Page 8 - GTBANK GAMBIA ANNUAL REPORT 2021
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Financial Highlights
31-Dec-21 31-Dec-20 Change
GMD'000 GMD'000 %
Income Statement
448,256 313,193 43
Profit before tax
332,705 225,877 47
Profit after tax
457,954 469,018 (2)
Net interest income
375,886 380,145 (1)
Operating expenses
14,509 (9,893) 247
Impairment
Balance sheet
10,071,745 8,363,266 20
Total Assets
964,794 958,433 1
Loans & Advances
8,616,820 6,994,743 23
Customer Deposits
4,322,863 3,944,897 10
Debt instruments measured at FVOCI
1,065,896 931,693 14
Equity
Ratios
1.11 0.75 48
Earnings Per Share (Bututs)
3.61% 2.95% 22
Return on Asset
33.31% 26.02% 28
Return on Equity
47% 34% 38
Capital Adequacy
46% 55% (16)
Cost to Income
93% 84% 11
Liquidity Ratio
36,748 37,858 (3)
Non-Performing Loans (NPLs)
Annual Report 2021
3.60% 3.67% (2)
NPL Ratio
11.20% 13.70 (18)
Loan to Deposit Ratio
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