Category	Units	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018
Key Balance Sheet Items (in EC$m)
TOTAL ASSETS	EC$M	29,236	29,624	30,781	30,648	30,920
TOTAL LOANS AND ADVANCES	EC$M	12,240	12,223	12,209	12,208	12,377
PRIVATE SECTOR CREDIT	EC$M	11,071	11,049	10,982	11,022	11,074
TOTAL DEPOSITS	EC$M	20,740	20,836	21,577	21,531	21,386
Key Financial Soundness Indicators
REGULATORY CAPITAL TO RISK-WEIGHTED ASSETS (CAR)	%	18.93	18.82	19.21	18.93	19.79
NONPERFORMING LOANS TO GROSS LOANS	%	11.5	12.04	11.98	11.33	11.41
LIQUID ASSETS TO TOTAL ASSETS	%	35.71	36.32	37.54	37.39	36.56
SPREAD BETWEEN REFERENCE LENDING AND DEPOSIT RATES	%	6.8	6.77	6.79	6.79	6.62