Category	Units	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019
Key Balance Sheet Items (in EC$m)
TOTAL ASSETS	EC$M	30,368,528	30,350,186	30,920,073	30,801,205	31,624,557
TOTAL LOANS AND ADVANCES	EC$M	12,208,666	12,208,040	12,377,372	12,514,800	12,572,515
PRIVATE SECTOR CREDIT	EC$M	10,982,109	11,022,366	11,073,778	11,052,235	11,055,782
TOTAL DEPOSITS	EC$M	21,577,400	21,530,830	21,386,440	21,270,377	21,734,536
Key Financial Soundness Indicators
REGULATORY CAPITAL TO RISK-WEIGHTED ASSETS (CAR)	%	19.22	18.93	19.8	19.13	19.22
NONPERFORMING LOANS TO GROSS LOANS	%	11.99	11.34	11.41	11.29	11.06
LIQUID ASSETS TO TOTAL ASSETS	%	37.68	37.36	36.56	36.39	36.69
SPREAD BETWEEN REFERENCE LENDING AND DEPOSIT RATES	%	6.8	6.79	6.62	6.53	6.52