Public Reports

All our datasets are updated daily. We recommend that you use the datasets to run your own portfolio analysis and adjust your investment strategy.

Please refer to the legends below for a quick overview of the codes and terms used in the datasets.

Platform Shared Dataset Legends

All datasets are in Comma Separated Values (CSV) format and compressed into ZIP file.

The comma-separated values (CSV) format is a widely used text file format that contains multiple records (one per line), and each field is delimited by a comma.

  • Each record is located on a separate line, delimited by a line break (CRLF).
  • The last record in the file may or may not have an ending line break.
  • There is a header line appearing as the first line of the file with the same format as normal record lines. This header will contain names corresponding to the fields in the file and contains the same number of fields as the records in the rest of the file.
  • Within the header and each record, there may be one or more fields, separated by commas (,). Each line contains the same number of fields throughout the file. Spaces are considered part of a field and should not be ignored. The last field in the record is not followed by a comma.
  • Fields containing commas are enclosed in double-quotes.
  • Period/full point (.) is used as decimal separator symbol
  • Date and time is formatted as YYYY-MM-DD HH:mm:ss where YYYY is 4-digit year, MM is 2-digit month, DD is 2-digit day, HH is 2-digit hours, mm is 2-digit minutes and ss is 2-digit seconds. When only date is used, the format is YYYY-MM-DD and when only year and month is used, the format is YYYY-MM.
Name Primary Market Loan Dataset Investments Sec. Market Description
API API Public Private API UI API UI
ActiveLateCategory When a loan is in Principal Debt then it will be categorized by Principal Debt days
ActiveLateLastPaymentCategory Shows how many days has passed since last payment and categorised if it is overdue
ActiveScheduleFirstPaymentReached Whether the first payment date has been reached according to the active schedule
Age The age of the borrower when signing the loan application
Amount Amount the borrower received on the Primary Market. This is the principal balance of your purchase from Secondary Market
AmountOfPreviousLoansBeforeLoan Value of previous loans
AppliedAmount The amount borrower applied for originally
AuctionBidNumber Unique bid number which is accompanied by Auction number
AuctionId A unique number given to all auctions
AuctionName Name of the Auction, in newer loans it is defined by the purpose of the loan
AuctionNumber Unique auction number which is accompanied by Bid number
BidPrincipal On Primary Market BidPrincipal is the amount you made your bid on. On Secondary Market BidPrincipal is the purchase price
BidsApi The amount of investment offers made via Api
BidsManual The amount of investment offers made manually
BidsPortfolioManager The amount of investment offers made by Portfolio Managers
BoughtFromResale_Date The time when the investment was purchased from the Secondary Market
City City of the borrower
ContractEndDate The date when the loan contract ended
Country Residency of the borrower
County County of the borrower
CreditScoreEeMini 1000 No previous payments problems 900 Payments problems finished 24-36 months ago 800 Payments problems finished 12-24 months ago 700 Payments problems finished 6-12 months ago 600 Payment problems finished < 6 months ago 500 Active payment problems
CreditScoreEsEquifaxRisk Generic score for the loan applicants that do not have active past due operations in ASNEF; a measure of the probability of default one year ahead; the score is given on a 6-grade scale: AAA (“Very low”), AA (“Low”), A (“Average”), B (“Average High”), C (“High”), D (“Very High”).
CreditScoreEsMicroL A score that is specifically designed for risk classifying subprime borrowers (defined by Equifax as borrowers that do not have access to bank loans); a measure of the probability of default one month ahead; the score is given on a 10-grade scale, from the best score to the worst: M1, M2, M3, M4, M5, M6, M7, M8, M9, M10.
CreditScoreFiAsiakasTietoRiskGrade Credit Scoring model for Finnish Asiakastieto RL1 Very low risk 01-20 RL2 Low risk 21-40 RL3 Average risk 41-60 RL4 Big risk 61-80 RL5 Huge risk 81-100
CurrentDebtDaysPrimary How long the loan has been in Principal Debt
