Secure Trust Bank Schedules Interim Results Release and Investor Briefings for 13 August 2026 Featuring CEO and CFO

Secure Trust Bank’s Interim Results Release and Investor Presentation Timetable for August 2026

Secure Trust Bank PLC has formally announced the release of its interim results for the first half of 2026 on Thursday, 13 August 2026 at 7:00am. This release aligns with typical market practices for mid-year financial disclosures, providing stakeholders with detailed insights into the bank’s operational and financial performance for the six months ending 30 June 2026. The announcement originates from the bank’s headquarters in Solihull, West Midlands, where the Group manages its core operations and strategic oversight.

Following the results publication, CEO Ian Corfield and CFO Rachel Lawrence will host two investor engagement sessions on the same day. The primary webcast presentation will commence at 10:00am via the LSEG SparkLive platform, offering an in-depth review of half-year trading performance and progress against strategic priorities. Subsequently, at 4:30pm, a condensed live presentation will be delivered through the Investor Meet Company platform, providing an alternative opportunity for shareholders unable to attend the morning session.

Access to Webcast and On-Demand Replay for Shareholders

Both investor presentations will be accessible to existing and prospective shareholders through multiple channels. The main webcast at 10:00am will be available via the LSEG SparkLive platform, with registration facilitated through a dedicated Secure Trust Bank PLC 2026 Interim Results link. An on-demand replay of this presentation will remain permanently accessible at the same link, enabling shareholders who miss the live session to view the content at their convenience. This ensures all participants, regardless of location or schedule, can access the full presentation and management commentary.

Additionally, presentation materials and related content will be archived on the company’s website for ongoing access. The Investor Meet Company platform requires separate registration, allowing investors to sign up for free and add STB to their shareholder dashboard. This multi-channel distribution strategy exemplifies best practices in investor relations, ensuring broad accessibility for retail investors, institutional fund managers, and financial analysts monitoring the bank’s performance.

Secure Trust Bank’s Market Standing and Lending Diversification

Secure Trust Bank PLC is a well-established UK specialist retail bank with over 72 years of continuous trading history, demonstrating resilience through multiple economic cycles and regulatory changes. Headquartered in Solihull, West Midlands, the bank manages strategic direction, regulatory compliance, and key business functions from this location. It is authorised by the Prudential Regulation Authority and regulated by both the Financial Conduct Authority and the Prudential Regulation Authority, reflecting rigorous oversight applicable to UK retail banks.

The Group’s business model focuses on two main lending sectors supported by distinct product verticals and a strong deposits franchise. Business Finance provides specialised funding solutions to commercial customers and businesses, while Retail Finance operates through the V12 brand, focusing on consumer credit and personal lending. This dual-sector strategy offers revenue diversification and mitigates concentration risk. The bank’s emphasis on maintaining a well-capitalised and well-funded position, alongside a robust deposits base, supports sustained lending across both sectors irrespective of broader credit market conditions.

Executive Leadership and Investor Contact Details

The interim results presentations will be led by CEO Ian Corfield and CFO Rachel Lawrence, who will provide detailed commentary on the bank’s half-year financial performance and strategic direction during both the 10:00am webcast and the 4:30pm Investor Meet Company session. Supporting them is Phil Deakin, Strategy and Corporate Development Director, available for investor enquiries alongside the senior executives. This leadership team ensures investors and analysts receive comprehensive insights into operational performance, strategic initiatives, and future plans.

Investor enquiries and presentation registrations can be directed to the bank’s investor relations team via email at [email protected] or by phone at +44 (0)121 693 9100. Investec Bank plc and Shore Capital Stockbrokers serve as joint brokers, providing dedicated investor relations contacts. Camarco acts as the financial communications advisor, managing media and investor outreach. These channels facilitate prompt access to information and support for shareholders, prospective investors, and market analysts.

