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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
Guaranty Trust Holding Company (GTCO) investor relations material
Guaranty Trust Holding Company H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary24 Sep, 2025
Executive summary
Achieved ₦600.9bn profit before tax (PBT) in H1-2025, with consolidated financials prepared under IFRS and Nigerian regulations.
Core revenue growth across banking, fund management, pension, and payments, with operations spanning Nigeria, West/East Africa, and the UK.
Maintained strong market positioning, robust capital, and liquidity, supported by strong corporate governance and sustainability practices.
Digital banking and fintech platforms saw significant user and transaction growth, supporting financial inclusion.
Strong risk management and sustainability practices embedded across the Group.
Financial highlights
Total assets grew to ₦16.7trn (up 12.8% YoY); total deposits up to ₦12.1trn; gross loans up 19% to ₦3.47trn.
Net interest income rose 28.6% YoY; net fee and commission income up 33.7%.
Non-interest revenue contracted 66.4% due to an 88.7% drop in fair value and derivative gains.
Profit before tax: ₦600.9bn (H1 2025) vs ₦1.00trn (H1 2024); profit after tax: ₦449.0bn (H1 2025).
Earnings per share at ₦13.6; interim dividend of ₦1.00 per share declared.
Outlook and guidance
FY 2025 guidance targets continued strong PBT, deposit and loan growth, and robust capital and liquidity ratios.
Focus on digital innovation, ecosystem expansion, and operational efficiency.
Commitment to risk management, capital adequacy, and sustainable growth.
Strategic priorities include diversifying earnings, scaling through partnerships, and enhancing customer experience.
Ongoing digital transformation and expansion in financial inclusion and alternative delivery channels.
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Next Guaranty Trust Holding Company earnings date
Q3 202527 Oct, 2025
Next Guaranty Trust Holding Company earnings date
Q3 202527 Oct, 2025
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