)
Visual21 Nov 2025
Data center suppliers
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 book in run-off.
Project Fusion cost optimisation on track for £8m annualised savings by end-2025.
Interim dividend increased to 11.8p per share, reflecting a progressive policy.
CEO transition underway, with Ian Corfield to succeed David McCreadie.
Financial highlights
Net interest income increased 12.2% to £99.0m; operating income up 10.6% to £106.3m.
Net lending grew 6.1% to £3.8bn; deposits up 8.2% to £3.5bn.
Adjusted cost-income ratio improved to 49.1%, down 460bps year-over-year; cost growth limited to 1.2%.
Net interest margin increased to 5.4% (up 0.1pp year-over-year).
Tangible book value per share up 3.9% to £19.37; shareholders' equity up 3.8%.
Outlook and guidance
On track to achieve £4bn net lending target in the near term.
Targeting cost-income ratio of 44%-46% and return on average equity of 14%-16% in the medium term.
Further cost reductions of £25m expected by 2030, with 65% by 2027, mainly from Vehicle Finance run-off.
Details of refreshed strategic plan and new medium-term ambitions to be announced at Q4 2025 capital markets event.
Interest rates expected to remain stable in 2025, with cuts anticipated in 2026.
Detail strategic plan announcement in Q4.
What's driving Retail Finance NIM increase?
Assess impact of Basel 3.1 on capital.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Secure Trust Bank earnings date
Q3 20255 Dec, 2025
Next Secure Trust Bank earnings date
Q3 20255 Dec, 2025
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage