{"id":6613,"date":"2017-02-28T18:31:03","date_gmt":"2017-02-28T16:31:03","guid":{"rendered":"https:\/\/www.bondora.com\/blog\/?p=6613"},"modified":"2017-02-28T18:31:03","modified_gmt":"2017-02-28T16:31:03","slug":"bondora-portfolio-performance-february-2017","status":"publish","type":"post","link":"https:\/\/goandgrow.eu\/en\/blog\/bondora-portfolio-performance-february-2017\/","title":{"rendered":"Bondora portfolio performance \u2013 February 2017"},"content":{"rendered":"<h3 style=\"text-transform: uppercase\">Key takeaways<\/h3>\n<ul>\n<li>The latest performance data marks the fifth consecutive quarter of realised net returns exceeding the targeted figure.<\/li>\n<li>Estonia continue to deliver the strongest average realised net return of 19,57% since Q1 of 2015.<\/li>\n<li>Q4 of 2016 marks the second highest realised net return for all countries (20,53%) since Q1 of 2015 as Spain\u2019s surging performance of 28,22% marks the single highest return for a country in the last eight consecutive quarters.<\/li>\n<\/ul>\n<h3 style=\"text-transform: uppercase\">Actual and targeted bondora net returns by grade and country<\/h3>\n<h3>Estonia<\/h3>\n<ul>\n<li>For all of 2016 every rating has outperformed the targeted figure (excluding \u201cA\u201d in Q2).<\/li>\n<li>The strongest returns continue to concentrate around the higher risk ratings of \u201cD\u201d, \u201cE\u201d and \u201cF\u201d.<\/li>\n<li>The \u201cC\u201d rated loans in the country have outperformed their targeted figure for each quarter of 2016 offering investors a good mid-level solution to the risk\/reward balance.<\/li>\n<\/ul>\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\" src=\"https:\/\/i1.wp.com\/www.goandgrow.eu\/content\/img\/flags\/et.png?w=1024&amp;ssl=1\" 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<\/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>14,63%<\/td>\n<td>14,11%<\/td>\n<td>16,05%<\/td>\n<td>18,92%<\/td>\n<td>21,32%<\/td>\n<td>24,56%<\/td>\n<td>25,80%<\/td>\n<td>24,14%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td>13,10%<\/td>\n<td>13,84%<\/td>\n<td>14,31%<\/td>\n<td>15,76%<\/td>\n<td>18,47%<\/td>\n<td>20,43%<\/td>\n<td>23,17%<\/td>\n<td>23,51%<\/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>14,50%<\/td>\n<td>11,32%<\/td>\n<td>15,54%<\/td>\n<td>15,39%<\/td>\n<td>22,73%<\/td>\n<td>18,66%<\/td>\n<td>32,56%<\/td>\n<td>21,23%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td>13,20%<\/td>\n<td>13,82%<\/td>\n<td>14,29%<\/td>\n<td>15,89%<\/td>\n<td>18,40%<\/td>\n<td>20,46%<\/td>\n<td>23,08%<\/td>\n<td>23,65%<\/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>15,43%<\/td>\n<td>15,35%<\/td>\n<td>16,26%<\/td>\n<td>17,88%<\/td>\n<td>18,67%<\/td>\n<td>28,28%<\/td>\n<td>30,27%<\/td>\n<td>30,45%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td>13,18%<\/td>\n<td>13,85%<\/td>\n<td>14,30%<\/td>\n<td>15,79%<\/td>\n<td>18,43%<\/td>\n<td>20,32%<\/td>\n<td>23,19%<\/td>\n<td>23,85%<\/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>14,13%<\/td>\n<td>15,56%<\/td>\n<td>15,70%<\/td>\n<td>19,38%<\/td>\n<td>20,75%<\/td>\n<td>18,04%<\/td>\n<td>27,96%<\/td>\n<td>31,22%<\/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<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2016<br \/>\nQ1<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td>11,71%<\/td>\n<td>13,15%<\/td>\n<td>15,34%<\/td>\n<td>19,64%<\/td>\n<td>24,04%<\/td>\n<td>26,57%<\/td>\n<td>26,37%<\/td>\n<td>34,78%<\/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>16,17%<\/td>\n<td>17,51%<\/td>\n<td>18,28%<\/td>\n<td>17,96%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2016<br \/>\nQ2<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td>9,44%<\/td>\n<td>3,01%<\/td>\n<td>14,01%<\/td>\n<td>15,63%<\/td>\n<td>20,04%<\/td>\n<td>23,82%<\/td>\n<td>30,25%<\/td>\n<td>28,27%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td>8,15%<\/td>\n<td>9,74%<\/td>\n<td>11,46%<\/td>\n<td>13,62%<\/td>\n<td>15,22%<\/td>\n<td>16,47%<\/td>\n<td>17,05%<\/td>\n<td>17,10%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2016<br \/>\nQ3<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td>9,58%<\/td>\n<td>11,76%<\/td>\n<td>12,27%<\/td>\n<td>15,05%<\/td>\n<td>20,28%<\/td>\n<td>25,01%<\/td>\n<td>27,19%<\/td>\n<td>29,21%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td>8,40%<\/td>\n<td>9,77%<\/td>\n<td>11,48%<\/td>\n<td>13,64%<\/td>\n<td>15,22%<\/td>\n<td>16,48%<\/td>\n<td>17,04%<\/td>\n<td>17,10%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2016<br \/>\nQ4<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td>9,13%<\/td>\n<td>10,95%<\/td>\n<td>11,26%<\/td>\n<td>16,35%<\/td>\n<td>18,42%<\/td>\n<td>26,65%<\/td>\n<td>26,11%<\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td>8,23%<\/td>\n<td>8,60%<\/td>\n<td>9,76%<\/td>\n<td>11,31%<\/td>\n<td>12,38%<\/td>\n<td>14,27%<\/td>\n<td>15,13%<\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h3>Finland<\/h3>\n<ul>\n<li>The \u201cHR\u201d rated loans boosted their performance to our less risk sensitive investors with a realised net return of 23.09%, the best for the rating since 2015.<\/li>\n<li>The \u201cE\u201d rated loans exhibited the best performance in both Finland (25.30%) and as the best performer as measured by average return across all countries (31.38%).<\/li>\n<li>The \u201cC\u201d rated loans in the country have outperformed their targeted figure for each quarter of 2016 offering investors a good mid-level solution to the risk\/reward balance.<\/li>\n<\/ul>\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\" src=\"https:\/\/i1.wp.com\/www.goandgrow.eu\/content\/img\/flags\/fi.png?w=1024&amp;ssl=1\" 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<\/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>9,25%<\/td>\n<td>7,41%<\/td>\n<td>8,94%<\/td>\n<td>12,07%<\/td>\n<td>20,02%<\/td>\n<td>43,58%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td><\/td>\n<td><\/td>\n<td>12,87%<\/td>\n<td>13,33%<\/td>\n<td>14,50%<\/td>\n<td>16,61%<\/td>\n<td>18,15%<\/td>\n<td>20,82%<\/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>4,96%<\/td>\n<td>10,41%<\/td>\n<td>12,33%<\/td>\n<td>10,21%<\/td>\n<td>6,82%<\/td>\n<td>13,30%<\/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>14,67%<\/td>\n<td>16,67%<\/td>\n<td>18,07%<\/td>\n<td>20,86%<\/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>1,62%<\/td>\n<td>8,36%<\/td>\n<td>13,11%<\/td>\n<td>15,00%<\/td>\n<td>8,16%<\/td>\n<td>19,27%<\/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>13,30%<\/td>\n<td>14,70%<\/td>\n<td>16,58%<\/td>\n<td>18,36%<\/td>\n<td>20,81%<\/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>1,84%<\/td>\n<td>10,56%<\/td>\n<td>16,35%<\/td>\n<td>15,18%<\/td>\n<td>10,36%<\/td>\n<td>26,47%<\/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<\/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>14,99%<\/td>\n<td>13,59%<\/td>\n<td>18,73%<\/td>\n<td>26,38%<\/td>\n<td>23,64%<\/td>\n<td>17,71%<\/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<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2016<br \/>\nQ2<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td><\/td>\n<td><\/td>\n<td>16,57%<\/td>\n<td>17,50%<\/td>\n<td>16,16%<\/td>\n<td>24,54%<\/td>\n<td>21,51%<\/td>\n<td>10,26%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td><\/td>\n<td><\/td>\n<td>12,07%<\/td>\n<td>14,05%<\/td>\n<td>16,17%<\/td>\n<td>17,55%<\/td>\n<td>18,27%<\/td>\n<td>19,19%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2016<br \/>\nQ3<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td><\/td>\n<td><\/td>\n<td>7,69%<\/td>\n<td>17,55%<\/td>\n<td>16,69%<\/td>\n<td>17,03%<\/td>\n<td>17,60%<\/td>\n<td>2,88%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td><\/td>\n<td><\/td>\n<td>12,45%<\/td>\n<td>14,34%<\/td>\n<td>16,37%<\/td>\n<td>17,89%<\/td>\n<td>18,91%<\/td>\n<td>19,19%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2016<br \/>\nQ4<\/td>\n<td class=\"border-right\">Actual<\/td>\n<td><\/td>\n<td><\/td>\n<td>2,47%<\/td>\n<td>16,88%<\/td>\n<td>22,57%<\/td>\n<td>25,30%<\/td>\n<td>17,40%<\/td>\n<td>23,09%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td><\/td>\n<td><\/td>\n<td>9,90%<\/td>\n<td>11,36%<\/td>\n<td>14,04%<\/td>\n<td>15,53%<\/td>\n<td>21,39%<\/td>\n<td>29,22%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h3>Spain<\/h3>\n<ul>\n<li>Though the country only offer riskier loans the reward has been proportional; the 42.19% performance for \u201cE\u201d loans surpassed all others.<\/li>\n<li>Spain reversed the poor performance of Q2 while delivering the highest return for the country over the last two years.<\/li>\n<li>Less risky loans are becoming increasingly scarce for those investing in Spain.<\/li>\n<\/ul>\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\" src=\"https:\/\/i1.wp.com\/www.goandgrow.eu\/content\/img\/flags\/es.png?w=1024&amp;ssl=1\" 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<\/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>-3,48%<\/td>\n<td>-6,87%<\/td>\n<td>-6,18%<\/td>\n<td>6,95%<\/td>\n<td>12,33%<\/td>\n<td>10,87%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td><\/td>\n<td><\/td>\n<td>12,62%<\/td>\n<td>12,90%<\/td>\n<td>14,33%<\/td>\n<td>16,21%<\/td>\n<td>18,32%<\/td>\n<td>20,24%<\/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>-12,37%<\/td>\n<td>-8,91%<\/td>\n<td>6,36%<\/td>\n<td>13,08%<\/td>\n<td>14,92%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td>12,85%<\/td>\n<td>14,33%<\/td>\n<td>16,23%<\/td>\n<td>18,32%<\/td>\n<td>20,22%<\/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>16,48%<\/td>\n<td>-7,04%<\/td>\n<td>8,71%<\/td>\n<td>13,15%<\/td>\n<td>5,53%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td>13,11%<\/td>\n<td>14,55%<\/td>\n<td>16,18%<\/td>\n<td>18,32%<\/td>\n<td>20,31%<\/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>19,35%<\/td>\n<td>-1,11%<\/td>\n<td>7,58%<\/td>\n<td>18,73%<\/td>\n<td>14,36%<\/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>16,24%<\/td>\n<td>17,85%<\/td>\n<td>18,06%<\/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>36,87%<\/td>\n<td>27,39%<\/td>\n<td>21,40%<\/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<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2016<br \/>\nQ2<\/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>-5,41%<\/td>\n<td>13,57%<\/td>\n<td>5,36%<\/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>19,41%<\/td>\n<td>20,16%<\/td>\n<td>20,36%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2016<br \/>\nQ3<\/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>30,94%<\/td>\n<td>27,39%<\/td>\n<td>17,10%<\/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>19,30%<\/td>\n<td>20,24%<\/td>\n<td>20,65%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right quarter\" rowspan=\"2\">2016<br \/>\nQ4<\/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>42,19%<\/td>\n<td>24,71%<\/td>\n<td>28,34%<\/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>17,61%<\/td>\n<td>17,24%<\/td>\n<td>28,44%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h3 style=\"text-transform: uppercase\">Actual and targeted bondora net returns across portfolio per quarter<\/h3>\n<p align=\"left\">Since Q4 of 2015 the total performance of all Bondora loans has surpassed the targeted figure. The combined quarterly vintage performances for all countries continue the trend of realised returns surpassing their target since last quarter of 2015. Across all quarters the actual returns putperformed their targets by 1 percentage point.