Diamond Trust Bank Kenya Ltd. · NSEKE:DTK
Diamond Trust Bank Kenya — Q3 2025 Earnings Presentation
28 slides from Diamond Trust Bank Kenya's earnings presentation, 2025
Slide 1: Q3 2025 Investor Presentation
Q3 2025 Investor Presentation Driving Socio-Economic Relevance DTB Investor Presentation – Q3 2025 |1
Slide 2: Economic Activity Gaining Momentum In Our Operating Markets
Economic Activity Gaining Momentum In Our Operating Markets Inflation is soft and financial conditions Strengthening credit markets led by Tanzania and Upsides accommodative, but with divergencies Uganda. Kenya to catch up ❑ Low inflation, stable currencies (September 2025) September 2025 ❑ Rising d
Slide 3: The Expanded Footprint Is Strengthening Market Reach & Opening Fresh Avenues For Growth
The Expanded Footprint Is Strengthening Market Reach & Opening Fresh Avenues For Growth GROUP Customers 705,079 Branches 36 SEP 25 Y/Y Customers 579,762 SEP 24 ATMs 56 Branches 92 Growth Employees 673 ATMs 80 Agents 934 Employees DTBK 1,632 2,162,872 4,328,617 +100% DTBI 22 Customers Customers 3,666
Slide 4: DTB’s Journey Through The Years
DTB’s Journey Through The Years All three entities licensed to operate as DTBT became a subsidiary of commercial banks DTB Kenya – Increased stake DT Kenya, DT Tanzania from 33% to 55% and DT Uganda all 1946-1996 renamed to Diamond Corporate rebranding 1946 – Established by Trust Bank Kenya, 2008 Ag
Slide 5: DTB 3.0: Fueling Growth Momentum Through Segment Focus
DTB 3.0: Fueling Growth Momentum Through Segment Focus Corporate & Institutional Business Banking Retail Banking Segment Profile Banking DTB Kenya Loans (KES Bn) 12 ✓ Strengthening Middle ✓ Scaling - deepening ✓ 161 Branch footprint - 4 37 Market presence new branches in Kenya in Retail Ecosystem Ba
Slide 6: DTB 3.0: Rigorous Strategy Execution Is Building Sustained Growth Momentum
DTB 3.0: Rigorous Strategy Execution Is Building Sustained Growth Momentum Sep -2025 : 100% y/y customer base expansion to 4.3 million Assets (KShs Bn) 8.7% 642 tomer Reach Cus 591 Q3 2024 Q3 2025 ROE Sustainab 11.6% ation 11.0% form EPS (KShs) 14.8% ilit ci So nc e o -e va s yE co n o an el mic rel
Slide 7: DTB Group Corporate Structure
DTB Group Corporate Structure 100.0% Diamond Trust KENYA Bancassurance Intermediary DTB Kenya Banking Subsidiaries 65.7% 67.2% 83.7% TANZANIA UGANDA BURUNDI 100.0% Network Insurance Agency Limited DTB Investor Presentation – Q3 2025 |7
Slide 8: Group Operating Model Amplifying Synergies & Deepening Regional Partnerships
Group Operating Model Amplifying Synergies & Deepening Regional Partnerships GROUP Nasim Devji: Years of service - 29 Group Chief Executive Officer UGANDA KENYA TANZANIA BURUNDI Godfrey Sebaana: Years of service - 2 Murali Natarajan: Years of service - 1 Ida Marie Mabushi: Years of service - 17 Ravn
Slide 9: Sustainability & Citizenship
Sustainability & Citizenship 1 million 2025 Monitored trees Estimated 54,000 tCo2 Sequestration by 2030 2030 Target - 10 million Monitored trees DTB Investor Presentation – Q3 2025 |9
Slide 10: Other Flagship Sustainability & Citizenship Milestones