CurrentDebtDaysSecondary How long the loan has been in Interest Debt
DateOfBirth The date of the borrower's birth
DebtOccuredOn The date when Principal Debt occurred
DebtOccuredOnForSecondary The date when Interest Debt occurred
DebtToIncome Ratio of borrower's monthly gross income that goes toward paying loans
DefaultDate The date when loan went into defaulted state and collection process was started
DesiredDiscountRate Investment being sold at a discount or premium
EAD1 Exposure at default, outstanding principal at default
EAD2 Exposure at default, loan amount less all payments prior to default
Education 1 Primary education 2 Basic education 3 Vocational education 4 Secondary education 5 Higher education
EL_V0 Expected loss calculated by the specified version of Rating model
EL_V1 Expected loss calculated by the specified version of Rating model
EL_V2 Expected loss calculated by the specified version of Rating model
EmploymentDurationCurrentEmployer Employment time with the current employer
EmploymentPosition Employment position with the current employer
EmploymentStatus 1 Unemployed 2 Partially employed 3 Fully employed 4 Self-employed 5 Entrepreneur 6 Retiree
ExistingLiabilities Borrower's number of existing liabilities
ExpectedLoss Expected Loss calculated by the current Rating model
ExpectedReturn Expected Return calculated by the current Rating model
FirstPaymentDate First payment date according to initial loan schedule
FreeCash Discretionary income after monthly liabilities
Gender 0 Male 1 Woman 2 Undefined
GracePeriodEnd Date of the end of Grace period
GracePeriodStart Date of the beginning of Grace period
HomeOwnershipType 0 Homeless 1 Owner 2 Living with parents 3 Tenant, pre-furnished property 4 Tenant, unfurnished property 5 Council house 6 Joint tenant 7 Joint ownership 8 Mortgage 9 Owner with encumbrance 10 Other
IncomeFromChildSupport Borrower's income from alimony payments
IncomeFromFamilyAllowance Borrower's income from child support
IncomeFromLeavePay Borrower's income from paternity leave
IncomeFromPension Borrower's income from pension
IncomeFromPrincipalEmployer Borrower's income from its employer
IncomeFromSocialWelfare Borrower's income from social support
IncomeOther Borrower's income from other sources
IncomeTotal Borrower's total income
Interest Maximum interest rate accepted in the loan application
InterestAndPenaltyBalance Unpaid interest and penalties
InterestAndPenaltyDebtServicingCost Service cost related to the recovery of the debt based on the interest and penalties of the investment
InterestAndPenaltyPaymentsMade Note owner received loan transfers earned interest, penalties total amount
InterestAndPenaltyWriteOffs Interest that was written off on the investment
InterestLateAmount Interest debt amount
InterestRecovery Interest recovered due to collection process from in debt loans
LanguageCode 1 Estonian 2 English 3 Russian 4 Finnish 5 German 6 Spanish 9 Slovakian
LastPaymentOn The date of the current last payment received from the borrower
LiabilitiesTotal Total monthly liabilities
ListedOnUTC Date when the loan application appeared on Primary Market
LoanDate Date when the loan was issued
LoanDuration Current loan duration in months
LoanId A unique ID given to all loan applications
LoanNumber A unique number given to all loan applications
LoanStatusActiveFrom How long the current status has been active
LossGivenDefault Gives the percentage of outstanding exposure at the time of default that an investor is likely to lose if a loan actually defaults. This means the proportion of funds lost for the investor after all expected recovery and accounting for the time value of the money recovered. In general, LGD parameter is intended to be estimated based on the historical recoveries. However, in new markets where limited experience does not allow us more precise loss given default estimates, a LGD of 90% is assumed.
MaritalStatus 1 Married 2 Cohabitant 3 Single 4 Divorced 5 Widow
MaturityDate_Last Loan maturity date according to the current payment schedule
MaturityDate_Original Loan maturity date according to the original loan schedule
ModelVersion The version of the Rating model used for issuing the Bondora Rating
MonthlyPayment Estimated amount the borrower has to pay every month
