Our Statistics

Empowering Financial Inclusion: Unveiling the Numbers Behind Our Community-Powered Lending Success

Traction

The charts highlight Lendo's steady growth in loans provided and repaid from 2020 to 2023, underscoring our commitment to empowering SMEs and facilitating rewarding opportunities for investors.

Traction by amount

Chart shows loan amounts and repayments annually.
Note: the gap in 2023, includes outstanding amounts.

Traction by Number of Loans

Chart shows the number of loans issued and repaid annually.
Note: The 2023 discrepancy includes outstanding amounts.

Book Profile

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Average Loan Size

The chart showcases the annual average loan amounts for the years 2020 through 2023.

Risk Band Distribution

The chart displays the yearly distribution percentages for risk categories A, B, C, and D from 2020 to 2023.

Geographic Distribution of Customers

Geographical breakdown of investors.

Sector Distribution of Customers

Industry-wise loan dispersion

Investors Returns

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Annualized Investor Returns

by Cohort of Origination
Target Investor Returns = Loan Interest Rate less Lendo success fee (at 20%) less Target Loss Rate (at 2%). Eg, if the Gross Interest Rates in 2020 was 12.2%. So Target Investor Returns in 2020 is 12.2 % - (98% * 20% * 12.2% ) - ( 2 % ) = 12.2% - 2.44% - 2% = 7.8%

Annualized Gross Investor Returns

by Risk Band
Average interest rates categorized by risk levels

Risk

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Performance of our Matured Loans

by SR Value
xxxxx

xxxx

Band
Target
Actual
A
0.1%
0.0%
B
0.7%
0.0%
C
2.1%
3.2%
D
3.3%
0.0%
Book
2.0%
0.9%
xxxx

xxx

Status
Early
On Time
30+
60+
90+
Lagged Rates
11.1%
80.1%
2.0%
1.2%
0.9%
xxxx

Fully Matured Loans

Cohort
Originated
Outstanding current
Fully matured loans
Early
On Time
15-30 dpd
30-60 dpd
60-90 dpd
90+ dpd
2020
43.7
0.0
43.7
11.3
32.4
0.0
0.0
0.0
0.0
2021
158.7
0.0
158.7
2.0
156.7
7.4
1.6
1.1
0.0
2022
300.2
0.0
300.2
44.9
219.8
28.2
4.3
1.0
2.0
2023
575.1
276.2
283.1
29.3
230.4
17.3
0.4
0.6
4.8
Total
1,077.7
276.2
785.7
57.5
629.2
52.8
6.3
2.8
6.8
All figures are in millions SAR
Cohort
2020
Originated
43.7
Outstanding Current
0.0
Fully Matured Loans
43.7
Early
11.3
On Time
32.4
15-30 dpd
0.0
30-60 dpd
0.0
60-90 dpd
0.0
90+ dpd
0.0
Cohort
2021
Originated
158.7
Outstanding Current
0.0
Fully Matured Loans
158.7
Early
2.0
On Time
146.7
15-30 dpd
7.4
30-60 dpd
1.6
60-90 dpd
1.1
90+ dpd
0.0
Cohort
2022
Originated
300.2
Outstanding Current
0.0
Fully Matured Loans
300.2
Early
44.8
On Time
218.8
15-30 dpd
28.2
30-60 dpd
4.3
60-90 dpd
1.0
90+ dpd
2.0
Cohort
2023
Originated
575.1
Outstanding Current
276.2
Fully Matured Loans
283.1
Early
28.3
On Time
230.4
15-30 dpd
17.3
30-60 dpd
0.4
60-90 dpd
0.6
90+ dpd
4.8
Cohort
Total
Originated
1,077.7
Outstanding Current
276.2
Fully Matured Loans
785.7
Early
87.5
On Time
629.2
15-30 dpd
52.8
30-60 dpd
6.3
60-90 dpd
2.8
90+ dpd
6.8

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