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	990	1	0	26	643	1360	51.4	28.3	6.3%
C	192	11856	3111	3	1	60	1965	3848	55.7	31.0	7.0%
X+	9	563	244	1	1	0	0	165	19.8	7.2	32.5%
X	28	1869	295	1	1	1	0	366	13.9	6.9	30.5%
Y	33	2258	1764	0	0	3	0	764	23.6	1.8	32.0%
Z	420	17042	7722	6	5	26	0	4246	21.1	4.4	27.0%
ALL	800	39673	14338	12	8	126	2813	10966	35.9	16.1	13.4%

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	688	1	0	15	411	863	52.2	30.4	9.1%
2020	48	1885	226	0	0	6	60	605	27.9	18.3	23.5%
2021	104	4103	950	1	1	11	32	1041	24.7	12.4	23.3%
2022	127	9211	2536	5	4	17	76	1685	21.2	6.0	19.2%
2023	110	6467	5124	5	3	10	9	2453	31.7	3.0	26.8%
2024	54	1230	1161	0	0	2	0	316	19.6	3.7	33.1%
2025	82	1202	1161	0	0	0	0	127	12.6	0.1	21.4%
ALL	800	39673	14338	12	8	126	2813	10966	35.9	16.1	13.4%

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
Dec 2025	4	50	50	0	0	0	0	0	12.0	0.0	120.0%
Nov 2025	4	30	30	0	0	0	0	0	12.0	0.0	4.1%
Oct 2025	4	49	49	0	0	0	0	1	12.0	0.0	7.8%
Aug 2025	2	24	24	0	0	0	0	2	12.0	0.0	15.0%
Jul 2025	11	169	168	0	0	0	0	13	17.1	0.6	15.7%
Jun 2025	2	12	12	0	0	0	0	1	12.0	0.0	18.0%
May 2025	2	13	13	0	0	0	0	1	12.0	0.0	20.9%
Apr 2025	28	400	400	0	0	0	0	50	12.0	0.0	25.1%
Mar 2025	19	357	317	0	0	0	0	42	12.0	0.0	23.7%
Jan 2025	6	99	99	0	0	0	0	17	10.8	0.0	36.2%
ALL	82	1203	1162	0	0	0	0	127	12.6	0.1	26.7%

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	41	1600	597	1	1	7	113	599	38.3	20.7	18.2%
East Midlands	39	1323	428	0	0	5	52	380	39.0	14.2	14.5%
Greater London	150	9540	3051	4	0	20	345	2250	30.1	11.1	15.2%
Home Counties	83	5272	1669	1	1	10	131	1037	18.1	7.6	21.6%
North East England	12	777	588	0	0	3	86	345	23.0	7.8	32.1%
North West England	85	4793	1499	0	1	11	325	1559	45.8	21.6	12.9%
Northern Ireland	12	688	286	1	0	3	66	241	59.1	33.5	11.7%
Scotland	15	1000	422	0	0	4	254	227	47.5	29.4	-0.2%
South East England	83	4292	1063	1	2	15	162	1370	41.0	25.6	15.8%
South West England	70	2809	1048	2	3	9	291	796	37.0	18.2	11.7%
Wales	16	741	314	2	0	7	183	211	46.6	25.0	2.1%
West Midlands	52	2133	999	0	0	20	314	849	45.7	24.7	12.5%
Yorkshire and Humberside	57	2855	1130	0	0	11	490	860	45.9	15.5	7.2%
Other	85	1851	1243	0	0	1	0	244	31.8	1.0	10.1%
ALL	800	39673	14338	12	8	126	2813	10966	35.9	16.1	13.4%