| Days past due (DPD) | Accepted under both Traditional and EFL (DPD rate) | Accepted by Traditional and rejected by EFL (DPD rate) | Difference |
| More than 5 days past due after 3 months on Book | 3.11% | 4.76% | −1.66% |
| More than 5 days past due after 3 months on Book | 3.11% | 4.76% | −1.66% |
| More than 30 days past due after 6 months on Book | 5.59% | 4.76% | 0.83% |
| More than 60 days past due after 6 months on Book | 2.48% | 4.76% | −2.28% |
| More than 30 days past due after 9 months on Book | 11.80% | 11.90% | −0.10% |
| More than 60 days past due after 9 months on Book | 9.94% | 11.90% | −1.97% |
| More than 90 days past due after 12 months on Book | 4.97% | 9.52% | −4.55% |
| More than 30 days past due after 7 months on Book | 11.18% | 16.67% | −5.49% |
| More than 30 days past due after 8 months on Book | 12.42% | 19.05% | −6.63% |