Business Areas

Innovative Financial Solutions Tailored to Your Needs

Our Mission is to make end-to-end financial services easily accessible to every African, and businesses by leveraging technology and strategic partnerships. We do this through the following areas.

Banking

At the heart of our ecosystem is Guaranty Trust Bank, a trusted financial partner to millions across Africa and the UK.

Payments

HabariPay provides a comprehensive payment solution designed to meet the needs of businesses of all sizes— from startups to large enterprises.

Funds Management

With a customer-focused investment philosophy, Guaranty Trust Fund Managers helps clients navigate financial markets confidently, building wealth and financial security.

Pension Management


Guaranty Trust Pension Managers is a “Proudly Nigerian” pension fund administrator committed to safeguarding the future of our clients’ retirement savings through expertly managed pension schemes.

Full Year 2024 Audited Result Highlights
Total Assets
₦14.7tn
Gross Earnings
₦2,148.3tn
Profit Before Tax
₦1,266tn
Return on Avg Equity
60.5%

Our History - Who We Are

An Ecosystem of Financial Solutions

We are a customer-first financial services group, guided by a singular purpose: to make end-to-end financial services easily accessible to every African. For over three decades, we have been at the forefront of transforming how people and businesses access financial solutions, making it more accessible for individuals and businesses in Africa.

Highlight of 2024

Same Orange, More Range

2024 was a year of making progress, as we successfully raised capital to further strengthen our banking business, and made significant upgrades to our IT infrastructure, enhancing its capabilities to deliver improved services to our customers.

Conversations and Community Initiatives

Facts Behind the GTCO Public Offer

Watch the Group CEO of GTCO Plc speak at the Nigerian Exchange (NGX) Limited main floor on the "Facts Behind the Offer" for its transformative capital-raising exercise.

Nigeria Macro-economic Outlook for 2025

This article presents our forecasts and opinions of the broad Nigerian macroeconomic and banking sectors trends that we expect would shape the economic landscape in 2025.

Habaripay Announces Squad Hackathon 2.0

Take on Squad Hackathon is designed to foster creativity, collaboration, and problem-solving skills among emerging tech talents to drive innovation for a more accessible world.

Transforming lives with the Waste-for-Gas initiative

The Waste for Gas project underscores GTCO’s unwavering commitment to improving outcomes for people and communities by providing households with gas-powered cooking.

Promoting Enterprise - GTCO Food & Drink Festival

We are creating global platforms that expand opportunities for small food related businesses to build capacity, grow revenue and connect with consumers and business experts from around the world.

Promoting Enterprise Through Fashion

The Guaranty Trust Fashion Weekend is a consumer-focused fair and free business platform designed to showcase the best of Africa’s Fashion to a global audience whilst promoting the effervescent enterprise of the continents growing fashion industry.

Orange Ribbon Initiative - Autism Conference

Our commitment to autism awareness and advocacy seeks to shine a light on the experiences, challenges, and strengths of individuals with autism and encourage a culture of acceptance and inclusion.

YouRead Initative

Part of our key strategy in championing education is rekindling the interest in reading across all age groups nationwide and beyond. To put this strategy in effect, we launched the YouRead initiative to encourage people to read, build capacity, gain exposure and connect with peers and educators around the world.

In the News