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 30 1192 237 0 0 7 144 251 48.2 30.5 5.4%
A+ 4 133 100 0 0 2 41 13 57.3 6.7 -2.5%
B 102 5550 1358 1 1 19 523 1309 51.1 24.4 7.5%
C 208 11509 5076 4 1 48 1495 2894 51.9 22.0 8.7%
ALL 344 18384 6772 5 2 76 2204 4468 51.4 23.2 7%

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 32.7 9.2%
2014 65 3527 523 0 0 17 414 926 53.1 26.5 6.2%
2015 77 4305 1057 2 0 25 761 1222 53.1 29.5 4.6%
2016 32 2244 786 0 0 11 514 688 54.5 27.5 3.4%
2017 26 1410 371 0 1 7 163 449 54.8 26.3 9.2%
2018 24 1394 628 0 1 4 77 358 59.3 20.4 11.4%
2019 45 2361 1800 2 0 6 177 348 52.4 9.2 12.6%
2020 44 1485 1503 1 0 2 0 68 30.9 1.6 21.6%
ALL 344 18384 6772 5 2 76 2204 4468 51.4 23.2 7%

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 474 1 0 7 99 441 46.0 22.8 10.6%
East Midlands 19 763 251 1 0 2 20 119 44.9 14.6 8.9%
Greater London 51 3007 758 0 1 11 276 721 52.7 25.7 7.8%
Home Counties 19 848 461 1 0 4 106 168 36.3 21.7 7.2%
North East England 6 193 86 0 0 3 86 50 56.3 27.5 -8.4%
North West England 51 3121 946 0 1 9 205 840 52.0 24.3 12.2%
Northern Ireland 6 256 126 0 0 1 49 54 57.5 20.0 6.5%
Scotland 12 768 347 1 0 3 164 179 47.3 18.3 1.3%
South East England 37 2298 819 1 0 8 130 672 56.4 28.9 12.1%
South West England 30 1378 602 0 0 5 209 339 52.9 23.9 8.5%
Wales 12 589 332 0 0 4 171 136 55.4 21.9 0.7%
West Midlands 27 1376 624 0 0 12 238 403 55.5 26.5 7.9%
Yorkshire and Humberside 36 1920 947 0 0 7 449 344 52.2 14.4 0.1%
ALL 344 18384 6772 5 2 76 2204 4468 51.4 23.2 7%