KBC Bank NV
Administrator
Havenlaan 12
1080 Brussels Belgium
t: 00 32 2 429 0533
f: 00 32 2 429 9970
Loan Invest N.V., Compartment Home Loan Invest 2007
euro 3,500,000,000 floating rate Class A Mortgage Backed Notes due 2044
euro 300,000,000 floating rate Class B Mortgage-Backed Notes due 2044
Investor ReportReporting period: 31 March 2017 - 30 June 2017
Page 1 of 9
QUARTERLY CALCULATION REPORT
Month 1: April Month 2: May Month 3: June Quarterly Total
The Loan Portfolio 0
Number of Loans
Beginning of Period 35,356 34,789 34,248 35,356
Matured loans 405 358 430 1,193
Prepaid Loans 152 176 174 502
Repurchased Loans 9 5 10 24
Defaulted Loans during period 1 2 5 8
Cured Defaulted Loans 0
New Mortgage Loans 0
End of month 34,789 34,248 33,629 33,629
Delinquent Receivables at the end of the Monthly Calculation Period 0
Outstanding Principal Amount of Mortgage loans
Beginning of Period 957,871,376.31 940,478,600.54 922,011,331.36 957,871,376.31
Scheduled Principal collected 12,576,502.17 12,522,279.06 12,262,088.04 37,360,869.27
Full Prepayments 4,580,187.37 5,322,977.06 5,196,152.54 15,099,316.97
Partial Prepayments 96,926.94 342,987.35 194,173.10 634,087.39
Principal balance of repurchased loans 86,618.81 49,337.49 203,192.79 339,149.09
Principal balance of Defaulted Loans during the period 52,540.48 229,688.22 165,343.02 447,571.72
Cured Defaulted Loans 0.00
New Mortgage Loans 0.00
End of Period 940,478,600.54 922,011,331.36 903,990,381.87 903,990,381.87
Principal balance of Delinquent Loans at the end of the Calculation Period 2,728,007.44 2,311,765.48 2,248,813.29 7,288,586.21
Net Principal Balance of Defaulted Loans at the end of the Calculation period (net after recovery) 4,364,672.78 4,554,715.34 4,645,887.59 13,565,275.71
Write-off Defaulted Loans 0.00
Balance of Non Defaulted Loans 940,478,600.54 922,011,331.36 903,990,381.87 903,990,381.87
Balance of Non Delinquent Loans 937,750,593.10 919,699,565.88 901,741,568.58 896,701,795.66
Floating Rate Interest Period : 18/04/2017 - 17/07/2017
Page 2 of 9
Month 1: April Month 2: May Month 3: June Quarterly Total
Cash Flows
Monthly and Quarterly Cash Flows
Principal Available Amount:
Previously Principal Available Amount 106,814.83 17,447,050.12 35,684,631.08 106,814.83
Principal Receipts
Repayment of principal 12,576,502.17 12,522,279.06 12,262,088.04 37,360,869.27
Prepayment in full of principal 4,580,187.37 5,322,977.06 5,196,152.54 15,099,316.97
Partial prepayment of principal 96,926.94 342,987.35 194,173.10 634,087.39
Repurchase by the seller Receipts 86,618.81 49,337.49 203,192.79 339,149.09
Principal from sale of Issuer assets 0.00 0.00 0.00 0.00
Amounts to be credited to the Principal Deficiency Ledger 0.00 0.00 447,571.72 447,571.72
Principal Available Amount 17,447,050.12 35,684,631.08 53,987,809.27 53,987,809.27
Notes Interest Available Amount
Revenue Receipts
Interest, including penalty interest, on Mortgage Receivables 1,694,531.17 1,667,674.86 1,613,214.69 4,975,420.72
Interest accrued on the Transaction Account 0.00
Prepayment Penalties under the Mortgage Loans 34,320.13 40,819.61 37,739.94 112,879.68
Net Proceeds on any Mortgage Loans 50,712.07 49,357.11 77,159.84 177,229.02
Amounts to be drawn from the Reserve Account on QPD 0.00
Amounts to be received from the Swap on QPD 1,347,602.56 1,347,602.56
