Page 131 - 2021 ANNUAL REPORT draft

Gross carrying amount for contingents and undrawn commitments assessed for impairment totalled D99,
668,855.60 and D30, 252,800.00 respectively. The total reported impairment figure includes D448, 577.35
for contingents and D552, 678.18 for impaired undrawn commitments.

Dec-2020
Gross Stage
carrying Stage 1 2 Stage 3 Total Carrying
In thousands of
Gambian Dalasi amount ECL ECL ECL impairment amount
Loans and Advances to
individuals 499,346 (12,733) - (6,553) (19,286) 480,060
Loans and Advances to
Non-Individuals 532,124 (9,928) (554) (43,268) (53,751) 478,373

1,031,470 (22,661) (554) (49,821) (73,037) 958,433

Gross carrying amount for contingents and undrawn commitments assessed for impairment totaled D227,
196, 000 and D36, 420,000 respectively. The total reported impairment figure includes D262, 940,000 for
contingents and D1, 016,000 for impaired undrawn commitments.

In thousands of Gambian Dalasi Dec.-2021 Dec.-2020
Current 183,859 480,060
Non-Current 780,936 478,373

Total 964,794 958,433

Loans and advances to customers is analyzed below:

In thousands of Gambian Dalasi Dec.-2021 Dec.-2020
Loans to individuals
Overdraft 43,370 42,923
Loans 704,771 456,423
Others - -
748,141 499,346
Loans to non-individuals
Overdraft 43,240 62,068
Loans 231,940 470,056
Others - -
275,180 532,124
Total 1,023,321 1,031,470

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Guaranty Trust Bank (Gambia) Limited Financial Statements December 2021