OSB Group Plc (OSBGF)

OSB Group Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	2,099	1,767	1,069	746.8	711.9
Interest Paid on Deposits	1,433	1,108	359.4	159.2	239.7
Net Interest Income	666.4	658.6	709.9	587.6	472.2
Net Interest Income Growth (YoY)	1.18%	-7.23%	20.81%	24.44%	36.99%
Other Non-Interest Income	0.8	-0.5	65.5	41.4	36.4
Total Non-Interest Income	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	667.2	658.1	775.4	629	508.6
Provision for Loan Losses	-12.8	48.5	30.7	-4.9	71.2
Revenue	680	609.6	744.7	633.9	437.4
Revenue Growth (YoY)	11.55%	-18.14%	17.48%	44.92%	30.53%
Salaries and Employee Benefits	6.3	5.6	8.1	6.7	5.1
Selling, General & Administrative	251.07	227.3	195.9	155	147.6
Other Non-Interest Expense	2.7	0.4	-1.6	0.2	0.1
Total Non-Interest Expense	260.07	233.3	202.4	161.9	152.8
EBT Excluding Unusual Items	419.93	376.3	542.3	472	284.6
Asset Writedown	-	-	-	3.1	-7
Pretax Income	418.1	374.3	531.5	464.6	260.4
Income Tax Expense	110	91.7	121.5	119.3	64.1
Net Income	308.1	282.6	410	345.3	196.3
Preferred Dividends & Other Adjustments	9	9	9	4.7	5.5
Net Income to Common	299.1	273.6	401	340.6	190.8
Net Income Growth	9.02%	-31.07%	18.74%	75.90%	23.61%
Basic Shares Outstanding	386	414	442	448	446
Diluted Shares Outstanding	395	421	447	453	450
Shares Change (YoY)	-6.20%	-5.69%	-1.35%	0.56%	53.44%
EPS (Basic)	0.78	0.66	0.91	0.76	0.43
EPS (Diluted)	0.76	0.65	0.90	0.75	0.42
EPS Growth	16.46%	-27.62%	19.41%	77.36%	-18.77%
Dividend Per Share	0.336	0.320	0.305	0.260	0.145
Dividend Growth	5.00%	4.92%	17.31%	79.31%	195.92%
Effective Tax Rate	26.31%	24.50%	22.86%	25.68%	24.62%

Source: S&P Capital IQ. Banks template. Financial Sources.