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The Gambia Bankers’ Association

Data & evidence

Industry Statistics

Our approach

Evidence the whole sector can rely on

Reliable statistics are a public good. They help policymakers judge the effect of regulation, give investors and development partners a clear view of the sector, allow journalists to report accurately and help the public understand how the banking system is changing.

The Association publishes indicators only once they have been approved through its internal processes. Every figure carries its reporting period, its source and the date it was last updated, and each indicator is defined in plain language so that it can be read correctly.

Figures are published for the industry as a whole. The Association does not publish data on the performance of individual member banks.

Balance sheet

Total assets

Unit: GMD billions

Figures pending
What it measures
Everything banks own: loans and advances, investments such as government securities, cash, balances with other banks and fixed assets.
Why it matters
The broadest measure of the size of the banking industry and its weight in the economy.
How it is compiled

Compiled for the industry as a whole from approved aggregate data. Figures are stated for the end of each reporting period unless otherwise noted, and revisions to earlier periods are recorded when the series is updated.

Total deposits

Unit: GMD billions

Figures pending
What it measures
Money placed with banks by households, businesses, institutions and government, across current, savings and fixed-term accounts.
Why it matters
Shows public confidence in the banking system and is the main source of the funds banks lend.
How it is compiled

Compiled for the industry as a whole from approved aggregate data. Figures are stated for the end of each reporting period unless otherwise noted, and revisions to earlier periods are recorded when the series is updated.

Shareholders’ funds

Unit: GMD billions

Figures pending
What it measures
The capital invested by bank owners plus retained earnings and reserves.
Why it matters
Capital absorbs losses and protects depositors; growth in capital supports safe growth in lending.
How it is compiled

Compiled for the industry as a whole from approved aggregate data. Figures are stated for the end of each reporting period unless otherwise noted, and revisions to earlier periods are recorded when the series is updated.

Credit & asset quality

Gross loans and advances

Unit: GMD billions

Figures pending
What it measures
Credit extended by banks to households, businesses and other borrowers, before deducting provisions for expected losses.
Why it matters
Measures how far banks are financing economic activity, from household needs to business investment.
How it is compiled

Compiled for the industry as a whole from approved aggregate data. Figures are stated for the end of each reporting period unless otherwise noted, and revisions to earlier periods are recorded when the series is updated.

Figures pending
What it measures
Loans on which repayments are significantly overdue or unlikely to be made in full, as a share of gross loans.
Why it matters
A key gauge of credit quality. Rising ratios can signal pressure on borrowers and on bank earnings.
How it is compiled

Compiled for the industry as a whole from approved aggregate data. Figures are stated for the end of each reporting period unless otherwise noted, and revisions to earlier periods are recorded when the series is updated. Classification of non-performing loans follows the Central Bank's prudential requirements.

Figures pending
What it measures
Regulatory capital as a share of risk-weighted assets.
Why it matters
Shows the industry’s capacity to absorb unexpected losses while continuing to lend and serve customers.
How it is compiled

Compiled for the industry as a whole from approved aggregate data. Figures are stated for the end of each reporting period unless otherwise noted, and revisions to earlier periods are recorded when the series is updated. Capital and risk weights are measured as defined by the Central Bank's prudential requirements.

Liquidity ratio

Unit: Percent

Figures pending
What it measures
Liquid assets, such as cash and short-term government securities, as a share of short-term liabilities.
Why it matters
Indicates whether banks can meet withdrawals and other obligations as they fall due.
How it is compiled

Compiled for the industry as a whole from approved aggregate data. Figures are stated for the end of each reporting period unless otherwise noted, and revisions to earlier periods are recorded when the series is updated.

Profitability

Return on assets

Unit: Percent

Figures pending
What it measures
Annualised profit after tax as a share of average total assets.
Why it matters
Shows how efficiently the industry turns its balance sheet into earnings, which in turn build capital.
How it is compiled

Compiled for the industry as a whole from approved aggregate data. Figures are stated for the end of each reporting period unless otherwise noted, and revisions to earlier periods are recorded when the series is updated.

