Secure Trust Bank Cash Flow Statement

Financials in millions GBP. Fiscal year is January - December.

Millions GBP. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2020 - 2016
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	2020 - 2016
Net Income	17.6	19.7	24.3	33.7	45.6	Upgrade
Depreciation & Amortization	1.9	2	1.6	2.1	2.2	Upgrade
Other Amortization	1.2	1.4	1.2	1.2	1.3	Upgrade
Gain (Loss) on Sale of Assets	-	-	0.2	1.4	-	Upgrade
Total Asset Writedown	-	-	-	-	-0.4	Upgrade
Provision for Credit Losses	58	61.9	43.2	39	4.5	Upgrade
Change in Other Net Operating Assets	-108.2	-358.6	-482.4	-453.5	-259.4	Upgrade
Other Operating Activities	19.8	9.9	8.2	4.3	-3.3	Upgrade
Operating Cash Flow	-7.7	-261.4	-402.6	-378.7	-207.1	Upgrade
Capital Expenditures	-1.6	-1	-2.7	-2.7	-1.3	Upgrade
Sale of Property, Plant and Equipment	1.9	-	-	-	-	Upgrade
Investment in Securities	-1	-	-	-	-	Upgrade
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	-	-	81.9	60.4	Upgrade
Investing Cash Flow	-1.8	-1	-2.7	82.5	59.1	Upgrade
Long-Term Debt Issued	250	125.8	70	7	114.4	Upgrade
Long-Term Debt Repaid	-408	-161.4	-30.6	-1	-0.9	Upgrade
Net Debt Issued (Repaid)	-158	-35.6	39.4	6	113.5	Upgrade
Issuance of Common Stock	0.2	0.2	1.7	-	-	Upgrade
Repurchase of Common Stock	-0.2	-1.4	-1.2	-0.3	-	Upgrade
Common Dividends Paid	-6.4	-5.2	-8.4	-10.7	-11.9	Upgrade
Net Increase (Decrease) in Deposit Accounts	264.7	373.1	357.2	411.4	110.7	Upgrade
Financing Cash Flow	100.3	331.1	388.7	406.4	212.3	Upgrade
Net Cash Flow	90.8	68.7	-16.6	110.2	64.3	Upgrade
Free Cash Flow	-9.3	-262.4	-405.3	-381.4	-208.4	Upgrade
Free Cash Flow Margin	-6.95%	-198.34%	-285.82%	-287.85%	-143.33%	Upgrade
Free Cash Flow Per Share	-0.47	-13.51	-21.04	-19.77	-10.94	Upgrade
Cash Interest Paid	65.2	-	-	-	-	Upgrade
Cash Income Tax Paid	12	8.8	8.6	7	12.6	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.