GTCO’s Quality Fund Management Capability Delivers Strong 2025 Half-Year Results
Guaranty Trust Holding Company (GTCO) has demonstrated exceptional financial performance in its 2025 half-year results, showcasing the effectiveness of its quality fund management capability. This capability is built on the foundation of profit maximization, while maintaining liquidity, solvency, and regulatory compliance.
GTCO’s asset base grew significantly to N16.69 trillion, with a diversified portfolio across loans and advances to customers (N3.36 trillion), investment securities (N4.79 trillion), and cash and bank balances (N4.79 trillion). The bank’s funding strategy is driven by a mix of deposits (N11.88 trillion), borrowings, and equity, ensuring a stable source of funding.
The bank’s gross earnings stood at N1.07 trillion, with net interest income of N632.24 billion, highlighting the bank’s ability to generate revenue from core lending and deposit-taking activities. GTCO’s cost-to-income ratio is approximately 43.6%, indicating relatively efficient cost management.
GTCO’s quality fund management capability has delivered impressive results in the 2025 half-year, with interest income increasing by 31.4% to N798.43 billion, driven by growth in loans and advances. Fee and commission income also grew by 33.0% to N151.46 billion, reflecting the bank’s diversified revenue streams. The bank’s net interest margin is approximately 4.3%, indicating better profitability from interest-earning assets.
Guaranty Trust Holding Company (GTCO) has demonstrated strong financial performance in its 2025 half-year results, showcasing its profitability, investors’ confidence, capital adequacy, asset quality, and liquidity ratios. The company’s pre-tax return on equity (ROAE) stood at 60.4%, indicating exceptional profitability and return on shareholders’ investment. The pre-tax return on assets (ROAA) was 10.6%, highlighting the company’s ability to generate revenue from its assets. Profit before tax (PBT) was N600.9 billion, driven by strong performance in core earning lines of interest income and fee income, which grew year-over-year by 31.5% and 33%, respectively.
GTCO’s investors’ confidence is reflected in its interim dividend of N1 per share for H1-2025 and market capitalization of N3.39 trillion. The company’s capital adequacy ratio (CAR) stood at 36.2%, indicating a robust and strong capital position, well above regulatory requirements. Total assets were N16.7 trillion, and shareholders’ funds closed at N3.0 trillion, demonstrating a well-structured and de-risked balance sheet.
The company’s asset quality has improved, with IFRS 9 Stage 3 loans at 3.2% at bank level and 4.5% at group level in H1-2025. The cost of risk (COR) improved to 1.7% from 4.9% in December 2024, reflecting effective risk management. GTCO’s liquidity position is strong, with deposit liabilities growing by 16.6% from N10.40 trillion to N12.13 trillion, and a net loan book growth of 20.5% from N2.79 trillion to N3.36 trillion.
GTCO’s efficiency ratios are impressive, with a cost-to-income ratio of 30.1%, indicating that the company spends approximately 30 kobo to generate N1 of income. The company’s continued investment in technology, particularly in core banking upgrades, has delivered stronger uptime, efficiency, and greater capacity to scale with a growing customer base. Overall, GTCO’s financial performance demonstrates its commitment to operational efficiency, cost management, and maximizing returns for its shareholders.
