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 € | 11 591 505 € | 58 534 226 € | 33 948 652 € | |
| Interest charges | 526 578 € | 536 406 € | 491 359 € | 646 618 € | 1 194 285 € | 1 857 542 € | 2 281 891 € | 9 158 902 € | 4 590 735 € | |
| Interest rate | 8,27 % | 9,01 % | 8,90 % | 8,77 % | 8,88 % | 8,97 % | 9,09 % | 9,26 % | 8,90 % | |
| Interest rate (excluding CashFree loans) | 9,38 % | 9,45 % | 9,45 % | 9,12 % | 9,08 % | 9,33 % | 9,53 % | 9,88 % | 9,15 % | |
| Repayments** | ||||||||||
| Loan principal (excluding collections) | 2 906 821 € | 2 822 366 € | 4 506 918 € | 5 812 157 € | 8 181 301 € | 6 632 809 € | 3 186 287 € | 41 129 984 € | 21 010 639 € | |
| Interest and Fees (excluding collections) | 482 414 € | 472 920 € | 452 504 € | 589 050 € | 864 920 € | 872 392 € | 369 073 € | 5 440 025 € | 1 688 333 € | |
| Total (including legal collections) | 3 522 489 € | 3 430 426 € | 5 036 664 € | 6 495 874 € | 9 087 609 € | 7 520 515 € | 3 556 085 € | 47 879 085 € | 22 737 051 € | |
| Defaults and Collections | ||||||||||
| Unpaid loan principle*** | 176 393 € | 220 468 € | 99 247 € | 153 825 € | 350 370 € | 389 306 € | 95 115 € | 2 479 650 € | 504 536 € | |
| Amount collected | 133 255 € | 135 139 € | 77 242 € | 94 667 € | 41 389 € | 15 313 € | 724 € | 1 309 075 € | 38 078 € | |
| % of loan principle collected | 75,54 % | 61,30 % | 77,83 % | 61,54 % | 11,81 % | 3,93 % | 0,76 % | 52,79 % | 7,55 % | |
| Remaining unpaid principal | 43 138 € | 85 328 € | 22 005 € | 59 158 € | 308 981 € | 373 993 € | 94 390 € | 1 170 575 € | 466 457 € | |
| Actual default rate (including collections) | 1,38 % | 2,75 % | 0,47 % | 0,97 % | 2,95 % | 3,36 % | 0,81 % | 2,00 % | 1,37 % |
* 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.
