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MarketBeat
Thu, March 5, 2026 astatine 6:07 AM CST 8 min read
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Results successful enactment with guidance: OSB delivered 2025 nett earlier taxation of £382.5m and EPS of 75.6p, raised the full-year dividend 5% and announced a further £100 cardinal stock buyback, with ROTE of 13.7% and CET1 of 15.8% (new people scope 13–13.5%).
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Lending premix shifting higher: nett loans grew 3.2% and originations from higher-yielding segments roseate 53% successful 2025 (now c.12% of the book), portion buy-to-let remains the largest class astatine 68% and three-month-plus arrears stayed unchangeable astatine 1.7%.
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Margins, costs and transformation: 2025 NIM was c.228bps (NIM excl. liquid assets 267bps) and absorption guided NIM of circa 225bps for 2026 assuming backing normalisation; administrative expenses roseate to £270.1m owed to translation investment, with radical costs guided to astir £280m successful 2026 and the tech overhaul reported connected track.
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OSB Group (LON:OSB) absorption told investors its 2025 full-year results were “in enactment with our 2025 guidance,” pointing to dependable indebtedness growth, continued advancement successful its multi-year exertion transformation, and further shareholder distributions done a higher dividend and a caller stock buyback.
In opening remarks, absorption said 2025 represented the archetypal twelvemonth of a modulation play outlined astatine the anterior year’s capitalist update, and that the radical had delivered against its targets portion gathering toward a medium-term plan. Net loans grew 3.2% successful 2025, which absorption said reflected subject successful maintaining charismatic returns connected tangible equity (ROTE) successful caller lending and was supported by “particularly beardown maturation successful commercialized lending.”
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The radical besides continued to displacement origination premix toward higher-yielding segments. Management reported originations from higher-yielding segments roseate 53% successful 2025, and the CFO aboriginal said those segments represented 12% of the full indebtedness publication astatine year-end, up from 9% successful 2024. Buy-to-let remained the largest class astatine 68% of the book.
Management highlighted underwriting and recognition show arsenic a cardinal strength, pointing to a debased indebtedness nonaccomplishment ratio and unchangeable arrears metrics. The CFO said three-month-plus arrears were unchanged astatine 1.7% astatine the extremity of 2025.
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CFO Victoria (no surname provided successful the transcript) reported nett involvement income of £679.4 million, down 2% year-on-year, with nett involvement borderline (NIM) down 2 ground points to 228 ground points (using 2024 NIM connected an underlying ground for comparability). She attributed year-on-year unit chiefly to a higher outgo of funds arsenic savings “recycle onto much costly spreads versus SONIA,” which was broadly offset by improved lending spreads arsenic backmost publication dynamics rolled done and caller concern was written astatine sustainable margins.
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