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%