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Edge1 May 2026
Making the Marlboro Man
The story of Marlboro's transformation from a women's cigarette to a global icon: one of the most effective brand repositionings in history.
OSB Group
OSB Group (OSB) investor relations material
OSB Group Q1 2026 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 TU earnings summary30 Apr, 2026
Executive summary
Delivered resilient financial performance in Q1 2026, operating broadly in line with 2026 guidance.
Lending franchise performed as expected, with strong Buy-to-Let and Residential originations.
Strategic progress made on technology transformation and product launches.
Financial highlights
Net loan book grew 0.9% to £26.15bn, supported by an 11% increase in originations to £1.2bn year-over-year.
Retail deposits rose 1.8% to £24.7bn; total assets decreased 0.5% as liquidity was optimized.
CET1 ratio remained robust at 15.1% after share repurchases.
Three months plus arrears stable at 1.7%, with strong credit quality.
Outlook and guidance
Loan book growth expected to be broadly similar to 2025.
Net interest margin guidance circa 225bps for 2026, dependent on retail funding cost normalization.
Administrative expenses expected around £280m, excluding CEO transition and buyout costs.
Return on tangible equity targeted in the low teens; dividend per share to increase 5% from 2025.
Retail funding cost impact on NIM guidance
Readiness for Q3 residential platform launch
Drivers of liquidity portfolio optimization
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Latest events from OSB Group
- Professional landlords and tech transformation drive growth and resilience in the UK rental sector.OSB
Investor update28 Mar 2026 - Strong 2025: 3.2% loan growth, 228bps NIM, 5% dividend hike, £100m buyback, and positive outlook.OSBH2 20255 Mar 2026
- Underlying profit more than doubled, NIM rose, and a £50m share buyback was announced.OSBH1 20241 Feb 2026
- Profit up 4% with 16% ROE; NIM stabilizing, strong capital returns, and CET1 target at 14%.OSBH2 202426 Dec 2025
- Profit before tax down 20% to £192.3m; loan book, capital, and digital progress maintained.OSBH1 202523 Nov 2025
- Loan book and deposits grew, capital remained strong, and strategic initiatives progressed.OSBQ3 2025 TU6 Nov 2025
- Net loans up 2% and Q3 originations at £0.9bn, with strong capital and stable margins.OSBQ3 2024 TU13 Jun 2025
Next OSB Group earnings date
Q2 20266 Aug, 2026
OSB Group
Next OSB Group earnings date
Q2 20266 Aug, 2026
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