MonthlyPaymentDay The day of the month the loan payments are scheduled for The actual date is adjusted for weekends and bank holidays (e.g. if 10th is Sunday then the payment will be made on the 11th in that month)
NewCreditCustomer Did the customer have prior credit history in Bondora 0 Customer had at least 3 months of credit history in Bondora 1 No prior credit history in Bondora
NextPaymentDate According to schedule the next date for borrower to make their payment
NextPaymentNr According to schedule the number of the next payment
NextPaymentSum According to schedule the amount of the next payment
NoOfPreviousLoansBeforeLoan Number of previous loans
note_id A unique ID given to the investments
NoteLoanLateChargesPaid The amount of late charges the note has received
NoteLoanTransfersInterestAmount The amount of interest the note has received
NoteLoanTransfersMainAmount The amount of principal the note has received
NrOfDependants Number of children or other dependants
NrOfScheduledPayments According to schedule the count of scheduled payments
OccupationArea 1 Other 2 Mining 3 Processing 4 Energy 5 Utilities 6 Construction 7 Retail and wholesale 8 Transport and warehousing 9 Hospitality and catering 10 Info and telecom 11 Finance and insurance 12 Real-estate 13 Research 14 Administrative 15 Civil service & military 16 Education 17 Healthcare and social help 18 Art and entertainment 19 Agriculture, forestry and fishing
OnSaleSince Time when the investment was added to Secondary Market
PartyId A unique ID given to the borrower
PenaltyLateAmount Late charges debt amount
PlannedInterestPostDefault The amount of interest that was planned to be received after the default occurred
PlannedInterestTillDate According to active schedule the amount of interest the investment should have received
PlannedPrincipalPostDefault The amount of principal that was planned to be received after the default occurred
PlannedPrincipalTillDate According to active schedule the amount of principal the investment should have received
PreviousEarlyRepaymentsBeforeLoan How much was the early repayment amount before the loan
PreviousEarlyRepaymentsCountBeforeLoan How many times the borrower had repaid early
PreviousRepaymentsBeforeLoan How much the borrower had repaid before the loan
PrincipalBalance Principal that still needs to be paid by the borrower
PrincipalDebtServicingCost Service cost related to the recovery of the debt based on the principal of the investment
PrincipalLateAmount Principal debt amount
PrincipalOverdueBySchedule According to the current schedule, principal that is overdue
PrincipalPaymentsMade Note owner received loan transfers principal amount
PrincipalRecovery Principal recovered due to collection process from in debt loans
PrincipalWriteOffs Principal that was written off on the investment
ProbabilityOfDefault Probability of Default, refers to a loan’s probability of default within one year horizon.
PurchasePrice Investment amount or secondary market purchase price
Rating Bondora Rating issued by the Rating model
Rating_V0 Bondora Rating issued by version 0 of the Rating model
Rating_V1 Bondora Rating issued by version 1 of the Rating model
Rating_V2 Bondora Rating issued by version 2 of the Rating model
RecoveryStage Current stage according to the recovery model 1 Collection 2 Recovery 3 Write Off
RefinanceLiabilities The total amount of liabilities after refinancing
ReScheduledOn The date when the a new schedule was assigned to the borrower
Restructured The original maturity date of the loan has been increased by more than 60 days
SoldInResale_Date The date when the investment was sold on Secondary market
SoldInResale_Price The price of the investment that was sold on Secondary market
SoldInResale_Principal The principal remaining of the investment that was sold on Secondary market
StageActiveSince How long the current recovery stage has been active
Status The current status of the loan application
UseOfLoan 0 Loan consolidation 1 Real estate 2 Home improvement 3 Business 4 Education 5 Travel 6 Vehicle 7 Other 8 Health 101 Working capital financing 102 Purchase of machinery equipment 103 Renovation of real estate 104 Accounts receivable financing 105 Acquisition of means of transport 106 Construction finance 107 Acquisition of stocks 108 Acquisition of real estate 109 Guaranteeing obligation 110 Other business All codes in format 1XX are for business loans that are not supported since October 2012
