Category	Units	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018
Key Balance Sheet Items (in EC$m)
TOTAL ASSETS	EC$M	28,962	29,237	29,236	29,627	30,782
TOTAL LOANS AND ADVANCES	EC$M	12,168	12,171	12,240	12,223	12,209
PRIVATE SECTOR CREDIT	EC$M	11,023	11,043	11,071	11,049	10,982
TOTAL DEPOSITS	EC$M	20,458	20,666	20,740	20,836	21,577
Key Financial Soundness Indicators
REGULATORY CAPITAL TO RISK-WEIGHTED ASSETS (CAR)	%	19.72	20.39	20.89	20.62	21.09
NONPERFORMING LOANS TO GROSS LOANS	%	10.86	11.25	11.5	12.04	11.98
LIQUID ASSETS TO TOTAL ASSETS	%	35.81	35.8	35.71	36.32	37.55
RETURN ON AVERAGE ASSETS (ANNUALISED)	%	0.28	0.25	0.18		0.29
RETURN ON AVERAGE EQUITY (ANNUALISED)	%	4.84	4.23	2.98	0.12	4.47
INTEREST MARGIN TO GROSS INCOME (ANNUALISED)	%	61.68	61.93	63.14	60.23	57.8
SPREAD BETWEEN REFERENCE LENDING AND DEPOSIT RATES	%	6.87	6.85	6.8	6.77	6.79