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
| 2017 | 2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
Total |
Current* |
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|---|---|---|---|---|---|---|---|---|---|---|
| Returns | ||||||||||
| Loan amount | 2 806 436 € | 3 119 729 € | 3 107 577 € | 4 649 040 € | 6 077 862 € | 10 476 149 € | 11 143 808 € | 49 577 551 € | 27 653 769 € | |
| Interest charges | 568 080 € | 526 578 € | 536 408 € | 491 408 € | 650 849 € | 1 242 759 € | 2 012 778 € | 7 554 620 € | 3 766 044 € | |
| Interest rate | 9,82 % | 8,27 % | 9,01 % | 8,90 % | 8,77 % | 8,88 % | 8,97 % | 9,28 % | 8,92 % | |
| Interest rate (excluding CashFree loans) | 11,92 % | 9,38 % | 9,45 % | 9,45 % | 9,12 % | 9,08 % | 9,33 % | 9,92 % | 9,11 % | |
| Repayments** | ||||||||||
| Loan principal (excluding collections) | 2 428 166 € | 2 906 821 € | 2 812 794 € | 4 479 669 € | 4 866 424 € | 7 490 573 € | 4 731 768 € | 34 513 273 € | 16 283 340 € | |
| Interest and Fees (excluding collections) | 473 071 € | 482 414 € | 472 873 € | 449 016 € | 554 049 € | 717 113 € | 536 616 € | 4 570 512 € | 1 356 603 € | |
| Total (including legal collections) | 3 157 362 € | 3 516 945 € | 3 403 555 € | 4 988 692 € | 5 485 850 € | 8 222 167 € | 5 270 221 € | 40 256 675 € | 17 668 284 € | |
| Defaults and Collections | ||||||||||
| Unpaid loan principle*** | 291 306 € | 176 393 € | 221 025 € | 100 194 € | 134 939 € | 227 883 € | 221 095 € | 2 078 321 € | 427 658 € | |
| Amount collected | 256 125 € | 127 711 € | 117 888 € | 60 007 € | 65 377 € | 14 482 € | 1 837 € | 1 172 891 € | 28 341 € | |
| % of loan principle collected | 87,92 % | 72,40 % | 53,34 % | 59,89 % | 48,45 % | 6,35 % | 0,83 % | 56,43 % | 6,63 % | |
| Remaining unpaid principal | 35 181 € | 48 682 € | 103 137 € | 40 187 € | 69 562 € | 213 401 € | 219 257 € | 905 431 € | 399 317 € | |
| Actual default rate (including collections) | 1,25 % | 1,56 % | 3,32 % | 0,86 % | 1,14 % | 2,04 % | 1,97 % | 1,83 % | 1,44 % |
* 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.
