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	1017	0	0	26	610	1349	51.4	28.0	6.5%
C	192	11856	3327	2	2	57	1956	3781	55.7	30.2	7.1%
X+	9	563	244	1	1	0	0	136	19.8	7.2	27.4%
X	28	1869	315	1	1	2	0	331	13.9	6.6	27.7%
Y	31	2218	1724	0	1	2	0	611	23.8	1.9	26.5%
Z	391	16682	7409	9	4	23	0	3462	21.3	4.4	23.0%
ALL	769	39273	14248	13	9	120	2771	9888	36.1	15.9	12.1%

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	733	1173	53.3	32.0	4.7%
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	705	0	0	15	411	850	52.2	30.1	8.9%
2020	48	1885	231	0	0	6	60	591	27.9	18.1	23.1%
2021	104	4103	999	1	0	9	32	983	24.7	11.7	22.3%
2022	127	9211	2618	4	5	16	76	1492	21.2	5.7	17.4%
2023	110	6467	5249	6	4	8	0	1903	31.7	2.2	22.2%
2024	54	1230	1192	2	0	1	0	185	19.6	2.2	23.7%
2025	51	802	762	0	0	0	0	7	11.9	0.0	4.5%
ALL	769	39273	14248	13	9	120	2771	9888	36.1	15.9	12.1%

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
Apr 2025	26	346	346	0	0	0	0	0	12.0	0.0	120.0%
Mar 2025	19	357	317	0	0	0	0	2	12.0	0.0	3.7%
Jan 2025	6	99	99	0	0	0	0	5	10.8	0.0	13.0%
Nov 2024	3	41	41	0	0	0	0	2	10.4	0.0	24.2%
Oct 2024	11	219	219	2	0	1	0	10	6.6	0.0	18.2%
Aug 2024	4	80	80	0	0	0	0	10	12.0	0.0	25.2%
Jul 2024	6	183	165	0	0	0	0	22	26.7	4.5	16.5%
May 2024	6	101	93	0	0	0	0	17	41.8	6.5	21.8%
ALL	81	1426	1360	2	0	1	0	68	14.4	0.8	39.5%

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	39	1581	581	0	1	7	113	546	38.7	20.9	16.6%
East Midlands	39	1323	428	0	0	5	52	345	39.0	14.2	13.2%
Greater London	150	9540	3102	3	1	18	345	2007	30.1	10.7	13.6%
Home Counties	83	5272	1673	1	1	10	131	894	18.1	7.5	18.6%
North East England	12	777	588	0	0	3	86	291	23.0	7.8	26.2%
North West England	83	4766	1496	0	0	11	325	1435	45.9	21.4	11.9%
Northern Ireland	12	688	322	0	1	2	66	227	59.1	30.7	11.7%
Scotland	15	1000	452	0	0	4	221	214	47.5	27.3	1.4%
South East England	83	4292	1159	0	3	15	162	1291	41.0	25.0	15.1%
South West England	70	2809	1054	5	1	8	282	711	37.0	18.1	10.5%
Wales	16	741	314	2	0	7	183	204	46.6	25.0	1.6%
West Midlands	52	2133	1049	0	0	20	314	797	45.7	24.5	11.7%
Yorkshire and Humberside	56	2837	1123	0	0	10	490	801	45.8	15.3	6.3%
Other	59	1515	906	2	1	0	0	124	36.2	1.2	5.8%
ALL	769	39273	14248	13	9	120	2771	9888	36.1	15.9	12.1%