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	54	0	53.5	1.0	-117.1%
A	24	995	157	0	0	8	151	217	50.1	31.6	3.7%
B	92	5035	996	0	0	26	643	1357	51.4	28.2	6.3%
C	192	11856	3188	1	1	60	1966	3833	55.7	30.7	7.0%
X+	9	563	244	1	1	0	0	158	19.8	7.2	31.2%
X	28	1869	295	1	1	1	0	358	13.9	6.9	29.9%
Y	31	2218	1724	0	0	3	0	732	23.8	1.9	31.0%
Z	412	16981	7669	9	2	26	0	4063	21.1	4.4	26.1%
ALL	790	39572	14328	12	5	126	2813	10718	35.9	16.0	13.1%

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	690	0	0	15	411	860	52.2	30.4	9.1%
2020	48	1885	227	0	0	6	60	601	27.9	18.2	23.4%
2021	104	4103	957	1	0	11	32	1030	24.7	12.3	23.1%
2022	127	9211	2597	3	5	17	76	1640	21.2	5.9	18.9%
2023	110	6467	5134	6	0	10	9	2330	31.7	2.9	25.7%
2024	54	1230	1170	0	0	2	0	284	19.6	3.3	30.8%
2025	72	1101	1061	2	0	0	0	96	12.7	0.1	18.5%
ALL	790	39572	14328	12	5	126	2813	10718	35.9	16.0	13.1%

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
Oct 2025	2	29	29	0	0	0	0	0	12.0	0.0	120.0%
Aug 2025	2	24	24	0	0	0	0	1	12.0	0.0	9.1%
Jul 2025	11	169	168	0	0	0	0	8	17.1	0.3	12.3%
Jun 2025	2	12	12	0	0	0	0	1	12.0	0.0	15.0%
May 2025	2	13	13	0	0	0	0	1	12.0	0.0	18.0%
Apr 2025	28	400	400	2	0	0	0	38	12.0	0.0	20.1%
Mar 2025	19	357	317	0	0	0	0	33	12.0	0.0	19.2%
Jan 2025	6	99	99	0	0	0	0	15	10.8	0.0	32.5%
Nov 2024	3	41	41	0	0	0	0	5	10.4	0.0	36.7%
ALL	75	1144	1103	2	0	0	0	102	12.6	0.0	22.6%

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	598	1	1	7	113	586	38.3	20.7	17.8%
East Midlands	39	1323	428	1	0	5	52	371	39.0	14.2	14.2%
Greater London	150	9540	3055	3	0	20	345	2195	30.1	11.0	14.9%
Home Counties	83	5272	1670	1	1	10	131	1005	18.1	7.6	21.0%
North East England	12	777	588	0	0	3	86	336	23.0	7.8	31.1%
North West England	85	4793	1504	0	0	11	325	1531	45.8	21.5	12.6%
Northern Ireland	12	688	296	0	0	3	66	238	59.1	32.8	11.7%
Scotland	15	1000	430	0	0	4	254	224	47.5	29.0	-0.2%
South East England	83	4292	1121	0	3	15	162	1350	41.0	25.4	15.7%
South West England	70	2809	1049	4	0	9	291	777	37.0	18.2	11.3%
Wales	16	741	314	0	0	7	183	210	46.6	25.0	2.0%
West Midlands	52	2133	999	0	0	20	314	838	45.7	24.7	12.3%
Yorkshire and Humberside	57	2855	1133	0	0	11	490	845	45.9	15.4	7.0%
Other	75	1750	1142	2	0	1	0	212	32.9	1.1	9.1%
ALL	790	39572	14328	12	5	126	2813	10718	35.9	16.0	13.1%