Diamond Trust Bank Kenya Ltd. · NSEKE:DTK
Diamond Trust Bank Kenya — Investor Presentation (2026)
25 slides from Diamond Trust Bank Kenya's investor presentation, 2026
Slide 1: Investor Presentation FY 2025
Investor Presentation FY 2025 Scale, Resilience 1 & Impact DTB Investor Presentation – FY 2025
Slide 2: Disclaimer
DISCLAIMER This investor presentation has been prepared for information purposes only and is not and does not form part of any offer for sale or solicitation of any offer to subscribe for or purchase or sell any securities nor shall it or any part of it form the basis of or be relied on in connectio
Slide 3: Operating environment – Resilient & stable with emerging risks
Operating environment – Resilient & stable with emerging risks Resilient growth in our markets Interest rates & credit cycles Opportunities ❖ GDP Growth : 5%+ across our markets ❖ Financial conditions eased ❖ Deeper monetisation of our in 2025 ❖ Yields low in Kenya, higher in Uganda ecosystems ❖ Div
Slide 4: Overview of DTB Group: Expanding regional footprint & relevance
Overview of DTB Group: Expanding regional footprint & relevance Our strengths Branches 92 GROUP ATMs 80 ➢ Strong market presence - 80 years Employees Branches 36 ➢ Loyal customer base ATMs 56 • DTBK 1,634 • DTBI 17 ➢ Trusted brand Employees Agents 675 954 Branches 157 ➢ Customer service obsession ➢
Slide 5: Streamlining operations to strengthen our core East African footprint
Streamlining operations to strengthen our core East African footprint 100.00% Diamond Trust KENYA Bancassurance Intermediary DTB Kenya Banking Subsidiaries Concluded Burundi exit on 31st Dec 2025 65.68% 67.18% Public Company Not listed on the TANZANIA UGANDA DSE Aga Khan Fund for General Public Aga
Slide 6: Strategic Journey: Two-decades of scale, resilience & impact
Strategic Journey: Two-decades of scale, resilience & impact DTB 1.0 – 2005-2010 DTB 2.0 – 2011-2021 DTB 3.0 – 2022 to date Strategic thrusts Scaling up through branch ‘DTB Vision 2020’ Business Growth Strategy Aimed at augmenting market share & expansion Deposit (CASA) led growth strategy increasin
Slide 7: Our DTB 3.0 growth strategy continues to deliver strong outcomes
Our DTB 3.0 growth strategy continues to deliver strong outcomes Key Milestones CUSTOMER REACH • Attract new & retain existing customers across Corporate & Institutional banking, business Total Group Customers – 4.5 Mn and retail segments ▪ Kenya – 600K • Pursue ecosystem banking across existing and
Slide 8: Driving diversification through retail & business banking portfolio growth
Driving diversification through retail & business banking portfolio growth Segment Profile Sectoral Diversification DTB Kenya Loans (KShs Bn) Traditionally strong in: 402 32 ✓ Trade 316 19 101 ✓ Real Estate 248 11 66 165 44 ✓ Transport 121 7 88 25 63 ✓ Manufacturing 33 Retail 101 131 142 149 ✓ Touri
Slide 9: Digital investments are delivering real business value, across channels
Digital investments are delivering real business value, across channels Digital Customer Digital Lending – KShs 25Bn Digital Banking Platform Digital Partnerships Experience & Enablement ▪ 89% (2024 - 80%) of ▪ Kenya – 34+ partnerships with Kenya transactions done outside over KShs 10Bn in throughou
Slide 10: Sustainability: We are creating lasting value for our communities
Sustainability : We are creating lasting value for our communities Climate action & Net Zero Sustainable financing Citizenship ▪ Planted 1Mn+ trees since 2024 ▪ Commissioned additional 300kw solar panels at DTB Centre ▪ Grew the green portfolio to ▪ Reduced energy 5.9% to KShs 18Bn consumption by ▪
Slide 11: Financial Performance FY 2025
Financial Performance FY 2025 DTB Investor Presentation – FY 2025 11
Slide 12: Group balance sheet summary
Group balance sheet summary FY 2025 Performance (KShs billion) Balance Sheet FY 2025 FY 2024 YOY Assets Balances due from Central Banks 65.3 26.9 142% Investment in Government Securities 186.0 173.9 7% Loans and advances to customers (net) 324.2 285.3 14% Total Assets 659.1 573.9 15% Liabilities Cus
Slide 13: The Group is anchored by a strong, highly diversified balance sheet
