Guaranty Trust Holding Company Plc (NGX:GTCO)
Nigeria flag Nigeria · Delayed Price · Currency is NGN
90.35
-0.10 (-0.11%)
At close: Oct 29, 2025

NGX:GTCO Income Statement

Millions NGN. Fiscal year is Jan - Dec.
Fiscal Year
TTMFY 2024FY 2023FY 2022FY 2021FY 20202015 - 2019
Period Ending
Sep '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 2015 - 2019
Interest Income on Loans
1,559,8401,321,582531,018294,873251,466288,279
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Interest Income on Investments
32,49120,22019,73830,52715,42712,459
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Total Interest Income
1,592,3311,341,802550,755325,400266,894300,738
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Interest Paid on Deposits
363,081283,215114,05966,09746,28147,069
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Net Interest Income
1,229,2501,058,586436,697259,303220,613253,668
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Net Interest Income Growth (YoY)
33.52%142.41%68.41%17.54%-13.03%9.64%
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Income From Trading Activities
103,17886,23862,20140,28229,646-
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Gain (Loss) on Sale of Assets
55.47187.611.5882.69-1526.81
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Gain (Loss) on Sale of Investments
9,812-27,668-94,992-35,945-760.83,191
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Other Non-Interest Income
221,844688,590558,764160,315142,813148,221
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Total Non-Interest Income
334,889747,348525,984164,735171,683151,438
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Non-Interest Income Growth (YoY)
-63.36%42.09%219.29%-4.05%13.37%11.17%
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Revenues Before Loan Losses
1,564,1391,805,934962,681424,038392,296405,106
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Provision for Loan Losses
142,897136,662102,95311,9878,53119,573
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1,421,2431,669,272859,727412,052383,765385,533
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Revenue Growth (YoY)
-19.14%94.16%108.65%7.37%-0.46%6.30%
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Salaries and Employee Benefits
113,67589,28949,31636,69334,39136,434
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Occupancy Expenses
72,01958,03339,09535,46735,30031,155
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Selling, General & Administrative
30,52948,70223,63421,7829,51711,504
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Other Non-Interest Expense
257,436207,002138,374103,99083,05968,346
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Total Non-Interest Expense
473,658403,026250,419197,932162,267147,438
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EBT Excluding Unusual Items
947,5841,266,246609,308214,120221,498238,095
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Legal Settlements
---34.51--
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Pretax Income
947,5841,266,246609,308214,154221,498238,095
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Income Tax Expense
315,143248,44369,65444,98146,65836,655
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Earnings From Continuing Operations
632,4421,017,803539,655169,173174,839201,440
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Minority Interest in Earnings
-13,921-11,583-5,229-2,437-2,732-1,830
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Net Income
618,5211,006,220534,425166,737172,107199,609
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Net Income to Common
618,5211,006,220534,425166,737172,107199,609
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Net Income Growth
-50.38%88.28%220.52%-3.12%-13.78%2.16%
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Basic Shares Outstanding
32,44728,39528,02228,02228,03828,085
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Diluted Shares Outstanding
32,44728,39528,02228,02228,03828,085
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Shares Change (YoY)
16.41%1.33%--0.06%-0.17%-
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EPS (Basic)
19.0635.4419.075.956.147.11
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EPS (Diluted)
19.0635.4419.075.956.147.11
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EPS Growth
-57.37%85.82%220.50%-3.07%-13.63%2.16%
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Dividend Per Share
7.0308.0303.2003.1003.0003.000
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Dividend Growth
90.00%150.94%3.23%3.33%-7.14%
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Effective Tax Rate
33.26%19.62%11.43%21.00%21.07%15.39%
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Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.