Guarantee Trust Bank

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About Company

Full Name: Guaranty Trust Bank Limited (commonly called GTBank or GTB)
Parent Company: Guaranty Trust Holding Company Plc (GTCO Plc)
Founded: 1990 (obtained banking license); commenced operations in 1991
Founders: Tajudeen Afolabi Adeola, Fola Adeola, and a group of young Nigerian professionals
Headquarters: Plot 635, Akin Adesola Street, Victoria Island, Lagos, Nigeria
Current Managing Director/CEO: Segun Agbaje (Group CEO of GTCO)

Stock Listing: Nigerian Exchange (NGX): GTCO; London Stock Exchange (GDRs)

Contents hide
1 Key Facts & Achievements
2 Multiple awards:
3 Current Structure (2025)
4 Services & Products (Retail & Corporate)
5 Financial Snapshot (as of Q3 2025 latest public figures)
6 Digital Leadership
7 Reputation & Customer Perception

Key Facts & Achievements

  • One of Nigeria’s most profitable and best-managed banks for over three decades.
  • Consistently rated among the top 5 largest banks in Nigeria by total assets and market capitalization.
  • First Nigerian bank to list on the Premium Board of the Nigerian Stock Exchange and later on the London Stock Exchange (2013).
  • Pioneered many “firsts” in Nigerian banking:First Nigerian bank to offer internet banking (2001)
  • First to introduce 737 USSD banking (737
  • First sub-Saharan African bank (outside South Africa) to get an investment-grade rating from Fitch and S&P.

Multiple awards:

  • Euromoney “Best Bank in Nigeria” (10+ times)
  • “Best Digital Bank in Africa” several years running
  • African Banker “Bank of the Year” multiple times

Current Structure (2025)

In 2021, GTBank transitioned into a financial holding company structure:

  • Guaranty Trust Holding Company Plc (GTCO) is the parent.
  • Banking subsidiary: Guaranty Trust Bank Limited (Nigeria)
    Other subsidiaries:
  • Guaranty Trust Bank (UK) Ltd
  • GTBank Ghana, Kenya, Uganda, Côte d’Ivoire, The Gambia, Sierra Leone, Liberia, Rwanda, Tanzania
  • Habari Pay (fintech/payments arm)
  • GT Pension Managers
  • Asset Management arm

Services & Products (Retail & Corporate)

  • Retail banking: Current, savings, domiciliary accounts, 737 USSD, GTWorld mobile app, GTMobile, Habari shopping/payment platform
  • SME banking: GTMFB (Guaranty Trust Microfinance Bank), SME loans
  • Corporate & Investment banking
  • Digital products: Virtual prepaid cards, instant account opening via *737#, NQR payments, etc.
  • Popular products: GTTarget (target savings), MaxPlus (high-interest), School Fees Advance, Salary Advance

Financial Snapshot (as of Q3 2025 latest public figures)

  • Total assets: > ₦16 trillion
  • Customer deposits: > ₦11 trillion
  • Market capitalization: ≈ ₦1.8–2.2 trillion (fluctuates with NGX)
  • Profit After Tax (9 months 2025): ≈ ₦1.2 trillion (one of the highest in Nigerian banking history)

Digital Leadership

GTBank is widely regarded as the most digitally advanced bank in Nigeria:

  • Over 90% of transactions now happen outside branches.
  • GTWorld app consistently ranks #1 or #2 on App Store Google Play in Nigeria.
  • 737 remains the most used USSD banking code in the country.

International Presence (2025)

Fully operational banking subsidiaries in 10 African countries + UK. Recently obtained approval to operate in Egypt (2024–2025).

Reputation & Customer Perception

  • Loved for excellent customer service, fast complaint resolution, and innovative products.
  • Very popular with young, tech-savvy Nigerians and the middle class.

In summary, GTBank remains one of Nigeria’s Tier-1, systemically important banks and arguably the most respected and innovative commercial bank in the country in 2025.