Secure Trust Bank (STB) 2025 Annual Results presentation & Investor Update - March 2026

Secure Trust Bank CEO Ian Corfield and CFO Rachel Lawrence present the group's 2025 Annual Results, followed by an investor update outlining the group's strategy and medium-term targets, with leaders of the business divisions providing an overview of their strategies. 00:00 Opener00:16 Introduction VideoIan Corfield, Chief Executive Officer02:59 Opening remarks & Agenda05:36 2025 Overview08:19 2025 Performance highlightsRachel Lawrence, Chief Financial Officer10:28 2025 Financial ReviewIan Corfield, Chief Executive Officer29:15 2025 Strategic review and outlook32:06 2025 Annual Results Presentation Q&AIan Corfield, Chief Executive Officer37:01 Group overview and strategyRachel Lawrence, Chief Financial Officer49:44 Capital Allocation and Cost ManagementAndy Phillips, Managing Director, V12 Retail Finance58:03 Divisional Spotlight - V12 Retail FinanceLuke Jooste, Managing Director, Business Finance1:14:11 Divisional Spotlight - Business FinanceRajat Mehta, Savings Director1:28:27 Divisional Spotlight - SavingsIan Corfield, Chief Executive Officer1:34:54 Concluding remarks01:38:21 Investor Update Q&AFounded over 70 years ago, Secure Trust Bank is a leading retail deposit-funded specialist bank operating in four core markets: retail finance, vehicle finance, real estate finance and commercial finance. Secure Trust Bank’s management has simplified the business through the sale/exit of non-core businesses, repositioning the loan portfolio towards lower risk loans and focusing on reducing operating costs to drive efficiency (Project Fusion).