Q4 2016Q1 2017Q2 2017Q3 2017
Cumulative lending £4,888,231,038 £5,708,635,402 £6,391,925,730 £7,168,727,657
o/w lending to businesses £2,922,779,264 £3,487,208,822 £3,924,226,666 £4,440,151,180
o/w lending to individuals £1,965,451,774 £2,221,426,580 £2,467,699,064 £2,728,576,477
Base stock of loans (outstanding loan book) £2,132,049,663 £2,497,408,800 £2,745,490,796 £2,958,326,435
o/w lending to businesses £1,213,693,991 £1,470,605,094 £1,630,765,546 £1,754,510,098
o/w lending to individuals £918,335,672 £1,026,803,706 £1,114,725,250 £1,204,816,337
New Lending £603,011,422 £703,047,838 £666,096,755 £733,270,490
o/w lending to businesses £404,171,535 £447,073,032 £419,818,940 £472,393,077
o/w lending to individuals £198,839,887 £255,974,806 £246,277,815 £260,877,413
Capital repaid £370,158,773 £401,358,998 £411,834,014 £508,891,428
o/w lending to businesses £249,776,784 £253,832,226 £253,477,742 £337,105,103
o/w lending to individuals £120,381,989 £147,526,772 £158,356,272 £171,786,325
Net Lending Flow £237,151,881 £305,679,840 £254,262,739 £228,055,356
o/w lending to businesses £158,793,983 £197,231,806 £166,341,195 £138,964,268
o/w lending to individuals £78,457,898 £108,448,034 £87,921,544 £89,091,088
Number of current lenders 121,476 128,000 140,098 134,658
Number of current borrowers 191,055 214,631 231,189 246,813
o/w are businesses 29,594 34,566 39,043 43,425
o/w are individuals 161,461 180,065 192,146 203,388

The disaggregated P2PFA data for the third quarter of 2017 is available to download here

P2PFA Member Loanbook Data

P2PFA members are moving toward an unparalleled level of data transparency by making their loan books publicly available.  Please see below to links to where you can find this data

P2PFA Member Default Information

All P2PFA members use the P2PFA default standard to provide comparable statistics for their default rate.  The definition was established 18th June 2013 and is provided below along with links to Member specific default information

Definition of Non-Performing Loan

A loan should be considered to be a ’Non-Performing Loan’, ‘Impaired’ or in ‘Arrears’, where the relevant borrower of the loan is:
– > (a) more than 45 days overdue in an interest payment; or
– > (b) more than 45 days overdue with a principal repayment; or
– > (c) legal action for enforcement of the loan has commenced; or
– > (d) the loan is being or has been renegotiated with a borrower, or
– > (e) the loan has not otherwise been in full compliance. The amount of arrears is the amount overdue for payment in a) and b) above.

Definition of Capital Losses (Default)

A capital loss should include:
– > (a) any portion of a loan that has not been repaid, 120 days following the original loan repayment date;
– > (b) all costs incurred by the lender in relation to the enforcement of a Non-Performing Loan, where such costs are not recovered in full from the relevant borrower;
– > (c) any loan amount where there is a reasonable expectation that the borrower is not going to repay the loan on the original loan repayment date (ie the borrower has gone bankrupt etc).

To be reported on a 12 monthly calendar basis (Jan to Dec)

1)Actual arrears (as a percentage of all outstanding balances from loans made in the calendar year of the loan)
2)Expected defaults (as a percentage of lifetime default rates of amount lent in the calendar year of the loan)
3)Actual defaults (a percentage of the total lent by the platform in the calendar year of the loan)

See below links to each P2PFA member default info

Note: if you have any difficulty accessing these links or any other data on the P2PFA website please contact info@p2pfa.eu

Data covering lending volumes and participation for the first quarter of 2017 is below. Click here to download

Data

Q2 2016Q3 2016Q4 2016Q1 2017
Cumulative lending £5,802,000,000 £6,502,783,000 £7,347,991,895 £8,495,831,433
o/w lending to businesses £2,416,000,000 £2,687,040,000 £2,988,270,526 £3,377,185,204
o/w lending to individuals £3,386,000,000 £3,815,743,000 £4,359,721,369 £5,118,646,229
Base stock of loans (outstanding loan book) £2,609,000,000 £2,812,988,000 £3,093,692,787 £3,537,152,530
o/w lending to businesses £1,178,000,000 £1,263,565,000 £1,367,767,161 £1,518,532,233
o/w lending to individuals £1,431,000,000 £1,549,423,000 £1,725,925,626 £2,018,620,297
New Lending £658,000,000 £700,616,000 £843,917,964 £1,004,483,012
o/w lending to businesses £252,000,000 £271,138,000 £299,939,490 £368,326,468
o/w lending to individuals £406,000,000 £429,478,000 £543,978,474 £636,156,545
Capital repaid £485,000,000 £494,975,000 £561,088,544 £624,693,566
o/w lending to businesses £170,000,000 £185,082,000 £195,737,268 £232,831,830
o/w lending to individuals £315,000,000 £309,893,000 £365,351,277 £391,861,736
Net Lending Flow £174,000,000 £205,287,000 £287,228,652 £383,780,446
o/w lending to businesses £82,000,000 £86,057,000 £104,202,222 £135,494,638
o/w lending to individuals £92,000,000 £119,230,000 £183,026,430 £248,285,808
Number of current lenders 150,376 161,466 169,747 181,068
Number of current borrowers 332,107 363,201 392,111 420,095
o/w are businesses 307,713 335,803 360,410 383,232
o/w are individuals 24,394 27,398 31,701 36,863