Category	Units	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018
Key Balance Sheet Items (in EC$m)
TOTAL ASSETS	EC$M	29,237	29,236	29,627	30,782	30,652
TOTAL LOANS AND ADVANCES	EC$M	12,171	12,240	12,223	12,209	12,208
PRIVATE SECTOR CREDIT	EC$M	11,043	11,071	11,049	10,982	11,022
TOTAL DEPOSITS	EC$M	20,666	20,740	20,836	21,577	21,531
Key Financial Soundness Indicators
REGULATORY CAPITAL TO RISK-WEIGHTED ASSETS (CAR)	%	18.57	19.05	18.82	19.34	19.05
NONPERFORMING LOANS TO GROSS LOANS	%	11.25	11.5	12.04	11.98	11.33
LIQUID ASSETS TO TOTAL ASSETS	%	35.8	35.71	36.32	37.55	37.39
RETURN ON AVERAGE ASSETS (ANNUALISED)	%	0.8	0.77	0.73	0.75	0.85
RETURN ON AVERAGE EQUITY (ANNUALISED)	%	13.58	12.71	11.91	11.8	13.31
INTEREST MARGIN TO GROSS INCOME (ANNUALISED)	%	61.93	63.14	61.75	57.81	58.39
SPREAD BETWEEN REFERENCE LENDING AND DEPOSIT RATES	%	6.85	6.8	6.77	6.79	6.78