Secure Trust Bank - Capital Markets Event 2023

Our Capital Markets Event took place on Wednesday 8 November 2023 in London. The event included presentations by our CEO and other senior leaders. The basis of this presentation: This presentation has been prepared by Secure Trust Bank PLC (STB) solely for information. It’s not an offer or solicitation of an offer to buy or sell or subscribe for any securities or financial instruments. The information in it is in summary form and doesn’t purport to be complete. This presentation doesn’t include all the information material to investors or potential investors about holding, purchasing or selling of securities or other financial instruments. Nor is the information included advice or a recommendation to do so. Use of this presentation: This presentation is for use by institutional investors only. It is not directed to anyone in any jurisdiction where (by reason of their nationality, residence or otherwise) its publication or availability is prohibited. Anyone to whom such prohibitions apply must not access the presentation. Forward looking statements: This presentation contains forward-looking statements about the business, strategy and plans of STB and its current objectives, targets and expectations relating to its future financial condition and performance. Statements that are not historical facts, including statements about STB’s or management’s beliefs and expectations, are forward looking statements. By their nature, forward-looking statements involve risk and uncertainty because they relate to events and depend on circumstances that will occur in the future. STB’s actual future results may differ materially from the results expressed or implied in these forward-looking statements as a result of a variety of factors. These include economic and business conditions, risks from failure of clients, customers and counterparties, market related risks including interest rate risk, risks regarding market conditions outside STB’s control, expected credit losses in certain scenarios involving forward looking data, operational risks, legal, regulatory or governmental developments, and other factors. The forward-looking statements contained in this presentation are made as of the date of this presentation, and (except as required by law or regulation) STB undertakes no obligation to update any of its forward-looking statements.