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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.
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.
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