Guaranty Trust Holding Company Plc (GTCO) has announced an interim dividend of N11.76 per 50 kobo ordinary share for the 2025 financial year, as revealed in its audited financial statements. This interim dividend marks a significant increase from the N7.03 final dividend distributed in 2024. Including an earlier interim dividend of N1 per share, the total dividend for the year stands at N12.76.

Financially, GTCO reported a profit before tax of N1.23 trillion for the 2025 financial year. This figure is a decrease when compared to the N1.27 trillion recorded in 2024. Similarly, profit after tax for 2025 was N865.7 billion, down from N1 trillion in the previous year. Concurrently, earnings per share also saw a decline, dropping to N25.42 from N35.44.

The group's interest income showed robust growth, rising to N1.6 trillion in 2025 from N1.3 trillion in 2024. A substantial portion of this income was derived from loans and advances to customers, which contributed N559.3 billion, while investment securities accounted for N489.4 billion and N269.2 billion respectively. Interest expense, however, also increased to N392.5 billion, resulting in a net interest income of N1.26 trillion. After accounting for impairment charges of N66.4 billion, the net interest income after impairments stood at N1.19 trillion.

Non-interest income streams also performed well, with fees and commission income increasing to N278.5 billion. After deducting related expenses of N34.1 billion, the net fee income amounted to N244.3 billion. The group further bolstered its income with N78.7 billion from trading activities and an additional N139.9 billion in other income. Operating costs for the period included personnel expenses of N101 billion, depreciation and amortisation of N89.5 billion, and other expenses totaling N284.8 billion.

On the balance sheet, GTCO's total assets expanded to N17.7 trillion, up from N14.7 trillion in the prior year. This growth was supported by investment securities valued at N5.5 trillion and cash and bank balances amounting to N5.4 trillion. Loans and advances to customers also saw an increase, reaching N3.1 trillion. Total liabilities stood at N14.3 trillion, with customer deposits constituting a significant N12.5 trillion of this figure. The group's equity grew to N3.4 trillion, underpinned by strong retained earnings of N1.7 trillion.