Guaranty Trust Holding Company has reported solid financial performance for the year ended December 31, 2025, with profit reaching N1.23 trillion and interest income rising significantly.
The Group posted interest income of N1.622 trillion, representing a 22.8% increase from N1.321 trillion recorded in 2024. It also announced a final dividend of N12.76 per share, reinforcing its commitment to shareholder returns.
According to results filed on the Nigerian Exchange and the London Stock Exchange, profit before tax stood at N1.23 trillion, slightly lower than N1.266 trillion recorded in the previous year.
Profit after tax came in at N865.75 billion, compared to N1.02 trillion in 2024, reflecting the impact of new fiscal policies, particularly withholding tax on short-term investment securities. Despite this, the Group noted that its core earnings remained strong when adjusted for these effects.
GTCO maintained a robust and diversified balance sheet across its banking, payments, pension, and asset management businesses. Total assets rose to N17.8 trillion, while shareholders’ funds stood at N3.4 trillion.
The Group’s Capital Adequacy Ratio remained strong at 43.8%, while asset quality improved, with IFRS 9 Stage 3 loans declining to 3.4% at the bank level and 5.0% at the group level. Cost of Risk also dropped significantly to 2.2% from 4.9% in 2024.
Loan growth remained steady, with the net loan book increasing by 12.4% to N3.13 trillion, while deposit liabilities grew by 23.8% to N12.87 trillion.
Commenting on the performance, Group CEO Segun Agbaje said the results highlight the resilience of the Group’s earnings and its ability to sustain growth despite a tighter regulatory environment and currency pressures.
He added that the strong underlying performance supports the company’s record dividend payout and positions it for continued growth, driven by innovation and expansion across its financial services ecosystem.
