Table 1.

Breakdown of loans by rating in pre- and post-pandemic period

Rating	Pre-pandemic		Rating	Post-pandemic
	N	%		N	%
A	3073	0.57	A	857	0.31
A−	112,652	20.91	A−	65,114	23.57
B+	194,856	36.17	B	134,486	48.69
B	17,508	3.25	B+	4565	1.65
B−	206,652	38.36	B−	70,310	25.45
C+	3489	0.65	C+	898	0.33
D	426	0.08	D	–	–
Total	538,656	100.00	Total	276,230	100.00

Total values are in bold