Better Health for All

OSB Group has implemented excellent mental health programs, including increasing its network of trained UK Mental Health First Aiders to 48

and introducing 28 trained Mental Health First Aiders in OSB India . The company supports mental health and well-being through advice and workshops for employees and line managers , and its 2023 Diversity, Equity and Inclusion calendar featured activities to raise awareness and provide resources for health and wellbeing conversations . Additionally, employees contributed to mental and physical wellness programs for 149 partners . The company's core business of lending and savings has no significant direct positive or negative health impact, and its products do not carry health risks, have addiction potential, or involve health data, R&D, or clinical trials. There is no evidence of specific investment in health literacy or external healthcare workforce development. While the company has provided healthcare equipment and funded dialysis sessions for underprivileged individuals in India , the extent of reach or funding as a percentage of revenue is not specified.

Fair Money & Economic Opportunity

OSB Group reinvests approximately 0.4% of its projected operating profit into community initiatives.

The company invested over £1 million annually into community initiatives aimed at boosting financial literacy and supporting vulnerable populations, compared to a projected operating profit of approximately £250 million for the financial year ending December 2023. These initiatives include providing education to orphanages and government schools, and healthcare equipment to hospitals in economically disadvantaged communities through its OSB India teams.

Fair Pay & Worker Respect

OSB Group ensures all UK employees and regularly contracted third-party staff earn more than published Real Living Wage rates, and offers a Sharesave Scheme to all UK employees.

The company's overall regretted attrition rate for the Group in 2024 was approximately 8.9%. Employee engagement is strong, with a '2 Star' rating in the 2024 Best Companies survey and a UK Glassdoor score of 4.1 out of 5 at the end of 2024. OSB India was also certified as a ‘Great Place to Work’ for the eighth consecutive year. However, the mean gender pay gap for all UK OSB Group entities was 35.5% as of April 5, 2024, meaning women earn 64.5% of men's mean hourly pay. The total injury rate (TRIR) was 8.452 in 2024, with one lost-time incident resulting in five lost working days.

Fair Trade & Ethical Sourcing

OSB Group PLC operates in the mortgage finance industry, providing financial services, and does not manufacture goods or source physical materials.

Consequently, KPIs related to fair-trade certification, supply chain traceability, and high-risk material spend are not applicable to its business model. The company implements a Vendor Code of Conduct and Ethics, prohibiting forced or child labor. In 2023, OSB engaged with suppliers via a questionnaire to assess their approach to ESG issues, including modern slavery and diversity, equity, and inclusion. The company published a Modern Slavery Statement, and its Vendor Management team conducts testing of key controls for third-party modern slavery risks. Mandatory training modules on modern slavery achieved a 98.7% completion rate. However, the provided articles do not contain specific data points for other KPIs, such as the frequency of supplier audits, the number of substantiated forced or child labor incidents, remediation speed, or the percentage of contracts with enforceable ethical clauses.

Honest & Fair Business

OSB Group PLC maintains a robust anti-bribery and corruption policy with a zero-tolerance stance, applicable to all employees, contractors, and third-party service providers across all operating jurisdictions.

Mandatory anti-bribery and corruption training is provided to all employees, achieving a 99.28% completion rate for the Financial Crime 2024 module. The Financial Crime Policy is annually reviewed and approved by the Group Audit Committee. The company also has a formal Whistleblowing policy, annually reviewed, designed to empower employees and concerned individuals to report misconduct promptly and confidentially via a dedicated email channel. Whistleblowing cases are treated with fairness and consistency, protecting the whistleblower’s identity, and anonymous allegations are investigated. A Non-Executive Director serves as the whistleblowing champion, and Whistleblowing Reports are a standing agenda item for the Group Audit Committee, with an Annual Whistleblowing Report delivered to the Board.

