I

ntr
oduc
tion PeertoPeer
: PeertoPeer
: PeertoPeer: Crowdfundi
ng: Cr
owdfundi
ng: Glos
Invest
ing Borrowi
ng Borrowing Invest
ing Oer
s sary
(c
ont i
nued)

Peer
-to-
peerl
endi
ngandc
rowdf
undi
ng:sec
torsnapshot
Thisr
eporti
sa'
snapshot
'ofpeer
-to-
peerl
endi
ng(
P2P)andc
rowdf
undi
ngac
tivi
tyi
nNew Zeal
andf
ort
heyearended30
June2017.

I
tisbasedondat
agi
vent
ousbyt
hel
icensedpr
ovi
der
soft
heseser
vic
esi
nthei
rannualr
egul
ator
yret
urns.Theser
etur
ns.
.

How t
ouset
hisr
epor
t
Fi
lteri
nfor
mat
ion
Youcanchangeorl
terwhatyouseei
nther
epor
tbysel
ect
ingordesel
ect
ingt
hec
hec
kboxes.Tor
etur
ntot
hedef
aul
tvi
ew,j
ustsel
ectt
heupdat
esymbol
Q atthetopoft
herepor
ttabs.

Hover-
overdet
ail
s
Hoveryourmouseovereac
hdatapoi
nttoseeaddi
tionali
nfor
mat
ionabouti
t.Youc
anvi
ew r
aw number
s,per
cent
agesandi
nsomec
asesan
expl
anati
onofwhatthedatapoi
ntmeans..
.
 Gl
ossar
y

d30

t
urns.
.

esymbol

sesan
I
ntr
oduc
tion PeertoPeer
: PeertoPeer
: PeertoPeer: Crowdfundi
ng: Cr
owdfundi
ng: Glos
Invest
ing Borrowi
ng Borrowing Invest
ing Oer
s sary
(c
ont i
nued)

Summar
y Totalval
ueofoutst
andi
ngl
oansby
Numberofser
Tot
vic
alnumberofi
eprovi
nvest
der
orsr
s
egi
steredwi thP2Pser
vic
es
li
censedprovi
der
s
Totalnumberofnew investors
Totalnumberofinvestorswithopeninvestments
Provider
soperati
ngasec ondarymar ket
Totalval
ueoftradesonsec ondarymar kets

Aver
ageamounti
nvest
edbyi
ndi
viduali
nvest
o..
Totalnumberofi ndi
viduali
nvestor s Aver
age
0-$999 Range
ac
$1r
0o
,
$5,
00s
-sr
$4a
,
99
000-$9,
n
9g
999
es 842
2, 3
667,
022
0-$999 $308
$10,
000-$49,
999 1,
131 $1,
000-$4,999 $2,096
$50,
000-$99,
999 214 $5,
000-$9,999 $6,912
$100,
000-$499,
$500,
000
999 252
48 $10,
000-$49,999 $19,835
$50,
000-$99,999 $66,108
0 1000 2000 3000 $100,
000-$499,999 $205,408
$500,
000+ $1,
538,268
Numberofi
nvest
ors
 Gl
ossar
y

est
o..
e
I
ntr
oduc
tion PeertoPeer
: PeertoPeer
: PeertoPeer: Crowdfundi
ng: Cr
owdfundi
ng: Glos
Invest
ing Borrowi
ng Borrowing Invest
ing Oer
s sary
(c
ont i
nued)

Bor
roweri
nfor
mat
ion Tot
alval
ueofnew l
oans
120,
051,
660 31,
502,
500
Tot
alnumberofborrowersregist
eredwi t
hP2Pser vi
ces # 0M 20M 40M 60M 80M 100M 120M 140M
Numberofrstti
mebor rowers #
Numberofrepeatborrowers #
Tot
alval
ueofloanstakenoutbyr epeatborrower
s #
Tot
alnumberofsecuredloans # Tot
alval
ueofout
standi
ngl
oans
Tot
alval
ueofsecuredloans #
Numberofborrowersborrowingthe$2mi ll
ionmaximum 0 0M 50M 100M 150M 200M 250M 300M

I
ndi
vidualbor
rower
s Busi
nessbor
rower
s
Tot
alnumberofout
standi
ngl
oanst
oindi
vidual
s* # Tot
alnumberofout
standi
ngl
oanst
obusi
nesses*
Tot
alval
ueofout
standi
ngl
oanst
oindi
vidual
s # Tot
alval
ueofout
standi
ngl
oanst
obusi
nesses
Tot
alnumberofnew l
oanst
oindi
vidual
s(exc
l.r
enanc
ing) # Tot
alnumberofnew l
oanst
obusi
nesses(
exc
l.r
enanc
ing)
Tot
alval
ueofnew l
oanst
oindi
vidual
s(exc
l.r
enanc
ing) # Tot
alval
ueofnew l
oanst
obusi
nesses(
exc
l.r
enanc
ing)
*I
ncl
udi
ngl
oansi
nar
rear
s,butnotl
oanswr
itt
enoorsol
d
Gl
ossar
y

Loant
ype Busi
ness
I
ndi
vidual

9
2
574,
9
1
502,
I
ntr
oduc
tion PeertoPeer
: PeertoPeer
: PeertoPeer: Crowdfundi
ng: Cr
owdfundi
ng: Glos
Invest
ing Borrowi
ng Borrowing Invest
ing Oer
s sary
(c
ont i
nued)

