Financial Soundness Indicators - Non-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	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	29.7	29.8	-0.1	26.2	6.3	1.5	-0.4	133.9	120.1	0.2	1.5	5.2	46.5	53.5	67.6	12.1	45.7	29.7	60.3
2010-06-30	34.3	35.4	-1.1	28.3	10.5	11.8	10.1	32	30.4	0.2	1.3	4.5	47.9	52.1	77.7	15.1	55.9	35.3	57.3
2010-09-30	31.1	34.5	-3.4	27.4	8.5	11.7	8.2	49.5	48.2	0.2	1.4	4.5	43	57	78.9	10.7	39	42.1	54
2010-12-31	33.5	32.7	0.8	31	5.3	2.8	2	49.9	42.7	0.2	2.4	7.8	37.7	62.3	68.7	9.7	33.5	43.2	55.5
2011-03-31	34.4	32.6	1.8	31.8	6.8	2.9	2.2	48.2	31.8	0.5	11.1	32.9	48.8	51.2	22.9	14.7	48.5	47.1	45.2
2011-06-30	37.3	34.1	3.2	33.4	-2.9	3.9	3.2	34.2	23.3	0.4	9.7	27.7	46.1	53.9	26.6	16	57.9	47.3	46.9
2011-09-30	37	34	3	34.1	7.7	4.1	2.7	42.4	29.6	0.5	8.2	22.7	46.5	53.5	32.8	17.9	81.9	44.7	46.2
2011-12-31	31.4	34	-2.6	28.6	4.8	4	1.8	66.6	54.3	0.5	7	19.3	45	55	39	15.6	62.8	50.9	42.4
2012-03-31	33.7	38.6	-4.8	30.3	3.7	5	2.7	69	44.9	1.2	6.5	16.8	35.8	64.2	39.1	13.5	39.8	52.6	40.5
2012-06-30	33.9	37.5	-3.5	31.5	7.6	4.7	2.3	73.1	46.9	1.2	6.9	17.4	37.1	62.9	37.1	14.6	45	51.3	48.3
2012-09-30	32.1	34.5	-2.4	29.8	1	7.4	4.3	53.2	37.6	1.2	7.7	19.1	38.9	61.1	34.5	13.9	35.9	48.7	38.2
2012-12-31	33.5	37.2	-3.7	31.3	2.5	6.6	3.6	55.1	41.9	0.9	8.2	20.3	38.3	61.7	34	17.3	46.5	49.3	40.5
2013-03-31	35.6	39.9	-4.2	33.5	10.7	6.7	3.3	60.1	46.4	0.9	6.6	16.1	39	61	38.3	20.8	54.9	48.7	45.6
2013-06-30	33.2	35.8	-2.6	30.8	5.5	6.2	3.4	52.8	36.8	1	8.3	20.2	39.1	60.9	33.2	22.7	52.1	58.6	38.2
2013-09-30	35.1	37.5	-2.4	32.1	0.1	5.6	3.4	42.5	36.3	0.3	8.2	19.7	38.1	61.9	34.2	18.5	46.7	60.6	41.1
2013-12-31	40.8	44	-3.1	34.1	18.7	5.9	3.4	53.5	35.9	1	9.3	22	31.7	68.3	31.9	17.5	47.2	64.9	41.7
2014-03-31	39.2	43.8	-4.6	33.1	18.6	5.6	3.2	55.8	37.3	1	6.5	15.4	41.9	58.1	39.7	19.1	47.9	67.6	45.7
2014-06-30	44.7	48.2	-3.5	37.5	20.4	5	2.9	59	38.6	1	7.3	16.5	41.6	58.4	42.2	19.9	53.9	69.7	31.8
2014-09-30	43.9	45.8	-1.9	35.6	15.2	9.4	5.3	48.6	37	1.1	6.4	14.4	40.9	59.1	48	21.4	52.2	72.7	34
