GT Bank Gambia la Faatoo ni Jaliyaa Konkoolu
GT Bank Gambia Ltd. ye banki bonyaata ye Gambiyaa la, a be Gambiyaa la jate fo san 2002. A ye baa bonyaata ye Guaranty Trust Holding Company Plc la, min ye banki bonyaata ye Afirikaa la. GT Bank Gambia ye banki ye, a be Gambiyaa laalaala, a be baaraa la Financial Services Act la. A be jaliyaa konkoolu ni diiɲɛya jaliyaa bonyaata jate jamaa la, kaanabanaolu la, baaraa kɛrɛnkɛrɛnnenolu la (MSMEs), baaraa bonyaataolu la, ni gofɛrɛnamanolu la.
GT Bank Gambia ye baaraa laala March tile 5, san 2002. A ye GTCO Plc ni Gambiyaa la baaraa kɛrɛnkɛrɛnnenolu la baaraa ye. San 2021 la, Central Bank of The Gambia ye a la baaraa laala holding company ye, ka a la baaraa tugu GTCO Plc la baaraa la. Banki la baaraa bonyaata ye retail banking, SME banking, corporate banking, ni public sector banking. A la naafalu ye jamaa ye, minnu be saraa la, MSMEs, baaraa bonyaataolu, ni gofɛrɛnamanolu. A be jaliyaa konkoolu jate deposit accounts, biiyaata musuwoolu, trade finance, ni diiɲɛya jaliyaa la.
Biiyaata Musuwoolu ni A La Timoo
GT Bank Gambia be biiyaata musuwoolu jamfaaraa jate, ka jamaa la naafalu jamfaaraa kɛɲɛ. Ni ye biiyaata musuwoolu ye:
- Biiyaata Musuwoolu FTL (Fast Track Loan): O ye biiyaata ye kaanabanaolu la, minnu be GMD 2,000 saraa saandaa koro kelen la. A be wuli san koro kelen.
- Max Advance: O ye biiyaata ye kaanabanaolu la, minnu be GMD 5,000 saraa saandaa koro kelen la, ni u la saraa be wuli GT Bank kammaa. A be wuli san fula (o be wuli laalaamaa la).
- Suufaraa Biiyaata Musuwoolu ni Diiyaata Jaliyaa (Overdraft): O ye biiyaata ye jamaa la, minnu la saraa wala baaraa be wuli GT Bank kammaa. Diiyaata jaliyaa be wuli kammaa la, ni i ye kammaa la naafalu bonyaata la.
- LPO Financing ni Karandiyaa Jaliyaa Biiyaata: O ye biiyaata ye baaraa kɛrɛnkɛrɛnnenolu la, minnu be baaraa la gofɛrɛnamanolu ni baaraa bonyaataolu la. O be wuli karandiyaa saraa la, Gambiyaa la ni kafo tuguolu la. A be wuli san fula.
Biiyaata Musuwoolu Kammaa ni Alaadiolu
Biiyaata musuwoolu kammaa bonyaata be wuli jamaa la saraa la, wala baaraa la. FTL kammaa bonyaata ye GMD 2,000. Alaadiolu ni kammaa saralaa ma faa jamaa la Gambiyaa la kɛrɛnkɛrɛnnen. Nka, a be wuli parent group la Quick Credit la Nigeria la, min ye 2.95% saandaa koro kelen la (o ye 35.4% san koro kelen la). O ye fankaraa ye Gambiyaa la baaraa la.
Biiyaata musuwoolu be wuli san koro kelen fo san fula. Saraa be kemaa saandaa koro kelen la, ni principal ni kammaa saralaa be kemaa kelen la. I be se ka saraa kammaa la, nka alaadiolu ma wuli. Alaadiolu be wuli biiyaata jateyaraa la (e.g., 1% credit insurance fee). Alaadiolu be wuli kammaa la, ni i ma saraa timo la.
Fakaraa Niisoo: Saraa wala baaraa be wuli GT Bank kammaa. Fakaraa niisoo be wuli biiyaata bonyaata la, i n'a fɔ corporate guarantees, pledges, wala LPOs. Credit insurance ye naafalu ye biiyaata musuwoolu la.
