Page 90 - GTBANK GAMBIA ANNUAL REPORT 2021

Balance as per statement of cash flow 1,636,693 854,629
Restricted balances with Central Bank of The Gambia 1,142,795 897,492
Cash and cash equivalent 2,779,488 1,752,121
Cash reserve deposit are mandatory reserve deposits with the Central Bank of The Gambia which are not available for use
in the Bank’s day to day operations.

19. Loans and advances to customers

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
Annual Report 2021

www.gtbankgambia.com Guaranty Trust Bank Gambia Limited 90