Investors

OSB Group is a leading specialist mortgage lender, primarily focused on carefully selected sub-segments of the UK mortgage market. Our continued success is driven by strong relationships with all our stakeholders.

Latest results

View all
Announcement
Results Presentation Transcript Webcast
Announcement

Key financial indicators

The Group reports key performance indicators (KPIs) on a statutory and an underlying basis.

Management believes that the underlying KPIs provide a more consistent basis for comparing the Group’s performance between financial periods. Underlying KPIs exclude integration costs and other acquisition-related items.

Statutory Underlying Group
2023 2022 2023 2022 2023 2022

Gross new lending

Gross new lending

Net loan book

Net loan book

Net interest margin

Net interest margin

Cost to income ratio

Cost to income ratio

Profit before tax

Profit before tax

Loan loss ratio

Loan loss ratio

Common Equity Tier 1 (CET1) ratio

Common Equity Tier 1 (CET1) ratio

Return on equity

Return on equity

Ordinary dividend

Ordinary dividend

Basic EPS (pence per share)

Basic EPS (pence per share)

Women in senior management

Women in senior management

Savings customer satisfaction – Net Promoter Score (NPS)

Savings customer satisfaction – Net Promoter Score (NPS)

11%

Reduction in energy consumption per sq.m3

  1. Employees at grades A (Executive Director) to grade E (including function heads with senior direct reports or employees at specialist roles of a senior nature).
  2. Prior to Q4 2022 the CCFS NPS was measured using its legacy engagement programme, thereafter measurement was aligned to the OSB Group programme. The 2022 OSB NPS included email surveys in November and December. The 2023 OSB NPS included interactive voice recognition surveys, which were not considered for CCFS scores.
  3. Energy consumption is a measure of the total kWh used (electricity, gas and gasoil) in buildings under the Group’s operational control, divided by the total square meterage of those buildings.

Financial calendar

View all

  • 13
    March 2025

    2024 year end results

    2025-3-13 07:00:00 2025-3-13 09:00:00 UK 2024 year end results OSBG Results UK OSB Group mail@osb.co.uk

  • 30
    April 2025

    Q1 trading update

    2025-4-30 07:00:00 2025-4-30 09:00:00 UK Q1 trading update OSBG Results UK OSB Group mail@osb.co.uk

  • 08
    May 2025

    AGM

    2025-5-8 07:00:00 2025-5-8 09:00:00 UK AGM OSBG Results UK OSB Group mail@osb.co.uk

* All dates are subject to change.

Debt investors

Debt investors

The Group’s debt instruments support the optimisation of its capital structure and supplement funding provided by retail savings deposits, securitisations and Bank of England funding schemes.

Find out more
Securitisations

Securitisations

OneSavings Bank (OSB) and Charter Court Financial Services (CCFS) have completed 22 securitisations since 2013 worth over £11.1bn

Find out more