TABLE 12.1
COMMERCIAL BANKS' LIABILITIES 1993-2000
($EC'000)
						BALANCE DUE TO
				FOREIGN			OTHER	OTHER	FOREIGN	OTHER
PERIOD	DEMAND	TIME	SAVINGS	CURRENCY	TOTAL		LOCAL	ECCB AREA	LIABILITIES	LIABILITIES	TOAL
ENDED	DEPOSITS	DEPOSITS	DEPOSITS	DEPOSITS	DEPOSIT	ECCB	BANKS	BANKS	BANKS	BANKS	LIABILITIES
1993 DEC	10,450	37,889	30,411	173,535	252,585	13	81	1,674	51,820	26,843	332,716
1994 DEC	13,329	44,689	31,634	192,814	282,466	0	0	269	44,780	26,605	354,128
1995 DEC	14,064	46,592	36,736	238,466	335,858	1	0	150	45,593	34,400	416,002
1996 DEC	13,203	50,523	41,164	259,284	364,174	15	5,000	136	62,016	39,900	471,241
1997 DEC	12,175	54,480	41,303	275,024	382,982	4	5,000	2,164	69,028	-333747	508,413
1998 DEC	13,560	61,945	45,238	348,864	469,607	1,816	5,000	160	86,969	58,320	621,872
1999 DEC	14,227	71,864	493,332	377,077	512,500	5	0	6,351	82,826	67,596	669,278
2000 DEC	15,924	81,939	52,517	471,600	621,980	3,517	10,000	335	71,609	80,578	788,019
Source: Eastern Caribbean Central Bank
TABLE 12.2
COMMERCIAL BANKS' ASSETS 1993-2000
(EC$'000)
	CLAIMS ON
	CENTRAL BANK						INVESTMENTS
			STATUTORY	OTHER	OTHER	LOANS
PERIOD			RESERVES &	LOCAL	ECCB AREA	AND	TREASURY	GOV'T	FOREIGN	OTHER	TOTAL
ENDED	CASH	DEPOSIT	DEPOSITS	BANKS	BANKS	ADVANCES	BILLS	SECURITIES	ASSETS	ASSETS	ASSETS
1993 DEC	2,500	3,929	13,852	1,009	19,440	200,980	0	0	80,568	10,438	332,716
1994 DEC	2,107	17,097	0	0	20,003	199,009	0	0	104,797	11,115	354,128
1995 DEC	2,753	-	18725*	0	27,410	212,701	0	0	143,546	10,867	416,002
1996 DEC	2,645	-	27,658	5,000	24,690	240,183	0	0	152,756	17,309	417,241
1997 DEC	3,069	-	31,327	5,000	21,847	282,136	1,965	0	145,034	18,035	508,413
1998 DEC	3,368	-	32,385	5,000	26,737	308,716	1,968	0	219,877	23,829	621,872
1999 DEC	4,743	-	39,770	6,436	29,453	358,751	0	0	198,196	31,929	669,278
2000 DEC	2,433	-	46,838	10,473	32,731	457,547	0	0	202,711	35,286	788,019
Source: Eastern Caribbean Central Bank
* Includes Statutory Reserves & Deposits
TABLE 12.3
ANALYSIS OF LOANS AND ADVANCES 1993-2000
(EC$'000)
	Dec-93	Dec-94	Dec-95	Dec-96	Dec-97	Dec-98	Dec-99	Dec-00
AGRICULTURE	973	983	974	1,056	1,482	1,527	1,585	1,675
FISHERIES	442	293	729	794	952	858	576	1,385
MANUFACTURING	1,152	1,200	3,461	3,951	3,420	3,037	9,904	4,764
FOOD & NON ALCOHOLIC BEVERAGE	94	57	498	763	533	495	559	1,180
CLOTHING & ACCESSORIES	22	30	26	45	86	80	75	712
OTHER INDUSTRIES	1036	1,113	2,937	3,143	2,801	2,462	9,270	587
DISTRIBUTIVE TRADES	28,561	25,238	21,699	22,396	25,104	26,343	26,510	37,956
TOURISM	62,797	54,559	55,250	57,354	67,137	68,775	83,039	93,399
ENTERTAINMENT & CATERING	1,917	1,881	2,763	3,262	4,684	4,196	5,855	5,753
TRANSPORT	12,774	11,398	8,998	10,174	10,226	10,132	8,803	11,555
PUBLIC UTILITIES	358	874	2,806	8,377	7,202	13,488	13,984	6227
CONSTRUCTION & LAND DEVELOPMENT	6,750	13,223	11,223	13,284	13,509	11,515	11,234	18,389
GOV'T & STATUTORY BODIES	1,414	730	1,117	353	1,617	1,758	1,850	-
PROFESSIONAL & OTHER SERVICES	4,055	3,525	10,006	14,264	18,732	19,726	23,340	32,145
