By Peter Egwuatu
Warranty Belief Holding Firm Plc (GTCO) has launched its unaudited third quarter outcomes 2025, Q3’25 , reporting Revenue Earlier than Tax, PBT of N299.9 billion, up 39% 12 months-on-12 months, YoY.
In response to the report, gross earnings for the three-month interval stood at N532 billion, up 15.5% YoY from N461 billion in Q3’24.
In the meantime, GTCO recorded PBT of N900.8 billion in its 9 months outcome on the again of robust efficiency on the core earnings strains of curiosity revenue and payment revenue which grew 12 months on 12 months, Y-o-Y by 25.6% and 16.8% respectively.
The robust core-earning efficiency continued to slim the Y-o-Y dip in PBT to 26%, thereby cushioning the influence of the N523.2 billion honest worth positive aspects recognised in Q3-2024, which didn’t recur in Q3-2025.
The Financial institution’s unaudited consolidated and separate monetary statements as of September 30, 2025, despatched to the Nigerian Change Group (NGX) and London Inventory Change (LSE) confirmed that the Group recorded growths throughout all its Asset strains and continues to keep up a well-structured, wholesome liquid and diversified steadiness sheet in all of the jurisdictions whereby it operates a Banking franchise, in addition to throughout its Funds, Pension and Funds Administration enterprise verticals.
Group’s whole property and shareholders’ funds closed at N16.7trillion and N3.3trillion, respectively. Capital Adequacy Ratio (CAR) remained very strong and powerful, closing at 36.5%, likewise asset high quality improved as evidenced by IFRS 9 Stage 3 Loans which closed at 3.3% and 4.4% % at Financial institution and Group degree in Q3-2025 (Financial institution 3.5%, Group 5.2% in December 2024). Price of Danger (COR) additionally improved to 2.2% from 4.9% in December 2024.
In particular phrases, the Group’s mortgage e-book (internet) grew by 16.5% from N2.79 trillion as of December 2024 to N3.24trillion in September 2025. Equally, deposit liabilities grew by 16.0% from N10.40trillion to N12.06trillion throughout the identical interval.
Commenting on the outcomes, the Group Chief Govt Officer of Warranty Belief Holding Firm Plc, Mr. Segun Agbaje, stated: “Our third quarter efficiency underscores the consistency and resilience of our enterprise mannequin, in addition to the continued energy of our diversified monetary providers ecosystem. “We’re seeing regular, sustainable progress throughout our banking and non-banking companies, supported by disciplined execution and a robust deal with operational effectivity.”
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