1
Strategic report
OCU Group | Annual report and financial statements 2025
Governance
Financial statements
Contents
Strategic report
Financial statements
Highlights
2 3 5 6 9
Statement of Directors’ responsibilities
104 105
What we do
Independent auditor’s report Consolidated statement of comprehensive income
Our culture and values
108
How we do it
Consolidated statement of financial position Consolidated statement of changes in equity
Our heritage and FY25 highlights
109
Market opportunity Chair’s statement
10 25 27 30 34 47 52 54 55 75 84 89 91
110 111
CEO report What we do
Consolidated cash flow statement Notes to the consolidated financial statements Parent company statement of financial position Parent company statement of changes in equity Notes to the parent company financial statements
Operational review
112
Our strategy
129
Business model
Sustainability highlights
130
Our sustainability approach Reporting and performance Stakeholders & section 172 Chief Financial Officer’s review
131 134
Notes
Risks
Governance
Chair’s introduction to governance
95 96 98 99
Board of Directors
Board purpose and leadership
Division of responsibilities
Governance structure
100 101 102
Committees
Directors’ report
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