OSB Group Balance Sheet

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
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
Cash & Equivalents	2,815	3,231	2,514	3,044	2,737	2,371
Investment Securities	361	282.2	296	71.3	271.6	160.8
Trading Asset Securities	605.4	544.6	287.4	99.6	47.5	193.9
Mortgage-Backed Securities	724.1	742.1	325.4	251.1	119.1	310.4
Total Investments	1,691	1,569	908.8	422	438.2	665.1
Gross Loans	25,604	25,294	25,938	23,760	21,193	19,350
Allowance for Loan Losses	-125.1	-126.9	-145.8	-130	-101.5	-111
Other Adjustments to Gross Loans	-49.5	-41	-26.9	-17.6	-11.4	-8.1
Net Loans	25,430	25,126	25,765	23,613	21,080	19,231
Property, Plant & Equipment	53.6	54.6	43.8	40.9	35.1	39.2
Other Intangible Assets	58.3	32.9	7.4	9.5	15.3	18.4
Other Receivables	10.5	14.8	0.6	1.7	-	8.4
Restricted Cash	34.3	40.6	101.4	174.6	107.5	95
Other Current Assets	165.4	150.4	220.4	247	107.9	218.4
Long-Term Deferred Tax Assets	7.3	3.5	1.8	4	2.6	4.7
Other Long-Term Assets	22.8	1.6	5.8	5.4	2.2	1.8
Total Assets	30,288	30,244	29,590	27,567	24,532	22,655
Accrued Expenses	40.8	33.8	26.5	28	23.2	19.7
Interest Bearing Deposits	25,031	23,925	22,190	19,869	17,619	16,676
Total Deposits	25,031	23,925	22,190	19,869	17,619	16,676
Short-Term Borrowings	186.9	235.8	221.9	61.7	0.5	171.9
Current Portion of Long-Term Debt	84.9	1,814	260.7	501.7	0.1	0.9
Current Portion of Leases	-	1.8	2.1	-	0.9	0.9
Current Income Taxes Payable	-	-	-	-	1	-
Other Current Liabilities	88.8	22.4	12.7	10.1	5.5	7.5
Long-Term Debt	2,647	1,963	4,715	4,862	4,805	4,039
Long-Term Leases	8.2	7.3	9.1	9.9	9.8	10.8
Long-Term Deferred Tax Liabilities	15.8	12	2.5	16.7	22.3	48.3
Other Long-Term Liabilities	4.2	4.6	0.8	0.4	2	1.8
Total Liabilities	28,108	28,020	27,445	25,366	22,508	20,978
Common Stock	3.6	3.7	3.9	4.3	4.5	1,360
Additional Paid-In Capital	4.9	4.5	3.8	2.4	0.7	-
Retained Earnings	3,363	3,406	3,330	3,389	3,215	1,609
Treasury Stock	-0.9	-0.9	-1	-2.2	-3.5	-4
Comprehensive Income & Other	-1,191	-1,190	-1,192	-1,193	-1,192	-1,348
Total Common Equity	2,179	2,223	2,145	2,201	2,024	1,617
Minority Interest	-	-	-	-	-	60
Shareholders' Equity	2,179	2,223	2,145	2,201	2,024	1,677
Total Liabilities & Equity	30,288	30,244	29,590	27,567	24,532	22,655
Total Debt	2,927	4,021	5,209	5,435	4,816	4,224
Net Cash (Debt)	493.5	-244.9	-2,407	-2,280	-1,912	-1,498
Net Cash Per Share	1.29	-0.62	-5.72	-5.11	-4.22	-3.33
Filing Date Shares Outstanding	368.7	379.8	393	429.43	447.78	446.31
Total Common Shares Outstanding	368.7	379.8	393	429.43	447.78	446.31
Book Value Per Share	5.50	5.46	5.08	4.78	4.19	3.62
Tangible Book Value	2,121	2,191	2,137	2,192	2,009	1,599
Tangible Book Value Per Share	5.35	5.37	5.06	4.75	4.15	3.58

Source: S&P Global Market Intelligence. Banks template. Financial Sources.