Performance Summary
Secure Trust Bank Group has developed a long-term track record for a strong and consistent financial performance in Retail and Business Finance. The momentum and simplification over recent years supports the pathway to our medium-term targets.
The key performance metrics shown here indicate the performance of the Group over the last few years. All indicators are presented on a continuing basis for the full year as at 31 December.
| Performance measure | 2025 | 2024 | 2023 |
|---|---|---|---|
| Loans and advances to customers | £3.3 billion | £3.1 billion | £2.9 billion |
| Deposits | £3.5 billion | £3.2 billion | £2.9 billion |
| Net interest margin | 4.7% | 4.7% | 4.6% |
| Cost to income ratio | 45.2% | 47.4% | 51.5% |
| Return on average equity | 14.3% | 14.6% | 10.0% |
| Total dividend pence per share | 35.5 | 33.8 | 32.2 |
| Adjusted profit before tax | £59.3 million | £59.4 million | £37.6 million |
Further explanation of these KPIs can be found in our annual report and accounts for each year.
If you would like to know more, we'd love to hear from you.
For further information or to send notifications regarding the share capital or your shareholding in Secure Trust Bank, please email the Company Secretary.