The Group is anchored by a strong, highly diversified balance sheet Balance Sheet Indicators (KShs Bn) YoY growth Customer 509 (77%) Strategic & growing significance of deposits 13.8% subsidiaries Equity 101 (16%) 23.6% Balances due Uganda to banks 21 (3%) 22.7% 16% Other liabilities 14 (2%) 6.6% No
Slide 14: Strong deposit growth driven by expanded footprint & reach
Strong deposit growth driven by expanded footprint & reach Group Customer Deposits (KShs billion) Geographical distribution FY 2025 509.1 Kenya Uganda Tanzania Contribution 67% 16% 17% Demand 10.7% 17.7 By Currency – Diversification from FCY Savings 6.2 YoY 13.8% 10.6% Currency 2025 2024 LCY 70% 67%
Slide 15: Strong loan growth, focused on retail, SMEs & LCY
Strong loan growth, focused on retail, SMEs & LCY for diversification & enhanced margins Group Gross Loans (KShs Bn) Distribution of earning 2025 2024 6.5 5.9 349.6 assets - Group 34.5 305.4 -2.7 Customer loans 60% 58% Government securities 34% 36% Other assets 6% 6% YoY 14% By currency 2025 2024 FY
Slide 16: Asset quality continues to strengthen across the Group
Asset quality continues to strengthen across the Group FY 2024 FY 2025 Loan Classification (KShs. Bn) Kenya Banking Industry 16.4% 15.4% NPL Ratio DTB Kenya NPL ratio 15.7% 14.2% 350 306 DTB Group NPL Ratio 12.3% 10.8% COR 2.9% 3.3% Specific Provision 268 312 39.6% 51.1% Coverage ratio 38 38 FY 2024
Slide 17: Sectoral loan & NPL distribution
Sectoral loan & NPL distribution Contribution Group NPL (KShs Bn) Group Gross Loans (KShs Bn) Contribution Wholesale and (41%) 15.4 74.6 (21%) retail trade Manufacturing (18%) 6.7 59.4 (17%) Building & construction (12%) 4.6 54.7 (16%) and real estate Business and (0%) 0.0 47.9 (14%) financial servi
Slide 18: Group income statement summary
Group income statement summary FY 25 Performance (KES billion) Income Statement FY 2025 FY 2024 YOY 34.9 28.1 24.1% Net Interest Income Total Non- Interest Income 11.8 13.0 -9.1% 46.7 41.1 13.6% Gross Operating Income Operating Expenses 22.8 21.2 7.3% 23.9 19.9 20.4% Operating Profit Before Provisio
Slide 19: Improved margins, prudent cost controls boost net earnings
Improved margins, prudent cost controls boost net earnings Group Gross Operating Income (KShs Bn) ❑ Operating income rose 14% driven by a 24% increase in net interest income to KShs 34.9Bn. 46.7 41.1 ❑ NIMs expanded to 7.5% from 6.1% supported by lower cost of deposits and growth in the MSME & retai
Slide 20: Consistently strong subsidiary contribution to PBT
Consistently strong subsidiary contribution to PBT Contribution to Group PBT FY 2024 Contribution to Group PBT FY 2025 DTBI Burundi 1% 2% 2% DTBI Uganda Uganda 7% 7% 32% 32% 57% 59% Tanzania Tanzania Kenya Kenya DTB Investor Presentation – FY 2025 20
Slide 21: Improving JAWs drive lower cost income ratio
Improving JAWs drive lower cost income ratio Improving JAWS 6.8% ➢ Strong topline growth ➢ Cost optimisation -0.1% 2024 2025 ➢ Improving JAWs ➢ Scaling digital channel Cost to Income utilisation 51.8% ➢ Target to bring down CIR to 48.8% 45% or below in the next 2-3 years. 2024 2025 DTB Investor Pres
Slide 22: Strong bottom-line growth
Strong bottom-line growth Profit After Tax (KShs Mn) 1,280 393 6,785 1,557 -583 -1,085 10,707 ▪ The loss in Burundi relates to 8,819 revaluation loss realised after the sale of the subsidiary with 24.1% effect from 31st Dec 2025. YoY 21.4% 2024 PAT NII NFI OPEX PROV. Burundi TAX 2025 PAT DTB Investo
Slide 23: Delivering consistent and attractive returns to our shareholders
Delivering consistent and attractive returns to our shareholders Shareholders Value Creation ROA & ROE 50.0 26.7% 25.6% 9.8% 10.3% 45.0 9.6% 24.4% 8.9% 40.0 23.1% 6.0% 35.0 21.5% 33.6 1.7% 1.5% 30.0 27.3 1.4% 24.6 1.3% 25.0 21.7 20.0 1.0% 14.0 15.0 9.0 10.0 7.0 5.0 6.0 5.0 3.0 0.0 FY 2021 FY 2022 FY
Slide 24: Medium term financial outlook / ambition
Medium term financial outlook / ambition Loan 2025 Medium Term Growth 14% 10% - 12% Return on 2025 Medium Term Equity 10.3% 18% - 22% Deposit 2025 Medium Term Growth 14% 10% - 12% Return on 2025 Medium Term Assets 1.7% 2.75% - 3.25% NPL Ratio 2025 Medium Term 10.8% 7% - 9% Coverage Ratio 2025 Medium
Slide 25: Thank You
THANK YOU DTB Investor Presentation – FY 2025 25
Diamond Trust Bank Kenya — Investor Presentation (2026) on 6ix