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Post by coolrunning on Jul 28, 2016 7:42:13 GMT
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ders
Posts: 15 
Likes: 5
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Post by ders on Jul 28, 2016 7:56:20 GMT
Do you use FB and can look fellows group? I was discussing a bit about this topic. I was interested in recovery of interest not just recovery of principals. Also good review is there rahafoorum.ee/bondora-taastumismaarad/In general you can take general statistic page and play with recovery reports. But I was not able to get exactly same result like in their blog. I think they eliminated part of data in order to make this picture for blog. Not very serious changes, but they did. "Data is aggregated to larger cohorts and recent data are excluded as otherwise outliers will skew the results too much (e.g. 1 customer repaying the full amount after default at once). On the Bondora level this means excluding the last three months of defaults and using country based quarterly cohorts. Data on individual portfolios should likely be viewed on a higher level either using yearly country based cohorts or simply quarterly cohorts across all countries." |
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Post by rahafoorum on Jul 28, 2016 9:18:52 GMT
They use similar logic like in their XIRR calculation. Only consider as "defaulted" the portion of principal overdue according to initial schedule. Judging by their previous post, it might even be that for some reason they don't consider as "default" the principal that was overdue prior to defaulting (essentially 3 payments before default).
Then they seem to have divided recovered principal amount by that "scheduled" amount. These fields are available in dataset.
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Post by coolrunning on Aug 1, 2016 20:20:01 GMT
I looked at my return on the recovery section of the statistics page : www.bondora.com/en/statistics/index/I started investing in 1st quarter 2014. I grouped the returns (principal) by year. 2014 ----- Est 6% Spa 0% Fin 0% (I do not talk about Slovakia) 2015 ----- Est 32% Spa 1% Fin 14% Not as good as Bondora would expect me to get. What do others see ? Am I just unlucky ? |
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Post by oktaeder on Aug 2, 2016 6:39:02 GMT
I think so. Overall over 50%, spain 20%.
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Post by jabardolas on Aug 2, 2016 9:54:57 GMT
For me it is around 45% recovery overall.
And unfortunately I have a big slice of my portfolio in Spanish loans. And 10% of my portfolio never made a single payment.
I gave up all hope of making any profit with bondora a long time ago.
I've started to slowly take out the money.
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Post by buttchopf23 on Aug 2, 2016 13:48:23 GMT
it will be interesting if the recovery rates hold up in my Portfolio, if I can achieve these rates, then I am happy.
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Post by coolrunning on Mar 20, 2018 18:18:38 GMT
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JamesFrance
Member of DD Central
Port Grimaud 1974
Posts: 1,323
Likes: 897
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Post by JamesFrance on Mar 21, 2018 8:45:05 GMT
Many years ago I was involved with statistics in the RAF, basically they can be made to show almost anything by being selective.
The old saying is "Lies, damned lies and statistics".
You are not measuring the same thing as Bondora even though the name is the same.
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Post by Butch Cassidy on Mar 21, 2018 11:29:27 GMT
You are confusing facts & the truth (that your actual results are showing you) with corporate, marketing b*lls**t that is designed to tempt in the unwary investor. I DON'T BELIEVE A WORD BONDORA PUBLISH from my own investment experience.
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jay
Posts: 46
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Post by jay on Mar 24, 2018 20:13:14 GMT
Its not only you , mine are close to 0 , that for so called A loans i was scammed into taking . 2014 those loans, and still nothing recovered...
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Post by oktaeder on Mar 26, 2018 16:27:18 GMT
Depends on in what you've invested. Mine is much better.
The last two years €300 and more each month from defaulted loans.
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Post by coolrunning on Mar 26, 2018 17:51:21 GMT
Depends on in what you've invested. Mine is much better. The last two years €300 and more each month from defaulted loans. By country, my loans are from: Est 62% Fin 35% Spa 3% Mostly C.D.E loans
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Post by oktaeder on Mar 27, 2018 6:45:29 GMT
BONDORA's values
2013: 47%
2014: 39%
2015: 31%
2016: 30%
2017: 12.5%
2018: <1%
taken from statistics-recovery rate
I bought defaulted loans that seem to perform but most defaulted in my portfolio.
77% EE
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Post by oktaeder on Mar 27, 2018 6:53:38 GMT
And now my own stats:
Defaulted in Recovered
2013 92.6%
2014 39.5%
2015 28.8%
2016 20.9%
2017 9.7%
2018 0.1%
ratio recovery: recovery:EAD1
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