Public Reports

All our datasets are updated daily. We recommend that you use the datasets to run your own portfolio analysis and adjust your investment strategy.

Please refer to the legends below for a quick overview of the codes and terms used in the datasets.

Platform Shared Dataset Legends

All datasets are in Comma Separated Values (CSV) format and compressed into ZIP file.

The comma-separated values (CSV) format is a widely used text file format that contains multiple records (one per line), and each field is delimited by a comma.

  • Each record is located on a separate line, delimited by a line break (CRLF).
  • The last record in the file may or may not have an ending line break.
  • There is a header line appearing as the first line of the file with the same format as normal record lines. This header will contain names corresponding to the fields in the file and contains the same number of fields as the records in the rest of the file.
  • Within the header and each record, there may be one or more fields, separated by commas (,). Each line contains the same number of fields throughout the file. Spaces are considered part of a field and should not be ignored. The last field in the record is not followed by a comma.
  • Fields containing commas are enclosed in double-quotes.
  • Period/full point (.) is used as decimal separator symbol
  • Date and time is formatted as YYYY-MM-DD HH:mm:ss where YYYY is 4-digit year, MM is 2-digit month, DD is 2-digit day, HH is 2-digit hours, mm is 2-digit minutes and ss is 2-digit seconds. When only date is used, the format is YYYY-MM-DD and when only year and month is used, the format is YYYY-MM.
Name Primary Market Loan Dataset Investments Sec. Market Description
API UI API Public Private API UI API UI
ActiveLateCategory                   When a loan is in Principal Debt then it will be categorized by Principal Debt days
ActiveScheduleFirstPaymentReached                   Whether the first payment date has been reached according to the active schedule
Age                   The age of the borrower when signing the loan application
AppliedAmount                   The amount borrower applied for originally
AuctionId                   A unique number given to all auctions
BidsApi                   The amount of investment offers made via Api
BidsManual                   The amount of investment offers made manually
BidsPortfolioManager
BidsInvestmentPlan
                  The amount of investment offers made by Portfolio Managers
BidPrincipal
InvestmentPrincipal
                  On Primary Market BidPrincipal is the amount you made your bid on
On Secondary Market BidPrincipal is the purchase price
BoughtFromResale_Date
BoughtFromResale
                  The time when the investment was purchased from the Secondary Market
City                   City of the borrower
ContractEndDate                   The date when the loan contract ended
Country                   Residency of the borrower
County                   County of the borrower
CreditScoreEeMini
credit_score
                  1000 No previous payments problems 900 Payments problems finished 24-36 months ago 800 Payments problems finished 12-24 months ago 700 Payments problems finished 6-12 months ago 600 Payment problems finished < 6 months ago 500 Active payment problems
CreditScoreEsEquifaxRisk                   Generic score for the loan applicants that do not have active past due operations in ASNEF; a measure of the probability of default one year ahead; the score is given on a 6-grade scale: AAA (“Very low”), AA (“Low”), A (“Average”), B (“Average High”), C (“High”), D (“Very High”).
CreditScoreEsMicroL                   A score that is specifically designed for risk classifying subprime borrowers (defined by Equifax as borrowers that do not have access to bank loans); a measure of the probability of default one month ahead; the score is given on a 10-grade scale, from the best score to the worst: M1, M2, M3, M4, M5, M6, M7, M8, M9, M10.
CreditScoreFiAsiakasTietoRiskGrade                   Credit Scoring model for Finnish Asiakastieto RL1 Very low risk 01-20 RL2 Low risk 21-40 RL3 Average risk 41-60 RL4 Big risk 61-80 RL5 Huge risk 81-100
CurrentDebtDaysPrimary
CurrentDebtDays
                  How long the loan has been in Principal Debt
CurrentDebtDaysSecondary                   How long the loan has been in Interest Debt
DebtOccuredOn                   The date when Principal Debt occurred
DebtOccuredOnForSecondary                   The date when Interest Debt occurred
DebtToIncome                   Ratio of borrower''s monthly gross income that goes toward paying loans
DefaultDate
Default_StartDate
                  The date when loan went into defaulted state and collection process was started
DateOfBirth                   The date of the borrower''s birth
DesiredDiscountRate                   Investment being sold at a discount or premium
Education
education_id
                  1 Primary education 2 Basic education 3 Vocational education 4 Secondary education 5 Higher education
EL_V0                   Expected loss calculated by the specified version of Rating model
EL_V1                   Expected loss calculated by the specified version of Rating model
EL_V2                   Expected loss calculated by the specified version of Rating model
EmploymentDurationCurrentEmployer
Employment_Duration_Current_Employer
                  Employment time with the current employer
EmploymentPosition                   Employment position with the current employer
EmploymentStatus
employment_status_id
                  1 Unemployed 2 Partially employed 3 Fully employed 4 Self-employed 5 Entrepreneur 6 Retiree
ExistingLiabilities
TotalLiabilitiesBeforeLoan
                  Borrower''s number of existing liabilities
ExpectedLoss
EL
                  Expected Loss calculated by the current Rating model
ExpectedReturn                   Expected Return calculated by the current Rating model
FirstPaymentDate                   First payment date according to initial loan schedule
FreeCash                   Discretionary income after monthly liabilities
Gender                   0 Male 1 Woman 2 Undefined
HomeOwnershipType
home_ownership_type_id
                  0 Homeless 1 Owner 2 Living with parents 3 Tenant, pre-furnished property 4 Tenant, unfurnished property 5 Council house 6 Joint tenant 7 Joint ownership 8 Mortgage 9 Owner with encumbrance
IncomeFromChildSupport                   Borrower''s income from alimony payments
IncomeFromFamilyAllowance                   Borrower''s income from child support
IncomeFromLeavePay                   Borrower''s income from paternity leave
IncomeFromPension                   Borrower''s income from pension
IncomeFromPrincipalEmployer
income_from_principal_employer
                  Borrower''s income from its employer
IncomeFromSocialWelfare                   Borrower''s income from social support
IncomeOther
income_other
                  Borrower''s income from other sources
IncomeTotal
income_total
                  Borrower''s total income
Interest                   Maximum interest rate accepted in the loan application
InterestRecovery
Recovery(split into two)
                  Interest recovered due to collection process from in debt loans
LanguageCode
language_code
