ONESAVINGS BANK PLC (OSB) Shares

ABOUT ONESAVINGS BANK PLC

OneSavings Bank plc is a lending and retail services company based in the UK.

The company primarily targets market sub-sectors that offer high growth potential and attractive risk-adjusted returns in which it can take a leading position and where it has established expertise, platforms and capabilities.

It is funded primarily by retail savings originating from its Kent Reliance trading name, to include online and postal channels, as well as a network of branches in the South East of England.

Kent Reliance has a history dating back to 1847 and was transferred to OneSavings PLC after JC Flowers announced its intention to purchase the company in 2010.

Today Kent Reliance owns a 59.9% stake in OneSavings Bank, with JC Flowers owning the remaining 40.1%. The transfer became effective on 1 February 2011 and OneSavings PLC was renamed OneSavings Bank PLC.

OVERVIEW OF ONESAVINGS BANK PLC

• OneSavings Bank plc operates a diversified portfolio across three segments, namely buy-to-Let/SME, Residential Mortgages and Personal Loans.
• The company provides buy-to-let mortgages secured on residential property held for investment purposes by experienced and professional landlords and commercial mortgages secured on commercial and semi-commercial properties held for investment purposes or for owner occupation.
• It also provides residential development finance to small and medium sized developers and secured funding lines to other lenders.
• The company’s specialist lending is supported by a stable retail savings franchise with over 150 years of heritage, and a unique cost-efficient operating model. This model is based on the approach of enabling its customers to achieve their personal and business goals by providing access to fair financial services.
• The company also benefits from cost and efficiency advantages provided by its wholly owned subsidiary OSB India. To date, the company’s key strengths include its integrated multi-brand approach, its best-in-class customer service and its high employee retention rates.

VISION & VALUES OF ONESAVINGS BANK PLC

• OneSavings Bank plc‘s ethos is its community values.

• To this end, the company engages with the people in the county of Kent taking part in a variety of charitable events and partnerships.

• In 2018, the Bank raised £ 260 000 for its charity partners and its employees dedicated time in a variety of volunteering activities. OSB India is also heavily involved with the community local to the office in Bangalore, as well as in areas where there are critical needs.

MARKET PERFORMANCE OF ONESAVINGS BANK PLC

• OneSavings Bank plc currently trades on the Financial Times Stock Exchange (FTSE), where investors can buy shares under the stock symbol –OSB.

• Data from the company’s 2018 financial analysis shows a growth in underlying basic earnings per share of 14 % to 58.5 pence with underlying pre-tax profit up 15% to £ 193.6 million. The company saw good opportunities in other segments of the lending market where it already has expertise and a platform to build on.

• It expects to grow further through its InterBay Commercial brand and sees more opportunities to grow its residential lending franchise in the medium to longer term. 2018 was a year of excellent performance for the Bank, further building on its strengths and creating a business that can withstand macroeconomic uncertainty to deliver value for all its stakeholders.

• The Group wrote £ 3.0 billion of gross organic originations in the year at attractive margins despite continuing competition, especially for five-year fixed rate Buy-to-Let products.

• This strong performance against a financial backdrop of uncertainty caused by today’s ongoing Brexit negotiations sees the bank delivering a stable share price in 2019, with strong potential for good long-term yields in dividends. This makes for a solid buy-in for sustained growth going forward.

Buy ONESAVINGS BANK PLC stocks / shares – A Step by Step Guide how to Buy / Purchase ONESAVINGS BANK PLC Stocks or Shares online.

Before buying any stock or share one has to consider a few factors.

STEP 1: PROPER RESEARCH IS ESSENTIAL

Upon deciding you want to buy ONESAVINGS BANK PLC Stocks / Shares, it is critical for the serious investor to do proper research into the said company. Its values should align with those of the investor’s current portfolio. An investor needs to familiarise himself with the basics and history of the company, as well as its leadership and performance in the market. Its company reports should also be scrutinized.

Consultation with a brokerage firm can also assist in determining whether investing in a specific company will complement the investor’s current portfolio. The investment “risk ladder”, which identifies asset classes based on their relative riskiness, is another useful tool when determining which company’s stock / share is the best to buy.

STEP 2: CALCULATE THE AMOUNT OF INVESTMENT IN ONESAVINGS BANK PLC STOCKS / SHARES

It is important for an investor to monitor his total investment in stock in order to keep his portfolio aligned to his investment strategy. The overall value of his holdings will change with the fluctuation in stock prices, which can throw his portfolio off balance. To determine the amount to invest, multiply the number of shares of each stock by its current market price to determine the total investment in that specific stock. For example, if you own 100 shares of a US Dollar 5 stock, multiply 100 by US Dollar 5 to get US Dollar 500.

STEP 3: DECIDE ON THE STOCK / SHARE ORDER TYPE

Investors can choose from a market order, a limit order, a stop order (also referred to as a stop-loss order) or a buy/sell stop order. It is important to familiarise yourself with each type’s pros and cons before deciding which one will suit your current stock profile best. An investor should be guided in this choice by his investment objective.

STEP 4: OPEN A BROKERAGE ACCOUNT

A brokerage account – also known as taxable investment account – is similar to a retirement account, but more flexible. Where a retirement account has limitations on the amount of money that can be contributed annually, and restrictions on when funds can be withdrawn, a brokerage account is more flexible. The latter has no income or contribution limit and the investor can withdraw his money at any given time. This flexibility, together with its potential investment gains, makes a brokerage account more attractive to serious investors. Brokerage accounts are ideal for goals or savings that are further than five years away, but closer than retirement. It can also supplement an investor’s emergency savings.

STEP 5: COMMIT AND PURCHASE ONESAVINGS BANK PLC STOCKS / SHARES

Lastly, commit to the stock. Pro Tip: Monitor the value of your stock to ensure you have a growing stock value and dividend pay-out.  Regularly check the share price online to ensure your investment delivers a positive return on investment. You are now a proud owner of ONESAVINGS BANK PLC stocks / shares.

5 Questions to ask yourself before purchasing any stocks or shares.

1. Is it the best time to buy this stock / share?
2. Should I buy ONESAVINGS BANK PLC stocks / shares in the current economic climate?
3. Can I afford to buy this stock / share?
4. What is the forecast of the stock / share growth?
5. What is the current price per earning ration on the stock / share?