Amounts received in connection to a repurchase 33.93 13.76 125.42 173.11
Amounts received in connection with a sale of Mortgage receivables pursuant Common Reps Agr 0.00
Amounts received as post-foreclosure proceeds 0.00
Any interest amount standing to the credit of the Issuer Collection Account 0.00
Less Amounts paid to the swap counterparty at the two preceeding swap payment dates 3,284,264.57 3,284,264.57
Total Note Interest Available Amount 1,779,597.30 1,757,865.34 -208,422.11 3,329,040.53
Floating Rate Interest Period : 18/04/2017 - 17/07/2017
Page 3 of 9
Month 1: April Month 2: May Month 3: June Quarterly Total
Swap Calculation
Outstanding amount of performing Receivables 954,412,477.54 937,750,593.10 919,699,565.88
Amounts on reserve Account 2,000,000.00 2,000,000.00 2,000,000.00
Notional Amount of swap 956,412,477.54 939,750,593.10 921,699,565.88
Loan Invest Pays 1,656,837.63 1,627,426.93 1,418,582.89
Loan Invest Receives 0.00 0.00 1,347,602.56
Swap Payment Date 15/05/2017 15/06/2017 17/07/2017
Euribor -0.33200% -0.33200% -0.33200%
average spread 0.90647% 0.90647% 0.90647%
Calculated Floating Amount (act/360) 412,071.18 464,876.45 470,654.93
Interest collected 1,728,885.23 1,708,508.23 1,651,080.05
minus 10bp excess spread 71,730.94 80,922.97 81,928.85
minus Costs during the Calculation period 316.66 158.33 150,568.31
Swap Amount payable by Loan Invest 1,656,837.63 1,627,426.93 1,418,582.89
Swap Collateral Amount
Collateral Amount 0.00 0.00 0.00
Collateral Amount at the end of the month 0.00 0.00 0.00
Collateral Type securities securities securities securities
Quarterly Cash Flow Allocation
Principal
Principal Available Amount 17,447,050.12 35,684,631.08 53,987,809.27 53,987,809.27
During Revolving period
Principal Amounts towards New Mortage Receivables
Principal Amount applied towards offered New Receivables 0.00 0.00 0.00 0.00
Retained Principal Available Amounts 17,447,050.12 35,684,631.08 53,987,809.27 53,987,809.27
Following Amortisation or Optional redemption
Class A 0.00 0.00 0.00 0.00
Class B 0.00 0.00 0.00 0.00
Subordinated Loan 0.00 0.00 0.00 0.00
Floating Rate Interest Period : 18/04/2017 - 17/07/2017
Page 4 of 9
Month 1: April Month 2: May Month 3: June Quarterly Total
Interest
Total Funds Available 3,329,040.53
1 Issuers Directors 0.00
2 Administrator 8,946.22 8,946.22
3 Security Agent 0.00
4 Other Issuer fees 2,009.00
NBB 831.26 831.26
FSMA 3,866.67 3,866.67
Servicing 121,618.94 121,618.94
Legal advisor 0.00
Auditor 2,631.75 2,631.75
administration fee 9,000.00 9,000.00
Paying Agent 1,250.00 1,250.00
Agent Bank 0.00
Calculation Agent 0.00
CBF-annual fee 0.00
Other Issuer Costs and Expenses 0.00
Bank Charges 316.66 158.33 414.47 889.46
Rating Agency 0.00
Rent 0.00
Social security 0.00
5 Pari-passu
Class A notes interest due and payable 0.00 0.00
Swap Counterparty payments 1,418,582.89 1,418,582.89
6 Principal Deficiency - Class A Notes 0.00 0.00
7 Interest - Class B Notes 0.00 0.00
8 Principal Deficiency - Class B Notes 0.00 0.00
9 Payment to Reserve Fund 0.00 0.00
10.a Principal Deficiency - Defaulted Loans 447,571.72 447,571.72
10.b Default becomes normal again 0.00 0.00
11 Interest on Subordinated Loan 1,313,351.62 1,313,351.62
12 Swap Counterparty Default Payment 0.00 0.00
13 Interest on Expense Subordinated Loan 0.00 0.00
14 Principal on Expense Subordinated Loan 0.00 0.00
15 Dividends to Shareholders 500.00 500.00
