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	49	0	53.5	1.0	-72.3%
A	24	995	157	0	0	8	151	217	50.1	31.6	3.7%
B	92	5035	956	0	0	26	643	1369	51.4	28.5	6.4%
C	193	12015	3110	1	0	61	1999	3923	55.8	31.2	7.1%
X+	9	563	244	1	1	0	0	201	19.8	7.2	38.8%
X	28	1869	295	1	1	2	0	406	13.9	6.9	33.6%
Y	33	2258	1759	1	0	3	0	981	23.6	1.9	39.7%
Z	474	18197	8670	6	2	32	0	5420	21.6	4.6	31.2%
ALL	855	40987	15246	10	4	134	2841	12518	35.8	16.0	15.4%

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	675	0	0	15	406	881	52.2	30.7	9.5%
2020	48	1885	218	0	0	6	60	620	27.9	18.6	24.0%
2021	104	4103	934	0	0	15	46	1106	24.7	12.6	24.2%
2022	127	9211	2501	3	2	20	76	1932	21.2	6.3	21.7%
2023	110	6467	5006	7	1	10	28	3173	31.7	3.7	32.8%
2024	54	1230	979	0	0	1	0	503	20.2	9.0	45.6%
2025	83	1250	1207	0	0	1	0	326	14.9	0.2	39.2%
2026	54	1266	1234	0	1	1	0	100	30.5	1.7	15.5%
ALL	855	40987	15246	10	4	134	2841	12518	35.8	16.0	15.4%

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
Sep 2026	2	28	28	0	0	0	0	0	12.0	0.0	6.1%
Jul 2026	3	204	198	0	0	0	0	18	49.5	2.1	20.9%
Jun 2026	11	162	161	0	0	0	0	10	17.9	0.5	14.3%
May 2026	1	20	19	0	0	0	0	1	60.0	5.2	12.5%
Apr 2026	28	568	564	0	1	1	0	47	17.7	0.0	12.9%
Mar 2026	6	235	218	0	0	0	0	18	53.1	6.0	12.8%
Feb 2026	1	20	18	0	0	0	0	2	60.0	8.2	12.5%
Jan 2026	2	29	29	0	0	0	0	4	12.0	0.0	29.5%
Dec 2025	5	98	98	0	0	1	0	7	35.5	0.0	5.8%
Nov 2025	4	30	30	0	0	0	0	6	12.0	0.0	35.1%
ALL	63	1394	1363	0	1	2	0	113	24.7	1.0	14.4%

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	571	0	1	8	113	667	38.3	21.3	20.4%
East Midlands	40	1347	450	0	0	6	52	422	38.5	13.9	16.1%
Greater London	153	9597	3073	3	0	20	350	2576	30.0	11.2	17.5%
Home Counties	85	5318	1710	1	1	10	131	1242	18.3	7.7	25.5%
North East England	12	777	588	0	0	3	86	426	23.0	7.8	40.7%
North West England	86	4816	1486	0	0	12	325	1721	45.6	22.0	14.2%
Northern Ireland	12	688	253	0	0	3	94	256	59.1	36.7	9.4%
Scotland	15	1000	386	0	0	4	254	240	47.5	31.6	0.0%
South East England	88	4439	1191	0	0	19	162	1459	40.5	25.0	16.5%
South West England	71	2965	1152	5	0	9	286	918	38.2	17.5	14.5%
Wales	16	741	314	1	0	8	183	218	46.6	25.0	2.6%
West Midlands	52	2133	999	0	1	21	314	917	45.7	24.7	14.0%
Yorkshire and Humberside	63	3191	1306	0	1	10	490	977	47.4	15.7	9.1%
Other	121	2377	1766	0	0	1	0	480	27.4	0.8	17.1%
ALL	855	40987	15246	10	4	134	2841	12518	35.8	16.0	15.4%