Secure Trust Bank Income Statement

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

Millions GBP. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	301.8	296.8	304	203	163.9
Interest Paid on Deposits	150.7	159.5	136.5	50.4	27.7
Net Interest Income	151.1	137.3	167.5	152.6	136.2
Net Interest Income Growth (YoY)	10.05%	-18.03%	9.76%	12.04%	-9.74%
Gain (Loss) on Sale of Investments	-	-	0.3	1.1	1.5
Other Non-Interest Income	14.1	18.2	17.2	17	12.7
Total Non-Interest Income	14.1	18.2	17.5	18.1	14.2
Non-Interest Income Growth (YoY)	-22.53%	4.00%	-3.31%	27.46%	17.36%
Revenues Before Loan Losses	165.2	155.5	185	170.7	150.4
Provision for Loan Losses	31.4	23.2	43.2	38.2	5
Revenue	133.8	132.3	141.8	132.5	145.4
Revenue Growth (YoY)	1.13%	-6.70%	7.02%	-8.87%	30.17%
Salaries and Employee Benefits	-	-	-	55.7	55.2
Occupancy Expenses	-	-	-	2.6	2.6
Amortization of Goodwill & Intangibles	-	-	-	1.4	1.5
Selling, General & Administrative	-	-	-	40.6	43.8
Other Non-Interest Expense	72.5	69.1	100.4	0.3	0.1
Total Non-Interest Expense	74.5	71.4	100.4	102.4	104.1
EBT Excluding Unusual Items	59.3	60.9	41.4	30.1	41.3
Other Unusual Items	-	-	-5.3	-	-
Pretax Income	59.3	59.4	36.1	30.1	41.3
Income Tax Expense	14.7	16	9.7	9.4	10.4
Earnings From Continuing Operations	44.6	43.4	26.4	20.7	30.9
Earnings From Discontinued Operations	-27	-23.7	-2.1	13	14.7
Net Income	17.6	19.7	24.3	33.7	45.6
Net Income to Common	17.6	19.7	24.3	33.7	45.6
Net Income Growth	-10.66%	-18.93%	-27.89%	-26.10%	196.10%
Basic Shares Outstanding	19	19	19	19	19
Diluted Shares Outstanding	20	19	19	19	19
Shares Change (YoY)	1.79%	0.80%	-0.12%	1.29%	0.16%
EPS (Basic)	0.94	1.03	1.30	1.80	2.45
EPS (Diluted)	0.89	1.01	1.26	1.80	2.45
EPS Growth	-12.27%	-19.54%	-30.13%	-26.24%	202.06%
Dividend Per Share	0.355	0.338	0.322	0.451	0.611
Dividend Growth	5.03%	4.97%	-28.60%	-26.19%	38.86%
Effective Tax Rate	24.79%	26.94%	26.87%	31.23%	25.18%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.