OSB Group Income Statement

Financials in millions GBP. Fiscal year is January - December.

Millions GBP. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Interest Income on Loans	1,990	2,099	1,767	1,069	746.8	711.9	Upgrade
Interest Paid on Deposits	1,340	1,433	1,108	359.4	159.2	239.7	Upgrade
Net Interest Income	649.9	666.4	658.6	709.9	587.6	472.2	Upgrade
Net Interest Income Growth (YoY)	-16.10%	1.18%	-7.23%	20.81%	24.44%	36.99%	Upgrade
Other Non-Interest Income	-19.5	0.8	-0.5	65.5	41.4	36.4	Upgrade
Total Non-Interest Income	-19.5	0.8	-0.5	65.5	41.4	36.4	Upgrade
Non-Interest Income Growth (YoY)	-	-	-	58.21%	13.74%	1416.67%	Upgrade
Revenues Before Loan Losses	630.4	667.2	658.1	775.4	629	508.6	Upgrade
Provision for Loan Losses	-6.1	-12.8	48.5	30.7	-4.9	71.2	Upgrade
Revenue	636.5	680	609.6	744.7	633.9	437.4	Upgrade
Revenue Growth (YoY)	-19.36%	11.55%	-18.14%	17.48%	44.92%	30.53%	Upgrade
Salaries and Employee Benefits	6.3	6.3	5.6	8.1	6.7	5.1	Upgrade
Selling, General & Administrative	256.3	251.1	227.3	195.9	155	147.6	Upgrade
Other Non-Interest Expense	3	2.7	0.4	-1.6	0.2	0.1	Upgrade
Total Non-Interest Expense	265.6	260.1	233.3	202.4	161.9	152.8	Upgrade
EBT Excluding Unusual Items	370.9	419.9	376.3	542.3	472	284.6	Upgrade
Asset Writedown	-	-	-	-	3.1	-7	Upgrade
Pretax Income	369.1	418.1	374.3	531.5	464.6	260.4	Upgrade
Income Tax Expense	97.2	110	91.7	121.5	119.3	64.1	Upgrade
Net Income	271.9	308.1	282.6	410	345.3	196.3	Upgrade
Preferred Dividends & Other Adjustments	9	9	9	9	4.7	5.5	Upgrade
Net Income to Common	262.9	299.1	273.6	401	340.6	190.8	Upgrade
Net Income Growth	-32.30%	9.02%	-31.07%	18.74%	75.90%	23.61%	Upgrade
Basic Shares Outstanding	374	386	414	442	448	446	Upgrade
Diluted Shares Outstanding	384	395	421	447	453	450	Upgrade
Shares Change (YoY)	-5.18%	-6.20%	-5.69%	-1.35%	0.56%	53.44%	Upgrade
EPS (Basic)	0.70	0.78	0.66	0.91	0.76	0.43	Upgrade
EPS (Diluted)	0.69	0.76	0.65	0.90	0.75	0.42	Upgrade
EPS Growth	-29.37%	16.46%	-27.62%	19.41%	77.36%	-18.77%	Upgrade
Dividend Per Share	0.341	0.336	0.320	0.305	0.260	0.145	Upgrade
Dividend Growth	4.92%	5.00%	4.92%	17.31%	79.31%	195.92%	Upgrade
Effective Tax Rate	26.33%	26.31%	24.50%	22.86%	25.68%	24.62%	Upgrade

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.