{"id":13949,"date":"2018-05-23T20:45:47","date_gmt":"2018-05-23T17:45:47","guid":{"rendered":"https:\/\/www.bondora.com\/blog\/?p=13949"},"modified":"2018-05-23T20:45:47","modified_gmt":"2018-05-23T17:45:47","slug":"check-out-the-performance-of-our-loan-portfolio-here","status":"publish","type":"post","link":"https:\/\/goandgrow.eu\/en\/blog\/check-out-the-performance-of-our-loan-portfolio-here\/","title":{"rendered":"Check out the performance of our loan portfolio here"},"content":{"rendered":"<p align=\"left\">Welcome to another data blog post from Bondora, below we take a look in to the actual and targeted net returns from investments by country, year and quarter. It\u2019s important to note that the most recent quarter will nearly always show a higher return as the loans have only recently been issued and at this point the interest element accounts for a high percentage of the total payment, this is why we discuss data that is specifically over 12 months old below.<\/p>\n<p align=\"left\">We have marked the figures with three different colors, firstly light orange to represent 50 or less loans issued, light blue for 51 \u2013 200 and white for 201+. This is a great way to spot anomalies, such as high volatility in low risk ratings.<\/p>\n<h2>Key takeaways<\/h2>\n<ul>\n<li>Across all countries, the best performing quarter so far was seen in Q1 of 2016 at 15.32%, 1.59% above the target.<\/li>\n<li>C rated loans in Estonia are the only credit grading which have been issued over 200+ PCS each consecutive quarter since 2015. In Spain, the same is true for HR rated loans except for Q2 of 2015.<\/li>\n<li>In Q4 of 2017, all credit ratings issued in Estonia had over 200 PCS.<\/li>\n<li>Q3 of 2017 was the first quarter that saw more than 200 PCS issued in AA and A credit ratings in Estonia. This followed suit in Q4 of 2017.<\/li>\n<li>The best performing year overall was in 2010 at 29.76% actual net return.<\/li>\n<li>Q3 of 2017 was the first quarter that saw more than 200 PCS issued in F and HR rated loans in Finland, in Q4 this was only F rated loans.<\/li>\n<\/ul>\n<h2>Actual and targeted net returns across the board by year<\/h2>\n<p align=\"left\">Across all countries and risk ratings, the highest actual net return was seen in 2010 at 29.76%. While this is significantly higher than the most recent figures, it\u2019s important to note that this is from a much smaller sample of loans (1,126 to be exact). Compared to the most recent year, a total of 17,933 loans were issued in 2017.<\/p>\n<p align=\"left\">As mentioned in previous posts, the most recent data will nearly always show a high return as the loans have only recently been issued and at this point the interest element accounts for a high percentage of the total payment. Older data, for example 2009 \u2013 2013, have the highest return as loans from this period may still receive a cash flow from recovery payments. This reinforces how you can <a href=\"https:\/\/www.goandgrow.eu\/en\/peer-to-peer-lending\">maximize your absolute return in P2P<\/a> by taking a long term view with your investments.<\/p>\n<p align=\"center\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-13953\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/portfolio-performance-yearly-may-2018-en.png\" alt=\"portfolio-performance-yearly-may-2018-en\" width=\"605\" height=\"344\" \/><\/p>\n<h2>Actual and targeted net returns across the board per quarter<\/h2>\n<ul>\n<li>Overall, the average actual net return across all quarters comes in at 13.00%, slightly below the target average of 14.65%.<\/li>\n<li>The best performing quarter in 2015 was Q4 at 12.56%, in 2016 this was Q1 at 15.32%.<\/li>\n<\/ul>\n<p align=\"center\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-13955\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/portfolio-performance-quarterly-may-2018-en.png\" alt=\"portfolio-performance-quarterly-may-2018-en\" width=\"289\" height=\"356\" \/><\/p>\n<h2>Estonia<\/h2>\n<ul>\n<li>Q4 of 2017 was the first quarter where no F rated loans were issued, and the 5th consecutive quarter where no HR loans were issued.<\/li>\n<li>For data over 12 months old, the best performing quarter is Q3 of 2015, this quarter saw over 200 PCS issued in C rated loans only.<\/li>\n<li>The highest number of PCS issued in Estonia was in Q4 of 2017 at 3,600, however the highest amount was in Q2 of 2017 at \u20ac6,091,449 and 2,524 PCS.<\/li>\n<\/ul>\n<p align=\"center\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-13957\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/portfolio-performance-EE-may-2018-en.png\" alt=\"portfolio-performance-EE-may-2018-en\" width=\"721\" height=\"632\" \/><\/p>\n<h2>Finland<\/h2>\n<ul>\n<li>Only a small percentage of Finnish loans issued total over 200 PCS per credit grading, most recently in Q3 of 2017 this was seen in F and HR ratings.<\/li>\n<li>The highest total actual net return across the board (over 12 months old) was in Q1 of 2016 at 13.78%.<\/li>\n<li>The actual net return figure for Q4 of 2016 B rated loans shows a rate of -50.09%, however the data is significantly skewed due to less than 5 loans being issued.<\/li>\n<li>In Q4 of 2017, the highest number of loans issued were in F rated loans.<\/li>\n<\/ul>\n<p align=\"center\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-13959\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/portfolio-performance-FI-may-2018-en.png\" alt=\"portfolio-performance-FI-may-2018-en\" width=\"681\" height=\"631\" \/><\/p>\n<h2>Spain<\/h2>\n<ul>\n<li>Q3 of 2017 saw the highest number of HR loan PCS issued in Spain.<\/li>\n<li>The highest total actual return figure over 12 months old was seen in Q1 of 2016 at 22.32%.<\/li>\n<li>The highest number of loans were issued in Spain in 2017 at 4,174 PCS and \u20ac4,769,825, this figure was only 61 PCS and \u20ac266,400 in 2013.<\/li>\n<li>Volatility is expected in credit ratings with a higher expected default rate, which is why we always encourage a diversified portfolio of investments.<\/li>\n<\/ul>\n<p align=\"center\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-13961\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/portfolio-performance-ES-may-2018-en.png\" alt=\"portfolio-performance-ES-may-2018-en\" width=\"593\" height=\"625\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Welcome to another data blog post from Bondora, below we take a look in to the actual and targeted net returns from investments by country, year and quarter. It\u2019s important to note that the most recent quarter will nearly always show a higher return as the loans have only recently been issued and at this [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[120],"tags":[],"class_list":["post-13949","post","type-post","status-publish","format-standard","hentry","category-stats-and-data"],"acf":[],"featured_image":null,"categories_names":["Stats &amp; Data"],"category_name":"Stats &amp; Data","_links":{"self":[{"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/posts\/13949","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/comments?post=13949"}],"version-history":[{"count":0,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/posts\/13949\/revisions"}],"wp:attachment":[{"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/media?parent=13949"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/categories?post=13949"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/tags?post=13949"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}