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 28 1160 210 0 0 7 144 249 49.4 31.1 5.4%
A+ 4 133 102 0 0 2 41 11 57.3 5.5 -2.5%
B 102 5550 1391 3 2 20 515 1271 51.1 24.0 7.4%
C 195 10915 4657 8 7 43 1482 2791 53.6 22.6 8.3%
ALL 329 17758 6360 11 9 72 2183 4323 52.6 23.4 6.9%

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 31 1658 103 0 0 4 99 409 46.8 32.7 9.2%
2014 65 3527 525 0 0 17 414 926 53.1 26.5 6.2%
2015 77 4305 1073 1 4 23 748 1219 53.1 29.3 4.8%
2016 32 2244 841 0 2 11 514 683 54.5 27.2 3.5%
2017 26 1410 387 0 1 7 154 443 54.8 25.6 9.6%
2018 24 1394 741 4 2 3 77 338 59.3 19.0 12.2%
2019 45 2361 1852 1 0 7 177 278 52.4 7.7 12.2%
2020 29 859 838 5 0 0 0 27 39.2 0.9 15.8%
ALL 329 17758 6360 11 9 72 2183 4323 52.6 23.4 6.9%

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 36 1825 441 2 1 7 99 424 47.0 23.1 10.0%
East Midlands 18 744 235 2 1 2 20 106 46.0 14.5 7.7%
Greater London 48 2885 675 1 2 11 267 709 54.3 26.5 7.7%
Home Counties 16 610 238 1 0 4 106 160 49.2 29.3 6.5%
North East England 6 193 86 0 0 3 86 50 56.3 27.5 -8.4%
North West England 47 2957 806 2 1 9 205 819 51.6 25.1 11.4%
Northern Ireland 6 256 128 0 0 1 49 52 57.5 19.3 6.5%
Scotland 12 768 353 0 0 3 164 177 47.3 18.1 1.2%
South East England 37 2298 845 1 2 7 130 651 56.4 28.0 12.0%
South West England 30 1378 620 0 0 5 209 324 52.9 22.8 8.5%
Wales 12 589 339 1 0 4 171 132 55.4 21.1 0.7%
West Midlands 26 1356 617 0 2 10 225 393 56.3 26.1 8.4%
Yorkshire and Humberside 35 1898 977 1 0 6 449 326 53.1 14.1 -0.1%
ALL 329 17758 6360 11 9 72 2183 4323 52.6 23.4 6.9%