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	162	0	0	8	151	217	50.1	31.4	3.7%
B	91	4963	985	0	0	26	605	1328	51.6	27.9	6.5%
C	191	11841	3547	3	2	55	1861	3626	55.8	28.8	7.3%
X+	9	563	244	1	1	0	0	93	19.8	7.2	19.5%
X	28	1869	315	2	0	1	0	282	13.9	6.6	23.9%
Y	31	2278	1791	2	0	0	0	377	24.8	1.7	16.5%
Z	306	15141	6062	10	2	14	0	2360	21.8	4.4	17.6%
ALL	682	37705	13159	18	5	106	2670	8283	37.0	15.8	10.2%

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	591	656	54.5	32.3	1.3%
2017	23	1276	196	0	0	7	178	453	55.8	31.5	8.7%
2018	20	1183	208	0	0	6	134	376	59.1	27.6	7.8%
2019	44	2294	751	0	1	14	380	821	52.2	29.0	9.4%
2020	48	1885	364	1	1	4	40	554	27.9	14.6	24.1%
2021	104	4103	1061	2	0	8	32	878	24.7	10.8	20.6%
2022	127	9211	2667	5	2	12	56	1138	21.2	5.2	14.2%
2023	110	6467	5355	9	1	3	0	1011	31.7	1.3	13.9%
2024	18	464	462	1	0	0	0	5	22.6	0.6	10.1%
ALL	682	37705	13159	18	5	106	2670	8283	37.0	15.8	10.2%

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
Apr 2024	14	315	315	0	0	0	0	0	12.0	0.0	120.0%
Mar 2024	3	71	71	1	0	0	0	1	29.0	0.0	2.2%
Jan 2024	1	78	76	0	0	0	0	4	60.0	3.3	17.8%
Nov 2023	1	36	34	0	0	0	0	3	60.0	4.9	19.9%
Oct 2023	1	56	52	0	0	0	0	5	60.0	6.2	19.9%
Sep 2023	2	111	102	0	0	0	0	10	60.0	6.6	15.9%
Jun 2023	1	140	125	0	0	0	0	13	60.0	9.0	13.0%
ALL	23	807	775	1	0	0	0	36	26.7	1.6	55.5%

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	586	1	0	5	113	465	38.7	20.7	13.9%
East Midlands	39	1323	428	0	0	5	52	293	39.0	14.2	11.1%
Greater London	142	9371	2958	5	0	17	345	1597	30.4	10.6	10.7%
Home Counties	70	5046	1572	2	2	8	131	682	18.4	6.9	14.7%
North East England	12	777	588	0	0	3	86	201	23.0	7.8	15.9%
North West England	76	4619	1422	0	1	11	303	1243	46.4	21.0	10.7%
Northern Ireland	12	688	394	0	0	2	66	187	59.1	24.1	11.6%
Scotland	14	928	413	0	0	4	221	193	48.4	27.3	0.5%
South East England	82	4283	1204	3	0	13	143	1166	41.1	24.1	14.1%
South West England	64	2734	999	4	1	7	282	580	37.6	18.0	8.0%
Wales	16	741	314	1	0	6	183	196	46.6	25.0	1.3%
West Midlands	52	2133	1070	1	1	17	286	706	45.7	23.9	10.9%
Yorkshire and Humberside	54	2709	1008	1	0	8	459	705	47.5	15.8	5.2%
Other	10	772	203	0	0	0	0	69	59.5	2.4	3.7%
ALL	682	37705	13159	18	5	106	2670	8283	37.0	15.8	10.2%