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	1014	0	0	26	643	1351	51.4	28.1	6.3%
C	192	11856	3307	2	2	58	1956	3795	55.7	30.3	7.1%
X+	9	563	244	1	1	0	0	143	19.8	7.2	28.7%
X	28	1869	315	2	1	2	0	337	13.9	6.6	28.3%
Y	31	2218	1724	0	0	3	0	636	23.8	1.9	27.5%
Z	395	16749	7451	7	7	24	0	3614	21.2	4.4	23.8%
ALL	773	39340	14266	12	11	123	2803	10095	36.0	16.0	12.3%

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	702	0	0	15	411	852	52.2	30.2	9.0%
2020	48	1885	228	0	0	6	60	594	27.9	18.2	23.2%
2021	104	4103	974	1	1	9	32	995	24.7	12.0	22.4%
2022	127	9211	2613	4	5	16	76	1532	21.2	5.7	17.8%
2023	110	6467	5242	7	4	11	0	2003	31.7	2.4	23.1%
2024	54	1230	1187	0	1	1	0	216	19.6	2.4	26.0%
2025	55	869	829	0	0	0	0	26	11.9	0.0	8.4%
ALL	773	39340	14266	12	11	123	2803	10095	36.0	16.0	12.3%

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
May 2025	2	13	13	0	0	0	0	0	12.0	0.0	120.0%
Apr 2025	28	400	400	0	0	0	0	9	12.0	0.0	7.0%
Mar 2025	19	357	317	0	0	0	0	11	12.0	0.0	8.1%
Jan 2025	6	99	99	0	0	0	0	6	10.8	0.0	15.9%
Nov 2024	3	41	41	0	0	0	0	3	10.4	0.0	28.4%
Oct 2024	11	219	219	0	0	1	0	13	6.6	0.0	22.6%
Aug 2024	4	80	80	0	0	0	0	13	12.0	0.0	30.9%
Jul 2024	6	183	163	0	0	0	0	26	26.7	5.1	17.8%
ALL	79	1392	1332	0	0	1	0	81	12.2	0.4	14.8%

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	39	1581	580	1	1	7	113	557	38.7	20.9	16.9%
East Midlands	39	1323	428	0	0	5	52	354	39.0	14.2	13.5%
Greater London	150	9540	3078	4	1	18	345	2050	30.1	10.9	13.8%
Home Counties	83	5272	1673	1	1	10	131	920	18.1	7.5	19.2%
North East England	12	777	588	0	0	3	86	299	23.0	7.8	27.1%
North West England	84	4786	1512	0	0	11	325	1463	45.8	21.4	12.1%
Northern Ireland	12	688	315	0	0	3	66	230	59.1	31.2	11.7%
Scotland	15	1000	448	0	0	4	254	217	47.5	28.0	-0.2%
South East England	83	4292	1155	0	2	16	162	1307	41.0	25.1	15.2%
South West England	70	2809	1054	2	5	8	282	727	37.0	18.1	10.8%
Wales	16	741	314	2	0	7	183	205	46.6	25.0	1.7%
West Midlands	52	2133	1047	1	0	20	314	806	45.7	24.6	11.9%
Yorkshire and Humberside	56	2837	1121	1	1	10	490	814	45.8	15.4	6.5%
Other	62	1561	953	0	0	1	0	146	35.5	1.2	6.7%
ALL	773	39340	14266	12	11	123	2803	10095	36.0	16.0	12.3%