Secure Trust Bank (STB) Capital Markets Event - July 2024

Secure Trust Bank management provides an update on their Real Estate Finance business and how it will support the Group in achieving its medium-term financial targets. Geoff Ray, Managing Director, Real Estate Finance, John Griffin, Regional Head, London & South East and Chris King, Head of Credit provide details of their strong track record and the strategic repositioning of the Real Estate Finance business to focus on lower risk residential investment loans, which represented 84% of the Real Estate Finance net lending book at the end of 2023. David McCreadie, CEO 00:16 - Introduction Geoff Ray, Managing Director, Real Estate Finance 05:58 - Real estate finance business overview John Griffin, Regional Head, Real Estate Finance London at Secure Trust Bank 16:23 - Real estate finance market & customers Christopher King, Head of Credit Risk 28:24 - Real estate finance risk management David McCreadie, CEO 36:54 - Outlook 38:07 - Q&A Secure Trust Bank is an established, well‐funded and capitalised UK retail bank with over 70‐years of trading history. Secure Trust Bank operates principally from its head office in Solihull, West Midlands, and has 897 employees (full‐time equivalent) as at March 2024. The Group's diversified lending portfolio currently focuses on two sectors: (i) Business finance through its Real Estate Finance and Commercial Finance divisions; and (ii) Consumer finance through its Vehicle Finance and Retail Finance divisions. Secure Trust Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.