Capital Markets Day presentation

Important notice

The basis of this presentation: This presentation has been prepared by Secure Trust Bank PLC (STB) solely for information. It is not an offer or solicitation of an offer to buy or sell or subscribe for any securities or financial instruments. The information in it is in summary form and does not purport to be complete. This presentation does not include all the information material to investors or potential investors about holding, purchasing or selling of securities or other financial instruments. Nor is the information included an advice or a recommendation to do so.

Use of this presentation: This presentation is for use by institutional investors only. It is not directed to anyone in any jurisdiction where (by reason of their nationality, residence or otherwise) its publication or availability is prohibited. Anyone to whom such prohibitions apply must not access the presentation.

Forward looking statements: This presentation contains forward-looking statements about the business, strategy and plans of STB and its current objectives, targets and expectations relating to its future financial condition and performance. Statements that are not historical facts, including statements about STB’s or management’s beliefs and expectations, are forward-looking statements. By their nature, forward-looking statements involve risk and uncertainty because they relate to events and depend on circumstances that will occur in the future. STB’s actual future results may differ materially from the results expressed or implied in these forwardlooking statements because of a variety of factors. These include UK domestic and global economic and business conditions, risks concerning borrower credit quality, market related risks including interest rate risk, inherent risks regarding market conditions and similar contingencies outside STB’s control, the COVID-19 pandemic, expected credit losses in certain scenarios involving forward-looking data, any adverse experience in inherent operational risks, any unexpected developments in regulation or regulatory, and other factors. The forward-looking statements contained in this presentation are made as of the date of this presentation, and (except as required by law or regulation) STB undertakes no obligation to update any of its forwardlooking statements.