                  1 Estonian 2 English 3 Russian 4 Finnish 5 German 6 Spanish 9 Slovakian
LiabilitiesTotal
TotalMonthlyLiabilities
                  Total monthly liabilities
ListedOnUTC                   Date when the loan application appeared on Primary Market
LoanDuration                   Current loan duration in months
LoanId                   A unique ID given to all loan applications
note_id                   A unique ID given to the investments
LoanNumber                   A unique number given to all loan applications
LossGivenDefault                   Gives the percentage of outstanding exposure at the time of default that an investor is likely to lose if a loan actually defaults. This means the proportion of funds lost for the investor after all expected recovery and accounting for the time value of the money recovered. In general, LGD parameter is intended to be estimated based on the historical recoveries. However, in new markets where limited experience does not allow us more precise loss given default estimates, a LGD of 90% is assumed.
MaritalStatus
marital_status_id
                  1 Married 2 Cohabitant 3 Single 4 Divorced 5 Widow
MaturityDate_Last                   Loan maturity date according to the current payment schedule
MaturityDate_Original                   Loan maturity date according to the original loan schedule
ModelVersion                   The version of the Rating model used for issuing the Bondora Rating
MonthlyPayment
NewLoanMonthlyPayment
                  Estimated amount the borrower has to pay every month
MonthlyPaymentDay                   The day of the month the loan payments are scheduled for The actual date is adjusted for weekends and bank holidays (e.g. if 10th is Sunday then the payment will be made on the 11th in that month)
NewCreditCustomer                   Did the customer have prior credit history in Bondora 0 Customer had at least 3 months of credit history in Bondora 1 No prior credit history in Bondora
NrOfDependants
nr_of_dependants
                  Number of children or other dependants
OccupationArea
occupation_area
                  1 Other 2 Mining 3 Processing 4 Energy 5 Utilities 6 Construction 7 Retail and wholesale 8 Transport and warehousing 9 Hospitality and catering 10 Info and telecom 11 Finance and insurance 12 Real-estate 13 Research 14 Administrative 15 Civil service & military 16 Education 17 Healthcare and social help 18 Art and entertainment 19 Agriculture, forestry and fishing
OnSaleSince                   Time when the investment was added to Secondary Market
PlannedInterestPostDefault                   The amount of interest that was planned to be received after the default occurred
PlannedInterestTillDate                   According to active schedule the amount of interest the investment should have received
PlannedPrincipalPostDefault                   The amount of principal that was planned to be received after the default occurred
PlannedPrincipalTillDate                   According to active schedule the amount of principal the investment should have received
PrincipalOverdueBySchedule
PrincipalOverdue
                  According to the current schedule, principal that is overdue
PrincipalRecovery
Recovery(was split into two)
                  Principal recovered due to collection process from in debt loans
ProbabilityOfDefault                   Probability of Default, refers to a loan’s probability of default within one year horizon.
PurchasePrice                   Investment amount or secondary market purchase price
Rating                   Bondora Rating issued by the Rating model
Rating_V0                   Bondora Rating issued by version 0 of the Rating model
Rating_V1                   Bondora Rating issued by version 1 of the Rating model
Rating_V2                   Bondora Rating issued by version 2 of the Rating model
RecoveryStage                   Current stage according to the recovery model 1 Collection 2 Recovery 3 Write Off
RefinanceLiabilities                   The total amount of liabilities after refinancing
Restructured                   The original maturity date of the loan has been increased by more than 30 days
SoldInResale_Date
SoldInResale
                  The date when the investment was sold on Secondary market
SoldInResale_Price                   The price of the investment that was sold on Secondary market
SoldInResale_Principal                   The principal remaining of the investment that was sold on Secondary market
StageActiveSince                   How long the current recovery stage has been active
Status                   The current status of the loan application
UseOfLoan                   0 Loan consolidation 1 Real estate 2 Home improvement 3 Business 4 Education 5 Travel 6 Vehicle 7 Other 8 Health 101 Working capital financing 102 Purchase of machinery equipment 103 Renovation of real estate 104 Accounts receivable financing 105 Acquisition of means of transport 106 Construction finance 107 Acquisition of stocks 108 Acquisition of real estate 109 Guaranteeing obligation 110 Other business All codes in format 1XX are for business loans that are not supported since October 2012
UserName                   The user name generated by the system for the borrower
VerificationType                   Method used for loan application data verification 1 Income unverified 2 Income unverified, cross-referenced by phone 3 Income verified 4 Income and expenses verified
WorkExperience
work_experience
                  Borrower''s overall work experience in years
WorseLateCategory                   Displays the last longest period of days when the loan was in Principal Debt
EAD1                   Exposure at default, outstanding principal at default
EAD2                   Exposure at default, loan amount less all payments prior to default
Amount
FundedAmount
                  Amount the borrower received on the Primary Market.
This is the principal balance of your purchase from Secondary Market
LastPaymentOn                   The date of the current last payment received from the borrower
LoanDate                   Date when the loan was issued
AuctionBidNumber
InvestmentNumber(second half)
                  Unique bid number which is accompanied by Auction number
AuctionNumber
InvestmentNumber(first half)
                  Unique auction number which is accompanied by Bid number
AuctionName                   Name of the Auction, in newer loans it is defined by the purpose of the loan
InterestLateAmount                   Interest debt amount
PrincipalLateAmount
PrincipalDebtAmount
                  Principal debt amount
PenaltyLateAmount                   Late charges debt amount
PrincipalPaymentsMade                   Note owner received loan transfers principal amount
InterestAndPenaltyPaymentsMade
InterestAndPenaltiesPaid
                  Note owner received loan transfers earned interest, penalties total amount
NoteLoanTransfersMainAmount                   The amount of principal the note has received
NoteLoanTransfersInterestAmount                   The amount of interest the note has received
NoteLoanLateChargesPaid                   The amount of late charges the note has received
LoanStatusActiveFrom                   How long the current status has been active
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
XIRR                   XIRR (extended internal rate of return) is a methodology to calculate the net return using the loan issued date and amount, loan repayment dates and amounts and the principal balance according to the original repayment date. All overdue principal payments are written off immediately. No provisions for future losses are made & only received (not accrued or scheduled) interest payments are taken into account.
PrincipalWriteOffs                   Principal that was written off on the investment
InterestAndPenaltyWriteOffs                   Interest that was written off on the investment
PrincipalDebtServicingCost                   Service cost related to the recovery of the debt based on the principal of the investment
InterestAndPenaltyDebtServicingCost                   Service cost related to the recovery of the debt based on the interest and penalties of the investment
PrincipalBalance
OutstandingPrincipal
                  Principal that still needs to be paid by the borrower
InterestAndPenaltyBalance
UnpaidInterestOutstanding
                  Unpaid interest and penalties
NoOfPreviousLoansBeforeLoan
NoOfPreviousLoans
                  Number of previous loans
AmountOfPreviousLoansBeforeLoan
AmountOfPreviousLoans
                  Value of previous loans
PreviousRepaymentsBeforeLoan
PreviousRepayments
                  How much the borrower had repaid before the loan
PreviousEarlyRepaymentsBeforeLoan
PreviousEarlyRepayments
                  How much was the early repayment amount before the loan
PreviousEarlyRepaymentsCountBeforeLoan                   How many times the borrower had repaid early
GracePeriodStart                   Date of the beginning of Grace period
GracePeriodEnd                   Date of the end of Grace period
CreditDecision                   [OBSOLETE]
WasFunded                   [OBSOLETE]
IsBusinessLoan                   [OBSOLETE]
1D FromFirstPayment                   [OBSOLETE]
14D FromFirstPayment                   [OBSOLETE]
30D FromFirstPayment                   [OBSOLETE]
60D FromFirstPayment                   [OBSOLETE]
CreditGroup                   [OBSOLETE]
TotalNumDebts                   [OBSOLETE]
TotalMaxDebtMonths                   [OBSOLETE]
NumDebtsFinance                   [OBSOLETE]
MaxDebtMonthsFinance                   [OBSOLETE]
NumDebtsTelco                   [OBSOLETE]
MaxDebtMonthsTelco                   [OBSOLETE]
NumDebtsOther                   [OBSOLETE]
MaxDebtMonthsOther                   [OBSOLETE]
IssuedInterest                   [OBSOLETE]
ApplicationType                   [OBSOLETE]
DebtLiabilitiesBeforeLoan                   [OBSOLETE]
OtherLiabilitiesBeforeLoan                   [OBSOLETE]
AppliedAmountToIncome                   [OBSOLETE]
LiabilitiesToIncome                   [OBSOLETE]
NewPaymentToIncome                   [OBSOLETE]
CountOfBankCredits                   [OBSOLETE]
SumOfBankCredits                   [OBSOLETE]
CountOfPaydayLoans                   [OBSOLETE]
SumOfPaydayLoans                   [OBSOLETE]
CountOfOtherCredits                   [OBSOLETE]
SumOfOtherCredits                   [OBSOLETE]
NoOfPreviousApplications                   [OBSOLETE]
AmountOfPreviousApplications                   [OBSOLETE]
NoOfInvestments                   [OBSOLETE]
AmountOfInvestments                   [OBSOLETE]
NoOfBids                   [OBSOLETE]
AmountOfBids                   [OBSOLETE]
PreviousLateFeesPaid                   [OBSOLETE]
HasExtendedSchedule                   [OBSOLETE]
BondoraCreditHistory                   [OBSOLETE]
NewOfferMade                   [OBSOLETE]
CancelledWithin14Days                   [OBSOLETE]
CurrentLoanHasBeenExtended                   [OBSOLETE]
InDebt1Day                   [OBSOLETE]
InDebt14Day                   [OBSOLETE]
InDebt30Day                   [OBSOLETE]
InDebt60Day                   [OBSOLETE]
LeftMoneyForFirstPayment                   [OBSOLETE]
IsFirstPaymentDefault                   [OBSOLETE]
InDebt1Day_StartDate                   [OBSOLETE]
InDebt1Day_Principal                   [OBSOLETE]
InDebt1Day_PrincipalProportion                   [OBSOLETE]
InDebt1Day_Interest                   [OBSOLETE]
InDebt1Day_Exposure                   [OBSOLETE]
InDebt1Day_TotalRepayments                   [OBSOLETE]
InDebt7Day_StartDate                   [OBSOLETE]
InDebt7Day_Principal                   [OBSOLETE]
InDebt7Day_PrincipalProportion                   [OBSOLETE]
InDebt7Day_Interest                   [OBSOLETE]
InDebt7Day_Exposure                   [OBSOLETE]
InDebt7Day_TotalRepayments                   [OBSOLETE]
InDebt14Day_StartDate                   [OBSOLETE]
InDebt14Day_Principal                   [OBSOLETE]
InDebt14Day_PrincipalProportion                   [OBSOLETE]
InDebt14Day_Interest                   [OBSOLETE]
InDebt14Day_Exposure                   [OBSOLETE]
InDebt14Day_TotalRepayments                   [OBSOLETE]
InDebt21Day_StartDate                   [OBSOLETE]
InDebt21Day_Principal                   [OBSOLETE]
InDebt21Day_PrincipalProportion                   [OBSOLETE]
InDebt21Day_Interest                   [OBSOLETE]
InDebt21Day_Exposure                   [OBSOLETE]
InDebt21Day_TotalRepayments                   [OBSOLETE]
InDebt30Day_StartDate                   [OBSOLETE]
InDebt30Day_Principal                   [OBSOLETE]
InDebt30Day_PrincipalProportion                   [OBSOLETE]
InDebt30Day_Interest                   [OBSOLETE]
InDebt30Day_Exposure                   [OBSOLETE]
InDebt30Day_TotalRepayments                   [OBSOLETE]
InDebt60Day_StartDate                   [OBSOLETE]
InDebt60Day_Principal                   [OBSOLETE]
InDebt60Day_PrincipalProportion                   [OBSOLETE]
InDebt60Day_Interest                   [OBSOLETE]
InDebt60Day_Exposure                   [OBSOLETE]
InDebt60Day_TotalRepayments                   [OBSOLETE]
DebtRestructuringDate                   [OBSOLETE]
Principal_at_DebtRestructuring                   [OBSOLETE]
PrincipalProportion_at_DebtRestructuring                   [OBSOLETE]
Interest_at_DebtRestructuring                   [OBSOLETE]
Exposure_at_DebtRestructuring                   [OBSOLETE]
TotalRepayments_at_DebtRestructuring                   [OBSOLETE]
Principal_at_Default                   [OBSOLETE]
PrincipalProportion_at_Default                   [OBSOLETE]
InterestDebt_at_Default                   [OBSOLETE]
Exposure_at_Default                   [OBSOLETE]
TotalRepayments_at_Default                   [OBSOLETE]
DefaultedOnDay                   [OBSOLETE]
AD                   [OBSOLETE]
ScoringDate                   [OBSOLETE]
IsInactiveDuplicate                   [OBSOLETE]
AssociatedDuplicateLoanId                   [OBSOLETE]
CancelledWithin1Month                   [OBSOLETE]
EarlyRepaidWithin14Days                   [OBSOLETE]
PostFundingCancellation                   [OBSOLETE]
ScoringDate_V0                   [OBSOLETE]
ScoringDate_V1                   [OBSOLETE]
ScoringDate_V2                   [OBSOLETE]
IdCancellation                   [OBSOLETE]
InvestmentNumber                   [OBSOLETE]
InvestmentPlanID                   [OBSOLETE]
Is1DFromFirstPayment                   [OBSOLETE]
Is14DFromFirstPayment                   [OBSOLETE]
Is30DFromFirstPayment                   [OBSOLETE]
Is60DFromFirstPayment                   [OBSOLETE]
CurrentInterest                   [OBSOLETE]

