Knowledge hub
11 documents
A plain-language guide for people opening their first bank account: choosing the right account, the documents typically needed, fees and terms to ask about, using cards and digital banking safely, and keeping good records.
Guidance for member banks and their staff on authorised push payment fraud, in which customers are deceived into sending money to fraudsters, covering common typologies, red flags, staff interventions, customer messaging and reporting.
The industry's considered view on the principles that should guide the development of digital payments in The Gambia, covering interoperability, common standards, fraud controls, consumer protection and inclusion, with recommendations for policymakers.
A training module on the everyday security practices expected of all bank staff: recognising phishing and social engineering, using strong passwords and multi-factor authentication, keeping devices secure, reporting incidents and protecting customer data.
Explains the factors that shape the rates banks pay on deposits and charge on loans, including monetary policy, the cost of funds, risk, operating costs, competition and term, with a note on how Islamic finance products are priced.
Examines the barriers that keep people and small businesses outside the formal financial system and the levers, including agent banking, proportionate digital onboarding, tailored products and financial literacy, that could widen access.
A training module for frontline bank staff on the essentials of anti-money laundering and countering the financing of terrorism, covering due diligence, politically exposed persons, red flags, suspicious transaction reporting, tipping-off and record keeping.
The industry's view on credit reporting, collateral registration and enforcement, and insolvency arrangements, and on how improvements in each could widen access to credit, particularly for small and medium-sized enterprises.
A reader's guide to bank financial statements, explaining the balance sheet, income statement and notes, and how to interpret key ratios such as capital adequacy, liquidity, non-performing loans, return on assets and return on equity.
Sets out how the Association compiles and publishes banking industry indicators, including sources, reporting periods, aggregation, revisions and confidentiality, and defines each indicator from total assets and deposits to capital adequacy and digital banking users.
Explains how the Association prepares its responses to consultations by regulators and government, from gathering evidence and consulting member banks to committee review, approval and publication, and the quality standards each submission must meet.
Library
A record of the Association's work over the year, its governance and its financial statements.
Periodic reviews of developments in the banking industry, drawing on official and industry data.
The Association's formal positions and its responses to consultations by regulators and government.
Notices to member banks on common standards, industry arrangements and regulatory developments.
Industry figures with stated sources, definitions and reporting periods.
Analysis of issues facing the sector, from financial inclusion to digital payments and credit infrastructure.
Materials supporting professional development for bank staff, including compliance and customer-service topics.
Plain-language guides that help the public use banking services safely and with confidence.
Citation
Publications may be quoted and referenced for research, journalism, teaching and policy work, provided the Association is acknowledged as the source. Statistics should be cited together with their original source and reporting period, as stated in the publication.
Suggested citation format:
The Gambia Bankers' Association (Year). Title. Banjul: GBA.
Policy papers and submissions represent the Association's position at the date of publication. Readers should check for later publications on the same subject before relying on an earlier position.
Researchers, journalists and institutions seeking data, earlier publications or permission to reproduce material can contact the Secretariat.
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