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.

overview large

Share price

Annual report

Annual Report and Financial Statements for the year ended 31 December 2020

Annual report

Results, reports & presentations

11 Nov 2021

Q3 2021 Trading update

19 Aug 2021

Interim results for six months ended 30 June 2021

Financial calendar

Financial highlights 2020

See below the financial indicators for 2020 which are presented on a statutory and an underlying basis for 2020, and a statutory and pro forma underlying basis for 2019. Underlying results for 2020 exclude exceptional items, integration costs and other acquisition-related items. Pro forma underlying results for 2019 assume that the combination with Charter Court Financial Services Group plc (CCFS) occurred on 1 January 2019 and include 12 months of results from CCFS. They also exclude exceptional items, integration costs and other acquisition-related items.

Table Key

  • Statutory 2020
  • Statutory 2019
  • Underlying 2020
  • Pro forma underlying 2019

Gross new lending

Gross new lending

Net intrest margin

Net intrest margin

Cost to income ratio

Cost to income ratio

Management expense ratio

Management expense ratio

Loan loss ratio

Loan loss ratio

Dividend per share

Dividend per share

Basic EPS

Basic EPS

Return on equity

Return on equity

CRD IV fully-loaded Common Equity Tier 1 capital ratio

CRD IV fully-loaded Common Equity Tier 1 capital ratio

Savings customer satisfaction – Net Promoter Score (NPS)

Savings customer satisfaction – Net Promoter Score (NPS)
See more highlights