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## Key figures

### Total amount lent

0### Repayments to lenders

0### Interests paid back to lenders

0### Projects received and studied

0### Projects accepted and funded*

0

## Our charts

### Amounts lent by project risk band

### Number of active lenders

### Average number of lenders per project

### Average amount lent per project

### Distribution of investors

### Breakdown of outstanding amounts

## Our performance indicators

2015 | 2016 | 2017 | 2018 | 2019 | total |
---|---|---|---|---|---|

Amount lent | |||||

€11,322,752.05 | €45,376,453.13 | €86,453,281.12 | €111,084,549.43 | €114,603,054.35 | €368,840,090.08 |

Number of projects funded | |||||

57 | 120 | 182 | 189 | 199 | 747 |

Average amount borrowed | |||||

€198,645.00 | €378,137.00 | €475,018.00 | €587,749.00 | €575,895.00 | €493,762.00 |

Average annual borrowing interest rate (V) | |||||

6.26 % | 6.12 % | 6.11 % | 5.38 % | 5.75 % | 5.78 % |

Average annual borrowing interest rate (N) | |||||

6.51 % | 6.56 % | 6.60 % | 5.57 % | 5.60 % | 6.06 % |

Average initial duration of loan (V) | |||||

51 months | 45 months | 53 months | 50 months | 45 months | 48 months |

Average initial duration of loan (N) | |||||

50 months | 49 months | 48 months | 44 months | 40 months | 45 months |

Average age of loans (V) | |||||

51 months | 40 months | 28 months | 17 months | 5 months | 20 months |

Average age of loans (N) | |||||

51 months | 41 months | 28 months | 17 months | 5 months | 23 months |

Capital repaid | |||||

€10,301,857.97 | €36,846,965.03 | €50,674,889.97 | €37,709,366.28 | €9,628,296.45 | €145,161,375.69 |

Share of capital repaid ^{1} | |||||

90.98 % | 81.20 % | 58.62 % | 33.95 % | 8.40 % | 39.36 % |

Interest received | |||||

€1,402,442.32 | €4,871,019.42 | €7,958,187.70 | €6,380,282.80 | €2,167,889.72 | €22,779,821.97 |

Share of interest received ^{2} | |||||

91.20 % | 84.62 % | 62.07 % | 47.86 % | 15.98 % | 48.46 % |

2015 | 2016 | 2017 | 2018 | 2019 | total |

2015 | 2016 | 2017 | 2018 | 2019 | total |
---|---|---|---|---|---|

Internal rate of return (net of risk) ^{3} | |||||

5.24 % | 4.62 % | 3.39 % | 2.96 % | 5.87 % | 4.18 % |

Maximum possible internal rate of return ^{4} | |||||

6.43 % | 6.41 % | 6.33 % | 5.44 % | 5.98 % | 5.97 % |

Annual cost of risk identified ^{5} | |||||

-1.18 % | -1.79 % | -2.93 % | -2.48 % | -0.11 % | -1.80 % |

2015 | 2016 | 2017 | 2018 | 2019 | total |

2015 | 2016 | 2017 | 2018 | 2019 | total |
---|---|---|---|---|---|

Late Capital ^{6} | |||||

€11,693.38 | €50,613.15 | €36,612.69 | €29,708.75 | €124,296.50 | €252,924.47 |

Late payment rate (V) ^{7} | |||||

0.10 % | 0.11 % | 0.04 % | 0.03 % | 0.11 % | 0.07 % |

Late payment rate (N) ^{7} | |||||

3.51 % | 2.52 % | 2.76 % | 1.57 % | 1.00 % | 2.00 % |

Defaulted Capital ^{8} | |||||

€299,054.26 | €1,408,891.92 | €4,668,506.16 | €5,040,611.99 | €58,471.68 | €11,475,536.01 |

Default Rate (V) ^{9} | |||||

2.64 % | 3.12 % | 5.53 % | 4.45 % | 0.05 % | 3.11 % |

Default Rate (N) ^{9} | |||||

7.02 % | 12.61 % | 13.26 % | 7.85 % | 0.50 % | 7.88 % |

2015 | 2016 | 2017 | 2018 | 2019 | total |

## Default indicators**

Calculation by: Volume (V) | Number (N)

A | B | C | total |
---|---|---|---|

A | B | C | total |

Average rate | |||

4.39 % | 5.89 % | 7.67 % | 5.78 % |

Capital Outstanding | |||

€37,154,154.34 | €170,522,038.90 | €15,744,084.09 | €223,420,277.30 |

Default rate (V)* ^{10} | |||

8.89 % | 7.08 % | 16.82 % | 8.07 % |

Default rate > 60 days (V)* ^{11} | |||

8.89 % | 7.08 % | 15.44 % | 7.97 % |

Default rate (N)* ^{10} | |||

3.51 % | 11.72 % | 18.18 % | 12.36 % |

Default rate > 60 days (N)* ^{11} | |||

3.51 % | 11.72 % | 15.91 % | 11.86 % |

* net of recovery

** The table shows the default indicators required by the **Autorité de contrôle prudentiel et de résolution** (ACPR) for social lending platforms.

- 8.
The capital in default is the sum of the capital which will never or probably never be repaid. It is calculated as follows: sum of the capital of overdue payments of more than 180 days + sum of the capital overdue and the capital remaining due from a company in collective proceedings or which has been the subject of a forfeiture of the contractual term, net of recoveries. ↑