• Country
    • Gambia

Corporate Sectors

Trading and General Commerce

From general trading, to import and export, the Commercial Banking Division supports trading and commercial activities in various sectors such as automobiles, commodities, textiles, electronics and household items. We provide a wide range of customized solutions to meet the specific needs and business dynamics of each sector.

In addition, we offer solutions that support our clients’ entire value chain and simplify customer’s businesses. From distributor financing, trade finance, and cash management, our products and services support the entire trade circle at every stage.

With a dedicated team of Relationship Managers with specialized expertise and industry knowledge fostered towards understanding and customizing solutions that will exceed the expectations of our esteemed clients.

Our products offerings include

  • Working capital and trade cycle finance
  • Import Finance lines
  • Distributor and vendor finance

Financial Institution

We provide excellent Relationship Management Services and Financial Products to meet the needs of institutional players in the insurance companies, foreign exchange bureau, banks, microfinance institutions and other non-bank finance companies. By nurturing strong relationships with these clients, our Relationship Managers develop a deep understanding of their unique business needs and deliver tailored financial products and advisory services to meet their identified needs timely.

We also focus on developing long term relationships by providing innovative value added solutions and correspondent banking services to our wide array of clients.


The hospitality industry is a broad category of fields within the service industry that includes lodging, restaurants, event planning, transportation, and additional fields within the tourism industry. Our focus is driven towards supporting sustainable growth for our clients in key sectors such as Hotels, Travel & Tourism, Medical & Health care, Religious Organizations, Supermarkets and Stores, Restaurants and Bars etc. We offer:

  • Tailored product offering with focus on sectors with critical mass e.g. religious organizations



Since the issuance of the first Global System for Mobile Communications (‘GSM’) license to Gamcel in 2001, the growth of the Gambian telecommunications market has been impressive. As with the rest of Africa, The Gambia has experienced explosive growth in the mobile market since its introduction in 2001 with an approximate rise of 165.8% subscribers between 2001 and 2005

The GSM market today has developed into a 4 player market with the beginning of operations by Qcell in 2009. The table below shows the operators and their current service systems.

Name Start of Operation
Gamcel 2000
Africell Gambia Ltd 2001
Comium Gambia Ltd 2007
QCELL Limited 2009


Gamtel, the parent company to Gamcel is a substitute to the GSM companies as it provides a fixed telephony service. While the backbone and infrastructure has been upgraded significantly in recent years, the waiting time for the installation of fixed lines is still typically 4 to 6 years. This provides the mobile network operators, a tremendous opportunity for growth.


Contractors & Construction

Our client focus is tailored towards construction and general contracting with value added support to contractors that provide services to public and private corporations. We provide short term intervention and long term funding as well as advisory services based on our industry expertise. Our relationship managers cater to the specialized needs of each of the segments associated with construction and contracting with an integrated value chain structure providing significant cost savings and increased business turn around.


Public Sector

Our offerings focus on relationships with Government ministries and Non-Governmental Organizations, parastatals and agencies. We run a specialized Public Sector Group that anchors relationships with the government.