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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 | €65,081,539.62 | €449,934,389.16 |

Number of projects funded | ||||||

57 | 120 | 182 | 189 | 228 | 215 | 991 |

Average amount borrowed | ||||||

€198,645.00 | €378,137.00 | €475,018.00 | €587,749.00 | €572,876.00 | €302,705.00 | €454,021.00 |

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

6.26 % | 6.12 % | 6.11 % | 5.38 % | 5.72 % | 5.00 % | 5.66 % |

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

6.51 % | 6.56 % | 6.60 % | 5.57 % | 5.65 % | 4.63 % | 5.75 % |

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

51 months | 45 months | 53 months | 50 months | 45 months | 43 months | 48 months |

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

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

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

60 months | 49 months | 37 months | 26 months | 14 months | 4 months | 25 months |

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

60 months | 50 months | 37 months | 26 months | 14 months | 3 months | 25 months |

Capital repaid | ||||||

€10,658,201.89 | €39,354,749.22 | €59,274,281.16 | €54,607,141.87 | €31,932,868.03 | €1,922,495.95 | €197,749,738.12 |

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

94.13 % | 86.73 % | 68.56 % | 49.16 % | 24.45 % | 2.95 % | 43.95 % |

Interest received | ||||||

€1,434,637.62 | €5,139,154.06 | €9,081,117.16 | €8,560,148.44 | €6,682,169.83 | €736,449.68 | €31,633,676.79 |

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

92.93 % | 89.28 % | 70.83 % | 64.22 % | 42.27 % | 10.60 % | 56.28 % |

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

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

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

5.26 % | 4.48 % | 3.34 % | 2.27 % | 5.65 % | 5.00 % | 4.10 % |

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

6.43 % | 6.41 % | 6.33 % | 5.44 % | 6.01 % | 4.96 % | 5.84 % |

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

-1.17 % | -1.92 % | -2.98 % | -3.17 % | -0.36 % | 0.04 % | -1.75 % |

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

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

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

€2,168.83 | €-0.01 | €117,857.79 | €236,521.93 | €14,737.99 | €0.00 | €371,286.53 |

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

0.02 % | -0.00 % | 0.14 % | 0.21 % | 0.01 % | 0.00 % | 0.08 % |

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

1.75 % | 0.84 % | 3.31 % | 2.62 % | 0.44 % | 0.00 % | 1.41 % |

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

€304,833.87 | €1,607,204.45 | €4,836,746.89 | €6,717,649.28 | €790,616.36 | €0.00 | €14,257,050.86 |

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

2.69 % | 3.56 % | 5.73 % | 5.94 % | 0.63 % | 0.00 % | 3.16 % |

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

8.77 % | 13.45 % | 14.92 % | 8.38 % | 1.33 % | 0.00 % | 6.74 % |

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 | |||

4.32 % | 5.73 % | 7.11 % | 5.60 % |

Capital Outstanding | |||

€41,480,252.07 | €189,475,171.20 | €21,191,931.76 | €252,147,355.00 |

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

7.96 % | 10.17 % | 14.48 % | 10.17 % |

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

7.96 % | 10.01 % | 13.48 % | 9.96 % |

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

2.70 % | 11.81 % | 18.29 % | 12.31 % |

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

2.70 % | 11.25 % | 15.85 % | 11.41 % |

* 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. ↑