Financial Soundness Indicators - Commercial Banks | Central Bank of Trinidad and Tobago

Date	Regulatory Capital to Risk-Weighted Assets	Regulatory Tier I Capital-to-Risk-Weighted Assets	Regulatory Tier II Capital-to-Risk-Weighted Assets	Regulatory Capital-to-Total Assets	Net Open Position in Foreign Exchange-to-Capital	Non-performing Loans-to-Gross Loans	Non-performing Loans (Net of Provisions)-to-Capital	Total Provisions-to-Impaired Loans	Specific Provisions-to-Impaired Loans	General Provisions-to-Gross Loans	Specific Provisions-to-Gross Loans	Return on Assets	Return on Equity	Interest Margin-to-Gross Income	Non-interest Income-to-Gross Income	Non-interest Expenses-to-Gross Income	Liquid Assets-to-Total Assets	Liquid Assets-to-Total Short-Term Liabilities	Customer Deposits-to-Total (Non-Interbank) Loans	Foreign Currency Liabilities-to-Total Liabilities
2010-03-31	22	18.9	3.1	11.3	6	5.5	9.7	54	47.2	0.4	2.6	2.2	17	67	33	64.3	25.2	33.2	167.2	31.9
2010-06-30	22.1	18.4	3.6	11.5	3.2	5.3	8.5	57.9	51.9	0.3	2.8	2.3	17.4	68.1	31.9	61.7	26.2	34.4	167	30.8
2010-09-30	23.3	18.5	4.8	12.3	2.2	5.2	8.5	55.9	49.5	0.3	2.6	2.4	17.8	67.2	32.8	60.3	22.3	29.5	158.1	27.4
2010-12-31	24.2	21.7	2.5	12.2	6.2	6.2	13.3	39.5	33.4	0.4	2.1	2.3	17.2	66.9	33.1	63.3	24.3	31.9	163	27.5
2011-03-31	24.6	21.4	3.2	12.3	5.2	5.7	13.2	36	29	0.4	1.6	2.6	18.6	66.8	33.2	60.6	23.8	31.4	161.8	27.5
2011-06-30	25	21	4	12.4	12.1	6.5	15.3	32.7	26.5	0.4	1.7	2.4	17.3	66.7	33.3	60.2	26.5	35.3	164.5	28.4
2011-09-30	25.8	22.9	2.9	12.3	10.6	7.5	18.2	30.8	24.4	0.5	1.8	2.3	16.8	63.9	36.1	62.9	26.8	35.6	167.5	28.5
2011-12-31	25.1	22.7	2.4	12.1	11.8	6.3	14.5	35.2	28.3	0.4	1.8	2.4	17.2	64.8	35.2	62.1	27.7	36.6	172.4	27
2012-03-31	26.1	22.9	3.3	12.5	10.1	6.8	14.7	37.9	31.1	0.5	2.1	2.1	15	67.1	32.9	69.3	27.7	36.8	173.8	26.6
2012-06-30	26.5	21.6	5	13.1	10	6.2	11.5	45.3	38.1	0.4	2.4	2.9	20.8	66.7	33.3	69	25.4	33.8	174.8	27.1
2012-09-30	25.5	21.8	3.7	12.8	10.5	5.4	9.5	50.2	42.2	0.4	2.3	2.5	17.6	65.6	34.4	70	24.5	32.5	175.9	26.7
2012-12-31	24.6	22.4	2.2	12	12.6	5.4	9.6	49.5	39.7	0.5	2.1	2.6	18.1	65.4	34.6	66.5	25.2	32.6	186	28
2013-03-31	24.4	22	2.4	11.7	11.3	4.7	7.6	56.1	45.8	0.5	2.1	2.1	14.8	65.2	34.8	64.6	27	34.8	187.8	28
2013-06-30	24.7	21.6	3.1	11.6	12.2	4.4	7.7	52.1	41.2	0.5	1.8	2	14.6	66.3	33.7	61.8	27.4	35.2	186.3	27.4
