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We are an agile specialist lender with a strong track record of growth, prudent risk management and disciplined cost control.

Our diverse Lending Portfolio

We provide finance solutions to meet a diverse range of customer needs. Operating across several large addressable markets, we are well positioned to take further market share.

Our lending portfolio includes business and consumer finance funded by our savings division.

Savings

We look after our customers’ savings and provide a competitive return.

Retail Finance

We provide quick and easy finance options at the point of purchase.

Vehicle Finance

We provide quick and easy used car finance options at the point of purchase.

Real Estate Finance

We lend money against residential properties to professional landlords and property developers.

Commercial Finance

We support the growth of UK businesses by enabling effective cash flow.

About us

Secure Trust Bank is an established, well‐funded and capitalised UK retail bank with over 70‐years of trading history.

Our Investment Case

Our ‘Optimising for Growth’ strategic priorities are a blueprint for simplifying the Group, enhancing customer experience and leveraging our networks, resulting in a clear focus on delivering our medium-term targets.

David McCreadie, Chief Executive Officer

Our Group Strategy

To help more consumers and businesses fulfil their ambitions

“Our organisation’s vision to become the UK’s most trusted specialist lender is deliberately aspirational. I believe we are getting closer to achieving this each day by focusing on those key markets where we have the depth of expertise and specialist skills to help more consumers and businesses fulfil their ambitions.”

David McCreadie

Chief Executive Officer

Discover more about our strategy

Adjusted cost to income ratio

50.9%

Loans and advances to customers

£3.6bn

Net interest margin             

5.4%

Results, Reports & Presentations

2024 Annual Results

13 March 2025

Capital Markets Event

13 November 2024

2024 Interim Results

14 August 2024

Latest Regulatory News

Director/PDMR Shareholding 26 March 2025

Director/PDMR Shareholding 24 March 2025

Director/PDMR Shareholding 24 March 2025

Our ESG Strategy

Our organisation wants to deliver value for all stakeholders and we have a vision, a purpose, and a business strategy that sets out how we will do this. Our business strategy includes a commitment to 'Always act with integrity and transparency to deliver value for all our stakeholders'. And our ESG strategy shows how we plan to do that.

Find out more about our ESG Strategy

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Awards & Accreditation

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.

Contact us

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