To achieve our Purpose, we operate in a sustainable way with the relevant environmental, social and governance matters at the heart of our business. We are aligned to a strong governance framework and we recognise the needs and differences of our stakeholders.
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 well-established savings franchises through Kent Reliance, with its 150-year heritage, and the Charter Savings Bank brand.
Our team of highly skilled employees possess expertise and in-depth knowledge of the property, capital and savings markets, underwriting and risk assessment and customer management.
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.
Our strong and deep relationships with the mortgage intermediaries that distribute our products continue to win us industry recognition.
We have a strong CET1 ratio and capability to generate capital through profitability. The Board is focused on capital strength and delivering shareholder returns.
securitisations since 2013 across OSB and CCFS worth over
colleagues employed at OSB India as at 31 December 2021
Statutory basic EPS
Dividend per share
OSB broker NPS1
CCFS broker NPS1
Group sponsorship and donations
OSB savings customer NPS1
OSB customer retention2
CCFS savings customer NPS1
CCFS customer retention2
Women in senior management roles3
Number of Group employees promoted in 2021
Reduction in operational carbon footprint4 against 2019 baseline