DTB Oyugis branch/photo/courtesy.
Diamond Trust Bank Kenya Limited (DTB) has announced it will implement a revised Risk-Based Credit Pricing Model (RBCPM) on existing local-currency variable-rate loans beginning next year, in line with Central Bank of Kenya (CBK) guidelines.
In a public notice, the lender said the revised model will apply to facilities issued on or before November 30, 2025, with the changes taking effect on February 28, 2026.
According to DTB, the new pricing framework will affect only the outstanding portions of existing loans.
“DTB adopted the revised Risk-Based Credit Pricing Model for local-currency variable-rate loans for new facilities with effect from December 1, 2025, in line with Central Bank of Kenya guidelines,” the bank stated.
Under the revised model, loan pricing will align with the Central Bank Rate (CBR), with an additional customer-specific Risk Premium (K).
DTB explained that the premium will reflect a borrower’s risk profile and other applicable components as set out by the regulator.
“Facilities will be priced using the Central Bank Rate plus a customer-specific Risk Premium, reflecting the borrower’s risk profile and other applicable components in accordance with CBK guidelines,” the notice read.
The bank emphasized that the move is part of its commitment to transparency and responsible lending, assuring customers that there will be no hidden charges arising from the change.
