{"id":16309,"date":"2018-08-21T16:53:20","date_gmt":"2018-08-21T13:53:20","guid":{"rendered":"https:\/\/www.bondora.com\/blog\/?p=16309"},"modified":"2018-08-21T16:53:20","modified_gmt":"2018-08-21T13:53:20","slug":"our-p2p-lending-updated-portfolio-data-august-2018","status":"publish","type":"post","link":"https:\/\/goandgrow.eu\/en\/blog\/our-p2p-lending-updated-portfolio-data-august-2018\/","title":{"rendered":"Our P2P lending updated portfolio data \u2013 Read here for more info"},"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 14.54%, 0.81% above the target return.<\/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 \u2013 ranging from AA \u2013 E. Data from Q1 of 2018 shows the same, other than F rated loans.<\/li>\n<li>Q1 of 2018 was the first quarter that saw more than 200 PCS issued in E credit ratings in Finland.<\/li>\n<li>The best performing year overall was in 2010 at 29.84% actual net return.<\/li>\n<li>Q1 of 2018 was the first quarter that saw less than 50 PCS issued HR rated loans in Finland since Q3 of 2016.<\/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 29.84%. Whilst 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\/p2p-lending\" target=\"_blank\" rel=\"noopener\">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-16311\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/portfolio-performance-yearly-august-2018-en.png\" alt=\"portfolio-performance-yearly-august-2018-en\" width=\"649\" height=\"377\" \/><\/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 12.56%, slightly below the target average of 14.51%.<\/li>\n<li>The best performing quarter in 2015 was Q4 at 11.79%, in 2016 this was Q1 at 14.54%.<\/li>\n<\/ul>\n<p align=\"center\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-16313\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/portfolio-performance-quarterly-august-2018-en.png\" alt=\"portfolio-performance-quarterly-august-2018-en\" width=\"335\" height=\"362\" \/><\/p>\n<h2>Estonia<\/h2>\n<ul>\n<li>Q1 of 2018 was the 6th consecutive quarter where no HR loans were issued and the first since Q3 of 2017 where F rated loans were issued.<\/li>\n<li>For data over 12 months old, the best performing quarter is Q3 of 2015 (17.08%), 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 Q1 of 2018 at \u20ac6,179,959 and 3,411 PCS.<\/li>\n<\/ul>\n<p align=\"center\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-16315\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/portfolio-performance-EE-august-2018-en.png\" alt=\"portfolio-performance-EE-august-2018-en\" width=\"742\" height=\"662\" \/><\/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 Q1 of 2018 this was seen in E &amp; F ratings.<\/li>\n<li>The highest total actual net return across the board (over 12 months old) was in Q1 of 2016 at 12.73%.<\/li>\n<li>The actual net return figure for Q4 of 2016 B rated loans shows a rate of -51.57%, however the data is significantly skewed due to less than 5 loans being issued.<\/li>\n<li>In Q1 of 2018, the highest number of loans issued were in F rated loans (352).<\/li>\n<\/ul>\n<p align=\"center\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-16317\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/portfolio-performance-FI-august-2018-en.png\" alt=\"portfolio-performance-FI-august-2018-en\" width=\"800\" height=\"667\" \/><\/p>\n<h2>Spain<\/h2>\n<ul>\n<li>Q1 of 2018 saw nearly 50% less HR loan PCS issued compared to Q4 of 2017 and approximately 80% less than Q3 of 2017.<\/li>\n<li>The highest total actual return figure over 12 months old was seen in Q1 of 2016 at 21.32%.<\/li>\n<li>The highest number of loans were issued in Spain in Q3 of 2017 at 1,955 PCS and \u20ac1,409,944, this figure was only 591 PCS and \u20ac734,537 in Q1 of 2018.<\/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-16319\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/portfolio-performance-ES-august-2018-en.png\" alt=\"portfolio-performance-ES-august-2018-en\" width=\"597\" height=\"665\" \/><\/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-16309","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\/16309","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=16309"}],"version-history":[{"count":0,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/posts\/16309\/revisions"}],"wp:attachment":[{"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/media?parent=16309"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/categories?post=16309"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/tags?post=16309"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}