VerificationType Method used for loan application data verification 0 Not set 1 Income unverified 2 Income unverified, cross-referenced by phone 3 Income verified 4 Income and expenses verified
WorkExperience Borrower's overall work experience in years
WorseLateCategory Displays the last longest period of days when the loan was in Principal Debt
XIRR XIRR (extended internal rate of return) is a methodology to calculate the net return using the loan issued date and amount, loan repayment dates and amounts and the principal balance according to the original repayment date. All overdue principal payments are written off immediately. No provisions for future losses are made & only received (not accrued or scheduled) interest payments are taken into account.
14DFromFirstPayment [OBSOLETE]
1DFromFirstPayment [OBSOLETE]
30DFromFirstPayment [OBSOLETE]
60DFromFirstPayment [OBSOLETE]
AD [OBSOLETE]
AmountOfBids [OBSOLETE]
AmountOfInvestments [OBSOLETE]
AmountOfPreviousApplications [OBSOLETE]
ApplicationType [OBSOLETE]
AppliedAmountToIncome [OBSOLETE]
AssociatedDuplicateLoanId [OBSOLETE]
BondoraCreditHistory [OBSOLETE]
CancelledWithin14Days [OBSOLETE]
CancelledWithin1Month [OBSOLETE]
CountOfBankCredits [OBSOLETE]
CountOfOtherCredits [OBSOLETE]
CountOfPaydayLoans [OBSOLETE]
CreditDecision [OBSOLETE]
CreditGroup [OBSOLETE]
CurrentInterest [OBSOLETE]
CurrentLoanHasBeenExtended [OBSOLETE]
DebtLiabilitiesBeforeLoan [OBSOLETE]
DebtRestructuringDate [OBSOLETE]
DefaultedOnDay [OBSOLETE]
EarlyRepaidWithin14Days [OBSOLETE]
Exposure_at_DebtRestructuring [OBSOLETE]
Exposure_at_Default [OBSOLETE]
HasExtendedSchedule [OBSOLETE]
IdCancellation [OBSOLETE]
InDebt14Day [OBSOLETE]
InDebt14Day_Exposure [OBSOLETE]
InDebt14Day_Interest [OBSOLETE]
InDebt14Day_Principal [OBSOLETE]
InDebt14Day_PrincipalProportion [OBSOLETE]
InDebt14Day_StartDate [OBSOLETE]
InDebt14Day_TotalRepayments [OBSOLETE]
InDebt1Day [OBSOLETE]
InDebt1Day_Exposure [OBSOLETE]
InDebt1Day_Interest [OBSOLETE]
InDebt1Day_Principal [OBSOLETE]
InDebt1Day_PrincipalProportion [OBSOLETE]
InDebt1Day_StartDate [OBSOLETE]
InDebt1Day_TotalRepayments [OBSOLETE]
InDebt21Day_Exposure [OBSOLETE]
InDebt21Day_Interest [OBSOLETE]
InDebt21Day_Principal [OBSOLETE]
InDebt21Day_PrincipalProportion [OBSOLETE]
InDebt21Day_StartDate [OBSOLETE]
InDebt21Day_TotalRepayments [OBSOLETE]
InDebt30Day [OBSOLETE]
InDebt30Day_Exposure [OBSOLETE]
InDebt30Day_Interest [OBSOLETE]
InDebt30Day_Principal [OBSOLETE]
InDebt30Day_PrincipalProportion [OBSOLETE]
InDebt30Day_StartDate [OBSOLETE]
InDebt30Day_TotalRepayments [OBSOLETE]
InDebt60Day [OBSOLETE]
InDebt60Day_Exposure [OBSOLETE]
InDebt60Day_Interest [OBSOLETE]
InDebt60Day_Principal [OBSOLETE]
InDebt60Day_PrincipalProportion [OBSOLETE]
InDebt60Day_StartDate [OBSOLETE]
InDebt60Day_TotalRepayments [OBSOLETE]
InDebt7Day_Exposure [OBSOLETE]
InDebt7Day_Interest [OBSOLETE]
InDebt7Day_Principal [OBSOLETE]
InDebt7Day_PrincipalProportion [OBSOLETE]
InDebt7Day_StartDate [OBSOLETE]
InDebt7Day_TotalRepayments [OBSOLETE]
Interest_at_DebtRestructuring [OBSOLETE]
InterestDebt_at_Default [OBSOLETE]
InvestmentNumber [OBSOLETE]
InvestmentPlanID [OBSOLETE]
Is14DFromFirstPayment [OBSOLETE]
Is1DFromFirstPayment [OBSOLETE]
Is30DFromFirstPayment [OBSOLETE]
Is60DFromFirstPayment [OBSOLETE]
IsBusinessLoan [OBSOLETE]
IsFirstPaymentDefault [OBSOLETE]
IsInactiveDuplicate [OBSOLETE]
IssuedInterest [OBSOLETE]
LeftMoneyForFirstPayment [OBSOLETE]
LiabilitiesToIncome [OBSOLETE]
MaxDebtMonthsFinance [OBSOLETE]
MaxDebtMonthsOther [OBSOLETE]
MaxDebtMonthsTelco [OBSOLETE]
NewOfferMade [OBSOLETE]
NewPaymentToIncome [OBSOLETE]
NoOfBids [OBSOLETE]
NoOfInvestments [OBSOLETE]
NoOfPreviousApplications [OBSOLETE]
NumDebtsFinance [OBSOLETE]
NumDebtsOther [OBSOLETE]
NumDebtsTelco [OBSOLETE]
OtherLiabilitiesBeforeLoan [OBSOLETE]
PostFundingCancellation [OBSOLETE]
PreviousLateFeesPaid [OBSOLETE]
Principal_at_DebtRestructuring [OBSOLETE]
Principal_at_Default [OBSOLETE]
PrincipalProportion_at_DebtRestructuring [OBSOLETE]
PrincipalProportion_at_Default [OBSOLETE]
ScoringDate [OBSOLETE]
ScoringDate_V0 [OBSOLETE]
ScoringDate_V1 [OBSOLETE]
ScoringDate_V2 [OBSOLETE]
SumOfBankCredits [OBSOLETE]
SumOfOtherCredits [OBSOLETE]
SumOfPaydayLoans [OBSOLETE]
TotalMaxDebtMonths [OBSOLETE]
TotalNumDebts [OBSOLETE]
TotalRepayments_at_DebtRestructuring [OBSOLETE]
TotalRepayments_at_Default [OBSOLETE]
UserName [OBSOLETE]
WasFunded [OBSOLETE]

