{"id":195146,"date":"2017-02-07T17:48:36","date_gmt":"2017-02-07T15:48:36","guid":{"rendered":"https:\/\/www.bondora.com\/blog\/?p=6249"},"modified":"2017-02-07T17:48:36","modified_gmt":"2017-02-07T15:48:36","slug":"monthly-origination-summary-january-2017","status":"publish","type":"post","link":"https:\/\/goandgrow.eu\/en\/blog\/monthly-origination-summary-january-2017\/","title":{"rendered":"Monthly origination summary for January 2017"},"content":{"rendered":"<p align=\"left\">January was a strong month for originations. Bondora issued \u20ac3,233,045 in new loans as we came within \u20ac105,525 of matching our all-time record high. \u201cC\u201d Rated loans comprised the greatest share at 23,57% of the total. \u201cE\u201d and \u201cHR\u201d rated loans represented the next largest category at 16,55% and 17,09% respectively. As the world of marketplace lending continues to develop, more investors are becoming confident in the technology.<\/p>\n<h2>Loan origination by country<\/h2>\n<p align=\"left\">Estonia continues to lead in originations capturing 62,98% of the total. Finland and Spain earned 24,22% and 12,80% respectively. Estonia remains popular with investors due to its diversity among ratings. This is the only country to offer opportunities across nearly all ratings from \u201cA\u201d to \u201cF.\u201d The numbers for January represent an increase in Estonia\u2019s share compared to December of 2016 where the country picked up 50% of originations.<\/p>\n<div class=\"responsive-table\">\n<table class=\"bondora-table\">\n<thead>\n<tr>\n<th class=\"table-header\" colspan=\"4\">Share by country \u2013 January\u00a02017<\/th>\n<\/tr>\n<tr class=\"green-bg\">\n<td>Country<\/td>\n<td>Interest<\/td>\n<td>Amount<\/td>\n<td>Share<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<th><strong>ESTONIA<\/strong><\/th>\n<td>20,79%<\/td>\n<td>2036225<\/td>\n<td>62,98%<\/td>\n<\/tr>\n<tr>\n<th><strong>SPAIN<\/strong><\/th>\n<td>98,01%<\/td>\n<td>413735<\/td>\n<td>12,80%<\/td>\n<\/tr>\n<tr>\n<th><strong>FINLAND<\/strong><\/th>\n<td>45,38%<\/td>\n<td>783085<\/td>\n<td>24,22%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2>Loan origination by rating<\/h2>\n<p align=\"left\">The \u201cA\u201d and \u201cAA\u201d rated loans together represent 4,88% of all originations. As we discussed in a <a href=\"https:\/\/www.goandgrow.eu\/blog\/why-isnt-the-portfolio-manager-investing-my-funds-faster\/\" target=\"_blank\" rel=\"noopener\">recent post<\/a>, many conservative investors have asked why more of their investments have not gone to these lower risk borrowers. The figures for January show that the popularity of higher rated loans means there are fewer opportunities to share among investors.<\/p>\n<ul>\n<li>The higher risk \u201cHR\u201d loans continue to deliver outsized interest in return for the higher chance of default or missed payments. Spain and Finland\u2019s \u201cHR\u201d loans offered strong returns of 105% and 73% respectively. The next highest opportunity for earning power was Finland\u2019s \u201cF\u201d rated loan at 48%.<\/li>\n<li>The weighted average return across the \u201cA\u201d through \u201cB\u201d rated loans in Estonia was 13,71%. This is slightly lower than the same measurement in December of 2016 where the return reached 13,85%. January\u2019s figure still represents a respectable return for lower risk.<\/li>\n<li>The interest of 25,80% on Estonia\u2019s \u201cD\u201d rated loans crept up over the 25,40% investors earned for the same segment of the market in December of 2016.