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 480 0 1 7 186 261 42.8 26.0 5.0%
A+ 4 133 54 0 0 2 54 16 57.3 7.7 -13.3%
B 102 5550 1311 0 2 20 544 1351 51.1 24.7 7.5%
C 222 11972 5093 3 3 50 1493 3129 50.8 22.6 8.9%
ALL 361 19052 6937 3 6 79 2277 4756 50.3 23.3 17.8%

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 32.1 9.2%
2014 65 3527 520 0 0 17 413 926 53.1 26.4 6.2%
2015 77 4305 1035 1 0 25 759 1235 53.1 29.8 4.8%
2016 32 2244 746 0 0 11 514 694 54.5 27.9 3.4%
2017 26 1410 344 0 0 8 163 459 54.8 27.3 9.2%
2018 24 1394 524 0 0 5 77 386 59.3 22.9 11.2%
2019 45 2361 1593 1 2 7 210 455 52.4 12.6 11.7%
2020 58 2097 1921 1 4 2 42 193 28.0 3.4 20.1%
2021 3 56 150 0 0 0 0 0 12.0 23.4%
ALL 361 19052 6937 3 6 79 2277 4756 50.3 23.3 17.8%

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 450 0 0 7 99 467 46.1 23.2 10.9%
East Midlands 19 763 234 0 0 2 20 135 45.1 15.8 9.3%
Greater London 57 3203 966 0 2 12 351 749 50.3 24.6 7.0%
Home Counties 22 1092 661 0 1 4 106 191 34.4 16.9 9.1%
North East England 6 193 86 0 0 3 86 50 56.3 27.0 -8.4%
North West England 52 3168 824 1 0 10 205 877 51.9 24.8 11.7%
Northern Ireland 6 256 120 0 0 1 49 61 57.5 21.8 6.5%
Scotland 12 768 334 0 0 4 164 180 47.3 18.7 1.0%
South East England 40 2404 851 0 1 7 129 718 54.4 29.3 12.1%
South West England 30 1378 522 0 0 7 209 361 52.9 24.8 8.0%
Wales 12 589 317 1 0 4 171 146 55.4 23.5 0.8%
West Midlands 29 1436 659 1 1 12 236 433 53.6 27.7 8.7%
Yorkshire and Humberside 38 1936 913 0 1 6 449 390 51.9 15.4 0.7%
ALL 361 19052 6937 3 6 79 2277 4756 50.3 23.3 17.8%