Guaranty Trust Holding Company Plc has posted profit before tax of N1.23 trillion in its 2025 operations, against N1.27 trillion achieved in the corresponding period in 2024.

In its audited donsolidated and separate financial statements for the year ended December 31, 2025, to the Nigerian Exchange Group (NGX) and London Stock Exchange (LSE),the bank

The group’s interest income and fee income increased y-o-y by 23.2 per cent and 25.9 per cent, respectively while 2025 profit after stood at N865.75billion, down from N1.02trillion recorded in 2024. According to the bank, the profit after tax reflects the impact of recent fiscal policy adjustments to the taxation of investment securities, notably withholding tax on short-term instruments. However, when normalised for this effect, underlying earnings remain robust, driven by growth in core operating income.

The group continues to maintain a well-structured, healthy, and diversified balance sheet in all the jurisdictions wherein it operates a Banking franchise, as well as across its Payments, Pension and Funds Management business verticals.

It’s total assets and shareholders’ funds closed at N17.8trillion and N3.4trillion, respectively. Capital Adequacy Ratio (CAR) remained very robust and strong, closing at 43.8 per cent, likewise asset quality improved as evidenced by IFRS 9 Stage 3 Loans which closed at 3.4 per cent and 5.0 per cent at bank and Group level in FY-2025 (Bank, 3.5 per cent and group, 5.2 per cent in December 2024). Cost of Risk (COR) also improved to 2.2 pee cent from 4.9 per cent in December 2024.

In specific terms, the group’s loan book (net) grew by 12.4 per cent from N2.79trillion as of December 2024 to N3.13trillion in December 2025. Similarly, deposit liabilities grew by 23.8 per cent from N10.40 trillion to N12.87trillion during the same period.

Commenting on the results, the Group Chief Executive Officer of Guaranty Trust Holding Company Plc, Segun Agbaje, said: “Our 2025 result underscores the resilience and depth of our earnings capacity. Following a record 2024, which included significant fair value gains, our focus has been on strengthening the sustainability of our earnings by driving growth across our core banking and ecosystem businesses.

“The strength of our underlying earnings, despite a stronger Naira and tighter regulatory parameters, reflects the quality of our franchise and the discipline with which we execute our strategy. Importantly, this strong core earnings performance underpins our capacity to sustain and grow shareholder returns.”Our record dividend payout this year is not only a reflection of our current profitability but also of our confidence in the Group’s long-term earnings potential. Looking ahead, we remain focused on scaling our ecosystem, driving innovation across our financial services platform, and delivering consistent, high-quality earnings that support superior value creation for our shareholders.”

Overall, the group continues to post one of the best metrics in the Nigerian Financial Services Industry in terms of key financial ratios i.e., Post-Tax Return on Equity (ROAE) of 28.3 per cent, Post-Tax Return on Assets (ROAA) of 5.3 per cent, Capital Adequacy Ratio (CAR) of 43.8 per cent and Cost to Income Ratio of 27.9 per cent.