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Secure Trust Bank (STB) investor relations material
Secure Trust Bank Q3 2025 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 TU earnings summary9 Oct, 2025
Executive summary
Net lending book declined 4.1% in Q3'25 due to accelerated run-off of Non-Core Vehicle Finance and a small decrease in Core business.
Core business net lending grew 10.3% year-over-year, with Retail Finance up 9.1% and Real Estate Finance up 12.6%.
Strategic pivot away from Vehicle Finance, with new lending ceased and existing book in run-off.
Financial highlights
Core net lending at £3,202m in Q3'25, down 2.2% sequentially but up 10.3% year-over-year.
Non-Core net lending at £469m, down 15.8% sequentially and 12.4% year-over-year.
Total deposits at £3,449m, down 1.7% sequentially but up 9.8% year-over-year.
Core new business in Q3'25 was £426m, slightly above Q3'24 but below Q2'25 due to seasonality and softer Commercial Finance.
Outlook and guidance
Underlying profit before tax for FY25 expected to fall below market expectations by up to £9m due to Vehicle Finance performance.
Management remains confident in approximately 30% year-over-year growth in underlying profit before tax.
Further details on exceptional costs related to Vehicle Finance exit to be provided in the 2025 Annual Report.
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Next Secure Trust Bank earnings date
H2 202520 Mar, 2026
Next Secure Trust Bank earnings date
H2 202520 Mar, 2026
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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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