Diamond Trust Bank Kenya Ltd. · NSEKE:DTK
Diamond Trust Bank Kenya — H1 2025 Earnings Presentation
25 slides from Diamond Trust Bank Kenya's earnings presentation, 2025
Slide 1: H1 2025 Investor Presentation: Driving Socio-Economic Relevance
H1 2025 Investor Presentation Driving Socio-Economic Relevance DTB Investor Presentation – H1 2025 1 |
Slide 2: Macros are stable but business sentiment is mixed across our markets
Macros are stable but business sentiment is mixed across our markets Soft inflation in EAC supporting policy easing by Credit growth is picking up at varying pace with Upside risks central banks to stimulate credit growth and faster growth in Tanzania and Uganda. ❑ Stable macros - low Inflation, eco
Slide 3: Execution of our strategy is yielding sustained growth & creating value for shareholders
Execution of our strategy is yielding sustained growth & creating value for shareholders Assets (KShs Bn) Customer reach 4.5% Jun -2025 : 120% y/y 612 customer base expansion to 585 4.1 million ROE Socio- Digital transformation H1 2024 H1 2025 economic For agility, acquisition, enhanced 11.6% releva
Slide 4: Customer base more than doubled, driven by growth across key markets
Customer base more than doubled, driven by growth across key markets Number of Customers – Group (‘000’) H1 24 171K +307% • Digital-driven H1 24 438K H1 25 694K +26% +33% customer growth H1 25 551K +64% 4,097 • Tanzania and 3,074 Uganda added 2.1Mn+ new H1 24 4K 1,869 3,202 customers. H1 25 4K 2,254
Slide 5: Our footprint is deepening market penetration and unlocking new growth opportunities
Our footprint is deepening market penetration and unlocking new growth opportunities JUN 25 Y/Y JUN 24 UGANDA Growth KENYA Branches 36 ATMs 56 Branches 89 157 158 +1% Employees 666 ATMs 80 Branches Employees Agents 906 DTBK 1,603 DTBI 17 BURUNDI 2,864 2,952 +3% Employees TANZANIA Branches 4 ATMs 0 E
Slide 6: Our strategic pivot to digital channels is delivering operational efficiency & elevated customer experience
Our strategic pivot to digital channels is delivering operational efficiency & elevated customer experience H1 Outcomes Powered By ▪ 78% of transactions done outside branches across the Digital Banking Platform Group (KE - 92% in H1 2025 from 87% in H1 2024) ▪ KE – 2.6X growth in Weza loans to KShs
Slide 7: Corporate Banking: diversified business model for assets and income growth
We continue to leverage our diversified business model for assets and income growth driven by; ✓ Building the middle markets portfolio across the region ✓ 450+ new ecosystem anchor customers in trade, tourism manufacturing, real estate, construction, mining & agriculture sectors ✓ Strong growth with
Slide 8: Our strengthening SME portfolio key to margin growth and risk diversification
Our strengthening SME portfolio key to margin growth and risk diversification ✓ Ecosystem banking ✓ Leveraging anchor clients in new and traditional sectors ✓ 5K+ new SME customers added YTD, with KShs 3Bn+ in new CASA ✓ Bringing services closed through the expanded branch networks, SME Banking agen
Slide 9: Scaling up retail banking across the group
Scaling up retail banking across the group- a strategic a priority ✓ 105K+ customers added in H1-25 via aggressive acquisition & cross- sell strategies ✓ Disbursements YTD growth (KE)- Mortgages (+330%), workplace banking (+130%), Weza (+155%), Merchant financing (KShs 267 Mn) ✓ Rafiki product - dis
Slide 10: Balance sheet and income growth and diversification: Treasury and Bancassurance
Balance sheet and income growth and diversification ✓ 15% growth in Treasury assets to Kshs 175Bn – Income & balance sheet diversification Treasury ✓ Tourism, mining, agriculture, remittances are key focus area for FX growth ✓ Banking over 50% of licensed MTOs in Kenya ✓ Improved merchant supply to
Slide 11: We continue to champion responsible investments for sustainable value to stakeholders
We continue to champion responsible investments for sustainable value to stakeholders Climate action & Net Zero Our Progress in H1 2025 ▪ Planted 430K+ trees in H1 2025 ▪ 980K+ trees planted since 2023 ▪ On course for 10M trees by 2030 ▪ Working with 4 Agritech to accelerate credit access to farmers
Slide 12: Resilience & Growth: H1 2025 Financial Outcomes
