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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 | total |
---|---|---|---|---|

Amount lent | ||||

11 322 752,05 € | 45 376 453,13 € | 86 453 281,12 € | 94 606 328,43 € | 237 758 814,73 € |

Number of projects funded | ||||

57 | 120 | 182 | 152 | 511 |

Average amount borrowed | ||||

198 645,00 € | 378 137,00 € | 475 018,00 € | 622 410,00 € | 465 281,00 € |

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

6,26 % | 6,12 % | 6,11 % | 5,31 % | 5,80 % |

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

6,51 % | 6,56 % | 6,60 % | 5,71 % | 6,32 % |

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

50 months | 45 months | 52 months | 51 months | 50 months |

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

49 months | 49 months | 48 months | 45 months | 47 months |

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

38 months | 27 months | 15 months | 5 months | 14 months |

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

38 months | 28 months | 15 months | 5 months | 18 months |

Capital repaid | ||||

8 539 891,02 € | 27 771 888,05 € | 26 847 877,99 € | 7 451 513,85 € | 70 611 170,90 € |

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

75,42 % | 61,20 % | 31,05 % | 7,88 % | 29,70 % |

Interest received | ||||

1 295 340,55 € | 4 067 389,76 € | 5 144 840,37 € | 1 575 120,16 € | 12 082 690,85 € |

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

80,92 % | 70,66 % | 40,13 % | 13,75 % | 38,19 % |

2015 | 2016 | 2017 | 2018 | total |

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

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

5,23 % | 5,36 % | 5,07 % | 4,87 % | 5,05 % |

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

6,42 % | 6,40 % | 6,33 % | 5,37 % | 5,97 % |

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

-1,19 % | -1,04 % | -1,26 % | -0,50 % | -0,93 % |

2015 | 2016 | 2017 | 2018 | total |

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

Late Capital ^{6} | ||||

0,00 € | 34 562,27 € | 216 265,85 € | 55 532,52 € | 306 360,64 € |

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

0,00 % | 0,08 % | 0,26 % | 0,06 % | 0,13 % |

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

0,00 % | 3,36 % | 5,52 % | 1,30 % | 3,13 % |

Defaulted Capital ^{8} | ||||

311 095,67 € | 796 621,40 € | 2 064 783,50 € | 941 283,70 € | 4 113 784,26 € |

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

2,75 % | 1,76 % | 2,45 % | 0,97 % | 1,73 % |

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

7,02 % | 8,40 % | 2,76 % | 0,65 % | 3,91 % |

2015 | 2016 | 2017 | 2018 | total |

1. Share of borrowed capital that has already been repaid. The older the loans, the higher the share already repaid. ↑

2. Share of interest due that has already been paid. The older the loans, the higher the share already paid. ↑

3. The net internal rate of return represents the annual profitability of the loans, net of known losses or proven losses at the calculation date. ↑

4. The maximum possible internal rate of return represents the annualised return on loans if all loans were repaid as originally scheduled. ↑

5. The annual cost of risk observed represents the decrease in profitability caused by delays and payment defaults compared to the maximum possible rate of profitability. This is the difference between the maximum possible internal rate of return (4) and the net internal rate of return (3). ↑

6. The overdue capital is the sum of the capital of payments less than 180 days overdue, net of recoveries. ↑

7. The late payment rate represents the proportion of overdue payments of less than 180 days in relation to the borrowed capital. It is calculated as follows: - by volume: overdue capital / amount lent; - by number: number of projects overdue / number of projects financed. ↑

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. ↑

9. The default rate represents the share of capital that will never or probably never be repaid in relation to the capital borrowed. It is calculated as follows: - in volume: capital in absence / amount lent; - in number: number of projects in default / number of projects financed. ↑

## Default indicators

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

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

A | B | C | total |

Average rate | |||

4,58 % | 5,88 % | 8,01 % | 5,80 % |

Capital Outstanding | |||

38 589 360,32 € | 114 297 736,50 € | 14 258 478,43 € | 167 145 575,20 € |

Default rate (V) | |||

8,55 % | 5,37 % | 11,71 % | 6,65 % |

Default rate > 60 days (V) | |||

0,17 % | 4,06 % | 11,71 % | 3,81 % |

Default rate (N)* | |||

4,17 % | 7,74 % | 9,17 % | 7,71 % |

Default rate > 60 days (N)* | |||

2,08 % | 5,81 % | 9,17 % | 6,21 % |

* net of recovery

## Typical lender wallet

Portfolio of a lender having invested € per project since the creation of October

Grade A | |
---|---|

Financed projects | |

Including fully reimbursed projects | |

Average interest rate | % |

Average duration | months |

Total lent amount | |

Received reimbursments | |

Including received interests | |

Reimbursments to receive | |

Including capital to receive | |

Including interests to receive | |

Total reimbursments | |

Including total interests | |

Defaults | |

Defaults amount | |

Total potential gain excluding taxation |

Grade B | |
---|---|

Financed projects | |

Including fully reimbursed projects | |

Average interest rate | % |

Average duration | months |

Total lent amount | |

Received reimbursments | |

Including received interests | |

Reimbursments to receive | |

Including capital to receive | |

Including interests to receive | |

Total reimbursments | |

Including total interests | |

Defaults | |

Defaults amount | |

Total potential gain excluding taxation |

Grade C | |
---|---|

Financed projects | |

Including fully reimbursed projects | |

Average interest rate | % |

Average duration | months |

Total lent amount | |

Received reimbursments | |

Including received interests | |

Reimbursments to receive | |

Including capital to receive | |

Including interests to receive | |

Total reimbursments | |

Including total interests | |

Defaults | |

Defaults amount | |

Total potential gain excluding taxation |

Total | |
---|---|

Financed projects | |

Including fully reimbursed projects | |

Average interest rate | % |

Average duration | months |

Total lent amount | |

Received reimbursements | |

Including received interests | |

Reimbursments to receive | |

Including capital to receive | |

Including interests to receive | |

Total reimbursments | |

Including total interests | |

Defaults | |

Defaults amount | |

Total potential gain excluding taxation |