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	990	0	0	26	643	1360	51.4	28.3	6.3%
C	192	11856	3104	1	1	60	1965	3852	55.7	31.0	7.0%
X+	9	563	244	0	1	0	0	167	19.8	7.2	32.9%
X	28	1869	295	1	1	1	0	367	13.9	6.9	30.6%
Y	33	2258	1764	0	0	3	0	776	23.6	1.8	32.4%
Z	421	17090	7768	10	4	27	0	4282	21.2	4.4	27.0%
ALL	801	39721	14377	12	7	127	2812	11022	35.9	16.1	13.5%

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	688	0	0	15	411	865	52.2	30.4	9.1%
2020	48	1885	225	0	0	6	60	605	27.9	18.4	23.6%
2021	104	4103	946	2	0	11	32	1044	24.7	12.4	23.3%
2022	127	9211	2536	4	5	17	76	1695	21.2	6.0	19.3%
2023	110	6467	5122	4	2	11	9	2481	31.7	3.0	27.1%
2024	54	1230	1160	2	0	2	0	319	19.6	3.7	33.2%
2025	83	1250	1209	0	0	0	0	135	14.4	0.1	19.2%
ALL	801	39721	14377	12	7	127	2812	11022	35.9	16.1	13.5%

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
Dec 2025	5	98	98	0	0	0	0	0	35.5	0.0	120.0%
Nov 2025	4	30	30	0	0	0	0	1	12.0	0.0	6.1%
Oct 2025	4	49	49	0	0	0	0	2	12.0	0.0	9.1%
Aug 2025	2	24	24	0	0	0	0	2	12.0	0.0	15.0%
Jul 2025	11	169	168	0	0	0	0	13	17.1	0.6	16.2%
Jun 2025	2	12	12	0	0	0	0	1	12.0	0.0	20.9%
May 2025	2	13	13	0	0	0	0	2	12.0	0.0	23.8%
Apr 2025	28	400	400	0	0	0	0	52	12.0	0.0	26.2%
Mar 2025	19	357	317	0	0	0	0	44	12.0	0.0	24.7%
Jan 2025	6	99	99	0	0	0	0	18	10.8	0.0	38.7%
ALL	83	1251	1210	0	0	0	0	135	14.0	0.1	31.3%

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	597	2	1	7	113	601	38.3	20.7	18.3%
East Midlands	39	1323	428	0	0	5	52	382	39.0	14.2	14.6%
Greater London	150	9540	3050	3	0	20	345	2261	30.1	11.1	15.3%
Home Counties	83	5272	1669	0	1	10	131	1045	18.1	7.6	21.8%
North East England	12	777	588	0	0	3	86	351	23.0	7.8	32.8%
North West England	85	4793	1496	1	0	11	325	1565	45.8	21.7	12.9%
Northern Ireland	12	688	283	0	1	3	66	241	59.1	33.8	11.7%
Scotland	15	1000	422	0	0	4	254	228	47.5	29.4	-0.1%
South East England	84	4340	1111	1	2	15	162	1372	41.2	25.3	15.6%
South West England	70	2809	1047	1	2	10	291	800	37.0	18.2	11.8%
Wales	16	741	314	2	0	7	183	212	46.6	25.0	2.1%
West Midlands	52	2133	999	0	0	20	314	854	45.7	24.7	12.6%
Yorkshire and Humberside	57	2855	1129	0	0	11	490	860	45.9	15.5	7.2%
Other	85	1851	1243	2	0	1	0	249	31.8	1.0	10.3%
ALL	801	39721	14377	12	7	127	2812	11022	35.9	16.1	13.5%