Business Segments Secure Trust Bank PLC

Equities

Market Closed - London S.E. Other stock markets 16:35:14 05/03/2026 GMT			5-day change	1st Jan Change
1,435.00 ^GBX	-1.03%		-5.59%	+15.26%

03-04	Millions in UK could get motor finance compensation in 2026	AN
02-25	Secure Trust Bank announces completion of sale of Consumer Vehicle Finance	RE

Breakdown by Business Segment (GBP)

Fiscal Period: December	2020	2021	2022	2023	2024
Diversified Commercial Banks
Consumer Finance - Retail Finance	70.7M	67.7M	78M	60.4M	76.7M
Total Assets	-	-	-	1.22B	1.36B
Interest Expense	-	-	-	-33.4M	-53.9M
EBT	-	-	-	-	50.6M
Operating Income	-	-	-	-	90M
Other	3.4M	-1.1M	7.4M	7.4M	5.8M
Interest Expense	-	-	-	-29.4M	-33.5M
EBT	-	-	-	-	-31.3M
Operating Income	-	-	-	-	5.8M
Business Finance - Asset Finance	1.5M	300K	-	-	-
Mortgage Bankers and Loan Correspondents
Business Finance - Real Estate Finance	54M	54.8M	57.7M	26.1M	29M
Total Assets	-	-	-	1.24B	1.34B
Interest Expense	-	-	-	-44.7M	-54.5M
EBT	-	-	-	-	19M
Operating Income	-	-	-	-	33M
Consumer Finance - Consumer Mortgages	3.4M	1.3M	-	-	-
Credit Agencies
Business Finance - Commercial Finance	15.2M	17.4M	29.3M	16.5M	20.8M
Total Assets	-	-	-	381M	351M
Interest Expense	-	-	-	-14M	-17.6M
EBT	-	-	-	-	12.7M
Operating Income	-	-	-	-	26.7M
Personal Credit Agencies
Consumer Finance - Vehicle Finance	45.5M	39.3M	48M	31.1M	9.7M
Total Assets	-	-	-	467M	558M
Interest Expense	-	-	-	-15M	-21.6M
EBT	-	-	-	-	-21.8M
Operating Income	-	-	-	-	48.4M
Commercial Repair Services
Consumer Finance - Debt Management	14.8M	14.6M	9.4M	-	-
Foreign Banking and Branches Of Foreign Banks
Consumer Finance - Personal Lending	-	-	-	-	-

Geographical breakdown of sales (GBP)

Fiscal Period: December	2020	2021	2022	2023	2024
United Kingdom	118M	160M	132M	142M	142M
Total Assets	2.66B	2.89B	3.38B	3.78B	4.12B
Interest Expense	-41.6M	-29.2M	-50.4M	-136M	-181M
Income Tax Expense	3.9M	10.4M	9.4M	9.7M	9.5M
D&A	2.3M	2.2M	2.1M	1.6M	2M
CAPEX	-1.9M	-1.3M	-2.7M	-2.7M	-1M
Net Income	16.2M	45.6M	33.7M	24.3M	19.7M
EBT	20.1M	56M	39M	36.1M	29.2M
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