{"id":8929,"date":"2017-08-31T21:54:37","date_gmt":"2017-08-31T18:54:37","guid":{"rendered":"https:\/\/www.bondora.com\/blog\/?p=8929"},"modified":"2017-08-31T21:54:37","modified_gmt":"2017-08-31T18:54:37","slug":"bondora-portfolio-performance-july-2017","status":"publish","type":"post","link":"https:\/\/goandgrow.eu\/en\/blog\/bondora-portfolio-performance-july-2017\/","title":{"rendered":"Bondora portfolio performance \u2013 July 2017"},"content":{"rendered":"<h2 style=\"text-transform: uppercase\">Key takeaways<\/h2>\n<ul>\n<li>In Spain, the last three quarters have brought in significant realized return figures.<\/li>\n<li>Estonian loans have shown the most stable returns for investors &#8211; the average net returns are aligned or outperforming their targets.<\/li>\n<li>Finland&#8217;s lower risk ratings appear to be quite volatile in relation to their target figures.<\/li>\n<\/ul>\n<h2 style=\"text-transform: uppercase\">Actual and targeted bondora net returns by grade and country<\/h2>\n<h2>Estonia<\/h2>\n<ul>\n<li>In Estonia&#8217;s portfolio, Q2 of 2015 was the only period\u00a0where average realized net return across ratings was lower than the target return (by 0.06%).<\/li>\n<li>From 2015 to Q1 of 2017, only rating &#8220;A&#8221; has performed under its target return (by 0.09%).<\/li>\n<li>Loans with higher risk ratings (D, E, F, HR) have proven to be quite rewarding for investors. Realized returns for the aforementioned ratings have been more than 5 percentage points higher on average than their targets.<\/li>\n<\/ul>\n<p align=\"center\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-8935\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/Estonia-portfolio-returns-july-2017.png\" alt=\"Estonia-portfolio-returns-july-2017\" width=\"549\" height=\"406\" \/><\/p>\n<h2>Finland<\/h2>\n<ul>\n<li>First quarter of 2017 has continued to deliver over 20% returns in Finland, outpacing its target by more than 5 percentage points.<\/li>\n<li>Q1 of 2016 is the only other period for Finland where average actual returns outperformed its target figure.<\/li>\n<li>B rating loans were the worst performing loans across the previous two years.<\/li>\n<\/ul>\n<p align=\"center\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-8953\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/Finland-portfolio-returns-july-2017-1.png\" alt=\"Finland-portfolio-returns-july-2017\" width=\"435\" height=\"405\" \/><\/p>\n<h2>Spain<\/h2>\n<ul>\n<li>Loans from all quarters of 2015 are still significantly underperforming compared to their targets.<\/li>\n<li>With the exception of Q2 of 2016, all ratings from 2016 to Q1 of 2017 have generated remarkable average realized net returns.<\/li>\n<li>The average net return over last three quarters for E, F and HR ratings were 29%, 28% and 21% respectively.<\/li>\n<\/ul>\n<p align=\"center\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-8939\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/Spain-portfolio-returns-july-2017.png\" alt=\"Spain-portfolio-returns-july-2017\" width=\"462\" height=\"402\" \/><\/p>\n<h2 style=\"text-transform: uppercase\">Actual and targeted bondora net returns across portfolio per quarter<\/h2>\n<p align=\"left\">Compared to previous performance report, the most notable changes have been decreased realized returns for Q2 and Q3 of 2016 loans. Still, the 2016 average returns of nearly 16% remain higher than the average target figure. 2017 first quarter realized net returns are still going strong by surpassing the target by 4.6 percentage points (18.51% over 13.91%). While 2016 and 2017 are showing strong performance, loans across portfolio in 2015 are continually performing under the target figures with average returns of 13%.<\/p>\n<p align=\"center\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-8955\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/portfolio-net-returns-per-quarter-july-2017-1.png\" alt=\"portfolio-net-returns-per-quarter-july-2017\" width=\"540\" height=\"67\" \/><\/p>\n<h2 style=\"text-transform: uppercase\">Actual and targeted bondora net returns across previous 8 years<\/h2>\n<p align=\"left\">The big picture has remained the same as in previous reports &#8211; last three years are showing growing trend for realized net returns with more than 15% average across all countries. Across all 8 years, Estonia still leads the pack with average of more than 21%, Finland with nearly 15%, Spain and Slovakia trailing with 7% and 3% total averages respectively.<\/p>\n<p align=\"center\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-8949\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/net-returns-8years.july-2017-e1504195968452.png\" alt=\"net-returns-8years.july-2017\" width=\"600\" height=\"138\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways In Spain, the last three quarters have brought in significant realized return figures. Estonian loans have shown the most stable returns for investors &#8211; the average net returns are aligned or outperforming their targets. Finland&#8217;s lower risk ratings appear to be quite volatile in relation to their target figures. Actual and targeted bondora [&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-8929","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\/8929","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=8929"}],"version-history":[{"count":0,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/posts\/8929\/revisions"}],"wp:attachment":[{"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/media?parent=8929"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/categories?post=8929"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/tags?post=8929"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}