By Peter John
Diamond Trust Bank (DTB) has reported a strong set of financial results for the year ended December 31, 2025, marked by significant profit growth, an expanding customer base, and improved asset quality, reinforcing its position as a leading financial institution in the region.
The bank’s pre-tax profit rose by 26%, while profit after tax increased by 21% to KShs 10.7 billion.
This growth was supported by a 14% rise in revenues and a 15% expansion in total assets, reflecting sustained business momentum.
At the same time, DTB maintained strict cost discipline, limiting the growth in operating expenses to just 7%, a move that contributed to enhanced operational efficiency.
Customer deposits crossed a major milestone during the year, surpassing KShs 500 billion to reach KShs 509 billion, representing a 14% increase.
Net loans also grew by 14% to KShs 324 billion, indicating steady demand for credit and the bank’s continued support for businesses and households across East Africa.
A notable driver of this performance has been DTB’s rapidly expanding customer base, which grew to 4.5 million in 2025 from 3.1 million the previous year.
This growth has been fueled by the bank’s expanding branch network and its focus on ecosystem banking, particularly targeting SMEs, retail customers, and mid-market segments.
The bank also reported an improvement in asset quality, with its non-performing loan (NPL) ratio declining to 10.8% from 12.3% in 2024.
Its specific coverage ratio rose to 51.1%, signaling stronger provisioning against potential loan defaults. DTB aims to further reduce its NPL ratio to single digits by the end of 2026.
In line with its strong performance, the Board of Directors has proposed an increased dividend of KShs 9 per share, underlining the bank’s commitment to delivering value to shareholders while sustaining growth.
Commenting on the results, Group CEO Nasim Devji said the performance reflects the strength of the bank’s strategy and its resilient business model.
She noted that continued investment in digital innovation has enabled DTB to enhance customer experience and expand access to financial services across its markets.
DTB Kenya CEO Murali Natarajan emphasized that the bank’s success goes beyond financial returns, highlighting its role in supporting communities, promoting financial inclusion, and contributing to environmental sustainability.
This commitment is reflected in DTB’s social impact initiatives.
By the end of 2025, the bank had planted over one million trees through its environmental programs, reached more than 30,000 girls with menstrual health and education support, and trained over 10,000 individuals and small businesses in financial literacy and enterprise development.
As it looks ahead, DTB remains focused on driving growth, deepening digital transformation, and advancing its sustainability agenda.
With a strong capital base, improved asset quality, and a clear strategic direction, the bank is well positioned to sustain its upward trajectory while creating long-term value for its stakeholders.
