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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 | €33,316,130.18 | €418,168,979.72 |

Number of projects funded | ||||||

57 | 120 | 182 | 189 | 228 | 87 | 863 |

Average amount borrowed | ||||||

€198,645.00 | €378,137.00 | €475,018.00 | €587,749.00 | €572,876.00 | €382,944.00 | €484,553.00 |

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

6.26 % | 6.12 % | 6.11 % | 5.38 % | 5.72 % | 5.47 % | 5.75 % |

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

6.51 % | 6.56 % | 6.60 % | 5.57 % | 5.65 % | 5.22 % | 5.97 % |

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) | ||||||

57 months | 46 months | 34 months | 23 months | 10 months | 2 months | 23 months |

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

57 months | 47 months | 34 months | 23 months | 10 months | 2 months | 25 months |

Capital repaid | ||||||

€10,556,072.59 | €38,605,790.71 | €57,400,412.09 | €50,438,652.11 | €24,987,126.12 | €436,280.01 | €182,424,333.64 |

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

93.23 % | 85.08 % | 66.39 % | 45.41 % | 19.13 % | 1.31 % | 43.62 % |

Interest received | ||||||

€1,426,264.33 | €5,057,623.51 | €8,749,064.81 | €7,888,933.82 | €5,196,894.68 | €228,989.66 | €28,547,770.81 |

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

92.39 % | 87.86 % | 68.24 % | 59.18 % | 32.87 % | 5.91 % | 53.73 % |

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

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

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

5.12 % | 4.43 % | 3.39 % | 2.89 % | 5.58 % | 5.15 % | 4.20 % |

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

6.43 % | 6.41 % | 6.33 % | 5.44 % | 6.01 % | 5.47 % | 5.94 % |

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

-1.30 % | -1.98 % | -2.94 % | -2.55 % | -0.43 % | -0.32 % | -1.74 % |

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

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

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

€2,168.83 | €18,190.37 | €595,540.26 | €398,260.30 | €84,701.08 | €0.00 | €1,098,860.84 |

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

0.02 % | 0.04 % | 0.71 % | 0.35 % | 0.07 % | 0.00 % | 0.26 % |

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

1.75 % | 1.68 % | 3.87 % | 3.14 % | 3.11 % | 0.00 % | 2.66 % |

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

€338,456.77 | €1,640,900.16 | €4,757,358.92 | €5,040,611.99 | €750,950.64 | €0.00 | €12,528,278.48 |

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

2.99 % | 3.63 % | 5.64 % | 4.45 % | 0.60 % | 0.00 % | 2.99 % |

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

8.77 % | 14.29 % | 14.92 % | 7.85 % | 0.89 % | 0.00 % | 7.63 % |

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 | |||

4.35 % | 5.85 % | 7.63 % | 5.72 % |

Capital Outstanding | |||

€42,004,803.58 | €176,584,576.60 | €16,828,703.22 | €235,418,083.40 |

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

7.86 % | 10.03 % | 18.94 % | 10.28 % |

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

7.86 % | 8.47 % | 17.75 % | 9.03 % |

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

2.90 % | 14.04 % | 22.70 % | 14.71 % |

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

2.90 % | 12.55 % | 18.44 % | 12.79 % |

* 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. ↑