GTCO Plc Releases 2025 Q3 Unaudited Outcomes

…….. Reviews Revenue Earlier than Tax of ₦900.8billion

 Guaranty Trust Holding Company Plc (“GTCO” or “the Group”) has launched its Unaudited Consolidated and Separate Monetary Statements as of September 30, 2025, to the Nigerian Alternate Group (NGX) and London Inventory Alternate (LSE).

The Group posted revenue earlier than tax of ₦900.8billion on the again of sturdy efficiency on the core earnings strains of curiosity earnings and price earnings which grew y-o-y by 25.6% and 16.8% respectively. The sturdy core-earning efficiency continued to slender the y-o-y dip in PBT to 26%, thereby cushioning the influence of the ₦523.2bn honest worth features recognised in Q3-2024, which didn’t recur in Q3-2025.

The Group recorded growths throughout all its Asset strains and continues to take care of a well-structured, wholesome liquid and diversified steadiness sheet in all of the jurisdictions whereby it operates a Banking franchise, in addition to throughout its Funds, Pension and Funds Administration enterprise verticals.

Group’s whole belongings and shareholders’ funds closed at ₦16.7trillion and ₦3.3trillion, respectively. Capital Adequacy Ratio (CAR) remained very strong and robust, closing at 36.5%, likewise asset high quality improved as evidenced by IFRS 9 Stage 3 Loans which closed at 3.3% and 4.4% % at Financial institution and Group stage in Q3-2025 (Financial institution 3.5%, Group 5.2% in December 2024). Price of Danger (COR) additionally improved to 2.2% from 4.9% in December 2024. In particular phrases, the Group’s mortgage ebook (web) grew by 16.5% from ₦2.79trillion as of December 2024 to ₦3.24trillion in September 2025. Equally, deposit liabilities grew by 16.0% from ₦10.40trillion to ₦12.06trillion throughout the identical interval.

Commenting on the outcomes, the Group Chief Government Officer of Guaranty Trust Holding Company Plc, Mr. Segun Agbaje, mentioned: “Our third quarter efficiency underscores the consistency and resilience of our enterprise mannequin, in addition to the continued energy of our diversified monetary companies ecosystem. We’re seeing regular, sustainable development throughout our banking and non-banking companies, supported by disciplined execution and a powerful concentrate on operational effectivity. The enhancements we now have made to our digital and funds infrastructure are enhancing buyer expertise, deepening engagement, and driving better integration throughout our ecosystem.”

He additional acknowledged: “Trying forward, our focus stays on advancing our aggressive edge by innovation, operational excellence, and a dedication to superior buyer outcomes. With a transparent development trajectory and robust organizational alignment, we’re well-positioned to maintain efficiency momentum and ship one other yr of industry-leading outcomes.”

Total, the Group continues to submit top-of-the-line metrics within the Nigerian Monetary Companies Trade when it comes to key monetary ratios i.e., Pre-Tax Return on Fairness (ROAE) of 39.5%, Pre-Tax Return on Property (ROAA) of seven.6%, Capital Adequacy Ratio (CAR) of 36.5% and Price to Revenue ratio of 28.8%.

Guaranty Trust Holding Company Plc is a number one monetary companies group with operations throughout Africa and the UK. Famend for its sturdy company governance, progressive monetary options, and customer-centric strategy, GTCO Plc supplies 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 growth throughout its markets