GTCO Reports N1.23 Trillion Profit Before Tax for 2025

Guaranty Trust Holding Company (GTCO) released its audited consolidated financial results for the year ending December 31, 2025, reporting a profit before tax of N1.23 trillion. This result, announced on Tuesday, indicates a growth trend, with core earnings driven by a year-on-year increase in interest income and fee income of 23.2% and 25.9%, respectively.

The 2025 profit before tax reflects a decline from the N1.02 trillion recorded in 2024, influenced by recent fiscal policy adjustments affecting taxation on investment securities. However, underlying earnings remain robust, supported by a diversified balance sheet and a strong capital adequacy ratio of 43.8%.

Total assets and shareholder funds stood at N17.8 trillion and N3.4 trillion, respectively. Mr. Segun Agbaje, the Group Chief Executive Officer, emphasized the resilience and depth of earnings capacity, highlighting a focus on sustainable growth and innovation across financial service platforms.