FINANCIAL INSTITUTIONS	1	25	359	912	1,300	55	346	322
PERSONAL	79,786	85,040	94,123	104,006	126,771	147,306	171,725	220,401
HOUSE & LAND PURCHASE	45,832	46,689	53,701	58,941	74,225	85,421	98,302	49,794
DURABLE CONSUMER GOODS	11,692	11,732	20,907	21,697	24,908	27,889	27,183	32,011
OTHER PERSONAL	22,262	26,619	19,515	23,368	27,638	33,996	46,240	72,974
TOTAL	200,980	199,009	213,508	240,183	282,136	308,716	358,751	437,427
% OF LONG TERM LOANS TO
TOTAL LOANS	53.2	45.4	37.9	52.7	57.6	58.4	60.3	95.6
Source: Eastern Caribbean Central Bank
TABLE 12.4
PERCENTAGE DISTRIBUTION OF LOANS AND ADVANCES TOTALLED 1993 - 2000
	Dec-93	Dec-94	Dec-95	Dec-96	Dec-97	Dec-98	Dec-99	Dec-00
AGRICULTURE	0.48	1.48	0.46	0.44	0.53	0.49	0.44	0.37
FISHERIES	0.22	0.46	0.34	0.33	0.34	0.28	0.16	0.30
MINING & QUARRYING1	-	-	-	-	-	-	-	0.76
MANUFACTURING	0.57	5.78	1.62	1.64	1.21	0.98	2.76	1.04
DISTRIBUTIVE TRADES	14.21	16.21	10.20	9.32	8.90	8.53	7.39	3.02
TOURISM	31.25	10.69	25.98	22.88	23.80	22.28	23.15	4.02
ENTERTAINMENT & CATERING	0.95	0.75	1.30	1.36	1.66	1.36	1.63	8.30
TRANSPORT	6.36	4.71	4.23	4.24	3.62	3.28	2.45	20.41
PUBLIC UTILITIES	0.18	5.06	1.32	3.49	2.55	4.37	3.90	1.26
CONSTRUCTION & LAND DEV.	3.36	4.87	5.28	5.53	4.79	3.73	3.13	2.53
PROFESSIONAL & OTHER SERVICES	0.70	3.16	0.53	0.15	0.57	0.57	0.52	0.07
FINANCIAL INSTITUTIONS	2.02	2.89	4.70	5.94	6.64	6.39	6.51	7.03
	0.00	0.93	0.17	0.38	0.46	0.02	0.01	2.73
PERSONAL	39.70	44.33	44.08	43.30	44.93	47.72	47.87	48.17
HOUSE & LAND PURCHASE	22.80	25.80	25.15	24.54	26.31	27.67	27.40	10.88
DURABLE CONSUMER GOODS	5.82	4.05	9.19	9.03	8.83	9.03	7.58	7.00
OTHER PERSONAL	11.08	13.48	9.14	9.73	9.80	11.01	12.89	30.29
TOTAL	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00
Source:  Statistical Unit
1 figures not available for 93-99
TABLE 12.5
COMMERCIAL BANKS' TOTAL DEPOSTS BY DEPOSITORS 1993 - 2000
(EC$' 000)
	Dec-93	Dec-94	Dec-95	Dec-96	Dec-97	Dec-98	Dec-99	Dec-00
1. RESIDENTS DEPOSITS
a. Governments	1,614	235	3,404	2,242	750	4,241	2,089	570
i. Central Government	1,428	2,195	2,375	2,232	750	4,241	11	12
ii  Local Government	186	160	1,029	10	-	-	2,078	558
b. National Insurance	19,767	24,127	29,457	35,990	4,031	41,325	45,856	55,323
c. Nonfinancial Pubic Enterprises	921	1,307	1,681	1,807	335	1,417	979	2,912
d. Private Businesses	49,207	50,198	63,878	71,067	78,264	120,521	138,824	162,393
e. Households	125,279	144,239	178,513	180,420	197,756	212,018	222,237	260,975
f. Non-Bank Financial Institutions	1,982	2,666	3,512	3,589	3,898	4,100	5,109	7,913
g. Subsidiaries & Affiliates	-	-	-	-	-	-	56	99
TOTAL NON-RESIDENTS DEPOSITS	198,770	224,892	280,445	295,115	321,314	383,622	415,150	490,185
2.  NON RESIDENTS DEPOSIT
a.  Other ECCB Territories	7,623	8,860	7,267	7,815	7,818	6,532	8,112	10,182
i  Public Sector	-	1	2	5	1	1	549	680
ii. Private Business	1,071	1,513	777	462	276	298	651	2,852
iii. Nonbank Financial Intermediaries	-	-	25	316	530	412	843	615
