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OSB Group
OSB Group (OSB) investor relations material
OSB Group Q3 2025 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 TU earnings summary6 Nov, 2025
Executive summary
Performance for the nine months to 30 September 2025 was in line with expectations and on track to meet full-year guidance.
Strategic progress included a focus on higher-yielding loan segments and the sale of a second charge mortgage portfolio.
Transformation initiatives advanced, including migration to a new savings platform and increased processing on a new lending platform.
Financial highlights
Net loan book grew by 1.8% to £25.6bn; excluding the £130m second charge loan sale, growth would have been 2.3% from 31 December 2024.
Originations rose 19% year-over-year to £3.4bn.
Retail deposits increased by 6.0% to £25.3bn.
Total assets increased by 2.4% to £31.0bn, with a 4.9% rise in liquid assets.
Three months plus arrears improved to 1.7% from 1.8% at 30 June 2025.
Outlook and guidance
On track to meet 2025 guidance for net interest margin, administrative expenses, loan book growth, and return on tangible equity.
Buy-to-Let market remains subdued, but fundamentals of the UK Private Rented Sector are strong.
Focus remains on optimizing balance sheet and delivering medium-term aspirations.
Explain RWA increase post-sale and yield strategy
How does securitisation pricing mitigate funding costs?
What is the strategic goal for Rely brand launch?
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Next OSB Group earnings date
Q4 20255 Mar, 2026
OSB Group
Next OSB Group earnings date
Q4 20255 Mar, 2026
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Frequently asked questions
OSB Group Plc is a UK-based specialist mortgage lender, primarily focused on providing residential, buy-to-let, and commercial mortgages. The company operates through its lending brands, including Kent Reliance and InterBay Commercial, offering tailored financial solutions to professional landlords, property investors, and businesses. In addition to mortgage lending, OSB Group provides retail savings products through its banking divisions, catering to both personal and business customers. The company serves a range of sectors, with a focus on complex lending needs that may not be addressed by mainstream banks. The company is headquartered in Chatham, England, and its shares are listed on the London Stock Exchange.
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