Return on equity

Unit: Percent

Figures pending
What it measures
Annualised profit after tax as a share of average shareholders’ funds.
Why it matters
Indicates the return to owners and the industry’s capacity to strengthen capital from its own earnings.
How it is compiled

Compiled for the industry as a whole from approved aggregate data. Figures are stated for the end of each reporting period unless otherwise noted, and revisions to earlier periods are recorded when the series is updated.

Access & infrastructure

Bank branches

Unit: Count

Figures pending
What it measures
Physical bank branches and service outlets in operation at the end of the period.
Why it matters
A measure of physical access to banking services across the country.
How it is compiled

Compiled for the industry as a whole from approved aggregate data. Figures are stated for the end of each reporting period unless otherwise noted, and revisions to earlier periods are recorded when the series is updated.

ATMs

Unit: Count

Figures pending
What it measures
Automated teller machines operated by banks at the end of the period.
Why it matters
Indicates access to cash and basic account services outside branch hours and locations.
How it is compiled

Compiled for the industry as a whole from approved aggregate data. Figures are stated for the end of each reporting period unless otherwise noted, and revisions to earlier periods are recorded when the series is updated.

Bank accounts

Unit: Count

Figures pending
What it measures
Deposit accounts held with banks by individuals and businesses.
Why it matters
A core measure of financial inclusion and of the reach of formal banking.
How it is compiled

Compiled for the industry as a whole from approved aggregate data. Figures are stated for the end of each reporting period unless otherwise noted, and revisions to earlier periods are recorded when the series is updated. Accounts are counted, not customers; one customer may hold several accounts.

Digital banking

Figures pending
What it measures
Customers registered to use a bank’s mobile or internet banking services.
Why it matters
Tracks the adoption of digital channels, which widen access and reduce the cost of banking.
How it is compiled

Compiled for the industry as a whole from approved aggregate data. Figures are stated for the end of each reporting period unless otherwise noted, and revisions to earlier periods are recorded when the series is updated.

Figures pending
What it measures
Payments made with bank-issued debit and credit cards during the period.
Why it matters
Indicates the shift from cash to electronic payments in everyday commerce.
How it is compiled

Compiled for the industry as a whole from approved aggregate data. Figures are stated for the end of each reporting period unless otherwise noted, and revisions to earlier periods are recorded when the series is updated.

From data to publication

How figures are published

  1. 1

    Collection

    Aggregate data is compiled for each reporting period from approved sources.

  2. 2

    Validation

    Figures are checked for consistency with previous periods and with published sources.

  3. 3

    Approval

    Indicators are reviewed and approved for release through the Association’s internal processes.

  4. 4

    Publication

    Approved figures are published with their period, source and methodology notes.

  5. 5

    Revision

    Where earlier figures are revised, the change is recorded and the series updated.

Using the data

Quoting our statistics accurately

  • State the reporting period alongside every figure you quote
  • Attribute the figure to the source shown with the indicator
  • Compare like with like: the same indicator over the same kind of period
  • Read ratios alongside the totals they are drawn from
  • Check the methodology notes before drawing conclusions
  • For official regulatory data, refer to the Central Bank of The Gambia

Questions

Frequently asked questions

Where do the figures come from?

Each indicator shows its source. Official supervisory statistics on the banking system are published by the Central Bank of The Gambia; the Association publishes approved industry aggregates and always states where a figure comes from.

Why are some indicators shown without figures?

The catalogue lists every indicator the Association intends to publish. Figures are added as soon as they have been approved for release, so the definitions are available first.

Do you publish data on individual banks?

No. The Association publishes figures for the industry as a whole. Individual banks publish their own financial statements.

Can I request data that is not shown here?

Yes. Researchers, students and journalists can send a publication or data request through the Contact page. Requests are considered against what has been approved for release.

Need data for research or reporting?

Send a data request to the Secretariat, or read our methodology and definitions in the publications library.

Request dataPublications library

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