<\/li>\n<\/ul>\n<div class=\"responsive-table\">\n<table class=\"bondora-table\">\n<thead>\n<tr>\n<th class=\"table-header\" colspan=\"10\">Share by country and rating \u2013 January\u00a02017<\/th>\n<\/tr>\n<tr>\n<th><\/th>\n<th colspan=\"3\"><img loading=\"lazy\" decoding=\"async\" class=\"country-flag\" src=\"https:\/\/i1.wp.com\/www.goandgrow.eu\/content\/img\/flags\/et.png?w=1024&amp;ssl=1\" width=\"18\" height=\"18\" \/><strong>ESTONIA<\/strong><\/th>\n<th colspan=\"3\"><img loading=\"lazy\" decoding=\"async\" class=\"country-flag\" src=\"https:\/\/i2.wp.com\/www.goandgrow.eu\/content\/img\/flags\/es.png?w=1024&amp;ssl=1\" width=\"18\" height=\"18\" \/><strong>SPAIN<\/strong><\/th>\n<th colspan=\"3\"><img loading=\"lazy\" decoding=\"async\" class=\"country-flag\" src=\"https:\/\/i2.wp.com\/www.goandgrow.eu\/content\/img\/flags\/fi.png?w=1024&amp;ssl=1\" width=\"18\" height=\"18\" \/><strong>FINLAND<\/strong><\/th>\n<\/tr>\n<tr class=\"green-bg\">\n<th>Rating<\/th>\n<th>Interest<\/th>\n<th>Amount<\/th>\n<th>Share<\/th>\n<th>Interest<\/th>\n<th>Amount<\/th>\n<th>Share<\/th>\n<th>Interest<\/th>\n<th>Amount<\/th>\n<th>Share<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<th class=\"border-right\"><strong>AA<\/strong><\/th>\n<td>10,62%<\/td>\n<td>38000<\/td>\n<td class=\"border-right\">1,18%<\/td>\n<td><\/td>\n<td><\/td>\n<td class=\"border-right\"><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<th class=\"border-right\"><strong>A<\/strong><\/th>\n<td>11,40%<\/td>\n<td>119625<\/td>\n<td class=\"border-right\">3,70%<\/td>\n<td><\/td>\n<td><\/td>\n<td class=\"border-right\"><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<th class=\"border-right\"><strong>B<\/strong><\/th>\n<td>14,33%<\/td>\n<td>444280<\/td>\n<td class=\"border-right\">13,74%<\/td>\n<td><\/td>\n<td><\/td>\n<td class=\"border-right\"><\/td>\n<td>\u00a021,87%<\/td>\n<td>\u00a0850<\/td>\n<td>\u00a00,03%<\/td>\n<\/tr>\n<tr>\n<th class=\"border-right\"><strong>C<\/strong><\/th>\n<td>18,99%<\/td>\n<td>716145<\/td>\n<td class=\"border-right\">22,15%<\/td>\n<td><\/td>\n<td><\/td>\n<td class=\"border-right\"><\/td>\n<td>19,97%<\/td>\n<td>46060<\/td>\n<td>1,42%<\/td>\n<\/tr>\n<tr>\n<th class=\"border-right\"><strong>D<\/strong><\/th>\n<td>25,80%<\/td>\n<td>371775<\/td>\n<td class=\"border-right\">11,50%<\/td>\n<td><\/td>\n<td><\/td>\n<td class=\"border-right\"><\/td>\n<td>29,07%<\/td>\n<td>126640<\/td>\n<td>3,92%<\/td>\n<\/tr>\n<tr>\n<th class=\"border-right\"><strong>E<\/strong><\/th>\n<td>31,33%<\/td>\n<td>308765<\/td>\n<td class=\"border-right\">9,55%<\/td>\n<td>33,83%<\/td>\n<td>8775<\/td>\n<td class=\"border-right\">0,27%<\/td>\n<td>35,19%<\/td>\n<td>226310<\/td>\n<td>7,00%<\/td>\n<\/tr>\n<tr>\n<th class=\"border-right\"><strong>F<\/strong><\/th>\n<td>35,38%<\/td>\n<td>37635<\/td>\n<td class=\"border-right\">1,16%<\/td>\n<td>41,54%<\/td>\n<td>37595<\/td>\n<td class=\"border-right\">1,16%<\/td>\n<td>48,19%<\/td>\n<td>198080<\/td>\n<td>6,13%<\/td>\n<\/tr>\n<tr>\n<th class=\"border-right\"><strong>HR<\/strong><\/th>\n<td><\/td>\n<td><\/td>\n<td class=\"border-right\"><\/td>\n<td>105,32%<\/td>\n<td>367365<\/td>\n<td class=\"border-right\">11,36%<\/td>\n<td>73,12%<\/td>\n<td>185145<\/td>\n<td>5,73%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>January was a strong month for originations. Bondora issued \u20ac3,233,045 in new loans as we came within \u20ac105,525 of matching our all-time record high. \u201cC\u201d Rated loans comprised the greatest share at 23,57% of the total. \u201cE\u201d and \u201cHR\u201d rated loans represented the next largest category at 16,55% and 17,09% respectively. As the world of [&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-195146","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\/195146","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=195146"}],"version-history":[{"count":0,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/posts\/195146\/revisions"}],"wp:attachment":[{"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/media?parent=195146"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/categories?post=195146"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/tags?post=195146"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}