The Group Managing Director, Guaranty Trust Holding Company, GTCO Plc Segun Agbaje says the financial services company has witnessed sustained growth in all its banking and non-banking businesses due to disciplined and focus operational efficiency.
The Group’s chief executive made the assertion while commenting on the release of its Unaudited Consolidated and Separate Financial Statements, for the third Quarter ending as September 30, 2025, to the Nigerian Exchange Group, NGX and London Stock Exchange, LSE.
According to the statement, the Group posted Profit Before Tax, PBT of N900.8 billion while its total assets and shareholders’ funds closed at N16.7 trillion and N3.3 trillion, respectively.
In spite of its performance in all key metrics, Agbaje said the company remained focused in driving future growth through innovation, operational excellence and remained customer focused.
He said: “Our third quarter performance underscores the consistency and resilience of our business model, as well as the continued strength of our 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. The improvements we have made to our digital and payments infrastructure are enhancing customer experience, deepening engagement, and driving greater integration across our ecosystem.
“Looking ahead, our focus remains on advancing our competitive edge through innovation, operational excellence, and a commitment to superior customer outcomes.”
Further details provided in the statement indicate that the company’s Capital Adequacy Ratio, CAR remained strong closing at 36.5 percent, while Cost of Risk ,COR stood at 2.2 percent from 4.9 percent in December 2024.
Instructively, the Group’s loan book (net) grew by 16.5 percent from N2.79 trillion as of December 2024 to N3.24 trillion in September 2025, while deposit liabilities grew by 16 percent from N10.40 trillion to N12 trillion during the same period.
Meanwhile, analysts in the sector insist that the Group’s has shown resilience in the face of the economic headwinds, as it remains strong and very robust in a key metrics.
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