Category	Units	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018
Key Balance Sheet Items (in EC$m)
TOTAL ASSETS	EC$M	29,451	30,369	30,350	30,920	30,801
TOTAL LOANS AND ADVANCES	EC$M	12,223	12,209	12,208	12,377	12,515
PRIVATE SECTOR CREDIT	EC$M	11,049	10,982	11,022	11,074	11,052
TOTAL DEPOSITS	EC$M	20,836	21,577	21,531	21,386	21,270
Key Financial Soundness Indicators
REGULATORY CAPITAL TO RISK-WEIGHTED ASSETS (CAR)	%	18.7	19.21	18.93	19.79	19.12
NONPERFORMING LOANS TO GROSS LOANS	%	12.04	11.98	11.33	11.41	11.28
LIQUID ASSETS TO TOTAL ASSETS	%	36.17	37.67	37.36	36.56	36.39
SPREAD BETWEEN REFERENCE LENDING AND DEPOSIT RATES	%	6.77	6.79	6.79	6.62	6.53