2014-12-31	40.8	43.4	-2.6	35.1	18.9	9.2	5.7	40.7	34.8	0.5	7.1	15.9	39	61	42.4	21.1	53.3	72.1	31.1
2015-03-31	40.8	45.7	-4.9	34.8	22.8	9.2	5.6	43.3	37.3	0.6	7.8	17.7	33.6	66.4	43.6	18.6	48.2	73.1	29.2
2015-06-30	41.5	44.6	-3	34.3	19.5	9.3	6.5	41.3	35.5	0.5	8.1	18.4	37.6	62.4	41.4	17.3	46	63.1	29.4
2015-09-30	40.7	43.6	-2.9	35	27.3	8.2	6	39.9	33.6	0.5	7.7	17.5	38.7	61.3	41.1	13.6	41.3	62	30.7
2015-12-31	39.9	42.3	-2.4	35.7	28.2	7.6	4.8	48.3	42.1	0.5	8.5	19.4	39.1	60.9	40.4	13	37.7	63.5	32.2
2016-03-31	41.9	46.9	-5	35.4	21	8.3	5.8	45.6	39	0.6	6.9	15.6	42.5	57.5	42.5	17.9	53.4	62.9	27.7
2016-06-30	43.2	46.1	-3	35.9	22.5	4.4	2.9	54	40	0.6	8.3	18.8	41.1	58.9	38.6	18.8	54.1	70.5	26.9
2016-09-30	46.1	48.1	-2	35	20.5	4.4	2.7	55.7	40.4	0.7	8.2	18.5	41	59	39	19	55.6	73.4	29.3
2016-12-31	43.9	49.8	-5.8	32	20.7	3.7	2.2	62	41.3	0.8	8.8	20	41.1	58.9	38.3	17.7	48.4	79.7	33.2
2017-03-31	44.7	53.7	-9	31.5	28.8	4.3	2.9	53.7	36	0.8	4.8	11.5	47.5	52.5	52.4	19.2	51.6	83.1	32
2017-06-30	44.7	51.8	-7.1	33.8	20.9	5.1	3.3	51.8	34	0.9	6.4	15	46.9	53.1	48.8	16.4	48.8	78.1	35.8
2017-09-30	46.6	52.2	-5.6	37.2	19.5	5	2.9	56.5	37.1	1	7.1	16	48.2	51.8	45.9	18	64.8	64.7	26.6
2017-12-31	47.5	52.7	-5.3	39.2	23.2	4.7	2.2	64.4	42.6	1	9.6	21.1	48.8	51.2	33.7	17.9	72	67.3	25.5
2018-03-31	48.7	57	-8.3	38.3	20.2	4.7	1	92.9	74	0.9	6.2	12.2	49.3	50.7	44.1	18.5	70.1	72.7	26
2018-06-30	46.9	56.1	-9.2	38.2	20	4.3	0.6	105.1	84.9	0.9	7.3	14.6	49.2	50.8	42.3	16.5	63.1	72.4	28.9
2018-09-30	46.9	55.4	-8.5	36.2	16.6	4.2	0.3	104.7	91.9	0.5	6.5	13	49.8	50.2	48.2	19.7	67.2	76.2	30.8
2018-12-31	47.4	52.6	-5.3	38.3	18.2	4.2	1	90.8	71.5	0.8	9.3	18.7	49.2	50.8	46.4	18.4	66.7	76	32.5
2019-03-31	48.2	56.1	-8	40.6	22.3	3.6	0.7	102.8	78.3	0.9	6.2	11.9	50.6	49.4	48.6	14.9	56.5	72.4	30.9
2019-06-30	47.8	56	-8.1	40	23	4.2	1	92.1	71.8	0.9	7.1	13.8	47.6	52.4	45.2	19.9	72.5	81	29.8
2019-09-30	43.5	50.6	-7.1	37.6	26.1	4.4	0.9	97.1	77.1	0.9	7.3	14.6	46.4	53.6	47.3	15.9	53.1	85.7	25.6
