Diamond Trust Bank Kenya Limited (DTB) has announced a reduction in its base lending rate for Kenya Shilling–denominated credit facilities.
In a notice dated November 6, the lender announced that it has lowered its DTB Base Rate from 13.77% per annum to 13.59% per annum, effective November 1, 2025.
The adjustment applies to all variable interest rate loans pegged on the bank’s base rate.
“Diamond Trust Bank Kenya Limited (DTB) wishes to notify its esteemed customers and the general public that it has reduced the DTB Base Rate for variable interest rate Kenya Shilling denominated credit facilities from 13.77% per annum to 13.59% per annum, effective 1 November 2025.”
Diamond Trust Bank stated that the final interest rate charged on such facilities will continue to be calculated using the formula: the DTB Base Rate plus a variable margin reflecting each customer’s specific credit risk premium.
Kenyans to Pay Less on Loans
“The methodology for calculating the interest rate for variable rate Kenya Shilling denominated credit facilities shall be the sum of: DTB’s Base Rate; and Variable Margin representing the customer-specific Credit Risk Premium.”
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“We thank our customers for their continued support and partnership.”
The 0.18 percentage point reduction is expected to provide some relief to borrowers amid a period of tight liquidity and elevated lending costs in the financial sector.
Customers with existing variable-rate loans, including personal, business, and mortgage facilities are likely to see a slight decrease in their loan repayments beginning this month.
Diamond Trust Bank encouraged customers seeking clarification to contact their relationship managers, visit the nearest branch, or reach out through the bank’s contact center at 0719 031 888.
CBK Lowering Bank Rates
The Central Bank of Kenya (CBK) lowered its lending rate (CBR) by 25 basis points, bringing it down to 9.25% from 9.50%.
In a statement following its Monetary Policy Committee (MPC) meeting on October 7, 2025, the Central Bank of Kenya (CBK) announced that the decision was reached after careful consideration of both domestic and global economic developments.
“The Monetary Policy Committee (MPC) decided to lower the Central Bank Rate (CBR) by 25 basis points to 9.25 percent from 9.50 percent, during its meeting held on October 7, 2025,” read the statement.
The Committee concluded that there was room to ease monetary policy further by lowering the CBR by 25 basis points, in order to stimulate private sector lending and support economic growth, while maintaining stable inflation expectations and the exchange rate after considering prevailing economic conditions.
Diamdong Trust Bank 2025 Performance
DTB posted a strong financial performance in 2025, continuing its growth trajectory despite a challenging economic environment.
For the quarter ended March 31, 2025, the lender recorded a net profit after tax of KSh 3.23 billion, representing a 9.9% increase from KSh 2.94 billion in the same period last year.
The growth was primarily driven by a solid expansion in interest income and a larger loan book.
DTB’s net interest income rose to Ksh7.66 billion, up from Ksh7.09 billion a year earlier, as the bank’s loan portfolio grew by 6% to Ksh284.26 billion.
However, non-interest income declined by 18.5% to Ksh3.02 billion, down from Ksh3.71 billion in the previous year.
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The drop was largely attributed to a 55.6% fall in foreign exchange income, which fell to Ksh745.95 million amid a slowdown in trading activities.
Half-year Results
The lender’s operating expenses declined by 2.9% to Ksh6.62 billion, showing effective cost management and a reduction in credit loss provisions.
Loan-loss provisions fell by 42.7% to KSh886.26 million, even as gross non-performing loans inched up to Ksh39.68 billion from Ksh37.85 billion.
In the half-year results to June 30, 2025, DTB maintained its upward momentum, recording a profit after tax of Ksh 4.77 billion, compared to Ksh 4.34 billion in the same period a year earlier.
Net interest income rose 11.8% to Ksh15.86 billion, while non-interest income declined slightly by 5% to Ksh6.07 billion.
Total assets increased by 4.5% to Ksh611.5 billion, with customer deposits growing 11.9% to Ksh483.17 billion and the loan book expanding 7.7% to Ksh288.46 billion.
It was founded in 1946, Diamond Trust Bank is one of Kenya’s leading tier-one lenders, with a strong presence across East Africa.
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