Logotype for Secure Trust Bank PLC

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.
Logotype for Secure Trust Bank PLC
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.

Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.

Next Secure Trust Bank earnings date

Logotype for Secure Trust Bank PLC
Q3 202531 Oct, 2025
Your earnings 
season toolkit.
Download
Free on both iOS & Android.

Next Secure Trust Bank earnings date

Logotype for Secure Trust Bank PLC
Q3 202531 Oct, 2025

The essential earnings season companion

The #1 app for live earnings calls, transcripts, analyst estimates, 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.

Research anytime, anywhere

Built for professionals. Loved by everyone. Try our free mobile app.

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.
App-store-avatar.png play-store-avatar.png
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.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
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.
App-store-avatar.png play-store-avatar.png
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.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@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.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@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.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@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