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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 | €62,801,931.21 | €317,038,966.94 |

Number of projects funded | |||||

57 | 120 | 182 | 189 | 97 | 645 |

Average amount borrowed | |||||

€198,645.00 | €378,137.00 | €475,018.00 | €587,749.00 | €647,443.00 | €491,533.00 |

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

6.26 % | 6.12 % | 6.11 % | 5.38 % | 5.77 % | 5.79 % |

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

6.51 % | 6.56 % | 6.60 % | 5.57 % | 5.95 % | 6.18 % |

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

50 months | 45 months | 52 months | 49 months | 42 months | 48 months |

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

49 months | 49 months | 48 months | 43 months | 39 months | 45 months |

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

46 months | 34 months | 23 months | 12 months | 2 months | 17 months |

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

46 months | 36 months | 23 months | 12 months | 3 months | 21 months |

Capital repaid | |||||

€9,760,027.19 | €33,975,490.94 | €42,970,269.82 | €23,251,352.24 | €1,319,265.71 | €111,276,405.91 |

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

86.20 % | 74.87 % | 49.70 % | 20.93 % | 2.10 % | 35.10 % |

Interest received | |||||

€1,379,343.02 | €4,645,088.37 | €7,086,270.70 | €4,716,798.35 | €486,490.85 | €18,313,991.28 |

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

86.16 % | 80.70 % | 55.27 % | 35.38 % | 6.98 % | 45.24 % |

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

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

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

5.23 % | 5.09 % | 3.94 % | 4.18 % | 5.97 % | 4.59 % |

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

6.42 % | 6.40 % | 6.33 % | 5.44 % | 5.99 % | 5.97 % |

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

-1.19 % | -1.32 % | -2.39 % | -1.26 % | -0.02 % | -1.39 % |

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

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

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

€4,849.88 | €11,625.35 | €108,588.81 | €588,860.58 | €18,893.70 | €732,818.32 |

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

0.04 % | 0.03 % | 0.13 % | 0.52 % | 0.03 % | 0.23 % |

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

7.02 % | 2.52 % | 6.08 % | 4.19 % | 1.02 % | 4.18 % |

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

€299,056.64 | €1,051,198.40 | €3,822,596.39 | €2,243,087.02 | €0.00 | €7,415,938.45 |

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

2.64 % | 2.33 % | 4.53 % | 1.98 % | 0.00 % | 2.34 % |

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

7.02 % | 10.08 % | 8.84 % | 4.19 % | 0.00 % | 6.19 % |

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

## Default indicators**

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

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

A | B | C | total |

Average rate | |||

4.47 % | 5.90 % | 7.83 % | 5.78 % |

Capital Outstanding | |||

€43,524,639.42 | €145,327,396.11 | €16,630,918.26 | €205,482,953.80 |

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

7.58 % | 7.93 % | 16.09 % | 8.52 % |

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

0.15 % | 6.21 % | 14.65 % | 5.61 % |

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

3.39 % | 12.12 % | 17.05 % | 12.34 % |

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

1.69 % | 9.37 % | 13.95 % | 9.62 % |

* 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. ↑