Why Shareholders, Others Are Giggling At GTCO Quarter 3 Results

Guaranty Trust Holding Company Plc (GTCO) has in its hands, Quarter 3, 2025 trading results likely to see shareholders and other stakeholders giggling.

The bank’s unaudited consolidated and separate financial statements as of September 30, 2025, sent to the Nigerian Exchange Group (NGX) and London Stock Exchange (LSE) showed that the Group recorded growths across all its Asset lines

The company reports a Profit Before Tax (PBT) value of N299.9 billion, up 39% Year-on-Year, YoY, amidst  gross earnings of N532 billion, up 15.5% YoY from N461 billion in Q3’24, for the three-month period

The group also recorded PBT of N900.8 billion in its nine months result.

This came on the back of strong performance on the core earnings lines of interest income and fee income which grew    Year on Year, Y-o-Y by 25.6% and 16.8% respectively.

The company’s results also show that strong core-earning performance have continued to narrow the Y-o-Y dip in PBT to 26%, thereby cushioning the impact of the N523.2 billion fair value gains recognised in Q3-2024, which did not recur in Q3-2025.

Also of importance is that Guaranty Trust Holding Company Plc continues to maintain a well-structured, healthy liquid and diversified balance sheet in all the jurisdictions wherein it operates a Banking franchise, as well as across its Payments, Pension and Funds Management business verticals.

This is proven amongst others by the fact that

Group’s total assets and shareholders’ funds closed at N16.7trillion and N3.3trillion, respectively. Capital Adequacy Ratio (CAR) remained very robust and strong, closing at 36.5%, likewise asset quality improved as evidenced by IFRS 9 Stage 3 Loans which closed at 3.3% and 4.4% % at Bank and Group level in Q3-2025 (Bank 3.5%, Group 5.2% in December 2024). Cost of Risk (COR) also improved to 2.2% from 4.9% in December 2024.

The metrics are such that Guaranty Trust Holding Company Plc’s Group Chief Executive Officer, Mr Segun Agbaje, could confidently declare:

“Our third quarter performance underscores the consistency and resilience of our business model.

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“ In specific terms, the Group’s loan book (net) grew by 16.5% from N2.79 trillion as of December 2024 to N3.24trillion in September 2025.

“Similarly, deposit liabilities grew by 16.0% from N10.40trillion to N12.06trillion during the same period”.

He said it also underscores continued strength in the bank group’s diversified financial services ecosystem.

“We are seeing steady, sustainable growth across our banking and non-banking businesses, supported by disciplined execution and a strong focus on operational efficiency.”

Indeed, impressive results can only make stakeholders giggle in excitement.