Platform Dataset Legends

Cash Flow Statement

Name

Description

LoansIssued

The amount of loans issued during the period

PaidPrincipal

The amount of principal repaid during the period

PaidInterest

The amount of interest paid during the period

PaidPenalties

The amount of late charges paid during the period

 

Income Statement

Name

Description

InterestAccrued

The amount of interest accrued during the period

PenaltiesAccrued

The amount of late charges accrued during the period

PrincipalDue

The amount of principal due for the period

InterestDue

The amount of interest due for the period

RecheduledPrincipalDebt

The amount of overdue principal rescheduled during the period

RecheduledInterestDebt

The amount of overdue interest rescheduled during the period

RecheduledPenaltyDebt

The amount of late charges rescheduled during the period

 

Balance Sheet

Name

Description

LoanBalanceTotal

The total amount of outstanding principal

LoanBalance Current (By Principal)

The outstanding principal of current loans based on principal payments

LoanBalance 1-30 (By Principal)

The outstanding principal amount of 1-30 days overdue loans based on the principal debt start date

LoanBalance 31-60 (By Principal)

The outstanding principal amount of 31-60 days overdue loans based on the principal debt start date

LoanBalance 61-90 (By Principal)

The outstanding principal amount of 61-90 days overdue loans based on the principal debt start date

LoanBalance 91-120 (By Principal)

The outstanding principal amount of 91-120 days overdue loans based on the principal debt start date

LoanBalance 121-150 (By Principal)

The outstanding principal amount of 121-150 days overdue loans based on the principal debt start date

LoanBalance 151-180 (By Principal)

The outstanding principal amount of 151-180 days overdue loans based on the principal debt start date

LoanBalance 181+ (By Principal)

The outstanding principal amount of 181+ days overdue loans based on the principal debt start date

LoanBalance Current (By Secondary Debt)

The outstanding principal of current loans based on the interest and late charge payments

LoanBalance 1-30 (By Secondary Debt)

The outstanding principal amount of 1-30 days overdue loans based on the interest and late charge debt start date

LoanBalance 31-60 (By Secondary Debt)

The outstanding principal amount of 31-60 days overdue loans based on the interest and late charge debt start date

LoanBalance 61-90 (By Secondary Debt)

The outstanding principal amount of 61-90 days overdue loans based on the interest and late charge debt start date

LoanBalance 91-120 (By Secondary Debt)

The outstanding principal amount of 91-120 days overdue loans based on the interest and late charge debt start date

LoanBalance 121-150 (By Secondary Debt)

The outstanding principal amount of 121-150 days overdue loans based on the interest and late charge debt start date

LoanBalance 151-180 (By Secondary Debt)

The outstanding principal amount of 151-180 days overdue loans based on the interest and late charge debt start date

LoanBalance 181+ (By Secondary Debt)

The outstanding principal amount of 181+ days overdue loans based on the interest and late charge debt start date

InterestAccrualTotal

The total amount of accrued interest

InterestAccrual Current (By Principal)

The total amount of accrued interest for current loans, based on principal payments

InterestAccrual 1-30 (By Principal)

The accrued interest amount for 1-30 days overdue loans based on the principal debt start date

InterestAccrual 31-60 (By Principal)

