Diamond Trust Bank Kenya Ltd. · NSEKE:DTK
Diamond Trust Bank Kenya — H1 2026 Earnings Presentation
25 slides from Diamond Trust Bank Kenya's earnings presentation, 2026
Slide 1: Investor Presentation H1 2026
Investor Presentation H1 2026 80 Years 1 of Enriching Lives DTB Investor Presentation – H1 2026
Slide 2: Our strengths
Our strengths ➢ Strong market presence ➢ Trusted brand ➢ Loyal customer base ➢ Customer service obsession ➢ Well capitalised & liquid Positioning ➢ Tier I across our markets ➢ Strategically placed in SME and trade corridors Scalability ➢ Digital expansion ➢ Mid-markets, SMEs & retail through ecosyst
Slide 3: 80 Years in the Making – A Legacy of Trust and a Future of Growth
80 Years in the Making – A Legacy of Trust and a Future of Growth All three entities licensed to 1946-1996 operate as commercial banks. DTBT became a subsidiary of DTBK 1946 – Established by Aga DTK, Diamond Trust of – Increased stake from 33% to 55% Tanzania (DTT) and Diamond 2008 Khan III as the D
Slide 4: Operating environment - Resilience in our markets despite uncertainty
Operating environment - Resilience in our markets despite uncertainty ▪ Inflation remains contained although volatile energy prices heralds upside Jun-26 Jun-25 Jun-26 Jun-25 Jun-26 Jun-25 pressure to the outlook. 3.7% 3.9% 4.0% 3.3% ▪ Monetary policy is supportive, but central Inflation 6.4% 3.8% b
Slide 5: DTB Group: A scaling East African franchise serving 5.9 million customers
DTB Group: A scaling East African franchise serving 5.9 million customers H1 H1 2026 2025 Excl. Burundi 5.9 Mn 4.1 Mn 562K 809K 4.5Mn Customers Customers 5.9Mn 156 154 93 34 29 Branches Customers Branches 44% YoY 3,204 2,901 1,883 676 645 Employees Employees 169 37 174 80 52 ATMs ATMs 4,822 4,440 -
Slide 6: Our DTB 3.0 Strategy is driving customer growth and digital capabilities
Our DTB 3.0 Strategy is driving customer growth, strengthening digital capabilities & enriching the lives of the communities we serve Key Milestones Assets (KShs Bn) Group Customers 10% ▪ 5.9 Mn customers, +44% YoY CUSTOMER REACH 675 ▪ 910K conventional customers, +2.2% YoY 612 ▪ 5.0 Mn digital cust
Slide 7: How we are growing – Five levers driving profitable, sustained growth
How we are growing – Five levers driving profitable, sustained growth 1. Ecosystem-led acquisition 2. Digital-first growth 3. Transaction-led deposits ✓ Leveraging 3000+ corporate ✓ Deepened channel usage Grow CASA deposits relationships ✓ Scaled digital acquisition ✓ Branch & sales force-led ✓ Sect
Slide 8: Our Digital pivot is driving efficiency & elevating customer experience
Our Digital pivot is driving efficiency & elevating customer experience H1 Outcomes Powered By Digital Banking Platform ▪ Group - 86% of transactions are outside branches Cloud Computing Digital lending ▪ KShs 9.7Bn in digital lending across Kenya, Tanzania and Uganda in 2026 ▪ ASTRA – API Banking w
Slide 9: Purpose in action: Measurable, lasting & sustainable enrichment of lives
Purpose in action: Measurable, lasting & sustainable enrichment of lives Key Milestones & Achievements Over 70 hectares of degraded mangrove area restored, contributing to biodiversity conservation and uplifting the community Trees Planted Screening for E&S Green Loans Solarisation of DTB Waste Recy
Slide 10: Board changes : Strong governance to continue underpinning our strategy
Board changes : Strong governance to continue underpinning our strategy Linus Gitahi, MBS Shaffiq Dharamshi Nasim Devji Murali Natarajan Pamella Ager Uday Bhasin Chair Vice Chair Group Chief Executive Officer Managing Director and Chief Director Director Executive Officer, Kenya 9 Yrs , 3 Months 11
Slide 11: Financial Performance H1 2026
Financial Performance H1 2026 DTB Investor Presentation – H1 2026 11
Slide 12: Our strategy is delivering a stronger, higher-quality Balance Sheet
Our strategy is delivering a stronger, higher-quality Balance Sheet H1 2026 Performance (KShs billion) Balance Sheet H1 2026 H1 2025 YOY Assets Balances due from Central Banks 37.5 40.9 -8% Investment in Government Securities 205.0 181.4 13% Loans and advances to customers (net) 328.0 288.5 14% Othe
