Half Year 2022 OSB Group PLC Earnings Call Transcript
Good morning or good afternoon, all, and welcome to the OSB Group half year results call. My name is Adam, and I'll be your operator today. (Operator Instructions)
I would now hand you over to Andy Golding to begin. So Andy, please go ahead when you are ready.
Thank you very much. Good morning, everybody, and welcome to OSB Group's 2022 Interim Results. And thank you, as always, for joining the call today. I'm going to start by covering 1 or 2 highlights in terms of the performance for the first half of the year and an overview of the group. April will then take you through some more detail in terms of the numbers, then you'll hear a little bit more from me around how our lending and savings franchises have performed followed by our outlook before we open up to Q&A.
I am delighted that we've had a record half for profit before tax, up 16%, while retaining our class-leading 24% return on equity. This performance was supported by an improving net interest margin and an expanded
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