The accrued interest amount for 31-60 days overdue loans based on the principal debt start date

InterestAccrual 61-90 (By Principal)

The accrued interest amount for 61-90 days overdue loans based on the principal debt start date

InterestAccrual 91-120 (By Principal)

The accrued interest amount for 91-120 days overdue loans based on the principal debt start date

InterestAccrual 121-150 (By Principal)

The accrued interest amount for 121-150 days overdue loans based on the principal debt start date

InterestAccrual 151-180 (By Principal)

The accrued interest amount for 151-180 days overdue loans based on the principal debt start date

InterestAccrual 181+ (By Principal)

The accrued interest amount for 181+ days overdue loans based on the principal debt start date

InterestAccrual Current (By Secondary Debt)

The total amount of accrued interest for current loans, based on the interest and late charge payments

InterestAccrual 1-30 (By Secondary Debt)

The accrued interest amount for 1-30 days overdue loans based on the interest and late charge debt start date

InterestAccrual 31-60 (By Secondary Debt)

The accrued interest amount for 31-60 days overdue loans based on the interest and late charge debt start date

InterestAccrual 61-90 (By Secondary Debt)

The accrued interest amount for 61-90 days overdue loans based on the interest and late charge debt start date

InterestAccrual 91-120 (By Secondary Debt)

The accrued interest amount for 91-120 days overdue loans based on the interest and late charge debt start date

InterestAccrual 121-150 (By Secondary Debt)

The accrued interest amount for 121-150 days overdue loans based on the interest and late charge debt start date

InterestAccrual 151-180 (By Secondary Debt)

The accrued interest amount for 151-180 days overdue loans based on the interest and late charge debt start date

InterestAccrual 181+ (By Secondary Debt)

The accrued interest amount for 181+ days overdue loans based on the interest and late charge debt start date

PrincipalOverdueTotal

The total amount of overdue principal

PrincipalOverdue Current (By Principal)

The overdue principal amount for current loans based on the principal payments

PrincipalOverdue 1-30 (By Principal)

The overdue principal amount for 1-30 days overdue loans based on the principal debt start date

PrincipalOverdue 31-60 (By Principal)

The overdue principal amount for 31-60 days overdue loans based on the principal debt start date

PrincipalOverdue 61-90 (By Principal)

The overdue principal amount for 61-90 days overdue loans based on the principal debt start date

PrincipalOverdue 91-120 (By Principal)

The overdue principal amount for 91-120 days overdue loans based on the principal debt start date

PrincipalOverdue 121-150 (By Principal)

The overdue principal amount for 121-150 days overdue loans based on the principal debt start date

PrincipalOverdue 151-180 (By Principal)

The overdue principal amount for 151-180 days overdue loans based on the principal debt start date

PrincipalOverdue 181+ (By Principal)

The overdue principal amount for 181+ days overdue loans based on the principal debt start date

PrincipalOverdue Current (By Secondary Debt)

The total amount of overdue principal for current loans, based on the interest and late charge payments

PrincipalOverdue 1-30 (By Secondary Debt)

The overdue principal amount for 1-30 days overdue loans based on the interest and late charge debt start date

PrincipalOverdue 31-60 (By Secondary Debt)

The overdue principal amount for 31-60 days overdue loans based on the interest and late charge debt start date

PrincipalOverdue 61-90 (By Secondary Debt)

The overdue principal amount for 61-90 days overdue loans based on the interest and late charge debt start date

PrincipalOverdue 91-120 (By Secondary Debt)

The overdue principal amount for 91-120 days overdue loans based on the interest and late charge debt start date

PrincipalOverdue 121-150 (By Secondary Debt)

The overdue principal amount for 121-150 days overdue loans based on the interest and late charge debt start date

PrincipalOverdue 151-180 (By Secondary Debt)

The overdue principal amount for 151-180 days overdue loans based on the interest and late charge debt start date

PrincipalOverdue 181+ (By Secondary Debt)

The overdue principal amount for 181+ days overdue loans based on the interest and late charge debt start date

InterestOverdueTotal

The total amount of overdue interest

InterestOverdue Current (By Principal)

The total amount of overdue interest for current loans, based on principal payments

InterestOverdue 1-30 (By Principal)

The overdue interest amount for 1-30 days overdue loans based on the principal debt start date

InterestOverdue 31-60 (By Principal)

The overdue interest amount for 31-60 days overdue loans based on the principal debt start date

InterestOverdue 61-90 (By Principal)

The overdue interest amount for 61-90 days overdue loans based on the principal debt start date

InterestOverdue 91-120 (By Principal)

The overdue interest amount for 91-120 days overdue loans based on the principal debt start date

InterestOverdue 121-150 (By Principal)

The overdue interest amount for 121-150 days overdue loans based on the principal debt start date

InterestOverdue 151-180 (By Principal)

The overdue interest amount for 151-180 days overdue loans based on the principal debt start date

InterestOverdue 181+ (By Principal)

The overdue interest amount for 181+ days overdue loans based on the principal debt start date

InterestOverdue Current (By Secondary Debt)

The total amount of overdue interest for current loans, based on the interest and late charge payments

InterestOverdue 1-30 (By Secondary Debt)

The overdue interest amount for 1-30 days overdue loans based on the interest and late charge debt start date

InterestOverdue 31-60 (By Secondary Debt)

The overdue interest amount for 31-60 days overdue loans based on the interest and late charge debt start date

InterestOverdue 61-90 (By Secondary Debt)

The overdue interest amount for 61-90 days overdue loans based on the interest and late charge debt start date

InterestOverdue 91-120 (By Secondary Debt)

The overdue interest amount for 91-120 days overdue loans based on the interest and late charge debt start date

InterestOverdue 121-150 (By Secondary Debt)

The overdue interest amount for 121-150 days overdue loans based on the interest and late charge debt start date

InterestOverdue 151-180 (By Secondary Debt)