Platform Dataset Legends

Cash Flow Statement

Name

Description

LoansIssued

The amount of loans issued during the period

PaidPrincipal

The amount of principal repaid during the period

PaidInterest

The amount of interest paid during the period

PaidPenalties

The amount of late charges paid during the period

Income Statement

Name

Description

InterestAccrued

The amount of interest accrued during the period

PenaltiesAccrued

The amount of late charges accrued during the period

PrincipalDue

The amount of principal due for the period

InterestDue

The amount of interest due for the period

RecheduledPrincipalDebt

The amount of overdue principal rescheduled during the period

RecheduledInterestDebt

The amount of overdue interest rescheduled during the period

RecheduledPenaltyDebt

The amount of late charges rescheduled during the period

Balance Sheet

Name

Description

LoanBalanceTotal

The total amount of outstanding principal

LoanBalance Current (By Principal)

The outstanding principal of current loans based on principal payments

LoanBalance 1-30 (By Principal)

The outstanding principal amount of 1-30 days overdue loans based on the principal debt start date

LoanBalance 31-60 (By Principal)

The outstanding principal amount of 31-60 days overdue loans based on the principal debt start date

LoanBalance 61-90 (By Principal)

The outstanding principal amount of 61-90 days overdue loans based on the principal debt start date

LoanBalance 91-120 (By Principal)

The outstanding principal amount of 91-120 days overdue loans based on the principal debt start date

LoanBalance 121-150 (By Principal)

The outstanding principal amount of 121-150 days overdue loans based on the principal debt start date

LoanBalance 151-180 (By Principal)

The outstanding principal amount of 151-180 days overdue loans based on the principal debt start date

LoanBalance 181+ (By Principal)

The outstanding principal amount of 181+ days overdue loans based on the principal debt start date

LoanBalance Current (By Secondary Debt)

The outstanding principal of current loans based on the interest and late charge payments

LoanBalance 1-30 (By Secondary Debt)

The outstanding principal amount of 1-30 days overdue loans based on the interest and late charge debt start date

LoanBalance 31-60 (By Secondary Debt)

The outstanding principal amount of 31-60 days overdue loans based on the interest and late charge debt start date

LoanBalance 61-90 (By Secondary Debt)

The outstanding principal amount of 61-90 days overdue loans based on the interest and late charge debt start date

LoanBalance 91-120 (By Secondary Debt)

The outstanding principal amount of 91-120 days overdue loans based on the interest and late charge debt start date

LoanBalance 121-150 (By Secondary Debt)

The outstanding principal amount of 121-150 days overdue loans based on the interest and late charge debt start date

LoanBalance 151-180 (By Secondary Debt)

The outstanding principal amount of 151-180 days overdue loans based on the interest and late charge debt start date

LoanBalance 181+ (By Secondary Debt)

The outstanding principal amount of 181+ days overdue loans based on the interest and late charge debt start date

InterestAccrualTotal

The total amount of accrued interest

InterestAccrual Current (By Principal)

The total amount of accrued interest for current loans, based on principal payments

InterestAccrual 1-30 (By Principal)

The accrued interest amount for 1-30 days overdue loans based on the principal debt start date

InterestAccrual 31-60 (By Principal)

The accrued interest amount for 31-60 days overdue loans based on the principal debt start date

InterestAccrual 61-90 (By Principal)

The accrued interest amount for 61-90 days overdue loans based on the principal debt start date

InterestAccrual 91-120 (By Principal)

The accrued interest amount for 91-120 days overdue loans based on the principal debt start date

InterestAccrual 121-150 (By Principal)

The accrued interest amount for 121-150 days overdue loans based on the principal debt start date

InterestAccrual 151-180 (By Principal)

The accrued interest amount for 151-180 days overdue loans based on the principal debt start date

InterestAccrual 181+ (By Principal)

The accrued interest amount for 181+ days overdue loans based on the principal debt start date

InterestAccrual Current (By Secondary Debt)

The total amount of accrued interest for current loans, based on the interest and late charge payments

InterestAccrual 1-30 (By Secondary Debt)

The accrued interest amount for 1-30 days overdue loans based on the interest and late charge debt start date

InterestAccrual 31-60 (By Secondary Debt)

The accrued interest amount for 31-60 days overdue loans based on the interest and late charge debt start date

InterestAccrual 61-90 (By Secondary Debt)

The accrued interest amount for 61-90 days overdue loans based on the interest and late charge debt start date

InterestAccrual 91-120 (By Secondary Debt)

The accrued interest amount for 91-120 days overdue loans based on the interest and late charge debt start date

InterestAccrual 121-150 (By Secondary Debt)

