Category	Units	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017
Key Balance Sheet Items (in EC$m)
TOTAL ASSETS	EC$M	27,939	28,229	28,962	29,237	29,229
TOTAL LOANS AND ADVANCES	EC$M	12,516	12,226	12,168	12,171	12,240
PRIVATE SECTOR CREDIT	EC$M	11,261	11,066	11,029	11,048	11,076
TOTAL DEPOSITS	EC$M	20,270	20,228	20,458	20,666	20,740
Key Financial Soundness Indicators
REGULATORY CAPITAL TO RISK-WEIGHTED ASSETS (CAR)	%	18.54	18.25	19.72	20.39	20.88
NONPERFORMING LOANS TO GROSS LOANS	%	12.55	10.93	10.86	11.26	11.5
LIQUID ASSETS TO TOTAL ASSETS	%	34.22	34.53	35.81	35.8	35.7
RETURN ON AVERAGE ASSETS (ANNUALISED)	%	1.02	0.8	0.85	0.8	0.77
RETURN ON AVERAGE EQUITY (ANNUALISED)	%	20.12	14.59	14.72	13.58	12.71
INTEREST MARGIN TO GROSS INCOME (ANNUALISED)	%	64.12	62.38	62.12	61.38	61.4
SPREAD BETWEEN REFERENCE LENDING AND DEPOSIT RATES	%	6.86	6.81	6.87	6.86	6.8