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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
OSB Group
OSB Group (OSB) investor relations material
OSB Group Q3 2026 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 TU earnings summary5 Nov, 2026
Executive summary
Nine-month performance was resilient, in line with 2026 guidance; originations rose and strong capital generation continued in Q3.
Loan book growth remained in line with expectations at end-October, with new lending written at sustainable margins.
Financial highlights
Net loan book rose 1.9% (£502.6m) to £26,423.2m from Dec 2025; originations increased 4% to £3.5bn from £3.4bn.
Retail deposits increased 3.0% (£735.7m) to £24,986.8m; total assets declined 0.5% to £30,959.2m amid liquidity portfolio optimisation.
A small Q3 fair-value gain on unhedged mortgage pipeline swaps was mostly offset by a small increase in impairment charge.
Outlook and guidance
2026 guidance remains unchanged from interim results; longer-term aspirations remain intact.
Basel 3.1 implementation from 1 Jan 2027 is expected to reduce the CET1 ratio at 30 Jun 2026 by 1.2%, reflecting a 9% RWA uplift.
From 1 Jan 2027, the Pillar 2A requirement is expected to fall 55bps, lowering minimum capital requirements from 9.5% to 8.9%.
Capital needs, target and shareholder distributions for 2027 will be reviewed as capital requirement clarity improves; ROTE guidance excludes the Holdco tender outcome.
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Latest events from OSB Group
- Net loan book up 1.3%, originations up 10%, NIM at 223bps, ROTE at 13.3%.OSB
Q2 2026 - Q1 2026 saw resilient growth, robust capital, and strong lending amid ongoing transformation.OSBQ1 2026 TU
- Professional landlords and tech transformation drive growth and resilience in the UK rental sector.OSBInvestor update
- Strong 2025: 3.2% loan growth, 228bps NIM, 5% dividend hike, £100m buyback, and positive outlook.OSBH2 2025
- Loan book and deposits grew, capital remained strong, and strategic initiatives progressed.OSBQ3 2025 TU
- Profit before tax down 20% to £192.3m; loan book, capital, and digital progress maintained.OSBH1 2025
- Net loans up 2% and Q3 originations at £0.9bn, with strong capital and stable margins.OSBQ3 2024 TU
- Underlying profit more than doubled, NIM rose, and a £50m share buyback was announced.OSBH1 2024
- Profit up 4% with 16% ROE; NIM stabilizing, strong capital returns, and CET1 target at 14%.OSBH2 2024
Next OSB Group earnings date
Q4 202615 Mar, 2027
OSB Group
Next OSB Group earnings date
Q4 202615 Mar, 2027
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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.