{"id":91706,"date":"2022-04-11T13:00:00","date_gmt":"2022-04-11T10:00:00","guid":{"rendered":"https:\/\/www.bondora.com\/blog\/?p=91706"},"modified":"2022-04-11T13:00:00","modified_gmt":"2022-04-11T10:00:00","slug":"new-origination-investment-highs-for-2022","status":"publish","type":"post","link":"https:\/\/goandgrow.eu\/en\/blog\/new-origination-investment-highs-for-2022\/","title":{"rendered":"New Origination &amp; Investment Highs for 2022"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">In March, a total of \u20ac14,496,204 was invested on Bondora. This is the highest amount invested for 2022 thus far and a 4.0% increase from <a href=\"https:\/\/www.goandgrow.eu\/blog\/originations-top-e14m-for-2nd-month-and-more\/\">February<\/a>. Loan originations increased by 3.6%, totaling \u20ac14,643,367 in March. This is also the highest amount originated in 2022 so far! Read more:<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img decoding=\"async\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/image-902.png\" alt=\"New origination &amp; investment highs for 2022.\" class=\"wp-image-91707\" \/><figcaption><em>New origination &amp; investment highs for 2022.<\/em><\/figcaption><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In contrast to February, when only Portfolio Pro and the API had positive growth rates, all Bondora investment products, except the API, increased their investment amounts in March. The API decreased its new investment value by 8.7% to (\u20ac8,134). Portfolio Pro had the highest growth rate, but Go &amp; Grow maintained its top position with the total investment in March (\u20ac13,463,490).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Product funding figures:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Go &amp; Grow &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;+ 4.0%<\/strong><\/li><li><strong>Portfolio Manager &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; + 2.7%<\/strong><\/li><li><strong>Portfolio Pro &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;+ 5.0%<\/strong><\/li><li><strong>API &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#8211; 8.7%<\/strong><\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img decoding=\"async\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/Capture-36.png\" alt=\"Investment by product \u2013 March 2022\" class=\"wp-image-91719\" \/><figcaption><em>Investment by product \u2013 March 2022<\/em><\/figcaption><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-investment-by-product\">Investment by product<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The total investment shares of Bondora investment products remain the same as last month, indicating a constant trend amongst investors.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Go &amp; Grow still has the bulk share of 92.9%, which is equal to \u20ac13,463,490 in March. It increased its monthly investment total by 4%. In the 2<sup>nd<\/sup> position, we have Portfolio Manager with a monthly investment total of \u20ac573,131\u2014a 2.7% growth rate. In 3<sup>rd<\/sup>, we have Portfolio Pro, which grew by 5% to \u20ac451,449. And lastly, we have the API, which decreased by 8.7% to \u20ac8,134.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img decoding=\"async\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/Capture-3-19.png\" alt=\"\" class=\"wp-image-91739\" \/><figcaption><em>Investment by product \u2013 March 2022<\/em><\/figcaption><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Loan originations<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">After dropping slightly in February, loan originations increased again in March by 3.6%. A total of \u20ac14,643,367 was originated in Bondora loans last month. Estonian originations fell slightly, but Finnish and Spanish originations all grew. Here&#8217;s a breakdown of all the origination stats:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Country breakdown<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">After dipping in February, Finnish loans rebounded with a 6.3% increase. The total share grew from 59.9% to 61.5%. Spanish originations increased by a mammoth growth rate of 32.4% and now have a 3.5% share. In contrast, Estonian originations decreased by 2.7% and now have a 35.1% share.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With \u20ac9,011,186 originated, Finland has the largest loan origination total. Despite its decline, Estonia remains in 2<sup>nd<\/sup> place with \u20ac5,136,305 originated. And Spain continues to grow steadily with \u20ac495,876 originated.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">After increasing by 0.5 in February, the average interest rates increased by 0.03 in March. Even though it&#8217;s a slight increase, it can be traced to the fluctuating Estonian interest rate that increased by 0.36. Once again, it had the most significant influence on the average interest rate across all three markets. And as we&#8217;ve seen in recent months, the average Spanish interest rate remains virtually unchanged (-0.03%), and the average Finnish rate increased by 0.10%.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img decoding=\"async\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/Capture-4-18.png\" alt=\"Origination by country \u2013 March 2022\" class=\"wp-image-91745\" \/><figcaption><em>Origination by country \u2013 March 2022<\/em><\/figcaption><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Continuing on a path of slow and steady growth, Spain&#8217;s February share of 2.7% of all loans has grown to 3.4%. We are still only originating C-rated loans in Spain. This is also the risk-rating category that is the most popular in the other markets. In Finland, C-rated loans make up 53.2% of all loans\u2014a 1.5% increase from February. And in Estonia, the same category&#8217;s share increased by 0.3%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In Estonia, B-, D- and E-rated loan categories&#8217; shares declined slightly due to the overall decline in Estonian originations in March.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img decoding=\"async\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/Capture-5-14.png\" alt=\"Origination by rating\/country \u2013 March 2022\" class=\"wp-image-91751\" \/><figcaption><em>Origination by rating\/country \u2013 March 2022<\/em><\/figcaption><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Loan amounts<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Following February&#8217;s footsteps, the average loan amount for all three markets decreased: Estonia by 8.2%, Spain by 6.8%, and Finland by 5.5%. This is now the 6<sup>th<\/sup> month in a row that Estonian loan amounts have declined.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Taking the lead from Spain, Finland now has the highest average loan amount with \u20ac2,419. Spain is in a very close second with \u20ac2,407, and Estonia trails with \u20ac2,152.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img decoding=\"async\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/Capture-6-9.png\" alt=\" Average loan amount \u2013 March 2022\" class=\"wp-image-91757\" \/><figcaption><em>Average loan amount \u2013 March 2022<\/em><\/figcaption><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Loan duration<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Once again, the three markets&#8217; average loan duration lengths are very similar. In March, Finland was the only country to remain unchanged, holding strong with a 56-month duration. Spain and Estonia both decreased by one month and two months, respectively.