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	996	0	0	26	643	1357	51.4	28.2	6.3%
C	192	11856	3123	1	1	60	1966	3840	55.7	30.9	7.0%
X+	9	563	244	1	1	0	0	161	19.8	7.2	31.9%
X	28	1869	295	0	1	1	0	362	13.9	6.9	30.1%
Y	31	2218	1724	0	0	3	0	738	23.8	1.9	31.3%
Z	416	17012	7697	6	8	26	0	4125	21.1	4.4	26.4%
ALL	794	39603	14290	8	11	126	2813	10801	35.9	16.1	13.2%

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	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	690	0	0	15	411	862	52.2	30.4	9.1%
2020	48	1885	227	1	0	6	60	602	27.9	18.2	23.5%
2021	104	4103	954	1	1	11	32	1033	24.7	12.3	23.1%
2022	127	9211	2539	3	6	17	76	1657	21.2	6.0	18.9%
2023	110	6467	5130	3	2	10	9	2367	31.7	2.9	26.0%
2024	54	1230	1167	0	0	2	0	298	19.6	3.4	31.8%
2025	76	1132	1091	0	2	0	0	105	12.7	0.1	19.4%
ALL	794	39603	14290	8	11	126	2813	10801	35.9	16.1	13.2%

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
Nov 2025	2	10	10	0	0	0	0	0	12.0	0.0	120.0%
Oct 2025	4	49	49	0	0	0	0	0	12.0	0.0	4.8%
Aug 2025	2	24	24	0	0	0	0	1	12.0	0.0	9.1%
Jul 2025	11	169	168	0	0	0	0	10	17.1	0.3	13.8%
Jun 2025	2	12	12	0	0	0	0	1	12.0	0.0	15.0%
May 2025	2	13	13	0	0	0	0	1	12.0	0.0	18.0%
Apr 2025	28	400	400	0	2	0	0	40	12.0	0.0	21.0%
Mar 2025	19	357	317	0	0	0	0	37	12.0	0.0	21.2%
Jan 2025	6	99	99	0	0	0	0	15	10.8	0.0	32.5%
ALL	76	1133	1092	0	2	0	0	105	12.6	0.0	20.8%

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	41	1600	598	0	2	7	113	592	38.3	20.7	18.0%
East Midlands	39	1323	428	1	1	5	52	374	39.0	14.2	14.3%
Greater London	150	9540	3054	1	2	20	345	2207	30.1	11.0	15.0%
Home Counties	83	5272	1670	1	1	10	131	1012	18.1	7.6	21.1%
North East England	12	777	588	0	0	3	86	337	23.0	7.8	31.2%
North West England	85	4793	1502	0	0	11	325	1543	45.8	21.6	12.7%
Northern Ireland	12	688	290	0	0	3	66	239	59.1	33.2	11.7%
Scotland	15	1000	428	0	0	4	254	225	47.5	29.1	-0.2%
South East England	83	4292	1065	0	2	15	162	1360	41.0	25.6	15.7%
South West England	70	2809	1049	3	1	9	291	785	37.0	18.2	11.5%
Wales	16	741	314	2	0	7	183	210	46.6	25.0	2.0%
West Midlands	52	2133	999	0	0	20	314	842	45.7	24.7	12.4%
Yorkshire and Humberside	57	2855	1132	0	0	11	490	851	45.9	15.4	7.1%
Other	79	1781	1173	0	2	1	0	224	32.6	1.1	9.4%
ALL	794	39603	14290	8	11	126	2813	10801	35.9	16.1	13.2%