> For the complete documentation index, see [llms.txt](https://resources.defirisk.intotheblock.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://resources.defirisk.intotheblock.com/euler/whale-borrows-concentration.md).

# Whale Borrows Concentration

**Overview**

This indicator shows the historical concentration of loans in the Euler protocol. This is done by separating depositors in the following two categories:

* Whales: addresses with >1% share of borrows
* Investors: addresses with <1% share of borrows

**How can I use it?**

<figure><img src="https://2404821215-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FQvgIHnQBPshWROyZ73aR%2Fuploads%2FBcVH9yiODHYWCuEwAzK9%2Fimage.png?alt=media&amp;token=2a267276-7edc-4310-ac21-848def5a6894" alt=""><figcaption></figcaption></figure>

Knowing the biggest borrowers of a protocol can help users make more informed decisions as a lender or borrower.

For example, if you are a lender, you may want to carefully evaluate the creditworthiness of the biggest borrowers before deciding whether to lend to them. On the other hand, if you are a borrower, knowing who the biggest borrowers are can help you gauge the level of competition for loan funds and adjust your borrowing strategy accordingly.

Overall, knowing the biggest borrowers from a lending protocol, and their share of all loans, can provide valuable information that can help you make more informed decisions and manage your financial risks more effectively.