RESILIENCE & GROWTH H1 2025 FINANCIAL OUTCOMES DTB Investor Presentation – H1 2025 12 |
Slide 13: Financial summary: Performance underscores the Group's strength & resilience
Financial summary : Performance underscores the Group’s strength & resilience KES 288.5 billion KES 6.1 billion KES 3.2 billion 8% 5% 10% Net Loans Fee Income Provisions 18.5% Total CAR KES 483.2 billion KES 21.9 billion KES 7.2 billion 12% 7% 15% Customer Deposits Operating Income Profit Before Tax
Slide 14: The Group balance sheet remains strong and well diversified
The Group balance sheet remains strong and well diversified H1’25 Performance (KES billion) Key Performance Highlights Balance Sheet H1 2025 H1 2024 YOY Total Assets (Ksh.Bn) Customer deposits (Ksh.Bn) Assets Balances due from Central Banks 40.9 34.6 18.2% 611.5 Investment in Government Securities 1
Slide 15: More than one third of the Group's balance sheet is driven by subsidiary contribution
More than one third of the Group’s balance sheet is driven by subsidiary contribution Total Assets (KShs.Bn) 4.5% 585.4 611.5 0.6 Contribution to Total Assets 0.3 4.1 4.4 93.0 H1-2024 H1-2025 89.2 110.4 105.9 DTBK 65% 67% Subsidiaries 35% 33% • DTBU 19% 17% • DTBT 15% 15% 381.1 407.9 • DTBB 0.8% 0.7
Slide 16: The Group delivered 12% deposit growth, outpacing the industry
The Group delivered 12% deposit growth, outpacing the industry Deposits (KShs.Bn) Deposits (KShs.Bn) 11.9% (1%) 2 483 (1%) 3 (1%) 3 447 76 432 (11%) 77 74 (17%) 85 (17%) 73 (18%) 36% 33% 31% 77 FCY (16%) (18%) LCY 320 67% 69% 278 294 64% (66%) (66%) (64%) H1 2024 FY 2024 H1 2025 H1 2024 FY 2024 H1 2
Slide 17: Enhanced portfolio diversification for stability & optimal returns
Enhanced portfolio diversification for stability & optimal returns Proportion of loans in total earning assets continues to increase Focus on LCY lending enhancing balance sheet and earnings stability Accelerated lending to MSME & consumers to enhance the steam Proportionately lower margins on USD a
Slide 18: Improving quality of assets across the group
Improving quality of assets across the group H1 2024 H1 2025 Kenya Banking Industry 16.3% 17.6% NPL Ratio ▪ NPL ratio declined DTB NPL Ratio 13.1% 12.7% COR 2.5% 2.3% ▪ Decentralised risk management and a Impairment (Kshs.Mn) 3,620 3,242 strengthened credit team. Specific prov. Coverage ratio 43.3%
Slide 19: Sectoral NPL distribution
Sectoral NPL distribution 36.8% H1 2025 Group NPL Distribution (amounts and percentage) 14.6 21.1% 19.1% 8.4 7.6 14.2% 5.6 4.4% 2.8% 0.9% 0.3% 0.2% 0.3% 1.8 1.1 0.3 0.1 0.1 0.1 Oil & Gas Trade communication construction Other Tourism Agriculture Manufacturing Consumer institutions Real estate Financ
Slide 20: Income Statement
Income Statement H1’25 Performance (KES billion) Income Statement H1 2025 H1 2024 YOY 15.8 14.2 11.7% Net Interest Income Total Non- Interest Income 6.1 6.4 -5.0% 21.9 20.6 6.6% Gross Operating Income Operating Expenses 11.5 10.6 8.5% 10.4 10.0 4.5% Operating Profit Before Provisions Loan Loss provi
Slide 21: Sustaining Profitability despite rising pressure on interest margins
Sustaining Profitability despite rising pressure on interest margins Performance Highlights ❑ Operating income underpinned by an 11.7% growth in net Gross Operating Income Operating Expenses interest income to KShs 15.8Bn. (KShs.Bn) (KShs.Bn) ❑ NIM improved to 6.4% from 5.8% on lower cost of deposit
Slide 22: Subsidiaries are driving a significant share of Group profitability
Subsidiaries are driving a significant share of Group profitability Subsidiary contribution to PBT (KShs Bn) H1 2024 H1 2025 ➢ Subsidiaries contributed 35% of PBT in H1 2025 compared to 34% in H1 2024. 1% 2% 1% 2% 6% ➢ Growing contribution from Tanzania driven 10% 0.1 0.1 by strong growth in NII and
Slide 23: Earnings stability underpinning consistent shareholder returns
Earnings stability underpinning consistent shareholder returns Earnings Per Share (EPS) Return On Equity (ROE) +9.7% 11.6% 20.00 11.1% 18.00 17.04 16.00 15.54 14.00 12.00 10.00 1.6% 1.8% 8.00 6.00 H1 2024 H1 2025 H1 2024 H1 2025 Earnings per share (KShs) Return on Assets Return on Equity DTB Investo
Slide 24: 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 25: Bank with us. Bank on us.
Bank with us. Bank on us. DTB Investor Presentation – H1 2025 25 |
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