Guyana Bank for Trade and Industry Limited

What Guyana Bank for Trade and Industry Limited does

Guyana Bank for Trade and Industry Limited (GBTI) is Guyana's oldest continuously operating indigenous commercial bank, founded in 1836 and headquartered in Georgetown. The bank operates 12 branches nationwide — including the only financial-services presence in several hinterland and indigenous regions (Port Kaituma, Lethem, Bartica) — supported by 20+ ATM Money Zones and 235 Point-of-Sale terminals. Its customer base spans retail individuals, SMEs, large corporates, agricultural producers (rice, poultry, aquaculture, livestock, cane), exporters/importers, and indigenous communities across the Rupununi, Essequibo Coast, and Pomeroon River areas.

GBTI delivers a full-service commercial banking offering across deposit products (savings, chequing, term deposits, special investment accounts), a diversified lending book (housing, personal, auto, corporate, agricultural, manufacturing, rice farming, trading & services, green/sustainable, and US dollar loans), card products on the Visa and Mastercard networks (including Visa Gold/Classic, Mastercard Black & Gold, and the Kaieteur Classic Debit Card), and ancillary services such as payroll processing, bonds and guarantees, night deposits, safe deposit boxes, overdrafts, mutual funds, and foreign trade (cambio, letters of credit, foreign currency accounts, correspondent banking). Its proprietary GO Banking platform provides 24/7 online and mobile access for transfers, bill payments, card management, peer-to-peer payments, standing instructions, and corporate file upload (CSV/XLS/XLSX/TXT) for bulk payroll processing with maker/checker controls.

Revenue is generated primarily through net interest income from the lending book (housing mortgages starting at 3% from May 2026, plus secured and unsecured consumer and corporate loans) and non-interest income from account fees, card transactions, ATM/POS interchange, foreign exchange (cambio), bonds and guarantees, mutual fund distribution, and correspondent-banking-mediated trade finance. The bank operates a correspondent network spanning Crown Agents Bank, BNY Mellon, Bank of Montreal, RBTT, First Caribbean International Bank, and Citibank, which underwrites its USD/CAD/GBP/EUR trade flows. Distribution is hybrid: physical branches and relationship managers for SME/corporate acquisition, GO Banking for self-serve retail and corporate digital banking, and an IDB Invest co-lending partnership (signed February 2024) for structured corporate financing.

Name

Guyana Bank for Trade and Industry Limited

Legal name

Guyana Bank for Trade & Industry Limited

Website

https://gbtibank.com

Company type

Private

Founded year

1836

Operating status

Operating

Headcount range

251–500 employees

Short description

Guyana Bank for Trade and Industry (GBTI) is Guyana's oldest indigenous commercial bank, offering deposit, lending, card, foreign trade, and digital banking (GO Banking) services through 12 branches, 20+ ATMs, and 235 POS terminals nationwide, serving retail, SME, corporate, agricultural, and hinterland customers.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

Keywords

• Commercial banking services
• Retail banking
• Corporate lending
• Foreign trade services
• Digital banking platform

Headquarters

HQ city

Georgetown

HQ country

Guyana

Offices13 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D

Revenue model

1. Net Interest Income: GBTI earns interest income from its lending portfolio including housing loans, personal loans, auto loans, business loans, agricultural loans, green loans, and US dollar loans. Interest rates on mortgages start from 3% effective May 2026.
2. Non-Interest Income: Fees from account maintenance, cheque processing, transfers, ATM usage, point-of-sale transactions, night deposit services, safe deposit box rentals, foreign exchange (cambio), bonds and guarantees, and card transaction fees.
3. Foreign Trade Services: Revenue from foreign currency exchange (cambio), foreign drafts, letters of credit, bills of collection, and correspondent banking services for international business transactions.
4. Mutual Funds Management: GBTI offers mutual fund investment products, with prospectus documents available for 2023 and 2025, generating management and distribution fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core offering

Guyana Bank for Trade and Industry Limited (GBTI) is a commercial bank operating across Guyana that offers deposit accounts (savings and chequing), a wide range of lending products (housing, personal, auto, corporate, agricultural, manufacturing, rice farming, green, and US dollar loans), credit and debit cards on the Visa and Mastercard networks, foreign trade services (cambio, letters of credit, foreign currency accounts), mutual funds, payroll services, and 24/7 digital banking through its proprietary GO Banking platform. It serves retail consumers, businesses, exporters, agricultural producers, and indigenous communities through 12 branches, an ATM/POS network, and digital channels.

