Page 66 - GTBank Annual Report 2020 eBook

Credit quality of stage 1 loans

Loans and advances to customers
Individuals Non-individuals

Aggregate

Rating Overdraft Loans Others Overdraft Loans Others Total

Exceptional
capacity 8 12,358 - 22 - - 12,388
Very
strong
capacity 88,502 385,735 - 144,723 213,554 - 832,514
Strong
repayment
capacity - - - - - -

Acceptable
risk - 142 - 1 1 - 144
88,510 398,235 144,746 213,555 845,046
Impairment (6,258) (6,475) (4,005) (5,923) (22,661)
Total 82,252 391,749 140,741 207,632 822,385

Credit quality of stage 2 loans

Loans to Loans to Non- Loans to
Individual individual Banks Total
Gross loans:
Loans - 129,684 - 129,684
Overdraft - - - -
Others - - - -
- 129,684 - 129,684
Impairment:
Loans - 554 - 554
Overdraft - - - -
Others - - - -
- 554 - 554
Net Amount:
Loans - 129,130 - 129,130
Overdraft - - - -
Others - - - -
- 129,130 - 129,130
FV of collateral1:
Loans 513,620 483,285 - 996,905 Annual Report 2020

Guaranty Trust Bank Gambia Limited www.gtbankgambia.com 64