Secure Trust Bank PLC (CHIX:STBl)

Full Year 2025 Secure Trust Bank PLC Earnings Call Transcript

Mar 12, 2026 / 01:00 PM GMT

Release Date Price: £13.85 (-1.07%)

Transcript

Key Points

Positve

Secure Trust Bank PLC (LSE:STB) has successfully integrated V12, enhancing growth and providing seamless operations.
The company has exited the vehicle finance sector, simplifying its business model and improving capital allocation.
Secure Trust Bank PLC (LSE:STB) achieved a return on average equity of 14.3% in 2025, demonstrating strong financial performance.
The bank has announced a share buyback program, reflecting confidence in its financial strength and future prospects.
Secure Trust Bank PLC (LSE:STB) has maintained a stable net interest margin of 4.7%, showcasing effective cost management.

Negative

The exit from vehicle finance has resulted in stranded costs that need to be addressed.
There was a slight decrease in return on average equity from 15% in 2024 to 14.3% in 2025.
The cost of risk increased to 1% in 2025, reflecting higher impairment charges.
Operating expenses increased by 3.5% due to non-recurring costs associated with changes in senior leadership.
The company faces potential financial impact from the FCA's proposed motor finance redress scheme.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

STBS.L - Secure Trust Bank PLC
Full Year 2025 Secure Trust Bank PLC Earnings Call
Mar 12, 2026 / 01:00PM GMT

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Presentation
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Unidentified_1 [1]
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Been with V12 for many years and that's been part of our growth. The integration is very seamless, very straightforward. What's very important in our business is average order value. The higher the average order value is, especially in stores, V12 is a very important.

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Unidentified_2 [2]
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For us, we want to grow with partners rather than sort of plug-ins if you like. We want to be with people long-term. The support from B12 has been amazing. The integration was seamless, and that's reflected in the results we've seen over the past months. I think

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