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
Net Interest Income	198.6	184.9	167.5	152.6	136.2
Net Interest Income Growth	7.41%	10.39%	9.76%	12.04%	-9.74%
Non-Interest Income	14.9	19	17.2	17	12.7
Non-Interest Income Growth	-21.58%	10.46%	1.18%	33.86%	-16.45%
Revenues Before Loan Losses	213.5	203.9	184.7	169.6	148.9
Provision for Credit Losses	58	61.9	43.2	38.2	5
Revenue	155.5	142	141.5	131.4	143.9
Revenue Growth (YoY)	9.51%	0.35%	7.69%	-8.69%	25.35%
Selling, General & Admin	104.2	103.8	99.7	93.2	89.4
Other Non-Interest Expenses	23.8	9	5.7	-0.8	-1.4
Total Non-Interest Expense	128	112.8	105.4	92.4	88
Pretax Income	27.5	29.2	36.1	39	55.9
Provision for Income Taxes	9.9	9.5	9.7	9.4	10.4
Net Income	17.6	19.7	26.4	29.6	45.5
Earnings From Discontinued Operations	-	-	-2.1	4.1	0.1
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%
Shares Outstanding (Basic)	19	19	19	19	19
Shares Outstanding (Diluted)	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	1.75	2.39
EPS Growth	-12.23%	-19.59%	-27.82%	-27.03%	195.56%
Free Cash Flow	254.3	110.7	-45.4	30	-97.7
Free Cash Flow Growth	129.72%	-	-	-	-
Free Cash Flow Per Share	12.86	5.70	-2.36	1.56	-5.13
Dividends Per Share	0.355	0.338	0.322	0.451	0.611
Dividend Growth	5.03%	4.97%	-28.60%	-26.19%	38.86%
Profit Margin	11.32%	13.87%	18.66%	22.53%	31.62%
FCF Margin	163.54%	77.96%	-32.08%	22.83%	-67.89%
Effective Tax Rate	36.00%	32.53%	26.87%	24.10%	18.60%