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 |
162 |
0 |
0 |
8 |
151 |
217 |
50.1 |
31.4 |
3.7% |
B |
91 |
4963 |
985 |
0 |
0 |
26 |
605 |
1328 |
51.6 |
27.9 |
6.5% |
C |
191 |
11841 |
3547 |
3 |
2 |
55 |
1861 |
3626 |
55.8 |
28.8 |
7.3% |
X+ |
9 |
563 |
244 |
1 |
1 |
0 |
0 |
93 |
19.8 |
7.2 |
19.5% |
X |
28 |
1869 |
315 |
2 |
0 |
1 |
0 |
282 |
13.9 |
6.6 |
23.9% |
Y |
31 |
2278 |
1791 |
2 |
0 |
0 |
0 |
377 |
24.8 |
1.7 |
16.5% |
Z |
306 |
15141 |
6062 |
10 |
2 |
14 |
0 |
2360 |
21.8 |
4.4 |
17.6% |
ALL |
682 |
37705 |
13159 |
18 |
5 |
106 |
2670 |
8283 |
37.0 |
15.8 |
10.2% |
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 |
733 |
1173 |
53.3 |
32.0 |
4.7% |
2016 |
30 |
2146 |
651 |
0 |
0 |
11 |
591 |
656 |
54.5 |
32.3 |
1.3% |
2017 |
23 |
1276 |
196 |
0 |
0 |
7 |
178 |
453 |
55.8 |
31.5 |
8.7% |
2018 |
20 |
1183 |
208 |
0 |
0 |
6 |
134 |
376 |
59.1 |
27.6 |
7.8% |
2019 |
44 |
2294 |
751 |
0 |
1 |
14 |
380 |
821 |
52.2 |
29.0 |
9.4% |
2020 |
48 |
1885 |
364 |
1 |
1 |
4 |
40 |
554 |
27.9 |
14.6 |
24.1% |
2021 |
104 |
4103 |
1061 |
2 |
0 |
8 |
32 |
878 |
24.7 |
10.8 |
20.6% |
2022 |
127 |
9211 |
2667 |
5 |
2 |
12 |
56 |
1138 |
21.2 |
5.2 |
14.2% |
2023 |
110 |
6467 |
5355 |
9 |
1 |
3 |
0 |
1011 |
31.7 |
1.3 |
13.9% |
2024 |
18 |
464 |
462 |
1 |
0 |
0 |
0 |
5 |
22.6 |
0.6 |
10.1% |
ALL |
682 |
37705 |
13159 |
18 |
5 |
106 |
2670 |
8283 |
37.0 |
15.8 |
10.2% |
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 |
Apr 2024 |
14 |
315 |
315 |
0 |
0 |
0 |
0 |
0 |
12.0 |
0.0 |
120.0% |
Mar 2024 |
3 |
71 |
71 |
1 |
0 |
0 |
0 |
1 |
29.0 |
0.0 |
2.2% |
Jan 2024 |
1 |
78 |
76 |
0 |
0 |
0 |
0 |
4 |
60.0 |
3.3 |
17.8% |
Nov 2023 |
1 |
36 |
34 |
0 |
0 |
0 |
0 |
3 |
60.0 |
4.9 |
19.9% |
Oct 2023 |
1 |
56 |
52 |
0 |
0 |
0 |
0 |
5 |
60.0 |
6.2 |
19.9% |
Sep 2023 |
2 |
111 |
102 |
0 |
0 |
0 |
0 |
10 |
60.0 |
6.6 |
15.9% |
Jun 2023 |
1 |
140 |
125 |
0 |
0 |
0 |
0 |
13 |
60.0 |
9.0 |
13.0% |
ALL |
23 |
807 |
775 |
1 |
0 |
0 |
0 |
36 |
26.7 |
1.6 |
55.5% |
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 |
39 |
1581 |
586 |
1 |
0 |
5 |
113 |
465 |
38.7 |
20.7 |
13.9% |
East Midlands |
39 |
1323 |
428 |
0 |
0 |
5 |
52 |
293 |
39.0 |
14.2 |
11.1% |
Greater London |
142 |
9371 |
2958 |
5 |
0 |
17 |
345 |
1597 |
30.4 |
10.6 |
10.7% |
Home Counties |
70 |
5046 |
1572 |
2 |
2 |
8 |
131 |
682 |
18.4 |
6.9 |
14.7% |
North East England |
12 |
777 |
588 |
0 |
0 |
3 |
86 |
201 |
23.0 |
7.8 |
15.9% |
North West England |
76 |
4619 |
1422 |
0 |
1 |
11 |
303 |
1243 |
46.4 |
21.0 |
10.7% |
Northern Ireland |
12 |
688 |
394 |
0 |
0 |
2 |
66 |
187 |
59.1 |
24.1 |
11.6% |
Scotland |
14 |
928 |
413 |
0 |
0 |
4 |
221 |
193 |
48.4 |
27.3 |
0.5% |
South East England |
82 |
4283 |
1204 |
3 |
0 |
13 |
143 |
1166 |
41.1 |
24.1 |
14.1% |
South West England |
64 |
2734 |
999 |
4 |
1 |
7 |
282 |
580 |
37.6 |
18.0 |
8.0% |
Wales |
16 |
741 |
314 |
1 |
0 |
6 |
183 |
196 |
46.6 |
25.0 |
1.3% |
West Midlands |
52 |
2133 |
1070 |
1 |
1 |
17 |
286 |
706 |
45.7 |
23.9 |
10.9% |
Yorkshire and Humberside |
54 |
2709 |
1008 |
1 |
0 |
8 |
459 |
705 |
47.5 |
15.8 |
5.2% |
Other |
10 |
772 |
203 |
0 |
0 |
0 |
0 |
69 |
59.5 |
2.4 |
3.7% |
ALL |
682 |
37705 |
13159 |
18 |
5 |
106 |
2670 |
8283 |
37.0 |
15.8 |
10.2% |