Guaranty Trust Holding Company (GTCO) investor relations material

Executive summary

• 9M 2026 profit for the period was N614,571,977 thousand, down from N699,641,534 thousand YoY; profit attributable to equity holders was N605,996,433 thousand.

• Total assets reached N18,374,141,170 thousand at 30 September 2026, compared with N17,761,152,255 thousand at December 2025.

Financial highlights

• 9M interest income was N1,291,882,129 thousand versus N1,230,868,458 thousand; interest expense rose to N355,998,872 thousand from N278,727,978 thousand.

• Net interest income was N935,883,257 thousand versus N952,140,480 thousand; loan impairment charges were N29,024,344 thousand versus N69,791,136 thousand.

• Fee and commission income was N213,548,188 thousand versus N210,496,158 thousand; net trading gains were N79,634,000 thousand versus N77,212,908 thousand.

• 9M profit before income tax was N879,896,811 thousand versus N900,804,268 thousand; income tax expense increased to N265,324,834 thousand from N201,162,734 thousand.

• Q3 profit for the period was N200,386,095 thousand versus N250,630,512 thousand YoY; Q3 profit before tax was N276,863,209 thousand versus N299,903,111 thousand.

Segment performance

• GT Bank Nigeria recorded 9M profit before tax of N652,665,441 thousand and profit after tax of N480,889,886 thousand.

• GT Bank Ghana recorded 9M profit before tax of N173,710,828 thousand and profit after tax of N112,912,177 thousand.