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
| 2018 | 2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Total |
Current* |
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|---|---|---|---|---|---|---|---|---|---|---|
| Returns | ||||||||||
| Loan amount | 3 119 729 € | 3 107 577 € | 4 649 040 € | 6 077 862 € | 10 476 149 € | 11 143 808 € | 11 596 098 € | 62 456 900 € | 23 560 533 € | |
| Interest charges | 554 074 € | 550 099 € | 561 067 € | 730 551 € | 1 503 604 € | 2 086 847 € | 2 140 439 € | 11 047 751 € | 4 281 373 € | |
| Interest rate | 8,27 % | 9,01 % | 8,90 % | 8,77 % | 8,88 % | 8,97 % | 9,09 % | 9,24 % | 8,93 % | |
| Interest rate (excluding CashFree loans) | 9,38 % | 9,45 % | 9,45 % | 9,12 % | 9,08 % | 9,33 % | 9,53 % | 9,84 % | 9,35 % | |
| Repayments** | ||||||||||
| Loan principal (excluding collections) | 2 906 821 € | 2 822 366 € | 4 514 038 € | 5 862 254 € | 8 655 053 € | 6 895 145 € | 4 885 801 € | 43 965 128 € | 9 880 840 € | |
| Interest and Fees (excluding collections) | 482 414 € | 472 920 € | 453 021 € | 590 559 € | 908 706 € | 986 347 € | 601 796 € | 5 872 919 € | 1 332 562 € | |
| Total (including legal collections) | 3 523 309 € | 3 436 434 € | 5 047 512 € | 6 555 540 € | 9 611 108 € | 7 936 241 € | 5 489 955 € | 51 217 281 € | 11 247 778 € | |
| Defaults and Collections | ||||||||||
| Unpaid loan principle*** | 176 393 € | 220 468 € | 98 248 € | 155 279 € | 403 717 € | 457 144 € | 188 889 € | 2 695 051 € | 430 236 € | |
| Amount collected | 134 075 € | 141 147 € | 80 452 € | 102 726 € | 47 349 € | 54 750 € | 2 359 € | 1 379 234 € | 34 376 € | |
| % of loan principle collected | 76,01 % | 64,02 % | 81,89 % | 66,16 % | 11,73 % | 11,98 % | 1,25 % | 51,18 % | 7,99 % | |
| Remaining unpaid principal | 42 318 € | 79 320 € | 17 796 € | 52 553 € | 356 368 € | 402 395 € | 186 530 € | 1 315 817 € | 395 861 € | |
| Actual default rate (including collections) | 1,36 % | 2,55 % | 0,38 % | 0,86 % | 3,40 % | 3,61 % | 1,61 % | 2,11 % | 1,68 % |
* 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.
