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

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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
2024 2023 2024 2023 2024 2023

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)

Savings customer satisfaction – Net Promoter Score (NPS)

Savings customer satisfaction – Net Promoter Score (NPS)

Women in senior management

Women in senior management

41%

Reduction in direct emissions2

  1. Employees at grades A (Executive Director) to grade E (including function heads with senior direct reports or employees in specialist roles of a senior nature).
  2. Direct emissions are Scope 1 and Scope 2 using market-based methodology.

* The Group’s external auditor performed an independent reasonable assurance review of certain KPIs as marked with the symbol * – see the Appendix for the auditor’s assurance report.

Financial calendar

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  • 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

  • 20
    August 2025

    2025 half year results

    2025-8-20 07:00:00 2025-8-20 09:00:00 UK 2025 half year results 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.

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Securitisations

Securitisations

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

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