GTCO Financial Results

FY 2022 Guidance FY 2020 FY 2021 PBT Deposit Growth N238.1 bn N221.5 bn FY 2022 Guidance N243 bn 36.8% 14.4% 25% Loan Growth 10.7% 8.4% 10% Coverage (with Reg. Risk Reserve) 128.7% 150.4% 100% Cost of Risk 1.18% 0.50% 1% NPL to Total Loans 6.4% 6.00% 6% Return on average Assets 4.6% 3.4% 5% Return on average Equity 26.8% 20.60% 25% Loans to Deposits and Borrowings (Bank) 49.4% 43.60% 50% Liquidity Ratio 38.9% 38.30% 38% Capital Adequacy Ratio 26.52% 23.80% 23% Cost to Income Ratio 38.2% 42.30% 35% Net Interest Margin 9.26% 6.70% 8% Banking (Nigeria) Contribution to PBT 84.7% 76.5% 70% Banking (Ex-Nigeria) Contribution to PBT 15.3% 23.5% 28% Non-Banking Contribution to PBT 0% 0% 2% 37

View entire presentation