Secure Trust Bank Balance Sheet

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
Cash & Equivalents	528.1	445	351.6	370.1	235.7
Securities and Investments	1	-	-	-	25
Short-Term Interbank Lending and Reverse Repurchase Agreements	36.8	24	53.7	50.5	50.3
Trading Assets	0.2	14.3	25.5	34.9	3.8
Other Earning Assets	31.4	-6.8	-3.9	-32	1.2
Net Loans	3,296	3,609	3,315	2,920	2,531
Net Property, Plant & Equipment	11.8	11.5	12.6	11.2	11
Other Intangible Assets	5.1	5	5.9	6.6	6.9
Other Non-Earning Assets	405.8	15.2	17.3	19	21.2
Total Assets	4,316	4,117	3,778	3,380	2,886
Total Deposits	3,510	3,245	2,872	2,515	2,103
Short-Term Interbank Borrowing and Repurchase Agreements	205.9	365.8	402	400.5	390.8
Trading Liabilities	0.1	10	22	26.7	6.2
Long-Term Debt	93.5	93.3	93.1	51.1	50.9
Other Liabilities	132.6	42.2	44.6	60.5	32.4
Total Liabilities	3,942	3,756	3,434	3,053	2,584
Common Stock	7.6	7.6	7.6	7.5	7.5
Additional Paid-in Capital	84.2	84	83.8	82.2	82.2
Accumulated Other Comprehensive Income	-1.9	-2.2	-1.7	-1.1	-0.3
Retained Earnings	284.4	271.1	254.8	237.8	212.8
Shareholders' Equity	374.3	360.5	344.5	326.4	302.2
Total Liabilities & Equity	4,316	4,117	3,778	3,380	2,886
Total Debt	93.5	93.3	93.1	51.1	50.9
Net Cash (Debt)	-93.5	-93.3	-93.1	-51.1	-50.9
Net Cash Per Share	-4.73	-4.80	-4.83	-2.65	-2.67
Book Value	374.3	360.5	344.5	326.4	302.2
Book Value Per Share	18.93	18.56	17.88	16.92	15.87
Tangible Book Value	369.2	355.5	338.6	319.8	295.3
Tangible Book Value Per Share	18.68	18.30	17.57	16.58	15.51