2019-12-31	47.9	54.3	-6.4	39.1	21.4	6.2	2.5	62.4	47.4	0.9	10.9	21.8	46.3	53.7	44.3	17.5	65.4	81.1	25.5
2020-03-31	51.2	60.6	-9.4	41.7	20.8	4.8	1.3	87.1	66.2	1	5	9.8	51.7	48.3	51.7	18.6	69.3	72.5	24.3
2020-06-30	55	63.8	-8.8	42.2	20.2	5.8	2	82	58.5	1.4	5.3	10.2	48.6	51.4	53.8	19.7	78.2	73.9	24.8
2020-09-30	44.1	50.3	3	42.3	22.1	5.8	2	83.8	59.7	1.4	5.6	10.8	47.9	52.1	50.9	18.5	72.1	71.2	24.7
2020-12-31	43.2	49	2.9	43.4	26.4	6.5	2.2	73.6	56.4	1.1	7.3	14.1	48.2	51.8	46	23.8	89.5	75.6	25.3
2021-03-31	43.4	52.9	1.5	38.7	20.3	6.3	2.1	75.3	57.7	1.1	4.4	8.8	52	48	53.4	25.1	78.9	89.3	24.2
2021-06-30	41.5	49.8	2.4	36.6	21.8	6.5	2.4	74.7	56.8	1.2	4.9	10.1	50.9	49.1	54.3	20.9	63.9	102.6	28.2
2021-09-30	38.2	44.9	3.1	34.4	21.6	6.3	2.4	76.3	56.9	1.2	4.9	10.4	49.6	50.4	52.7	20	56.1	107.7	31.4
2021-12-31	40.5	47.2	3.3	34.5	24	5.5	1.5	92.8	64.9	1.5	5.7	12.5	48.9	51.1	51	22.9	66.8	128.7	30.8
2022-03-31	38.8	47.1	1.4	33.4	27.7	4.9	1	106.8	75	1.5	3.4	7.9	56.1	43.9	56.6	20.3	61.1	132.3	33.4
2022-06-30	40.9	44.1	6.4	36.8	28.4	5.4	1.3	95.6	66.1	1.6	3.3	7.5	57.3	42.7	56.7	16.8	53.3	135.4	37.3
2022-09-30	37.5	40.9	5.3	33.1	33.3	4.5	1.1	105.8	68.7	1.7	3.3	7.4	55.2	44.8	58	15.7	47	148.7	40.9
2022-12-31	36.1	39.1	6.1	30	28.6	4	1.4	102.9	56.3	1.9	4.8	11.2	51.4	48.6	53.3	17.3	51.9	165.8	46.7
2023-03-31	32.7	35.6	5.7	26.6	33.2	3.7	1.4	103.3	58.7	1.6	4.3	11.9	52.3	47.7	46	11.6	36.6	182.1	50.8
2023-06-30	32.8	35.9	5.6	25.8	36.3	3.7	1.5	97.8	56	1.6	4.9	14.3	53.4	46.6	43.5	11.1	34.3	186.1	49.7
2023-09-30	32.5	34.9	6.3	26.2	33.6	3.7	1.5	94	58.4	1.3	4.7	13.8	54.4	45.6	43.7	10.1	29.9	165.6	46.8
2023-12-31	32.9	34.5	6.8	28.8	33.2	3.6	1.7	86.4	52.3	1.2	5.8	16.6	54.7	45.3	45.6	11.8	33.1	140.9	38.3
2024-03-31	34.7	37.5	5.9	32.9	33.5	3.7	1.7	85.5	52	1.2	4.2	10.4	51	49	50.3	15.2	37.2	105	20.9
2024-06-30	32.2	36.3	4.9	31.8	31.8	4.5	2.4	72.5	45.2	1.2	3.6	8.8	52.4	47.6	56.2	14.3	35.2	101.1	19.5
2024-09-30	32.7	36.4	5.4	32.3	34.8	4.4	2.1	73.7	48.1	1.1	4	9.7	53.3	46.7	56.3	15.6	38.7	100.4	20

Notes:
n.d. = No data.