The accrued interest amount for 121-150 days overdue loans based on the interest and late charge debt start date

InterestAccrual 151-180 (By Secondary Debt)

The accrued interest amount for 151-180 days overdue loans based on the interest and late charge debt start date

InterestAccrual 181+ (By Secondary Debt)

The accrued interest amount for 181+ days overdue loans based on the interest and late charge debt start date

PrincipalOverdueTotal

The total amount of overdue principal

PrincipalOverdue Current (By Principal)

The overdue principal amount for current loans based on the principal payments

PrincipalOverdue 1-30 (By Principal)

The overdue principal amount for 1-30 days overdue loans based on the principal debt start date

PrincipalOverdue 31-60 (By Principal)

The overdue principal amount for 31-60 days overdue loans based on the principal debt start date

PrincipalOverdue 61-90 (By Principal)

The overdue principal amount for 61-90 days overdue loans based on the principal debt start date

PrincipalOverdue 91-120 (By Principal)

The overdue principal amount for 91-120 days overdue loans based on the principal debt start date

PrincipalOverdue 121-150 (By Principal)

The overdue principal amount for 121-150 days overdue loans based on the principal debt start date

PrincipalOverdue 151-180 (By Principal)

The overdue principal amount for 151-180 days overdue loans based on the principal debt start date

PrincipalOverdue 181+ (By Principal)

The overdue principal amount for 181+ days overdue loans based on the principal debt start date

PrincipalOverdue Current (By Secondary Debt)

The total amount of overdue principal for current loans, based on the interest and late charge payments

PrincipalOverdue 1-30 (By Secondary Debt)

The overdue principal amount for 1-30 days overdue loans based on the interest and late charge debt start date

PrincipalOverdue 31-60 (By Secondary Debt)

The overdue principal amount for 31-60 days overdue loans based on the interest and late charge debt start date

PrincipalOverdue 61-90 (By Secondary Debt)

The overdue principal amount for 61-90 days overdue loans based on the interest and late charge debt start date

PrincipalOverdue 91-120 (By Secondary Debt)

The overdue principal amount for 91-120 days overdue loans based on the interest and late charge debt start date

PrincipalOverdue 121-150 (By Secondary Debt)

The overdue principal amount for 121-150 days overdue loans based on the interest and late charge debt start date

PrincipalOverdue 151-180 (By Secondary Debt)

The overdue principal amount for 151-180 days overdue loans based on the interest and late charge debt start date

PrincipalOverdue 181+ (By Secondary Debt)

The overdue principal amount for 181+ days overdue loans based on the interest and late charge debt start date

InterestOverdueTotal

The total amount of overdue interest

InterestOverdue Current (By Principal)

The total amount of overdue interest for current loans, based on principal payments

InterestOverdue 1-30 (By Principal)

The overdue interest amount for 1-30 days overdue loans based on the principal debt start date

InterestOverdue 31-60 (By Principal)

The overdue interest amount for 31-60 days overdue loans based on the principal debt start date

InterestOverdue 61-90 (By Principal)

The overdue interest amount for 61-90 days overdue loans based on the principal debt start date

InterestOverdue 91-120 (By Principal)

The overdue interest amount for 91-120 days overdue loans based on the principal debt start date

InterestOverdue 121-150 (By Principal)

The overdue interest amount for 121-150 days overdue loans based on the principal debt start date

InterestOverdue 151-180 (By Principal)

The overdue interest amount for 151-180 days overdue loans based on the principal debt start date

InterestOverdue 181+ (By Principal)

The overdue interest amount for 181+ days overdue loans based on the principal debt start date

InterestOverdue Current (By Secondary Debt)

The total amount of overdue interest for current loans, based on the interest and late charge payments

InterestOverdue 1-30 (By Secondary Debt)

The overdue interest amount for 1-30 days overdue loans based on the interest and late charge debt start date

InterestOverdue 31-60 (By Secondary Debt)

The overdue interest amount for 31-60 days overdue loans based on the interest and late charge debt start date

InterestOverdue 61-90 (By Secondary Debt)

The overdue interest amount for 61-90 days overdue loans based on the interest and late charge debt start date

InterestOverdue 91-120 (By Secondary Debt)

The overdue interest amount for 91-120 days overdue loans based on the interest and late charge debt start date

InterestOverdue 121-150 (By Secondary Debt)

The overdue interest amount for 121-150 days overdue loans based on the interest and late charge debt start date

InterestOverdue 151-180 (By Secondary Debt)

The overdue interest amount for 151-180 days overdue loans based on the interest and late charge debt start date

InterestOverdue 181+ (By Secondary Debt)

