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* |
||
|---|---|---|---|---|---|---|---|---|---|---|
| Returns | ||||||||||
| Loan amount | 3 119 729 € | 3 107 577 € | 4 649 040 € | 6 077 862 € | 10 476 149 € | 11 143 808 € | 11 596 098 € | 61 306 829 € | 35 975 789 € | |
| Interest charges | 526 578 € | 536 406 € | 491 359 € | 645 330 € | 1 184 594 € | 1 826 636 € | 2 217 105 € | 9 532 359 € | 4 711 589 € | |
| Interest rate | 8,27 % | 9,01 % | 8,90 % | 8,77 % | 8,88 % | 8,97 % | 9,09 % | 9,24 % | 8,85 % | |
| Interest rate (excluding CashFree loans) | 9,38 % | 9,45 % | 9,45 % | 9,12 % | 9,08 % | 9,33 % | 9,53 % | 9,84 % | 9,10 % | |
| Repayments** | ||||||||||
| Loan principal (excluding collections) | 2 906 821 € | 2 822 366 € | 4 512 599 € | 5 847 098 € | 8 534 483 € | 6 856 051 € | 4 554 844 € | 43 284 980 € | 22 606 080 € | |
| Interest and Fees (excluding collections) | 482 414 € | 472 920 € | 452 886 € | 590 122 € | 897 795 € | 959 612 € | 549 205 € | 5 762 543 € | 1 850 696 € | |
| Total (including legal collections) | 3 523 177 € | 3 432 716 € | 5 045 451 € | 6 537 857 € | 9 478 142 € | 7 850 875 € | 5 104 930 € | 50 396 172 € | 24 497 950 € | |
| Defaults and Collections | ||||||||||
| Unpaid loan principle*** | 176 393 € | 220 468 € | 98 248 € | 155 279 € | 403 717 € | 444 086 € | 150 163 € | 2 643 302 € | 476 992 € | |
| Amount collected | 133 942 € | 137 429 € | 79 965 € | 100 637 € | 45 863 € | 35 212 € | 881 € | 1 348 650 € | 41 174 € | |
| % of loan principle collected | 75,93 % | 62,34 % | 81,39 % | 64,81 % | 11,36 % | 7,93 % | 0,59 % | 51,02 % | 8,63 % | |
| Remaining unpaid principal | 42 450 € | 83 038 € | 18 283 € | 54 641 € | 357 853 € | 408 874 € | 149 282 € | 1 294 653 € | 435 818 € | |
| Actual default rate (including collections) | 1,36 % | 2,67 % | 0,39 % | 0,90 % | 3,42 % | 3,67 % | 1,29 % | 2,11 % | 1,21 % |
* 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.
