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

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