New data points to improve transparency and reporting of investments

We like being transparent here at Bondora, and we like giving you our loan data for your own analysis. You can slice and dice all the data however you want to come up with your own method of selecting loans for investment.

When you look at the Public Reports in the “Shared Legend between Public and Private” there are many different data points that you can look at across loans. For example, a couple of them are BidsPortfolioManager and BidsManual, which ables to compare how many investment offers are made on a loan through Portfolio Manager or done through manual selection.

Maybe you have developed a method of loan selection where you think that selection by one of these methods is more important so you give that more emphasis in your search criteria.

We want you to have as much good quality data as possible to make your loan investment decisions, so we are releasing 14 new data points for the „Investments list“ report which you can see in this table below.

Data point name in reports Description
AuctionBidNumber
InvestmentNumber (second half)
Unique bid number which is accompanied by Auction number
AuctionName Name of the Auction, in newer loans it is defined by the purpose of the loan
AuctionNumber
InvestmentNumber (first half)
Unique auction number which is accompanied by Bid number
InterestLateAmount Interest debt amount
PenaltyLateAmount Late charges debt amount
NoteLoanTransfersInterestAmount The amount of interest the note has received
LoanStatusActiveFrom How long the current status has been active
NoteLoanLateChargesPaid The amount of late charges the note has received
NoteLoanTransfersMainAmount The amount of principal the note has received
NextPaymentDate According to schedule the next date for borrower to make their payment
NextPaymentNr According to schedule the number of the next payment
NextPaymentSum According to schedule the amount of the next payment
NrOfScheduledPayments According to schedule the count of scheduled payments
ReScheduledOn The date when the a new schedule was assigned to the borrower

These include items like PenaltyLateAmount showing the amount of late charges the borrower has to pay and NextPaymentNr which shows the count of scheduled payments made. Another important data point is ReScheduledOn, which shows when a new payment schedule was assigned to a borrower.

All these new data points are not only available in the Public Reports and Investments list report, but they are also mostly available in the Investments section of your Dashboard (see image below). Here in the upper right corner you can click to set the new data points in your own Settings and set them however you wish.

 

dashboard_investments

 

investments_settings

It is particularly helpful to include the Last Payment and Next Payment fields in your Settings especially if you are looking to buy more loans or sell some on the Secondary Market. This is a great way to get a quick glance of what your repayment history on your loans looks like. Today if you saw that all your loans have paid for September already then you would know in about 10 seconds that your portfolio is Current. If some show the last payment as July or June, then you know you have some late payments or slow pays to watch.

Having good data to make your investment decisions is our number 1 priority and this should help you with your loan selection criteria moving forward.