The overdue interest amount for 151-180 days overdue loans based on the interest and late charge debt start date

InterestOverdue 181+ (By Secondary Debt)

The overdue interest amount for 181+ days overdue loans based on the interest and late charge debt start date

PenaltyDebtTotal

The total amount of outstanding late charges

PenaltyDebt Current (By Principal)

The total amount of outstanding late charges for current loans, based on principal payments

PenaltyDebt 1-30 (By Principal)

The outstanding late charges amount for 1-30 days overdue loans based on the principal debt start date

PenaltyDebt 31-60 (By Principal)

The outstanding late charges amount for 31-60 days overdue loans based on the principal debt start date

PenaltyDebt 61-90 (By Principal)

The outstanding late charges amount for 61-90 days overdue loans based on the principal debt start date

PenaltyDebt 91-120 (By Principal)

The outstanding late charges amount for 91-120 days overdue loans based on the principal debt start date

PenaltyDebt 121-150 (By Principal)

The outstanding late charges amount for 121-150 days overdue loans based on the principal debt start date

PenaltyDebt 151-180 (By Principal)

The outstanding late charges amount for 151-180 days overdue loans based on the principal debt start date

PenaltyDebt 181+ (By Principal)

The outstanding late charges amount for 181+ days overdue loans based on the principal debt start date

PenaltyDebt Current (By Secondary Debt)

The total amount of outstanding late charges for current loans, based on the interest and late charge payments

PenaltyDebt 1-30 (By Secondary Debt)

The outstanding late charges amount for 1-30 days overdue loans based on the interest and late charge debt start date

PenaltyDebt 31-60 (By Secondary Debt)

The outstanding late charges amount for 31-60 days overdue loans based on the interest and late charge debt start date

PenaltyDebt 61-90 (By Secondary Debt)

The outstanding late charges amount for 61-90 days overdue loans based on the interest and late charge debt start date

PenaltyDebt 91-120 (By Secondary Debt)

The outstanding late charges amount for 91-120 days overdue loans based on the interest and late charge debt start date

PenaltyDebt 121-150 (By Secondary Debt)

The outstanding late charges amount for 121-150 days overdue loans based on the interest and late charge debt start date

PenaltyDebt 151-180 (By Secondary Debt)

The outstanding late charges amount for 151-180 days overdue loans based on the interest and late charge debt start date

PenaltyDebt 181+ (By Secondary Debt)

The outstanding late charges amount for 181+ days overdue loans based on the interest and late charge debt start date

Name

Description

loan_id

A unique number given to a loan applications

Date

Date when the payment was made

PrincipalRepayment

The amount of principal repaid

InterestRepayment

The amount of interest paid

LateFeesRepayment

The amount of late charges paid

Name

Description

loan_id

A unique number given to all loan applications

StartDate

Time when the investment was added to Secondary Market

EndDate

Time when the investment was sold or removed from the Secondary Market

Result

The reason why the investment was sold or removed from the Secondary Market

Successful
Cancelled
Failed

DiscountRate

The discount/mark-up set by the seller

DebtDaysAtStart

The number of days the loan had been in debt at StartDate

DebtDaysAtEnd

The number of days the loan had been in debt at EndDate

PrincipalAtStart

Outstanding principal at StartDate

PrincipalAtEnd

Outstanding principal at EndDate

Name

Description

loan_id

A unique number given to all loan applications

Date

Date of the scheduled payment

Principal Payment

Principal amount of the scheduled payment

Interest Payment

Interest amount of the scheduled payment

Rescheduled Accrued Interest

Interest amount of the rescheduled ancillary claim payment

Rescheduled Late Fees

Late charge amount of the rescheduled ancillary claim payment

Personal Dataset Legends

Name

Description

loan_id

A unique number given to all loan applications

note_id

A unique code given to each separate investment

Date

Date when the payment was made

PrincipalRepayment

The amount of principal repaid

InterestRepayment

The amount of interest paid

LateFeesRepayment

The amount of late charges paid

Name

Description

loan_id

A unique number given to all loan applications

note_id

A unique code given to each separate investment

Date

Date of the scheduled payment

PrincipalRepayment

Principal amount of the scheduled payment

InterestRepayment

Interest amount of the scheduled payment

RescheduledAccruedInterest

Interest amount of the rescheduled ancillary claim payment

RescheduledLateFees

Late charge amount of the rescheduled ancillary claim payment

Name

Description

loan_id

A unique number given to all loan applications

note_id

A unique code given to each separate investment

StartDate

Time when the investment was added to Secondary Market

EndDate

Time when the investment left the Secondary Market

Result

The reason why the investment left the Secondary Market

Successful
Cancelled
Failed

DiscountRate

The discount/mark-up set by the seller

DebtDaysAtStart

The number of days this loan had been in debt at StartDate

DebtDaysAtEnd

The number of days this loan had been in debt at EndDate

PrincipalAtStart

Outstanding principal at StartDate

PrincipalAtEnd

Outstanding principal at EndDate

Cash Flow Statement

Name

Description

Deposits

The amount of funds added to Bondora account

Withdrawals

The amount of funds withdrawn from Bondora account to bank account

PendingWithdrawals

The amount of funds in pending withdrawals from Bondora account

FeesPaid

Fees paid by the customer

FeesRefunded

Fees repaid to the customer

LoansIssued

The amount of investments made by the customer

LoansPending

The amount of reserved funds in pending loan applications

RepaidPrincipal

The amount of principal repaid to the customer

RepaidInterest

The amount of interest paid to the customer

RepaidPenalties

The amount of late charges paid to the customer

LoansReceived

The amount of loans taken by the customer

PaidPrincipal

The amount of principal repaid by the customer

PaidInterest

The amount of interest paid by the customer

PaidPenalties

The amount of late charges paid by the customer

ResaleBought

The amount of investments purchased from the Secondary Market

ResaleSold

The amount of investments sold on the Secondary Market

CashBalance

The available funds of the customer

 

