OSB Group plc Financials

	FY25	FY24	FY23	FY22	FY21	FY20	YoY
Assets
Cash & Equivalents	£2.8B	£3.2B	£2.5B	£3.0B	£2.7B	£2.4B	-13.4%
Loans to Banks	—	£3.4B	£2.8B	£3.4B	£2.8B	£2.7B	—
Loans to Customers	£25.9B	£25.1B	£25.8B	£23.6B	£21.1B	£19.2B	+3.2%
Debt Securities	—	£1.0B	£818.5M	£265.9M	£460.3M	£421.9M	—
Derivative Assets	£101.4M	£313.8M	£530.6M	£888.1M	£185.7M	£12.3M	-67.7%
Property, Plant & Equipment	—	£54.6M	£43.8M	£40.9M	£35.1M	£39.2M	—
Intangible Assets	£66.9M	£48.8M	£26.1M	—	—	—	+37.1%
Deferred Tax Assets	£8.8M	£6.2M	£3.9M	£6.3M	£5.6M	£4.7M	+41.9%
Current Tax Assets	£1.7M	£14.8M	£600K	£1.7M	—	£8.4M	-88.5%
Other Assets	£21.0M	£17.8M	£27.6M	£15.0M	£10.2M	£9.1M	+18.0%
Total Assets	£31.1B	£30.2B	£29.6B	£27.6B	£24.5B	£22.7B	+2.9%
Liabilities
Deposits from Banks	—	£1.9B	£3.6B	£5.1B	£4.3B	£3.6B	—
Deposits from Customers	—	—	—	£19.8B	£17.5B	£16.6B	—
Derivative Liabilities	£152.0M	£81.9M	£199.9M	£106.6M	£19.7M	£163.6M	+85.6%
Subordinated Liabilities	—	£259.8M	£259.5M	—	£10.3M	£10.5M	—
Deferred Tax Liabilities	£20.5M	£13.1M	£6.3M	£22.3M	£39.8M	£48.3M	+56.5%
Current Tax Liabilities	—	—	—	—	£1.0M	—	—
Other Liabilities	£70.8M	£56.4M	£39.6M	£38.7M	£29.6M	£27.8M	+25.5%
Total Liabilities	£28.8B	£28.0B	£27.4B	£25.4B	£22.5B	£21.0B	+2.9%
Equity
Share Capital	£3.6M	£3.7M	£3.9M	£4.3M	£4.5M	£1.4B	-2.7%
Share Premium	£6.0M	£4.5M	£3.8M	£2.4M	£700K	—	+33.3%
Retained Earnings	£3.5B	£3.4B	£3.3B	£3.4B	£3.2B	£1.6B	+1.5%
Other Reserves	£1.0M	£800K	£600K	-£1.2B	-£1.2B	-£1.4B	+25.0%
Minority Interests	—	—	—	—	—	£60.0M	—
Total Equity	£2.3B	£2.2B	£2.1B	£2.2B	£2.0B	£1.7B	+3.3%

