Categorías: Stats & Data

There was a recent discussion on the profitability of investments on Bondora; thus, we have decided to provide a detailed breakdown of the interest amounts paid out to Investors across all our markets. The information is covering the period since the inception of the company to September 24, 2015, and includes a) loan origination amount, b) interest paid…

We have received numerous questions about the changes to the collection process that we introduced earlier this year. In order to address those, we have compiled a detailed overview of the collection process for both delinquent and charged-off loans. Process overview Bondora has developed a standardized, largely automated collection process that is used across all markets…

We are extending our C&R (Collection and Recovery) efforts with the help of specialized collection agency services. For the past six months or so we have worked on enhancing and simplifying the C&R efforts to maximize your returns. We have automated messages going out with payment reminders as well as overdue notifications with email, SMS and…

As per request from many of our investors, we are now also adding two more rows to the Recovery Statistics table, that highlight the amount that has been recovered so far. The first new row will show the amount of principal that has been recovered after the loan defaulted and the second one shows the…

Last week we introduced recovery statistics for investor's personal portfolio and we are continuing in similar lines for the entire platform portfolio. Introducing the recovery rate graph for Bondora We are currently working to bring you a graph that highlights the progress of the recovery on our platform level compared to expected recovery.

In November 2014 we introduced Bondora Ratings with the goal of pricing loans in accordance with the individual risk associated with a particular borrower. Thus, the interest rate at origination is based on the Expected Loss (EL) associated with a particular Rating and the Expected Return E(R) (or I = EL% + E(R) if presented…

Last week we removed the Repaid amount from My investments Statistics section and changed the pie chart to show only your current portfolio proportions instead of all of your historical investments. With our next release the pie chart will also be updated to use the same colors for the statuses as we have used in other…

Next week we will start pricing loans automatically according to their risk-level based on the Bondora Rating calculations. This will enable to make a better offer for lower risk borrowers and charge a higher interest rate for higher risk borrowers. Bondora Rating is defined by the Expected Loss Rate E(L), which is presented in the…

Changes to the interface Primary Market As of tomorrow we start showing Bondora Rating for the eligible loans on the Primary Market for informational purposes. As far as the interfaces changes are concerned, you will be able to see the following improvements: Bondora Rating, Expected Loss and Expected Return will be added to all eligible…

Here are answers to the questions our investor community has asked about the Bondora Rating. Why switch to Bondora Rating? Why is it good for me as an investor? About Bondora Rating Bondora Rating will introduce a fair risk-based pricing model to all the loans on the platform. Until now loans have been classified not…