Trust Bank Gambia limited (TBL) the
‘Gambian bank’ has cut a niche for itself as the most successful bank in
The Gambia today. When the bank commenced operations in the country 14
years ago, it promised Gambians and even non-Gambians living in the
country that it would provide sound, convenient and reliable banking
services backed by remarkable corporate social responsibilities.
It
pledged to bring banking services to the door steps of its ever growing
customers across the country. Today, the bank has delivered on its
promises so much so that it has even gone beyond. TBL today employs
nearly 300 people 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. With its Head Office
located at 3-4 Ecowas Avenue Banjul, Trust Bank operates 13 branches
spread across the country.
The bank offers a wide range of
products and services that serves the needs of its individual and
corporate clientele. 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 its customers both home and abroad.
It
is not surprising that TBL has won the Gambia Chamber of Commerce and
Industry (GCCI) Bank of the Year award an impressive five times.
In
the words of Mr Dodou Nyang, marketing manager of the bank: “Trust
Bank has a unique and particular way of doing things and it is the wish
of every organisation around the world that when you have a vision,
people log on to that vision.
At Trust Bank, all what I can say
is that we have a vision, we have a unique way of doing business and we
are really grateful that the market has logged on to this particular
vision and the unique way that we do business.
"You can come and
propose a way of doing business but then people fail to notice it or
people fail to really accept your particular way of doing business. So
really we should be very gratified that the customers based in The
Gambia with all the choice that they have in front of them, have decided
that they are more in tune with Trust Bank’s way of doing business.
"We
have people who have been there during the transition, development and
metamorphosis of Gambian banking. We have people at Trust Bank who have
understanding of the banking industry.
We also have to accept
that Gambian banking has really developed in the last Fifteen years.
Trust Bank is unique that it is the envy of the banking industry in the
Gambia; that it has the people who have seen it all how banking was
years ago and how it has developed.
We give solutions to our
customers that are unique and specifically targeted to their needs; we
do it in a way that will always be very difficult for any bank to
replicate.”
He continued: “After 13 years of successful
operations, Trust Bank today stands out as a bank that contributed and
continues to contribute heavily in the areas of health, education and
sports.
In the area of youth and sports, the bank continued to
make donations to secondary school sports, U17 National Team, private
and public sector football tournaments as well as to the National Youth
Service Scheme [NYSS].
In the field of education, the bank
continues to award prizes to deserving students from secondary schools
as part of the Excellence in the Millennium Award Scheme and continued
to support the University of The Gambia [UTG].
The bank's
corporate social responsibility objective is to empower the nation
through building a stronger, healthier and educated populace.
In
spite of the stiff competition in the Gambian banking sector, Trust
Bank continues to record hefty profits in his operations, as explained
by Nyang:
"Our profit increased from D64.9 million to almost D70
million but most importantly, the amount of loan we have given and I
will tell you why this is important, the amount of loan that we have
given increased by almost D400 million.
It is important because
it shows you the unique way Trust Bank does its business. There are
banks in The Gambia who have actually given out fewer loans to their
customers last year than the previous years."
Cognizant of the
fact that we are in a hitech world, where individuals and businesses are
highly in need of stress-free and quick financial transactions, the
‘Gambian bank’ has made available for its customers a vast array of
banking services.
Nyang further explains: "We have introduced
many valued added services. In the area of products that we offer, we
have services like the online banking, the SMS banking, the trust alert,
the ten ATM machines that we have, which is by far the most ATM machine
that you can find from any banks in The Gambia.
“Our Online
Banking Service allows customers to get access to their account
information anytime and anywhere in the world. The service is geared
towards bringing banking to your door step thereby making it more
accessible to all our existing customers.
The Point Of Sale (POS) payment system is another service aimed at giving our esteemed customers value for their money.
This
service comes with a debit card called Quick Cash which is a highly
secured card that can be conveniently used to make payment for goods and
services received at various selected Supermarkets, Shops, Petrol
stations & Restaurants around the country.
This service comes
with a Point Of Sale Terminal which is an electronic device placed at
selected merchant locations used for verifying and processing our Quick
Cash debit card transaction.
The Point Of Sale service is an
ideal product for all Trust Bank customers. The debit card provides an
alternative payment method to cash when making a purchase and wherein
the funds are transferred directly from the customers or cardholders
account.
The debit card allows payments only on credit balances and approved overdraft facilities.
“We
also have our own Automated Teller Machines (ATM) at identified
locations around the country just for the convenience of our valued
customers.
This will allow our customers to make cash
withdrawals and also make enquiries on their accounts twenty four hours a
day and seven days a week.
The ATM machines are located in
Banjul, Bakau, Serrekunda, Kololi, Bakoteh, Bundung, Serrekunda Market,
Brikama, Kairaba Shopping Center and Latrikunda. With 10 ATM.
“There
is also our SMS BANKING Service which is a simple and easy to use
system that offers round the clock stress-free service to our esteemed
customers.
To get information from your account no longer
requires a phone call, queues or writing a letter; simply send an SMS to
get access to any information of your choice.
The SMS service enables you to do the following:
*Balance Enquiry: This will give you both the latest Ledger and the available balances on your account.
*Pin change: This will enable you to change the pin to a new one.
*Mobile Airtime Top up: You no longer need to rush for scratch cards. Just top up your phone anywhere for any amount.
*Cheque book request: This option will enable you to request for trust bank cheque book and pick it at your convenient time.
*Account
Statement request: This option will enable you to request for your
account statement anytime and just pick it from your branch.
*Exchange rates: This gives you the latest currency exchange rates for the five major currencies.
*Mini statement: This option returns the latest 5 transactions from your account.
*Account Funds transfer: This option enables you to transfer cash from one account to the other. This is between your accounts.
*Stop
cheque payment: This option allows you to instruct the bank to stop the
payment of a given cheque(s) in case you do not want them to be paid.”
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