Page 103 - 2021 ANNUAL REPORT draft

Loans Loans
Rating Overdraft Others Overdraft Others Aggregate
Total

Exceptional 4 12,000 - 5 - - 12,009
capacity

Very strong 43,366 677,353 - 43,235 193,265 - 957,219
capacity

Strong repayment - - - - - -
capacity

Acceptable risk - 80 - - 2 - 82

43,370 689,433 43,240 193,267 969,310
Impairment (4,720) (7,743) 0 (35,645) (48,108)

Total 921,202
38,650 681,690 43,240 157,622
The fair value of the collaterals securing loans and advances in this stage are as follows;- Loans
to Individuals:- GMD723,363
Loans to Non Individuals GMD1, 843,780
Total GMD2, 567,143

Credit quality of stage 2 loans

Loans to Loans to Non- Loans to
Total
Individual individual Banks

Gross loans:

Loans 285 6,703 - 6,988

Overdraft - - - -

Others - - - -

285 6,703 6,988

Impairment:
Loans 243 5,085 - 5,328
Overdraft - - - -

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Guaranty Trust Bank (Gambia) Limited Financial Statements December 2021