Guaranty Trust Holding Company Plc (“GTCO” or the “Group”) has launched its Audited Consolidated and Separate Financial Statements for the interval ended June 30, 2025, to the Nigerian Exchange Group (NGX) and London Stock Exchange (LSE).
The Group recorded revenue earlier than tax of ₦600.9billion on the again of sturdy efficiency on core incomes traces of curiosity earnings and price earnings, which grew y-o-y by 31.5% and 33.0%, respectively. The sturdy core-earning efficiency doused the influence of the ₦493.01bn honest worth positive factors recognised in H1-2024 which didn’t recur in H1-2025, thereby narrowing y-o-y dip in PBT to 40%.
The Group recorded development throughout all its asset traces and continues to keep up a well-structured, de-risked, and diversified steadiness sheet in all of the jurisdictions whereby it operates a Banking franchise, in addition to throughout its Payments, Pension and Funds Management enterprise verticals. Total belongings and shareholders’ funds closed at ₦16.7trillion and ₦3.0trillion, respectively. Capital Adequacy Ratio (CAR) remained very strong and robust, closing at 36.2%. Asset high quality additionally improved as evidenced by IFRS 9 Stage 3 Loans which closed at 3.2% at Bank degree and 4.5% % at Group in H1-2025 (Bank -3.5% (Group- 5.2% in December 2024) and Cost of Risk (COR) improved to 1.7% from 4.9% in December 2024.
In particular time period, the Group’s mortgage guide (web) grew by 20.5% from ₦2.79trillion place of December 2024 to ₦3.36trillion in June 2025. Similarly, deposit liabilities grew by 16.6% from ₦10.40trillion to ₦12.13trillion throughout the identical interval. The Board accredited an interim dividend of ₦1.00 per share for H1-2025.
Commenting on the outcomes, the Group Chief Executive Officer of Guaranty Trust Holding Company Plc, Mr. Segun Agbaje, stated: “Our half year performance reflects the strength of our core business and the progress we are making in building a truly diversified financial services ecosystem. Beyond the extraordinary one-off gains of last year, we are now driving sustainable growth with recurring earnings that highlight the resilience and scalability of our model. A key driver of this momentum is our continued investment in technology, particularly the comprehensive upgrade of our core banking systems, which is already delivering stronger uptime, greater efficiency, and increased capacity to scale as our customer base grows.”
He added: “Across Banking, Funds Management, Pension, and Payments, we are leveraging a fully de-risked balance sheet to reinforce our market position while maintaining strategic flexibility for growth. This foundation positions us to take advantage of emerging opportunities and deliver lasting value for all stakeholders.”
Overall, the Group continues to publish probably the greatest metrics within the Nigerian Financial Services business by way of key {financial} ratios i.e., Pre-Tax Return on Equity (ROAE) of 60.4%, Pre-Tax Return on Assets (ROAA) of 10.6%, Capital Adequacy Ratio (CAR) of 36.2% and Cost to Income ratio of 30.1%.
Guaranty Trust Holding Company Plc (GTCO Plc) is a number one {financial} companies group with operations throughout Africa and the United Kingdom. Renowned for its sturdy company governance, progressive {financial} options, and customer-centric strategy, GTCO Plc offers a variety of banking and non-banking companies together with funds, funds administration, and pension fund administration. The Group is dedicated to delivering long-term worth to stakeholders whereas driving development and improvement throughout its markets.
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