Guaranty Trust Holding Company Plc

NGSE:GTCO Stock Report

Market Cap: ₦895.9b

Guaranty Trust Holding Balance Sheet Health

Financial Health criteria checks 5/6

Guaranty Trust Holding has total assets of NGN13,002.2B and total equity of NGN2,006.2B. Total deposits are NGN9,508.6B, and total loans are NGN3,023.6B.

Key information


Asset to equity ratio


Net interest margin

Total deposits


Loan to deposit ratio


Bad loans


Allowance for bad loans


Current ratio


Cash & equivalents


Recent financial health updates

No updates

Recent updates

Financial Position Analysis

Debt to Equity History and Analysis

Balance Sheet

Financial Institutions Analysis

Asset Level: GTCO's Assets to Equity ratio (6.5x) is low.

Allowance for Bad Loans: GTCO has a sufficient allowance for bad loans (416%).

Low Risk Liabilities: 86% of GTCO's liabilities are made up of primarily low risk sources of funding.

Loan Level: GTCO has an appropriate level of Loans to Assets ratio (23%).

Low Risk Deposits: GTCO's Loans to Deposits ratio (32%) is appropriate.

Level of Bad Loans: GTCO has a high level of bad loans (3.1%).

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