Guaranty Trust Holding Company Plc (GTCO) has reported a stellar profit before tax worth N1.23 trillion for the financial year ended December 31, 2025, underscoring resilient core earnings amid evolving fiscal dynamics. The financial powerhouse disclosed these audited results to the Nigerian Exchange Group and London Stock Exchange, revealing an interest income surging 23.2% year-on-year and a fee income climbing 25.9%.
Profit after tax settled at N865.75 billion, down from N1.02 trillion in 2024, primarily due to new withholding taxes on short-term investment securities. Yet, GTCO’s underlying operations shone through, with total assets ballooning to N17.8 trillion and shareholders’ funds reaching N3.4 trillion.
Key balance sheet metrics tell a growth story: net loans expanded 12.4% to N3.13 trillion from N2.79 trillion, while deposit liabilities jumped 23.8% to N12.87 trillion. Cost of risk halved to 2.2% from 4.9%, signaling superior risk management. GTCO delivered a post-tax return on equity of 28.3%, return on assets of 5.3%, and a lean cost-to-income ratio of 27.9%.
Operating across Africa and the UK, GTCO’s diversified portfolio in banking, payments, pension, and funds management positions it for sustained leadership. Shareholders stand to benefit from a proposed N12.76 per share dividend pending approval.
This milestone, industry watchers say positions GTCO as a financial titan, navigating policy shifts with operational excellence to drive value for stakeholders nationwide.
