Robust loan portfolio, customer deposits drive GBTI’s $4.5B profit in 2025 – Chairman

Chairman of the Guyana Bank for Trade and Industry (GBTI) Limited, Suresh Beharry, has credited the bank’s strong performance in 2025 to its robust loan portfolio and growing customer deposits.

In a statement on Friday, GBTI and its subsidiaries reported the financial results for the year ending December 31, 2025, showing a profit after tax of $4.5 billion – an eight per cent increase over the $4 billion recorded in the previous year.
“This result was driven by robust loan portfolio growth of 17 per cent and a 29 per cent increase in customer deposits,” Beharry stated.

At the end of the reporting period, the bank’s deposits totalled $269 billion, representing a 29 per cent year-over-year growth.

GBTI’s total assets at the end of 2025 stood at $312.9 billion, growing from the $249 billion recorded in 2024. Moreover, the bank’s total revenue for 2025 was $14.6 billion – an increase of nine per cent. Earnings per share also increased by eight per cent to $111.1 in 2025.

With a capital adequacy ratio of 16.42 per cent, the chairman said the bank continues to demonstrate solid financial resilience, prudent risk management, and operational strength.

He went on to add that 2025 also marked significant progress in GBTI’s digital transformation agenda. The bank launched digital account opening and retail loan onboarding last year, further streamlining the customer experience.

In addition, GBTI also expanded its Automated Teller Machine (ATM) and Point of Sale (POS) networks, thus improving access to banking services across Guyana.

As Guyana’s economy thrived last year, fuelled by the oil and gas sector and non-oil growth, Beharry stated that GBTI maintained its focus on small- and medium-sized enterprises (SME) financing, cybersecurity, and governance, positioning itself as a trusted partner for businesses and communities.

This was reflected just last month when GBTI introduced its private banking service – the second local bank to do so. Private banking is a personalised, exclusive offering that provides high-end financial services like wealth management, investment advice, and lending to high-net-worth individuals (HNWIs) through a dedicated relationship manager.

Meanwhile, beyond numbers, GBTI continues to champion nation-building. The Chairman said in Friday’s missive that initiatives in financial inclusion, employee development, and community engagement reflect a forward-looking institution that is as committed to the country’s growth as it is to innovation.
“With ambitious plans for digital expansion, regional growth, and sustainable banking, GBTI is not just shaping the future of banking; we are redefining it,” Chairman Beharry asserted.

These end-of-year figures come on the heels of GBTI reporting a strong mid-year performance in 2025 with a profit after tax of $2.23 billion – a 24 per cent increase over the $1.80 billion recorded during the corresponding period in 2024.

During that period, the bank’s total assets grew by 41 per cent, rising from $209 billion to $249 billion, which it said was driven by disciplined expansion in its loan and investment portfolios, enhanced operational efficiency, and favourable market conditions.