2013-09-30	24.1	22.2	1.9	11.8	13.6	4.6	8.3	49	38.6	0.5	1.8	2.3	16.3	65.4	34.6	64.2	27.8	36.1	186.1	25.5
2013-12-31	23.1	21.3	1.8	11.8	12.8	4.2	7.8	49.6	37.6	0.5	1.6	2	14.7	65	35	68.2	27.5	35.3	186.2	25.2
2014-03-31	23.7	21.8	1.9	11.3	18.3	4.2	7.8	51.7	40	0.5	1.7	1.9	13.7	57.8	42.2	78.1	28.3	35.7	189.2	24.5
2014-06-30	23	20.6	2.4	11.4	4.2	4	7	55.3	43.2	0.5	1.7	1.8	13.4	59.9	40.1	72.1	27.9	35	188.7	25.1
2014-09-30	23.4	22.2	1.2	11.5	3.9	4.3	7.6	53.9	42.9	0.5	1.9	1.7	12.7	60.3	39.7	71.2	26.6	33.6	185.7	24.4
2014-12-31	22.5	21.8	0.7	10.8	3.6	4.1	7.7	54.9	43.5	0.5	1.8	1.8	13.2	59.9	40.1	71	25.3	31.7	181.2	23.5
2015-03-31	23	21.3	1.7	11.5	5.9	4.1	7.3	55.4	43.3	0.5	1.8	3.6	26.3	62.1	37.9	67.2	23.2	29.3	178.6	24.4
2015-06-30	22.8	21.2	1.6	11.2	2.6	4	7.7	51.5	39.4	0.5	1.6	2.9	21.2	59.7	40.3	63.9	23.2	29.5	173.4	25.3
2015-09-30	22.1	20.5	1.6	11	4.4	3.5	6.9	52.1	39.8	0.4	1.4	2.7	19.2	60.8	39.2	63.5	22.7	28.7	164	24.5
2015-12-31	22.1	22.9	-0.8	11	5.7	3.4	6.7	55.2	42.1	0.4	1.4	2.5	18.2	61.3	38.7	65	23.8	30.4	166.4	25.1
2016-03-31	21	19.6	1.4	10.8	9.4	3.4	7.5	56.6	42	0.5	1.4	2.3	18.5	67.3	32.7	64.6	23.4	29	171.1	25.4
2016-06-30	21.8	19.4	2.4	11	7.3	3.2	7.2	55.5	39.2	0.5	1.3	2.2	17.5	67.5	32.5	65.2	23.2	28.7	173.9	24.9
2016-09-30	22.4	20.9	1.4	11.4	7.6	3.2	6.5	60.6	43.4	0.5	1.4	2.1	16.4	66.9	33.1	66.1	21.8	27.1	169.7	25.5
2016-12-31	21.9	20.4	1.5	11.2	12.2	3.1	7.2	60.2	37.1	0.7	1.2	2.5	19.9	65.2	34.8	63.3	22.1	27.2	170.2	25.7
2017-03-31	21.8	20.5	1.3	11.3	13.3	3.1	6.7	63.5	39.1	0.7	1.2	2.4	18.3	67.8	32.2	63.7	21.7	26.8	168.2	25.9
2017-06-30	21.4	19.4	2	11.3	12.4	3.4	7.7	58.7	36.3	0.8	1.2	2.4	18.6	67.6	32.4	62.8	20.9	25.9	166.6	25.6
2017-09-30	21.8	19.3	2.5	11.6	14.4	2.9	6.3	63.9	37.8	0.7	1.1	2.3	17.7	67.8	32.2	62.7	20.2	25.1	162.5	26.3
2017-12-31	21	20.3	0.7	11.3	15.4	2.9	6.8	65.7	37.4	0.8	1.1	2.4	18.5	67	33	61.6	19.8	24.4	159.4	26.4
2018-03-31	22.2	20.8	1.4	11.8	17.1	3.2	8.1	64.4	35.2	0.9	1.1	2.5	19.8	67.2	32.8	61.6	20.1	24.9	156.1	26.5
2018-06-30	22.3	20.7	1.7	11.9	18.4	3.3	8.2	59.3	35	0.8	1.2	2.6	20.1	67.4	32.6	60	20.1	25.1	159.8	26.1
2018-09-30	22.2	19.9	2.3	12.2	17.3	3.3	7.3	60.6	41.4	0.6	1.4	2.4	18.9	67	33	61.8	19	23.9	158.6	25.6
2018-12-31	20.9	20.6	0.3	11.1	13.3	3.1	6.2	66.8	52	0.5	1.6	2.6	20.6	66.4	33.6	59.9	19.1	23.5	157.4	26.2
2019-03-31	21.9	20.3	1.5	11.6	13.7	3	5.6	68.4	54.6	0.4	1.6	3.9	32.1	55.8	44.2	50.1	18.5	22.9	155.7	25.8
