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 out to investors to date; c) overdue principal repayment amount (principal repayment that was supposed to be paid out to date, but was not), and d) gross profit made by Investors (which is the difference between the interest paid out and the overdue principal).
The numbers in the tables below should allow investors calculating a non-forward looking profitability as of September 24, 2015. Non-forward looking means that the data does not include a) upcoming interest payments for the duration of the loans; and b) upcoming principal repayments that might not be collected. The non-forward looking principle is used in calculating XIRR (thus, only the actual payments to date are accounted for), which is the most widely used return measure for credit investments.
All Markets
| Rating | Issued Amount,€ | Interest Paid Out,€ |
Overdue Principal REPAYMENTS,€ | Gross Profit,€ |
| AA | 490,750 | 83,458 | 2,351 | 81,107 |
| A | 1,929,035 | 371,137 | 10,264 | 360,872 |
| B | 4,688,943 | 839,467 | 60,997 | 778,469 |
| C | 7,489,647 | 1,373,845 | 78,001 | 1,295,844 |
| D | 8,190,484 | 14,03,478 | 147,633 | 1,255,844 |
| E | 5,744,778 | 817,636 | 148,558 | 669,077 |
| F | 3,878,011 | 661,298 | 143,532 | 517,766 |
| HR | 9,939,252 | 1,734,014 | 867,839 | 866,175 |
| Unrated | 1,747,391 | 472,606 | 164,429 | 308,176 |
| TOTAL | 44,098,291 | 7,756,939 | 1,623,604 | 6,133,330 |
Estonia
| Rating | Issued Amount,€ | Interest Paid Out,€ |
Overdue Principal REPAYMENTS,€ | Gross Profit,€ |
| AA | 490,750 | 83,458 | 2,351 | 81,107 |
| A | 1,929,035 | 371,137 | 10,264 | 360,872 |
| B | 3,675,550 | 710,849 | 48,362 | 662,486 |
| C | 5,780,274 | 1,173,449 | 50,548 | 1,122,901 |
| D | 4,240,723 | 992,971 | 80,901 | 912,069 |
| E | 1,732,710 | 363,806 | 47,499 | 316,307 |
| F | 1,748,155 | 389,472 | 75,340 | 314,132 |
| HR | 3,110,040 | 784,996 | 177,368 | 607,628 |
| Unrated | 1,705,191 | 466,880 | 160,881 | 305,998 |
| TOTAL | 24,412,428 | 5,337,018 | 653,514 | 4,683,500 |
Finland
| Rating | Issued Amount,€ | Interest Paid Out,€ |
Overdue Principal REPAYMENTS,€ | Gross Profit,€ |
| B | 974,793 | 127,020 | 11,480 | 115,539 |
| C | 1,597,933 | 195,083 | 23,513 | 171,569 |
| D | 3,692,356 | 397,135 | 54,273 | 342,862 |
| E | 2,465,850 | 310,530 | 49,853 | 260,676 |
| F | 1,019,842 | 145,360 | 22,253 | 123,107 |
| HR | 1,996,165 | 310,610 | 184,832 | 125,777 |
| Unrated | 41,200 | 5,592 | 3,548 | 2,043 |
| TOTAL | 11,788,139 | 1,491,330 | 349,752 | 1,141,573 |
Spain
| Rating | Issued Amount,€ | Interest Paid Out,€ |
Overdue Principal REPAYMENTS,€ | Gross Profit,€ |
| B | 38,600 | 1,597 | 1,154 | 443 |
| C | 111,440 | 5,312 | 3,939 | 1,372 |
| D | 234,890 | 11,085 | 9,845 | 1,240 |
| E | 1,500,958 | 138,433 | 47,327 | 91,105 |
| F | 927,201 | 103,822 | 30,012 | 73,810 |
| HR | 4,328,393 | 594,082 | 444,078 | 150,004 |
| Unrated | 1,000 | 133 | 0 | 133 |
| TOTAL | 7,142,482 | 854,464 | 536,355 | 318,107 |
Slovakia
| Rating | Issued Amount,€ | Interest Paid Out,€ |
Overdue Principal REPAYMENTS,€ | Gross Profit,€ |
| D | 22,515 | 2,286 | 2,613 | -327 |
| E | 45,260 | 4,865 | 3,877 | 987 |
| F | 182,813 | 22,642 | 15,926 | 6,716 |
| HR | 504,654 | 44,324 | 61,560 | -17,235 |
| TOTAL | 755,242 | 74,117 | 83,976 | -9,859 |
