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Ratings

Our financial capacity to meet obligations as they fall due has been recognized by several rating agencies.

Agusto & Co, (one of the foremost credit rating agencies in Nigeria) has reaffirmed the Bank's triple A (Aaa) risk rating for four consecutive years from 2005 - 2008. Guaranty Trust Bank plc is one of only two banks in Nigeria with such a rating.

Fitch Ratings

  • In 2005, Fitch, one of the foremost international rating agencies assigned the Bank a double A minus (AA-) risk rating in recognition of its strong domestic franchise, good quality assets and sound earnings record.
  • 2007 - B+
  • 2008 - B+
  • 2009 - B+
  • 2010 - B+
  • 2011 - B+
  • 2012 - B+
  • 2013 - B+
  • 2014 - B+
  • 2015 - B+
  • 2016 - B+

Standard & Poors Ratings

  • 2006 - double B minus (BB-)
  • 2007 - double B minus (BB-)
  • 2008 - double B minus (BB-)
  • 2009 - B plus (B+)
  • 2010 - B plus (B+)
  • 2011 - B plus (B+)
  • 2012 - double B minus (BB-)
  • 2013 - double B minus (BB-)
  • 2014 - double B minus (BB-)
  • 2015 - double plus (B+)

Our Culture

The Bank's culture is centered on eight guiding principles called the Orange Rules. These unique principles have become synonymous with us over the years and continue to contribute to the success story of the Bank.

  • Simplicity: We are straightforward, direct and easy to deal with, making the complex uncomplicated.
  • Professionalism: We are thorough and efficient, always inspiring confidence.
  • Service: This is our major strength; we're constantly improving on our ability to delight our customers.
  • Friendliness: We enjoy working together to fulfil customers' needs, building mutually rewarding relationships.
  • Excellence: We stand out from the crowd, always refreshing, always beyond the ordinary.
  • Trustworthiness: We are reliable, what we say is what we do; trust us to always do what is right.
  • Social Responsibility: we care, we believe in building and sharing for the good of all.
  • Innovation: we evoke inspiration and respect, our originality is second to none, we are bold, classy and always setting the pace.

The Brand

Guaranty Trust Bank is a friendly brand that truly cares and this permeates through every sphere of our business. We have a value system that is hinged on professionalism, ethics, integrity, and superior customer service. We maintain a culture of excellence and go to great lengths to actualize the popular phrase; The Customer Is King.

 

Our style of operation, staff conduct and service delivery models are built on 8 core principles aptly dubbed; The Orange Rules in line with the Bank's vibrant Orange corporate colour.

Why Orange?

  • It is a joyous colour
  • Frees and releases emotion
  • Evokes a feeling of warmth
  • Demands attention
  • Stimulates the mind
  • Orange indicates a person who is sociable and loves to be in the company of others.
  • A person who has loads of energy, exciting and fun to be with.
  • Orange relates to a person who has great practical-hands on-skills.
  • Orange personalities are friendly, ready smile, respond positively and fluent if not profound in speech.

They are good-natured and gregarious and do not like to be left alone.

Orange Rules

Orange Rules ... Rules We Live By

The Orange Rules are principles for progression, success, relationships and life.


They guide our approach to banking and everything we do.

Recognitions and Awards

The Bank has over the years been a recipient of several awards for superior financial performance, superior customer service delivery, excellent share performance, management efficiency etc. Some of these are:

African Banker Award

  • 2009 African Banker of the Year - Tayo Aderinokun
  • 2012 African Banker of the Year - Segun Agbaje
  • 2013 African Bank of the Year 
  • 2014 African Bank of the Year
  • 2016 African Banker of the Year - Segun Agbaje
  • 2016 Most Innovative African Bank
  • 2017 African Bank of the Year

Euromoney Awards for Excellence

  • 2009 Best Bank in Nigeria
  • 2010 Best Bank in Nigeria
  • 2011 Best Bank in Nigeria
  • 2012 Best Bank in Nigeria
  • 2014 Best Bank in Nigeria
  • 2014 Best Bank in Africa
  • 2015 Best Bank in Nigeria
  • 2016 Best Bank in Nigeria 
  • 2016 Best Digital Bank in Africa
  • 2017 Best Bank in Nigeria 
  • 2017 Best Bank for SMEs in Africa

Euromoney Private Banking and Wealth Management Award 

  • 2017 Best Private Banking Services
  • 2017 Best Commercial Banking Capabilities
  • 2017 Best Net-worth Specific Services in Africa

The Banker Awards

  • 2007 Deal of the Year Award for Nigeria
  • 2008 Deal of the Year Award for Nigeria
  • 2010 Best Bank in Nigeria
  • 2011 Best Bank in Nigeria
  • 2014 Best Bank in Nigeria
  • 2015 Bank of the Year in Nigeria

