Category: Bondora video

POSTS FROM PAST WEEK

Monthly origination summary for March 2017

“How long will it take for my investment to generate a return?” The cumulative cash on cash return monthly comparison chart can help. This new chart summarizes the progress your investments are making towards the goal of repayment and, eventually, earning a return. Check it out on the general statistics page.

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Weekly industry news roundup – April 10, 2017

Bondora received several mentions this past week. P2P-Banking and ArcticStartup cited our presence in the Baltics and broader P2P world.
AltiFi Credit posted an article exploring how banks have renewed their perspective on marketplace lending.
ETF.com took a long look at alternative lending. The author explains the benefits of investing in loans.
Business Wire summarized findings in a new report offering a promising outlook for peer-to-peer lending. The conclusion of recent findings is that “Global Peer to Peer Lending Market to Grow at a CAGR of 51.5% by 2022.”
Financial Times Advisor offered a guide on “How To Navigate The P2P Maze.”
Peer-to-peer Finance News looked at how various firms are interested in settling on a universal definition of “default.”

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Recap of our first investor webinar + video

Our CFO and others at Bondora reviewed our two most important loan processes, news from the company and what to expect in the future. We also answered questions from investors.

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We are looking for a Head of Investor Sales

We’re offering an opportunity to participate in the revolution that is fintech. Tap into an investor base of 22,000 people from 40 countries earning 17 million euro in interest with 80 million euro in loans.

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POSTS FROM PAST WEEK

Monthly vintage comparison of cumulative cash on cash returns

“How long will it take for my investment to generate a return?” The cumulative cash on cash return monthly comparison chart can help. This new chart summarizes the progress your investments are making towards the goal of repayment and, eventually, earning a return. Check it out on the general statistics page.

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Weekly industry news roundup – April 3, 2017

AltFi looked at what issues must be addressed before a wider base of investors will embrace the P2P system.
Crowdfund Insider took a look at the fintech revolution and how open source data can make the infrastructure more transparent.
Bankless Times shared findings from analysts at EY concerning fintech and marketplace lending.
The Financial Times reported on expectations of consolidation within the P2P arena as smaller players face big competition.
Crowdfund Insider explored the implications of new regulations behind P2P lending in China.
Delfi mentioned Bondora in an article that looked at various asset classes and platforms for investing.

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Statistics: Expected returns and competitive bid levels

In this review we look at new information on our statistics page. The chart illustrates the inverse relationship between loan ratings and the annualized expected return. As the rating drops the expected return rises. This dynamic is the risk/reward relationship at work. The higher rated loans, which offer lower relative risk, command greater bids. These loans are popular among our investors especially those choosing the “Conservative” approach with the Portfolio Manager.

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Bondora portfolio performance – March 2017

For 2015, the the average target figures exceeded the actual returns by 2,45 percentage points, whereas for 2016 the actual returns were higher than the target by 4,4 percentage points on average. Estonia has delivered above-target returns across all 8 years.

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POSTS FROM PAST WEEK

Start investing faster with our new instant payment options

Bondora is now enabling users to get in the game faster with instant payment options. Investors can use their Visa, Mastercard credit and debit cards or SOFORT service to start investing today. Transactions occur immediately allowing investors to put their money to work right away.

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Weekly industry news roundup – March 27, 2017

Seeking Alpha published an article exploring how P2P is at the fore of the fintech revolution.
Crowdfund Insider reported on findings from online lending analytics firm OFF3R indicating that lending activity in the UK has increased in recent months.
Entrepreneur offered 6 tips for navigating online lending for small businesses.
Reuters explored the ways in which traditional banks are seeking to increase speed to compete with the growing online lending industry.
CXOToday discussed ways in which fintech solutions like P2P lending are disrupting the lending market in underbanked regions like India.
ArcticStartup praised Bondora citing that we “turned to profit late last year after focusing again on its original offering of consumer loans.”

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How P2P is becoming the leader in FinTech

We took a longer look at how P2P forms the center of the fintech revolution. Marketplace lending represents the key features of a true fintech innovation: low costs, speed and social benefits.

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Benchmark your returns with the new Annualized Net Return On Investment graph

As part of our general and personal statistics page redesigns we have updated the look and data on the Annualized Net Return on Investment graph. Our approach is to provide a more complete reading of returns and how they compare to benchmarks.

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POSTS FROM PAST WEEK

Get better insight with our new Statistics pages

We offered a brief overview of the changes we recently made to the general and personal statistics pages on the site. Our users have so far responded with enthusiasm to the new outlook that delivers lots of new information with appealing graphics and insights.

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Weekly industry news roundup – March 20, 2017

Forbes published an article exploring how the marketplace lending phenomenon is spreading worldwide.
The Motley Fool offered readers a brief guide of questions to ask oneself before borrowing from a P2P lending site.
Business Insider took a look at the areas of FinTech poised for continued growth through 2017.
The Times explored the ways investors are seeking more aggressive growth from their investments.
Crowdfund Insider released an article reviewing new measures from The Bank of England Fintech Accelerator.