Product overview

GBTI operates as a diversified financial services institution offering a comprehensive suite of banking products and services organized across personal banking, business banking, lending, cards, foreign trade, and digital banking (GO Banking) divisions. The core platform consists of deposit accounts (savings and chequing) supplemented by specialized lending products including housing loans, personal loans, auto loans, and sector-specific business loans (corporate, agricultural, manufacturing, rice farming, trading, green/sustainable, and US dollar loans). Card products span Visa and Mastercard networks with credit cards, debit cards, and prepaid travel cards. The GO Banking digital platform serves as the primary online and mobile banking channel enabling account access, fund transfers, bill payments, credit card management, wire transfers, peer-to-peer payments, and standing instructions. Additional services include foreign trade (cambio, foreign currency accounts, letters of credit), mutual funds, bonds and guarantees, night deposits, overdrafts, safe deposit boxes, payroll processing, and utility bill payments. The recent May 2026 product launch introduced competitive mortgage rates starting at 3%.

Differentiator

Problem solved

Functional benefit

Brands

• GO Banking: Mobile and online banking platform offering 24/7 access to accounts, fund transfers, bill payments, and credit card management.
• Green Loans
• Kaieteur Classic Debit Card
• GBTI Mastercard Executive Business Credit Card

Products and services

• GO Banking

Quantifiable outcome

• Total Assets of $175B and Net Income after Tax of $2.3B in 2022
• +4 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core.

• Crown Agents Bank LimitedcoreTechnology or IntegrationCrown Agents Bank serves as a correspondent bank for GBTI across multiple currencies including USD, CAD, GBP, and Euro. Located in Sutton, Surrey, United Kingdom. SWIFT: CRASGB2L. This is a long-standing correspondent banking relationship facilitating international transactions.
• Bank of New York MelloncoreTechnology or IntegrationBank of New York Mellon (New York, USA) serves as GBTI's correspondent bank for US Dollar transactions. SWIFT: IRVTUS3N. ABA: 021000018.
• Bank of MontrealcoreTechnology or IntegrationBank of Montreal (Montreal, Canada) serves as correspondent bank for GBTI for Canadian Dollar transactions. A/C NO. 3144-4605-838. SWIFT: BOFMCAM2. Also serves as intermediary for Euro transactions.
• RBTT Bank LtdcoreTechnology or IntegrationRBTT Bank Ltd (Port of Spain, Trinidad) serves as GBTI's correspondent bank for USD transactions in the Caribbean region. SWIFT: RBTTTTPX.
• First Caribbean International BankcoreTechnology or IntegrationFirst Caribbean International Bank (Bridgetown, Barbados and Basseterre, St. Kitts — formerly Barclays Bank PLC) serves as GBTI's correspondent bank in the Eastern Caribbean. SWIFT: FC1BBBBB / FCIBKNSK.
• Citibank, N.A.coreTechnology or IntegrationCitibank, N.A. (388 Greenwich Street, New York, NY 10013) serves as GBTI's correspondent bank for US Dollar transactions. Account Number: 36505756. SWIFT: CITIUS33. ABA: 021000089.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Demerara Bank Limited: Another long-standing Guyana-headquartered commercial bank offering personal and corporate banking products (savings, chequing, loans, credit cards). Competes head-to-head with GBTI for retail and business customers across Georgetown and other branches.
• Republic Bank (Guyana) Limited: Subsidiary of Trinidad-based Republic Financial Holdings, providing personal and commercial banking including credit cards, mortgages, and corporate finance in Guyana. Directly competes with GBTI on retail accounts, lending, and corporate banking services.
• Citizens Bank Guyana Inc. Guyana-based commercial bank offering retail savings, chequing, loans, and foreign exchange services. Competes with GBTI for retail and SME banking customers in Georgetown and surrounding regions.
• National Cooperative Bank of Guyana (NCB): Local cooperative/commercial bank in Guyana providing savings, loans, and small-business financing. Overlaps with GBTI in retail and SME banking, especially in cooperative and rural customer segments.
• Scotiabank Guyana: Subsidiary of Bank of Nova Scotia, one of the largest commercial banks in Guyana offering personal, business, and wealth services. Competes directly with GBTI in retail deposits, lending, and cards while bringing international capital and product depth.

Regional players

• First Citizens Bank (Trinidad and Tobago): One of the largest commercial banks in Trinidad and the Caribbean, offering retail, corporate, and investment banking. Operates a different primary geography than GBTI but is comparable in product breadth and customer banking model.
• JMMB Group Limited: Jamaica-headquartered financial services group with banking, securities, and remittance operations across the Caribbean. Comparable as a regional retail and commercial banking competitor with cross-border money-transfer and FX capabilities similar to GBTI's foreign trade services.

Broad incumbents

• Republic Financial Holdings Limited: Parent of Republic Bank (Guyana) and a leading Caribbean financial services group with banking, insurance, and wealth management across the region. Comparable to GBTI through its commercial banking subsidiary, but operates at much larger regional scale and breadth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/GBTI_Bank

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Guyana Bank for Trade and Industry Limited