|Indicators||Date of project financing|
|General indicators||2016||2017||2018||Depuis le 01/01/2016|
|Amount lent||A||2 460 000€||7 908 000€||23 134 000€||33 502 000€|
|Number of funded projects||B||9||22||50||81|
|Average amount borrowed||C||273 333€||359 455€||462 680€||413 605€|
|Average annual interest rate of borrowing||D||9,33%||9,27%||9,21%||9,24%|
|Average initial loan duration (months)||E||12,4||17,5||18,5||17,6|
|Average age of loans (months)||F||28||14||5||7|
|Repayed capital||G||2 460 000€||2 502 000€||0€||4 962 000€|
|Share of repaid capital||H||100%||32%||0%||15%|
|Shared interests||I||303 507€||275 666€||0€||579 173€|
|Share of interests received||J||100%||24%||0%||12%|
H: This indicator represents the share of borrowed capital that has already been repaid. The older the loans, the higher the portion already repaid.
J: This indicator represents the portion of the interest due that has already been paid. The older the loans, the higher the share already paid.
|Performance indicators||2016||2017||2018||Depuis le 01/01/2016|
|Internal rate of return (net of risk)||K||9,33%||9,27%||9,21%||9,24%|
|Maximum internal rate of return possible||L||9,33%||9,27%||9,21%||9,24%|
|Annual cost of risk noted||M||0,00%||0,00%||0,00%||0,00%|
K: The net internal rate of return represents the annual profitability of the loans, less known or proven losses at the date of calculation.
L: The maximum possible internal rate of return represents the annualized yield of loans if all loans were repaid in accordance with the original schedule.
M: the annual cost of risk represents the decrease in profitability caused by delays and payment defaults compared to the maximum possible rate of return. This is the difference between L and K.
|Incident indicators||2016||2017||2018||Depuis le 01/01/2016|
|Capital late payment||N||0€||0€||0€||0€|
|Late payment rate||O||0,00%||0,00%||0,00%||0,00%|
|Capital in default||P||0€||0€||0€||0€|
|Refund default rate||Q||0,00%||0,00%||0,00%||0,00%|
N: the late capital is the sum of the principal of the maturities in arrears for less than 180 days, net of recoveries.
O: the delay rate represents the share of late payments due less than 180 days in relation to the borrowed capital. It is calculated as follows: - by volume: N / A, - by number: number of projects with a delay / B.
P: the capital in default is the sum of the capital whose repayment will never or probably not be made. It is calculated in the following way: sum of the capital of the late payment maturities of more than 180 days + sum of the late payment capital and the outstanding capital of a company in collective procedure or having been the subject a lapse in the contractual term, net of recoveries.
Q: the default rate represents the share of capital whose repayment will never or probably not be made in relation to the borrowed capital. It is calculated as follows: - by volume: P / A, - by number: number of projects in default / B.