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Performance of recovery process – March 2017

We offered our regular overview of the monthly recovery process performance. The average recovery performance for 2016 was 64% which outperformed the average recovery over the last three years of 51%. In Finland, the three-year average recovery stayed on par with last months rate while the average recovery for 2016 increased 10 percentage points to 56%. Estonia’s average 2016 recovery performance is essentially flat at 63% and its three-year total slightly higher at 67%. Recoveries in Spain and Slovakia each saw a decrease of 9 percentage points compared to past months recovery overview.

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Register today to our first investor webinar on March 23, 2017

On Thursday we shared information on our first webinar for investors and how to join the discussion. In the webinar, we will cover what we do, our company structure and how we serve investors, our collections program and our plans for the future. The webinar will be conducted via live stream on March 23, 3:00 pm EET. Don’t miss it.

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POSTS FROM PAST WEEK

Four ways to create an investing plan that works

We offered some useful insights on how new investors can get in the game. Building a plan around automation, diversification, cost control, and discipline can create success over a lifetime of investing. While there are many popular strategies to growing wealth, the one that works best is based in just a few simple rules.

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Weekly industry news roundup – March 13, 2017

Yahoo Finance posted an article discussing the growing membership of the Marketplace Lending Association.
PYMNTS published an article announcing the introduction of blockchain technology into marketplace lending.
Forbes generated a piece discussing how “In 10 short years, P2P lending has facilitated over $35 billion of loans in the US.”
CIO offered a brief review of how marketplace lenders are continuing to influence the future plans of conventional banks.
Gadget discussed the emergence of P2P firms in countries like Africa.

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Why more millennials are looking beyond stocks and bonds when investing

We took a longer look at how a younger generation of investors are embracing more asset classes to deliver better returns with managed risk. Accessibility, transparency, and growth are the three key reasons why new investors are seeking marketplace lending as a way to round out their portfolio.

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Monthly origination summary for February 2017

On Thursday we brought you our regular review of origination totals by country and loan rating. Originations for the month of February dipped since last month as our total reached €2,460,575. Generally, investors seeking a balance between risk and reward focused on B and C rated loans representing the two most popular choices as measured by proportion across all countries at 18.97% and 22.23% respectively.

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POSTS FROM PAST WEEK

We are launching our new investor webinar series on March 23, 2017

Yesterday we announced the launch of our new webinar series! The first webinar will take place on March 23, 2017 and we invite everyone interested to join and take part of the discussions.

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Weekly industry news roundup – March 6, 2017

Times Leader published an article citing the growing interest among major financial firms (Goldman Sachs) to create their own marketplace lending businesses.
Crowdfund Insider shared news of Orchard’s release of Q4, 2016 marketplace lending data.
Tech Node discussed emerging marketplace regulations in China, which published an outline of new rules designed to create a more sustainable framework around P2P investing.
Growth Business took a look at how marketplace lending is upending the old fashioned process of working through a bank for loan approval by cutting through the time-consuming process and introducing fluidity, speed and transparency into the finance market.
The Federal Reserve Bank of San Francisco cited peer-to-peer lending as one of “5 Fintech Trends Shaping Finance in Asia.”
Bondora got mentioned in two articles last week:
P2P Banking shared the international P2P lending lending statistics for February of 2017.
Estonian World reported on the country’s “continuing trend of innovation.”, where Bondora was referenced as an example of a recent fintech startup making progress.

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How do returns and volatility in marketplace lending compare to the stock market?

Last Thursday we took a deeper dive into the topic of returns and volatility. More specifically we looked how these key aspects compare in both marketplace lending and stock market. The main takeaway according to the findings is that diversified portfolios which include alternative investments as asset class tend reduce the volatility (risk) while not sacrificing the returns.

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POSTS FROM PAST WEEK

Bondora portfolio performance – February 2017

On Tuesday we shared February’s portfolio performance overview of the returns across all countries in the Bondora platform. The latest performance data marks the fifth consecutive quarter of realised net returns exceeding the targeted figure.

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Weekly industry news roundup – February 27, 2017

Forbes interviewed Matt Burton, the CEO of Orchard. His firm empowers marketplace investors by aggregating data across more than 20 P2P firms.
The Washington Post published an article revealing that mortgage money is flowing away from big banks and into marketplace lenders.
Entrepreneur discussed four trends impacting online business lending: more offerings, bank partnerships, self-imposed regulations, and possible government regulations.
Spend Matters Network discussed how marketplace lenders are increasingly offering faster and less expensive ways to fund small business operations.
Huffington Post cited marketplace lending as one of aspect of “6 Ways to Make (Legit) Money While You Sleep.”
Our founder and CEO, Pärtel Tomberg, shared his views on Borse Online.

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Understand Secondary Market activity with new statistics chart

On Friday we explained a new chart available on the General Statistics page. The Secondary Market Statistics chart gives users an overall view of how lending has grown on Bondora and the proportion of the total with discount, at par value and with premium.

