Experience (XP) & Drop Penalties in Path of Exile

Player level :

Area level ( Map) :

XP Penalty :
Loot* Penalty :

*Only "currency items" (orbs, scrolls, etc.) and Divination cards are concerned.
Updated with the latest changes (3.1 & this). No changes in 3.25.
French version - By @Harest (PoE characters)