OSB Group Balance Sheet

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

Millions GBP. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Cash & Equivalents	1,111	2,799	3,231	2,514	3,044	2,737
Investment Securities	1,996	805.2	282.2	296	71.3	271.6
Trading Asset Securities	482	587.3	544.6	287.4	99.6	47.5
Mortgage-Backed Securities	-	608.5	742.1	325.4	251.1	119.1
Total Investments	2,478	2,001	1,569	908.8	422	438.2
Gross Loans	26,733	26,097	25,294	25,938	23,760	21,193
Allowance for Loan Losses	-130.6	-123.6	-126.9	-145.8	-130	-101.5
Other Adjustments to Gross Loans	-	-52.9	-41	-26.9	-17.6	-11.4
Net Loans	26,602	25,921	25,126	25,765	23,613	21,080
Property, Plant & Equipment	46.3	47.8	54.6	43.8	40.9	35.1
Other Intangible Assets	72.1	50.8	32.9	7.4	9.5	15.3
Other Receivables	6.2	1.7	14.8	0.6	1.7	-
Restricted Cash	-	38.2	40.6	101.4	174.6	107.5
Other Current Assets	1.5	235.7	150.4	220.4	247	107.9
Long-Term Deferred Tax Assets	5.5	5.4	3.5	1.8	4	2.6
Other Long-Term Assets	25.5	3.3	1.6	5.8	5.4	2.2
Total Assets	30,349	31,123	30,244	29,590	27,567	24,532
Accrued Expenses	-	39.6	33.8	26.5	28	23.2
Interest Bearing Deposits	25,468	24,730	23,925	22,190	19,869	17,619
Total Deposits	25,468	24,730	23,925	22,190	19,869	17,619
Short-Term Borrowings	61.7	492.1	235.8	221.9	61.7	0.5
Current Portion of Long-Term Debt	353.4	1,572	1,814	260.7	501.7	0.1
Current Portion of Leases	-	1.6	1.8	2.1	-	0.9
Current Income Taxes Payable	-	-	-	-	-	1
Other Current Liabilities	80.8	30.8	22.4	12.7	10.1	5.5
Long-Term Debt	2,119	1,932	1,963	4,715	4,862	4,805
Long-Term Leases	6	4.7	7.3	9.1	9.9	9.8
Long-Term Deferred Tax Liabilities	21.9	17.6	12	2.5	16.7	22.3
Other Long-Term Liabilities	4.4	3.4	4.6	0.8	0.4	2
Total Liabilities	28,116	28,826	28,020	27,445	25,366	22,508
Common Stock	3.4	3.6	3.7	3.9	4.3	4.5
Additional Paid-In Capital	6.2	6	4.5	3.8	2.4	0.7
Retained Earnings	3,412	3,457	3,406	3,330	3,389	3,215
Treasury Stock	-11.1	-0.9	-0.9	-1	-2.2	-3.5
Comprehensive Income & Other	-1,177	-1,169	-1,190	-1,192	-1,193	-1,192
Total Common Equity	2,233	2,297	2,223	2,145	2,201	2,024
Shareholders' Equity	2,233	2,297	2,223	2,145	2,201	2,024
Total Liabilities & Equity	30,349	31,123	30,244	29,590	27,567	24,532
Total Debt	2,540	4,002	4,021	5,209	5,435	4,816
Net Cash (Debt)	-946.6	-615.8	-244.9	-2,407	-2,280	-1,912
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-2.59	-1.65	-0.62	-5.72	-5.11	-4.22
Filing Date Shares Outstanding	350.5	355.84	379.8	393	429.43	447.78
Total Common Shares Outstanding	350.5	355.84	379.8	393	429.43	447.78
Book Value Per Share	5.90	5.98	5.46	5.08	4.78	4.19
Tangible Book Value	2,161	2,246	2,191	2,137	2,192	2,009
Tangible Book Value Per Share	5.69	5.84	5.37	5.06	4.75	4.15