Secure Trust Bank Cash Flow 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 Income	17.6	19.7	24.3	33.7	45.6
Depreciation & Amortization	1.9	2	1.6	2.1	2.2
Other Amortization	1.2	1.4	1.2	1.2	1.3
Gain (Loss) on Sale of Assets	-	-	0.2	1.4	-
Total Asset Writedown	-	-	-	-	-0.4
Provision for Credit Losses	58	61.9	43.2	39	4.5
Change in Other Net Operating Assets	-108.2	-358.6	-482.4	-453.5	-259.4
Other Operating Activities	19.8	9.9	8.2	4.3	-3.3
Operating Cash Flow	-7.7	-261.4	-402.6	-378.7	-207.1
Capital Expenditures	-1.6	-1	-2.7	-2.7	-1.3
Sale of Property, Plant and Equipment	1.9	-	-	-	-
Investment in Securities	-1	-	-	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	-	-	81.9	60.4
Investing Cash Flow	-1.8	-1	-2.7	82.5	59.1
Long-Term Debt Issued	250	125.8	70	7	114.4
Long-Term Debt Repaid	-408	-161.4	-30.6	-1	-0.9
Net Debt Issued (Repaid)	-158	-35.6	39.4	6	113.5
Issuance of Common Stock	0.2	0.2	1.7	-	-
Repurchase of Common Stock	-0.2	-1.4	-1.2	-0.3	-
Common Dividends Paid	-6.4	-5.2	-8.4	-10.7	-11.9
Net Increase (Decrease) in Deposit Accounts	264.7	373.1	357.2	411.4	110.7
Financing Cash Flow	100.3	331.1	388.7	406.4	212.3
Net Cash Flow	90.8	68.7	-16.6	110.2	64.3
Free Cash Flow	-9.3	-262.4	-405.3	-381.4	-208.4
Free Cash Flow Margin	-6.95%	-198.34%	-285.82%	-287.85%	-143.33%
Free Cash Flow Per Share	-0.47	-13.51	-21.04	-19.77	-10.94
Cash Interest Paid	65.2	-	-	-	-
Cash Income Tax Paid	12	8.8	8.6	7	12.6