{"id":195122,"date":"2016-06-28T18:56:26","date_gmt":"2016-06-28T15:56:26","guid":{"rendered":"https:\/\/www.bondora.com\/blog\/?p=3369"},"modified":"2016-06-28T18:56:26","modified_gmt":"2016-06-28T15:56:26","slug":"bondora-rating-profitable-since-inception","status":"publish","type":"post","link":"https:\/\/goandgrow.eu\/en\/blog\/bondora-rating-profitable-since-inception\/","title":{"rendered":"Bondora Rating profitable since inception"},"content":{"rendered":"<p>Here at Bondora we are committed to providing our investors the information they need for investing on our platform. We hope that this performance update helps to further understand the returns that you get from investing on Bondora.<\/p>\n<p><strong>KEY TAKEAWAYS<\/strong><\/p>\n<ul>\n<li>All countries have been profitable since introduction of Bondora Rating in January 2015<\/li>\n<li>Returns in Estonia have been steady, whilst returns in Finnish and Spanish loans have been continuously increasing and have\u00a0caught up with Estonia by now<\/li>\n<li>Most of our country-grade segments (other than B, C and D rating in Spain before 2nd generation of Bondora Rating) have produced returns in line or above the expected return<\/li>\n<\/ul>\n<h2>Actual and targeted Bondora net returns by grade and country<\/h2>\n<div class=\"responsive-table\">\n<table class=\"bondora-table small-text-table\" width=\"620\">\n<thead>\n<tr class=\"green-bg\">\n<th class=\"border-right\" colspan=\"2\"><img loading=\"lazy\" decoding=\"async\" class=\"country-flag alignnone\" src=\"https:\/\/i1.wp.com\/www.goandgrow.eu\/content\/img\/flags\/et.png?w=1024&amp;ssl=1\" alt=\"Actual and targeted Bondora net returns by grade and country - Estonia\" width=\"18\" height=\"18\" \/>Estonia<\/th>\n<th>AA<\/th>\n<th>A<\/th>\n<th>B<\/th>\n<th>C<\/th>\n<th>D<\/th>\n<th>E<\/th>\n<th>F<\/th>\n<th>HR<\/th>\n<th><b>ALL<\/b><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2015<br \/>\nQ1<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td>14,90%<\/td>\n<td>14,96%<\/td>\n<td>17,21%<\/td>\n<td>20,62%<\/td>\n<td>25,47%<\/td>\n<td>29,32%<\/td>\n<td>30,96%<\/td>\n<td>26,46%<\/td>\n<td>21,76%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td>12,98%<\/td>\n<td>13,82%<\/td>\n<td>14,30%<\/td>\n<td>15,74%<\/td>\n<td>18,51%<\/td>\n<td>20,34%<\/td>\n<td>23,14%<\/td>\n<td>23,46%<\/td>\n<td>16,88%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2015<br \/>\nQ2<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td>15,09%<\/td>\n<td>10,33%<\/td>\n<td>16,56%<\/td>\n<td>18,73%<\/td>\n<td>26,34%<\/td>\n<td>24,71%<\/td>\n<td>37,62%<\/td>\n<td>30,05%<\/td>\n<td>20,86%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td>13,11%<\/td>\n<td>13,83%<\/td>\n<td>14,26%<\/td>\n<td>15,96%<\/td>\n<td>18,47%<\/td>\n<td>20,49%<\/td>\n<td>23,06%<\/td>\n<td>23,62%<\/td>\n<td>16,81%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2015<br \/>\nQ3<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td>14,76%<\/td>\n<td>15,63%<\/td>\n<td>17,18%<\/td>\n<td>21,06%<\/td>\n<td>23,06%<\/td>\n<td>31,20%<\/td>\n<td>36,75%<\/td>\n<td>37,98%<\/td>\n<td>23,17%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td>13,09%<\/td>\n<td>13,84%<\/td>\n<td>14,27%<\/td>\n<td>15,85%<\/td>\n<td>18,39%<\/td>\n<td>20,32%<\/td>\n<td>23,15%<\/td>\n<td>23,85%<\/td>\n<td>17,21%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2015<br \/>\nQ4<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td>13,71%<\/td>\n<td>15,09%<\/td>\n<td>16,31%<\/td>\n<td>19,95%<\/td>\n<td>25,25%<\/td>\n<td>23,37%<\/td>\n<td>31,58%<\/td>\n<td>42,07%<\/td>\n<td>22,35%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td>12,20%<\/td>\n<td>13,17%<\/td>\n<td>13,81%<\/td>\n<td>15,50%<\/td>\n<td>17,59%<\/td>\n<td>18,41%<\/td>\n<td>21,29%<\/td>\n<td>20,83%<\/td>\n<td>16,65%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2016<br \/>\nQ1<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td>10,94%<\/td>\n<td>11,69%<\/td>\n<td>13,81%<\/td>\n<td>18,32%<\/td>\n<td>22,34%<\/td>\n<td>26,98%<\/td>\n<td>29,81%<\/td>\n<td>35,51%<\/td>\n<td>21,59%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td>10,62%<\/td>\n<td>11,32%<\/td>\n<td>12,09%<\/td>\n<td>14,38%<\/td>\n<td>16,18%<\/td>\n<td>17,51%<\/td>\n<td>18,28%<\/td>\n<td>17,96%<\/td>\n<td>15,48%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div class=\"responsive-table\">\n<table class=\"bondora-table small-text-table\" width=\"620\">\n<thead>\n<tr class=\"green-bg\">\n<th class=\"border-right quarter\" colspan=\"2\"><img loading=\"lazy\" decoding=\"async\" class=\"country-flag alignnone\" src=\"https:\/\/i1.wp.com\/www.goandgrow.eu\/content\/img\/flags\/es.png?w=1024&amp;ssl=1\" alt=\"Actual and targeted Bondora net returns by grade and country - Spain\" width=\"18\" height=\"18\" \/>Spain<\/th>\n<th>AA<\/th>\n<th>A<\/th>\n<th>B<\/th>\n<th>C<\/th>\n<th>D<\/th>\n<th>E<\/th>\n<th>F<\/th>\n<th>HR<\/th>\n<th><b>ALL<\/b><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2015<br \/>\nQ1<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td><\/td>\n<td><\/td>\n<td>2,06%<\/td>\n<td>-4,64%<\/td>\n<td>-3,10%<\/td>\n<td>11,80%<\/td>\n<td>19,92%<\/td>\n<td>18,48%<\/td>\n<td>13,85%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td><\/td>\n<td><\/td>\n<td>12,61%<\/td>\n<td>12,85%<\/td>\n<td>14,39%<\/td>\n<td>16,17%<\/td>\n<td>18,32%<\/td>\n<td>20,33%<\/td>\n<td>17,69%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2015<br \/>\nQ2<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td>-9,00%<\/td>\n<td>-6,41%<\/td>\n<td>12,15%<\/td>\n<td>22,91%<\/td>\n<td>20,39%<\/td>\n<td>14,28%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td><\/td>\n<td><\/td>\n<td>12,80%<\/td>\n<td>12,80%<\/td>\n<td>14,36%<\/td>\n<td>16,29%<\/td>\n<td>18,32%<\/td>\n<td>20,31%<\/td>\n<td>17,56%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2015<br \/>\nQ3<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td>17,41%<\/td>\n<td>-9,37%<\/td>\n<td>16,00%<\/td>\n<td>22,65%<\/td>\n<td>17,41%<\/td>\n<td>15,63%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td>13,01%<\/td>\n<td>14,74%<\/td>\n<td>16,20%<\/td>\n<td>18,32%<\/td>\n<td>20,31%<\/td>\n<td>17,56%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2015<br \/>\nQ4<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td>21,50%<\/td>\n<td>-9,37%<\/td>\n<td>15,27%<\/td>\n<td>24,23%<\/td>\n<td>18,81%<\/td>\n<td>16,51%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td>13,41%<\/td>\n<td>14,93%<\/td>\n<td>16,22%<\/td>\n<td>17,85%<\/td>\n<td>18,06%<\/td>\n<td>17,07%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2016<br \/>\nQ1<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td>28,01%<\/td>\n<td>30,46%<\/td>\n<td>27,69%<\/td>\n<td>28,19%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td>14,61%<\/td>\n<td>14,58%<\/td>\n<td>13,93%<\/td>\n<td>14,05%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div class=\"responsive-table\">\n<table class=\"bondora-table small-text-table\" width=\"620\">\n<thead>\n<tr class=\"green-bg\">\n<th class=\"border-right quarter\" colspan=\"2\"><img loading=\"lazy\" decoding=\"async\" class=\"country-flag alignnone\" src=\"https:\/\/i1.wp.com\/www.goandgrow.eu\/content\/img\/flags\/fi.png?w=1024&amp;ssl=1\" alt=\"Actual and targeted Bondora net returns by grade and country - Finland\" width=\"18\" height=\"18\" \/>Finland<\/th>\n<th>AA<\/th>\n<th>A<\/th>\n<th>B<\/th>\n<th>C<\/th>\n<th>D<\/th>\n<th>E<\/th>\n<th>F<\/th>\n<th>HR<\/th>\n<th><b>ALL<\/b><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2015<br \/>\nQ1<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td><\/td>\n<td><\/td>\n<td>12,46%<\/td>\n<td>12,02%<\/td>\n<td>14,54%<\/td>\n<td>18,42%<\/td>\n<td>25,33%<\/td>\n<td>38,06%<\/td>\n<td>15,71%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td><\/td>\n<td><\/td>\n<td>12,88%<\/td>\n<td>13,33%<\/td>\n<td>14,41%<\/td>\n<td>16,58%<\/td>\n<td>17,98%<\/td>\n<td>20,90%<\/td>\n<td>14,86%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2015<br \/>\nQ2<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td><\/td>\n<td><\/td>\n<td>8,53%<\/td>\n<td>14,66%<\/td>\n<td>16,36%<\/td>\n<td>14,35%<\/td>\n<td>13,22%<\/td>\n<td>20,42%<\/td>\n<td>14,80%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td><\/td>\n<td><\/td>\n<td>12,88%<\/td>\n<td>13,31%<\/td>\n<td>14,70%<\/td>\n<td>16,62%<\/td>\n<td>18,04%<\/td>\n<td>21,04%<\/td>\n<td>15,41%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2015<br \/>\nQ3<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td><\/td>\n<td><\/td>\n<td>12,24%<\/td>\n<td>13,85%<\/td>\n<td>17,53%<\/td>\n<td>19,88%<\/td>\n<td>13,83%<\/td>\n<td>29,39%<\/td>\n<td>17,62%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td><\/td>\n<td><\/td>\n<td>12,90%<\/td>\n<td>13,28%<\/td>\n<td>14,71%<\/td>\n<td>16,49%<\/td>\n<td>18,54%<\/td>\n<td>20,81%<\/td>\n<td>15,62%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2015<br \/>\nQ4<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td><\/td>\n<td><\/td>\n<td>1,64%<\/td>\n<td>12,46%<\/td>\n<td>19,57%<\/td>\n<td>18,93%<\/td>\n<td>14,85%<\/td>\n<td>20,94%<\/td>\n<td>17,27%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td><\/td>\n<td><\/td>\n<td>12,89%<\/td>\n<td>12,80%<\/td>\n<td>14,49%<\/td>\n<td>16,02%<\/td>\n<td>16,86%<\/td>\n<td>18,11%<\/td>\n<td>15,23%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2016<br \/>\nQ1<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td><\/td>\n<td><\/td>\n<td>13,59%<\/td>\n<td>15,27%<\/td>\n<td>19,43%<\/td>\n<td>24,82%<\/td>\n<td>25,09%<\/td>\n<td>14,49%<\/td>\n<td>21,39%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td><\/td>\n<td><\/td>\n<td>9,87%<\/td>\n<td>11,22%<\/td>\n<td>12,56%<\/td>\n<td>13,44%<\/td>\n<td>14,24%<\/td>\n<td>14,40%<\/td>\n<td>13,21%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><strong>Estonia<\/strong><\/p>\n<ul>\n<li>In Estonia the average net return has firmly\u00a0been between 20-24%.<\/li>\n<li>The actual return has exceeded targeted return by 4-6 percentage points.<\/li>\n<li>The Estonian loan portfolio has performed above target\u00a0return, except for 2015 Q2 when A grade performed below targeted level.<\/li>\n<li>We can see that the riskier the grade the higher the net return.<\/li>\n<li>We can conclude that Estonian loans are performing 97,5% above target return.<\/li>\n<\/ul>\n<p><strong>Spain<\/strong><\/p>\n<ul>\n<li>In Spain the average net return has been between 13-17%.<\/li>\n<li>C and D grades have performed negatively over some quarters.<\/li>\n<li>F grade has shown the best performance.<\/li>\n<\/ul>\n<p><strong>Finland<\/strong><\/p>\n<ul>\n<li>In Finland the average net return has been between 15-22%.<\/li>\n<li>The actual return has mostly outperformed targeted return, with the exception of 2015 Q2.<\/li>\n<li>We can see that the riskier the grade the higher the net return.<\/li>\n<li>The positive dynamics can be seen in 2016 Q1 when the actual return goes above 21%.<\/li>\n<\/ul>\n<h2>Actual and targeted Bondora net returns across portfolio per quarter<\/h2>\n<div class=\"responsive-table\">\n<table class=\"bondora-table small-text-table\" width=\"620\">\n<thead>\n<tr class=\"green-bg\">\n<th class=\"border-right\"><\/th>\n<th>2015-Q1<\/th>\n<th>2015-Q2<\/th>\n<th>2015-Q3<\/th>\n<th>2015-Q4<\/th>\n<th>2016-Q1<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td class=\"border-right\">Actual<\/td>\n<td>17.93%<\/td>\n<td>17.19%<\/td>\n<td>19.29%<\/td>\n<td>19.68%<\/td>\n<td>22.48%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td>16.34%<\/td>\n<td>16.31%<\/td>\n<td>16.63%<\/td>\n<td>16.28%<\/td>\n<td>14.66%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>The returns are growing steadily and beating target returns. We are more aggressive with our collection processes and continuously keep improving our credit underwriting model.