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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 | 2020 | total |
---|---|---|---|---|---|---|

Amount lent | ||||||

€11,322,752.05 | €45,376,453.13 | €86,453,281.12 | €111,084,549.43 | €130,615,813.81 | €23,997,368.91 | €408,850,218.45 |

Number of projects funded | ||||||

57 | 120 | 182 | 189 | 228 | 65 | 841 |

Average amount borrowed | ||||||

€198,645.00 | €378,137.00 | €475,018.00 | €587,749.00 | €572,876.00 | €369,190.00 | €486,148.00 |

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

6.26 % | 6.12 % | 6.11 % | 5.38 % | 5.72 % | 5.53 % | 5.76 % |

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

6.51 % | 6.56 % | 6.60 % | 5.57 % | 5.65 % | 5.17 % | 5.99 % |

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

51 months | 45 months | 53 months | 50 months | 45 months | 47 months | 48 months |

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

50 months | 49 months | 48 months | 44 months | 41 months | 42 months | 45 months |

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

56 months | 45 months | 33 months | 22 months | 9 months | 2 months | 23 months |

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

56 months | 46 months | 33 months | 22 months | 9 months | 2 months | 25 months |

Capital repaid | ||||||

€10,549,615.32 | €38,587,190.59 | €57,216,274.24 | €49,935,621.96 | €23,458,678.63 | €215,748.62 | €179,963,129.36 |

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

93.17 % | 85.04 % | 66.18 % | 44.95 % | 17.96 % | 0.90 % | 44.02 % |

Interest received | ||||||

€1,423,954.33 | €5,030,652.39 | €8,641,082.73 | €7,660,877.62 | €4,698,658.51 | €106,028.11 | €27,561,253.69 |

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

92.24 % | 87.39 % | 67.40 % | 57.47 % | 29.72 % | 3.64 % | 52.82 % |

2015 | 2016 | 2017 | 2018 | 2019 | 2020 | total |

2015 | 2016 | 2017 | 2018 | 2019 | 2020 | total |
---|---|---|---|---|---|---|

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

5.11 % | 4.43 % | 3.40 % | 2.92 % | 5.59 % | 4.78 % | 4.17 % |

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

6.43 % | 6.41 % | 6.33 % | 5.44 % | 6.01 % | 5.17 % | 5.93 % |

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

-1.31 % | -1.98 % | -2.93 % | -2.52 % | -0.42 % | -0.39 % | -1.76 % |

2015 | 2016 | 2017 | 2018 | 2019 | 2020 | total |

2015 | 2016 | 2017 | 2018 | 2019 | 2020 | total |
---|---|---|---|---|---|---|

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

€2,168.83 | €12,084.58 | €574,457.52 | €321,317.81 | €49,148.42 | €2,789.10 | €961,966.26 |

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

0.02 % | 0.03 % | 0.68 % | 0.28 % | 0.04 % | 0.01 % | 0.24 % |

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

1.75 % | 1.68 % | 4.42 % | 3.14 % | 2.22 % | 1.43 % | 2.73 % |

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

€338,456.77 | €1,640,900.16 | €4,757,358.92 | €5,040,611.99 | €750,950.64 | €0.00 | €12,528,278.48 |

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

2.99 % | 3.63 % | 5.64 % | 4.45 % | 0.60 % | 0.00 % | 3.06 % |

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

8.77 % | 14.29 % | 14.92 % | 7.85 % | 0.89 % | 0.00 % | 7.83 % |

2015 | 2016 | 2017 | 2018 | 2019 | 2020 | total |

## Default indicators**

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

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

A | B | C | total |

Average rate | |||

4.33 % | 5.86 % | 7.64 % | 5.73 % |

Capital Outstanding | |||

€40,383,689.86 | €171,292,038.62 | €16,884,777.96 | €228,560,506.43 |

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

8.17 % | 12.06 % | 16.20 % | 11.68 % |

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

8.17 % | 9.28 % | 15.51 % | 9.54 % |

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

2.90 % | 15.94 % | 20.28 % | 15.52 % |

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

2.90 % | 13.54 % | 16.78 % | 13.13 % |

* 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. ↑