Guaranty Trust Holding Company has released its audited financial results for the year ended December 31, 2025, reporting a profit after tax of ₦865.75 billion and declaring a dividend of N12.76k for shareholders.
The group disclosed the figures in a statement submitted to the Nigerian Exchange Group and the London Stock Exchange, noting that profit before tax stood at ₦1.23 trillion for the period under review.
According to the company, the strong performance was driven by growth in core earnings, with interest income and fee income rising year on year by 23.2 percent and 25.9 percent respectively.
The group explained that the 2025 result builds on its performance in 2024 when it recorded a profit of ₦1.27 trillion, partly boosted by significant fair value gains which did not recur in the current year.
It added that the decline in profit after tax compared to ₦1.02 trillion recorded in 2024 was largely due to recent fiscal policy adjustments affecting the taxation of investment securities, including withholding tax on short term instruments.
Despite this, the company noted that its underlying earnings remain strong when adjusted for these policy changes, supported by steady growth in core operating income.
The group maintained that its balance sheet remains well structured and diversified across its banking operations, as well as its payments, pension, and funds management businesses.
Total assets closed at ₦17.8 trillion, while shareholders’ funds stood at ₦3.4 trillion at the end of the financial year.
The Capital Adequacy Ratio remained strong at 43.8 percent, while asset quality improved with IFRS 9 Stage 3 Loans declining to 3.4 percent at the bank level and 5.0 percent at the group level.
Cost of risk also improved to 2.2 percent from 4.9 percent recorded in December 2024, indicating better credit risk management.
The group’s loan book recorded a 12.4 percent growth, rising from ₦2.79 trillion in December 2024 to ₦3.13 trillion in December 2025. Deposit liabilities also grew by 23.8 percent, increasing from ₦10.40 trillion to ₦12.87 trillion within the same period.
Commenting on the performance, the Group Chief Executive Officer, Segun Agbaje, said the results reflect the resilience of the company’s earnings capacity.
“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,” he said.
The company also reported strong financial ratios, including a post tax return on equity of 28.3 percent, return on assets of 5.3 percent, and a cost to income ratio of 27.9 percent, reinforcing its position among leading financial institutions in Nigeria.
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