App La Baaraa, Banki La Laaraa ni Jamaa La Karoo
GT Bank Gambia be diiɲɛya jaliyaa la bonyaata la. A be GTWorld mobile app jate, min be wuli iOS ni Android la. App la baaraa konkoolu ye:
- Kontoo la baaraa (balances)
- Jaliyaa tugu (transfers) GTQR/GamQR la
- Alaadiolu saraa
- Airtime/CashPower san
- ATM cardless ni POS baaraa
- Kontoo la karoo (statements)
App be jamaa laaraa la, nka jamaa be a laaraa ka a la baaraa la, nka diiɲɛya la baaraa be wuli fo fo. App be wuli 50,000+ downloads Google Play la, a la rating be wuli la.
Biiyaata Musuwoolu Laaraa ni Naafalu
I be se ka biiyaata musuwoolu laaraa GTWorld app la, Internet Banking (GAPS) la, wala banki la ɲɛɛbonyaolu la (15 branches). Naafalu ye:
- Alaa laa la baaraa la (ID, proof of address)
- BVN/mobile number linkage (o be wuli Gambiyaa la naafalu la)
- OTP ni PIN setup diiɲɛya jaliyaa la
Biiyaata musuwoolu be wuli saraa la, baaraa la, ni banki la jaliyaa la. Biiyaata musuwoolu be kemaa GT Bank kontoo la, banki tugu kontoo la, Mobile Money la, wala Cash la banki la ɲɛɛbonyaolu la.
Banki La Laaraa ni Alaadiolu
GT Bank Gambia ye banki ye, a be wuli Central Bank of The Gambia la. A be baaraa la Financial Services Act la, a ye Gambian Bankers Association la member ye. Banki be AML/CFT policies la baaraa la, ka a la baaraa laala jamaa la. A la alaadiolu be faa jamaa la, a be jamaa la jaliyaa la baaraa la, a be data privacy la baaraa la.
Jamaa La Karoo ni Banki La Baaraa
GT Bank Gambia ye banki bonyaata ye Gambiyaa la, a be top five banks la. A be wuli diiɲɛya jaliyaa la ni baaraa la. Jamaa la karoo be wuli la, mobile app la baaraa be wuli fo fo, nka banki la ɲɛɛbonyaolu la baaraa bonyaata ye.
Biiyaata Musuwoolu Kammaa Laaraa ni Banki Tuguolu
GT Bank Gambia la banki tuguolu ye Access Bank Gambia, Ecobank Gambia, Standard Chartered Gambia, ni Trust Bank ye. GT Bank be wuli diiɲɛya jaliyaa la ni jaliyaa konkoolu la, minnu be wuli multi-currency products la.
Biiyaata Musuwoolu Kammaa Laaraa
Ni i ye jamaa ye, min be a laaraa ka biiyaata musuwoolu laaraa GT Bank Gambia la, ni ye laaraa ye:
- Jateyaraa ni baaraa la: I be a laaraa ka biiyaata musuwoolu la jateyaraa ni baaraa laala ɲuma. I be a laaraa ka kammaa saralaa, alaadiolu, ni saraa timoo laala ɲuma.
- Saraa timoo: I be a laaraa ka saraa timoo la. O be i la credit score la baaraa la.
- Banki la jaliyaa: I be a laaraa ka banki la jaliyaa ɲuma la. O be i la baaraa la, ni i ye biiyaata musuwoolu tugu laala.
- Naafalu laala: I be a laaraa ka naafalu laala ɲuma, i n'a fɔ ID, saraa slips, ni adreesi.
- Kammaa saralaa laala: I be a laaraa ka kammaa saralaa laala banki tuguolu la, ka a laala, min ye ɲuma ye i kammaa.
Banki La Baaraa ni Jamaa La Jaliyaa
GT Bank Gambia be baaraa la ka jamaa la jaliyaa ɲuma la. A be dedicated hotline, in-app chat, ni email support jate. A la baaraa resolution time ye 48 hours ye. Banki be baaraa la MSME LPO financing la, ka local suppliers la baaraa la. A be salary advance facility la baaraa la, ka public-sector staff la cash flow la baaraa la.
Banki la loan portfolio size ye GMD 1.2 billion ye (2024 estimate). Non-performing loan ratio ye 3.5% ye. Banki be baaraa la delinquency management la credit insurance ni salary deprivation la. A be Enterprise Risk Management framework la baaraa la, ka a la baaraa laala Group policies la.