Currency: GBPPeriods: 6

Source: Annual Reports

	FY25	FY24	FY23	FY22	FY21	FY20	YoY
Assets
Cash & Equivalents	£2.8B	£3.2B	£2.5B	£3.0B	£2.7B	£2.4B	-13.4%
Loans to Banks	—	£3.4B	£2.8B	£3.4B	£2.8B	£2.7B	—
Loans to Customers	£25.9B	£25.1B	£25.8B	£23.6B	£21.1B	£19.2B	+3.2%
Debt Securities	—	£1.0B	£818.5M	£265.9M	£460.3M	£421.9M	—
Derivative Assets	£101.4M	£313.8M	£530.6M	£888.1M	£185.7M	£12.3M	-67.7%
Property, Plant & Equipment	—	£54.6M	£43.8M	£40.9M	£35.1M	£39.2M	—
Intangible Assets	£66.9M	£48.8M	£26.1M	—	—	—	+37.1%
Deferred Tax Assets	£8.8M	£6.2M	£3.9M	£6.3M	£5.6M	£4.7M	+41.9%
Current Tax Assets	£1.7M	£14.8M	£600K	£1.7M	—	£8.4M	-88.5%
Other Assets	£21.0M	£17.8M	£27.6M	£15.0M	£10.2M	£9.1M	+18.0%
Total Assets	£31.1B	£30.2B	£29.6B	£27.6B	£24.5B	£22.7B	+2.9%
Liabilities
Deposits from Banks	—	£1.9B	£3.6B	£5.1B	£4.3B	£3.6B	—
Deposits from Customers	—	—	—	£19.8B	£17.5B	£16.6B	—
Derivative Liabilities	£152.0M	£81.9M	£199.9M	£106.6M	£19.7M	£163.6M	+85.6%
Subordinated Liabilities	—	£259.8M	£259.5M	—	£10.3M	£10.5M	—
Deferred Tax Liabilities	£20.5M	£13.1M	£6.3M	£22.3M	£39.8M	£48.3M	+56.5%
Current Tax Liabilities	—	—	—	—	£1.0M	—	—
Other Liabilities	£70.8M	£56.4M	£39.6M	£38.7M	£29.6M	£27.8M	+25.5%
Total Liabilities	£28.8B	£28.0B	£27.4B	£25.4B	£22.5B	£21.0B	+2.9%
Equity
Share Capital	£3.6M	£3.7M	£3.9M	£4.3M	£4.5M	£1.4B	-2.7%
Share Premium	£6.0M	£4.5M	£3.8M	£2.4M	£700K	—	+33.3%
Retained Earnings	£3.5B	£3.4B	£3.3B	£3.4B	£3.2B	£1.6B	+1.5%
Other Reserves	£1.0M	£800K	£600K	-£1.2B	-£1.2B	-£1.4B	+25.0%
Minority Interests	—	—	—	—	—	£60.0M	—
Total Equity	£2.3B	£2.2B	£2.1B	£2.2B	£2.0B	£1.7B	+3.3%

Currency: GBPPeriods: 6

Source: Annual Reports

	FY25	FY24	FY23	FY22	FY21	FY20	YoY
Assets
Cash & Equivalents	£2.8B	£3.2B	£2.5B	£3.0B	£2.7B	£2.4B	-13.4%
Loans to Banks	—	£3.4B	£2.8B	£3.4B	£2.8B	£2.7B	—
Loans to Customers	£25.9B	£25.1B	£25.8B	£23.6B	£21.1B	£19.2B	+3.2%
Debt Securities	—	£1.0B	£818.5M	£265.9M	£460.3M	£421.9M	—
Derivative Assets	£101.4M	£313.8M	£530.6M	£888.1M	£185.7M	£12.3M	-67.7%
Property, Plant & Equipment	—	£54.6M	£43.8M	£40.9M	£35.1M	£39.2M	—
Intangible Assets	£66.9M	£48.8M	£26.1M	—	—	—	+37.1%
Deferred Tax Assets	£8.8M	£6.2M	£3.9M	£6.3M	£5.6M	£4.7M	+41.9%
Current Tax Assets	£1.7M	£14.8M	£600K	£1.7M	—	£8.4M	-88.5%
Other Assets	£21.0M	£17.8M	£27.6M	£15.0M	£10.2M	£9.1M	+18.0%
Total Assets	£31.1B	£30.2B	£29.6B	£27.6B	£24.5B	£22.7B	+2.9%
Liabilities
Deposits from Banks	—	£1.9B	£3.6B	£5.1B	£4.3B	£3.6B	—
Deposits from Customers	—	—	—	£19.8B	£17.5B	£16.6B	—
Derivative Liabilities	£152.0M	£81.9M	£199.9M	£106.6M	£19.7M	£163.6M	+85.6%
Subordinated Liabilities	—	£259.8M	£259.5M	—	£10.3M	£10.5M	—
Deferred Tax Liabilities	£20.5M	£13.1M	£6.3M	£22.3M	£39.8M	£48.3M	+56.5%
Current Tax Liabilities	—	—	—	—	£1.0M	—	—
Other Liabilities	£70.8M	£56.4M	£39.6M	£38.7M	£29.6M	£27.8M	+25.5%
Total Liabilities	£28.8B	£28.0B	£27.4B	£25.4B	£22.5B	£21.0B	+2.9%
Equity
Share Capital	£3.6M	£3.7M	£3.9M	£4.3M	£4.5M	£1.4B	-2.7%
Share Premium	£6.0M	£4.5M	£3.8M	£2.4M	£700K	—	+33.3%
Retained Earnings	£3.5B	£3.4B	£3.3B	£3.4B	£3.2B	£1.6B	+1.5%
Other Reserves	£1.0M	£800K	£600K	-£1.2B	-£1.2B	-£1.4B	+25.0%
Minority Interests	—	—	—	—	—	£60.0M	—
Total Equity	£2.3B	£2.2B	£2.1B	£2.2B	£2.0B	£1.7B	+3.3%

