Secure Trust Bank Income Statement

Financials in millions GBP. Fiscal year is January - December.

Millions GBP. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	375.21	366.01	304	203	163.9	192.5
Interest Paid on Deposits	179.5	181.1	136.5	50.4	27.7	41.6
Net Interest Income	195.71	184.91	167.5	152.6	136.2	150.9
Net Interest Income Growth (YoY)	12.03%	10.39%	9.76%	12.04%	-9.74%	3.78%
Gain (Loss) on Sale of Investments	0.1	0.1	0.3	1.1	1.5	-3.1
Other Non-Interest Income	18.4	19	17.2	17	12.7	15.2
Total Non-Interest Income	18.5	19.1	17.5	18.1	14.2	12.1
Non-Interest Income Growth (YoY)	8.19%	9.14%	-3.31%	27.46%	17.36%	-39.80%
Revenues Before Loan Losses	214.21	204.01	185	170.7	150.4	163
Provision for Loan Losses	64.6	61.9	43.2	38.2	5	51.3
Revenue	149.61	142.11	141.8	132.5	145.4	111.7
Revenue Growth (YoY)	4.33%	0.22%	7.02%	-8.87%	30.17%	-15.95%
Salaries and Employee Benefits	-	-	-	55.7	55.2	51.8
Occupancy Expenses	-	-	-	2.6	2.6	2.6
Amortization of Goodwill & Intangibles	-	-	-	1.4	1.5	2
Selling, General & Administrative	0.8	0.8	-	40.6	43.8	36.2
Other Non-Interest Expense	100.81	99.51	100.4	0.3	0.1	-
Total Non-Interest Expense	103.91	102.61	100.4	102.4	104.1	92.6
EBT Excluding Unusual Items	45.7	39.5	41.4	30.1	41.3	19.1
Asset Writedown	-0.4	-0.4	-	-	-	-
Other Unusual Items	-9.4	-8.4	-5.3	-	-	-
Pretax Income	34.4	29.2	36.1	30.1	41.3	19.1
Income Tax Expense	10.8	9.5	9.7	9.4	10.4	3.7
Earnings From Continuing Operations	23.6	19.7	26.4	20.7	30.9	15.4
Earnings From Discontinued Operations	-	-	-2.1	13	14.7	-
Net Income	23.6	19.7	24.3	33.7	45.6	15.4
Net Income to Common	23.6	19.7	24.3	33.7	45.6	15.4
Net Income Growth	-9.23%	-18.93%	-27.89%	-26.10%	196.10%	-50.48%
Basic Shares Outstanding	19	19	19	19	19	19
Diluted Shares Outstanding	19	19	19	19	19	19
Shares Change (YoY)	-0.13%	0.80%	-0.12%	1.29%	0.16%	1.72%
EPS (Basic)	1.24	1.03	1.30	1.80	2.45	0.83
EPS (Diluted)	1.21	1.01	1.26	1.80	2.45	0.81
EPS Growth	-9.21%	-19.59%	-30.13%	-26.24%	202.06%	-51.32%
Dividend Per Share	0.343	0.338	0.322	0.451	0.611	0.440
Dividend Growth	24.73%	4.97%	-28.60%	-26.19%	38.86%	120.00%
Effective Tax Rate	31.39%	32.53%	26.87%	31.23%	25.18%	19.37%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.