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 |
33 |
1397 |
477 |
0 |
1 |
7 |
193 |
272 |
42.8 |
26.1 |
5.1% |
A+ |
4 |
133 |
54 |
0 |
0 |
2 |
54 |
16 |
57.3 |
7.7 |
-13.3% |
B |
103 |
5629 |
1336 |
2 |
0 |
21 |
567 |
1374 |
51.2 |
24.6 |
7.3% |
C |
272 |
13186 |
6055 |
9 |
0 |
55 |
1578 |
3254 |
47.7 |
21.1 |
9.1% |
ALL |
412 |
20345 |
7922 |
11 |
1 |
85 |
2392 |
4915 |
48.4 |
22.3 |
8.2% |
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 |
32.1 |
9.2% |
2014 |
65 |
3527 |
520 |
0 |
0 |
17 |
420 |
926 |
53.1 |
26.4 |
6.1% |
2015 |
77 |
4305 |
1032 |
3 |
0 |
25 |
780 |
1237 |
53.1 |
29.8 |
4.6% |
2016 |
32 |
2244 |
730 |
0 |
0 |
11 |
529 |
695 |
54.5 |
28.2 |
3.2% |
2017 |
26 |
1410 |
328 |
0 |
0 |
8 |
174 |
464 |
54.8 |
27.9 |
8.9% |
2018 |
24 |
1394 |
474 |
0 |
0 |
5 |
104 |
398 |
59.3 |
23.8 |
9.5% |
2019 |
45 |
2361 |
1536 |
2 |
0 |
9 |
244 |
503 |
52.4 |
14.2 |
10.8% |
2020 |
58 |
2097 |
1547 |
1 |
1 |
5 |
42 |
268 |
28.0 |
4.6 |
20.8% |
2021 |
54 |
1349 |
1653 |
5 |
0 |
1 |
0 |
15 |
19.8 |
0.1 |
25.0% |
ALL |
412 |
20345 |
7922 |
11 |
1 |
85 |
2392 |
4915 |
48.4 |
22.3 |
8.2% |
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 |
1926 |
502 |
1 |
0 |
7 |
115 |
479 |
45.5 |
22.7 |
11.1% |
East Midlands |
21 |
805 |
266 |
1 |
0 |
2 |
20 |
144 |
43.4 |
15.5 |
10.1% |
Greater London |
74 |
3595 |
1295 |
2 |
0 |
14 |
351 |
770 |
46.6 |
22.2 |
7.9% |
Home Counties |
25 |
1152 |
717 |
1 |
1 |
4 |
106 |
207 |
33.2 |
16.2 |
10.2% |
North East England |
8 |
233 |
126 |
0 |
0 |
3 |
86 |
50 |
48.7 |
22.4 |
-6.5% |
North West England |
56 |
3254 |
879 |
1 |
0 |
11 |
223 |
895 |
50.8 |
24.7 |
11.3% |
Northern Ireland |
7 |
343 |
201 |
0 |
0 |
1 |
49 |
67 |
58.1 |
17.0 |
8.8% |
Scotland |
13 |
868 |
429 |
0 |
0 |
4 |
174 |
180 |
43.2 |
16.6 |
1.4% |
South East England |
46 |
2520 |
869 |
2 |
0 |
7 |
129 |
742 |
52.5 |
28.9 |
12.4% |
South West England |
33 |
1438 |
562 |
0 |
0 |
7 |
220 |
371 |
51.2 |
24.6 |
7.4% |
Wales |
12 |
589 |
305 |
0 |
0 |
4 |
171 |
151 |
55.4 |
24.3 |
0.8% |
West Midlands |
34 |
1626 |
841 |
1 |
0 |
13 |
298 |
444 |
51.1 |
24.8 |
7.1% |
Yorkshire and Humberside |
42 |
1997 |
930 |
2 |
0 |
8 |
449 |
413 |
50.7 |
15.3 |
1.2% |
ALL |
412 |
20345 |
7922 |
11 |
1 |
85 |
2392 |
4915 |
48.4 |
22.3 |
8.2% |