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OSB Group
OSB Group (OSB) investor relations material
OSB Group H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary5 Mar, 2026
Executive summary
Delivered resilient 2025 results, meeting guidance with 3.2% net loan growth and strong progress in transformation.
Achieved all strategic targets, including a 53% increase in originations from higher-yielding segments and maintained #1 specialist lender position.
Maintained cost discipline, with core cost growth limited to 0.8% and continued investment in transformation.
Increased full-year dividend by 5% and completed a £100 million share buyback, with further buybacks planned.
Transformation program delivered on schedule, enhancing operational efficiency, technology, and customer experience.
Financial highlights
Net interest income was £679.4 million, down 2% year-over-year; NIM was 228 bps, in line with guidance.
Profit before tax reached £382.5 million; basic EPS was 75.6p per share.
ROTE was 13.7% and TNAV per share increased to £5.79.
Administrative expenses rose 5% to £270.1 million, mainly due to transformation investment.
Retail deposit balances grew 2% to £24.3 billion, supporting 3.2% loan book growth.
Outlook and guidance
NIM guidance for 2026 is circa 225 bps, assuming normalization of funding costs.
ROTE expected to be low teens in 2026, mid-teens in 2027–2028, and top end of mid-teens in 2029.
Net loan book growth in 2026 anticipated to be similar to 2025; group expenses expected around £280 million.
CET1 target set at 13–13.5% post-Basel III.1 implementation.
Progressive dividend policy and continued commitment to return excess capital.
Quantify Basel 3.1's impact on CET1 and RWAs
Explain loan mix shift's impact on future NIM
Outline transformation program's final 2-year deliverables
Capital target path given MREL and buybacks
NIM guidance: current funding cost vs. assumption
Transformation: next efficiency gains and expansion
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Next OSB Group earnings date
Q1 2026 TU30 Apr, 2026
OSB Group
Next OSB Group earnings date
Q1 2026 TU30 Apr, 2026
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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.
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