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	1010	0	0	26	643	1353	51.4	28.1	6.3%
C	192	11856	3278	1	0	59	1956	3803	55.7	30.5	7.1%
X+	9	563	244	1	1	0	0	146	19.8	7.2	29.2%
X	28	1869	315	0	1	2	0	339	13.9	6.6	28.4%
Y	31	2218	1724	0	0	3	0	654	23.8	1.9	28.1%
Z	400	16808	7508	4	5	26	0	3681	21.2	4.4	24.1%
ALL	778	39399	14291	6	7	126	2803	10193	36.0	16.0	12.5%

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	699	0	0	15	411	854	52.2	30.2	9.0%
2020	48	1885	227	0	0	6	60	596	27.9	18.2	23.3%
2021	104	4103	969	2	0	9	32	1000	24.7	12.1	22.5%
2022	127	9211	2610	3	4	17	76	1551	21.2	5.8	18.0%
2023	110	6467	5221	1	2	13	0	2058	31.7	2.5	23.6%
2024	54	1230	1184	0	1	1	0	221	19.6	2.6	26.3%
2025	60	928	888	0	0	0	0	35	12.8	0.0	10.4%
ALL	778	39399	14291	6	7	126	2803	10193	36.0	16.0	12.5%

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
Jul 2025	3	48	48	0	0	0	0	0	30.2	0.0	120.0%
Jun 2025	2	12	12	0	0	0	0	0	12.0	0.0	120.0%
May 2025	2	13	13	0	0	0	0	0	12.0	0.0	6.1%
Apr 2025	28	400	400	0	0	0	0	13	12.0	0.0	9.1%
Mar 2025	19	357	317	0	0	0	0	14	12.0	0.0	9.6%
Jan 2025	6	99	99	0	0	0	0	8	10.8	0.0	19.8%
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	14	6.6	0.0	24.3%
Aug 2024	4	80	80	0	0	0	0	13	12.0	0.0	32.3%
ALL	78	1269	1229	0	0	1	0	65	11.8	0.0	20.0%

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	0	1	7	113	560	38.7	20.9	17.0%
East Midlands	39	1323	428	0	0	5	52	356	39.0	14.2	13.6%
Greater London	150	9540	3058	0	0	19	345	2076	30.1	11.0	14.0%
Home Counties	83	5272	1672	1	1	10	131	937	18.1	7.5	19.5%
North East England	12	777	588	0	0	3	86	306	23.0	7.8	27.8%
North West England	84	4786	1509	1	0	11	325	1472	45.8	21.4	12.2%
Northern Ireland	12	688	311	0	0	3	66	231	59.1	31.5	11.7%
Scotland	15	1000	444	0	0	4	254	219	47.5	28.3	-0.2%
South East England	83	4292	1152	0	2	16	162	1313	41.0	25.1	15.3%
South West England	70	2809	1054	2	2	10	282	732	37.0	18.1	10.9%
Wales	16	741	314	2	0	7	183	206	46.6	25.0	1.8%
West Midlands	52	2133	1047	0	0	20	314	812	45.7	24.6	12.0%
Yorkshire and Humberside	57	2855	1138	0	1	10	490	818	45.9	15.3	6.6%
Other	66	1603	994	0	0	1	0	155	34.9	1.2	7.0%
ALL	778	39399	14291	6	7	126	2803	10193	36.0	16.0	12.5%