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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 | €42,444,584.18 | €548,254,993.29 |

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

57 | 120 | 182 | 189 | 228 | 398 | 149 | 1,323 |

Average amount borrowed | |||||||

€198,645.00 | €378,137.00 | €475,018.00 | €587,749.00 | €572,876.00 | €303,913.00 | €284,863.00 | €414,403.00 |

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

6.26 % | 6.12 % | 6.11 % | 5.38 % | 5.72 % | 4.87 % | 5.38 % | 5.54 % |

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

6.51 % | 6.56 % | 6.60 % | 5.57 % | 5.65 % | 4.52 % | 4.98 % | 5.47 % |

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

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

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

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

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

67 months | 56 months | 44 months | 33 months | 20 months | 8 months | 1 months | 26 months |

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

67 months | 57 months | 44 months | 33 months | 20 months | 7 months | 1 months | 25 months |

Capital repaid | |||||||

€10,962,460.56 | €41,332,455.82 | €66,639,118.06 | €66,805,477.52 | €56,072,466.41 | €11,209,629.83 | €88,063.18 | €253,109,671.36 |

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

96.82 % | 91.09 % | 77.08 % | 60.14 % | 42.93 % | 9.27 % | 0.21 % | 46.17 % |

Interest received | |||||||

€1,441,257.58 | €5,264,629.00 | €9,709,993.95 | €9,815,225.93 | €9,575,540.07 | €3,107,039.60 | €121,839.69 | €39,035,525.84 |

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

93.36 % | 91.46 % | 75.74 % | 73.63 % | 60.57 % | 24.49 % | 2.21 % | 57.86 % |

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

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

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

5.24 % | 4.26 % | 2.99 % | 2.11 % | 5.63 % | 4.97 % | 5.39 % | 4.15 % |

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

6.43 % | 6.41 % | 6.33 % | 5.44 % | 6.01 % | 5.06 % | 5.40 % | 5.75 % |

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

-1.18 % | -2.15 % | -3.34 % | -3.34 % | -0.38 % | -0.08 % | -0.01 % | -1.60 % |

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

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

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

€2,168.83 | €0.00 | €237,016.27 | €205,387.17 | €66,075.88 | €17,980.33 | €0.00 | €528,628.48 |

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

0.02 % | 0.00 % | 0.28 % | 0.18 % | 0.05 % | 0.02 % | 0.00 % | 0.10 % |

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

1.75 % | 0.00 % | 2.21 % | 2.62 % | 0.89 % | 0.25 % | 0.00 % | 0.98 % |

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

€304,833.87 | €1,808,513.56 | €5,383,249.51 | €7,293,557.54 | €766,294.36 | €0.00 | €0.00 | €15,556,448.85 |

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

2.69 % | 4.00 % | 6.38 % | 6.44 % | 0.61 % | 0.00 % | 0.00 % | 2.83 % |

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

8.77 % | 15.13 % | 16.57 % | 10.47 % | 1.33 % | 0.00 % | 0.00 % | 5.73 % |

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 | |||

4.41 % | 5.59 % | 6.29 % | 5.47 % |

Capital Outstanding | |||

€44,385,710.81 | €218,722,113.20 | €31,344,122.42 | €294,451,946.50 |

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

6.88 % | 11.35 % | 8.05 % | 10.32 % |

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

6.88 % | 11.34 % | 7.59 % | 10.27 % |

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

4.76 % | 11.11 % | 12.16 % | 10.95 % |

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

4.76 % | 10.97 % | 10.81 % | 10.55 % |

* 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. ↑