Page 62 - GTBank Annual Report 2020 eBook

Credit risk exposures relating to off-balance sheet assets are as follows:
Dec.-2020 Dec.-2019

GMD'000 GMD'000

Financial Guarantees 43,449 64,556
Other Loan Commitments 709,508 1,078,779
Total 752,957 1,143,335

Credit risk exposures by sector:

2020
Credit Risk
Exposure to
on-balance
sheet items Financial Mining,
oil &
Classification Education institution Government Manufacturing gas Others Total
Cash and
cash
equivalents
- - 897,492 - - - 897,492
- Balances held
with other
banks - 63,893 - - - - 63,893
- Money
market
placements - 569,737 - - - - 569,737
Loans and
advances to
customers: - - - - - - -
Loans to
individuals:
Overdraft - - - - - -
Loans - - - - - 499,346 499,346
Others - - - - - - -
Loans to
corporate
entities:
Large
corporate
customers - 6,026 10,668 23,719 56,543 435,168 532,124
SMEs - - - - - - -
-
Debt
instruments:
Treasury Bills
and Bonds - - 4,649,620 - - - 4,649,620
-
Assets
pledged as
collateral - - - - - - -
Other assets - - - - - 5,296 5,296
- 639,656 5,557,780 23,719 56,543 939,810 7,217,508
Annual Report 2020

Guaranty Trust Bank Gambia Limited www.gtbankgambia.com 60