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
| 2019 | 2020 |
2021 |
2022 |
2023 |
2024 |
2025 |
Total |
Current* |
||
|---|---|---|---|---|---|---|---|---|---|---|
| Returns | ||||||||||
| Loan amount | 3 107 577 € | 4 649 040 € | 6 077 862 € | 10 476 149 € | 11 143 808 € | 11 596 098 € | 12 551 033 € | 72 190 429 € | 25 515 785 € | |
| Interest charges | 550 458 € | 561 166 € | 730 719 € | 1 505 320 € | 2 090 547 € | 2 147 556 € | 2 085 300 € | 12 662 402 € | 4 397 143 € | |
| Interest rate | 9,01 % | 8,90 % | 8,77 % | 8,88 % | 8,97 % | 9,09 % | 8,90 % | 9,19 % | 8,96 % | |
| Interest rate (excluding CashFree loans) | 9,45 % | 9,45 % | 9,12 % | 9,08 % | 9,33 % | 9,53 % | 9,11 % | 9,72 % | 9,27 % | |
| Repayments** | ||||||||||
| Loan principal (excluding collections) | 2 813 807 € | 4 520 974 € | 5 884 700 € | 9 623 339 € | 7 524 501 € | 6 880 639 € | 4 729 848 € | 52 174 924 € | 12 182 548 € | |
| Interest and Fees (excluding collections) | 465 564 € | 455 041 € | 597 562 € | 970 212 € | 1 202 748 € | 962 980 € | 475 795 € | 7 048 269 € | 1 420 329 € | |
| Total (including legal collections) | 3 426 243 € | 5 062 105 € | 6 605 417 € | 10 691 290 € | 8 825 392 € | 7 876 941 € | 5 205 840 € | 60 772 543 € | 13 634 216 € | |
| Defaults and Collections | ||||||||||
| Unpaid loan principle*** | 224 526 € | 88 654 € | 134 249 € | 375 974 € | 511 555 € | 443 711 € | 105 728 € | 2 740 890 € | 511 555 € | |
| Amount collected | 146 871 € | 86 090 € | 123 155 € | 97 739 € | 98 143 € | 33 322 € | 197 € | 1 549 350 € | 31 339 € | |
| % of loan principle collected | 65,41 % | 97,11 % | 91,74 % | 26,00 % | 19,19 % | 7,51 % | 0,19 % | 56,53 % | 6,13 % | |
| Remaining unpaid principal | 77 655 € | 2 563 € | 11 094 € | 278 235 € | 413 412 € | 410 389 € | 105 531 € | 1 191 540 € | 480 216 € | |
| Actual default rate (including collections) | 2,50 % | 0,06 % | 0,18 % | 2,66 % | 3,71 % | 3,54 % | 0,84 % | 1,65 % | 1,88 % |
* 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.
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.
