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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 | €40,944,736.54 | €425,797,586.08 |

Number of projects funded | ||||||

57 | 120 | 182 | 189 | 228 | 107 | 883 |

Average amount borrowed | ||||||

€198,645.00 | €378,137.00 | €475,018.00 | €587,749.00 | €572,876.00 | €382,661.00 | €482,217.00 |

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

6.26 % | 6.12 % | 6.11 % | 5.38 % | 5.72 % | 5.39 % | 5.74 % |

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

6.51 % | 6.56 % | 6.60 % | 5.57 % | 5.65 % | 5.22 % | 5.95 % |

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

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

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

50 months | 49 months | 48 months | 44 months | 41 months | 41 months | 45 months |

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

58 months | 47 months | 35 months | 24 months | 11 months | 3 months | 24 months |

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

58 months | 48 months | 35 months | 24 months | 11 months | 3 months | 26 months |

Capital repaid | ||||||

€10,563,935.17 | €38,625,053.34 | €57,422,274.40 | €50,757,917.88 | €25,772,891.31 | €794,974.98 | €183,937,047.08 |

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

93.30 % | 85.12 % | 66.42 % | 45.69 % | 19.73 % | 1.94 % | 43.20 % |

Interest received | ||||||

€1,429,683.78 | €5,085,712.04 | €8,857,501.21 | €8,114,437.00 | €5,705,590.14 | €349,409.56 | €29,542,333.73 |

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

92.61 % | 88.35 % | 69.09 % | 60.87 % | 36.09 % | 7.56 % | 54.83 % |

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

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

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

5.13 % | 4.44 % | 3.35 % | 2.30 % | 5.64 % | 5.15 % | 4.07 % |

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

6.43 % | 6.41 % | 6.33 % | 5.44 % | 6.01 % | 5.16 % | 5.90 % |

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

-1.29 % | -1.97 % | -2.97 % | -3.14 % | -0.36 % | -0.01 % | -1.83 % |

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

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

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

€2,168.83 | €18,190.37 | €633,233.76 | €139,759.58 | €45,493.01 | €0.00 | €838,845.54 |

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

0.02 % | 0.04 % | 0.75 % | 0.12 % | 0.04 % | 0.00 % | 0.20 % |

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

1.75 % | 1.68 % | 3.87 % | 2.09 % | 1.33 % | 0.00 % | 1.92 % |

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

€337,080.64 | €1,640,339.64 | €4,823,283.46 | €6,717,649.28 | €790,616.36 | €0.00 | €14,308,969.38 |

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

2.98 % | 3.63 % | 5.72 % | 5.94 % | 0.63 % | 0.00 % | 3.36 % |

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

8.77 % | 14.29 % | 14.92 % | 8.38 % | 1.33 % | 0.00 % | 7.68 % |

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 | |||

4.33 % | 5.84 % | 7.63 % | 5.70 % |

Capital Outstanding | |||

€43,308,347.58 | €181,358,338.00 | €16,831,381.71 | €241,498,067.20 |

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

7.62 % | 9.74 % | 17.78 % | 9.92 % |

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

7.62 % | 8.39 % | 17.08 % | 8.86 % |

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

2.82 % | 13.54 % | 22.46 % | 14.22 % |

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

2.82 % | 12.50 % | 18.84 % | 12.77 % |

* 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. ↑