Final week, we launched our newly revamped Statistics web page, designed to offer you clear, constant, and up-to-date insights into Bondora’s lending and funding exercise. Test it out right here in case you missed it.
We promised that extra knowledge was on the way in which, and we meant it. Till the web page is totally automated, we’ll preserve sharing vital portfolio statistics proper right here on the weblog.
So, let’s check out the newest updates:
Mortgage portfolio anticipated IRR per origination quarter
Some of the priceless indicators of efficiency is the anticipated inside fee of return (IRR) on the mortgage portfolio. These quarterly figures mirror the returns our portfolios are anticipated to generate and are the inspiration from which the Go & Develop goal return is delivered.
How can we forecast IRR?
Our forecasted IRR relies on a mixture of historic efficiency knowledge and the present conduct of energetic loans. Right here’s the way it works:
- We analyze the IRR from previous loans we’ve issued.
- We carefully monitor how present loans are performing, particularly key indicators like default charges at totally different levels of the mortgage lifecycle.
- Based mostly on this knowledge, we undertaking how the present mortgage portfolio is prone to carry out and draw our anticipated IRR.
Why it issues:
These statistics offer you direct perception into the underlying power of the portfolio.
As a result of a lot of the loans we’ve issued not too long ago fall inside low-risk ranges (as shared final week), and present efficiency indicators are sturdy, we’re optimistic concerning the anticipated IRR going ahead.
In reality, our present forecasted IRR exhibits a powerful outlook, with a snug buffer above the 6% goal return. This constructive unfold helps scale back investor dangers and displays ongoing enhancements in portfolio efficiency.
Extra statistics: Originations and rates of interest per nation
One other vital issue for understanding portfolio well being is the place loans are being issued, at what common rate of interest, and the way that aligns with European banking rules.
What you need to know:
- Bondora Group’s mortgage originations are diversified throughout a number of EU markets, serving to to unfold and handle danger.
- Rates of interest are tied to Central Financial institution rules. For instance:
- Within the Netherlands, borrower charges had been at 10.5% in 2024 however dropped to 9.7% in 2025 on account of decrease regulatory limits.
- In Finland, common charges on Go & Develop-linked loans have additionally barely decreased from over 18% to 17.6%.
- Our charges mirror truthful, regulated lending – not extreme or opportunistic practices.
What this implies for our traders
When you think about these new knowledge factors alongside those shared final week, a transparent image begins to emerge:
Bondora’s profitability and portfolio efficiency have continued to strengthen over time. This progress is a results of steady refinements in our danger administration, pricing fashions, and market diversification.
We would like you to really feel assured in your funding selections, so we’re dedicated to maintaining you knowledgeable each step of the way in which with clear, well timed, and significant updates.
Extra statistics updates are coming
We’ll proceed rolling out new knowledge to the Statistics web page and thru weblog posts like this one.
On the backside of the Statistics web page, you’ll discover a survey the place you may share your suggestions and tell us what extra knowledge can be most useful to you!
Haven’t seen the revamped Statistics web page but? Discover it right here »
P.S. Our audited annual monetary report will likely be revealed quickly, providing you with a broader take a look at Bondora’s monetary efficiency in 2024. Keep tuned!