You said DTB is a better bet and counter to hold compared to KCB.
We can compare Total Returns for each in April 2027 as you had suggested.

Ask yourself whether management's interests are aligned with yours or not. Probably not. DTB does NOT exist to maximise shareholder value through the normal route of share price appreciation and dividends.

Instead it is a deposit pooling mechanism for some key constituents. They are encouraged to bank with DTB to get very high interest rates on their deposits and also to access some jumbo-sized business loans. Very frequently the latter go belly up.

Check how much is paid as interest expenses. Very high. Those are the main stakeholders.
Check the level of bad loan provisioning. Very high. Possibly to also minimise taxes as far as possible.
Check how much is paid to staff. Very low compared to banks of similar size.
Check how much is paid to 'shareholders' in the form of dividends. Very low to keep high cash levels for the true stakeholders.

Now, that said. I am buying some DTB shares because they are super cheap and I am holding out that some day in future the interests of the true shareholders will prevail.

I had 3 banks in my list for a reason. 1/3 each for Equity, DTB and SCBK.

I am happy to compare my portfolio to yours in 2027.

I have ABSA,Co-operative bank and KCB.
Twende kazi.

@VituVingiSana, does the persistent insecurity in parts of DRC constitute a big threat for banks doing business in DRC?

There is something very wrong with their asset deployment, loans and government paper are more than Absa but they can't touch Absa on Interest Income, what is eating what?