The overdue interest amount for 181+ days overdue loans based on the interest and late charge debt start date

PenaltyDebtTotal

The total amount of outstanding late charges

PenaltyDebt Current (By Principal)

The total amount of outstanding late charges for current loans, based on principal payments

PenaltyDebt 1-30 (By Principal)

The outstanding late charges amount for 1-30 days overdue loans based on the principal debt start date

PenaltyDebt 31-60 (By Principal)

The outstanding late charges amount for 31-60 days overdue loans based on the principal debt start date

PenaltyDebt 61-90 (By Principal)

The outstanding late charges amount for 61-90 days overdue loans based on the principal debt start date

PenaltyDebt 91-120 (By Principal)

The outstanding late charges amount for 91-120 days overdue loans based on the principal debt start date

PenaltyDebt 121-150 (By Principal)

The outstanding late charges amount for 121-150 days overdue loans based on the principal debt start date

PenaltyDebt 151-180 (By Principal)

The outstanding late charges amount for 151-180 days overdue loans based on the principal debt start date

PenaltyDebt 181+ (By Principal)

The outstanding late charges amount for 181+ days overdue loans based on the principal debt start date

PenaltyDebt Current (By Secondary Debt)

The total amount of outstanding late charges for current loans, based on the interest and late charge payments

PenaltyDebt 1-30 (By Secondary Debt)

The outstanding late charges amount for 1-30 days overdue loans based on the interest and late charge debt start date

PenaltyDebt 31-60 (By Secondary Debt)

The outstanding late charges amount for 31-60 days overdue loans based on the interest and late charge debt start date

PenaltyDebt 61-90 (By Secondary Debt)

The outstanding late charges amount for 61-90 days overdue loans based on the interest and late charge debt start date

PenaltyDebt 91-120 (By Secondary Debt)

The outstanding late charges amount for 91-120 days overdue loans based on the interest and late charge debt start date

PenaltyDebt 121-150 (By Secondary Debt)

The outstanding late charges amount for 121-150 days overdue loans based on the interest and late charge debt start date

PenaltyDebt 151-180 (By Secondary Debt)

The outstanding late charges amount for 151-180 days overdue loans based on the interest and late charge debt start date

PenaltyDebt 181+ (By Secondary Debt)

The outstanding late charges amount for 181+ days overdue loans based on the interest and late charge debt start date

