Guaranty Trust Holding Company Plc has recorded interest income of N1.622 trillion for the audited financial year ended December 31, 2025, representing a 22.8 per cent increase from N1.321 trillion recorded in the corresponding period of 2024.
The company also declared a dividend of N12.76 per share for the financial year 2025. Results released to the Nigerian Exchange (NGX) and London Stock Exchange showed that Profit Before Tax (PBT) declined marginally to N1.23 trillion from N1.266 trillion in 2024.
The Group’s 2025 profit after tax stood at N865.75 billion compared to N1.02 trillion recorded in 2024. 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 company stated that its performance reaffirms its capacity to generate sustainable earnings and builds on the momentum from 2024.
The Group continues to maintain a well-structured, healthy, and diversified balance sheet across all jurisdictions where it operates a banking franchise as well as in its Payments, Pension and Funds Management business verticals. Total assets closed at N17.8 trillion while shareholders’ funds stood at N3.4 trillion. Capital Adequacy Ratio (CAR) remained very robust at 43.8 percent. Asset quality improved as evidenced by IFRS 9 Stage 3 Loans which closed at 3.4 percent at Bank level and 5.0 percent at Group level in FY-2025 compared to 3.5 percent and 5.2 percent respectively in December 2024. Cost of Risk (COR) also improved significantly to 2.2 percent from 4.9 percent in December 2024.
In specific terms, the Group’s loan book (net) grew by 12.4 percent from N2.79 trillion as of December 2024 to N3.13 trillion in December 2025. Similarly, deposit liabilities grew by 23.8 percent from N10.40 trillion to N12.87 trillion during the same period.
Commenting on the results, the Group Chief Executive Officer of Guaranty Trust Holding Company Plc, Mr. 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.”
