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	986	0	0	26	643	1361	51.4	28.3	6.3%
C	192	11856	3101	2	1	60	1969	3854	55.7	31.0	7.0%
X+	9	563	244	1	1	0	0	168	19.8	7.2	33.2%
X	28	1869	295	1	1	1	0	371	13.9	6.9	30.8%
Y	33	2258	1764	0	0	3	0	780	23.6	1.8	32.6%
Z	421	17090	7766	7	3	29	0	4345	21.2	4.4	27.4%
ALL	801	39721	14368	11	6	129	2817	11097	35.9	16.1	13.6%

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	687	0	0	15	411	865	52.2	30.5	9.1%
2020	48	1885	225	0	0	6	60	606	27.9	18.4	23.6%
2021	104	4103	945	2	0	11	36	1048	24.7	12.4	23.2%
2022	127	9211	2532	5	5	17	76	1707	21.2	6.1	19.4%
2023	110	6467	5122	4	1	13	9	2517	31.7	3.0	27.4%
2024	54	1230	1157	0	0	2	0	332	19.6	3.9	34.2%
2025	83	1250	1209	0	0	0	0	145	14.4	0.1	20.3%
ALL	801	39721	14368	11	6	129	2817	11097	35.9	16.1	13.6%

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
Dec 2025	5	98	98	0	0	0	0	1	35.5	0.0	1.5%
Nov 2025	4	30	30	0	0	0	0	1	12.0	0.0	7.1%
Oct 2025	4	49	49	0	0	0	0	2	12.0	0.0	10.8%
Aug 2025	2	24	24	0	0	0	0	2	12.0	0.0	18.0%
Jul 2025	11	169	167	0	0	0	0	15	17.1	0.7	17.5%
Jun 2025	2	12	12	0	0	0	0	1	12.0	0.0	20.9%
May 2025	2	13	13	0	0	0	0	2	12.0	0.0	23.8%
Apr 2025	28	400	400	0	0	0	0	55	12.0	0.0	27.5%
Mar 2025	19	357	317	0	0	0	0	48	12.0	0.0	26.3%
ALL	77	1152	1110	0	0	0	0	127	14.3	0.1	21.9%

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	597	1	1	7	113	606	38.3	20.7	18.4%
East Midlands	39	1323	428	1	0	5	52	384	39.0	14.2	14.7%
Greater London	150	9540	3049	4	1	20	345	2277	30.1	11.1	15.4%
Home Counties	83	5272	1669	1	1	10	131	1051	18.1	7.6	21.9%
North East England	12	777	588	0	0	3	86	352	23.0	7.8	32.9%
North West England	85	4793	1495	1	0	11	325	1575	45.8	21.7	13.0%
Northern Ireland	12	688	282	0	1	3	66	242	59.1	33.9	11.7%
Scotland	15	1000	420	0	0	4	254	228	47.5	29.5	-0.1%
South East England	84	4340	1108	0	2	15	162	1379	41.2	25.4	15.6%
South West England	70	2809	1047	1	0	12	295	807	37.0	18.2	11.8%
Wales	16	741	314	2	0	7	183	212	46.6	25.0	2.1%
West Midlands	52	2133	999	0	0	20	314	856	45.7	24.7	12.7%
Yorkshire and Humberside	57	2855	1129	0	0	11	490	867	45.9	15.5	7.4%
Other	85	1851	1243	0	0	1	0	262	31.8	1.0	10.8%
ALL	801	39721	14368	11	6	129	2817	11097	35.9	16.1	13.6%