Overview by Risk Grade

App Risk	# Loans	£ Loaned '000	£ Outstanding '000	Late (< 30 days)	Late (30 < 90 days)	Late (> 90 days)	Total Loss	Total Gains	Avg. Term	Avg. Elapsed Term	Net Return
A+	2	55	54	0	0	2	49	0	53.5	1.0	-72.3%
A	24	995	157	0	0	8	151	217	50.1	31.6	3.7%
B	92	5035	961	0	0	26	643	1367	51.4	28.5	6.3%
C	193	12015	3135	1	0	61	1999	3904	55.8	31.1	7.1%
X+	9	563	244	1	1	0	0	194	19.8	7.2	37.5%
X	28	1869	295	2	1	1	0	397	13.9	6.9	32.9%
Y	33	2258	1759	1	0	3	0	931	23.6	1.9	37.9%
Z	472	18169	8661	5	4	31	0	5151	21.6	4.6	29.9%
ALL	853	40959	15266	10	6	132	2841	12161	35.8	15.9	14.9%

Overview by Years

Year	# Loans	£ Loaned '000	£ Outstanding '000	Late (< 30 days)	Late (30 < 90 days)	Late (> 90 days)	Total Loss	Total Gains	Avg. Term	Avg. Elapsed Term	Net Return
2013	27	1433	103	0	0	4	99	350	46.0	30.7	8.9%
2014	61	3233	466	0	0	15	426	868	53.2	27.2	5.8%
2015	70	4011	876	0	0	22	766	1173	53.3	32.0	4.3%
2016	30	2146	651	0	0	11	620	656	54.5	32.3	0.7%
2017	23	1276	196	0	0	7	178	453	55.8	31.5	8.7%
2018	20	1183	200	0	0	6	136	376	59.1	28.5	7.6%
2019	44	2294	675	0	0	15	406	877	52.2	30.7	9.4%
2020	48	1885	219	0	0	6	60	616	27.9	18.5	23.9%
2021	104	4103	937	0	1	14	46	1092	24.7	12.5	23.9%
2022	127	9211	2508	5	4	17	76	1875	21.2	6.3	21.1%
2023	110	6467	5019	4	0	13	28	3014	31.7	3.6	31.4%
2024	54	1230	991	0	0	1	0	469	20.2	8.3	43.3%
2025	83	1250	1207	0	0	1	0	281	14.9	0.2	34.5%
2026	52	1238	1218	1	1	0	0	60	30.9	0.9	14.2%
ALL	853	40959	15266	10	6	132	2841	12161	35.8	15.9	14.9%

Overview by Months

Month	# Loans	£ Loaned '000	£ Outstanding '000	Late (< 30 days)	Late (30 < 90 days)	Late (> 90 days)	Total Loss	Total Gains	Avg. Term	Avg. Elapsed Term	Net Return
Jul 2026	3	204	203	0	0	0	0	8	49.5	0.0	20.5%
Jun 2026	11	162	162	0	0	0	0	3	17.9	0.1	9.5%
May 2026	1	20	20	0	0	0	0	0	60.0	2.1	12.5%
Apr 2026	28	568	564	0	1	0	0	32	17.7	0.0	9.7%
Mar 2026	6	235	223	0	0	0	0	12	53.1	4.2	12.7%
Feb 2026	1	20	19	1	0	0	0	1	60.0	5.1	12.5%
Jan 2026	2	29	29	0	0	0	0	3	12.0	0.0	20.9%
Dec 2025	5	98	98	0	0	1	0	6	35.5	0.0	4.9%
Nov 2025	4	30	30	0	0	0	0	4	12.0	0.0	27.6%
Oct 2025	4	49	49	0	0	0	0	8	12.0	0.0	31.1%
ALL	65	1415	1397	1	1	1	0	77	24.3	0.5	12.8%

Overview by Region

Region	# Loans	£ Loaned '000	£ Outstanding '000	Late (< 30 days)	Late (30 < 90 days)	Late (> 90 days)	Total Loss	Total Gains	Avg. Term	Avg. Elapsed Term	Net Return
East England	41	1600	571	0	1	8	113	652	38.3	21.3	19.9%
East Midlands	39	1323	428	0	0	6	52	412	39.0	14.2	15.8%
Greater London	151	9563	3041	3	0	20	350	2503	30.1	11.2	17.0%
Home Counties	84	5295	1688	1	1	10	131	1196	18.3	7.7	24.6%
North East England	12	777	588	0	0	3	86	405	23.0	7.8	38.5%
North West England	86	4816	1496	0	0	12	325	1685	45.6	21.9	13.9%
Northern Ireland	12	688	263	0	0	3	94	253	59.1	36.0	9.4%
Scotland	15	1000	395	0	0	4	254	237	47.5	31.2	0.0%
South East England	85	4392	1145	1	3	16	162	1437	40.8	25.2	16.3%
South West England	71	2965	1157	2	0	12	286	884	38.2	17.4	14.0%
Wales	16	741	314	2	0	7	183	218	46.6	25.0	2.5%
West Midlands	52	2133	999	0	1	20	314	902	45.7	24.7	13.6%
Yorkshire and Humberside	63	3191	1318	1	0	10	490	956	47.4	15.4	8.9%
Other	126	2476	1864	0	0	1	0	422	26.8	0.8	15.1%
ALL	853	40959	15266	10	6	132	2841	12161	35.8	15.9	14.9%