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img decoding=\"async\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/Capture-7-8.png\" alt=\"Loan duration \u2013 March 2022\" class=\"wp-image-91763\" \/><figcaption><em>Loan duration \u2013 March 2022<\/em><\/figcaption><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Once again, 60-month loans are the most popular across all markets. This duration consistently has the overwhelming majority in each country. In Estonia, 1,834 loans were issued in this category, in Spain 149, and Finland 2,780. 24-month loan durations are the 2<sup>nd<\/sup> most popular in Estonia and Spain. In Finland, 12-month loans are the 2<sup>nd<\/sup> most popular, with 202 borrowers choosing this duration.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full is-resized\"><a href=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/Capture-8-8.png\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/Capture-8-8.png\" alt=\"Number of loans per loan duration \u2013 March 2022\" class=\"wp-image-91769\" width=\"698\" height=\"542\" \/><\/a><figcaption><em>Number of loans per loan duration \u2013 March 2022<\/em> <em>(Click to enlarge)<\/em><\/figcaption><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Average age<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">As consistent as ever, the average borrower from Finland remains 43 years of age. They remain the oldest by far. Estonian borrowers tend to be 37 years old\u2014the same as last month. And in Spain, the average borrower age dropped by 1 year to 38 years old.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/Capture-9-6.png\" alt=\"Average age \u2013 March 2022\" class=\"wp-image-91775\" width=\"672\" height=\"472\" \/><figcaption><em>Average age \u2013 March 2022<\/em><\/figcaption><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Income<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">After decreasing in February, the average net income of borrowers across all markets increased again. Spain and Finland grew slightly, with 2% and 3.4%, respectively. However, the Estonian market had the most significant growth, increasing by 63.7%. This is a welcome growth rate after the 24.3% drop in February. This jump means Spanish borrowers now have the lowest average net income, while Finnish borrowers still have the highest.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/Capture-10-5.png\" alt=\"Average net income \u2013 March 2022\" class=\"wp-image-91781\" width=\"676\" height=\"472\" \/><figcaption><em>Average net income \u2013 March 2022<\/em><\/figcaption><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Education<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In March, we see a bit of a change regarding education statistics. In March, most borrowers have Vocational school qualifications (39.6%), thanks to the bulk of Finnish borrowers who fall into this category (51.9%). This is followed by borrowers with high school qualifications (23.7%). In both Estonia (41.8%) and Spain (47.1%), this is the most popular category.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img decoding=\"async\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/Capture-11-4.png\" alt=\"Education \u2013 March 2022\" class=\"wp-image-91787\" \/><figcaption><em>Education \u2013 March 2022<\/em><\/figcaption><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Employment<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The statistics regarding borrowers&#8217; employment remain consistent with last month and months prior. Most borrowers (35.3%) are employed for more than 5 years. Those employed for up to 5 years accounted for the 2<sup>nd<\/sup> largest share of all borrowers (27.9%). Retirees remain the least populated segment, accounting for just 7.7% of borrowers.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/Capture-12-4.png\" alt=\"Employment \u2013 March 2022\" class=\"wp-image-91793\" width=\"840\" height=\"219\" \/><figcaption><em>Employment \u2013 March 2022<\/em><\/figcaption><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Homeownership status<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Across all 3 markets, the most popular category is owning a home (40.8%) as opposed to the 2<sup>nd<\/sup> most popular category of being a tenant (33.6%). This is mirrored in Estonia and Finland, but in Spain, most borrowers are tenants (43.2%), and those who own a house make up only 10.2%. In Spain, the second-biggest category is living with parents (24.3%).<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img decoding=\"async\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/Capture-13-3.png\" alt=\"Homeownership status \u2013 March 2022\" class=\"wp-image-91799\" \/><figcaption><em>Homeownership status \u2013 March 2022<\/em><\/figcaption><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Verification status<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Spain and Finland maintained their 100% verification rate for the 7<sup>th<\/sup> and 3<sup>rd<\/sup> consecutive months. Estonia&#8217;s verification rate increased again by 0.1% to 99.6%. This brings the total verification rate to 99.0%.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img decoding=\"async\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/Capture-14-3.png\" alt=\"Verification status \u2013 March 2022\" class=\"wp-image-91805\" \/><figcaption><em>Verification status \u2013 March 2022<\/em><\/figcaption><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">New origination and investments highs for 2022<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">We&#8217;re happy to celebrate new origination and investment highs for 2022. This is a great way to end Q1 and makes us even more confident in the performance of the Bondora portfolio for the rest of 2022.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In March, a total of \u20ac14,496,204 was invested on Bondora. This is the highest amount invested for 2022 thus far and a 4.0% increase from February. Loan originations increased by 3.6%, totaling \u20ac14,643,367 in March. This is also the highest amount originated in 2022 so far! Read more: In contrast to February, when only Portfolio [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":91707,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[120],"tags":[103,106],"class_list":["post-91706","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-stats-and-data","tag-english","tag-marketpricing"],"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\/91706","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=91706"}],"version-history":[{"count":0,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/posts\/91706\/revisions"}],"wp:attachment":[{"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/media?parent=91706"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/categories?post=91706"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/tags?post=91706"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}