Guaranty Trust Holding Company Plc (NGX:GTCO)
Nigeria
· Delayed Price · Currency is NGN 89.00
+1.00 (1.14%)
At close: Dec 5, 2025
NGX:GTCO Income Statement
Financials in millions NGN. Fiscal year is January - December.
Millions NGN. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2019 - 2015 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2019 - 2015 |
| Interest Income on Loans | 1,579,125 | 1,321,582 | 531,018 | 294,873 | 251,466 | 288,279 | Upgrade
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| Interest Income on Investments | 13,206 | 20,220 | 19,738 | 30,527 | 15,427 | 12,459 | Upgrade
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| Total Interest Income | 1,592,331 | 1,341,802 | 550,755 | 325,400 | 266,894 | 300,738 | Upgrade
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| Interest Paid on Deposits | 363,081 | 283,215 | 114,059 | 66,097 | 46,281 | 47,069 | Upgrade
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| Net Interest Income | 1,229,250 | 1,058,586 | 436,697 | 259,303 | 220,613 | 253,668 | Upgrade
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| Net Interest Income Growth (YoY) | 33.52% | 142.41% | 68.41% | 17.54% | -13.03% | 9.64% | Upgrade
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| Income From Trading Activities | 103,178 | 86,238 | 62,201 | 40,282 | 29,646 | - | Upgrade
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| Gain (Loss) on Sale of Assets | 132.47 | 187.6 | 11.58 | 82.69 | -15 | 26.81 | Upgrade
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| Gain (Loss) on Sale of Investments | 9,812 | -27,668 | -94,992 | -35,945 | -760.8 | 3,191 | Upgrade
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| Other Non-Interest Income | 221,767 | 688,590 | 558,764 | 160,315 | 142,813 | 148,221 | Upgrade
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| Total Non-Interest Income | 334,889 | 747,348 | 525,984 | 164,735 | 171,683 | 151,438 | Upgrade
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| Non-Interest Income Growth (YoY) | -63.36% | 42.09% | 219.29% | -4.05% | 13.37% | 11.17% | Upgrade
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| Revenues Before Loan Losses | 1,564,139 | 1,805,934 | 962,681 | 424,038 | 392,296 | 405,106 | Upgrade
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| Provision for Loan Losses | 142,897 | 136,662 | 102,953 | 11,987 | 8,531 | 19,573 | Upgrade
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| Revenue | 1,421,243 | 1,669,272 | 859,727 | 412,052 | 383,765 | 385,533 | Upgrade
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| Revenue Growth (YoY) | -19.14% | 94.16% | 108.65% | 7.37% | -0.46% | 6.30% | Upgrade
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| Salaries and Employee Benefits | 109,373 | 89,289 | 49,316 | 36,693 | 34,391 | 36,434 | Upgrade
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| Occupancy Expenses | 72,019 | 58,033 | 39,095 | 35,467 | 35,300 | 31,155 | Upgrade
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| Selling, General & Administrative | 57,554 | 48,702 | 23,634 | 21,782 | 9,517 | 11,504 | Upgrade
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| Other Non-Interest Expense | 234,713 | 207,002 | 138,374 | 103,990 | 83,059 | 68,346 | Upgrade
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| Total Non-Interest Expense | 473,658 | 403,026 | 250,419 | 197,932 | 162,267 | 147,438 | Upgrade
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| EBT Excluding Unusual Items | 947,584 | 1,266,246 | 609,308 | 214,120 | 221,498 | 238,095 | Upgrade
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| Legal Settlements | - | - | - | 34.51 | - | - | Upgrade
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| Pretax Income | 947,584 | 1,266,246 | 609,308 | 214,154 | 221,498 | 238,095 | Upgrade
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| Income Tax Expense | 315,143 | 248,443 | 69,654 | 44,981 | 46,658 | 36,655 | Upgrade
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| Earnings From Continuing Operations | 632,442 | 1,017,803 | 539,655 | 169,173 | 174,839 | 201,440 | Upgrade
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| Minority Interest in Earnings | -13,921 | -11,583 | -5,229 | -2,437 | -2,732 | -1,830 | Upgrade
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| Net Income | 618,521 | 1,006,220 | 534,425 | 166,737 | 172,107 | 199,609 | Upgrade
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| Net Income to Common | 618,521 | 1,006,220 | 534,425 | 166,737 | 172,107 | 199,609 | Upgrade
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| Net Income Growth | -50.38% | 88.28% | 220.52% | -3.12% | -13.78% | 2.16% | Upgrade
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| Basic Shares Outstanding | 32,304 | 28,395 | 28,022 | 28,022 | 28,038 | 28,085 | Upgrade
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| Diluted Shares Outstanding | 32,304 | 28,395 | 28,022 | 28,022 | 28,038 | 28,085 | Upgrade
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| Shares Change (YoY) | 15.32% | 1.33% | - | -0.06% | -0.17% | - | Upgrade
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| EPS (Basic) | 19.15 | 35.44 | 19.07 | 5.95 | 6.14 | 7.11 | Upgrade
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| EPS (Diluted) | 19.15 | 35.44 | 19.07 | 5.95 | 6.14 | 7.11 | Upgrade
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| EPS Growth | -56.97% | 85.82% | 220.50% | -3.07% | -13.63% | 2.16% | Upgrade
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| Dividend Per Share | 8.030 | 8.030 | 3.200 | 3.100 | 3.000 | 3.000 | Upgrade
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| Dividend Growth | 117.03% | 150.94% | 3.23% | 3.33% | - | 7.14% | Upgrade
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| Effective Tax Rate | 33.26% | 19.62% | 11.43% | 21.00% | 21.07% | 15.39% | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.