Demand 3.500%
Demand - yielding 3.500% PA, This is the on-demand alternative to bank deposits that have been the basis for Investabill® for the past 10 years.
Fixed 4.250%
Fixed - yielding 4.250% PA, Funds committed for 12 months and if withdrawn prior to term, all interest accrued is automatically lost.
Term 15.00%
Term – yielding 15.00%, Funds committed for 3 years, i.e. 36 calendar months and if withdrawn prior to term, all interest accrued is automatically lost.

2024-M12 Investabill® Briefing

Investabill ETR® are fixed value Exchange Traded Receivables that are leases, monetary obligations or Bills issued under Contract for assets, goods and services supplied to investment quality† companies, or credit insured invoices from Investment Grade [IG] insurers. As at M12, Credebt Exchange® reported an Active RSA of EUR 51.00m, with EUR 65.40m fully allocated. Investor redemptions increased to EUR 2.71m, while trading activity for M12 totalled EUR 10.07m. Consistent with previous reports, all available ETR were fully utilised.

Credebt Control® collections totaled EUR 15.87m, representing 57.67% of the total value of traded ETR. This will continue to be monitored in 2025 M01

Performance

In 2024-M12, trading totaled EUR 136.10m, which is c. 30.00% lower than the EUR 187.16m recorded in 2023-M12. Trading volume declined by 11.42%, while the value-to-volume ratio continued to rise, reflecting an increase in the value and quality of traded ETR. Investor redemptions increased in M12 to EUR 2.71m, from EUR 0.54m the previous month. The Credebt® Index decreased to a mean of 66 payment days for M12. A construction trade was the largest in M12 at GBP 2.01m

Trend

ETR standard yield began the month at 2.163% and remained steady throughout the first half of M12. It greatly fluctuated in the middle of the month, climbing to peak at 2.173% before sharply declining at the end of the month to finish at 2.152%. Investor demand remains below expectations, prompting the Trade Desk to seek additional funding from institutional investors. The new Equitabill ETS are expected to meet market demand for regulated products. The total RSA recorded for M12 was EUR 51.00m

2024-M12 Investabill® Briefing Trade Credebt

2024 M12 ETR Briefing

† Investment quality is a combination of Investment Grade [IG] organisations & other credit worthy organisations, as determined by AIG and other credit rating providers, from time to time

Other briefings

  • 2024-M10 Investabill® Briefing

    In 2024-M10, trading totaled EUR 113.56m, which is c. 30.00% lower than the EUR 161.63m recorded in 2023-M10. Trading volume declined by 20.86%, while the value-to-volume ratio continued to rise, reflecting an increase in the value and quality of traded ETR....

  • 2024-M09 Investabill® Briefing

    In 2024-M09, trading totaled EUR 100.81m, which is c. 33.00% lower than the EUR 150.26m recorded in 2023-M09. Trading volume declined by 29.73%, while the value-to-volume ratio continued to rise, reflecting an increase in the value and quality of traded ETR....

  • 2023-M12 Investabill® Briefing

    Trading in 2022-M12 was recorded at EUR 16.98m v EUR 16.36m in 2023-M12, down by c.3.00% for 2023. Despite this, our strong year ended volumes remaining above previous years because the value to volume ratio remained constant throughout the year with higher value and ...

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