7
BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED
CONSOLIDATED ANNUAL REPORT 2015
2015
2014
2013
2012
2011
Financial statistics in percent:
Asset Growth
7.24
6.91
4.93
7.63
25.39
Loan Growth
9.81
6.52
3.32
5.21
30.64
Deposit Growth
9.09
8.64
4.95
9.22
21.16
Net Surplus Growth
-13.84
-13.55
39.28
55.72
-33.08
Return on Assets
0.93
1.15
1.41
1.08
0.80
Return on Equity
9.68
12.35
16.08
13.10
9.28
Operating Efficiency
80.26
76.10
70.61
77.87
83.00
Net Interest Margin
4.72
4.95
4.90
4.91
5.01
2015
2014
2013
2012
2011
Other statistics
Delinquency ratio (%)
6.8
6.7
7.5
7.2
3.9
# of members (000’S)
73.0
68.7
64.7
61.6
58.6
# of branches
4
4
4
3
3
Net income per member
$133.87
$165.25
$202.96
$152.94
$103.28
CONSOLIDATED FINANCIAL HIGHLIGHTS
FOR THE YEARS ENDED MARCH 31, 2011 TO MARCH 31, 2015
In Bds $’000
Principal Bankers
Barbados Public Workers’ Co-operative Credit Union Limited -
Republic Bank (Barbados) Ltd.
BPW Financial Holdings Inc. -
CIBC First Caribbean International Bank
Capita Financial Services Inc. -
CIBC First Caribbean International Bank
Auditors
KPMG –
Chartered Accountants
