Guaranty Trust Holding Company plc is a financial holding company structured around 5 areas of business activity:
- merchant banking (54.8% of turnover). The group also offers electronic payment and online banking services;
- retail banking (29.8%): sale of conventional and specialized banking products and services (management of current, savings and overdraft accounts; management of pension funds; issuance of credit and debit cards; consumer credit; home loans and mortgages; etc.);
- commercial banking (6.9%);
- corporate banking for small and medium-sized companies (6.5%);
- provision of banking services for governments and public institutions (2%).
At the end of 2020, the group managed NGN 3,509.3B in outstanding savings and NGN 1,662.7B in outstanding loans.
The products and services are marketed over a network of 339 agencies located in Nigeria (232), Africa (106) and the United Kingdom.
The geographical breakdown of the turnover is as follows: Nigeria (80.6%), Ghana (8.8%), Kenya (2.3%), Africa (7.2%) and United Kingdom (1.1%).
GUARANTY TRUST HOLDING COMPANY PLC 