Slide 13: We continue to build balance sheet strength across the group
We continue to build balance sheet strength across the group Total Assets (KShs Bn) Strong contribution from subsidiaries 17.5 675.1 DTBI 0.04% -4.1 -0.3 4.9 45.6 17% 611.5 33% 16% from subsidiaries 67% YoY 10% Kenya Uganda Tanzania H1 2025 Kenya Uganda Tanzania Burundi DTBI H1 2026 DTBI – Diamond T
Slide 14: Deposits up 11% as more customers save and transact with us
Deposits up 11% as more customers save and transact with us Deposits (KShs Bn) Geographical distribution Kenya Uganda Tanzania 13.6 534.2 Contribution 68% 15% 17% 42.5 -2.4 -2.7 By Currency – Diversification from FCY 483.2 Currency H1 2026 H1 2025 LCY 69% 67% FCY 31% 33% YoY 11% ▪ Strong gains from
Slide 15: Gross loans up 15%, is more diversified and better quality
Gross loans up 15%, is more diversified and better quality Group Gross Loans (KShs Bn) Distribution of earning H1 2026 H1 2025 9.1 357.6 39.3 3.2 assets - Group -5.1 Customer loans 49% 47% 311.1 Government securities 30% 30% Other assets 21% 23% YoY 15% By currency H1 2026 H1 2025 LCY 62% 59% H1 202
Slide 16: Asset quality improving, NPL ratio down to 11.6%
Asset quality improving, NPL ratio down to 11.6% H1 2026 H1 2025 Loan Classification (KShs. Bn) Kenya Banking Industry 14.6% 17.6% NPL Ratio DTB Kenya NPL ratio 358 14.9% 16.1% 311 DTB Group NPL Ratio 11.6% 13.0% COR 2.7% 2.3% Specific Provision 316 272 56.6% 40.7% Coverage ratio Industry NPL as per
Slide 17: Sectoral loan & NPL distribution
Sectoral loan & NPL distribution Contribution Group NPL (KShs Bn) Group Gross Loans (KShs Bn) Contribution Wholesale and 17.3 103.5 29% retail trade 42% Manufacturing 23% 9.4 90.1 25% Building & construction 11% 4.5 74.7 21% and real estate Transport and 19% 7% 7.9 24.2 communications Business and 7
Slide 18: Improved earnings & sustained operational efficiencies drives growth in the Income Statement
Improved earnings & sustained operational efficiencies drives growth in the Income Statement H1 2026 Performance (KES billion) Income Statement H1 2026 H1 2025 YOY Net Interest Income 20.0 15.9 26.4% Total Non- Interest Income 6.5 6.1 6.6% Gross Operating Income 26.5 21.9 20.9% Operating Expenses 12
Slide 19: Accelerated earnings momentum reinforcing positive JAWS
Accelerated earnings momentum reinforcing positive JAWS Group Gross Operating Income (KShs Bn) 26.5 ❑ Operating income rose 21% driven by a 26% increase in net 21.9 interest income to KShs 20.0Bn. ❑ NIMs expanded to 6.8% from 6.6% supported by lower cost of deposits and growth in the MSME & retail p
Slide 20: Subsidiary PBT contribution on an upward trajectory
Subsidiary PBT contribution on an upward trajectory Contribution to Group PBT H1 2026 Contribution to Group PBT H1 2025 DTBI 2% Burundi 1% 2% DTBI Uganda Uganda 6% 11% 26% 27% Tanzania 60% Tanzania 65% Kenya Kenya DTBI – Diamond Trust Bancassurance Intermediary – insurance agency subsidiary of Kenya
Slide 21: Journey to optimising long-term value for our investors
Journey to optimising long-term value for our investors Shareholders Value Creation ROA & ROE +34% 50.0 12.6% 45.7 45.0 10.2% 40.0 34.1 2.2% 35.0 30.0 1.8% 25.0 20.0 15.0 10.0 5.0 0.0 H1 2025 H1 2026 H1 2025 H1 2026 Annualised earnings per share Return on Assets (ROA) Return on Equity (ROE) DTB Inve
Slide 22: Medium term financial outlook/ambition
Medium term financial outlook/ambition Sustained balance sheet growth driving resilient earnings in 2026 H1 2026 ACTUAL PERFORMANCE VS COMMITMENT Medium term Medium term Metric H1 2026 actual outlook Metric H 1 2026 a ctu a l outlook Return on equity 12.6% 17.0% - 22.5% Net loans growth 13.7% 12.5%
Slide 23: Value drivers – Repositioning for sustained growth and profitability
Value drivers – Repositioning for sustained growth and profitability Key priorities & aspirations ▪ Portfolio diversification and scale up - Retail, business banking, mid-corporates focus ▪ Deepen presence in new focus sectors - agri, education, personal etc ▪ Entrench position in core sectors – tra
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: THANK YOU
THANK YOU DTB Investor Presentation – H1 2026 25
Diamond Trust Bank Kenya — H1 2026 Earnings Presentation on 6ix