Regulatory Oversight and Prudential Framework Governing Secure Trust Bank

Secure Trust Bank PLC operates under the UK’s comprehensive regulatory framework for retail banking. It is authorised by the Prudential Regulation Authority (PRA), responsible for supervising systemic risks and prudential soundness, enabling the bank to accept deposits and extend credit under strict capital adequacy, liquidity, and operational standards. The bank is also regulated by the Financial Conduct Authority (FCA), which focuses on consumer protection, market conduct, and business integrity. This dual regulatory regime reflects rigorous oversight of deposit-taking institutions, particularly following reforms after the 2008 financial crisis.

The PRA and FCA provide complementary supervisory frameworks: the PRA concentrates on prudential matters such as capital adequacy and systemic stability, while the FCA emphasises consumer protection and fair market conduct. Secure Trust Bank must comply with requirements from both authorities, ensuring robust internal controls, transparent financial reporting, and adherence to capital and liquidity standards. The bank’s ability to navigate this complex regulatory environment while maintaining profitability and growth is a key consideration for investors assessing its business model sustainability.

Strategic Progress and Half-Year Performance Insights Anticipated in August Results

The interim results presentation will offer a comprehensive review of the bank’s progress against strategic priorities during the first half of 2026. This assessment will allow shareholders and market participants to evaluate whether the Group remains on track to meet medium- and long-term objectives or if adjustments are necessary. The mid-year disclosure provides an early opportunity to gauge full-year expectations based on tangible strategic execution rather than prior guidance alone. The detailed management discussion and webcast replay availability indicate the bank’s intent to deliver substantive commentary beyond standard financial disclosures.

Investors are likely to focus on performance trends within the two core lending sectors amid evolving economic and credit market conditions affecting lending activity, pricing, and credit quality. The strength and growth of the deposits franchise will also be a key topic, given its role in underpinning lending capacity and funding stability. The announcement does not provide specific guidance on profitability or loan growth, so investors will await the full results on 13 August 2026 for detailed financial metrics.

Enhanced Investor Engagement Through Multiple Presentation Formats

The bank has prioritized accessibility and diverse engagement formats for its interim results announcement. The live webcast at 10:00am, complemented by an on-demand replay, accommodates shareholders across time zones and schedules. The additional 4:30pm Investor Meet Company session offers a shorter, alternative engagement opportunity, likely appealing to retail investors or smaller stakeholders. This dual-presentation approach aligns with best practices in investor relations, recognizing the varied needs of a modern shareholder base and promoting broad participation.

Both presentations are open to current and prospective shareholders, indicating the bank’s aim to attract new investors alongside maintaining existing shareholder relationships. Free registration on the Investor Meet Company platform removes participation barriers, while webcast replay ensures flexible access. These measures underscore the bank’s commitment to transparent communication and acknowledge the competitive environment for investor attention within the UK financial sector. Detailed contact information and multiple enquiry channels further support responsive investor relations.

Market Positioning as a Specialist UK Retail Bank

Secure Trust Bank PLC differentiates itself within the UK financial services sector as a specialist bank, focusing on targeted lending sectors rather than broad universal banking. Its dual-sector strategy—Business Finance and Retail Finance via the V12 brand—demonstrates a deliberate focus on developing deep expertise, customer relationships, and credit assessment capabilities within specific segments. This specialization offers advantages such as higher operating margins, reduced competition from larger generalist banks, and tailored product offerings. The bank’s 72-year history evidences sustained competitive viability despite consolidation and competitive pressures in UK retail banking.

The deposits franchise is a critical competitive asset, reducing reliance on wholesale funding and enabling cross-selling opportunities. For specialist banks with narrower market niches, a stable, cost-efficient deposit base is essential for success. Investors will likely monitor deposits growth, pricing trends, and customer acquisition metrics as indicators of the Group’s competitive positioning and funding stability. The bank’s commitment to maintaining a "well-funded and capitalised" status reflects confidence in its capital and funding adequacy to support ongoing lending and growth.