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United Kingdom The Directors present their Annual Report, together with the audited Financial Statements and Auditors Report for the year ended 31 December 2020. Insertion of a new ultimate holding company A new ultimate holding company, OSB GROUP PLC (OSBG), was inserted in November 2020 as part of the Group’s integration strategy following the Combination with Charter Court Financial Services Group (CCFS). OSBG became the new ultimate holding company and listed entity of the OSB Group. The OSB Group comprises OSBG and its subsidiaries, which include One Savings Bank plc (the Company or OSB) and its subsidiaries. OSB is a wholly-owned subsidiary of OSBG. The Onesavings Bank plc Group (the Group) comprises OSB and its subsidiaries.

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