<\/p>\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<th>2016-Q2<\/th>\n<th>2016-Q3<\/th>\n<th>2016-Q4<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td class=\"border-right\">Actual<\/td>\n<td>13,76%<\/td>\n<td>13,05%<\/td>\n<td>14,18%<\/td>\n<td>16,74%<\/td>\n<td>21,94%<\/td>\n<td>17,63%<\/td>\n<td>18,60%<\/td>\n<td>20,53%<\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">Target<\/td>\n<td>16,56%<\/td>\n<td>16,52%<\/td>\n<td>16,79%<\/td>\n<td>16,28%<\/td>\n<td>14,66%<\/td>\n<td>15,64%<\/td>\n<td>16,38%<\/td>\n<td>15,77%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h3 style=\"text-transform: uppercase\">Actual and targeted bondora net returns across previous 7 years<\/h3>\n<p align=\"left\">All countries show the same trends for realised net returns as those reported a month ago. Estonia&#8217;s average returns across the years\u00a0have slightly increased to 21,97% and have been very stable compared to other countries. While performance of earlier yearly vintages for Spain&#8217;s is still poor, the past two years has seen healthy improvement, with average returns 8,35% in 2015 and 17,70% in 2016. Finland&#8217;s average returns saw a decrease of nearly 3 percentage points due to the steep drop in loan performance for the 2013 vintage.<\/p>\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 colspan=\"2\">2013<\/th>\n<th colspan=\"2\">2014<\/th>\n<th colspan=\"2\">2015<\/th>\n<th colspan=\"2\">2016<\/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>Target<\/th>\n<th>Actual<\/th>\n<th>Target<\/th>\n<th>Actual<\/th>\n<th>Target<\/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>16,45%<\/td>\n<td>29,49%<\/td>\n<td>24,33%<\/td>\n<td>23,14%<\/td>\n<td>21,66%<\/td>\n<td>18,16%<\/td>\n<td>21,52%<\/td>\n<td>18,15%<\/td>\n<td>19,25%<\/td>\n<td>17,00%<\/td>\n<td>\u00a020,24%<\/td>\n<td>\u00a014,43%<\/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>-7,99%<\/td>\n<td>19,26%<\/td>\n<td>-2,75%<\/td>\n<td>19,37%<\/td>\n<td>8,35%<\/td>\n<td>17,42%<\/td>\n<td>\u00a017,70%<\/td>\n<td>\u00a019,80%<\/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>10,53%<\/td>\n<td>17,53%<\/td>\n<td>9,95%<\/td>\n<td>15,99%<\/td>\n<td>11,51%<\/td>\n<td>15,50%<\/td>\n<td>\u00a019,31%<\/td>\n<td>\u00a015,97%<\/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><\/td>\n<td>-7,84%<\/td>\n<td>23,76%<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td class=\"border-right\">ALL<\/td>\n<td>16,45%<\/td>\n<td>29,49%<\/td>\n<td>24,33%<\/td>\n<td>23,14%<\/td>\n<td>19,05%<\/td>\n<td>18,11%<\/td>\n<td>12,04%<\/td>\n<td>18,11%<\/td>\n<td>14,18%<\/td>\n<td>16,57%<\/td>\n<td>\u00a019,64%<\/td>\n<td>\u00a015,66%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways The latest performance data marks the fifth consecutive quarter of realised net returns exceeding the targeted figure. Estonia continue to deliver the strongest average realised net return of 19,57% since Q1 of 2015. Q4 of 2016 marks the second highest realised net return for all countries (20,53%) since Q1 of 2015 as Spain\u2019s [&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-6613","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\/6613","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=6613"}],"version-history":[{"count":0,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/posts\/6613\/revisions"}],"wp:attachment":[{"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/media?parent=6613"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/categories?post=6613"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/tags?post=6613"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}