A drop in interest does not explain its cause alone
There were no contributions or withdrawals to the bank. That excludes those external movements within the month, but there are other possible differences to be reviewed: maturities, payment dates, distribution of capital and delays. The aggregate summary does not identify which explains the decrease.
The fees changed little: they were 5.54 €, compared to 5.56 € the previous month. After the costs shown remained 180.23 €. In this case, looking only at the fee would not explain the decrease of the revenues. The comparison needs to follow the payments and the composition of the investment separately.
Figures for the period
| Item | Amount |
|---|---|
| Contributions from outside Mintos | 0.00 € |
| Withdrawals to the bank | 0.00 € |
| Interest received | 195.50 € |
| fees shown | 5.54 € |
| Tax withholdings | 9.73 € |
| Interest after shown costs | 180.23 € |
| Principal repaid | 2,936.31 € |
| Opening cash | 51.53 € |
| Closing cash | 55.29 € |
Interest less fees and withholdings is not the portfolio’s total return. The definitions and their limits are set out in how I read the results.
View all statement categories
| Mint Category | Amount |
|---|---|
| Investment | -3,049.90 € |
| Capital received | 929.05 € |
| Interest received | 168.25 € |
| Committees in arrears received | 0.02 € |
| Secondary Market Operation | -62.89 € |
| Income from principal received from the repurchase of the loan | 2,007.26 € |
| Income from interest received on the repurchase of the loan | 26.51 € |
| Interest income from late payments | 0.74 € |
| withholding of taxes | -9.73 € |
| Commission by loan portfolios | -5.54 € |
The period and sources
Mintos transaction statement, from 2025-07-01 to 2025-07-31, reviewed on . The period covers a full calendar month. This is a retrospective record of my account, written from the statement.
Categories are rounded separately, so their sum may show a small difference. The shared method is set out in sources and methodology.