Page 90 - GTBANK GAMNBIA 2021 ANNUAL REPORT
P. 90

Dec-2021
                                       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                    748,141      (12,463)    (243)       -              (12,706)      735,435
          Loans and Advances to
         Non-Individuals                275,180      (35,645)    (5,085)     (5,091)        (45,821)      229,359

                                       1,023,321     (48,108)    (5,328)     (5,091)        (58,527)      964,794
        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
     Annual Report 2021
           Overdraft                                                       43,370              42,923




          www.gtbankgambia.com                                     Guaranty Trust Bank Gambia Limited             90
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