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 Opener 00:16 Introduction Video Ian Corfield, Chief Executive Officer 02:59 Opening remarks & Agenda 05:36 2025 Overview 08:19 2025 Performance highlights Rachel Lawrence, Chief Financial Officer 10:28 2025 Financial Review Ian Corfield, Chief Executive Officer 29:15 2025 Strategic review and outlook 32:06 2025 Annual Results Presentation Q&A Ian Corfield, Chief Executive Officer 37:01 Group overview and strategy Rachel Lawrence, Chief Financial Officer 49:44 Capital Allocation and Cost Management Andy Phillips, Managing Director, V12 Retail Finance 58:03 Divisional Spotlight - V12 Retail Finance Luke Jooste, Managing Director, Business Finance 1:14:11 Divisional Spotlight - Business Finance Rajat Mehta, Savings Director 1:28:27 Divisional Spotlight - Savings Ian Corfield, Chief Executive Officer 1:34:54 Concluding remarks 01:38:21 Investor Update Q&A Founded 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).