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.

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Key financial indicators

Throughout the Strategic report, the key performance indicators (KPIs) 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 fi nancial periods. Underlying KPIs exclude exceptional items, integration costs and other acquisition-related items. For a reconciliation of statutory to underlying KPIs, see the Appendix.

Statutory Underlying
2022 2021 2022 2021

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 (pence per share)

Ordinary dividend (pence per share)

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

8.1%

Reduction in Scope 1 and Scope 2 emissions from 20212

  1. Employees undertaking roles at Grades A to E.
  2. Scope 2 emissions calculated using marketbased methodology. 2021 KPI measured reduction versus a 2019 baseline. The Group has now reset its base year to 2022. The KPI uses performance versus 2021 to demonstrate progress made in 2022.

Financial calendar

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  • 08
    May 2024

    Q1 trading update

    2024-5-8 07:00:00 2024-5-8 09:00:00 UK Q1 trading update OSBG Results UK OSB Group mail@osb.co.uk

  • 09
    May 2024

    AGM

    2024-5-9 07:00:00 2024-5-9 09:00:00 UK AGM OSBG Results UK OSB Group mail@osb.co.uk

  • 15
    August 2024

    2024 half year results

    2024-8-15 07:00:00 2024-8-15 09:00:00 UK 2024 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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