Executive Summary Guaranty Trust Holding Company Plc (GTCO or “the Group”) released its unaudited financial statements for the nine months ended 30 September 2025 , demonstrating sustained growth in core banking operations despite a high base effect from 2024’s exceptional FX revaluation gains. The Group reported a profit before tax (PBT) of ₦900.8 billion , representing a 26% year-on-year decline from ₦1.22 trillion in 2024, primarily reflecting the non-recurrence of last year’s outsized foreign exchange gains.Read more
Key Takeaways Strategic capital raising and regional expansion initiatives are poised to enhance earnings growth through investment and market penetration. A diversified earnings base and improved loan portfolio offer stability and potential for enhanced profitability.Read more
Key Takeaways Strong capital position and agile balance sheet allow for accelerated loan growth, technology investment, and resilient earnings beyond current market expectations. Deep customer base and advanced payment capabilities uniquely position Guaranty Trust to dominate Africa's evolving digital payments and capture outsized growth in core banking revenue.Read more
Key Takeaways Digital disruption and changing consumer payment habits threaten core revenue streams and market dominance, raising risks to sustained growth and profitability. Exposure to regulatory instability, ESG pressures, and intensifying competitive landscape may limit funding access and strain asset quality, further endangering long-term returns.Read more
Guaranty Trust Holding Company Plc operates as a financial holding company for Guaranty Trust Bank Limited that provides commercial banking services in Nigeria, Ghana, Gambia, Sierra Leone, Liberia, Cote D'Ivoire, Kenya, Uganda, Rwanda, Tanzania, and the United Kingdom. It operates through six segments: Corporate Banking, Commercial Banking, Business Banking, Retail Banking, SME Banking, and Public Sector. The company offers current accounts, savings deposits, and investment savings products; overdrafts, loans, and other credit facilities; and foreign currency and derivative products. It also provides private banking and custody services, credit and debit cards, and consumer loans and mortgages. The company serves corporate customers and blue chips; mid-size and fledgling corporate customers; mid-size commercial customers; small and medium-size enterprises and ventures; and government ministries, departments, and agencies. Guaranty Trust Holding Company Plc was founded in 1990 and is headquartered in Lagos, Nigeria.