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Everything you need for tax season in one place

On Thursday last week we explained how investors can quickly access customizable reports for their annual tax filings. For many of our users the Tax Report and Income Report offer all the details you need to complete your tax returns.

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POSTS FROM PAST WEEK

Help us find our new Head of Investor Relations and earn €1,000

Bondora Capital is searching for Head of Investor Relations. Finding the perfect person will help you getting the best service possible from Bondora. This is why we are giving away €1,000 in cash to make it worthwhile for helping us.

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Weekly industry news roundup – February 20, 2017

GlobeSt published an article exploring the broad based acceptance of marketplace lending in the borrowing community.
National Mortgage News wrote about the “era of self-service online mortgages.”
Crowdfund Insider discussed the changes to the marketplace lending industry in 2016 and beyond. The future of P2P lending will likely include greater institutional business to supplement the retail segment.
Value Walk discussed why marketplace lending may “earn 7% returns in a 2.5% world.”
Forbes discussed how growing college tuition is pushing the marketplace lending industry higher.

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Taxation of P2P investments in Estonia

We provided a detailed breakdown of how Estonian residents are taxed on marketplace lending earnings. Additionally, we provided resource links for further reading. We also included information detailing where to find the data to accurately report earnings for your taxes.

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Performance of recovery process – February, 2017

We provided our usual monthly overview of Bondora’s recoveries. Finland, Spain and Slovakia have each made strong improvements in their 2016 average recovery performance relative to their total combined average for 2014 and 2015. Throughout 2015 and 2016 Spain, Finland and Estonia have all experienced periods of improved recovery. Along with improvements, all three countries saw an average decrease of three percentage points in Q1 and Q2 of 2015 compared to last month.

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POSTS FROM PAST WEEK

Bondora Capital is searching for Head of Investor Relations

Yesterday we announced that we have a position open for Head of Investor Relations. As we continue to grow our retail base of more than 20,000 investors across 40 countries, we need someone who is able to communicate with our investors. We’re looking for someone with strong communication skills and an understanding of the marketplace lending world. Please send your CV and cover letter to: partel.tomberg@bondora.com.

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Weekly industry news roundup – February 13, 2017

Forbes published an article examining what a possible Dodd-Frank rollback could mean for marketplace lenders.
Fortune posted an article about Accenture’s move into the business of blockchain software technology.
Business Insider discussed a venture called MarketInvoice designed to provide businesses easy access to loans.
Crowdfund Insider released a piece titled, “The Potential of ‘Crowdlending,’” discussing the need for traditional banks to stay competitive amid the rise of P2P lending.
Fast Company wrote an article exploring the use of proprietary underwriting scores in lieu of the more traditional FICO number.

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Why you need marketplace lending to diversify your asset classes

We took a closer look at the importance of an asset allocation strategy. Invest have long relied on just the two asset classes of stocks and bonds to diversify holdings. However, we reviewed why a rise in domestic and equity correlations and stock/bond correlations hinders risk management. ALternative investments lik marketplace lending help expand your asset classes.

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Upcoming improvements and changes to the statistics pages

On Thursday of last week we reviewed some changes designed to make our statistics more user friendly. These adjustments allow investors to customize their settings. Additionally, users can view multiple pie charts at the same time to get a more holistic overview of their investment performance.

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POSTS FROM PAST WEEK

Monthly origination summary for January 2017

January was a strong month for originations. Bondora issued €3,233,045 in new loans as we came within €105,525 of matching our all-time record high. “C” Rated loans comprised the greatest share at 23,57% of the total.

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Weekly industry news roundup – February 6, 2017

Forbes published an article examining recent moves by US-based investment advisor Third Point to capitalize on the world of marketplace lending.
FinancialBuzz shared findings which show a rise in marketplace lending activity in the fourth quarter of 2016.
Digital Journal released a piece discussing how technological innovation has driven the spread of global P2P interfaces.
Bloomberg released an article reviewing the long-term plans of financial software company Misys to enter the peer-to-peer lending world.
Satellite PR News released information from a Peer-to-Peer Lending Market report projecting an industry compound annual growth rate of 53.06% by 2020.

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Why isn’t the Portfolio Manager investing my funds faster?

In this post we shed some light on the question often asked by our investors – why the Portfolio Manager sometimes isn’t investing funds at sufficient speed. The reason is the popularity of the higher rated loans. Naturally, many of our investors are eager to fund borrowers with a less risky credit profile. Resultantly, the AA, A, and B rated loans are exceedingly popular. We visualize this fact with a graph representing this relationship with a variable that reflects the bid competition for each rating.

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Changes to Bondora notifications and emails

Starting from January, we’ve been sending our investors a new-look daily summary email with concise overview of all the important account related information, performance data and news. The revamped email structure aims to make the account related information more accessible and visible by bringing it all into one place. Due to this change, we removed the duplicating feature Private Inbox from the user interface on February 6, 2017.

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