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Bondora Rating Changes and updates Collection and recovery Defaults Return Statistics Strategy Tactics

Bondora default curves per year and Rating

In the comments of a previous post Jan asked if I’ve done any analyses on the timing of when defaults happen on Bondora. I did one back in October of 2014, but that could be relatively outdated and there’s a lot of new data available today. After some consideration and after reading a similar analysis on […]

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Bondora default rates and other statistics

Disclaimer: I ran most of the calculations in one long session so can’t really guarantee that all data is entirely 100% accurate and free of any accidental mistakes with filtering or whatnot. Before making any investment decisions, double-check the results and run your own calculations as well. This is essentially what covers the risks of […]

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Performance of Bondora Rating in 2014 (simplified)

This is the simplified version of the results and conclusions I did on the Bondora Rating for loans issued in 2014. A more thorough post with explanations about what I did and what I looked at in different steps of the analyses is available here. If you understand data analysis and some statistics, you should prefer to […]

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Performance of Bondora Rating in 2014 (analysis)

This is a more thorough post with explanations about what I did and what I looked at in different steps of the analyses. If statistics and data analysis is not your strong side, there is also a simplified version of the steps and conclusions available here. I do suggest however, that you at least review […]

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Exposure at default and return on investment

This blog post is part 3 of a “Beyond the default rate” series, which investigates what the default rate actually means, how it affects you and why you should know more than simply the number you see on some report. If you haven’t yet read the previous posts in the series, please do that before […]

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Comparing apples with oranges – mistakes with analyses

This blog post is part 4 of a “Beyond the default rate” series, which investigates what the default rate actually means, how it affects you and why you should know more than simply the number you see on some report. If you haven’t yet read the previous posts in the series, please do that before reading […]

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Initial defaults vs current default rate

This blog post is part 3 of a “Beyond the default rate” series, which investigates what the default rate actually means, how it affects you and why you should know more than simply the number you see on some report. If you haven’t yet read the previous posts in the series, please do that before […]

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The time element in default rate calculations

This blog post is part of a “Beyond the default rate” series, which investigates what the default rate actually means, how it affects you and why you should know more than simply the number you see on some report. If you haven’t yet read the previous post in the series, please do that before reading […]

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Would you invest into a 20% default rate loan group?

This blog post is part of a “Beyond the default rate” series, which investigates what the default rate actually means, how it affects you and why you should know more than simply the number you see on some report. If I told you there’s a loan group with 20% default rate. Would you be willing […]

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When do most defaults happen at Bondora?

Knowing when the majority of the loans default, can give you a good idea on how well your portfolio or some portion of the platform portfolio is performing. In addition, if you know what proportion of loans default in a 6-month period after issuing and that the proportions have been relatively stable over time, you […]

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