)
Visual21 Nov 2025
Data center suppliers
OSB Group (OSB) investor relations material
OSB Group Q3 2025 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 TU earnings summary6 Nov, 2025
Executive summary
Performance for the nine months to 30 September 2025 was in line with expectations and on track to meet full-year guidance.
Strategic progress included a focus on higher-yielding loan segments and the sale of a second charge mortgage portfolio.
Transformation initiatives advanced, including migration to a new savings platform and increased processing on a new lending platform.
Financial highlights
Net loan book grew by 1.8% to £25.6bn; excluding the £130m second charge loan sale, growth would have been 2.3% from 31 December 2024.
Originations rose 19% year-over-year to £3.4bn.
Retail deposits increased by 6.0% to £25.3bn.
Total assets increased by 2.4% to £31.0bn, with a 4.9% rise in liquid assets.
Three months plus arrears improved to 1.7% from 1.8% at 30 June 2025.
Outlook and guidance
On track to meet 2025 guidance for net interest margin, administrative expenses, loan book growth, and return on tangible equity.
Buy-to-Let market remains subdued, but fundamentals of the UK Private Rented Sector are strong.
Focus remains on optimizing balance sheet and delivering medium-term aspirations.
Explain RWA increase post-sale and yield strategy
How does securitisation pricing mitigate funding costs?
What is the strategic goal for Rely brand launch?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next OSB Group earnings date
Q4 20255 Mar, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
OSB Group Plc is a UK-based specialist mortgage lender, primarily focused on providing residential, buy-to-let, and commercial mortgages. The company operates through its lending brands, including Kent Reliance and InterBay Commercial, offering tailored financial solutions to professional landlords, property investors, and businesses. In addition to mortgage lending, OSB Group provides retail savings products through its banking divisions, catering to both personal and business customers. The company serves a range of sectors, with a focus on complex lending needs that may not be addressed by mainstream banks. The company is headquartered in Chatham, England, and its shares are listed on the London Stock Exchange.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage