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Statistics

The loan statistics are updated automatically in real time

Our investors have received historically over 10% p.a. returns.

The information on this presentation is not an offer to invest in peer-to-peer consumer loans or crowdfunded business loans nor may it be construed as a suggestion to engage in such activities, unless otherwise agreed upon. The client is responsible for the financial results of their investment activities. Investment activities always involve financial risk. Invested capital can be lost either entirely or in part and the sought-after profits may never be realized. Past performance is not a guarantee of equivalent performance in the future.

Return % tells the annual return on invested capital [in distribution of investors' annual returns graph]. The calculation formula takes into account received interest, realized credit loss, and current loan capital less the estimated future credit loss of current loans with payment delay. In the distribution of returns portfolios with longer than 3 months history and investments in more than 100 loans are taken into account.

Volatility has been calculated as a sum of weekly returns in Fellow Finance marketplace beginning from 7/2014 until today. The comparison index volatility has been calculated with the same method on index weekly returns. Corporate Bond Index: FTSE Euro Corporate Bond (EURCORP01=). High Yield Index: ICE BofAML Euro High Yield Index Effective Yield (BAMLHE00EHYIEY). EuroStoxx 50: Euro Stoxx 50 (STOXX50E).

Sharpe ratio has been calculated as a sum of weekly returns in Fellow Finance marketplace beginning from 7/2014 until today. Risk-free return has been defined as the average of Euribor 12 months within the same time period. The Sharpe-ratio has been calculated with the same method on weekly returns of the indexes. Corporate Bond Index: FTSE Euro Corporate Bond (EURCORP01=). High Yield Index: ICE BofAML Euro High Yield Index Effective Yield (BAMLHE00EHYIEY). EuroStoxx 50: Euro Stoxx 50 (STOXX50E).

The cumulative loan volume shows the loan capital intermediated by Fellow Finances from the beginning of the operation.

Distribution of the total loan volume by market and product over the past 30 days.

The annual volume of the secondary market calculated on the sum of the purchase prices.

The market rate is the average interest of latest 10 loans withdrawn. The realized credit loss % shows the credit loss after the delinquent loans have been sold to a collection agency. The realized credit loss does not, however, take in to account the loans withdrawn during the past 6 months not to give too optimistic view on credit quality. The credit loss reservation % is calculated for the open delinquent loans.

The market rate is the average interest of latest 10 loans withdrawn. The realized credit loss % shows the credit loss after an entrepreneur has been found, including personal guarantee and possible collateral, unable to pay the loan back during debt recovery procedure.. The realized credit loss does not, however, take in to account the loans withdrawn during the past 6 months not to give too optimistic estimation on credit quality. The credit loss reservation % is calculated for the open delinquent loans.

Realized return shows the return of capital invested (Internal Rate of Return, IRR). The calculation takes in to account the received interest payments, realized credit losses and current outstanding loan capital less the credit loss reservation for the delinquent loans. The return distribution counts the portfolios with over 100 loan investments with an investment period over 3 months.

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