Secure Trust Bank’s FY25 results were underpinned by 8% loan and deposit growth, with a stable net interest margin and a substantial reduction in the cost income ratio. Strong CET 1 accretion widens STB’s options for growth and/or distributions to shareholders. New targets for loan growth and cost/ capital efficiency, backed up by credible business plans, are aimed at delivering a 16% Return on Average Equity in FY28.