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Visual24 Oct 2025
The rise of Alphabet
Secure Trust Bank (STB) investor relations material
Secure Trust Bank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary14 Aug, 2025
Executive summary
Adjusted profit before tax rose 36.3% to £23.3m, driven by strong lending and deposit growth, cost discipline, and improved returns.
Strategic pivot away from Vehicle Finance to focus on higher-returning core businesses, with new lending ceased and cost savings planned.
Digital adoption accelerated, with 250,000+ retail finance customers using the new mobile app.
Project Fusion cost optimisation on track for £8m annualised savings by end-2025.
CEO transition underway, with new leadership to present updated strategy in Q4.
Financial highlights
Net interest income rose 12.2% to £99.0m; operating income up 10.6% to £106.3m.
Net lending grew 6.1% to £3.8bn; customer deposits up 8.2% to £3.5bn.
Net interest margin improved to 5.4% (up 0.1pp year-over-year); risk-adjusted margin stable at 4.1%.
Adjusted cost income ratio improved by 460bps to 49.1%; cost growth limited to 1.2%.
Interim dividend increased to 11.8p per share.
Outlook and guidance
Confident in delivering 14–16% return on average equity in the near term; Core ROAE reached 13.7%.
Net interest margin expected to decline as Vehicle Finance winds down, but remain above 5%.
Cost growth expected to normalize to ~5% per year after 2025, following one-off savings.
Details of refreshed strategic plan and new medium-term ambitions to be announced in Q4 2025.
On track to achieve £4bn net lending target in the near term.
Detail strategic plan announcement in Q4.
What's driving Retail Finance NIM increase?
Assess impact of Basel 3.1 on capital.
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Next Secure Trust Bank earnings date
Q3 202531 Oct, 2025
Next Secure Trust Bank earnings date
Q3 202531 Oct, 2025
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Frequently asked questions
Secure Trust Bank Plc provides banking and financial products and services in the United Kingdom. The company’s Real Estate Finance segment offers loans for residential and commercial investment, as well as loans for mixed development projects. Its Commercial Finance segment offers invoice financing solutions, including invoice discounting and factoring, coronavirus business interruption loan scheme finance to businesses. The Vehicle Finance segment distributes its motor finance products through motor dealers, brokers, internet introducers and dealerships.
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