One Savings Bank plc floated on the London Stock Exchange main market on 5 June 2014. The Group, which is headquartered in Chatham, Kent, is a specialist lending and retail savings group serving the UK, Jersey and Guernsey, and is authorised by the PRA, part of the Bank of England, and regulated by the FCA.
The Group focuses its specialist lending activities on selected sub-sectors of the lending market in which it has an established presence and expertise. The Group’s specialist segments include Residential and Buy-to-Let/SME Mortgages. The Group’s other specialist segment is Personal Loans. The Group originates almost all of its organic lending through specialist intermediaries. One Savings Bank lends through the Kent Reliance and associated Channel Islands brands, InterBay Commercial, Prestige Finance and Reliance Property Loans brands.
The Group is predominantly funded by retail savings originated through online and direct channels, as well as through a Kent Reliance branded network of six branches and three third party-operated agencies in the South East of England. The majority of the Group’s administrative support functions are performed by its wholly owned operations in Bangalore, India.

Chatham, GB
Size (employees)
520 (est)
Onesavings Bank was founded in 2011 and is headquartered in Chatham, GB
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Onesavings Bank Office Locations

Onesavings Bank has an office in Chatham
Chatham, GB (HQ)
Reliance House Sun Pier
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Onesavings Bank Financials and Metrics

Onesavings Bank Financials

Onesavings Bank's revenue was reported to be £305.10 m in FY, 2016 which is a 30.5% decrease from the previous period.

Revenue (FY, 2016)

305.1 m

Revenue growth (FY, 2015 - FY, 2016), %


Net income (FY, 2016)

120.9 m

Market capitalization (2-Oct-2017)

987 m

Closing share price (2-Oct-2017)


Cash (3-Feb-2018)

400 k
Onesavings Bank's current market capitalization is £987 m.
GBPFY, 2011FY, 2012FY, 2013FY, 2014FY, 2015FY, 2016


51.3 m102.8 m221.1 m336.3 m262 m305.1 m

Revenue growth, %



(9.6 m)(3.3 m)38.7 m82.9 m

EBIT margin, %

GBPFY, 2011FY, 2012FY, 2013FY, 2014FY, 2015FY, 2016


253 k282 k267 k288 k400 k400 k

Accounts Receivable

2.1 b2.9 b3.7 b4.8 b5.9 b6.5 b

Current Assets

2.2 b3 b3.7 b4.9 b6 b6.6 b


4.2 m5 m3.1 m9.6 m13.1 m
GBPFY, 2011FY, 2012FY, 2013FY, 2014FY, 2015FY, 2016

Net Income

(11.1 m)8 m26.8 m51.5 m84.1 m120.9 m

Cash From Operating Activities

145 m135.3 m(268.8 m)295.6 m(79.3 m)(315.2 m)

Dividends Paid

14.3 m23.3 m

Cash From Financing Activities

61.2 m(73.3 m)287.3 m(265 k)(88.8 m)54 m
GBPY, 2016

Financial Leverage

15.7 x
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