GT Holding Company Declares Dividend Of N464.78 billion In 2025

Guaranty Trust Holding Company (GTCO) Plc has declared a total dividend of N464.78 billion for its financial year ended December 31, 2025.

The Company will be paying a final dividend of N11.76, having paid an interim dividend of N1.00 during the year, bringing the total dividend for the financial year ended December 31, 2025, to N12.76 as against N8.03 per share in 2024.

The Group reported profit before tax of N1.23 trillion underpinned by strong growth in core earnings, with interest income and fee income increasing y-o-y by 23.2 per cent and 25.9 per cent, respectively.

The Group’s 2025 profit after tax came in at N865.75billion against N1.02 trillion recorded in 2024. The profit after tax reflects the impact of recent fiscal policy adjustments to the taxation of investment securities, notably withholding tax on short-term instruments. However, when normalised for this effect, underlying earnings remain robust, driven by growth in core operating income.

Total assets and shareholders’ funds closed at N17.8 trillion and N3.4 trillion, respectively. Capital Adequacy Ratio (CAR) remained very robust and strong, closing at 43.8 per cent, likewise asset quality improved as evidenced by IFRS 9 Stage 3 Loans which closed at 3.4 per cent and 5.0 per cent at Bank and Group level in full year 2025. Cost of Risk (COR) also improved to 2.2 per cent from 4.9 per cent in December 2024.

In specific terms, the Group’s loan book grew by 12.4 per cent from N2.79 trillion as of December 2024 to N3.13 trillion in December 2025. Similarly, deposit liabilities grew by 23.8 per cent from N10.40 trillion to N12.87 trillion during the same period.

Speaking on the results, the Group chief executive officer of GTCO, Mr. Segun Agbaje, said, “our 2025 result underscores the resilience and depth of our earnings capacity. Following a record 2024, which included significant fair value gains, our focus has been on strengthening the sustainability of our earnings by driving growth across our core banking and ecosystem businesses.”

He stated that “the strength of our underlying earnings, despite a stronger Naira and tighter regulatory parameters, reflects the quality of our franchise and the discipline with which we execute our strategy. Importantly, this strong core earnings performance underpins our capacity to sustain and grow shareholder returns.

“Our record dividend payout this year is not only a reflection of our current profitability but also of our confidence in the Group’s long-term earnings potential. Looking ahead, we remain focused on scaling our ecosystem, driving innovation across our financial services platform, and delivering consistent, high-quality earnings that support superior value creation for our shareholders.”

Overall, the Group continues to post one of the best metrics in the Nigerian Financial Services Industry in terms of key financial ratios, Post-Tax Return on Equity (ROAE) of 28.3 per cent, Post-Tax Return on Assets (ROAA) of 5.3 per cent, Capital Adequacy Ratio (CAR) of 43.8 per cent and Cost to Income Ratio of 27.9 per cent.