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 32 1296 381 0 0 7 186 254 45.3 28.1 4.5%
A+ 4 133 54 0 0 2 54 16 57.3 7.7 -13.3%
B 102 5550 1335 3 2 20 544 1328 51.1 24.6 7.4%
C 215 11828 4940 5 2 47 1495 3000 50.9 22.1 8.6%
ALL 353 18807 6710 8 4 76 2279 4597 50.6 23.2 6.8%

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 31 1658 103 0 0 4 99 409 46.8 32.7 9.2%
2014 65 3527 520 0 0 17 413 926 53.1 26.5 6.2%
2015 77 4305 1050 4 0 24 761 1230 53.1 29.6 4.7%
2016 32 2244 761 0 0 11 514 691 54.5 27.9 3.4%
2017 26 1410 359 0 0 8 163 454 54.8 26.7 9.2%
2018 24 1394 546 0 3 4 77 371 59.3 21.6 11.1%
2019 45 2361 1653 3 0 6 210 401 52.4 11.0 11.6%
2020 53 1908 1717 1 1 2 42 115 27.4 2.4 19.0%
ALL 353 18807 6710 8 4 76 2279 4597 50.6 23.2 6.8%

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 38 1865 460 1 0 7 99 453 46.0 23.1 10.7%
East Midlands 19 763 245 1 0 2 20 126 44.9 15.3 9.1%
Greater London 53 3098 833 1 1 12 351 731 51.6 25.4 6.8%
Home Counties 21 950 526 1 0 4 106 176 33.7 19.7 8.1%
North East England 6 193 86 0 0 3 86 50 56.3 27.5 -8.4%
North West England 51 3148 835 0 1 10 205 855 52.1 24.5 11.7%
Northern Ireland 6 256 122 0 0 1 49 58 57.5 21.0 6.5%
Scotland 12 768 342 0 0 4 164 179 47.3 18.5 1.3%
South East England 39 2386 833 1 0 7 129 695 54.7 28.8 11.9%
South West England 30 1378 540 2 0 5 209 352 52.9 24.6 8.0%
Wales 12 589 325 0 1 4 171 141 55.4 22.5 0.7%
West Midlands 28 1396 635 1 1 11 238 418 54.7 26.7 8.1%
Yorkshire and Humberside 38 2016 929 0 0 6 449 364 50.3 14.4 0.4%
ALL 353 18807 6710 8 4 76 2279 4597 50.6 23.2 6.8%