Investors

OSB GROUP PLC is a specialist lender, primarily focused on carefully selected sub-sectors of the mortgage market. Our specialist lending is supported by our Kent Reliance and Charter Savings Bank retail savings franchises.

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Share price

Annual report

Annual Report and Financial Statements for the year ended 31 December 2021

Annual report

Results, reports & presentations

04 May 2022

Q1 2022 Trading update

31 Mar 2022

Annual Report and Financial Statements for the year ended 31 December 2021

Financial calendar

Event

2022 half year results

Date

11 August 2022

Event

Q3 Trading update

Date

3 November 2022

Key financial indicators

The Group measures its performance using the Key performance indicators (KPIs) below which 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 financial periods. Underlying KPIs exclude exceptional items, integration costs and other acquisition-related items.

  • Statutory 2021
  • Statutory 2020
  • Underlying 2021
  • Underlying 2020

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

Fully loaded Common Equity Tier 1 ratio

Fully loaded Common Equity Tier 1 ratio

Return on equity

Return on equity

Full year dividend

Full year dividend

Basic EPS

Basic EPS

Savings customer satisfaction – Net Promoter Score (NPS)

Savings customer satisfaction – Net Promoter Score (NPS)

Women in senior management

Women in senior management

1 Employees undertaking roles at Grades A to E.

2 Operational footprint is defined as Scope 1, Scope 2 and Scope 3 (paper, water, waste, business travel, electricity transmission and distribution) emissions and excludes upstream and downstream emissions from the Group’s value chain.

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