Guaranty Trust HoldCo Q1 2026 – Gross Earnings Grew by 9 Percent Year-on-year

Highlights

• Gross earnings jumped by 9% Year-on-year (YoY), N523.31 billion (Q1 2025) to N571.42 (Q1 2026).
• Net interest income increased by 12% (YoY), N318.17 billion (Q1 2025) to N356.29 billion (Q1 2026).
• Profit after tax (PAT) declined by 15% (YoY), N257.91 billion in Q1 2025 to N218.13 billion in Q1 2026.
• Earnings per share declined by 25% from N7.83k (Q1 2025) to N5.89k(Q1 2026).

Outlook

We expect GT Holdco to continue to generate quality earnings throughout FY 2026. It has a capital adequacy ratio (CAR) of 43.82%, which means the bank is well capitalized and it is currently above regulatory thresholds of 15%. This is the highest amongst all Tier 1 banks in Nigeria. This shows the Bank has the potential to raise its loan book at a rate higher than most while being prudent.

With expected strong earnings for FY 2026, we expect the organisation to continue to perform as a strong market player into Q2 2026. A strong candidate for any portfolio be it short-term or long-term outlook.

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Thank you.