limited Notes to the Consolidated Financial Statements March 31, 2026 (expressed in Barbados dollars) 44 13 Loans and Advances …continued i) Loans and advances are comprised of the following: …continued The Group’s loans and advances portfolio as at March 31, 2026 are in the following staging categories: 2026 Stage 1 $ Stage 2 $ Stage 3 $ Total $ Consumer 562,966,582 17,880,478 97,437,665 678,284,725 Business 28,156,071 523,339 6,668,720 35,348,130 Mortgages 613,006,324 16,514,050 83,604,165 713,124,539 Gross loans 1,204,128,977 34,917,867 187,710,550 1,426,757,394 Less: ECL allowance (2,228,295) (1,120,311) (37,526,816) (40,875,422) 1,201,900,682 33,797,556 150,183,734 1,385,881,972 Add: Interest receivable 16,910,710 1,402,792,682 2025 Stage 1 $ Stage 2 $ Stage 3 $ Total $ Consumer 552,881,420 18,368,645 96,956,188 668,206,253 Business 17,809,485 1,121,877 8,826,347 27,757,709 Mortgages 604,305,855 19,207,261 82,880,585 706,393,701 Gross loans 1,174,996,760 38,697,783 188,663,120 1,402,357,663 Less: ECL allowance (1,542,181) (902,498) (37,276,378) (39,721,057) 1,173,454,579 37,795,285 151,386,742 1,362,636,606 Add: Interest receivable 15,799,963 1,378,436,569
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