{"id":8141,"date":"2017-06-06T16:48:20","date_gmt":"2017-06-06T13:48:20","guid":{"rendered":"https:\/\/www.bondora.com\/blog\/?p=8141"},"modified":"2017-06-06T16:48:20","modified_gmt":"2017-06-06T13:48:20","slug":"monthly-origination-summary-for-may-2017","status":"publish","type":"post","link":"https:\/\/goandgrow.eu\/en\/blog\/monthly-origination-summary-for-may-2017\/","title":{"rendered":"Monthly origination summary for May 2017"},"content":{"rendered":"<p align=\"left\">Originations for May 2017 were lower compared to last month. The total of \u20ac2,710,450 was also lower than the average monthly origination of \u20ac2,858,604. More than half of this month\u2019s total is comprised of \u201cB\u201d through \u201cD\u201d rated loans from\u00a0the Estonian market. Investors continue to balance mid-level risk with a reach for higher interests\u00a0ranging from approximately 14% to 25%. The average interest across all countries came to 30.99%.<\/p>\n<h2>Loan origination by country<\/h2>\n<p align=\"left\">Estonia continues to hold the majority of originations at just over two-thirds of the total (77.44%). Spain carried 13.59% with Finland following at 8.97%. However, recent <a href=\"http:\/\/www.economist.com\/blogs\/graphicdetail\/2017\/05\/daily-chart-12\" target=\"_blank\" rel=\"noopener\">research released by the Fund for Peace<\/a> cited Finland as the most stable country in the world. This strong signal of political, economic and social strength may, in time, boost originations in the country as investors seek stability.<\/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 May 2017<\/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>19.89%<\/td>\n<td>2098983<\/td>\n<td>77.44%<\/td>\n<\/tr>\n<tr>\n<th><strong>SPAIN<\/strong><\/th>\n<td>85.12%<\/td>\n<td>368360<\/td>\n<td>13.59%<\/td>\n<\/tr>\n<tr>\n<th><strong>FINLAND<\/strong><\/th>\n<td>44.79%<\/td>\n<td>243107<\/td>\n<td>8.97%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2>Loan origination by rating<\/h2>\n<p align=\"left\">\u201cC\u201d Rated loans represented the largest portion of new loan originations with 26.40% total share,\u00a0nearly all of it\u00a0within the Estonia region. The greater availability of these loans in Estonia has been a contributing factor for the country\u2019s dominance in total originations.<\/p>\n<ul>\n<li>\u201cB\u201d and \u201cC\u201d rated loans both exhibit higher proportions of total originations this month versus last month. This may indicate a gradual progression towards lower risk loans.<\/li>\n<li>Across Estonia, Spain and Finland, 11 of the 14 different ratings have seen increases in their interests\u00a0over last month.<\/li>\n<li>HR loans continue to offer <a href=\"https:\/\/www.goandgrow.eu\/blog\/track-your-earnings-from-investments-with-net-interest-received-chart\/\">outsized interest<\/a>\u00a0in reward\u00a0for their higher risk. Spain\u2019s HR loans generated 92.66% while Finland\u2019s same rating offered 76.91%.<\/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 May 2017<\/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>10.34%<\/td>\n<td>45409<\/td>\n<td class=\"border-right\">1.68%<\/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>11.48%<\/td>\n<td>113799<\/td>\n<td class=\"border-right\">4.20%<\/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>14.42%<\/td>\n<td>594904<\/td>\n<td class=\"border-right\">21.95%<\/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>C<\/strong><\/th>\n<td>19.22%<\/td>\n<td>696733<\/td>\n<td class=\"border-right\">25.71%<\/td>\n<td><\/td>\n<td><\/td>\n<td class=\"border-right\"><\/td>\n<td>21.81%<\/td>\n<td>18905<\/td>\n<td>0.70%<\/td>\n<\/tr>\n<tr>\n<th class=\"border-right\"><strong>D<\/strong><\/th>\n<td>25.18%<\/td>\n<td>392097<\/td>\n<td class=\"border-right\">14.47%<\/td>\n<td><\/td>\n<td><\/td>\n<td class=\"border-right\"><\/td>\n<td>26.05%<\/td>\n<td>36996<\/td>\n<td>1.36%<\/td>\n<\/tr>\n<tr>\n<th class=\"border-right\"><strong>E<\/strong><\/th>\n<td>31.63%<\/td>\n<td>243772<\/td>\n<td class=\"border-right\">8.99%<\/td>\n<td><\/td>\n<td><\/td>\n<td class=\"border-right\"><\/td>\n<td>37.07%<\/td>\n<td>54205<\/td>\n<td>2.00%<\/td>\n<\/tr>\n<tr>\n<th class=\"border-right\"><strong>F<\/strong><\/th>\n<td>35.21%<\/td>\n<td>12269<\/td>\n<td class=\"border-right\">0.45%<\/td>\n<td>85.12%<\/td>\n<td>56163<\/td>\n<td class=\"border-right\">2.07%<\/td>\n<td>45.65%<\/td>\n<td>87174<\/td>\n<td>3.22%<\/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>92.66%<\/td>\n<td>312197<\/td>\n<td class=\"border-right\">11.52%<\/td>\n<td>76.91%<\/td>\n<td>45827<\/td>\n<td>1.69%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Originations for May 2017 were lower compared to last month. The total of \u20ac2,710,450 was also lower than the average monthly origination of \u20ac2,858,604. More than half of this month\u2019s total is comprised of \u201cB\u201d through \u201cD\u201d rated loans from\u00a0the Estonian market. Investors continue to balance mid-level risk with a reach for higher interests\u00a0ranging from [&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-8141","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\/8141","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=8141"}],"version-history":[{"count":0,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/posts\/8141\/revisions"}],"wp:attachment":[{"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/media?parent=8141"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/categories?post=8141"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/tags?post=8141"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}