Kind to Animals

OSB Group PLC lacks a dedicated policy on animal welfare

, with its ESG initiatives focusing on environmental sustainability and social commitments rather than animal welfare issues . As a financial services company, OSB Group PLC does not have animal-derived products, conduct animal testing, or engage in animal agriculture. Therefore, KPIs related to cruelty-free certification, alternative testing methods, humane certifications for operations, ethical input substitution, supplier audits for welfare, cage-free sourcing, animal testing policy and volume, innovation investment in animal-free technologies, animal agriculture ethics, and animal-free R&D collaboration are not applicable. The company's commitment to net zero carbon emissions is an environmental goal , not a direct wildlife conservation initiative with measurable biodiversity impact.

No War, No Weapons

OSB Group PLC, a mortgage finance company, has no direct involvement in arms manufacturing or military contracts, and its business model ensures no ties to the arms industry.

This means it has no defense assets to divest, no exposure to controversial weapons, and no revenue from arms or defense contracts. The company does not engage in active or specific peacebuilding initiatives. While it provided over £288,000 in charitable donations in 2023 and employees volunteered 4,998 hours, these efforts are not specified as peacebuilding or disarmament-focused.

Planet-Friendly Business

OSB Group's total Scope 1, 2, and 3 emissions were 308,273.69 tCO2e in 2024.

Financed emissions, representing 96% of the total, decreased by 19% from the 2022 baseline, while operational emissions reduced by 33.8% from the same baseline. The company has committed to setting science-based targets, with an interim target to reduce mortgage lending emissions intensity by 25% by 2030 from a 2022 baseline, but awaits full SBTi validation. For operational energy, 100% of electricity purchased for UK offices and branches in 2024 came from renewable tariffs. Water usage was minimal, at 8.65 m3 per $1 million revenue in 2023. Net-zero targets include Scope 1 and 2 by 2030 and the entire value chain by 2050, supported by a Climate Transition Plan and interim financed emissions targets. TCFD disclosures are consistent with recommendations, verified by Deloitte LLP, and climate risk is integrated into the Enterprise Risk Management Framework, though further alignment work is acknowledged. Annual climate scenario analysis uses RCP 2.6 and RCP 8.5 pathways to assess loan portfolio impacts. Detailed disclosures of climate-affected assets, including flood and subsidence risks, are provided with quantification, and a £50m Landlord Leader Fund supports property upgrades. High-quality carbon offsets (Gold Standard/VCS) covered approximately 26.8% of operational emissions in 2024.

Respect for Cultures & Communities

OSB Group PLC's business model as a specialist lending and retail savings group primarily operating in the UK does not involve operations that would impact indigenous peoples or require Free, Prior and Informed Consent (FPIC) processes. The company has formal partnerships with general charities such as Demelza Children’s Hospice and Depaul UK

, which focus on children's end-of-life care and youth homelessness , rather than specific indigenous or local community groups for cultural preservation or heritage.

Safe & Smart Tech

No specific, quantifiable evidence was found in the provided articles to assess the company against the defined KPIs for Safe & Smart Tech. While the articles mention general commitments to IT and cyber security improvements

, data governance , penetration testing , and incident response procedures , they do not provide the specific metrics, percentages, or incident details required by the rubric's scoring thresholds for any of the KPIs.

Zero Waste & Sustainable Products

The company operates a 'Zero to Landfill' waste policy, ensuring all Group waste is either reused, recycled, or sent to a dedicated Energy from Waste facility.

It has implemented 7 waste reduction initiatives, including providing recycling and waste segregation stations at all offices, operating a fully paperless office in India which saved approximately 3,400 A4 sheets of paper, and conducting a UK campaign to categorize plastic waste. Hazardous waste, such as batteries and electrical equipment, is stored and disposed of according to UK regulations using licensed organizations, and operational processes do not generate hazardous waste beyond typical office environments. No waste disposal violations or fines are mentioned across the provided annual reports for the past three years (2022-2024). Comprehensive waste-related requirements are in place for third-party suppliers, including compliance with environmental legislation, a written environmental policy, and a management system to address environmental impacts, supported by a pilot scheme and surveys to gauge understanding and maturity.