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 Balance Sheet
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 |
| Cash & Equivalents | 4,500,616 | 4,401,590 | 2,005,936 | 1,596,079 | 905,657 | 711,429 | Upgrade
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| Investment Securities | 4,896,001 | 4,152,386 | 2,480,328 | 1,235,116 | 1,169,296 | 991,741 | Upgrade
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| Trading Asset Securities | 115,034 | 55,513 | 46,029 | 152,610 | 86,884 | 82,471 | Upgrade
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| Total Investments | 5,011,034 | 4,207,899 | 2,526,357 | 1,387,726 | 1,256,180 | 1,074,212 | Upgrade
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| Gross Loans | 3,370,057 | 2,920,284 | 2,614,625 | 1,972,442 | 1,886,409 | 1,743,895 | Upgrade
|
| Allowance for Loan Losses | -125,480 | -134,532 | -134,375 | -86,589 | -83,707 | -81,065 | Upgrade
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| Net Loans | 3,244,577 | 2,785,752 | 2,480,250 | 1,885,853 | 1,802,702 | 1,662,831 | Upgrade
|
| Property, Plant & Equipment | 418,663 | 330,232 | 224,299 | 197,860 | 203,972 | 175,168 | Upgrade
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| Goodwill | 19,283 | 19,293 | 19,161 | 19,116 | 8,690 | 8,688 | Upgrade
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| Other Intangible Assets | 80,708 | 61,951 | 13,915 | 10,296 | 10,884 | 11,185 | Upgrade
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| Other Receivables | 853,229 | 397,858 | 485,538 | 70,943 | 77,117 | 83,046 | Upgrade
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| Restricted Cash | 2,195,653 | 2,206,495 | 1,708,904 | 1,100,191 | 1,016,214 | 1,045,750 | Upgrade
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| Other Current Assets | 210,832 | 289,992 | 154,987 | 101,714 | 94,940 | 96,070 | Upgrade
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| Long-Term Deferred Tax Assets | 28,314 | 28,877 | 18,286 | 10,983 | 3,188 | 4,716 | Upgrade
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| Other Real Estate Owned & Foreclosed | - | - | - | 17.03 | 16.27 | 12,048 | Upgrade
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| Other Long-Term Assets | 96,490 | 65,768 | 53,621 | 65,678 | 56,475 | 59,510 | Upgrade
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| Total Assets | 16,659,399 | 14,795,707 | 9,691,255 | 6,446,456 | 5,436,035 | 4,944,653 | Upgrade
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| Accounts Payable | 248,602 | 170,809 | 102,152 | 48,144 | 22,534 | 38,236 | Upgrade
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| Interest Bearing Deposits | 4,595,062 | 4,219,160 | 3,102,595 | 2,141,482 | 1,903,222 | 1,635,326 | Upgrade
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| Non-Interest Bearing Deposits | 7,467,303 | 6,182,282 | 4,444,292 | 2,468,861 | 2,227,111 | 1,975,503 | Upgrade
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| Total Deposits | 12,062,365 | 10,401,442 | 7,546,888 | 4,610,343 | 4,130,333 | 3,610,829 | Upgrade
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| Short-Term Borrowings | 21.66 | 10,760 | - | 4,367 | 1,581 | 2,759 | Upgrade
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| Current Portion of Long-Term Debt | - | 294,047 | 50,689 | 96,159 | 102,872 | 50,755 | Upgrade
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| Current Portion of Leases | - | 441.74 | 219.74 | 250.7 | 608.65 | 1,568 | Upgrade
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| Current Income Taxes Payable | 145,122 | 186,665 | 41,303 | 35,308 | 22,676 | 21,592 | Upgrade
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| Other Current Liabilities | 147,332 | 549,910 | 130,496 | 243,558 | 96,604 | 61,479 | Upgrade
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| Long-Term Debt | 147,298 | 15,974 | 21,431 | 30,369 | 51,026 | 63,140 | Upgrade
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| Long-Term Leases | 27,125 | 20,835 | 11,198 | 3,697 | 5,522 | 6,520 | Upgrade
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| Long-Term Unearned Revenue | 17.21 | 811.68 | 543.25 | 154.02 | 335.52 | 109.3 | Upgrade
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| Pension & Post-Retirement Benefits | 1,303 | 2,137 | 1,241 | 561.31 | 450.22 | 460.35 | Upgrade
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| Long-Term Deferred Tax Liabilities | 111,849 | 103,342 | 59,681 | 12,028 | 12,801 | 24,961 | Upgrade
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| Other Long-Term Liabilities | 402,446 | 326,516 | 248,285 | 430,367 | 105,465 | 247,851 | Upgrade
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| Total Liabilities | 13,293,481 | 12,083,689 | 8,214,127 | 5,515,307 | 4,552,808 | 4,130,258 | Upgrade
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| Common Stock | 18,213 | 17,069 | 14,716 | 14,716 | 14,716 | 14,716 | Upgrade
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| Additional Paid-In Capital | 489,367 | 329,229 | 123,471 | 123,471 | 123,471 | 123,471 | Upgrade
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| Retained Earnings | 2,553,048 | 2,104,959 | 1,202,170 | 765,352 | 710,057 | 642,406 | Upgrade
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| Treasury Stock | -28,413 | -11,290 | -8,126 | -8,126 | -8,126 | -6,928 | Upgrade
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| Comprehensive Income & Other | 266,520 | 215,290 | 115,411 | 16,592 | 24,239 | 24,950 | Upgrade
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| Total Common Equity | 3,298,734 | 2,655,258 | 1,447,642 | 912,004 | 864,357 | 798,615 | Upgrade
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| Minority Interest | 67,184 | 56,760 | 29,486 | 19,145 | 18,870 | 15,781 | Upgrade
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| Shareholders' Equity | 3,365,919 | 2,712,018 | 1,477,128 | 931,149 | 883,227 | 814,396 | Upgrade
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| Total Liabilities & Equity | 16,659,399 | 14,795,707 | 9,691,255 | 6,446,456 | 5,436,035 | 4,944,653 | Upgrade
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| Total Debt | 174,444 | 342,057 | 83,537 | 134,843 | 161,609 | 124,741 | Upgrade
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| Net Cash (Debt) | 4,441,206 | 4,115,046 | 1,968,428 | 1,613,845 | 830,933 | 669,160 | Upgrade
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| Net Cash Growth | 8.75% | 109.05% | 21.97% | 94.22% | 24.18% | 25.78% | Upgrade
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| Net Cash Per Share | 137.48 | 144.92 | 70.25 | 57.59 | 29.64 | 23.83 | Upgrade
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| Filing Date Shares Outstanding | 32,729 | 29,554 | 28,022 | 28,022 | 27,981 | 29,431 | Upgrade
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| Total Common Shares Outstanding | 32,729 | 29,554 | 28,022 | 28,022 | 27,981 | 29,431 | Upgrade
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| Book Value Per Share | 100.79 | 89.84 | 51.66 | 32.55 | 30.89 | 27.13 | Upgrade
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| Tangible Book Value | 3,198,744 | 2,574,014 | 1,414,566 | 882,592 | 844,783 | 778,742 | Upgrade
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| Tangible Book Value Per Share | 97.73 | 87.09 | 50.48 | 31.50 | 30.19 | 26.46 | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.