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
| 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 € | 10 390 095 € | 68 923 386 € | 27 266 591 € | |
| Interest charges | 550 469 € | 561 139 € | 730 705 € | 1 504 934 € | 2 089 122 € | 2 146 882 € | 1 739 293 € | 12 136 732 € | 4 655 240 € | |
| Interest rate | 9,01 % | 8,90 % | 8,77 % | 8,88 % | 8,97 % | 9,09 % | 8,94 % | 9,21 % | 8,95 % | |
| Interest rate (excluding CashFree loans) | 9,45 % | 9,45 % | 9,12 % | 9,08 % | 9,33 % | 9,53 % | 9,14 % | 9,76 % | 9,24 % | |
| Repayments** | ||||||||||
| Loan principal (excluding collections) | 2 822 366 € | 4 518 760 € | 5 873 679 € | 9 461 912 € | 7 321 420 € | 6 488 009 € | 2 877 468 € | 49 346 541 € | 13 868 781 € | |
| Interest and Fees (excluding collections) | 472 920 € | 453 282 € | 592 167 € | 948 491 € | 1 134 980 € | 862 080 € | 293 840 € | 6 576 607 € | 1 514 754 € | |
| Total (including legal collections) | 3 441 234 € | 5 057 400 € | 6 581 958 € | 10 499 721 € | 8 541 711 € | 7 369 109 € | 3 171 308 € | 57 422 861 € | 15 427 848 € | |
| Defaults and Collections | ||||||||||
| Unpaid loan principle*** | 220 468 € | 98 248 € | 154 863 € | 410 572 € | 497 846 € | 389 125 € | 24 124 € | 2 966 605 € | 474 712 € | |
| Amount collected | 145 947 € | 85 358 € | 116 112 € | 89 319 € | 85 310 € | 19 021 € | 0 € | 1 499 713 € | 44 313 € | |
| % of loan principle collected | 66,20 % | 86,88 % | 74,98 % | 21,75 % | 17,14 % | 4,89 % | 0,00 % | 50,55 % | 9,33 % | |
| Remaining unpaid principal | 74 520 € | 12 891 € | 38 751 € | 321 253 € | 412 535 € | 370 104 € | 24 124 € | 1 466 892 € | 430 399 € | |
| Actual default rate (including collections) | 2,40 % | 0,28 % | 0,64 % | 3,07 % | 3,70 % | 3,19 % | 0,23 % | 2,13 % | 1,58 % |
* 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.)
|
|
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.
