Page 99 - 2021 ANNUAL REPORT draft

Loans and advances to customers:

- Loans to individuals 733,849 480,060
- Loans to non-individuals 230,945 478,373
Others - -

Financial assets designated at fair value - -
- Debt securities 5,802,399 4,649,620

Assets pledged as collateral - -
Other assets* 59,834 5,296

Total 7,456,918 6,246,979
*Excludes prepayments

Credit risk exposures relating to off-balance sheet assets are as follows:

Dec.-2021 Dec.-2020
GMD'000 GMD'000

Financial Guarantees 105,783 43,449
Other Loan Commitments 764,853 709,508
Total 870,636 752,957

Credit risk exposures by sector:

2021
Credit Risk
Exposure to
on-balance
sheet items Financial Mining,
oil &
Classification Education institution Government Manufacturing gas Others Total
Cash and
cash
equivalents
- - 1,142,796 - - - 1,142,796
- Balances
held with
other banks - 257,457 - - - - 257,457
- Money
market
placements - 372,434 - - - - 372,434
Loans and
advances to
customers: - - - - - - -

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Guaranty Trust Bank (Gambia) Limited Financial Statements December 2021