African Investor Awards

  • 2005 Highly Commended Bank of the Year in Africa Award
  • 2012 Africa Investor Most Innovative A1 SR130 Company of the Year Award
  • 2015 Bank of the Year Award
  • 2015 Most Innovative Company Nigeria
  • Most Innovative Ai SRI 30 Company
  • Ai SRI 30 CEO of the Year

International Finance Magazine Awards

  • 2014 Best Commercial Bank of Nigeria
  • 2014 Best Corporate Bank in Nigeria
  • 2017 Best Digital Bank

African Banker Magazine

  • 2013 African Bank of the Year
  • 2016 African Banker of the Year - Segun Agbaje
  • 2016 Most Innovative African Bank

African Business Award

  • 2015 Good Corporate Governance Award

Finance Monthly CEO Awards 

  • 2015 CEO of the Year - Segun Agbaje
  • 2016 CEO of the Year - Segun Agbaje
  • 2017 CEO of the Year - Segun Agbaje

Emeafinance Awards

  • 2008 Best Bank IPO Award 
  • 2011 Best Bank in Nigeria
  • 2012 Best Financial Institution Bond Award (UK)
  • 2013 Most Innovative Bank
  • 2013 Pan African CEO of the Year
  • 2013 Best Financial Institution Merger and Acquistion Deal
  • 2015 Most Innovative Bank

World Finance (UK)

  • 2012 Best Commercial Bank in Nigeria
  • 2012 Best Bank in Nigeria
  • 2014 Banker of the Year - Segun Agbaje
  • 2014 Best Banking Group Nigeria
  • 2015 Banker of the Year - Segun Agbaje
  • 2015 Best Banking Group Nigeria
  • 2016 Best Banking Group Nigeria
  • 2017 Banker of the Year - Segun Agbaje

Ethical Boardroom Corporate Governance Award 

  • 2015 Best Corporate Governance - Financial Services – Africa
  • 2016 Best Corporate Governance - Financial Services – Africa
  • 2017 Best Corporate Governance - Financial Services – Africa

Nigerian Stock Exchange (NSE)

  • President's Merit Award - 1996; 2000; 2003; 2004; 2005; 2006; 2007; 2008

The Financial Brand

  • 2012 Top 100 Most Powerful Social Media Financial Brands in the World (No 1 in Africa, No 7 in the World)

Nigeria Communications Week

  • 2012 Mobile Money Operator of the Year (Beacon of ICT Awards)
  • 2015 Mobile Money Operator of the Year (Beacon of ICT Awards)
  • 2016 Mobile Money Operator of the Year (Beacon of ICT Awards)

Market Awards Nigeria

  • 2012 Financial Institution (Bank) of the Year 2012

Islanders

  • 2012 Bank of the Year

KPMG Banking Industry Customer Satisfaction Surveys

  • 2007 1st Runner up in the Customer Service Excellence Award
  • 2008 Most Customer Focused Bank: Retail
  • 2008 Runner up, Most Customer Focused Bank: Corporate
  • 2009 Most Customer Focused Bank: Retail
  • 2009 Most Customer Focused Bank: Corporate 2nd Place
  • 2010 Most Customer Focused Bank: Retail
  • 2010 Most Customer Focused Bank: Corporate
  • 2011 Most Customer Focused Bank: Retail
  • 2012 Most Customer Focused Bank: Corporate
  • 2013 Most Customer Focused Bank (Ghana)
  • 2013 Most Customer Focused Bank (Sierra Leone) 

Lagos State Enterprise Awards

  • 2007 Brand of the Year Award
  • 2009 Bank of the Year Award

CSR Nigeria

  • 2011 Best Bank in CSR: Health Management in Nigeria

Nigeria Industry Award

  • Best Corporate Stewardship Award (CSR)

ThisDay Newspaper Awards

  • 2005 Bank of the Year Award
  • 2006 Brand of the Year Award
  • 2008 Transaction of the Year Award
  • 2009 CEO of the Year - Tayo Aderinokun
  • 2010 Icon of Corporate Excellence in Nigeria
  • 2011 Young Global Champions Award

PricewaterhouseCoopers & BusinessDay Newspaper Survey Awards

  • 2006 2nd Most Respected Company in Nigeria
  • 2007 Most Respected Company in Nigeria
  • 2007 Sectoral Award for the Financial Services Segment

Frost and Sullivan Awards

  • 2014 Product Leadership Award

Lagos Chamber of Commerce & Industry 

  • 2015 SME Development Partner

BusinessDay Awards 

  • 2014 Bank of the Year Award
  • Business Day Top 100 Brands
  • 2016 Best Bank in SME Banking

Vanguard Newspaper Awards

  • 2007 Best Bank for Brand Development Award
  • 2007 Most Customer Friendly Bank in Nigeria Award
  • 2008 Bank of the Year Award
  • 2008 Most Customer Friendly Bank Award
  • 2008 Best Bank in Corporate Governance