Other Flagship Sustainability & Citizenship Milestones Sustainable Finance DTB is building a sustainable finance portfolio, to be backed by a credit line and Technical Assistance from DFI Solarisation of DTB Properties • DTB Centre, Nairobi – 15% savings in energy consumption • DT House, Kisumu – 30
Slide 11: ICX Awards 2025
ICX Awards 2025 ❖ People’s Choice Award in Banking (Winner) ❖ Best Social Impact & Sustainability (Winner) ❖ Best Use of Technology (1st Runner-Up) ICX (Institute of Customer Experience) is a leading professional body championing customer service excellence in Kenya and the region. DTB Investor Pres
Slide 12: Resilience & Growth: Q3 2025 Financial Outcomes
RESILIENCE & GROWTH Q3 2025 FINANCIAL OUTCOMES DTB Investor Presentation – Q3 2025 | 12
Slide 13: Financial Summary: Performance Highlights The Group’s Strength & Resilience
Financial Summary : Performance Highlights The Group’s Strength & Resilience KES 296.4 billion KES 9.1 billion KES 5.7 billion 8% 6% 8% Net Loans Fee Income Provisions 17.5% Total CAR KES 510.3 billion 16% KES 34.3 billion KES 11.2 billion 11% 14% Customer Deposits Operating Income Profit Before Tax
Slide 14: DTB Kenya Outperformed Industry and Tier 1 Peers In Deposits Growth
DTB Kenya Outperformed Industry and Tier 1 Peers In Deposits Growth Deposit CAGR 15.9% 6.2% 6.8% 0.9% 11.3% 8.8% 12.5% 12.7% -0.4% 8.8% 9.0% Sep 22-25 YoY growth 3.7% 6.2% Sep 24-25 2.8% 1.2% 4.7% -6.8% 9.7% 4.9% 17.3% 7.7% -0.4% 5,481 5,794 5,458 1,063 1,034 972 4,130 4,306 4,154 643 615 608 511 47
Slide 15: DTB Kenya Loan Book Growth Keeping Pace with Tier 1 Average
DTB Kenya Loan Book Growth Keeping Pace with Tier 1 Average Loans CAGR 13.5% -1.2% 5.1% 2.3% 2.6% 2.2% 7.3% 5.6% 2.4% 5.4% 5.2% Sep 22-25 YoY growth Sep 24-25 17.0% -3.9% 4.4% -0.6% -4.1% 15.7% 1.9% 5.6% -3.3% 5.4% 3.9% 850 3,642 3,767 3,626 737 727 2,888 3,028 2,873 407 422 423 382 356 366 310 309
Slide 16: Kenya PBT Expansion Was The Second Fastest Among Tier 1 Peers
Kenya PBT Expansion Was The Second Fastest Among Tier 1 Peers PBT CAGR 5.8% 4.4% 8.7% 16.3% -2.2% 8.8% 16.0% 0.4% 2.8% 6.4% 8.4% Sep 22-25 YoY growth Sep 24-25 9.3% 50.3% 10.1% 11.9% 9.7% -8.3% 26.4% -44.9% 30.3% 8.7% 10.7% 58 262 232 227 44 40 205 190 35 175 31 27 27 28 28 23 24 22 21 22 20 19 17 1
Slide 17: A Strong & Diversified Group Balance Sheet Underpins Our Strength
A Strong & Diversified Group Balance Sheet Underpins Our Strength Q3’25 Performance (KES billion) Key Performance Highlights Q3 2025 Q3 2024 YOY Balance Sheet Total Assets (Ksh.Bn) Customer deposits (Ksh.Bn) Assets Balances due from Central Banks 48.8 28.5 71.2% 510 Investment in Government Securiti
Slide 18: Subsidiaries Power One-third Of Our Balance Sheet
Subsidiaries Power One-third Of Our Balance Sheet Total Assets (KShs. Bn) 8.7% 641.8 0.6 590.6 4.4 Contribution to Total Assets 0.6 102.6 4.6 Q3-2024 Q3-2025 88.2 106.5 104.5 DTBK 66.5% 66.6% Subsidiaries 33.5% 33.4% • DTBU 17.7% 16.6% • DTBT 15.0% 16.0% 427.7 392.7 • DTBB 0.8% 0.7% • DTBI 0.1% 0.1%
Slide 19: Deposit Growth Continue To Outpace Industry In Kenya, Strong Momentum In Subsidiaries