iv. Subsidiaries and Affiliates	-	-	-	-	-	-	-	-
v. Other	6,552	7,346	6,463	7,032	7,011	5,821	6,069	6,035
b.  Other Countries	45,892	48,714	48,146	61,244	53,850	79,453	89,238	121,613
i. Public Sector	-	-	-	-	-	-	339	397
ii. Private Business	10,486	12,034	16,155	11,256	7,960	13,714	12,888	24,720
iii.  Nonbank Financial Intermediaries	-	-	-	2	10	4,060	12,304	22,003
iv.  Subsidiaries and Affiliates	174	-	-	-	-	-	-	-
v. Other	35,232	36,680	31,991	49,986	45,880	61,679	63,707	74,493
TOTAL NON-RESIDENTS DEPOSITS	53,515	57,574	55,413	69,059	61,668	85,985	97,350	131,795
GRAND TOTAL	252,285	282,466	335,858	364,174	382,982	469,607	512,500	621,980
Source:  Eastern Caribbean Central Bank
* Revised Table
TABLE 12.6
COMMERCIAL BANKS TOTAL LOANS AND ADVANCES BY BORROWERS  1993 - 2000
(EC$' 000)
BORROWER	Dec-93	Dec-94	Dec-95	Dec-96	Dec-97	Dec-98	Dec-99	Dec-00
CENTRAL AND LOCAL GOV'T	1,414	730	1,117	353	1,617	1,758	1,850	12,513
STATUTORY BODIES AND
GOVERNMENT CORPORTATIONS	-	-	-	-	-	7,895	7,888	7,607
BUSINESS FIRMS	112,542	108,265	113,208	121,859	129,620	127,112	168,702	212,603
RESIDENT
NON-BANK FINANCIAL	239	246	568	620	996	-	243	229
INSTITUTION
PRIVATE INDIVIDUALS	81,635	83,812	90,346	97,448	115,498	133,789	167,433	214,949
TOTAL RESIDENT DEPOSITS	195,830	193,053	205,239	220,280	247,731	270,554	350,419	447,901
NON - RESIDENT	5,150	5,956	7,462	19,903	34,405	38,162	8,332	9,646
TOTAL DEPOSTIS	200,980	199,009	212,701	242,636	282,136	308,716	358,751	457,547
Source:  Eastern Caribbean Central Bank
TABLE 12.7
COMMERCIAL BANKS OVERDRAFTS AND LOANS BY MATURITY 1993 - 2000
	LOANS
	OVER	UP TO	OVER	OVER	TOTAL	GRAND
	DRAFTS	1 YR	1-5 YRS	5 YRS	LOANS	TOTAL
1993 DEC	27,511	3,051	78,156	92,262	173,469	200,980
1994 DEC	25,756	4,435	78,378	90,440	173,253	199,009
1995 DEC	24,139	4,881	102,995	80,686	188,562	212,754
1996 DEC	23,266	85,123	81,730	126,674	216,917	240,183
1997 DEC	27,399	18,839	73,365	162,533	254,737	282,136
1998 DEC	32,558	17,445	78,439	180,274	276,158	308,716
1999 DEC	34,850	19,553	88,133	216,215	323,901	358,751
2000 DEC	48,774	34,571	93,832	280,370	408,773	457,547
Source:  Eastern Caribbean Central Bank
TABLE 12.8
COMMERCIAL BANKS' SELECTED INTERESTS RATES 1993 - 2000
(EC$' 000)
	DEPOSITS
PERIOD ENDED		TIME				OTHER
	SAVINGS				PRIME	LENDING
	DEPOSITS	3 MONTHS	6 MONTHS	12 MONTHS	LENDING	RATES
1993 DEC	4.0 - 5.0	1.5 - 6.5	1.5 - 6.5	2.0 - 6.5	10.0 - 1.20	11.0 - 19.5
1994 DEC	4.0 - 5.0	1.5 - 5.5	1.5 - 5.5	2.0 - 5.8	11.5 - 12.0	11.5 - 19.5
1995 DEC	4.0 - 5.0	1.5 - 5.3	1.5 - 5.5	2.0 - 5.8	11.5 - 12.0	11.5 - 19.5
1996 DEC	4.0 - 5.0	1.5 - 5.3	1.5 - 5.5	2.0 - 5.8	11.5 - 12.0	11.5 - 19.5
1997 DEC	4.0 - 5.0	1.5 - 5.3	1.5 - 5.5	2.0 - 5.8	11.5 - 12.0	11.5 - 19.5
1998 DEC	4.0 - 5.0	1.5 - 5.3	1.5 - 5.5	2.0 - 5.8	11.5 - 12.0	11.5 - 19.5
1999 DEC	4.0 - 5.0	1.5 - 5.3	1.5 - 5.5	2.0 - 5.8	11.5 - 12.0	11.5 - 19.5
2000 DEC	4.0-5.0	2.0-5.3	2.0-5.5	4.8-5.6	10.0-12.0	10.0-16.0
Source: Eastern Caribbean Central Bank