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.

Our current debt instruments are listed on the London Stock Exchange and further information can be found in this section.

Key ratios:*

*As at 31 December 2025

The Group has the following credit ratings:

OSB Group PLC

Fitch as at 9 March 2026

Moody’s as at 19 June 2026

OneSavings Bank Plc

Fitch as at 9 March 2026

Moody’s as at 19 June 2026

Charter Court Financial Services Limited

Fitch as at 9 March 2026