Secure Trust Bank PLC (STB)

Profile

https://www.securetrustbank.com

Secure Trust Bank PLC is an established UK retail bank with over 70 years of history, founded in 1952 and headquartered in Solihull. It specializes in deposit-funded lending and savings products, serving over a million customers through approachable teams across seven UK offices, including Cardiff, London, and Manchester. The bank operates in key markets such as retail finance via its V12 division, which underwrites loans for national retail partners; business and commercial finance offering refinance options for growth; and real estate finance for developers and landlords. Notable for its technology integration and efficiency initiatives like Project Fusion, Secure Trust Bank PLC has streamlined operations by exiting non-core areas, including the closure of its Vehicle Finance business, to focus on lower-risk lending and cost reduction. With strong capital resources, including a CET1 ratio of 12.6%, it plays a vital role in the UK specialist lending sector, supporting consumer purchases, business expansion, and property development while upholding values of fairness and customer focus.