Income Statement

Name

Description

InterestAccrued

The amount of interest accrued during the period

PenaltiesAccrued

The amount of late charges accrued during the period

PrincipalDue

The amount of principal due for the period

InterestDue

The amount of interest due for the period

RecheduledPrincipalDebt

The amount of overdue principal rescheduled during the period

RecheduledInterestDebt

The amount of overdue interest rescheduled during the period

RecheduledPenaltyDebt

The amount of late charges rescheduled during the period

 

Balance Sheet

Name

Description

LoanBalanceTotal

The total amount of outstanding principal

LoanBalance Current (P)

The outstanding principal of current loans based on principal payments

LoanBalance 1-30 (P)

The outstanding principal amount of 1-30 days overdue loans based on the principal debt start date

LoanBalance 31-60 (P)

The outstanding principal amount of 31-60 days overdue loans based on the principal debt start date

LoanBalance 61-90 (P)

The outstanding principal amount of 61-90 days overdue loans based on the principal debt start date

LoanBalance 91-120 (P)

The outstanding principal amount of 91-120 days overdue loans based on the principal debt start date

LoanBalance 121-150 (P)

The outstanding principal amount of 121-150 days overdue loans based on the principal debt start date

LoanBalance 151-180 (P)

The outstanding principal amount of 151-180 days overdue loans based on the principal debt start date

LoanBalance 181+ (P)

The outstanding principal amount of 181+ days overdue loans based on the principal debt start date

LoanBalance Current (S)

The outstanding principal of current loans based on the interest and late charge payments

LoanBalance 1-30 (S)

The outstanding principal amount of 1-30 days overdue loans based on the interest and late charge debt start date

LoanBalance 31-60 (S)

The outstanding principal amount of 31-60 days overdue loans based on the interest and late charge debt start date

LoanBalance 61-90 (S)

The outstanding principal amount of 61-90 days overdue loans based on the interest and late charge debt start date

LoanBalance 91-120 (S)

The outstanding principal amount of 91-120 days overdue loans based on the interest and late charge debt start date

LoanBalance 121-150 (S)

The outstanding principal amount of 121-150 days overdue loans based on the interest and late charge debt start date

LoanBalance 151-180 (S)

The outstanding principal amount of 151-180 days overdue loans based on the interest and late charge debt start date

LoanBalance 181+ (S)

The outstanding principal amount of 181+ days overdue loans based on the interest and late charge debt start date

InterestAccrualTotal

The total amount of accrued interest

InterestAccrual Current (P)

The total amount of accrued interest for current loans, based on principal payments

InterestAccrual 1-30 (P)

The accrued interest amount for 1-30 days overdue loans based on the principal debt start date

InterestAccrual 31-60 (P)

The accrued interest amount for 31-60 days overdue loans based on the principal debt start date

InterestAccrual 61-90 (P)

The accrued interest amount for 61-90 days overdue loans based on the principal debt start date

InterestAccrual 91-120 (P)

The accrued interest amount for 91-120 days overdue loans based on the principal debt start date

InterestAccrual 121-150 (P)

The accrued interest amount for 121-150 days overdue loans based on the principal debt start date

InterestAccrual 151-180 (P)

The accrued interest amount for 151-180 days overdue loans based on the principal debt start date

InterestAccrual 181+ (P)

The accrued interest amount for 181+ days overdue loans based on the principal debt start date

InterestAccrual Current (S)

The total amount of accrued interest for current loans, based on the interest and late charge payments

InterestAccrual 1-30 (S)

The accrued interest amount for 1-30 days overdue loans based on the interest and late charge debt start date

InterestAccrual 31-60 (S)

The accrued interest amount for 31-60 days overdue loans based on the interest and late charge debt start date

InterestAccrual 61-90 (S)

The accrued interest amount for 61-90 days overdue loans based on the interest and late charge debt start date

InterestAccrual 91-120 (S)

The accrued interest amount for 91-120 days overdue loans based on the interest and late charge debt start date

InterestAccrual 121-150 (S)

The accrued interest amount for 121-150 days overdue loans based on the interest and late charge debt start date

InterestAccrual 151-180 (S)

The accrued interest amount for 151-180 days overdue loans based on the interest and late charge debt start date

InterestAccrual 181+ (S)

The accrued interest amount for 181+ days overdue loans based on the interest and late charge debt start date

PrincipalOverdueTotal

The total amount of overdue principal

PrincipalOverdue Current (P)

The overdue principal amount for current loans based on the principal payments

PrincipalOverdue 1-30 (P)

The overdue principal amount for 1-30 days overdue loans based on the principal debt start date

PrincipalOverdue 31-60 (P)

The overdue principal amount for 31-60 days overdue loans based on the principal debt start date

PrincipalOverdue 61-90 (P)

The overdue principal amount for 61-90 days overdue loans based on the principal debt start date

PrincipalOverdue 91-120 (P)

The overdue principal amount for 91-120 days overdue loans based on the principal debt start date

PrincipalOverdue 121-150 (P)

The overdue principal amount for 121-150 days overdue loans based on the principal debt start date

PrincipalOverdue 151-180 (P)

The overdue principal amount for 151-180 days overdue loans based on the principal debt start date

PrincipalOverdue 181+ (P)

The overdue principal amount for 181+ days overdue loans based on the principal debt start date

PrincipalOverdue Current (S)

The total amount of overdue principal for current loans, based on the interest and late charge payments

PrincipalOverdue 1-30 (S)

The overdue principal amount for 1-30 days overdue loans based on the interest and late charge debt start date

PrincipalOverdue 31-60 (S)

The overdue principal amount for 31-60 days overdue loans based on the interest and late charge debt start date

PrincipalOverdue 61-90 (S)

The overdue principal amount for 61-90 days overdue loans based on the interest and late charge debt start date