Leadership Newspaper

  • 2011 Bank of the Year

Capital Finance International Awards

  • 2015 Best Green Bank - Nigeria 

The Asian Banker Excellence In Retail Financial Services Award 

  • 2016 Most Improved Retail Bank In Nigeria
  • 2016 Product of the Year In Africa
  • 2017 Best Deposit Service
  • 2017 Retail Payment in Nigeria

CNBC Africa All Business Leaders Award 

  • 2015 West Africa Business Leader of the Year - Segun Agbaje 

Global Banking and Finance Review Award 

  • 2016 Best CSR Bank In Nigeria
  • 2016 Most Innovative Mobile App In Nigeria

Ai Institutional Investment and Capital Market Awards

2016 Ai Socially Reponsible Investment (SRI) 30 CEO of the Year 

Fortune and Magazine Class Awards

  • 2007 Grand Prix Award for Reputation and Credibility
  • 2007 Corporate Best Practice Award
  • 2007 Best Work Place Award

Super Brands Awards

  • 2007 Super Brand Award - Nigeria
  • 2008 SuperBrand Award -Nigeria

Phillips Counsulting - Webjurist Awards

  • 2012 Best Website
  • 2014 Best Website

Logica (Nigeria) Telecoms Awards

  • 2007 Best Bank in Mobile Banking Award
  • 2008 Best Bank in Mobile Banking Award
  • 2014 Best Bank in Mobile Banking Award

Nigerian Institute of Architects Awards

  • 2008 Best Architectural Bank branch 

Records and Information Management Awareness (RIMA) Foundation Project Management Awards

  • 2007 Mobile Information Management Project Award

Standards Organization of Nigeria (SON)

  • 2006 ISO 9001:2000 Certification: in recognition of the Bank's quality management system and conformity with global best practice

SIAO

  • 2008 Best CSR Rating
  • 2009 Best CSR Rating

City People Awards for Excellence

  • 2009 Best Bank CEO of the Year
  • 2009 Best Run Bank of the Year
  • 2011 Customer Friendly Bank of the Year
  • 2012 Best Bank of the Year
  • 2012 CEO of the Year - Segun Agbaje

Global Excellence Awards for Excellence

  • 2009 CEO of the Year - Tayo Aderinokun
  • 2012 Bank of the Year

The West African Branding Excellence Awards 2009

  • 2009 Best Customer Service Financial brand of the Year - West Africa

National ICT Merit Awards 2009

  • 2009 Best ICT Support Bank of the Year

Jigawa State Merit Awards

  • 2009 Merit award in recognition of support to the upliftment of education standards in Jigawa

The African Audio Visual Awards (TAVA) 2009

  • 2009 Best TV Commercial (GTBank Soccer Lady)

National Youth Service Corps 2008 Batch 'B'

  • 2009 Bank of the Year

Social Enterprise Reports and Awards (SERA)

  • 2009 Most Socially Responsible Bank
  • 2009 Most Socially Responsible Company - Child Health (MDG 4)
  • 2009 Overall Most Socially Responsible Company in Nigeria (2nd)
  • 2011 Most Socially Responsible Company in Nigeria
  • 2012 Most Socially Responsible Company
  • 2012 Corporate Governance Award
  • 2013 Best Child Focused CSR
  • 2013 Award For the Environment
  • 2014 Best Company in Wealth and Income Generation

Lagos Enterprise Awards

  • 2009 Bank of the Year

EFInA Award for Financial Inclusion

  • 2014 EFInA Award for Financial Inclusion

Nigeria CFO Awards 

  • 2015 Best Bank Provider of Cash Management Services

Nigeria British Chamber of Commerce

  • 2016 Company of the Year  

Top 50 Brands Nigeria  

  • 2016 3rd Best Brand in Nigeria

Chartered Institute of Stock Brokers 

  • 2012 Most Outstanding Quoted Company

World Business Leader Magazine

  • 2013 Best Banking Group

World Business African Bankers Awards 

  • 2009 African Banker of the Year

Sun Newspapers

  • 2009 Man of the Year - Tayo Aderinokun

Pearl Awards for Excellence

  • 2010 Sectoral Leadership Awards (Banking)
  • 2010 Pearl Outstanding CEO of the Year

The CBN & NIBSS Electronic Payment Incentive Scheme (EPIS) Efficiency Awards 

  • 2016 Best Customer Experience
  • 2016 Best Cash Driver: Instant Payments
  • 2016 Cash Driver: Point of Sale (POS) Issued Cards
  • 2016 Instant Payments Transaction Efficiency
  • 2016 E-Reference Operation
  • 2016 Automation Direct Debit Mandate Management 
  • 2017 Best Customer Experience Award
  • 2017 Best Cashless Driver: Real Time Payments
  • 2017 Cashless Driver: Point of Sale (POS) Issued Cards
  • 2017 Instant Payments Transaction Efficiency
  • 2017 Point of Sale Card Transaction Efficiency
  • 2017 Electronic Data Rendition Compliance and Integrity

YouTube Africa Creator Awards

  • 2016 Best Entertainment Content Provider - NdaniTv