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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 | 2021 | total |
---|---|---|---|---|---|---|---|

Amount lent | |||||||

€11,322,752.05 | €45,376,453.13 | €86,453,281.12 | €111,084,549.43 | €130,615,813.81 | €120,957,559.57 | €77,661,950.26 | €583,472,359.37 |

Number of projects funded | |||||||

57 | 120 | 182 | 189 | 228 | 398 | 299 | 1,473 |

Average amount borrowed | |||||||

€198,645.00 | €378,137.00 | €475,018.00 | €587,749.00 | €572,876.00 | €303,913.00 | €259,739.00 | €396,112.00 |

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

6.26 % | 6.12 % | 6.11 % | 5.38 % | 5.72 % | 4.87 % | 5.25 % | 5.51 % |

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

6.51 % | 6.56 % | 6.60 % | 5.57 % | 5.65 % | 4.52 % | 4.98 % | 5.42 % |

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

51 months | 45 months | 53 months | 50 months | 45 months | 43 months | 49 months | 47 months |

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

50 months | 49 months | 48 months | 44 months | 41 months | 40 months | 47 months | 44 months |

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

69 months | 58 months | 46 months | 35 months | 23 months | 10 months | 3 months | 27 months |

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

69 months | 59 months | 46 months | 35 months | 22 months | 10 months | 2 months | 24 months |

Capital repaid | |||||||

€10,983,139.64 | €41,752,765.63 | €68,478,868.58 | €69,886,320.57 | €62,472,679.59 | €17,133,555.52 | €731,805.92 | €271,439,135.44 |

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

97.00 % | 92.01 % | 79.21 % | 62.91 % | 47.83 % | 14.16 % | 0.94 % | 46.52 % |

Interest received | |||||||

€1,441,451.40 | €5,285,355.12 | €9,835,109.56 | €10,110,002.59 | €10,277,266.37 | €3,975,997.56 | €523,136.57 | €41,448,319.18 |

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

93.37 % | 91.82 % | 76.71 % | 75.84 % | 65.01 % | 31.34 % | 5.44 % | 57.92 % |

2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | total |

2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | total |
---|---|---|---|---|---|---|---|

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

5.23 % | 4.23 % | 2.96 % | 2.03 % | 5.59 % | 5.11 % | 5.32 % | 4.19 % |

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

6.43 % | 6.41 % | 6.33 % | 5.44 % | 6.01 % | 5.06 % | 5.33 % | 5.73 % |

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

-1.19 % | -2.18 % | -3.37 % | -3.41 % | -0.42 % | 0.05 % | -0.01 % | -1.54 % |

2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | total |

2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | total |
---|---|---|---|---|---|---|---|

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

€9,748.97 | €0.00 | €289,504.83 | €116,444.53 | €107,502.64 | €20,432.23 | €0.00 | €543,633.20 |

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

0.09 % | 0.00 % | 0.34 % | 0.10 % | 0.09 % | 0.02 % | 0.00 % | 0.09 % |

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

1.75 % | 0.00 % | 2.76 % | 1.57 % | 1.33 % | 0.25 % | 0.00 % | 0.87 % |

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

€304,833.87 | €2,280,450.51 | €5,382,860.03 | €7,276,554.97 | €759,942.80 | €314,343.07 | €0.00 | €16,318,985.26 |

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

2.69 % | 5.05 % | 6.38 % | 6.43 % | 0.61 % | 0.26 % | 0.00 % | 2.78 % |

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

8.77 % | 15.97 % | 16.57 % | 10.47 % | 1.33 % | 0.25 % | 0.00 % | 5.19 % |

2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | total |

## Default indicators**

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

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

A | B | C | total |

Average rate | |||

4.45 % | 5.57 % | 6.12 % | 5.44 % |

Capital Outstanding | |||

€48,732,639.15 | €231,194,479.50 | €34,966,411.95 | €314,893,530.60 |

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

6.27 % | 11.14 % | 7.92 % | 10.03 % |

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

6.27 % | 10.97 % | 7.75 % | 9.89 % |

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

4.41 % | 10.27 % | 8.57 % | 9.52 % |

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

4.41 % | 9.90 % | 8.21 % | 9.17 % |

* 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. ↑