Guaranty Trust Holding Company Plc, GTCO has released its audited financial results for the year ended December 31, 2025, reporting strong core earnings growth and declaring a record dividend payout to shareholders.
The Group posted a profit before tax of ₦1.23 trillion, driven by increases in interest income and fee income, which rose by 23.2 per cent and 25.9 per cent year-on-year respectively.
Profit after tax stood at ₦865.75 billion, compared to ₦1.02 trillion recorded in 2024. The decline was attributed to the absence of significant fair value gains recorded in the previous year, as well as the impact of recent fiscal policy changes, including withholding tax on short-term investment instruments.
Despite this, the Group maintained strong underlying earnings performance, supported by growth in core operating income.
GTCO also reported a solid balance sheet, with total assets closing at ₦17.8 trillion and shareholders’ funds at ₦3.4 trillion. Its loan book grew by 12.4 per cent to ₦3.13 trillion, while deposit liabilities rose by 23.8 per cent to ₦12.87 trillion.
Key performance indicators remained robust, with Capital Adequacy Ratio at 43.8 per cent, Cost of Risk improving to 2.2 per cent from 4.9 per cent in 2024, and non-performing loans declining, reflecting improved asset quality.
Commenting on the results, the Group Chief Executive Officer, Segun Agbaje, said the performance demonstrates the resilience of the Group’s earnings capacity.
“Our 2025 result underscores the strength and sustainability of our earnings. Following a record 2024, our focus has been on strengthening core income streams across our banking and ecosystem businesses. This performance supports our ability to deliver consistent shareholder returns,” he said.
He added that the Group’s record dividend payout reflects both current profitability and confidence in its long-term growth potential.
GTCO continues to rank among the top performers in Nigeria’s financial services sector, posting strong returns with a post-tax return on equity of 28.3 per cent and return on assets of 5.3 per cent, alongside a cost-to-income ratio of 27.9 per cent.
The financial services group, which operates across Africa and the United Kingdom, said it remains focused on expanding its ecosystem, driving innovation, and delivering sustained value to stakeholders.
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