OSB Group Income Statement

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

Millions GBP. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	1,915	2,099	1,767	1,069	746.8
Interest Paid on Deposits	1,235	1,433	1,108	359.4	159.2
Net Interest Income	679.4	666.4	658.6	709.9	587.6
Net Interest Income Growth (YoY)	1.95%	1.18%	-7.23%	20.81%	24.44%
Other Non-Interest Income	-11.4	0.8	-0.5	65.5	41.4
Total Non-Interest Income	-11.4	0.8	-0.5	65.5	41.4
Non-Interest Income Growth (YoY)	-	-	-	58.21%	13.74%
Revenues Before Loan Losses	668	667.2	658.1	775.4	629
Provision for Loan Losses	13	-12.8	48.5	30.7	-4.9
Revenue	655	680	609.6	744.7	633.9
Revenue Growth (YoY)	-3.68%	11.55%	-18.14%	17.48%	44.92%
Salaries and Employee Benefits	6.9	6.3	5.6	8.1	6.7
Selling, General & Administrative	263.2	251.1	227.3	195.9	155
Other Non-Interest Expense	2.4	2.7	0.4	-1.6	0.2
Total Non-Interest Expense	272.5	260.1	233.3	202.4	161.9
EBT Excluding Unusual Items	382.5	419.9	376.3	542.3	472
Asset Writedown	-	-	-	-	3.1
Pretax Income	382.5	418.1	374.3	531.5	464.6
Income Tax Expense	96.8	110	91.7	121.5	119.3
Net Income	285.7	308.1	282.6	410	345.3
Preferred Dividends & Other Adjustments	10.1	9	9	9	4.7
Net Income to Common	275.6	299.1	273.6	401	340.6
Net Income Growth	-7.27%	9.02%	-31.07%	18.74%	75.90%
Basic Shares Outstanding	365	386	414	442	448
Diluted Shares Outstanding	374	395	421	447	453
Shares Change (YoY)	-5.26%	-6.20%	-5.69%	-1.35%	0.56%
EPS (Basic)	0.76	0.78	0.66	0.91	0.76
EPS (Diluted)	0.74	0.76	0.65	0.90	0.75
EPS Growth	-2.77%	16.46%	-27.62%	19.41%	77.36%
Dividend Per Share	0.353	0.336	0.320	0.305	0.260
Dividend Growth	5.06%	5.00%	4.92%	17.31%	79.31%
Effective Tax Rate	25.31%	26.31%	24.50%	22.86%	25.68%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.