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 |
1001 |
1 |
0 |
26 |
643 |
1356 |
51.4 |
28.2 |
6.3% |
| C |
192 |
11856 |
3202 |
6 |
2 |
58 |
1956 |
3824 |
55.7 |
30.7 |
7.1% |
| X+ |
9 |
563 |
244 |
1 |
1 |
0 |
0 |
154 |
19.8 |
7.2 |
30.6% |
| X |
28 |
1869 |
295 |
1 |
1 |
1 |
0 |
354 |
13.9 |
6.9 |
29.5% |
| Y |
31 |
2218 |
1724 |
1 |
0 |
3 |
0 |
703 |
23.8 |
1.9 |
30.0% |
| Z |
410 |
16953 |
7645 |
4 |
5 |
26 |
0 |
3940 |
21.2 |
4.4 |
25.4% |
| ALL |
788 |
39544 |
14323 |
14 |
9 |
124 |
2803 |
10549 |
35.9 |
16.0 |
12.9% |
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 |
1 |
0 |
15 |
411 |
858 |
52.2 |
30.3 |
9.0% |
| 2020 |
48 |
1885 |
227 |
1 |
0 |
6 |
60 |
599 |
27.9 |
18.2 |
23.4% |
| 2021 |
104 |
4103 |
963 |
1 |
3 |
9 |
32 |
1019 |
24.7 |
12.2 |
22.9% |
| 2022 |
127 |
9211 |
2601 |
6 |
6 |
17 |
76 |
1608 |
21.2 |
5.8 |
18.6% |
| 2023 |
110 |
6467 |
5140 |
5 |
0 |
10 |
0 |
2245 |
31.7 |
2.8 |
25.1% |
| 2024 |
54 |
1230 |
1174 |
0 |
0 |
2 |
0 |
267 |
19.6 |
3.1 |
29.6% |
| 2025 |
70 |
1073 |
1032 |
0 |
0 |
0 |
0 |
75 |
12.7 |
0.0 |
15.6% |
| ALL |
788 |
39544 |
14323 |
14 |
9 |
124 |
2803 |
10549 |
35.9 |
16.0 |
12.9% |
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 |
6.1% |
| Jul 2025 |
11 |
169 |
168 |
0 |
0 |
0 |
0 |
5 |
17.1 |
0.2 |
10.4% |
| 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 |
0 |
0 |
0 |
0 |
30 |
12.0 |
0.0 |
16.4% |
| Mar 2025 |
19 |
357 |
317 |
0 |
0 |
0 |
0 |
27 |
12.0 |
0.0 |
16.2% |
| Jan 2025 |
6 |
99 |
99 |
0 |
0 |
0 |
0 |
12 |
10.8 |
0.0 |
26.9% |
| Nov 2024 |
3 |
41 |
41 |
0 |
0 |
0 |
0 |
4 |
10.4 |
0.0 |
34.6% |
| Oct 2024 |
11 |
219 |
219 |
0 |
0 |
1 |
0 |
19 |
6.6 |
0.0 |
30.7% |
| ALL |
84 |
1334 |
1293 |
0 |
0 |
1 |
0 |
98 |
11.8 |
0.0 |
19.0% |
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 |
0 |
2 |
7 |
113 |
579 |
38.3 |
20.7 |
17.6% |
| East Midlands |
39 |
1323 |
428 |
0 |
0 |
5 |
52 |
367 |
39.0 |
14.2 |
14.0% |
| Greater London |
150 |
9540 |
3056 |
4 |
1 |
19 |
345 |
2156 |
30.1 |
11.0 |
14.6% |
| Home Counties |
83 |
5272 |
1671 |
1 |
1 |
10 |
131 |
981 |
18.1 |
7.5 |
20.5% |
| North East England |
12 |
777 |
588 |
0 |
0 |
3 |
86 |
323 |
23.0 |
7.8 |
29.7% |
| North West England |
84 |
4786 |
1503 |
2 |
0 |
11 |
325 |
1511 |
45.8 |
21.5 |
12.5% |
| Northern Ireland |
12 |
688 |
301 |
0 |
0 |
3 |
66 |
236 |
59.1 |
32.4 |
11.7% |
| Scotland |
15 |
1000 |
434 |
0 |
0 |
4 |
254 |
222 |
47.5 |
28.8 |
-0.2% |
| South East England |
83 |
4292 |
1125 |
3 |
2 |
15 |
162 |
1340 |
41.0 |
25.3 |
15.6% |
| South West England |
70 |
2809 |
1050 |
2 |
1 |
8 |
282 |
766 |
37.0 |
18.2 |
11.5% |
| Wales |
16 |
741 |
314 |
2 |
2 |
7 |
183 |
208 |
46.6 |
25.0 |
1.9% |
| West Midlands |
52 |
2133 |
999 |
0 |
0 |
20 |
314 |
829 |
45.7 |
24.7 |
12.1% |
| Yorkshire and Humberside |
57 |
2855 |
1135 |
0 |
0 |
11 |
490 |
838 |
45.9 |
15.4 |
6.9% |
| Other |
74 |
1728 |
1120 |
0 |
0 |
1 |
0 |
193 |
33.2 |
1.1 |
8.4% |
| ALL |
788 |
39544 |
14323 |
14 |
9 |
124 |
2803 |
10549 |
35.9 |
16.0 |
12.9% |