SECURE TRUST BANK PLC financials
SECURE TRUST BANK PLC
Country: GB Reporting currency: GBP Latest annual report: 2025-12-31
LEI:
213800CXIBLC2TMIGI76 ISIN: GB00B6TKHP66 Financial statements
(GBP, as reported — unscaled; 94 line items across 2 annual periods)
| Line item | 2025 | 2024 |
|---|---|---|
| Income statement | ||
| Operating expenses | £104.2M | £103.8M |
| Operating profit (EBIT) | £213.5M | £203.9M |
| Profit before tax | £27.5M | £29.2M |
| Income tax expense | £9.9M | £9.5M |
| Profit for the year | £17.6M | £19.7M |
| — attributable to owners | £17.6M | £19.7M |
| Total comprehensive income | £17.6M | £20.0M |
| Per share | ||
| Basic EPS | £0.94 | £1.03 |
| Diluted EPS | £0.89 | £1.01 |
| Free cash flow / share | £12.92 | £5.70 |
| Cash flow statement | ||
| Net cash from operating activities | £257.0M | £111.7M |
| Net cash from investing activities | -£1.8M | -£1.0M |
| Net cash from financing activities | -£164.4M | -£42.0M |
| Dividends paid | £6.4M | £5.2M |
| Lease liability payments | £1.3M | £1.4M |
| Net change in cash | £90.8M | £68.7M |
| Balance sheet | ||
| Total assets | £4.32B | £4.12B |
| Property, plant & equipment | £7.4M | £9.9M |
| Right-of-use assets | £4.4M | £1.6M |
| Intangible assets & goodwill | £5.1M | £5.0M |
| Cash & equivalents | £559.8M | £469.0M |
| Total equity | £374.3M | £360.5M |
| Derived metrics | ||
| Free cash flow | £255.4M | £110.7M |
| Return on equity | 4.7% | 5.5% |
| Cash conversion ratio | 14.60× | 5.67× |
| Capex coverage | 160.63× | 111.70× |
| Other reported items | ||
| Adjustments For Amortisation Expense | £1.2M | £1.4M |
| Adjustments For Decrease Increase In Loans and Advances To Banks | -£5.1M | £5.0M |
| Adjustments For Decrease Increase In Loans and Advances To Customers | -£159.0M | -£354.8M |
| Adjustments For Decrease Increase In Other Assets | £2.8M | £1.4M |
| Adjustments For Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss Loans and Advances | £58.0M | £61.9M |
| Adjustments For Income Tax Expense | £9.9M | £9.5M |
| Adjustments For Increase Decrease In Deposits From Customers | £264.7M | £373.1M |
| Adjustments For Increase Decrease In Other Liabilities | £60.7M | -£5.5M |
| Adjustments For Provisions | -£7.6M | -£4.7M |
| Adjustments For Sharebased Payments | £2.0M | £2.3M |
| Cash and Bank Balances At Central Banks | £528.1M | £445.0M |
| Cash Flows From Used In Operations Before Changes In Working Capital | £112.5M | £106.0M |
| Comprehensive Income Attributable To Owners of Parent | £17.6M | £20.0M |
| Current Tax Assets | £2.6M | £200.0K |
| Debt Instruments Held | £1.0M | £0 |
| Deferred Tax Assets | £3.6M | £3.3M |
| Deposits From Banks | £205.9M | £365.8M |
| Deposits From Customers | £3.51B | £3.24B |
| Depreciation Property Plant and Equipment | £800.0K | £1.0M |
| Depreciation Rightofuse Assets | £1.1M | £1.0M |
| Derivative Financial Assets | £200.0K | £14.3M |
| Derivative Financial Liabilities | £100.0K | £10.0M |
| Dividends Proposed Or Declared Before Financial Statements Authorised For Issue But Not Recognised As Distribution To Owners | £4.4M | — |
| Dividends Proposed Or Declared Before Financial Statements Authorised For Issue But Not Recognised As Distribution To Owners Per Share | £0.24 | £0.23 |
| Dividends Recognised As Distributions To Owners of Parent | £6.4M | £5.2M |
| Equity and Liabilities | £4.32B | £4.12B |
| Fee and Commission Expense | £200.0K | £200.0K |
| Fee and Commission Income | £15.1M | £19.2M |
| Fee and Commission Income Expense | £14.9M | £19.0M |
| Impairment Loss Recognised In Profit Or Loss Loans and Advances | £58.0M | £61.9M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Be Reclassified To Profit Or Loss | £0 | £200.0K |
| Income Taxes Paid Refund Classified As Operating Activities | £12.0M | £8.8M |
| Increase Decrease Through Sharebased Payment Transactions | £2.6M | £2.3M |
| Increase Decrease Through Treasury Share Transactions | -£500.0K | -£500.0K |
| Interest Expense | £173.4M | £181.1M |
| Interest Paid Classified As Operating Activities | £65.2M | £70.6M |
| Interest Received Classified As Operating Activities | £227.0M | £246.1M |
| Interest Revenue Calculated Using Effective Interest Method | £372.0M | £366.0M |
| Interest Revenue Expense | £198.6M | £184.9M |
| Investment Accounted For Using Equity Method | £0 | £0 |
| Investment Property | £24.1M | £0 |
| Issue of Equity | £200.0K | £200.0K |
| Issued Capital | £7.6M | £7.6M |
| Lease Liabilities | £4.4M | £1.8M |
| Liabilities | £3.94B | £3.76B |
| Loans and Advances To Banks | £36.8M | £24.0M |
| Loans and Advances To Customers | £3.30B | £3.61B |
| Noncurrent Assets Or Disposal Groups Classified As Held For Sale Or As Held For Distribution To Owners | £390.8M | £0 |
| Other Adjustments For Noncash Items | £200.0K | -£600.0K |
| Other Assets | £8.8M | £11.7M |
| Other Cash Payments To Acquire Equity Or Debt Instruments of Other Entities Classified As Investing Activities | £1.0M | £0 |
| Other Comprehensive Income | £0 | £300.0K |
| Other Comprehensive Income Before Tax Cash Flow Hedges | -£1.4M | -£800.0K |
| Other Gains Losses | £200.0K | -£300.0K |
| Other Liabilities | £98.0M | £32.5M |
| Other Reserves | -£1.9M | -£2.2M |
| Payments To Acquire Or Redeem Entitys Shares | £200.0K | £1.4M |
| Proceeds From Issuing Shares | £200.0K | £200.0K |
| Proceeds From Sales of Property Plant and Equipment Classified As Investing Activities | £1.9M | £0 |
| Provisions | £25.5M | £11.3M |
| Purchase of Investment Property | £1.1M | £0 |
| Purchase of Property Plant and Equipment Intangible Assets Other Than Goodwill Investment Property and Other Noncurrent Assets | £1.6M | £1.0M |
| Purchase of Treasury Shares | £200.0K | £1.4M |
| Reclassification Adjustments On Cash Flow Hedges Before Tax | -£1.4M | -£1.3M |
| Retained Earnings | £284.4M | £271.1M |
| Sale Or Issue of Treasury Shares | £500.0K | £600.0K |
| Share Premium | £84.2M | £84.0M |
| Subordinated Liabilities | £93.5M | £93.3M |
Methodology
Every line item above is a fact tagged in SECURE TRUST BANK PLC's annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (GBP), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.