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	1003	0	0	26	643	1355	51.4	28.2	6.3%
C	192	11856	3253	2	2	58	1956	3820	55.7	30.6	7.1%
X+	9	563	244	0	2	0	0	150	19.8	7.2	30.0%
X	28	1869	295	1	1	1	0	351	13.9	6.9	29.3%
Y	31	2218	1724	0	0	3	0	694	23.8	1.9	29.6%
Z	410	16953	7646	9	2	29	0	3866	21.2	4.4	25.0%
ALL	788	39544	14377	12	7	127	2803	10454	35.9	16.0	12.8%

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	694	0	0	15	411	858	52.2	30.3	9.0%
2020	48	1885	227	0	0	6	60	599	27.9	18.2	23.3%
2021	104	4103	963	3	2	9	32	1015	24.7	12.2	22.8%
2022	127	9211	2604	3	5	17	76	1594	21.2	5.8	18.4%
2023	110	6467	5189	4	0	13	0	2194	31.7	2.8	24.8%
2024	54	1230	1177	0	0	2	0	253	19.6	2.9	28.6%
2025	70	1073	1032	2	0	0	0	64	12.7	0.0	13.9%
ALL	788	39544	14377	12	7	127	2803	10454	35.9	16.0	12.8%

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
Aug 2025	2	24	24	0	0	0	0	0	12.0	0.0	120.0%
Jul 2025	11	169	168	0	0	0	0	3	17.1	0.1	8.7%
Jun 2025	2	12	12	0	0	0	0	0	12.0	0.0	9.1%
May 2025	2	13	13	0	0	0	0	1	12.0	0.0	12.1%
Apr 2025	28	400	400	2	0	0	0	25	12.0	0.0	14.5%
Mar 2025	19	357	317	0	0	0	0	23	12.0	0.0	14.4%
Jan 2025	6	99	99	0	0	0	0	12	10.8	0.0	26.2%
Nov 2024	3	41	41	0	0	0	0	4	10.4	0.0	32.5%
Oct 2024	11	219	219	0	0	1	0	18	6.6	0.0	29.5%
ALL	84	1334	1293	2	0	1	0	86	11.8	0.0	19.4%

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	599	3	1	7	113	573	38.3	20.7	17.4%
East Midlands	39	1323	428	0	0	5	52	365	39.0	14.2	13.9%
Greater London	150	9540	3056	2	1	19	345	2136	30.1	11.0	14.4%
Home Counties	83	5272	1671	0	2	10	131	969	18.1	7.5	20.2%
North East England	12	777	588	0	0	3	86	321	23.0	7.8	29.5%
North West England	84	4786	1504	2	0	11	325	1500	45.8	21.5	12.4%
Northern Ireland	12	688	303	0	0	3	66	235	59.1	32.3	11.8%
Scotland	15	1000	438	0	0	4	254	221	47.5	28.5	-0.2%
South East England	83	4292	1125	1	2	15	162	1334	41.0	25.3	15.5%
South West England	70	2809	1050	1	1	11	282	755	37.0	18.2	11.3%
Wales	16	741	314	2	0	7	183	207	46.6	25.0	1.8%
West Midlands	52	2133	1045	0	0	20	314	826	45.7	24.6	12.3%
Yorkshire and Humberside	57	2855	1136	0	0	11	490	831	45.9	15.4	6.8%
Other	74	1728	1120	1	0	1	0	181	33.2	1.1	7.9%
ALL	788	39544	14377	12	7	127	2803	10454	35.9	16.0	12.8%