Operation statistics of Žltý melón
Žltý melón operates successfully since 2012. Have a look at our recent performance.
Loan approved and realised
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
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* |
||
---|---|---|---|---|---|---|---|---|---|---|
Returns | ||||||||||
Loan amount | 3 119 729 € | 3 107 577 € | 4 649 040 € | 6 077 862 € | 10 476 149 € | 11 143 808 € | 9 202 918 € | 56 145 622 € | 32 180 268 € | |
Interest charges | 526 578 € | 536 406 € | 491 363 € | 646 920 € | 1 201 980 € | 1 884 002 € | 1 763 068 € | 8 674 534 € | 4 314 595 € | |
Interest rate | 8,27 % | 9,01 % | 8,90 % | 8,77 % | 8,88 % | 8,97 % | 9,07 % | 9,27 % | 8,91 % | |
Interest rate (excluding CashFree loans) | 9,38 % | 9,45 % | 9,45 % | 9,12 % | 9,08 % | 9,33 % | 9,49 % | 9,89 % | 9,14 % | |
Repayments** | ||||||||||
Loan principal (excluding collections) | 2 906 821 € | 2 821 696 € | 4 502 190 € | 5 551 805 € | 8 048 050 € | 6 382 765 € | 2 272 284 € | 39 567 000 € | 19 959 474 € | |
Interest and Fees (excluding collections) | 482 414 € | 472 891 € | 452 025 € | 586 508 € | 836 572 € | 809 736 € | 258 006 € | 5 234 905 € | 1 613 278 € | |
Total (including legal collections) | 3 522 177 € | 3 424 239 € | 5 030 135 € | 6 226 752 € | 8 923 841 € | 7 202 992 € | 2 530 894 € | 46 086 471 € | 21 607 106 € | |
Defaults and Collections | ||||||||||
Unpaid loan principle*** | 176 393 € | 220 468 € | 99 667 € | 142 100 € | 340 962 € | 373 528 € | 53 212 € | 2 401 239 € | 533 454 € | |
Amount collected | 132 942 € | 129 651 € | 75 920 € | 88 439 € | 39 219 € | 10 491 € | 604 € | 1 284 566 € | 34 354 € | |
% of loan principle collected | 75,37 % | 58,81 % | 76,17 % | 62,24 % | 11,50 % | 2,81 % | 1,14 % | 53,50 % | 6,44 % | |
Remaining unpaid principal | 43 450 € | 90 817 € | 23 747 € | 53 661 € | 301 743 € | 363 037 € | 52 607 € | 1 116 673 € | 499 100 € | |
Actual default rate (including collections) | 1,39 % | 2,92 % | 0,51 % | 0,88 % | 2,88 % | 3,26 % | 0,57 % | 1,99 % | 1,55 % |
* 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.)
|
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.