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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 | €74,307,497.93 | €328,544,533.66 |

Number of projects funded | |||||

57 | 120 | 182 | 189 | 128 | 676 |

Average amount borrowed | |||||

€198,645.00 | €378,137.00 | €475,018.00 | €587,749.00 | €580,527.00 | €486,013.00 |

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

6.26 % | 6.12 % | 6.11 % | 5.38 % | 5.73 % | 5.78 % |

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

6.51 % | 6.56 % | 6.60 % | 5.57 % | 5.74 % | 6.13 % |

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 | 39 months | 45 months |

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

47 months | 36 months | 24 months | 13 months | 4 months | 18 months |

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

48 months | 37 months | 25 months | 13 months | 3 months | 22 months |

Capital repaid | |||||

€9,883,677.86 | €34,665,297.12 | €44,441,469.27 | €25,454,525.48 | €2,069,519.88 | €116,514,489.61 |

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

87.29 % | 76.39 % | 51.41 % | 22.91 % | 2.79 % | 35.46 % |

Interest received | |||||

€1,386,137.11 | €4,699,510.58 | €7,277,953.77 | €5,075,448.64 | €762,925.89 | €19,201,975.99 |

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

86.59 % | 81.64 % | 56.77 % | 38.07 % | 8.85 % | 45.58 % |

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

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

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

5.23 % | 5.01 % | 3.61 % | 3.99 % | 5.94 % | 4.46 % |

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

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

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

-1.19 % | -1.40 % | -2.72 % | -1.45 % | -0.03 % | -1.51 % |

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

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

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

€12,438.87 | €29,776.67 | €102,656.03 | €747,672.67 | €56,920.01 | €949,464.25 |

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

0.11 % | 0.07 % | 0.12 % | 0.66 % | 0.08 % | 0.29 % |

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

5.26 % | 2.52 % | 3.31 % | 3.14 % | 0.78 % | 2.81 % |

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 % | 2.57 % |

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

7.02 % | 10.92 % | 11.60 % | 5.24 % | 0.00 % | 7.09 % |

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

## Default indicators**

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

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

A | B | C | total |

Average rate | |||

4.46 % | 5.89 % | 7.72 % | 5.77 % |

Capital Outstanding | |||

€42,687,592.66 | €151,906,931.40 | €17,154,518.95 | €211,749,043.00 |

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

7.73 % | 7.23 % | 15.41 % | 7.99 % |

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

7.73 % | 7.17 % | 15.37 % | 7.95 % |

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

3.45 % | 11.84 % | 15.91 % | 11.93 % |

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

3.45 % | 11.32 % | 15.15 % | 11.40 % |

* 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. ↑