<\/p>\n<h2>Actual and targeted Bondora net returns across previous 7 years<\/h2>\n<div class=\"responsive-table\">\n<table class=\"bondora-table small-text-table\" width=\"620\">\n<thead>\n<tr>\n<th><\/th>\n<th>2009<\/th>\n<th>2010<\/th>\n<th>2011<\/th>\n<th>2012<\/th>\n<th>2013<\/th>\n<th>2014<\/th>\n<th colspan=\"2\">2015<\/th>\n<\/tr>\n<tr class=\"green-bg\">\n<th class=\"border-right\">Country<\/th>\n<th>Actual<\/th>\n<th>Actual<\/th>\n<th>Actual<\/th>\n<th>Actual<\/th>\n<th>Actual<\/th>\n<th>Actual<\/th>\n<th>Actual<\/th>\n<th>Target<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td class=\"border-right\">EE<\/td>\n<td>16.36%<\/td>\n<td>29.12%<\/td>\n<td>23.68%<\/td>\n<td>22.96%<\/td>\n<td>22.85%<\/td>\n<td>23.38%<\/td>\n<td>21.88%<\/td>\n<td>16.88%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">ES<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td>-4.69%<\/td>\n<td>0.88%<\/td>\n<td>14.73%<\/td>\n<td>17.50%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">FI<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td>12.99%<\/td>\n<td>13.78%<\/td>\n<td>16.04%<\/td>\n<td>15.30%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">SK<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td>-4.09%<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">ALL<\/td>\n<td>16.36%<\/td>\n<td>29.12%<\/td>\n<td>23.68%<\/td>\n<td>22.96%<\/td>\n<td>20.63%<\/td>\n<td>14.95%<\/td>\n<td>18.25%<\/td>\n<td>16.40%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Bondora has seven\u00a0years of data and track record available publicly since we launched in 2009 and that is something no other platform in the industry can demonstrate.<\/p>\n<h2>The history of Bondora Rating<\/h2>\n<p><strong>Prior to 2015<\/strong><br \/>\nInvestors invested into loans across all countries based on the data and filters that were available on Bondora. There was neither risk-based pricing nor risk estimates from Bondora \u2013 investors had to decide themselves which loans seemed to have a good risk-return.<br \/>\n<strong>January 2015<\/strong><br \/>\n1st generation of Bondora Rating and risk-based pricing for Bondora loans was introduced.<br \/>\n<strong>December 2015<\/strong><br \/>\n2nd generation of Bondora Rating and risk-based pricing for Bondora loans was introduced.<\/p>\n<p><em>In our previous\u00a0Bondora\u00a0portfolio performance update\u00a0we also covered the advantages and objectives of Bondora Rating in more detail. If you&#8217;re\u00a0interested\u00a0&#8211; have a look <a href=\"https:\/\/www.goandgrow.eu\/blog\/bondora-rating-has-outperformed-expectations-98-of-the-portfolio-above-target-return\/\" target=\"_blank\" rel=\"noopener\">HERE<\/a>.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Here at Bondora we are committed to providing our investors the information they need for investing on our platform. We hope that this performance update helps to further understand the returns that you get from investing on Bondora. KEY TAKEAWAYS All countries have been profitable since introduction of Bondora Rating in January 2015 Returns in [&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-195122","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\/195122","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=195122"}],"version-history":[{"count":0,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/posts\/195122\/revisions"}],"wp:attachment":[{"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/media?parent=195122"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/categories?post=195122"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/tags?post=195122"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}