61 SEPARATE FINANCIAL STATEMENTS 2026 Barbados Public Workers’ Co-operative Credit Union Limited Notes to the Separate Financial Statements March 31, 2026 (expressed in Barbados dollars) 36 11 Loans and advances …continued (ii) The Credit Union’s loans and advances portfolio as at March 31, are in the following staging categories. 2026 Stage 1 $ Stage 2 $ Stage 3 $ Total $ Consumer 512,373,058 16,463,963 92,013,085 620,850,106 Business 675,788 52,675 2,056,082 2,784,545 Mortgages 475,385,327 14,066,733 63,600,775 553,052,835 Gross loans 988,434,173 30,583,371 157,669,942 1,176,687,486 Less: ECL allowance (2,020,808) (1,046,956) (33,763,003) (36,830,767) 986,413,365 29,536,415 123,906,939 1,139,856,719 Add: Interest receivable 10,020,357 1,149,877,076 2025 Stage 1 $ Stage 2 $ Stage 3 $ Total $ Consumer 505,796,080 15,777,707 91,225,542 612,799,329 Business 610,569 320,877 2,096,995 3,028,441 Mortgages 464,674,180 12,950,237 59,913,157 537,537,574 Gross loans 971,080,829 29,048,821 153,235,694 1,153,365,344 Less: ECL allowance (1,368,090) (744,045) (33,793,077) (35,905,212) 969,712,739 28,304,776 119,442,617 1,117,460,132 Add: Interest receivable 10,503,415 1,127,963,547
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