David McCreadie, CEO, outlines Secure Trust Bank's Full Year 2023 highlights for the period ended 31 December 2023. 00:27 Overview02:08 Group headlines03:47 Stratic priorities04:15 Retail Finance04:48 Vehicle Finance05:38 Real Estate Finance06:29 Commercial Finance07:50 Savings business08:13 Summary Secure Trust Bank PLC is a United Kingdom-based retail bank. The Company’s segments include Real Estate Finance, Commercial Finance, Vehicle Finance and Retail Finance. Real Estate Finance is engaged in lending secured against property assets to a maximum 70% loan-to-value ratio, on fixed or variable rates over a term of up to five years. Commercial Finance is engaged in lending predominantly against receivables, typically releasing 90% of qualifying invoices under invoice discounting facilities. Other assets can also be funded either long or short-term and for a range of loan-to-value ratios alongside these services. Vehicle Finance include hire purchase lending for used cars to prime and near-prime customers and Personal Contract Purchase lending into the consumer prime credit market, both secured against the vehicle financed. Retail Finance provides online e-commerce service to retailers, providing unsecured lending products to prime United Kingdom customers.