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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

### 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 | €72,542,559.07 | €457,395,408.61 |

Number of projects funded | ||||||

57 | 120 | 182 | 189 | 228 | 243 | 1,019 |

Average amount borrowed | ||||||

€198,645.00 | €378,137.00 | €475,018.00 | €587,749.00 | €572,876.00 | €298,529.00 | €448,867.00 |

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

6.26 % | 6.12 % | 6.11 % | 5.38 % | 5.72 % | 4.93 % | 5.64 % |

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

6.51 % | 6.56 % | 6.60 % | 5.57 % | 5.65 % | 4.56 % | 5.70 % |

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

51 months | 45 months | 53 months | 50 months | 45 months | 43 months | 48 months |

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

50 months | 49 months | 48 months | 44 months | 41 months | 39 months | 44 months |

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

61 months | 50 months | 38 months | 27 months | 15 months | 4 months | 25 months |

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

61 months | 51 months | 38 months | 27 months | 14 months | 4 months | 25 months |

Capital repaid | ||||||

€10,707,047.75 | €39,664,805.50 | €60,122,901.53 | €56,150,022.85 | €35,701,727.94 | €2,452,090.25 | €204,798,595.81 |

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

94.56 % | 87.41 % | 69.54 % | 50.55 % | 27.33 % | 3.38 % | 44.77 % |

Interest received | ||||||

€1,436,328.99 | €5,163,042.10 | €9,190,542.52 | €8,764,344.45 | €7,145,734.81 | €960,465.88 | €32,660,458.76 |

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

93.04 % | 89.69 % | 71.68 % | 65.75 % | 45.20 % | 12.92 % | 57.61 % |

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

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

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

5.26 % | 4.48 % | 3.34 % | 2.25 % | 5.65 % | 5.12 % | 4.04 % |

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

6.43 % | 6.41 % | 6.33 % | 5.44 % | 6.01 % | 5.09 % | 5.85 % |

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

-1.17 % | -1.92 % | -2.99 % | -3.19 % | -0.36 % | 0.04 % | -1.81 % |

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

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

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

€2,168.83 | €-0.01 | €95,014.56 | €260,649.21 | €17,240.82 | €0.00 | €375,073.40 |

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

0.02 % | 0.00 % | 0.11 % | 0.23 % | 0.01 % | 0.00 % | 0.08 % |

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

1.75 % | 0.84 % | 2.76 % | 2.62 % | 0.44 % | 0.00 % | 1.27 % |

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

€304,833.87 | €1,607,204.45 | €4,836,746.89 | €6,738,256.01 | €790,616.36 | €0.00 | €14,277,657.59 |

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

2.69 % | 3.56 % | 5.73 % | 5.95 % | 0.63 % | 0.00 % | 3.12 % |

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

8.77 % | 13.45 % | 14.92 % | 8.90 % | 1.33 % | 0.00 % | 6.65 % |

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 | |||

4.32 % | 5.72 % | 6.87 % | 5.58 % |

Capital Outstanding | |||

€40,497,186.09 | €189,296,887.40 | €22,723,971.25 | €252,518,044.70 |

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

8.15 % | 10.09 % | 12.82 % | 10.02 % |

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

8.15 % | 9.92 % | 12.54 % | 9.88 % |

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

2.67 % | 11.41 % | 17.26 % | 11.82 % |

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

2.67 % | 10.87 % | 15.48 % | 11.07 % |

* 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. ↑