Guaranty Trust Holding Company Plc (GTCO) has posted an impressive ₦900.8 billion profit before tax (PBT) for the third quarter of 2025, reflecting robust growth in its core earnings. “This is on the back of strong performance on the core earnings lines of interest income and fee income which grew by 25.6 per cent and 16.8 per cent, respectively,” the bank said.
GTCO’s total assets rose to ₦16.7 trillion, while shareholders’ funds hit ₦3.3 trillion, underlining strong capitalization. The firm maintained a Capital Adequacy Ratio of 36.5 per cent, demonstrating its resilience amid fluctuating market conditions.
The group’s asset quality also improved, with non-performing loans falling to 3.3 per cent at the bank level and 4.4 per cent for the group. Its Cost of Risk declined to 2.2 per cent from 4.9 per cent in 2024, showing better credit management and loan recovery efficiency.
GTCO’s loan book expanded by 16.5 per cent, from ₦2.79 trillion to ₦3.24 trillion, while deposits grew by 16 per cent, reaching ₦12.06 trillion. This growth in loans and deposits reflects sustained confidence from customers and a growing demand for credit across key sectors.
Group CEO Segun Agbaje emphasized the strength of GTCO’s strategy, saying: “Our third quarter performance underscores the consistency and resilience of our business model, as well as the continued strength of our diversified financial services ecosystem.” He added that the bank’s digital and payments infrastructure improvements are “enhancing customer experience, deepening engagement, and driving greater integration across our ecosystem.”
Agbaje further noted that GTCO’s focus remains on innovation and customer satisfaction: “Looking ahead, our focus remains on advancing our competitive edge through innovation, operational excellence, and a commitment to superior customer outcomes.”
The group achieved one of the best financial metrics in Nigeria’s banking sector, with a Pre-Tax Return on Equity (ROAE) of 39.5 per cent, Return on Assets (ROAA) of 7.6 per cent, and Cost-to-Income ratio of 28.8 per cent. These figures confirm GTCO’s ability to generate high returns efficiently while maintaining financial discipline.
GTCO’s performance highlights the strength of its diversified operations across banking, payments, pensions, and funds management in Nigeria and other African markets. Its consistent profitability also reassures investors of the institution’s ability to navigate macroeconomic challenges such as inflation, currency volatility, and interest rate fluctuations.
GTCO’s ₦900.8 billion pre-tax profit underscores renewed optimism in Nigeria’s financial sector. Its rising interest and fee income mirror stronger business activity and consumer spending, suggesting increased liquidity in the economy. The performance reinforces investor confidence, promoting capital inflows and supporting Nigeria’s broader economic recovery trajectory.
