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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 | €80,294,045.05 | €334,531,080.78 |

Number of projects funded | |||||

57 | 120 | 182 | 189 | 139 | 687 |

Average amount borrowed | |||||

€198,645.00 | €378,137.00 | €475,018.00 | €587,749.00 | €577,655.00 | €486,945.00 |

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

6.26 % | 6.12 % | 6.11 % | 5.38 % | 5.70 % | 5.77 % |

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

6.51 % | 6.56 % | 6.60 % | 5.57 % | 5.66 % | 6.11 % |

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

50 months | 45 months | 52 months | 49 months | 43 months | 48 months |

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

49 months | 49 months | 48 months | 43 months | 38 months | 45 months |

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

48 months | 37 months | 25 months | 14 months | 4 months | 19 months |

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

48 months | 38 months | 25 months | 14 months | 4 months | 22 months |

Capital repaid | |||||

€9,993,389.06 | €35,265,664.43 | €46,329,479.85 | €30,421,047.78 | €3,090,261.13 | €125,099,842.25 |

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

88.26 % | 77.72 % | 53.59 % | 27.39 % | 3.85 % | 37.40 % |

Interest received | |||||

€1,392,124.70 | €4,747,344.62 | €7,469,541.36 | €5,425,085.64 | €1,072,505.97 | €20,106,602.29 |

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

86.96 % | 82.47 % | 58.26 % | 40.70 % | 11.59 % | 47.02 % |

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

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

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

5.22 % | 5.00 % | 3.57 % | 4.01 % | 5.88 % | 4.48 % |

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

6.42 % | 6.40 % | 6.33 % | 5.44 % | 5.93 % | 5.96 % |

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

-1.20 % | -1.41 % | -2.76 % | -1.43 % | -0.04 % | -1.49 % |

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

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

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

€10,675.34 | €27,714.98 | €104,097.10 | €143,414.51 | €56,920.01 | €342,821.94 |

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

0.09 % | 0.06 % | 0.12 % | 0.13 % | 0.07 % | 0.10 % |

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

5.26 % | 2.52 % | 3.87 % | 3.66 % | 0.71 % | 3.05 % |

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

€299,054.26 | €1,116,490.97 | €4,417,218.85 | €2,605,644.17 | €0.00 | €8,438,408.24 |

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

2.64 % | 2.47 % | 5.24 % | 2.30 % | 0.00 % | 2.52 % |

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

7.02 % | 10.92 % | 11.60 % | 5.24 % | 0.00 % | 6.98 % |

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

## Default indicators**

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

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

A | B | C | total |

Average rate | |||

4.42 % | 5.87 % | 7.72 % | 5.77 % |

Capital Outstanding | |||

€39,114,935.76 | €153,442,755.20 | €16,592,490.98 | €209,150,182.00 |

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

8.44 % | 7.37 % | 15.98 % | 8.25 % |

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

8.44 % | 7.10 % | 14.48 % | 7.93 % |

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

3.57 % | 12.34 % | 16.67 % | 12.48 % |

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

3.57 % | 11.29 % | 14.39 % | 11.25 % |

* 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. ↑