Page 7 - GTBank Annual Report 2020 eBook
P. 7
Financial Highlights
31-Dec-20 31-Dec-19 Change
GMD'000 GMD'000 %
Income Statement
Profit before tax 313,193 191,065 64
Profit after tax 225,877 138,142 64
Net interest income 469,018 361,574 30
Operating expenses 343,173 347,124 (1)
Impairment (9,893) (28,565) (65)
Balance sheet
Total Assets 8,363,266 6,929,575 21
Loans & Advances 958,433 1,056,111 (9)
Customer Deposits 6,994,743 5,877,275 19
Debt instruments measured at FVOCI 3,944,897 3,182,935 24
Equity 931,693 804,631 16
Ratios
Earnings Per Share (Bututs) 0.75 0.46 64
Return on Asset 2.95% 2.15% 37
Return on Equity 26.02% 18.53% 40
Capital Adequacy 34% 32% 6
Cost to Income 53% 66% (20)
Liquidity Ratio 84% 92% (9)
Non-Performing Loans (NPLs) 37,858 89,023 (57)
NPL Ratio 3.67% 7.92% (54)
Annual Report 2020
Guaranty Trust Bank Gambia Limited www.gtbankgambia.com 5
