Statistics | CAPITALIA

Net return

Net investment return is interest and loan penalties earned, after deducting losses from defaulted loans and provisions for doubtful loans. Restructured loans carry provisions of 10% which in most cases does not turn out to be an actual loss and the return improves once such loan is repaid. Interest rate ranges from 6% annually on the safest loans covered by EIF guarantee and Capitalia buyback obligation up to 18% for the most risky projects. The average project interest rate is 12.23% and the annual loan loss rate is 0.92%. The return fluctuates based on the overall economic conditions, however, overall is very stable.

Preliminary data, based on 8 longest investing investors returns who have invested in 200 projects or more since 2017.

How it compares

Growth of an EUR 1,000 investment in loans to Baltic businesses would ensure a stable savings growth over the last six year period. This return compares very favorably with returns of investment to any other general investment categories in the eurozone.

Cumulative By year

Source: Capitalia Net Returns, iShares Core MSCI World UCITS ETF, iShares Global High Yield Corp Bond, iShares Developed Markets Property Yield UCITS ETF, iShares iBoxx $ Investment Grade Corporate Bond ETF, JPM Eur Money Market VNAD D Eur

Asset class	2019	2020	2021	2022	2023
Capitalia	10.14%	11.23%	13.62%	8.63%	10.42%
Equity	27.80%	15.90%	21.90%	-18.00%	23.90%
Real estate	22.00%	-9.50%	25.20%	-24.30%	9.90%
Investment-grade bonds	17.13%	-11.14%	-1.57%	-18.01%	9.27%
High-yield bonds	11.90%	7.10%	0.50%	-12.50%	13.40%
Deposits	-0.52%	-0.59%	-0.69%	-0.15%	2.66%

Important note

Past performance does not guarantee future results. Any historical returns or defaults may not reflect actual future performance. All investments involve risk and may result in significant losses. Read more on the Risk management section and take a look at our statistics below.

Funded projects

Sum of financed projects by months

By amount, EUR By number

Portfolio quality

Distribution of the portfolio by risk and late days

By amount, EUR By number

	A+	A	B	C	D	Total
Issued	€ 13,185,617	€ 11,284,912	€ 33,146,401	€ 15,075,466	€ 1,926,728	€ 74,619,124
Repaid	€ 11,787,703	€ 8,514,369	€ 23,730,475	€ 12,550,386	€ 1,251,723	€ 57,834,656
Active	€ 1,136,850	€ 1,784,641	€ 7,079,169	€ 2,037,102	€ 676,004	€ 12,713,767
1-30 days	€ 139,901	€ 731,032	€ 1,305,209	€ 195,037	€ 0	€ 2,371,178
31-60 days	€ 91,251	€ 0	€ 179,320	€ 168,544	€ 0	€ 439,114
61-90 days	€ 29,914	€ 0	€ 408,194	€ 68,672	€ 0	€ 506,780
91-180 days	€ 0	€ 149,410	€ 58,945	€ 35,207	€ -1,000	€ 242,562
181-360 days	€ 0	€ 105,460	€ 77,472	€ 13,750	€ 0	€ 196,683
Over 361 days	€ 0	€ 0	€ 307,616	€ 6,767	€ 0	€ 314,384

	A+	A	B	C	D	Total
Issued	506	73	223	186	21	1,009
Repaid	374	58	139	131	16	718
Active	104	9	66	39	5	223
1-30 days	14	4	11	7	0	36
31-60 days	9	0	1	4	0	14
61-90 days	5	0	2	2	0	9
91-180 days	0	1	1	1	0	3
181-360 days	0	1	1	1	0	3
Over 361 days	0	0	2	1	0	3

Last updated 04.05.2024

	A+	A	B	C	D	Total
Weighted average interest rate	8.61%	11.66%	12.37%	13.69%	15.33%	12.33%
Loan loss rate	0.00%	0.72%	2.17%	0.27%	0.00%	1.18%
Write off rate	0.00%	0.00%	0.08%	0.15%	0.00%	0.07%

Last updated 22.02.2024

Loan loss rate calculations are made on the latest recovery estimates. Losses from written off loans and provisions of doubtful loans are summed and divided by the total loans issued. Write off rate shows loans deemed unrecoverable divided by the total loans issued.

The regulatory Default Rate Disclosure Information is available here View

Investors

938 Number of registered investors
5 Average number of investors per project
3,780 € Average investment per investor
12.33% Average
interest rate