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
| 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 € | 12 549 537 € | 71 084 102 € | 24 758 145 € | |
| Interest charges | 550 469 € | 561 139 € | 730 700 € | 1 505 130 € | 2 090 004 € | 2 147 483 € | 2 084 433 € | 12 483 319 € | 4 306 206 € | |
| Interest rate | 9,01 % | 8,90 % | 8,77 % | 8,88 % | 8,97 % | 9,09 % | 8,90 % | 9,20 % | 8,99 % | |
| Interest rate (excluding CashFree loans) | 9,45 % | 9,45 % | 9,12 % | 9,08 % | 9,33 % | 9,53 % | 9,11 % | 9,74 % | 9,30 % | |
| Repayments** | ||||||||||
| Loan principal (excluding collections) | 2 813 807 € | 4 520 974 € | 5 883 151 € | 9 585 864 € | 7 437 962 € | 6 791 296 € | 4 082 526 € | 51 304 489 € | 11 486 637 € | |
| Interest and Fees (excluding collections) | 465 564 € | 455 041 € | 597 409 € | 967 154 € | 1 181 994 € | 930 392 € | 412 580 € | 6 927 227 € | 1 377 792 € | |
| Total (including legal collections) | 3 426 124 € | 5 061 985 € | 6 601 980 € | 10 647 749 € | 8 711 442 € | 7 748 310 € | 4 495 110 € | 59 761 323 € | 12 891 055 € | |
| Defaults and Collections | ||||||||||
| Unpaid loan principle*** | 224 526 € | 88 654 € | 134 249 € | 375 716 € | 489 443 € | 442 395 € | 58 440 € | 2 669 915 € | 500 835 € | |
| Amount collected | 146 752 € | 85 970 € | 121 419 € | 94 730 € | 91 486 € | 26 622 € | 4 € | 1 529 607 € | 26 626 € | |
| % of loan principle collected | 65,36 % | 96,97 % | 90,44 % | 25,21 % | 18,69 % | 6,02 % | 0,01 % | 57,29 % | 5,32 % | |
| Remaining unpaid principal | 77 774 € | 2 683 € | 12 829 € | 280 985 € | 397 957 € | 415 773 € | 58 436 € | 1 140 309 € | 474 209 € | |
| Actual default rate (including collections) | 2,50 % | 0,06 % | 0,21 % | 2,68 % | 3,57 % | 3,59 % | 0,47 % | 1,60 % | 1,92 % |
* 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.
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.