2019-06-30	21.4	19.3	2.1	11.7	10.9	3.3	7.2	57.5	46.7	0.4	1.6	3.3	26.6	60.9	39.1	53.8	20.3	25.2	154.7	27.5
2019-09-30	23.8	19.5	4.3	12.5	10.3	3	5.9	61.3	49.1	0.4	1.5	3.2	25.6	62.9	37.1	56	20.4	25.7	149	27.6
2019-12-31	21.2	19.2	2	11.3	8.4	2.9	6.2	61.5	48.9	0.4	1.4	3.1	24.9	63.7	36.3	56.2	21.8	27.1	153.8	25.8
2020-03-31	21.2	19.1	2.1	11.5	11.6	2.9	4.3	74.4	64.6	0.3	1.9	1.8	14.4	69.6	30.4	73.9	19.5	24.6	154.2	25.8
2020-06-30	21.2	19	2.2	11.2	12	3.4	5.2	76.2	62.3	0.5	2.1	1.2	10.2	70.6	29.4	79.6	21.2	26.8	160.3	25.2
2020-09-30	16.9	15.5	2.5	11	10.5	3.2	4.2	85.7	68	0.6	2.2	1.2	10	70.3	29.7	78.3	23.9	29.8	165.7	24.6
2020-12-31	16.4	15.3	2.2	10.6	11.4	3.2	3.6	89.6	72.9	0.5	2.3	1.4	11.9	69.9	30.1	74.6	22.4	27.7	169.1	24.4
2021-03-31	16.3	14.9	2.5	10.9	13.5	3.2	3.4	89	74.5	0.5	2.4	1.8	15.3	67.4	32.6	69.3	20.1	24.8	165.7	24
2021-06-30	16.7	14.9	2.9	11.1	15.6	3.4	4.2	84.7	69.2	0.5	2.3	1.8	14.9	66.8	33.2	66.9	20.6	25.5	167.9	25
2021-09-30	17.3	16	2.5	11.6	15.6	3.3	4.2	85.5	67	0.6	2.2	1.8	15	66.2	33.8	67.9	19.9	24.7	166.5	25.4
2021-12-31	17.1	16.1	2.2	11.6	20.7	3.3	4	86.7	67.9	0.6	2.2	2	16	65.4	34.6	65.8	19.2	23.7	167.2	25.1
2022-03-31	17.6	16.2	2.5	11.9	18.5	3.3	4.6	82.1	64.2	0.6	2.1	2.2	17.2	63.9	36.1	62.1	18.6	23.2	162.6	25.6
2022-06-30	17.5	15.7	2.9	12.1	18.5	3.3	4.9	79.3	60.8	0.6	2	2.5	18.9	63.9	36.1	60.5	17.8	22.2	158.5	25.8
2022-09-30	17	15.2	2.9	11.9	23	3.1	3.7	88.9	69.1	0.6	2.2	2.2	16.7	64.4	35.6	64.1	18.7	23.2	157.7	24.8
2022-12-31	16.8	16.1	1.7	11.7	30	3.1	4.2	84	66.2	0.6	2.1	2.5	18.7	64.6	35.4	62.1	19.5	24	156.6	24.9
2023-03-31	16.9	16	2	12	24.6	3.2	4.4	83.5	65.2	0.6	2.1	2.1	16.1	66.8	33.2	65.9	18.5	22.8	152.5	24.5
2023-06-30	16.7	15.4	2.4	12.1	23.2	3.1	4.5	83	63.9	0.6	2	2.4	17.9	67.1	32.9	62.1	18.9	23.6	148.8	25.3
2023-09-30	16.7	15.2	2.6	12.1	22.1	3	3.3	92.4	71.9	0.6	2.1	2.2	16.5	67.5	32.5	65.8	17.7	22.2	148.1	24.2
2023-12-31	16.3	15.7	1.6	12.1	21.9	2.8	3.7	89.4	68.5	0.6	1.9	2.5	19	67.8	32.2	64	16.3	20.5	143	24.6
2024-03-31	16.3	15.5	1.8	12.2	20.2	2.9	4.5	82.8	62.9	0.6	1.8	2.4	17.9	70.8	29.2	61.2	17.8	22.6	141.8	24.4
2024-06-30	16.9	15.3	2.6	12.8	21.3	2.9	4.4	82.3	63.1	0.6	1.8	2.4	18	70.3	29.7	61.3	16.3	20.7	139.8	25.3
2024-09-30	16.9	15.6	2.2	12.8	19.4	2.9	5	77.6	58.4	0.6	1.7	2.6	19.1	69.4	30.6	59.4	14.4	18.2	139.5	26.2

Notes:
n.d. = No data.