Secure Trust Bank PLC (LON:STB)

Secure Trust Bank Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	23.6	19.7	24.3	33.7	45.6	15.4
Depreciation & Amortization	1.8	2	1.6	2.1	2.2	2.3
Other Amortization	1.4	1.4	1.2	1.2	1.3	1.8
Gain (Loss) on Sale of Assets	-	-	0.2	1.4	-	0.5
Gain (Loss) on Sale of Investments	-	-	-	-	-	3.1
Total Asset Writedown	-	-	-	-	-0.4	1.1
Provision for Credit Losses	64.6	61.9	43.2	39	4.5	51.3
Change in Other Net Operating Assets	-492.2	-358.6	-482.4	-453.5	-259.4	47.8
Other Operating Activities	12	9.9	8.2	4.3	-3.3	0.4
Operating Cash Flow	-386.7	-261.4	-402.6	-378.7	-207.1	123.4
Capital Expenditures	-0.9	-1	-2.7	-2.7	-1.3	-0.8
Investment in Securities	-	-	-	-	-	25
Purchase / Sale of Intangibles	-	-	-	-	-	-1.1
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	-	-	81.9	60.4	-
Investing Cash Flow	1	-1	-2.7	82.5	59.1	23.1
Long-Term Debt Issued	-	125.8	70	7	114.4	-
Long-Term Debt Repaid	-	-161.4	-30.6	-1	-0.9	-32.7
Net Debt Issued (Repaid)	-95.3	-35.6	39.4	6	113.5	-32.7
Issuance of Common Stock	-	0.2	1.7	-	-	1.1
Repurchase of Common Stock	-1.2	-1.4	-1.2	-0.3	-	-
Common Dividends Paid	-6.3	-5.2	-8.4	-10.7	-11.9	-
Net Increase (Decrease) in Deposit Accounts	467.4	373.1	357.2	411.4	110.7	-27.8
Financing Cash Flow	364.6	331.1	388.7	406.4	212.3	-59.4
Net Cash Flow	-21.1	68.7	-16.6	110.2	64.3	87.1
Free Cash Flow	-387.6	-262.4	-405.3	-381.4	-208.4	122.6
Free Cash Flow Margin	-259.07%	-184.65%	-285.82%	-287.85%	-143.33%	109.76%
Free Cash Flow Per Share	-19.89	-13.51	-21.04	-19.77	-10.94	6.45
Cash Income Tax Paid	9.6	8.8	8.6	7	12.6	4.8

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