DTB group 3Q21 EPS edged up 20.00% to KES 17.28 higher than our expectations of KES15.65. PAT edged up 20.10% y/y to KES 5.20Bn driven by a 3.03% y/y increase in Total operating income to KES 19.52Bn supported by interest income from Government securities. Customer deposits grew 12.35% (better than our forecast of a flat growth) to KES 323.74Bn while the loan book remaining flat at KES 205.55Bn (in line with our expectation of a flat growth).