Currency: GBPPeriods: 6

Source: Annual Reports

	FY25	FY24	FY23	FY22	FY21	FY20	YoY
Assets
Cash & Equivalents	£2.8B	£3.2B	£2.5B	£3.0B	£2.7B	£2.4B	-13.4%
Loans to Banks	—	£3.4B	£2.8B	£3.4B	£2.8B	£2.7B	—
Loans to Customers	£25.9B	£25.1B	£25.8B	£23.6B	£21.1B	£19.2B	+3.2%
Debt Securities	—	£1.0B	£818.5M	£265.9M	£460.3M	£421.9M	—
Derivative Assets	£101.4M	£313.8M	£530.6M	£888.1M	£185.7M	£12.3M	-67.7%
Property, Plant & Equipment	—	£54.6M	£43.8M	£40.9M	£35.1M	£39.2M	—
Intangible Assets	£66.9M	£48.8M	£26.1M	—	—	—	+37.1%
Deferred Tax Assets	£8.8M	£6.2M	£3.9M	£6.3M	£5.6M	£4.7M	+41.9%
Current Tax Assets	£1.7M	£14.8M	£600K	£1.7M	—	£8.4M	-88.5%
Other Assets	£21.0M	£17.8M	£27.6M	£15.0M	£10.2M	£9.1M	+18.0%
Total Assets	£31.1B	£30.2B	£29.6B	£27.6B	£24.5B	£22.7B	+2.9%
Liabilities
Deposits from Banks	—	£1.9B	£3.6B	£5.1B	£4.3B	£3.6B	—
Deposits from Customers	—	—	—	£19.8B	£17.5B	£16.6B	—
Derivative Liabilities	£152.0M	£81.9M	£199.9M	£106.6M	£19.7M	£163.6M	+85.6%
Subordinated Liabilities	—	£259.8M	£259.5M	—	£10.3M	£10.5M	—
Deferred Tax Liabilities	£20.5M	£13.1M	£6.3M	£22.3M	£39.8M	£48.3M	+56.5%
Current Tax Liabilities	—	—	—	—	£1.0M	—	—
Other Liabilities	£70.8M	£56.4M	£39.6M	£38.7M	£29.6M	£27.8M	+25.5%
Total Liabilities	£28.8B	£28.0B	£27.4B	£25.4B	£22.5B	£21.0B	+2.9%
Equity
Share Capital	£3.6M	£3.7M	£3.9M	£4.3M	£4.5M	£1.4B	-2.7%
Share Premium	£6.0M	£4.5M	£3.8M	£2.4M	£700K	—	+33.3%
Retained Earnings	£3.5B	£3.4B	£3.3B	£3.4B	£3.2B	£1.6B	+1.5%
Other Reserves	£1.0M	£800K	£600K	-£1.2B	-£1.2B	-£1.4B	+25.0%
Minority Interests	—	—	—	—	—	£60.0M	—
Total Equity	£2.3B	£2.2B	£2.1B	£2.2B	£2.0B	£1.7B	+3.3%

Currency: GBPPeriods: 6

Source: Annual Reports