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Trust Bank Gambia Limited

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  Contact Address Details:

 Trust Bank Gambia Co. Ltd.

Banjul Head Office
P.O. Box 1018, Banjul
3/4 ECOWAS Avenue
The Gambia, West Africa

Tel no:+220  4225777
Fax:              4225781

Telex:           GV 2382


Branches in Gambia:
with ATMs
• Bakau:
Sait Matty Road
Tel:  449 5486
Fax: 449 6229

• Banjul International Airport
Tel:  4472915
Fax: 4472916

• Bakoteh
Tipper Garage
Tel:  4466378
Fax: 4466373

• Basse Santa-Su
Upper River Division
Tel / Fax :  5668907

• Brikama:
Western Region
Tel :  4483418
Fax:  4483439

• Farafenni:
North Bank Region
Tel :  5735238
Fax:  5735007

• Kololi / Senegambia
Wilmon Company Building
Bertil Harding Highway
Tel : 4465303
Fax: 4465304

• Latrikunda:
Tel / Fax: 4391780

• Serrekunda:
Sayerr Jobe Avenue
Saho Kunda
Tel:  4374076
Fax: 4374075

• Serrekunda:
Westfield Junction
Tel:  4398042
Fax: 4398039

• Soma
(Lower River Region)
Tel:  5531629
Fax: 5531636

Private Loans:
Should you need money to cover an unexpected expense or to make a major purchase or investment, Trust Bank have a range of options for borrowing customers.

Business Loans:
Finance for businesses or individuals. Repayment is by a fixed periodic instalment over an agreed period of time. Highly competitive interest rates. They offer mortgage finance through their sister company, Home Finance Corporation.

International Correspondent Banks:
Royal Bank of Canada

HSBC in London, New York, USA

Skandinaviska Ensklilda
Stockholm, Sweden

Bank Brussels Lambert

Den Norske Bank

Commerz Bank
Frankfurt, Germany

Bruxelles, Belgium

Den Danske
Copenhagen, Denmark

Unicredito Italiano Internatonal
Milan, Italy

ING Bank
Amsterdam, Netherlands.

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Trust Bank was incorporated in July 1997 and currently has 13 branches & employs approximately 238 people. TBL took over the Meridian Biao (Gambia) which had a big presence in English speaking Africa. It was listed on the Ghana Stock Exchange in November 2002.


The major shareholders of the bank are Social Security & Housing Finance Corporation, DataBank of Ghana and other prominent Gambian institutions and individuals.

In the year 2006, Global Finance awarded Trust Bank Ltd, Best Bank, The Gambia.

In the years of 2003, 2004 and 2005, The Banker Magazine, a subsidiary of the Financial times, awarded Trust Bank Ltd, The bank of the year for The Gambia.

On the home front, The Gambia Chamber of Commerce awarded it The Bank of the year consecutively in 2003 and 2004.

Their mission is to be the leading bank in The Gambia by operating a profitable banking institution, which meets the needs of all local, international, corporate and individual clients and returns excellent results to our shareholders.

To achieve this, they continue to set new standards by delivering quality services and innovative products with an inspired team dedicated to serving their customers, environment and community at large.

Internet Banking Services:
Once you've registered with Trust Bank Online Banking you can simply call up your accounts using your user name password, and carry out a number of financial transaction as if you were at your branch.

• Check account balances & historic transactions

• Transfer Funds between your accounts

• Print Statements

• Pay utility bills

• Stop cheques

• Initiate Fixed Deposit

• View Term Deposit

In an effort to make banking more convenient and efficient for its customers it introduced an SMS banking service in the country.

Customers are a 4 PIN number to access the service. These numbers can be changed as and when they wish and it is specific to their mobile numbers, their account number and mobile operator.

On Tuesday the 14th of April, 2009, its shareholder authorised the transfer of up to D90 million from the bank’s statutory reserve account to stated capital over the next one year in order to increase its stated capital to the minimum of D150 million as prescribed by the Central Bank.

Financials Highlights:
In 2008 Trust Bank Gambia Ltd. saw an annual net profit margin of 30.27% with an operating margin of 44.69%. Their Return on average assets of and their Return on average equity of 41.91%. It recorded a 146% after tax operating profit of D99,800,000 in 2008.

This compares to its 65% drop in post-tax profit recorded in 2007.


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