Category	Units	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019
Key Balance Sheet Items (in EC$m)
TOTAL ASSETS	EC$M	30,350.18	30,920.07	30,801.20	31,624.55	30,915.54
TOTAL LOANS AND ADVANCES	EC$M	12,208.04	12,377.37	12,514.80	12,572.51	12,604.56
PRIVATE SECTOR CREDIT	EC$M	11,022.36	11,073.77	11,052.23	11,055.78	11,014.03
TOTAL DEPOSITS	EC$M	21,530.83	21,386.44	21,270.37	21,734.53	21,701.19
Key Financial Soundness Indicators
REGULATORY CAPITAL TO RISK-WEIGHTED ASSETS (CAR)	%	18.93	19.80	19.13	19.22	20.26
NONPERFORMING LOANS TO GROSS LOANS	%	11.34	11.41	11.29	11.06	10.20
LIQUID ASSETS TO TOTAL ASSETS	%	37.36	36.56	36.39	36.69	36.18
SPREAD BETWEEN REFERENCE LENDING AND DEPOSIT RATES	%	6.79	6.62	6.53	6.52	6.41