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
Net Interest Income	679.4	666.4	658.6	709.9	587.6
Net Interest Income Growth	1.95%	1.18%	-7.23%	20.81%	24.44%
Non-Interest Income	-11.4	0.8	-0.5	65.5	41.4
Non-Interest Income Growth	-	-	-	58.21%	13.74%
Revenues Before Loan Losses	668	667.2	658.1	775.4	629
Provision for Credit Losses	13	-11.7	48.8	29.8	-4.4
Revenue	655	678.9	609.3	745.6	633.4
Revenue Growth (YoY)	-3.52%	11.42%	-18.28%	17.71%	44.74%
Compensation Expenses	270.1	258.1	234.6	207.8	166.5
Other Non-Interest Expenses	2.4	2.7	0.4	6.3	2.3
Total Non-Interest Expense	272.5	260.8	235	214.1	168.8
Pretax Income	382.5	418.1	374.3	531.5	464.6
Provision for Income Taxes	96.8	110	91.7	121.5	119.3
Net Income	285.7	308.1	282.6	410	345.3
Minority Interest in Earnings	-	-	-	-	4.7
Net Income to Common	285.7	308.1	282.6	409.5	340.1
Net Income Growth	-7.27%	9.02%	-30.99%	20.41%	77.78%
Shares Outstanding (Basic)	365	386	414	442	448
Shares Outstanding (Diluted)	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%
Free Cash Flow	287.3	2,311	503	559.3	-235.8
Free Cash Flow Growth	-87.57%	359.48%	-10.07%	-	-
Free Cash Flow Per Share	0.77	5.85	1.19	1.25	-0.52
Dividends Per Share	0.353	0.336	0.320	0.305	0.260
Dividend Growth	5.06%	5.00%	4.92%	17.31%	79.31%
Profit Margin	43.62%	45.38%	46.38%	54.99%	54.52%
FCF Margin	43.86%	340.43%	82.55%	75.01%	-37.23%
Effective Tax Rate	25.31%	26.31%	24.50%	22.86%	25.68%