OSB Group Balance Sheet Health
Financial Health criteria checks 4/6
OSB Group has total assets of £30.7B and total equity of £2.2B. Total deposits are £24.3B, and total loans are £26.1B earning a Net Interest Margin of 2.3%. It has insufficient allowance for bad loans, which are currently at 3.6% of total loans. Cash and short-term investments are £3.6B.
Key information
14.1x
Asset to equity ratio
2.3%
Net interest margin
| Total deposits | UK£24.33b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 3.6% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | UK£3.60b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: OSBL's Assets to Equity ratio (14.1x) is moderate.
Allowance for Bad Loans: OSBL has a low allowance for bad loans (14%).
Low Risk Liabilities: 85% of OSBL's liabilities are made up of primarily low risk sources of funding.
Loan Level: OSBL has an appropriate level of Loans to Assets ratio (85%).
Low Risk Deposits: OSBL's Loans to Deposits ratio (107%) is appropriate.
Level of Bad Loans: OSBL has a high level of bad loans (3.6%).