Category	Units	Jun 2017	Sep 2017	Dec 2017
Key Balance Sheet Items (in EC$m)
TOTAL ASSETS	EC$M	29,237	29,236	29,621
TOTAL LOANS AND ADVANCES	EC$M	12,171	12,240	12,223
PRIVATE SECTOR CREDIT	EC$M	11,048	11,076	11,049
TOTAL DEPOSITS	EC$M	20,666	20,740	20,836
Key Financial Soundness Indicators
REGULATORY CAPITAL TO RISK-WEIGHTED ASSETS (CAR)	%	20.39	20.88	20.62
NONPERFORMING LOANS TO GROSS LOANS	%	11.25	11.5	12.04
LIQUID ASSETS TO TOTAL ASSETS	%	35.8	35.71	36.32
RETURN ON AVERAGE ASSETS (ANNUALISED)	%	0.8	0.18	0.73
RETURN ON AVERAGE EQUITY (ANNUALISED)	%	4.23	12.71	11.91
INTEREST MARGIN TO GROSS INCOME (ANNUALISED)	%	61.38	61.39	61.75
SPREAD BETWEEN REFERENCE LENDING AND DEPOSIT RATES	%	6.85	6.8	6.77