Deposit Growth Continue To Outpace Industry In Kenya, Strong Momentum In Subsidiaries Deposits (KES Bn) 15.4% Deposits (KES Bn) 510 3 (6%) 3 1% 3 83 442 447 0% 15% 72 77 85 36% 33% 30% (18%) 7% 9% FCY 78 73 (11%) 16% LCY 64% 67% 70% 340 290 294 66% 17% 3% Q3 2024 FY 2024 Q3 2025 Q3 2024 FY 2024 Q3 2
Slide 20: Enhanced Portfolio Diversification For Stability & Enhanced Returns
Enhanced Portfolio Diversification For Stability & Enhanced Returns Focus on LCY for balance sheet and earnings stability Earning Assets (KShs.Bn) 541 Total Gross Loans (KShs.Bn) 486 62 48 9.5% 321.1 293.3 255 282 FCY 43% 38% 183 197 Q3-2024 Q3-2025 LCY 57% 62% Government Securities Customer Loans O
Slide 21: Improving Quality Of Assets Across The Group
Improving Quality Of Assets Across The Group Q3 2024 Q3 2025 Kenya Banking Industry 16.7% 17.1% NPL Ratio DTB NPL Ratio 12.9% 12.3% ❑ Reinforced credit underwriting, COR 2.4% 2.6% monitoring & recovery mechanisms to Impairment 2.4% 2.6% reduce loss rate. Specific prov. Coverage ratio 37.1% 48.3% ❑ S
Slide 22: Sectoral NPL Distribution
Sectoral NPL Distribution Q3 2025 Group NPL Distribution (amounts KShs Bn) 35.8% 14.09 22.1% 8.72 18.4% 7.27 12.2% 4.79 3.7% 2.4% 2.1% 3.1% 0.1% 0.95 0.81 0.1% 1.44 1.22 0.05 0.04 Oil & Gas communication construction Other Tourism Agriculture Manufacturing Consumer Trade Real Estate Buildinge Retail
Slide 23: Income Statement
Income Statement Q3’25 Performance (KES billion) Income Statement Q3 2025 Q3 2024 YOY 25.1 21.3 17.8% Net Interest Income Total Non- Interest Income 9.1 9.7 (6.2%) 34.3 31.0 10.6% Gross Operating Income Operating Expenses 17.4 15.8 10.1% 16.9 15.2 11.2% Operating Profit Before Provisions Loan Loss p
Slide 24: Sustaining Profitability Despite Rising Pressure On Interest Margins
Sustaining Profitability Despite Rising Pressure On Interest Margins Performance Highlights Gross Operating Income Operating Expenses ❑ 10.6% growth in operating income fueled by 17.8% (KShs.Bn) (KShs.Bn) increase in net interest income (KShs 25.1Bn), following a 14.6% decline in interest expenses.
Slide 25: Subsidiaries’ PBT Contribution Remained Healthy, Despite A Slight Decline
Subsidiaries’ PBT Contribution Remained Healthy, Despite A Slight Decline Subsidiary contribution to PBT (KShs Bn) Q3 2024 Q3 2025 1% 2% 1% 2% 4% ❑ Subsidiaries contributed 33% of 7% 0.1 0.1 PBT (40%-Q3 2024) – improved 0.2 0.2 performance for Kenya. 0.7 0.5 26% 2.9 ❑ Resilience in Tanzania driven b
Slide 26: Earnings Stability Underpinning Consistent Shareholder Returns
Earnings Stability Underpinning Consistent Shareholder Returns Earnings Per Share (EPS) Return On Equity (ROE) +14.8% 26.72 11.6% 11.0% 23.27 1.6% 1.8% Q3 2024 Q3 2025 Q3 2024 Q3 2025 Earnings per share (KShs) Return on Assets Return on Equity DTB Investor Presentation – Q3 2025 | 26
Slide 27: 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 28: Bank with us. Bank on us.
Bank with us. Bank on us. DTB Investor Presentation – Q3 2025 | 28
Diamond Trust Bank Kenya — Q3 2025 Earnings Presentation on 6ix