Guaranty Trust Holding Company Plc has announced its audited financial results for the year ended December 31, 2025, reporting a profit before tax of N1.23 trillion, supported by sustained growth in core income streams and improved performance across its business segments.
The Group disclosed that interest income rose by 23.2% year-on-year, while fee income increased by 25.9%, reflecting stronger activity within its banking and financial services operations. Profit after tax stood at N865.75 billion, compared to N1.02 trillion recorded in the previous year, a decline attributed to the absence of significant fair value gains that boosted the prior year’s earnings.
The company also reported total assets of N17.8 trillion and shareholders’ funds of N3.4 trillion, underscoring a solid and diversified balance sheet across its banking franchise and other verticals, including payments, pensions, and funds management.
Brandspur Banking News Desk notes that the Group maintained strong capital and risk metrics, with a Capital Adequacy Ratio of 43.8%, Cost of Risk improving to 2.2% from 4.9%, and non-performing loan indicators showing continued stability under IFRS 9 classifications.
GTCO’s loan portfolio expanded by 12.4% to N3.13 trillion, while customer deposits rose by 23.8% to N12.87 trillion, indicating continued confidence in the Group’s franchise and funding base across its operating markets.
Commenting on the results, Group Chief Executive Officer Segun Agbaje stated that the 2025 performance reflects the resilience of the Group’s underlying earnings, noting that growth was achieved despite macroeconomic adjustments and regulatory changes. He added that the Group’s focus remains on scaling its ecosystem, enhancing innovation, and sustaining long-term shareholder value.
The Group further highlighted its strong profitability ratios, including a post-tax return on equity of 28.3%, return on assets of 5.3%, and a cost-to-income ratio of 27.9%, positioning it among the top-performing financial institutions in the Nigerian financial services sector.
GTCO reaffirmed its commitment to delivering consistent returns, declaring a record dividend as part of its value creation strategy, while maintaining a disciplined approach to growth and capital management across its operations.
