Diamond Trust Bank Kenya Ltd. · NSEKE:DTK

Diamond Trust Bank Kenya — Q1 2025 Earnings Presentation

21 slides from Diamond Trust Bank Kenya's earnings presentation, 2025

1. Slide 1: Q1 2025 Investor Presentation

   Q1 2025 Investor Presentation Driving Socio-Economic Relevance DTB Investor Presentation – Q1 2025 1 |

2. Slide 2: The operating environment is stabilising, but uncertainty remains

   The operating environment is stabilising, but uncertainty remains Interest rates have declined with lower Monetary easing to lift credit markets but Risks to the outlook inflation, Central Banks’ actions catalytic impact will be delayed due to persistent credit risks  External shocks – Y/Y Change i

3. Slide 3: DTB Business Growth Strategy 3.0 continues to deliver value for our stakeholders

   DTB Business Growth Strategy 3.0 continues to deliver value for our stakeholders Balance sheet strength and resilient earnings Anchored on the three pillars to drive socio-economic relevance Assets (KShs Bn) 5.5% Customer reach 595 Target : 10 Mn customers 572 Mar -2025 : 30% y/y growth to ROE 4 mil

4. Slide 4: To leverage expanded and growing customer base for enhanced returns

   To leverage expanded and growing customer base for enhanced returns 2022 2023 2024 Apr 2025 Number of Customers 335K 418K 482K 529K 30% (900K+) growth in customer base in Q1 2025 145K 178K 604K 679K Tanzania & Uganda leading in customer acquisition 164K 823K 1,984K 2,758K Accelerated growth in conve

5. Slide 5: Accelerating digital transformation for agility, efficiency & experience

   Accelerating digital transformation for agility, efficiency & experience Digital Customer Digital Customer Digital Banking Digital Digital Experience & Solutions Platform Partnerships lending Enablement  Taasi Till Loans for  Enhanced Mobile  ASTRA – API integration Digital lending Q1 2025  Digi

6. Slide 6: Entrenching a sustainability culture for enhanced value to our stakeholders

   Entrenching a sustainability culture for enhanced value to our stakeholders Climate Action & Sustainable Partnerships Citizenship Net Zero finance  To plant 0.5 million+ trees  To launch a sustainable  Deepen partnerships  #AchieveMoreGirl to in 2025 (1 million+ since finance product for acceler

7. Slide 7: Resilience & Growth: Q1 2025 Financial Outcomes

   RESILIENCE & GROWTH Q1 2025 FINANCIAL OUTCOMES DTB Investor Presentation – Q1 2025 7 |

8. Slide 8: Q1 2025 Group financial performance reflects strong resilience

   Q1 2025 Group financial performance reflects strong resilience KES 7.7 billion KES 5.7 billion 8% 9% Net Interest Income Operating Costs KES 284.3 billion 18.5% 6% KES 0.9 billion Net Loans 43% Total CAR KES 3.0 billion Provisions 19% Fee Income KES 463.6 billion KES 4.1 billion KES 10.21 9% 2% 9% C

9. Slide 9: The Group balance sheet remains strong and well diversified

   The Group balance sheet remains strong and well diversified Q1’25 Performance (KES billion) Key Performance Highlights Balance Sheet Q1 2025 Q1 2024 YOY Total Assets (KShs.Bn) Customer deposits (KShs.Bn) Assets Balances due from Central Banks 38.2 27.1 41.0% 595.1 Investment in Government Securities

10. Slide 10: Subsidiaries contribute 34% of the balance sheet

    Subsidiaries contribute 34% of the balance sheet Total Assets (KShs.Bn) Deposits (KShs.Bn) 4.1% 9.0% 464 571.9 595.1 (0.0%) 0.2 425 3 (1%) 0.7 (0.1%) 78 96.2 (1%) 3 (17%) (0.8%) 4.6 92.1 (16%) 4.4 (0.7%) 76 (16%) (18%) 76 101.4 (16%) 100.9 (17%) 73 (18%) (17%) 392.4 307 374.1 274 (66%) (65%) (66%) (

