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	1034	0	0	26	605	1342	51.4	27.9	6.6%
C	192	11856	3383	1	2	56	1889	3741	55.7	29.9	7.3%
X+	9	563	244	1	1	0	0	125	19.8	7.2	25.4%
X	28	1869	315	1	0	2	0	315	13.9	6.6	26.5%
Y	31	2218	1725	0	0	2	0	532	23.8	1.8	23.6%
Z	340	15880	6659	6	4	23	0	3100	21.7	4.5	21.4%
ALL	718	38471	13572	9	7	119	2699	9372	36.6	16.1	11.6%

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	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	204	0	0	6	134	376	59.1	28.4	7.8%
2019	44	2294	715	0	0	15	380	842	52.2	29.9	9.6%
2020	48	1885	241	1	0	4	40	584	27.9	17.9	24.3%
2021	104	4103	1018	1	0	9	32	950	24.7	11.5	21.7%
2022	127	9211	2632	5	3	15	56	1389	21.2	5.6	16.6%
2023	110	6467	5264	1	2	10	0	1617	31.7	2.0	19.5%
2024	54	1230	1207	1	2	1	0	115	19.7	1.4	18.4%
ALL	718	38471	13572	9	7	119	2699	9372	36.6	16.1	11.6%

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
Nov 2024	3	41	41	1	1	0	0	0	14.2	0.0	7.9%
Oct 2024	11	219	219	0	1	0	0	3	6.6	0.0	8.6%
Aug 2024	4	80	80	0	0	0	0	5	12.0	0.0	15.0%
Jul 2024	6	183	173	0	0	0	0	14	26.7	2.4	14.6%
May 2024	6	101	96	0	0	0	0	11	41.8	4.0	20.6%
Apr 2024	20	458	458	0	0	0	0	61	12.0	0.0	26.6%
Mar 2024	3	71	71	0	0	1	0	7	29.0	0.0	8.8%
ALL	53	1153	1138	1	2	1	0	101	17.0	0.7	18.2%

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	583	0	1	6	113	521	38.7	20.8	15.7%
East Midlands	39	1323	428	0	0	5	52	330	39.0	14.2	12.6%
Greater London	147	9488	3058	0	0	18	345	1878	30.2	10.7	12.7%
Home Counties	74	5136	1539	1	1	10	131	829	18.3	7.7	17.4%
North East England	12	777	588	0	0	3	86	261	23.0	7.8	22.8%
North West England	80	4727	1475	1	0	11	303	1375	46.2	21.3	11.8%
Northern Ireland	12	688	347	0	0	2	66	216	59.1	28.6	11.7%
Scotland	15	1000	459	0	0	4	221	208	47.5	27.0	1.2%
South East England	82	4283	1165	2	1	15	143	1245	41.1	24.9	14.8%
South West England	70	2809	1055	2	3	9	282	666	37.0	18.0	9.6%
Wales	16	741	314	2	0	7	183	201	46.6	25.0	1.6%
West Midlands	52	2133	1053	0	0	20	286	769	45.7	24.4	12.1%
Yorkshire and Humberside	56	2837	1128	1	1	9	487	769	45.8	15.2	5.8%
Other	24	949	381	0	0	0	0	104	50.6	2.0	5.3%
ALL	718	38471	13572	9	7	119	2699	9372	36.6	16.1	11.6%