Category	Units	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019
Key Balance Sheet Items (in EC$m)
TOTAL ASSETS	EC$M	30,920.07	30,801.20	31,624.55	30,915.60	29,681.47
TOTAL LOANS AND ADVANCES	EC$M	12,377.37	12,514.80	12,572.51	12,604.56	12,627.03
PRIVATE SECTOR CREDIT	EC$M	11,073.77	11,052.23	11,055.78	11,015.40	11,029.51
TOTAL DEPOSITS	EC$M	21,386.44	21,270.37	21,734.53	21,701.19	21,480.70
Key Financial Soundness Indicators
REGULATORY CAPITAL TO RISK-WEIGHTED ASSETS (CAR)	%	19.80	19.13	19.22	20.27	20.59
NONPERFORMING LOANS TO GROSS LOANS	%	11.41	11.29	11.06	10.20	10.12
LIQUID ASSETS TO TOTAL ASSETS	%	36.56	36.39	36.69	36.18	38.70
SPREAD BETWEEN REFERENCE LENDING AND DEPOSIT RATES	%	6.61	6.53	6.52	6.41	6.40