11. Slide 11: Growth in customer deposits of 9.0% outpaced the industry average of 4.6%

    Growth in customer deposits of 9.0% outpaced the industry average of 4.6% Deposits (KShs.Bn) 9.0%  Deposit market share improved to 5.5% 464 (Dec 2024-5.4%), lifting DTB’s deposit 425 447 ranking in the industry to #7 from #9 in Dec 2024. 33% 31% 38% FCY  Gains were driven by improved liquidity co

12. Slide 12: We continue to rebalance our deposit mix in favour of LCY funds

    We continue to rebalance our deposit mix in favour of LCY funds Deposits (KShs.Bn) (1%) 3 (1%) 3 (1%) 3 78 77 (17%) 76 (17%) (18%) 76 73 (16%) 73 (16%) (17%)  Reduced foreign currency exposure  Higher margins in LCY compared to FCY. 294 307 274 (66%) (66%) (64%) Q1 2024 FY 2024 Q1 2025 DTBK DTBU D

13. Slide 13: 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

14. Slide 14: We have contained growth in NPLs and target to bring it further down

    We have contained growth in NPLs and target to bring it further down Q1 2024 Q1 2025 Kenya Banking Industry 15.7% 17.4% NPL Ratio  NPL ratio declined and portfolio in stage 3 DTB NPL Ratio 14.5% 12.9% has shrunk COR 2.0% 1.2% Impairment (Kshs.Mn) 1,545 886  Decentralised risk management and a stre

15. Slide 15: Sectoral NPL distribution

    Sectoral NPL distribution Q1 2025 Group NPL Distribution (amounts and percentage) 35.1% 13.8 21.2% 19.8% 8.3 7.8 13.7% 5.4 3.3% 2.7% 1.2% 2.3% 0.5% 0.2% 1.3 1.1 0.5 0.2 0.1 0.9 communication construction Agriculture Trade Other Consumer Manufacturing Tourism Oil & Gas institutions Real estate Financ

16. Slide 16: Income Statement

    Income Statement Q1’25 Performance (KES billion) Income Statement Q1 2025 Q1 2024 YOY 7.7 7.1 8.0% Net Interest Income Total Non- Interest Income 3.0 3.7 -18.5% 10.7 10.8 -1.1% Gross Operating Income Operating Expenses 5.7 5.3 8.8% 4.9 5.5 -10.5% Operating Profit Before Provisions Loan Loss provisio

17. Slide 17: Sustaining Profitability in a Tough Operating Environment

    Sustaining Profitability in a Tough Operating Environment Performance Highlights  Operating income underpinned by an 8.0% growth in net Gross Operating Income Operating Expenses interest income to KShs 7.7Bn. (KShs.Bn) (KShs.Bn)  NIM improved to 6.5% from 5.7% on lower cost of deposits 10.8 10.7 5

18. Slide 18: Subsidiaries contribution to Group PBT continues to rise

    Subsidiaries contribution to Group PBT continues to rise Subsidiary contribution to PBT (KShs Bn) Q1 2024 Q1 2025  Subsidiaries contributed 36% of PBT in Q1 2025 compared to 32% in Q1 2024. 0% 2% -1% 2% 6%  Uganda PBT dropped 47% due to narrower 12% 0.0 0.0 margins & lower business volumes. 0.1 0.

19. Slide 19: Stable Earnings Per Share & Returns to Shareholders

    Stable Earnings Per Share & Returns to Shareholders Earnings Per Share (EPS) Return On Equity (ROE) +8.7% 12.3% 12.1% 10.50 10.21 10.00 9.39 9.50 9.00 8.50 8.00 7.50 7.00 2.0% 2.1% 6.50 6.00 Q1 2024 Q1 2025 Q1 2024 Q1 2025 Earnings per share (KShs) Return on Assets Return on Equity DTB Investor Pres

20. Slide 20: 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

21. Slide 21: Bank with us. Bank on us.

    Bank with us. Bank on us. DTB Investor Presentation – Q1 2025 21 |

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