GTCO Posts ₦1.23trn PBT, Declares ₦12.76 Dividend for 2025

Guaranty Trust Holding Company Plc (GTCO) has released its audited financial results for the full year ended December 31, 2025, reporting a profit before tax (PBT) of ₦1.23 trillion and declaring a record dividend payout of ₦12.76 per share.
The financial results, submitted to the Nigerian Exchange Group (NGX) and the London Stock Exchange (LSE), showed strong growth in core earnings, with interest income rising by 23.2 per cent and fee income increasing by 25.9 per cent year-on-year.
Despite a decline in profit after tax (PAT) to ₦865.75 billion from ₦1.02 trillion recorded in 2024, the Group attributed the drop to recent fiscal policy changes, particularly the introduction of withholding tax on short-term investment securities. It noted that underlying earnings remained strong when adjusted for these impacts.
GTCO’s total assets stood at ₦17.8 trillion, while shareholders’ funds closed at ₦3.4 trillion, reflecting a solid and diversified balance sheet across its banking, payments, pension, and funds management businesses.
The Group also maintained strong asset quality, with IFRS 9 Stage 3 loans improving to 3.4 per cent at the bank level and 5.0 per cent at the group level. Cost of Risk declined significantly to 2.2 per cent from 4.9 per cent in the previous year.
Loan growth remained steady, with the Group’s net loan book rising by 12.4 per cent to ₦3.13 trillion, while deposit liabilities increased by 23.8 per cent to ₦12.87 trillion.
Speaking on the performance, the Group Chief Executive Officer, Segun Agbaje, said the 2025 results reflect the resilience of the Group’s earnings capacity despite tighter regulatory conditions and macroeconomic adjustments.
He noted that the record dividend payout demonstrates management’s confidence in the company’s long-term profitability and its commitment to delivering value to shareholders.
GTCO also sustained strong financial ratios, including a post-tax return on equity (ROAE) of 28.3 per cent, return on assets (ROAA) of 5.3 per cent, capital adequacy ratio (CAR) of 43.8 per cent, and a cost-to-income ratio of 27.9 per cent.
The Group continues to rank among the top performers in Nigeria’s financial services sector, driven by its focus on innovation, strong corporate governance, and expansion across Africa and the United Kingdom.