Operation statistics of Žltý melón
Žltý melón operates successfully since 2012. Have a look at our recent performance.
Loan approved and realised
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Loan approved and realised |
Realised loans volume on Žltý melón.
Loans by purpose
Classification of granted loans by their purpose of use (by volume).
Loans by maturity period
Classification of granted loans by maturity period (by volume).
Loans by applicant´s rating class
Classification of granted loans by applicant´s rating class (by volume).
Loans by the region of the applicant - SVK
Classification of granted loans by region of the applicant - SVK.
Collected principal and interests for investors
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Collected principal and interests for investors |
Split of repaid installments between principal and interest.
Our Loan Portfolio
| 2017 | 2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
Total |
Current* |
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|---|---|---|---|---|---|---|---|---|---|---|
| Returns | ||||||||||
| Loan amount | 2 806 443 € | 3 119 729 € | 3 107 577 € | 4 649 040 € | 6 077 862 € | 10 476 149 € | 11 143 808 € | 50 365 468 € | 28 175 876 € | |
| Interest charges | 568 088 € | 526 578 € | 536 408 € | 491 408 € | 650 849 € | 1 237 058 € | 1 987 035 € | 7 644 281 € | 3 794 664 € | |
| Interest rate | 9,82 % | 8,27 % | 9,01 % | 8,90 % | 8,77 % | 8,88 % | 8,97 % | 9,27 % | 8,92 % | |
| Interest rate (excluding CashFree loans) | 11,92 % | 9,38 % | 9,45 % | 9,45 % | 9,12 % | 9,08 % | 9,33 % | 9,90 % | 9,11 % | |
| Repayments** | ||||||||||
| Loan principal (excluding collections) | 2 428 166 € | 2 906 821 € | 2 814 405 € | 4 483 026 € | 4 910 107 € | 7 531 254 € | 5 088 150 € | 35 123 510 € | 16 824 674 € | |
| Interest and Fees (excluding collections) | 473 072 € | 482 414 € | 472 770 € | 449 656 € | 560 795 € | 735 679 € | 582 806 € | 4 661 993 € | 1 401 474 € | |
| Total (including legal collections) | 3 158 306 € | 3 520 247 € | 3 406 365 € | 4 994 088 € | 5 547 408 € | 8 281 814 € | 5 673 514 € | 40 977 939 € | 18 253 006 € | |
| Defaults and Collections | ||||||||||
| Unpaid loan principle*** | 291 312 € | 176 393 € | 221 889 € | 100 194 € | 135 751 € | 266 475 € | 248 080 € | 2 145 653 € | 469 941 € | |
| Amount collected | 257 069 € | 131 013 € | 119 190 € | 61 406 € | 76 507 € | 14 881 € | 2 557 € | 1 192 436 € | 26 859 € | |
| % of loan principle collected | 88,24 % | 74,27 % | 53,72 % | 61,29 % | 56,36 % | 5,58 % | 1,03 % | 55,57 % | 5,72 % | |
| Remaining unpaid principal | 34 244 € | 45 380 € | 102 699 € | 38 788 € | 59 244 € | 251 593 € | 245 523 € | 953 217 € | 443 082 € | |
| Actual default rate (including collections) | 1,22 % | 1,45 % | 3,30 % | 0,83 % | 0,97 % | 2,40 % | 2,20 % | 1,89 % | 1,57 % |
* Loan portfolio data for the past 24 months
** Not including any bonus payments made to investors (e.g. promotional CashFree bonus interest rates)
*** Amount of the loan principle that had not yet been repaid when the loan went into default.
Performance of the loan portfolio by year
Actual Net Interest rate for Investors (p.a.)
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Net interest rate of investors split by rating group of the applicant at recent default and recovery rate on last 24 months portfolio.
More about this graph and its calculation you will find here
Overall Net Interest rate for Investors (p.a.)
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Net interest rate of investors for the whole Žltý melón operation time, split by rating group of the applicant, at recent default and recovery rate.
More about this graph and its calculation you will find here.
Net return of our investors (p.a.)
The chart shows the Net Interest Rate of all Žltý melón investors with more than 40 and less than 500 realized investments. You will learn more about this chart and how is calculated here
The chart shows the Net Interest Rate of all Žltý melón investors with at least 500 realized investments. You will learn more about this chart and how is calculated here
Development of defaults by years (Risk Vintages)
Development of default by year when loans were granted, so-called Risk Vintages. On the bottom axis is the number of months from granting loans. Trends in particular vintage lines are easy to read.
More about this graph and its calculation you will find here.