PrincipalOverdue 91-120 (S)

The overdue principal amount for 91-120 days overdue loans based on the interest and late charge debt start date

PrincipalOverdue 121-150 (S)

The overdue principal amount for 121-150 days overdue loans based on the interest and late charge debt start date

PrincipalOverdue 151-180 (S)

The overdue principal amount for 151-180 days overdue loans based on the interest and late charge debt start date

PrincipalOverdue 181+ (S)

The overdue principal amount for 181+ days overdue loans based on the interest and late charge debt start date

InterestOverdueTotal

The total amount of overdue interest

InterestOverdue Current (P)

The total amount of overdue interest for current loans, based on principal payments

InterestOverdue 1-30 (P)

The overdue interest amount for 1-30 days overdue loans based on the principal debt start date

InterestOverdue 31-60 (P)

The overdue interest amount for 31-60 days overdue loans based on the principal debt start date

InterestOverdue 61-90 (P)

The overdue interest amount for 61-90 days overdue loans based on the principal debt start date

InterestOverdue 91-120 (P)

The overdue interest amount for 91-120 days overdue loans based on the principal debt start date

InterestOverdue 121-150 (P)

The overdue interest amount for 121-150 days overdue loans based on the principal debt start date

InterestOverdue 151-180 (P)

The overdue interest amount for 151-180 days overdue loans based on the principal debt start date

InterestOverdue 181+ (P)

The overdue interest amount for 181+ days overdue loans based on the principal debt start date

InterestOverdue Current (S)

The total amount of overdue interest for current loans, based on the interest and late charge payments

InterestOverdue 1-30 (S)

The overdue interest amount for 1-30 days overdue loans based on the interest and late charge debt start date

InterestOverdue 31-60 (S)

The overdue interest amount for 31-60 days overdue loans based on the interest and late charge debt start date

InterestOverdue 61-90 (S)

The overdue interest amount for 61-90 days overdue loans based on the interest and late charge debt start date

InterestOverdue 91-120 (S)

The overdue interest amount for 91-120 days overdue loans based on the interest and late charge debt start date

InterestOverdue 121-150 (S)

The overdue interest amount for 121-150 days overdue loans based on the interest and late charge debt start date

InterestOverdue 151-180 (S)

The overdue interest amount for 151-180 days overdue loans based on the interest and late charge debt start date

InterestOverdue 181+ (S)

The overdue interest amount for 181+ days overdue loans based on the interest and late charge debt start date

PenaltyDebtTotal

The total amount of outstanding late charges

PenaltyDebt Current (P)

The total amount of outstanding late charges for current loans, based on principal payments

PenaltyDebt 1-30 (P)

The outstanding late charges amount for 1-30 days overdue loans based on the principal debt start date

PenaltyDebt 31-60 (P)

The outstanding late charges amount for 31-60 days overdue loans based on the principal debt start date

PenaltyDebt 61-90 (P)

The outstanding late charges amount for 61-90 days overdue loans based on the principal debt start date

PenaltyDebt 91-120 (P)

The outstanding late charges amount for 91-120 days overdue loans based on the principal debt start date

PenaltyDebt 121-150 (P)

The outstanding late charges amount for 121-150 days overdue loans based on the principal debt start date

PenaltyDebt 151-180 (P)

The outstanding late charges amount for 151-180 days overdue loans based on the principal debt start date

PenaltyDebt 181+ (P)

The outstanding late charges amount for 181+ days overdue loans based on the principal debt start date

PenaltyDebt Current (S)

The total amount of outstanding late charges for current loans, based on the interest and late charge payments

PenaltyDebt 1-30 (S)

The outstanding late charges amount for 1-30 days overdue loans based on the interest and late charge debt start date

PenaltyDebt 31-60 (S)

The outstanding late charges amount for 31-60 days overdue loans based on the interest and late charge debt start date

PenaltyDebt 61-90 (S)

The outstanding late charges amount for 61-90 days overdue loans based on the interest and late charge debt start date

PenaltyDebt 91-120 (S)

The outstanding late charges amount for 91-120 days overdue loans based on the interest and late charge debt start date

PenaltyDebt 121-150 (S)

The outstanding late charges amount for 121-150 days overdue loans based on the interest and late charge debt start date

PenaltyDebt 151-180 (S)

The outstanding late charges amount for 151-180 days overdue loans based on the interest and late charge debt start date

PenaltyDebt 181+ (S)

The outstanding late charges amount for 181+ days overdue loans based on the interest and late charge debt start date

Name

Description

TransferDate

The time when the transaction was made

Currency

The currency in which the transaction amounts are shown

Amount

The sum of the transaction

Description

The description of the transaction

Counterparty

The payer or payee

BalanceAfterPayment

The available and reserved balance on Bondora account after the transaction

Name

Description

Country

Residency of the borrower

ContractNumber

A unique contract number

PaidInterest

Interest received from the borrower during the selected period

PaidPenalties

Late charges received from borrower during the selected period

Principal

Initial investment made into the loan

ReturnedPrincipal

Principal repaid during the selected period

LoanIssued

Date when the loan was issued

BoughtPrincipalCurrentPeriod

Outstanding principal of the investment purchased from the Secondary Market during the selected period

BoughtAmountPaidCurrentPeriod

Purchase price of the investment purchased from the Secondary Market during the selected period

BoughtPrincipalPreviousPeriods

Outstanding principal of the investment purchased from the Secondary Market prior to the selected period

BoughtAmountPaidPreviousPeriods

Purchase price of the investment purchased from the Secondary Market prior to the selected period

BoughtDate

Date of purchase of the investment from the Secondary Market

SalePrincipal

Outstanding principal of the investment sold on the Secondary Market during the selected period

SaleAmountReceived

Sale price of the investment sold on the Secondary Market during the selected period

SaleDate

Date of sale of the investment on the Secondary Market