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- About us
- Our business model
Our Purpose
To help our customers, colleagues and communities prosper.
By that we mean more than just helping them to be more financially well off. We want them to flourish, thrive and succeed in their personal and professional goals.
Our Vision
To be recognised as the UK’s number one choice of specialist bank, through our commitment to exceptional service, strong relationships and competitive propositions.
By working Stronger together, Taking ownership, Aiming high and Respecting others, we will more powerfully achieve our own goals, as well as our stakeholders’.
But we are not just focused on lending and savings (though that is what we do and what we are great at); we are a business that cares about leaving things better than we found them. We are passionate about our final value, Stewardship, which encourages us to give back to our communities, supporting those who are vulnerable or less fortunate, embracing diversity and finding new ways to protect our environment.
It does not matter where we are working from; a branch, on the road, in the office or from home. It does not even matter that we are not all in the same country, we are clear about what we want to achieve. We know how we want to achieve it and we are absolutely determined to build upon the foundations we have created so our customers, shareholders, communities and our people can all prosper.
Colleagues
Our team of highly skilled employees possess expertise and in-depth knowledge of the lending, property, capital and savings markets, underwriting and risk assessment, and customer management.
Brands and heritage
We have a family of specialist lending brands targeting selected sub-segments of the mortgage market which are underserved by large UK banking institutions. We have wellestablished savings franchises through Kent Reliance, with its 150-year heritage, and the Charter Savings Bank brand.
Infrastructure
We benefit from cost and efficiency advantages provided by our wholly-owned subsidiary, OSB India, as well as credit expertise and mortgage administration services provided by CCFS.
Relationships with intermediaries and customers
Our strong and deep relationships with the mortgage intermediaries that distribute our products continue to win us industry recognition.
Capital strength
We have a strong CET1 ratio and proven capability to generate capital through profitability. The Board is focused on capital management across the cycle and delivering strong total shareholder returns.
For shareholders
90.8p
Statutory basic EPS
42.2p
Total dividend per share1
For intermediaries
+37
OSB broker NPS2
+39
CCFS broker NPS2
For the environment
8.1%
Reduction in Scope 1 and Scope 2 emissions from 20215
For savings customers
+64
OSB savings customer NPS2
94%
OSB customer retention3
+61
CCFS savings customer NPS2
88%
CCFS customer retention3
For employees
31%
Women in senior management roles4
318
Number of Group employees promoted in 2022
For communities
Over £220,000
Group sponsorship and donations
- 1. Includes £50m special dividend, equivalent to 11.7 pence per share.
- 2. OSB customer NPS score relates to Kent Reliance savings customers; CCFS customer NPS relates to Charter Savings Bank customers; OSB broker NPS relates to Kent Reliance brokers and CCFS broker NPS relates to Precise Mortgage brokers.
- 3. Retention is defined as average maturing fixed contractual retail deposits that remain with the Bank on their maturity date.
- 4. Employees undertaking roles at Grades A to E.
- 5. Scope 2 emissions calculated using market-based methodology. 2021 KPI measured reduction versus a 2019 baseline. The Group has now reset it base year to 2022. The KPI uses performance versus 2021 to demonstrate progress made in 2022.