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View allQ1 2025 Trading update
Announcement
Annual Report and Financial Statements for the year ended 31 December 2024
Investor update
Webcast 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*
Net loan book
Net interest margin*
Cost to income ratio*
Profit before tax
Loan loss ratio
Common Equity Tier 1 (CET1) ratio
Return on equity*
Ordinary dividend*
Basic EPS* (pence per share)
Savings customer satisfaction – Net Promoter Score (NPS)
Women in senior management
41%
Reduction in direct emissions2
- 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).
- 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
View all-
20
August 20252025-8-20 07:00:00 2025-8-20 09:00:00 UK 2025 half year results OSBG Results UK OSB Group mail@osb.co.uk -
06
November 20252025-11-6 07:00:00 2025-11-6 09:00:00 UK Q3 trading update OSBG Results UK OSB Group mail@osb.co.uk
* All dates are subject to change.
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
OneSavings Bank (OSB) and Charter Court Financial Services (CCFS) have completed 22 securitisations since 2013 worth over £11.1bn
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