Gambia: Company Profile of TRUST BANK LTD.


Sector: Banking

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Trust Bank is a financial service provider and in so doing it offers a wide range of products and services that serves the needs of its individual and corporate clientele. Some of the products and services the bank offer include: Savings account, Current account, Time deposits, Treasury bills, Loans and Overdrafts, E-banking, Retail banking, corporate banking, and international banking among others. In the last few years the bank has invested significant amount of fund to leverage on superior technology to provide more access and convenience to our customers both home and abroad.

Trust Bank Limited started operations in The Gambia in October 1st 1997, employing more than 350 staff and a management team consisting of highly experienced Gambians who have a very strong knowledge of the banking industry. The shareholding is in the hands of institutional investors, both local and foreign, individuals and employees of the bank.

Its Head Office is located at 3-4 Ecowas Avenue Banjul, Trust Bank operates 17 branches countrywide and more plans for further expand especially to the urban areas. The bank offers a wide range of products and services that serves the needs of its individual and corporate clientele. It is a Gambian Bank and so it does business outside competition in a bid to satisfying the Gambian people.

As part of the commitment to the provision of quality service delivery to the customers and the entire community, Trust Bank contributes in no small measure to the Health sector, Education, Sports and Disaster Relief Management. Below is the outline of the bank’s intervention in those areas:

Health Sector:

The Sanatorium is a health facility that was built by the colonial masters outside the city of Banjul for people suffering from Tuberculoses (TB) with the view that they would easily transmit the disease to others if they live within the city. It was neglected and in a very bad state to the point that nobody wants to even go near this hospital. For this reason people went to the extent of having the belief that anyone suffering from TB and is sent to the Sanatorium would die because they would not have the attention they require as patients.

As a Gambian Bank and a bank that loves and cares for the welfare of its people Trust Bank intervened by refurbishing the entire hospital, constructed a new dining hall, laundry room, fixed the ground floor, built a mortuary, a mosque and perimeter fence at a tune of  over D15Million. In complementing its ongoing commitment to raising the standard of the hospital the bank also constructed a road linking Banjul – Serrekunda highway to the Sanatorium making it much more easier for ambulances and other vehicles to access the hospital at a cost of D2.7Million.

Trust Bank continues to extend its gesture to the Ministry of Health and Social Welfare and in doing so refurbished the clinic, painted the entire complex at a tune of D2Milliom.

Other beneficiaries of the benevolence to the health sector include the adaption of the Maternity Ward at the AFPRC hospital in Farafenni, a hospital that serves as the main referral hospital in the North Bank, Central River and Upper River Regions as well as the neighboring villages and towns in Senegal. Every year the bank spends over D150,00.00 to buy medical supplies which are used to uplift the standard of the ward.

Similar gestures were received by the following health facilities Gunjur health centre, Brikama health centre and Edward Francis Small Teaching Hospital which is the main referral hospital in the Gambia.


In the area of youth and sports, the bank continued to make donations to Senior Secondary school sports with the aim of developing sports from the grass root level, sponsor the Under 17 national football team, private and public sector football tournaments as well as to the National Youth Service Scheme. The bank also donates to the Gambia Cricket Association in both their national and international tournaments.


  • In recognition of the outstanding commitment and performance of students, the bank award prizes to deserving students from secondary schools as part of the Excellence in the Millennium Award Scheme
  • We also proudly sponsor prizes of students who perform extremely well in three different disciplines names: Physics, Chemistry and Development Studies at Senior Secondary School levels.
  • Trust Bank is also associated with the convocation committee of the University of The Gambia as we provide scholarships that should be given to deserving students.
  • The bank has also donated significantly towards the construction of a Science laboratory for Senior Secondary Schools in the Greater Banjul Area a project taken up by the Rotary Club of Banjul.

Disaster Relief Management:

In complement government effort every year the bank donates to the National Disaster Management Committee over D200, 000.00, which goes towards the management and support of people who are involved in natural calamity such as, flood, destruction of houses by heavy storm etc.

The bank’s corporate social responsibility objective is to empower the nation through building a strong, healthier and educated populace. Trust Bank spent far more that any of its competitors towards the social-economic development of the Gambia that continues to touch every Gambian either directly or indirectly.

The bank has recently rolled out their latest version and state of the earth Core Banking Application Flex cube 12.2 that will support more value added services. The new software will improve Customer Relationship Management and improve turnaround time.

As part of our ongoing projects Trust Bank Ltd signed a Memorandum of Understanding with The National Agricultural Land and Water Management Development Project (NEMA) in a joint collaborative effort support poor rural farmers in particular woman and youths. NEMA is an IFAD sponsored project whose primary aim is to support and further develop The Gambia Government’s priority to transform the prevailing largely fed production systems into more productive and sustainable market-oriented agricultural based on the smallholder. This project is meant to make funds readily available to farmers, which would have been very difficult through the normal banking system. It will help farmers do away from subsistence farming to mechanize farming. For the Bank, it will create new customer awareness and bring about opportunities in changing live through productive farming assets and to enhance standards of productivity and to large extend increasing net incomes; increase its client base earnings through its lending to the agricultural sector and increase output of rice and vegetables and will ensure food security requirements and ultimately, economic growth.

Since inception, Trust Bank made a pledge to its customers to bring banking to the doorstep of every Gambian. Today we are constructing two more branches making it 19 outlets. It will make us the Bank with the highest number of branches. This is unprecedented in the history of banking in this country.

The objective of the bank remains the same: to make this Bank a great place for the people to work, a great place for the esteemed customers to do business and provide a great return on the investment of the shareholders.

Trust Bank is poised to increase its branch network within the length and breathe of this country. This will give it the leverage to be able reach out to the customers in anywhere they are.

The bank wants to impact the lives of every Gambian either by giving out loans to expand their businesses or donating to individuals or organizations from its profits. 

Trust Bank has been involved in the acquisitions of subsidiaries and other equity investments for an inorganic growth to surpass staff, customer and shareholder expectations with such commitment under the leadership of the Central Bank of the Gambia in seeking alignment with international best practices.

Trust Bank has acquired Bayba Financial Service, which is the banks wholly owned subsidiary that is into their fourth year of operations.

The Bank also has a stake at the International Bank of Liberia and has acquired 10% investment in the Women’s World Banking Ghana Limited, which means that the bank is present in both Liberia and Ghana. This shows the commitment and the realization of expansion drive objective of bringing banking to the doorstep of the customers. It is therefore the board’s view that robust organic growth from the bank’s core banking activities alone will be challenging and that the bank will continue to work on strategic diversification into to enhance the earning capacity of the bank.