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Loan Volumes and Amounts Paid to Investors Dec-22 Jan-23 Feb-23 March-23 April-23
Aggregate loans issued from inception to date (£) £34,541,138 £34,595,968 £35,390,148 £36,222,958 £36,650,238
Aggregate principal paid from inception to date (£) £8,119,823 £8,548,186 £9,025,194 £9,527,272 £10,087,238
Aggregate interest paid from inception to date (£) £2,018,044 £2,101,571 £2,227,925 £2,385,616 £2,519,907
Loan Analysis1 £ %
Loans outstanding – Current2 27,067,368 97.55
Loans outstanding – Arrears3 254,945 0.92
Loans outstanding – Default4 425,531 1.53
Total Loans Balance 27,747,843 100.00
Arrears Analysis – Loan Balances1 £ %
Less than 30 days 131,237 51.48
Between 31 and 60 days 19,243 7.55
Between 61 and 90 days 104,465 40.98
Total Loans in Arrears 254,945 100.00
Arrears Analysis – Actual Amounts Overdue1 £ %
Less than 30 days 3,033 38.46
Between 31 and 60 days 787 9.98
Between 61 and 90 days 4,065 51.56
Total Amounts Overdue 7,885 100.00

Vintage Analysis1,5

Loan Origination Year 2018 2019 2020 2021 2022 2023 Total
Total loans issued in year (£) £295,133 £2,811,435 £6,947,410 £10,078,010 £14,409,150 £2,176,260 £36,717,398
Total principal paid from loans issued in the year (£) £205,179 £1,729,002 £3,434,975 £9,435,446 £1,470,764 £44,490 £16,319,856
Total interest paid from loans issued in the year (£) £60,581 £498,574 £927,659 £7,533,066 £287,632 £10,482 £9,317,994
Loan balances by year of issue – Total (£) £108,312 £1,246,890 £3,822,613 £8,002,913 £13,384,994 £2,147,590 £28,713,313
Loan balances by year of issue – Current (£) £69,363 £1,046,948 £3,665,465 £7,914,316 £13,198,385 £2,138,361 £28,032,838
Loan balances by year of issue – Arrears (£) £4,816 £13,309 £34,594 £9,079 £183,917 £9,230 £254,945
Loan balances by year of issue – Default (£) £34,133 £186,634 £122,554 £79,518 £2,692 £0 £425,531
Initial loan amount by year of issue – Loans in repayment (£) £295,133 £2,811,435 £6,943,080 £9,131,870 £6,153,440 £1,094,580 £26,429,538
Loan balances by year of issue – Loans in repayment (£) £ 108,312 £ 1,246,890 £ 3,822,613 £ 7,544,008 £ 5,092,045 £9,230 £17,823,098

Defaults & Recoveries

Loan origination Year 2018 2019 2020 2021 2022 2023 Total
Defaults (£) £51,636 £315,502 £137,196 £79,558 £2,722 £0 £586,614
Recoveries from previous default situations (£)7 £17,504 £128,868 £14,642 £40 £30 £0 £161,083
Written-Off loan amounts £0 £20,598 £0 £0 £0 £0 £20,598
Recovery rate (%)8 33.90 40.85 10.67 0.05 1.10 0.00 27.46

Risk Warnings

Remember, past performance is not a reliable indicator of future results. And forecasts are not a reliable indicator of future performance.
Investors on Lendwise are not covered by the Financial Services Compensation Scheme.

Independent advice
We recommend that you seek independent financial advice if you are in any doubt as to whether lending via Lendwise is suitable for you.

Definitions of arrears and defaults

1Excludes all loans with an arrears balance of less than £1 and loans considered in default.

2Current Balance (Principal & Interest) of loans that have been originated on the Lendwise platform which are outstanding and which are not considered to be in arrears or in default.

3A loan is considered to be in ‘Arrears’, where the relevant borrower of the loan is overdue on any amount in one or more instalment payments. The amount of arrears is the total outstanding amount of the loan.

4A loan in default is considered to be any loan that has been in arrears for more than 90 days or a loan in arrears for less than 90 days where we have information to believe that there is no reasonable expectation that the borrower is going to repay the loan on the original loan repayment date and/or terms. As a result, this category can include loans where repayments are still being made and are in the process of clearing their arrears. Such loans will be reflected in the corresponding recovery data row. The amount includes any portion of the loan that has not yet been repaid and/or all costs incurred by the lender in relation to the enforcement of a defaulted loan, where such costs are not recovered in full from the relevant borrower.

5The loan information displayed relates to that calendar year (from January to December) as shown in each column.

6“Currently in Default” represent total amounts lent in that calendar year currently in default.

7“Recoveries” represents those amounts of loans which we previously classified to be in default but were since recovered.

8“Recovery rate” represents the proportion of loans which are recovered, having previously been classified to be in default.

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