{"id":8847,"date":"2017-08-15T14:02:27","date_gmt":"2017-08-15T11:02:27","guid":{"rendered":"https:\/\/www.bondora.com\/blog\/?p=8847"},"modified":"2017-08-15T14:02:27","modified_gmt":"2017-08-15T11:02:27","slug":"monthly-origination-summary-for-july-2017","status":"publish","type":"post","link":"https:\/\/goandgrow.eu\/en\/blog\/monthly-origination-summary-for-july-2017\/","title":{"rendered":"Monthly origination summary for July 2017"},"content":{"rendered":"

Originations for July 2017 were strong, reaching a total of \u20ac2,851,766 which is just over\u00a0of the average monthly origination for 2017 of \u20ac2,846,160. The month outperformed the totals for May, June and February. \u201cHR\u201d rated loans represented the largest share at almost 19% of the total. Investors continue to seek a measured approach to risk as the \u201cC\u201d and \u201cD\u201d rated loans each represented nearly 17% of the total followed by \u201cB\u201d rated loans at around 15%.<\/p>\n

Loan origination by country<\/h2>\n

Estonia was the leader in originations again, claiming 61.16% of the total. Finland captured 21.68% followed by Spain at 17.16%. The high concentration of originations within Estonia is impressive given that there are no “F” or “HR”\u00a0loans offered and these higher risk loans carry an attractive return. The distribution or originations across the countries is slightly more even than last month. This may signal that Estonia\u2019s dominance is finding a long-term resting place in the low 60% range.<\/p>\n

\n\n\n\n\n\n\n\n\n
Share by country \u2013 July 2017<\/th>\n<\/tr>\n
Country<\/td>\nInterest<\/td>\nAmount<\/td>\nShare<\/td>\n<\/tr>\n<\/thead>\n
ESTONIA<\/strong><\/th>\n20.93%<\/td>\n1744228<\/td>\n61.16%<\/td>\n<\/tr>\n
SPAIN<\/strong><\/th>\n109.49%<\/td>\n489314<\/td>\n17.16%<\/td>\n<\/tr>\n
FINLAND<\/strong><\/th>\n50.45%<\/td>\n618224<\/td>\n21.68%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

Loan origination by rating<\/h2>\n

Nearly half of the originations focused in the \u201cB,\u201d \u201cC,\u201d and \u201cD\u201d rated loans (48% total) as investors continue to reach for growth with a mild exposure to risk. \u201cAA,\u201d and \u201cA\u201d rated loans represent the lowest share at 6% each. This smaller share might represent investor\u2019s reluctance to go for a lower return amid a surging equities market. \u201cHR\u201d rated loans had the largest share of any group at 19%.<\/p>\n

    \n
  • For finnish borrowers, investors displayed a clear preference for risk and larger returns as the portion of originations grew with each level of increasing risk.<\/li>\n
  • Spain originations represent a similar composition to Finland as investors became aggressive in their pursuit of risk.<\/li>\n
  • Generally investors are concentrated in the bottom half of the scale. That is, the \u201cD\u201d through \u201cHR\u201d loans represent 56% of the total origination. Meanwhile, the \u201cAA\u201d through \u201cC\u201d loans represent about\u00a044% of the total.<\/li>\n<\/ul>\n
    \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
    Share by country and rating \u2013 July\u00a02017<\/th>\n<\/tr>\n
    <\/th>\nESTONIA<\/strong><\/th>\nSPAIN<\/strong><\/th>\nFINLAND<\/strong><\/th>\n<\/tr>\n
    Rating<\/th>\nInterest<\/th>\nAmount<\/th>\nShare<\/th>\nInterest<\/th>\nAmount<\/th>\nShare<\/th>\nInterest<\/th>\nAmount<\/th>\nShare<\/th>\n<\/tr>\n<\/thead>\n
    AA<\/strong><\/th>\n10.00%<\/td>\n165704<\/td>\n5.81%<\/td>\n<\/td>\n<\/td>\n<\/td>\n9.26%<\/td>\n16145<\/td>\n0.57%<\/td>\n<\/tr>\n
    A<\/strong><\/th>\n11.92%<\/td>\n158881<\/td>\n5.57%<\/td>\n<\/td>\n<\/td>\n<\/td>\n11.79%<\/td>\n9875<\/td>\n0.35%<\/td>\n<\/tr>\n
    B<\/strong><\/th>\n15.00%<\/td>\n388719<\/td>\n13.63%<\/td>\n<\/td>\n<\/td>\n<\/td>\n14.55%<\/td>\n33251<\/td>\n1.17%<\/td>\n<\/tr>\n
    C<\/strong><\/th>\n20.65%<\/td>\n449078<\/td>\n15.75%<\/td>\n24.37%<\/td>\n1590<\/td>\n0.06%<\/td>\n22.54%<\/td>\n28727<\/td>\n1.01%<\/td>\n<\/tr>\n
    D<\/strong><\/th>\n28.85%<\/td>\n386610<\/td>\n13.56%<\/td>\n27.34%<\/td>\n18457<\/td>\n0.65%<\/td>\n29.17%<\/td>\n72096<\/td>\n2.53%<\/td>\n<\/tr>\n
    E<\/strong><\/th>\n34.29%<\/td>\n195236<\/td>\n6.85%<\/td>\n38.47%<\/td>\n33551<\/td>\n1.18%<\/td>\n37.74%<\/td>\n101949<\/td>\n3.57%<\/td>\n<\/tr>\n
    F<\/strong><\/th>\n<\/td>\n<\/td>\n<\/td>\n55.03%<\/td>\n82027<\/td>\n2.88%<\/td>\n48.85%<\/td>\n173413<\/td>\n6.08%<\/td>\n<\/tr>\n
    HR<\/strong><\/th>\n<\/td>\n<\/td>\n<\/td>\n133.53%<\/td>\n353689<\/td>\n12.40%<\/td>\n83.14%<\/td>\n182768<\/td>\n6.41%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

    Originations for July 2017 were strong, reaching a total of \u20ac2,851,766 which is just over\u00a0of the average monthly origination for 2017 of \u20ac2,846,160. The month outperformed the totals for May, June and February. \u201cHR\u201d rated loans represented the largest share at almost 19% of the total. Investors continue to seek a measured approach to risk […]<\/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-8847","post","type-post","status-publish","format-standard","hentry","category-stats-and-data"],"acf":[],"featured_image":null,"categories_names":["Stats & Data"],"category_name":"Stats & Data","_links":{"self":[{"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/posts\/8847","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=8847"}],"version-history":[{"count":0,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/posts\/8847\/revisions"}],"wp:attachment":[{"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/media?parent=8847"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/categories?post=8847"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/tags?post=8847"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}