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 |
1027 |
1 |
0 |
26 |
605 |
1345 |
51.4 |
28.0 |
6.6% |
C |
192 |
11856 |
3363 |
3 |
2 |
57 |
1908 |
3757 |
55.7 |
30.0 |
7.3% |
X+ |
9 |
563 |
244 |
1 |
1 |
0 |
0 |
129 |
19.8 |
7.2 |
26.1% |
X |
28 |
1869 |
315 |
1 |
1 |
2 |
0 |
322 |
13.9 |
6.6 |
27.1% |
Y |
31 |
2218 |
1725 |
0 |
0 |
2 |
0 |
563 |
23.8 |
1.8 |
24.7% |
Z |
346 |
15979 |
6754 |
3 |
6 |
25 |
0 |
3258 |
21.7 |
4.5 |
22.3% |
ALL |
724 |
38570 |
13640 |
9 |
10 |
122 |
2718 |
9592 |
36.5 |
16.1 |
11.9% |
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 |
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 |
204 |
1 |
0 |
6 |
134 |
376 |
59.1 |
28.4 |
7.8% |
2019 |
44 |
2294 |
711 |
0 |
0 |
15 |
380 |
844 |
52.2 |
30.0 |
9.7% |
2020 |
48 |
1885 |
239 |
1 |
2 |
4 |
40 |
587 |
27.9 |
17.9 |
24.4% |
2021 |
104 |
4103 |
1011 |
0 |
1 |
9 |
32 |
963 |
24.7 |
11.6 |
21.9% |
2022 |
127 |
9211 |
2626 |
3 |
6 |
16 |
76 |
1438 |
21.2 |
5.7 |
16.9% |
2023 |
110 |
6467 |
5258 |
4 |
0 |
11 |
0 |
1738 |
31.7 |
2.1 |
20.6% |
2024 |
54 |
1230 |
1201 |
0 |
1 |
2 |
0 |
144 |
19.7 |
1.8 |
20.6% |
2025 |
6 |
99 |
99 |
0 |
0 |
0 |
0 |
0 |
12.0 |
|
3.7% |
ALL |
724 |
38570 |
13640 |
9 |
10 |
122 |
2718 |
9592 |
36.5 |
16.1 |
11.9% |
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 |
Jan 2025 |
6 |
99 |
99 |
0 |
0 |
0 |
0 |
0 |
12.0 |
0.0 |
3.7% |
Nov 2024 |
3 |
41 |
41 |
0 |
1 |
0 |
0 |
1 |
14.2 |
0.0 |
11.1% |
Oct 2024 |
11 |
219 |
219 |
0 |
0 |
1 |
0 |
6 |
6.6 |
0.0 |
12.6% |
Aug 2024 |
4 |
80 |
80 |
0 |
0 |
0 |
0 |
7 |
12.0 |
0.0 |
19.4% |
Jul 2024 |
6 |
183 |
169 |
0 |
0 |
0 |
0 |
17 |
26.7 |
3.5 |
15.3% |
May 2024 |
6 |
101 |
95 |
0 |
0 |
0 |
0 |
14 |
41.8 |
5.3 |
21.2% |
Apr 2024 |
20 |
458 |
458 |
0 |
0 |
0 |
0 |
76 |
12.0 |
0.0 |
32.3% |
Mar 2024 |
3 |
71 |
71 |
0 |
0 |
1 |
0 |
8 |
29.0 |
0.0 |
10.4% |
ALL |
59 |
1252 |
1232 |
0 |
1 |
2 |
0 |
129 |
16.5 |
0.9 |
20.5% |
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 |
582 |
0 |
2 |
6 |
113 |
532 |
38.7 |
20.8 |
16.1% |
East Midlands |
39 |
1323 |
428 |
0 |
0 |
5 |
52 |
337 |
39.0 |
14.2 |
12.8% |
Greater London |
147 |
9488 |
3055 |
2 |
0 |
18 |
345 |
1937 |
30.2 |
10.8 |
13.1% |
Home Counties |
74 |
5136 |
1538 |
1 |
1 |
10 |
131 |
852 |
18.3 |
7.7 |
17.9% |
North East England |
12 |
777 |
588 |
0 |
0 |
3 |
86 |
276 |
23.0 |
7.8 |
24.5% |
North West England |
80 |
4727 |
1469 |
1 |
0 |
11 |
303 |
1401 |
46.2 |
21.4 |
12.0% |
Northern Ireland |
12 |
688 |
339 |
1 |
0 |
2 |
66 |
220 |
59.1 |
29.3 |
11.7% |
Scotland |
15 |
1000 |
456 |
0 |
0 |
4 |
221 |
211 |
47.5 |
27.1 |
1.3% |
South East England |
82 |
4283 |
1159 |
0 |
2 |
15 |
162 |
1269 |
41.1 |
25.0 |
14.8% |
South West England |
70 |
2809 |
1054 |
2 |
2 |
11 |
282 |
684 |
37.0 |
18.1 |
9.9% |
Wales |
16 |
741 |
314 |
2 |
2 |
7 |
183 |
202 |
46.6 |
25.0 |
1.7% |
West Midlands |
52 |
2133 |
1051 |
0 |
0 |
20 |
286 |
778 |
45.7 |
24.4 |
12.2% |
Yorkshire and Humberside |
56 |
2837 |
1126 |
0 |
1 |
10 |
487 |
780 |
45.8 |
15.3 |
6.0% |
Other |
30 |
1048 |
480 |
0 |
0 |
0 |
0 |
114 |
47.0 |
1.8 |
5.7% |
ALL |
724 |
38570 |
13640 |
9 |
10 |
122 |
2718 |
9592 |
36.5 |
16.1 |
11.9% |