Guaranty Trust Holding Company Plc (GTCO ) has posted a profit before tax (PBT) of N900.8 billion for the third quarter (Q3) financial year ended September 30, 2025.

According to the bank’s unaudited Consolidated and Separate Financial Statements as of September 30, 2025, to the Nigerian Exchange Group (NGX) and London Stock Exchange (LSE), the Group posted profit before tax of N900.8billion on the back of strong performance on the core earnings lines of interest income and fee income which grew y-o-y by 25.6 per cent and 16.8 per cent respectively.

The bank said the strong core-earning performance continued to narrow the y-o-y dip in PBT to 26 per cent, thereby cushioning the impact of the N523.2 billion fair value gains recognised in Q3, 2024, which did not recur in Q3, 2025.

The Group recorded growths across all its asset lines and continues to maintain a well-structured, healthy liquid 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.

The group’s total assets and shareholders’ funds closed at N16.7 trillion and N3.3 trillion, respectively. Capital Adequacy Ratio (CAR) remained very robust and strong, closing at 36.5 per cent, likewise asset quality improved as evidenced by IFRS 9 Stage 3 Loans which closed at 3.3 per cent and 4.4 per cent at bank and Group level in Q3-2025 (Bank 3.5 per cent, Group 5.2 per cent in December 2024).

Cost of Risk (COR) also improved to 2.2 per cent from 4.9 per cent in December 2024. In specific terms, the group’s loan book (net) grew by 16.5 per cent from N2.79 trillion as of December 2024 to N3.24 trillion in September 2025. Similarly, deposit liabilities grew by 16.0 per cent t from N10.40 trillion to N12.06 trillion during the same period.

Commenting on the results, the Group Chief Executive Officer, Segun Agbaje noted that the third-quarter performance reflects the consistency and resilience of the company’s business model, along with the enduring strength of its diversified financial services ecosystem. He explained that both banking and non-banking operations continue to record steady, sustainable growth, driven by disciplined execution and a strong focus on operational efficiency.

According to him, recent improvements to the digital and payments infrastructure are enhancing customer experience, deepening engagement, and strengthening integration across the ecosystem.

Looking ahead, Agbaje emphasised that the company remains focused on advancing its competitive advantage through innovation, operational excellence, and a commitment to delivering superior customer outcomes.
With a clear growth trajectory and strong organisational alignment, he said the business is well-positioned to sustain its momentum and deliver another year of industry-leading results.