Performance Summary
Secure Trust Bank Group has developed a long-term track record for a strong and consistent financial performance. The momentum built over the last five years is driving the organisation towards achieving its medium-term targets.
The key performance metrics shown here indicate the performance of the Group over the last five years. All indicators are presented on a continuing basis for the full year as at 31 December.
| Performance measure | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Loans and advances to customers | £3.6 billion | £3.3 billion | £2.9 billion | £2.5 billion | £2.2 billion |
| Deposits | £3.2 billion | £2.9 billion | £2.5 billion | £2.1 billion | £2.0 billion |
| Net interest margin | 5.4% | 5.4% | 5.7% | 6.1% | 6.1% |
| Adjusted1 cost to income ratio | 50.9% | 54.0% | 55.0% | 60.0% | 56.6% |
| Adjusted return on average equity | 8.0% | 9.6% | 9.4% | N/A | N/A |
| Total dividend pence per share | 33.8 | 32.2 | 45.1 | 61.1 | 44.0 |
| Adjusted profit before tax2 | £39.1 million | £42.6 million | £39.0 million | £55.9 million | £18.2 million |
1. Adjusted cost to income ratio excludes exceptional items. Further information can be found in the 2024 Annual Report and Accounts.
2. Reported as “Profit before income tax before exceptional items” in the 2024 Annual Report and Accounts.
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.