Investors

OSB GROUP PLC is a specialist lender, primarily focused on carefully selected sub-sectors of the mortgage market. Our specialist lending is supported by our Kent Reliance and Charter Savings Bank retail savings franchises.

overview large

Share price

Annual report

Annual Report and Financial Statements for the year ended 31 December 2021

Annual report

Results, reports & presentations

03 Nov 2022

Q3 2022 Trading update

11 Aug 2022

Interim results for six months ended 30 June 2022

Financial calendar

Event

2022 year end results

Date

16 March 2023

Event

Q1 trading update

Date

3 May 2023

Event

AGM

Date

11 May 2023

Event

2023 half year results

Date

10 August 2023

Event

Q3 trading update

Date

2 November 2023

Key financial indicators

The Group measures its performance using the Key performance indicators (KPIs) below which are presented on a statutory and an underlying basis.

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

  • Statutory 2021
  • Statutory 2020
  • Underlying 2021
  • Underlying 2020

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

Fully loaded Common Equity Tier 1 ratio

Fully loaded Common Equity Tier 1 ratio

Return on equity

Return on equity

Full year dividend

Full year dividend

Basic EPS

Basic EPS

Savings customer satisfaction – Net Promoter Score (NPS)

Savings customer satisfaction – Net Promoter Score (NPS)

Women in senior management

Women in senior management

1 Employees undertaking roles at Grades A to E.

2 Operational footprint is defined as Scope 1, Scope 2 and Scope 3 (paper, water, waste, business travel, electricity transmission and distribution) emissions and excludes upstream and downstream emissions from the Group’s value chain.

See more highlights