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% |