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	3.1	3.4	2.8	3.3	3.5
Provision for Credit Losses	58	61.9	43.2	39	4.5
Stock-Based Compensation	2	2.3	1.1	2	1
Other Adjustments	19.8	9.9	8.4	-3.2	-2.3
Changes in Other Operating Activities	55.9	-8.8	-42.1	43	-19.1
Operating Cash Flow	257	111.7	-45.4	32.7	-96.4
Operating Cash Flow Growth	130.08%	-	-	-	-
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	-5.1	5	-1.3	0.6	-1.9
Net Change in Loans Held-for-Investment	-159	-354.8	-439	-497.1	-238.4
Net Change in Securities and Investments	-1	-	-	0	0
Proceeds from Business Divestments	-	-	-	81.9	60.4
Capital Expenditures	-2.7	-1	-	-2.7	-1.3
Sale of Property, Plant & Equipment	1.9	-	-	3.3	-
Investing Cash Flow	-1.8	-1	-440.3	82.5	59.1
Net Change in Deposits	264.7	373.1	357.2	411.4	110.7
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	73.3	125.8	-	7	114.4
Long-Term Debt Repaid	-230	-160	-	-	-
Net Long-Term Debt Issued (Repaid)	-230	-160	-	-	-
Issuance of Common Stock	0.2	0.2	-	-	-
Repurchase of Common Stock	-0.2	-1.4	-	-0.3	-
Net Common Stock Issued (Repurchased)	0	-1.2	-	-0.3	-
Common Dividends Paid	-6.4	-5.2	-	-10.7	-11.9
Other Financing Activities	-1.3	-1.4	-	-1	-0.9
Financing Cash Flow	-164.4	-42	357.2	-5	101.6
Net Cash Flow	90.8	68.7	-128.5	110.2	64.3
Free Cash Flow	254.3	110.7	-45.4	30	-97.7
Free Cash Flow Growth	129.72%	-	-	-	-
FCF Margin	163.54%	77.96%	-32.08%	22.83%	-67.89%
Free Cash Flow Per Share	12.86	5.70	-2.36	1.56	-5.13