7
BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED
ANNUAL REPORT 2013
2013
2012
2011
2010
2009
Restated
Financial statistics in percent:
Asset Growth
4.50
6.16
10.80
12.27
11.26
Loan Growth
1.41
5.98
11.19
12.08
11.08
Deposit Growth
4.02
6.02
9.63
10.85
18.69
Net Surplus Growth
21.57
46.36
-33.26
37.22
81.70
Return on Assets
1.49
1.29
0.96
1.60
1.30
Return on Equity
14.44
13.41
10.17
17.25
14.78
Operating Efficiency
69.26
73.86
79.23
67.98
71.76
Net Interest Margin
5.09
5.07
4.99
5.11
4.79
2013
2012
2011
2010
2009
Restated
Other statistics
Delinquency ratio (%)
7.7
6.9
4.8
3.3
2.7
# of members (000’S)
64.7
61.6
58.6
55.3
50.8
# of branches
4
3
3
3
3
Net income per member
$186.75
$161.35
$115.89
$184.00
$145.96
FINANCIAL HIGHLIGHTS
FINANCIAL HIGHLIGHTS - FIVE YEAR REVIEW
In Bds $’000
