Digital Banking and Financial Performance Review
Our Geographical Presence
GTBank Ltd.
100% owned by GTCO
• Established in 1990
⚫ 237 branches, 16 e-branches, 14 cash
centres & 47 GTExpress locations
⚫ N138.19 bn invested by GTCO
• FY 2022 PBT: N180.63 bn
⚫ ROE: 10.8%
Habari Pay
Established in Aug. 2021
100% owned by GTCO
⚫1 business location
⚫N3.10bn invested by GTCO
FY 2022 PBT: N945 mn
⚫ ROE: 21.3%
United Kingdom
Established in 2008
• 100% owned by GTBank Ltd.
⚫ 1 branch
⚫ N9.60bn invested by GTBank Ltd.
• FY 2022 PBT: (N1.6 bn)
• ROE: (3.8%)
Liberia
• Established in 2009
• 99.43% owned by GTBank Ltd.
⚫ 10 branches
⚫ N1.95bn invested by GTBank Ltd.
FY 2022 PBT: N2.95 bn
• ROE: 7.7%
Cote D'Ivoire
Established in 2012
• 100% owned by GTBank Ltd.
⚫ 4 branches
⚫ N5.99bn invested by GTBank Ltd.
•HY 2022 PBT: N2.78 bn
• ROE: 23.4%
GT Fund Managers
• Established in Feb. 2022
100% owned by GTCO
• 3 business locations
⚫ N4.04bn invested by GTCO
• FY 2022 PBT: N286 bn
• ROE: 35.3%
Sierra Leone
• Established in 2002
• 83.74% owned by GTBank Ltd.
⚫ 16 branches
• N594.11m invested by GTBank Ltd.
• FY 2022 PBT: N2.68 bn
• ROE: (9.4%)
GT Pension Manage
• Established in Feb. 2022
100% owned by GTCO
⚫13 business locations
⚫N17.63bn invested by GTCO
• FY 2022 PBT: N797 bn
• ROE: 6.7%
Kenya
Acquired in 2013
70% owned by GTBank Ltd.
⚫ 9 branches
⚫ N17.13bn invested by GTBank Ltd.
•FY 2022 PBT: N7.35 bn
⚫ROE: 22.3% (Parent: 7.5%)
Rwanda
•Acquired in 2013
⚫Subsidiary of GTB Kenya
⚫ 14 branches
• ROE: 10.6%
Gambia
• Established in 2002
• 77.81% owned by GTBank Ltd.
• 15 branches & 1 e-branch
• N574.28m invested by GTBank Ltd.
•FY 2022 PBT: N4.42 bn
• ROE: 35.4%
Ghana
Established in 2006
• 98.32% owned by GTBank Ltd.
• 35 branches
⚫N18.14bn invested by GTBank Ltd.
• FY 2022 PBT: N10.24 bn
• ROE: 15.5%
Uganda
• Acquired in 2013
• Subsidiary of GTB Kenya
⚫ 8 branches
⚫ ROE: 11.6%
Tanzania
Established in Dec. 2017
• 76.2% owned by GTBank Ltd.
⚫ 1 branch
• N3.84bn invested by GTBank Ltd.
⚫ FY 2022 PBT: (N132 mn)
• ROE: 36.8%
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