A brand-new Expert Center and advanced Statistics page

With our next release, we are excited to introduce you our brand-new Expert Center and advanced Statistics page. Regarding statistics and reporting in general, this is our biggest feature release so far. During 2015 we gathered feedback from our investors about what their wish list would look like concerning data. Our engineering team tried to grant most of the wishes and we hope that you like the result. Now, we’ll invite you to our little data tour!

STATISTICS PAGE
Our upgraded Statistics page features all the most valuable charts and reports that help you keep track of your Bondora portfolio. All the necessary information about your account, returns, processing of overdue loans etc. are now easily accessible on one page without you having to look around for information across multiple pages.

  • 1. INVESTMENT

Bondora Investments graph

We added a drop down menu where you can now find loan charts by 5 different criteria:

1. Loan status – shows investments principal amount proportions according to repayment schedule.
2. Loan purpose – shows investments principal amount proportions by loan purpose.
3. Loan rating – shows investments principal amount proportions by Bondora Rating.
4. Country – shows investments principal amount proportions according to country.
5. Bid size – shows investments principal amount proportions according to balance of the bid.

  • 2. COMPARISON OF NET RETURNS OF DIFFERENT INVESTORS

Statistics Net return comparison graph

This chart compares the performance of different investors across the entire portfolio. You can see how many investors fall within a certain range of returns and the data can be further filtered by the size of investors’ portfolios as well as the length of their track record. The chart also shows your position in this comparison.

  • 3. ANNUALIZED NET RETURN ON INVESTMENT

Statistics Annualized net return graph

This chart demonstrates the annualized net return of the portfolio at a certain given time. Only payments made and scheduled until that date are considered in this calculation.

  • 4. INVESTMENT QUALITY PER MONTH

Statistics Investment quality graph

This graph shows your loan status in historical view. Investment quality is highlighted by the proportion of overdue loans.

  • 5. ACTUAL RECOVERY RATE COMPARISON

Statistics Recovery rate comparison graph

This chart shows recovery information about investor’s current portfolio including all loans which have defaulted at least once. Percentage is calculated by dividing actual repayments since the loan first defaulted by scheduled payments until today. You can filter the period, the current status of the loan, its recovery status (in collection or recovery) and group the results by month, quarter and year. Recovery Status filter allows you to look at the results segmented by the way how the specific non-performing loans are being currently handled. Cases that are being pursued through legal recovery are found under Recovery and cases that are being processed by Bondora or debt collection agencies are found under Collection. This easier classification replaces the previous stages report. You can also choose which repayments (either all, principal or interest) you are comparing to which part of the schedule. This report allows you to establish discount probability factors for the future planned cash flow report we are introducing below.

EXPERT CENTER PAGE

Our brand-new Expert Center features more complex and specific charts that cater the more advanced investor. It combines Data Export, Cash Flow, Account Statement and Authorized Apps into one page. We are releasing Expert Center as a Beta version – your feedback is most welcome to us so we can improve the functionality even more.

  • 1. HISTORICAL CASH FLOW

Expert Center Historical cash flow graph

This chart shows your monthly cash flow based on actual transfers. We are loving the convenience of the row TOTAL that sums up the period you have searched for. Also, a column that comes in handy is NET INTEREST INCOME that shows your cash flow and how much you have earned.

  • 2. FUTURE PLANNED CASH FLOW

Expert Center Future planned cash flow graph

This chart shows monthly future cash flow based on scheduled payments. An important snippet on this forecasting chart is – Probability settings – where you can set the probability on your planned cash flow. For example, if you set the debt probability to 50% then it will show 50% of the amounts under the according columns. You can also save the settings you have once chosen and they will be available the next time you log in. The row TOTAL sums up the period you have searched for.

  • 3. ACCOUNT STATEMENT

Expert Center Account statement 24h graph

This chart shows the transactions for the last 24 hours.

  • 4. DATA EXPORT

Expert Center Data export graph

If you need more data about your account statement then you can use this data export functionality. It gives you a specific and detailed view for a longer period.

  • 5. AUTHORIZED APPS

Expert Center Apps graph

This table shows all the API tokens registered to user and the activity log.

Please note that the data on the charts is illustrative and is not based on actual data.

Comments are closed.

28 thoughts on “A brand-new Expert Center and advanced Statistics page”

  1. Dear Pärtel

    Please bring back the old “Cash Flow” tab (because it’s really important and valuable) and do whatever else you wish in the new “Expert Center” for the ones who requested changes.

    Regards
    Janoš

    1. HI Janoš,
      As I told Tom we are already working on these requests to enhance the information in the expert centre!

  2. Can you please give more information to the recovery status graph?
    1. What is shown on the right axis? Date of 1. default?
    2. What does “planed rates” mean? I see ridiculous recovery values up to 300%.
    If I got it right, is the repayment divided by the SHEDULED payment. I.g. if a loan defaults after 3 months, repays everthing after 6 month you will show 57/3 = 1900% ?! That would not be a very professional calculation. When a loan repaid all principal has to be calculated as “sheduled”.

    1. Martin, thanks for the questions on the recovery chart. Please note that the investor personal statistics recovery chart will be updated with the next release to: (1) show absolute figures not on loan level but on investor note level; (2) to better include secondary market transactions by showing planned/actual cash-flow for the period the investor owned the note.

      Answers to your questions below:
      1) The year, quarter or month is the period in which the loan 1st defaulted
      2) Planned drop-down allows you to look at how much repayments were scheduled over the period from default till now. You can filter by looking at all scheduled payments, principal only or interest only. You can then compare these with actual repayments (once again all, principal
      repayments or interest repayments).

      For example if you look under general statistics and look at year level data, comparing principal planned with principal received you can see that 52% of planned payments were received for loans that defaulted in 2015, 45% for loans in 2014, 79% loans in 2013 and 100% for loans defaulted in 2009. If you now compare interest received with interest planned you would see 6% for 2015, 8% for 2014, 40% for 2013 126% for 2012 etc.

      You can then decide which levels to use in your probability assumptions for future cash flow. As repayments on defaulted loans are directed at the principal until its fully repaid you won’t see much of interest recoveries for a couple of years after which the interest received proportion might go beyond 100% due to late fees and additional interest calculated during the time the loan was overdue. That is why some loans that default end up paying more than they actually planned.

      On a portfolio level such edge cases should not be very visible unless some cohorts had very low defaults and the results are not statistically very representative. Therefore we recommend to use larger cohorts like quarters or years in your analysis to get stable figures.

  3. Hello,

    I’m missing a clear overview of the payments on a day to day basis. I can see on my account statement what I have received the last 24 hours (e.g. partial principal paid, amount and BO user). I’m missing an simple overview what this borrower should have paid, and what other payments I should have received on this day.

    Tom

    1. Hi Tom!
      Thanks for the post. We are soon adding the following features:
      1) day-level view to the cash flow
      2) additional filtering options to Investments list so you can find loans that paid or missed a payment yesterday or any other date without going to the cash flow view

  4. That’s great news, filtering by date of missed payment is extremely useful.
    Thank’s for adding that feature.