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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 | €51,373,979.50 | €305,611,015.23 |

Number of projects funded | |||||

57 | 120 | 182 | 189 | 79 | 627 |

Average amount borrowed | |||||

€198,645.00 | €378,137.00 | €475,018.00 | €587,749.00 | €650,304.00 | €487,418.00 |

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

6.26 % | 6.12 % | 6.11 % | 5.38 % | 5.79 % | 5.80 % |

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

6.51 % | 6.56 % | 6.60 % | 5.57 % | 6.09 % | 6.21 % |

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 | 40 months | 46 months |

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

45 months | 34 months | 22 months | 11 months | 2 months | 17 months |

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

45 months | 35 months | 22 months | 11 months | 2 months | 21 months |

Capital repaid | |||||

€9,616,625.73 | €33,277,228.21 | €40,485,482.27 | €21,057,477.92 | €776,285.89 | €105,213,100.02 |

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

84.93 % | 73.34 % | 46.83 % | 18.96 % | 1.51 % | 34.43 % |

Interest received | |||||

€1,371,023.99 | €4,588,576.53 | €6,867,219.32 | €4,338,818.46 | €279,764.18 | €17,445,402.48 |

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

85.64 % | 79.71 % | 53.56 % | 32.55 % | 4.59 % | 44.04 % |

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

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

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

5.20 % | 5.09 % | 3.96 % | 4.28 % | 6.08 % | 4.61 % |

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

6.43 % | 6.41 % | 6.33 % | 5.44 % | 6.08 % | 5.99 % |

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

-1.22 % | -1.31 % | -2.36 % | -1.16 % | 0.00 % | -1.38 % |

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

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

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

€8,292.60 | €5,670.72 | €84,250.82 | €500,919.03 | €0.00 | €599,133.17 |

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

0.07 % | 0.01 % | 0.10 % | 0.44 % | 0.00 % | 0.20 % |

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

7.02 % | 1.68 % | 4.97 % | 4.19 % | 0.00 % | 3.66 % |

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

€299,054.26 | €1,051,974.89 | €3,823,063.26 | €2,118,688.10 | €0.00 | €7,292,780.51 |

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

2.64 % | 2.33 % | 4.53 % | 1.87 % | 0.00 % | 2.38 % |

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

7.02 % | 10.08 % | 8.84 % | 3.14 % | 0.00 % | 6.05 % |

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

## Default indicators**

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

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

A | B | C | total |

Average rate | |||

4.48 % | 5.90 % | 7.84 % | 5.78 % |

Capital Outstanding | |||

€44,461,644.87 | €138,962,368.80 | €16,698,373.46 | €200,122,387.10 |

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

7.42 % | 7.34 % | 15.55 % | 8.05 % |

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

0.15 % | 6.37 % | 12.97 % | 5.54 % |

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

3.33 % | 10.96 % | 16.41 % | 11.40 % |

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

1.67 % | 9.27 % | 12.50 % | 9.19 % |

* 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. ↑