Diamond Trust Bank (DTB) closed 2025 with pre-tax profit up 26% and profit after tax rising 21% to KShs 10.7 billion — results the Group attributes to deposit growth, a fast-expanding customer base, and controlled costs across its East African franchise.
Total assets grew 15% while operating expenses rose just 7%, reflecting the cost discipline the bank maintained even as it scaled.
Financial Results at a Glance
Group Performance
| Metric | 2024 (KShs 000) | 2025 (KShs 000) | Change |
|---|---|---|---|
| Total Interest Income | 59,311,745 | 60,997,356 | +3% |
| Total Interest Expenses | 31,213,636 | 26,114,575 | -16% |
| Net Interest Income | 28,098,109 | 34,882,781 | +24% |
| Total Operating Income | 41,084,385 | 46,692,074 | +14% |
| Total Operating Expenses | 29,975,446 | 32,738,352 | +7% |
| Profit Before Tax | 11,070,410 | 13,934,108 | +26% |
| Profit After Tax | 8,819,409 | 10,707,199 | +21% |
| Total Assets | 573,886,914 | 659,118,478 | +15% |
| Customer Deposits | 447,216,813 | 509,139,215 | +14% |
| Net Loans and Advances | 285,296,663 | 324,172,604 | +14% |
| Total Equity | 92,356,662 | 113,038,968 | +22% |
Bank-Only Performance
| Metric | 2024 (KShs 000) | 2025 (KShs 000) | Change |
|---|---|---|---|
| Net Interest Income | 17,056,345 | 23,684,894 | +39% |
| Profit Before Tax | 6,556,307 | 9,149,263 | +40% |
| Profit After Tax | 5,310,487 | 7,857,046 | +48% |
| Total Assets | 381,136,850 | 449,213,598 | +18% |
| Customer Deposits | 294,072,059 | 343,963,066 | +17% |
Deposits Cross Half a Trillion
Customer deposits surpassed KShs 500 billion for the first time, closing the year at KShs 509 billion, a 14% increase. Net loans grew at the same pace, ending the year at KShs 324 billion. Shareholders’ equity crossed the KShs 100 billion mark, up 22% to KShs 113 billion.
The deposit growth was underpinned by a sharp rise in the customer base. DTB served 4.5 million customers across East Africa by the end of 2025, up from 3.1 million a year earlier. The bank reached that number through a 157-branch network and a push into ecosystem banking targeting the mid-market, SME, and retail segments.
Asset Quality Improves
The Group’s non-performing loan ratio fell to 10.8% from 12.3% in 2024. The specific coverage ratio improved to 51.1% from 39.6%, meaning the bank now sets aside more provisions relative to its impaired loans. DTB has set a target to bring the NPL ratio into single digits by end of 2026.
Capital and Liquidity Position
| Indicator | Group 2025 | Bank 2025 |
|---|---|---|
| Core Capital | KShs 56.52bn | KShs 49.88bn |
| Total Capital | KShs 61.41bn | KShs 54.07bn |
| Core Capital Ratio | 15.7% | 15.7% |
| Total Capital Ratio | 16.9% | 16.9% |
| Liquidity Ratio | 54.6% | 49.9% |
| Minimum Liquidity Ratio | 20.0% | 20.0% |
All capital and liquidity ratios exceeded regulatory minimums. The Bank’s liquidity ratio sits more than double the 20% statutory requirement.
Group CEO Nasim Devji said the results reflect the strength of the bank’s strategy and the resilience of its business model.
“We have delivered quality growth while maintaining strong discipline and enhancing operational efficiency. Our continued investment in digital capabilities is enabling us to serve our customers better and expand access to financial services across our markets,” she said.
DTB Kenya CEO Murali Natarajan pointed to impact beyond the income statement.
“Our performance is not only measured by financial returns, but also by the impact we create. Through our initiatives, we are supporting communities, advancing financial inclusion, and contributing to climate action. This balance between performance and purpose is central to how we operate and how we will continue to grow.”
Burundi Sale and 2024 Restatement
In September 2025, DTB agreed to sell its Burundi subsidiary to a consortium of investors based in Burundi. The transaction was finalised on 31 December 2025. Because the Burundi operations had not been classified as discontinued in the 2024 accounts, the comparative figures in the comprehensive income statement have been restated to present those operations separately.
Beyond the Balance Sheet
DTB frames its 2025 performance within what it describes as a profit with purpose commitment, the idea that financial returns should translate into measurable social and environmental outcomes.
By end of 2025, the bank had grown over one million trees under its Much More Than Trees initiative, reached more than 30,000 girls through its Achieve More Girl programme focused on menstrual health and education, and trained over 10,000 individuals and MSMEs in financial literacy and enterprise development.
Dividend
The Board recommended a dividend of KShs 9.00 per share for 2025, up from KShs 7.00 per share in 2024. The Share Register closes on 22 May 2026, with payment made from 26 June 2026.
