Page 66 - 2021 ANNUAL REPORT draft

During 2021 and 2020 respectively, the Bank has been organized into five operating segments based on
products and services, as follows:

• Retail Banking − Individual customers’ deposits and consumer loans, overdrafts, verve and visa
card facilities and funds transfer facilities
• Corporate Banking − Loans and other credit facilities and deposit and current accounts for
corporate and hospitality customers
• Commercial Division − Loans and trade finance facilities for enterprises and small businesses
• Public Sector Group – Deposit and Investment products and services to institutional investors and
public institutions
• Treasury function − Treasury and finance and other central functions

3.23.1. Profit segments

An analysis of the Bank’s income statement, total assets and liabilities are as follows:

Information about operating segments December 2021
Retail & Public
Corporate SME Commercial Treasury Sector
&
Hospitality Division Division Division Group Total
Revenue:
213,309 180,300 103,079 289,875 63,827 850,390
Derived from external
customers
213,309 180,300 103,079 289,875 63,827 850,390
Total Revenue
(298) (19,286) (1,484) (3,829) (439) (25,336)
Interest expenses
(2,209) (6,002) (1,869) (4,046) (1,294) (15,421)
Fee and commission
expenses

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Guaranty Trust Bank (Gambia) Limited Financial Statements December 2021