Category	Units	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019
Key Balance Sheet Items (in EC$m)
TOTAL ASSETS	EC$M	30,801.21	31,624.56	30,915.60	29,681.47	28,798.06
TOTAL LOANS AND ADVANCES	EC$M	12,514.80	12,572.52	12,604.56	12,627.04	12,688.09
PRIVATE SECTOR CREDIT	EC$M	11,052.24	11,055.78	11,015.41	11,029.52	11,111.67
TOTAL DEPOSITS	EC$M	21,270.38	21,734.54	21,701.20	21,480.71	21,542.15
Key Financial Soundness Indicators
REGULATORY CAPITAL TO RISK-WEIGHTED ASSETS (CAR)	%	19.13	19.22	20.27	20.59	19.85
NONPERFORMING LOANS TO GROSS LOANS	%	11.29	11.06	10.20	10.12	10.09
LIQUID ASSETS TO TOTAL ASSETS	%	36.39	36.69	36.18	38.70	40.16
SPREAD BETWEEN REFERENCE LENDING AND DEPOSIT RATES	%	6.53	6.52	6.41	6.40	6.36