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The Guyana Bank for Trade and Industry Ltd. (GBTI) has enjoyed increased profits in 2009 over 2008, albeit significantly less than the $150M average increase in annual net profits that the bank has been recording since 2005.But for 2009,Wholesale Jerseys Online, GBTI will top out just short of the billion dollar mark and that was with a global economic downturn causing giant banks to collapse the world over.The cash resources show an increase of some $4.3B while their investments have dropped by almost $1.64B.The major cash sources for a bank are interest earnings especially on loans and advances,Cheap NFL Jerseys, however, GBTI only showed a $246M rise in loans and advances for the year 2009,Cheap Jerseys China, small when compared to the increased loan earnings of other members of the banking sector. Assets of property and equipment increased by almost $1.9B; of note is the fact that the corporation is in the midst of constructing their billion dollar headquarters in Kingston. All said the assets of GBTI grew by $4.6B over the one year period,Cheap Jerseys From China, taking into account new loans and investments,Cheap Jerseys For Wholesale, property and equipment and cash resources.The apparent ‘stability’ in the banking sector may provide some security to depositors in these times of economic uncertainty,Cheap NFL Football Jerseys, but contentions exist that the local banks are not exposed to as much risk as banks in other countries where the interest spreads are smaller as a result of state fiscal regulations.The major share of a bank’s earnings comes from the difference in interest received on loans and paid out on deposit items – the interest spread.