Diamond Trust Bank (DTB) today announced its financial results for the year ended 31 December 2025, delivering strong growth across key financial indicators.
Pre- tax profits rose by a significant 26% whilst profit after tax increased by 21% to KShs 10.7 billion. This reflected a significant 15% increase in total assets, a 14% rise in top-line revenues and strict cost discipline across the franchise, which restrained growth in operating expenses to 7% during the year. Customer deposits surpassed the half a trillion threshold, rising by 14% during the year, to close at KShs 509 billion. Net loans also grew by 14%, closing the year at KShs 324billion.
This was driven by a sustained expansion in the customer base, which, across East Africa, grew to 4.5 million at the end of 2025, from 3.1 million a year earlier, on the back of a 157-strong and growing branch footprint and by leveraging ecosystem banking to grow the mid-markets, SME and retail segments.
The Bank’s non-performing loan (NPL) ratio declined to 10.8% from 12.3% in the prior year, reflecting an improving credit environment. The Group’s specific coverage ratio also improved to 51.1% from 39.6%. DTB remains focused on further improving this with a target to achieve a single-digit NPL ratio by the end of 2026. Shareholders’ equity crossed the 100 billion mark, underscoring the Bank’s strong capital base and long-term financial resilience.
USSD codes for banks and Micro Finance Institutions (MFIs) in Kenya
In recognition of the Bank’s strong performance, the Board of Directors has recommended an increased dividend of KShs 9 per share, reaffirming its commitment to delivering sustainable value to shareholders.
Commenting on the results, Group Chief Executive Officer Nasim Devji said, “These results reflect the strength of our strategy and the resilience of our 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. At the same time, we remain committed to building a bank that creates long-term value for all our stakeholders.”
DTB Kenya’s CEO, Murali Natarajan, added, “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.”
This performance is anchored in DTB’s commitment to profit with purpose, ensuring that
Financial success translates into meaningful social and environmental impact. As at the end of 2025, the Bank grew over one million trees under its Much More Than Trees initiative, contributing to climate action and ecosystem restoration, reached more than 30,000 girls through its Achieve More Girl programme supporting menstrual health and education, and trained over 10,000 individuals and MSMEs in financial literacy and enterprise development, strengthening livelihoods and economic resilience.
Looking ahead, DTB will continue to focus on its business growth, digital innovation, and supporting customers across segments and sectors, while advancing its sustainability agenda.
