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 € | 11 596 098 € | 59 407 883 € | 34 614 102 € | |
Interest charges | 526 578 € | 536 406 € | 491 359 € | 646 361 € | 1 190 471 € | 1 852 532 € | 2 270 903 € | 9 290 246 € | 4 652 969 € | |
Interest rate | 8,27 % | 9,01 % | 8,90 % | 8,77 % | 8,88 % | 8,97 % | 9,09 % | 9,25 % | 8,88 % | |
Interest rate (excluding CashFree loans) | 9,38 % | 9,45 % | 9,45 % | 9,12 % | 9,08 % | 9,33 % | 9,53 % | 9,87 % | 9,13 % | |
Repayments** | ||||||||||
Loan principal (excluding collections) | 2 906 821 € | 2 822 366 € | 4 509 216 € | 5 821 290 € | 8 245 831 € | 6 688 359 € | 3 648 717 € | 41 730 680 € | 21 501 113 € | |
Interest and Fees (excluding collections) | 482 414 € | 472 920 € | 452 628 € | 589 352 € | 874 400 € | 901 489 € | 432 009 € | 5 542 763 € | 1 746 254 € | |
Total (including legal collections) | 3 522 661 € | 3 430 898 € | 5 040 505 € | 6 507 388 € | 9 162 640 € | 7 606 315 € | 4 081 475 € | 48 589 898 € | 23 284 763 € | |
Defaults and Collections | ||||||||||
Unpaid loan principle*** | 176 393 € | 220 468 € | 98 248 € | 154 633 € | 398 836 € | 438 459 € | 132 016 € | 2 613 988 € | 550 184 € | |
Amount collected | 133 427 € | 135 612 € | 78 661 € | 96 746 € | 42 409 € | 16 467 € | 749 € | 1 316 456 € | 37 397 € | |
% of loan principle collected | 75,64 % | 61,51 % | 80,06 % | 62,56 % | 10,63 % | 3,76 % | 0,57 % | 50,36 % | 6,80 % | |
Remaining unpaid principal | 42 965 € | 84 856 € | 19 587 € | 57 887 € | 356 427 € | 421 992 € | 131 267 € | 1 297 532 € | 512 787 € | |
Actual default rate (including collections) | 1,38 % | 2,73 % | 0,42 % | 0,95 % | 3,40 % | 3,79 % | 1,13 % | 2,18 % | 1,48 % |
* 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.