Name

Description

loan_id

A unique number given to a loan applications

Date

Date when the payment was made

PrincipalRepayment

The amount of principal repaid

InterestRepayment

The amount of interest paid

LateFeesRepayment

The amount of late charges paid

Name

Description

loan_id

A unique number given to all loan applications

StartDate

Time when the investment was added to Secondary Market

EndDate

Time when the investment was sold or removed from the Secondary Market

Result

The reason why the investment was sold or removed from the Secondary Market

Successful
Cancelled
Failed

DiscountRate

The discount/mark-up set by the seller

DebtDaysAtStart

The number of days the loan had been in debt at StartDate

DebtDaysAtEnd

The number of days the loan had been in debt at EndDate

PrincipalAtStart

Outstanding principal at StartDate

PrincipalAtEnd

Outstanding principal at EndDate

Name

Description

loan_id

A unique number given to all loan applications

Date

Date of the scheduled payment

Principal Payment

Principal amount of the scheduled payment

Interest Payment

Interest amount of the scheduled payment

Rescheduled Accrued Interest

Interest amount of the rescheduled ancillary claim payment

Rescheduled Late Fees

Late charge amount of the rescheduled ancillary claim payment

Personal Dataset Legends

Name

Description

loan_id

A unique number given to all loan applications

note_id

A unique code given to each separate investment

Date

Date when the payment was made

PrincipalRepayment

The amount of principal repaid

InterestRepayment

The amount of interest paid

LateFeesRepayment

The amount of late charges paid

Name

Description

loan_id

A unique number given to all loan applications

note_id

A unique code given to each separate investment

Date

Date of the scheduled payment

PrincipalRepayment

Principal amount of the scheduled payment

InterestRepayment

Interest amount of the scheduled payment

RescheduledAccruedInterest

Interest amount of the rescheduled ancillary claim payment

RescheduledLateFees

Late charge amount of the rescheduled ancillary claim payment

Name

Description

loan_id

A unique number given to all loan applications

note_id

A unique code given to each separate investment

StartDate

Time when the investment was added to Secondary Market

EndDate

Time when the investment left the Secondary Market

Result

The reason why the investment left the Secondary Market

Successful
Cancelled
Failed

DiscountRate

The discount/mark-up set by the seller

DebtDaysAtStart

The number of days this loan had been in debt at StartDate

DebtDaysAtEnd

The number of days this loan had been in debt at EndDate

PrincipalAtStart

Outstanding principal at StartDate

PrincipalAtEnd

Outstanding principal at EndDate

Cash Flow Statement

Name

Description

Deposits

The amount of funds added to Bondora account

Withdrawals

The amount of funds withdrawn from Bondora account to bank account

FeesPaid

Fees paid by the customer

LoansIssued

The amount of investments made

RepaidPrincipal

The amount of principal received from investments

RepaidInterest

The amount of interest received from investments

RepaidPenalties

The amount of penalty repayments received from investments

LoansReceived

The amount of loan applications taken by the user

PaidPrincipal

Principal that the user had to pay due to active loan applications

PaidInterest

Interest that the user had to pay due to active loan applications

PaidPenalties

Late charges that the user had to pay due to active loan applications

WriteOffPrincipal

Principal that was written off on the investments

WriteOffInterest

Interest that was written off on the investments

DebtServicingCostPrincipal

Service cost related to the recovery of the debt based on the principal of the investments

DebtServicingCostInterest

Service cost related to the recovery of the debt based on the interest and penalties of the investments

ResaleBought

The amount of investments purchased from the Secondary Market

ResaleSold

The amount of investments sold on the Secondary Market

CashBalance

The available funds of the customer

Income Statement

Name

Description

PlannedInterest

The amount of principal due for the period

ReceivedInterest

The amount of interest received during the month

FeesPaid

Fees paid by the customer

ResalePurchasesProfitLoss

Profit loss when dealing with Secondary Market purchases

ResaleSoldProfitLoss

Profit loss when dealing with selling investments on Secondary Market

Balance Sheet

Name

Description

LoanBalanceTotal

The total amount of outstanding principal

LoanBalance Current

The outstanding principal of current loans based on principal payments

LoanBalance 1-7

The outstanding principal amount of 1-7 days overdue loans based on the principal debt start date

LoanBalance 8-15

The outstanding principal amount of 8-15 days overdue loans based on the principal debt start date

LoanBalance 16-30

The outstanding principal amount of 16-30 days overdue loans based on the principal debt start date

LoanBalance 31-60

The outstanding principal amount of 31-60 days overdue loans based on the principal debt start date

LoanBalance 61-90

The outstanding principal amount of 61-90 days overdue loans based on the principal debt start date

LoanBalance 91-120

The outstanding principal amount of 91-120 days overdue loans based on the principal debt start date

LoanBalance 121-150

The outstanding principal amount of 121-150 days overdue loans based on the principal debt start date

LoanBalance 151-180

The outstanding principal amount of 151-180 days overdue loans based on the principal debt start date

LoanBalance 181+

The outstanding principal amount of 181+ days overdue loans based on the principal debt start date

Name

Description

TransferDate

The time when the transaction was made

Currency

The currency in which the transaction amounts are shown

Amount

The sum of the transaction

Description

The description of the transaction

Counterparty

The payer or payee

BalanceAfterPayment

The available and reserved balance on Bondora account after the transaction

Name

Description

Country

Residency of the borrower

ContractNumber

A unique contract number

PaidInterest

Interest received from the borrower during the selected period

PaidPenalties

Late charges received from borrower during the selected period

Principal

Initial investment made into the loan

ReturnedPrincipal

Principal repaid during the selected period

LoanIssued

Date when the loan was issued

BoughtPrincipalCurrentPeriod

Outstanding principal of the investment purchased from the Secondary Market during the selected period

BoughtAmountPaidCurrentPeriod

Purchase price of the investment purchased from the Secondary Market during the selected period

BoughtPrincipalPreviousPeriods

Outstanding principal of the investment purchased from the Secondary Market prior to the selected period

BoughtAmountPaidPreviousPeriods

Purchase price of the investment purchased from the Secondary Market prior to the selected period

BoughtDate

Date of purchase of the investment from the Secondary Market

SalePrincipal

Outstanding principal of the investment sold on the Secondary Market during the selected period

SaleAmountReceived

Sale price of the investment sold on the Secondary Market during the selected period

SaleDate

Date of sale of the investment on the Secondary Market

*Capital at risk. The yield of investment of Go & Grow within the monthly Go & Grow investment limit is up to 6.75% p.a. The yield of investment of Go & Grow for any amount invested over the monthly Go & Grow limit is up to 4% p.a. Before deciding to invest, please review our risk statement and consult with a financial advisor if necessary.

It may not be possible to liquidate assets or withdraw money immediately from Go & Grow. In this scenario, we will make partial payouts of your total withdrawal amount. Read more about partial payouts here.

Bondora Capital OÜ is not a credit provider and does not issue loans.

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