Renanc
edl
oans Loansi
nar
rear
sorwr
itt
eno
Numberofl
oansr
enanc
edbyi
ndi
vidual
s Tot
alnumberofl
oansi
nar
rear
s
Tot
alval
ueofl
oansi
nar
rear
s
Tot
alval
ueofl
oansr
epai
dbyi
ndi
vidual
sbef
orer
enanc
ing
Per
cent
ageofout
standi
ngl
oansi
nar
rear
s
Numberofl
oansr
enanc
edbybusi
nesses
Tot
alnumberofl
oanswr
itt
eno
Tot
alval
ueofl
oansr
epai
dbybusi
nessesbef
orer
enanc
ing Tot
alval
ueofl
oanswr
itt
eno

Numberofout
standi
ngl
oansac
rossi
nter
est Valueofoutst
andi
ngl
oansac
rossi
nter
est
rat
eranges rat
er anges
0 341 5,
011 6,
656 8,
520 0M 26,
516,
642 130,
303,
105 109,
873,
088 45,
381,
981

0% -7.
99% 8.
00% -14.
99.
.15.
00% -24.
9.. 25.
00%+ 0% -7.
99% 8.
00% -14.
99% 15.
00% -24.
9.. 25.
00% +
 Gl
ossar
y

,
381,
981
I
ntr
oduc
tion PeertoPeer
: PeertoPeer
: PeertoPeer: Crowdfundi
ng: Cr
owdfundi
ng: Glos
Invest
ing Borrowi
ng Borrowing Invest
ing Oer
s sary
(c
ont i
nued)

Summar
y How muc
hpeopl
ear
einvest
ing

.
Number.
Numberoflicensedser vi
ceproviders 1,
146
Numberofpr ovidersthatfaci
li
tat edoers 1000
574
Numberoflicensedser vi
ceinvestorswhoi nvestedfortherstt
ime 500 358 225
15 9 0
Totalnumberofl i
censedserviceinvestorswhoi nvest
edthroughtheservi
ce
Numberofoer s 0-$999$1,000 $5,
000 $10, $50, $100,$500, 0.
.
Numberofsuc cessfuloers -$4,9.
.-$9,9.. 000.. 000.. 000..
Numberofsuc cessfuloerstolicensedserviceinvest
orsonly
Numberofsuc cessfuloerstoot herinvestor
sonl y
Numberofsuc cessfuloerstolicensedserviceinvest
orsandotherinvest
or
Numberofsuc
s
cessf ul Totalc apitalr ai
sedt hr
ou
Numberofissuer sdecli
ned oerst hr ougheac h
Lar
gestinvestmentbyal i
censedser vi
ceinvestor
Lar
gestinvestmentbyanot herinvestor
provi
der
Numberofpr ovidersoperati
ngasec ondarymar ket
 Gl
ossar
y

lr
aisedt
hroug.
.
I
ntr
oduc
tion PeertoPeer
: PeertoPeer
: PeertoPeer: Crowdfundi
ng: Cr
owdfundi
ng: Glos
Invest
ing Borrowi
ng Borrowing Invest
ing Oer
s sary
(c
ont i
nued)

Summar
y
Oermadet
o Tot
alc
api
talr
aised Avg.mi
nimum f
undi
n.. Avg.mi
nimum ac
cept
.. Avg.maxi
mum f
undi
n..Tot
alnumberofshar
e..
Licensedser
vic
e
investors
$8,
496,
002 $303,
920 $1,
690 $937,
970 3,
125,
463
Ot
heri
nvest
ors*
$2,
663,
169 $62,
500 $35,
360 $1,
289,
597 1,
120,
031
Numberofsuccessf
uloer
sbymi
nimum Numberofi
ndivi
duali
nvest
ment
sac
ross
acc
eptabl
einvestment i
nvest
mentranges

.
.

ber.
Num.

Num
1K
0 1

0-$4999 $5,
000- $10,
000- $25,
000- $50,000- $250,
000+ 0-$999$1,
000-$5,000-$10,000$50,000 $100, $500,
0..
$9,999 $24,999 $49,000 $249,999 $4,999 $9,
999 -$49,9.
.-$99,9.
. 000..

Lic
ensedservi
cei
nvest
ors Ot
herinvestor
s* Bot
htypesofi
nvest
ors
*Onl
ytwooer smadetootheri
nvest
orshadami nim..
 Gl
ossar
y

3,
125,
463
1,
120,
031

1
I
ntr
oduc
tion PeertoPeer
: PeertoPeer
: PeertoPeer: Crowdfundi
ng: Cr
owdfundi
ng: Glos
Invest
ing Borrowi
ng Borrowing Invest
ing Oer
s sary
(c
ont i
nued)

Cr
owdf
undi
ng Peer
-to-
p
Cr
owdf
undi
ngser
vic
e Aser vi
cet hatact
sasani ntermedi arybet ween:
issuers,whicharecompani est hatuset heservi
cet or ai
secapi
talbyoeri
ngshares,and A
investors,whouset heservicet oselectoerstoi nvestin. b Loansi
nar
rear
Weonl ylicenseequi
ty-basedc rowdf undingservi
ces.Thi siswherecompani
esrai
semoneybyoer
ing c
shares,ratherthanoeringr ewar ds(goodsorser vices).

Li
censedc
rowdf
undi
ngoer Anoerthatreli
esonthel
icensedc
r owdfundingservi
ceexempt
iont
ooershar
eswi
thoutsuppl
yinga
pr
oductdisc
losurest
atementtopotenti
alinvestor
s A
b Loanswr
itt
en
c

Li
censedser
vic
einvest
or I
nvest
orsi
nal
icensedc
rowdf
undi
ngoer
A
b New i
nvest
ors
c

Maxi
mum f
undi
ngt
arget Maxi
mum amountt
hec
ompanywoul
dac
ceptf
oranoer
Openi
nvest
me
Gl
ossar
y