{"id":9557,"date":"2017-11-29T11:48:56","date_gmt":"2017-11-29T09:48:56","guid":{"rendered":"https:\/\/www.bondora.com\/blog\/?p=9557"},"modified":"2017-11-29T11:48:56","modified_gmt":"2017-11-29T09:48:56","slug":"monthly-origination-summary-for-october-2017-c-rated-loans-triumph","status":"publish","type":"post","link":"https:\/\/goandgrow.eu\/en\/blog\/monthly-origination-summary-for-october-2017-c-rated-loans-triumph\/","title":{"rendered":"Monthly origination summary for October 2017 \u2013 \u2018C\u2019 rated loans triumph"},"content":{"rendered":"<p align=\"left\">Welcome to October\u2019s monthly origination post, here we go in to detail about the distribution of investments that were made and some interesting stats per country of origin. In October, we saw a total of \u20ac2,980,477 invested through the Bondora platform and at the time of writing we now have 30,663 investors. We are excited to see what November holds, but for now let\u2019s dig deeper in to October\u2019s loan origination by country, rating and amounts.<\/p>\n<h2>Loan origination by country<\/h2>\n<p align=\"left\">Estonia clearly shows the largest amount of loans funded in October with \u20ac1,845,963, or 61.9% of the total share. Finland accounted for just over one quarter of the total share with \u20ac797,377 loans funded and we saw the lowest share in Spain at \u20ac337,137. This is a great way for us to see our investor\u2019s attitude to risk and the data below would suggest a majority view to a more balanced portfolio, opposed to the more progressive portfolio\u2019s associated with \u2018F\u2019 and \u2018HR\u2019 loans in Spain and Finland.<\/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\u00a0October 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>21.65%<\/td>\n<td>\u20ac1,845,963<\/td>\n<td>61.9%<\/td>\n<\/tr>\n<tr>\n<th><strong>SPAIN<\/strong><\/th>\n<td>92.62%<\/td>\n<td>\u20ac337,137<\/td>\n<td>11.3%<\/td>\n<\/tr>\n<tr>\n<th><strong>FINLAND<\/strong><\/th>\n<td>43.26%<\/td>\n<td>\u20ac797,377<\/td>\n<td>26.8%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2>Share by rating, country and amount<\/h2>\n<p align=\"left\">The table below contains the weighted average interest rate, total amount and share per country of origination and rating. Here are some key takeaway\u2019s we can see:<\/p>\n<ul>\n<li>Loans graded with a \u2018C\u2019 rating account for the highest share of investments at 22.48% of the total. Specifically in Estonia, \u20ac586,761 of \u2018C\u2019 rated loans were funded with an average interest rate of 20.98%<\/li>\n<li>\u2018A\u2019 rated loans had the lowest number originated at 6.04% of the total share. Although, this figure stood a 8.99% of all loans originated in Estonia<\/li>\n<li>83.71% of loans originated in Spain are rated F and HR<\/li>\n<li>Finland has the most diverse loan portfolio, with originations in each credit rating from AA &#8211; HR<\/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\u00a0October 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>9.97%<\/td>\n<td>\u20ac168,529<\/td>\n<td class=\"border-right\">5.65%<\/td>\n<td><\/td>\n<td><\/td>\n<td class=\"border-right\"><\/td>\n<td>9.39%<\/td>\n<td>\u20ac39,720<\/td>\n<td>1.33%<\/td>\n<\/tr>\n<tr>\n<th class=\"border-right\"><strong>A<\/strong><\/th>\n<td>11.92%<\/td>\n<td>\u20ac166,085<\/td>\n<td class=\"border-right\">5.57%<\/td>\n<td><\/td>\n<td><\/td>\n<td class=\"border-right\"><\/td>\n<td>11.52%<\/td>\n<td>\u20ac13,802<\/td>\n<td>0.46%<\/td>\n<\/tr>\n<tr>\n<th class=\"border-right\"><strong>B<\/strong><\/th>\n<td>15.12%<\/td>\n<td>\u20ac303,468<\/td>\n<td class=\"border-right\">10.18%<\/td>\n<td><\/td>\n<td><\/td>\n<td class=\"border-right\"><\/td>\n<td>16.02%<\/td>\n<td>\u20ac53,993<\/td>\n<td>1.81%<\/td>\n<\/tr>\n<tr>\n<th class=\"border-right\"><strong>C<\/strong><\/th>\n<td>20.98%<\/td>\n<td>\u20ac586,761<\/td>\n<td class=\"border-right\">19.69%<\/td>\n<td>23.42%<\/td>\n<td>\u20ac1,590<\/td>\n<td class=\"border-right\">0.05%<\/td>\n<td>21.63%<\/td>\n<td>\u20ac81,681<\/td>\n<td>2.74%<\/td>\n<\/tr>\n<tr>\n<th class=\"border-right\"><strong>D<\/strong><\/th>\n<td>29.35%<\/td>\n<td>\u20ac402,885<\/td>\n<td class=\"border-right\">13.52%<\/td>\n<td>30.21%<\/td>\n<td>\u20ac13,519<\/td>\n<td class=\"border-right\">0.45%<\/td>\n<td>28.99%<\/td>\n<td>\u20ac108,894<\/td>\n<td>3.65%<\/td>\n<\/tr>\n<tr>\n<th class=\"border-right\"><strong>E<\/strong><\/th>\n<td>34.77%<\/td>\n<td>\u20ac218,235<\/td>\n<td class=\"border-right\">7.32%<\/td>\n<td>39.79%<\/td>\n<td>\u20ac39,810<\/td>\n<td class=\"border-right\">1.34%<\/td>\n<td>37.9%<\/td>\n<td>\u20ac144,572<\/td>\n<td>4.85%<\/td>\n<\/tr>\n<tr>\n<th class=\"border-right\"><strong>F<\/strong><\/th>\n<td><\/td>\n<td><\/td>\n<td class=\"border-right\"><\/td>\n<td>54.46%<\/td>\n<td>\u20ac114,448<\/td>\n<td class=\"border-right\">3.84%<\/td>\n<td>53.59%<\/td>\n<td>\u20ac247,257<\/td>\n<td>8.30%<\/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>136.87%<\/td>\n<td>\u20ac167,770<\/td>\n<td class=\"border-right\">5.63%<\/td>\n<td>87.85%<\/td>\n<td>\u20ac107,458<\/td>\n<td>3.61%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2>Why is all of this important?<\/h2>\n<p align=\"left\">This data can provide a great reference for someone starting out or for those thinking of updating their investment strategy. You can also use this data to help you choose your filters when using <a href=\"https:\/\/www.youtube.com\/watch?v=nRBqaWDdRNE&amp;t=4s\" target=\"_blank\" rel=\"noopener\">Portfolio Pro<\/a>, keeping in mind the interest rates charged to borrowers and the total amount originated in each credit grade on a monthly basis.<\/p>\n<p align=\"left\">Next month we will compare how and why this has changed, in the mean time we would love to hear your own personal conclusions so please leave us a comment below.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Welcome to October\u2019s monthly origination post, here we go in to detail about the distribution of investments that were made and some interesting stats per country of origin. In October, we saw a total of \u20ac2,980,477 invested through the Bondora platform and at the time of writing we now have 30,663 investors. We are excited [&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-9557","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\/9557","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=9557"}],"version-history":[{"count":0,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/posts\/9557\/revisions"}],"wp:attachment":[{"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/media?parent=9557"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/categories?post=9557"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/tags?post=9557"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}