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.
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.
A+ | A | B | C | D | Total | |
---|---|---|---|---|---|---|
Issued | € 13,513,131 | € 12,489,848 | € 34,477,938 | € 15,734,989 | € 2,025,691 | € 78,241,597 |
Repaid | € 12,132,797 | € 8,785,054 | € 24,794,964 | € 12,930,513 | € 1,713,855 | € 60,357,183 |
Active | € 1,086,681 | € 3,138,794 | € 8,028,338 | € 2,119,581 | € 249,031 | € 14,622,425 |
1-30 days | € 231,478 | € 0 | € 1,008,711 | € 465,168 | € 48,049 | € 1,753,407 |
31-60 days | € 48,595 | € 156,000 | € 204,000 | € 90,574 | € 0 | € 499,169 |
61-90 days | € 13,580 | € 155,130 | € 163,673 | € 54,395 | € 14,756 | € 401,533 |
91-180 days | € 0 | € 0 | € 0 | € 30,768 | € 0 | € 30,768 |
181-360 days | € 0 | € 254,870 | € 55,917 | € 23,473 | € 0 | € 334,260 |
Over 361 days | € 0 | € 0 | € 222,335 | € 20,518 | € 0 | € 242,853 |
A+ | A | B | C | D | Total | |
---|---|---|---|---|---|---|
Weighted average interest rate | 8.58% | 11.55% | 12.35% | 13.67% | 15.34% | 12.30% |
Loan loss rate | 0.00% | 0.72% | 2.17% | 0.27% | 0.00% | 1.18% |
Loan write-off rate | 0.00% | 0.00% | 0.08% | 0.15% | 0.00% | 0.07% |