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The Gambia Bankers’ Association

Library

2 documents

Research

How Bank Interest Rates Are Determined

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.

Research

Understanding Bank Financial Statements: A Reader's Guide

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.

Library

Our publications

  • Annual reports

    A record of the Association's work over the year, its governance and its financial statements.

  • Sector reports

    Periodic reviews of developments in the banking industry, drawing on official and industry data.

  • Policy papers and submissions

    The Association's formal positions and its responses to consultations by regulators and government.

  • Circulars

    Notices to member banks on common standards, industry arrangements and regulatory developments.

  • Statistics releases

    Industry figures with stated sources, definitions and reporting periods.

  • Research

    Analysis of issues facing the sector, from financial inclusion to digital payments and credit infrastructure.

  • Training resources

    Materials supporting professional development for bank staff, including compliance and customer-service topics.

  • Financial-literacy guides

    Plain-language guides that help the public use banking services safely and with confidence.

Citation

Using and citing our work

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.

Data and publication requests

Researchers, journalists and institutions seeking data, earlier publications or permission to reproduce material can contact the Secretariat.