16 DPP 0.00 0.00
Floating Rate Interest Period : 18/04/2017 - 17/07/2017
Page 5 of 9
Month 1: April Month 2: May Month 3: June Quarterly Total
Capital structure
Class A
Number of Notes 12,800.00
Outstanding balance at the beginning of the quarter 282,969,600.00
Outstanding balance at the end of the quarter 229,094,400.00
Bond - Factor at the beginning of the quarter 0.088428
Bond - Factor at end of the quarter 0.071592
Annual interest rate for the period 0.00000%
Interest payable for the quarter paid on 17/07/2017 0.00
Rating (Moody's/Fitch) Aaa/AAA
Class B
Number of Notes 1,200.00
Outstanding balance at the beginning of the quarter 300,000,000.00
Outstanding balance at the end of the quarter 300,000,000.00
Bond - Factor at the beginning of the quarter 1.00
Bond - Factor at end of the quarter 1.00
Annual interest rate for the period 0.00000%
Interest payable for the quarter paid on 17/07/2017 0.00
Rating (Moody's/Fitch) Aaa/AAA
Subordinated Loan
Number of Notes: delete row 376,000,000.00
Outstanding balance at the beginning of the quarter 376,000,000.00
Outstanding balance at the end of the quarter 376,000,000.00
- Factor at end of the quarter 1.00
Annual interest rate for the period 1.66800%
Interest payable for the quarter paid on 17/07/2017 1,567,920.00
Weighted Relevant Margin 0.00
Reserve Fund
Balance at the beginning of the quarter 2,000,000.00
Payment from the Reserve Fund at the end of the quarter 0.00
Payment to the Reserve Fund at the end of the quarter 0.00
Balance at the end of the quarter 2,000,000.00
Expense Subordinated Loan
Balance at the beginning of the quarter 0.00
Amount Repaid 0.00
Balance at the end of the quarter 0.00
Floating Rate Interest Period : 18/04/2017 - 17/07/2017
Page 6 of 9
Month 1: April Month 2: May Month 3: June Quarterly Total
Performance data
Defaults and delinquencies
Cumulative Gross Defaults at the beginning of the period 31,208,554.91
Principal balance of Defaulted Loans during the period 52,540 229,688 165,343
Cumulative Gross Defaults at the end of the period 31,261,095.39 31,490,783.61 31,656,126.63 31,656,126.63
Default Trigger level 2.00000% 2.00000% 2.00000% 2.00000%
Gross cumulative defaults (% of current loan balance) 3.26360% 3.28758% 3.30484% 3.30484%
Breach of Default Trigger Yes Yes Yes Yes
Aggregate amount of Delinquent Loans 2,728,007.44 2,311,765.48 2,248,813.29 2,248,813.29
Delinquency Trigger level 1.00% 1.00% 1.00% 1.00%
Current Delinquency as % of current loan balance (%) 0.30% 0.26% 0.25% 0.25%
Breach of Delinquency Trigger No No No No
Principal Deficiency Ledger (PDL)
PDL balance at the beginning of the period 0.00 0.00
Principal balance of Defaulted Loans during the period 52,540.48 282,228.70 447,571.72 447,571.72
Interest waterfall payment to the PDL -447,571.72 -447,571.72
Balance of the PDL at the end of the period 0.00 0.00
Subordinated Loan PDL 0.00
Notes Class A PDL 0.00
Notes Class B PDL
Delinquency Statistics
Nr of Delinquent Loans
Percentage of Number of
Loans Outstanding
Current Balance of all
Delinquent Loans
Percentage of
Outstanding Balance of
the Loans
(%) (%)
<1month 464 1.380% 13,742,572.31 1.520%
<2months 35 0.104% 1,624,086.58 0.180%
<3 months 9 0.027% 310,996.94 0.034%
<4months Delinquent 4 0.012% 401,173.21 0.044%
<5months Delinquent 6 0.018% 184,330.22 0.020%
<6months Delinquent 1 0.003% 7,084.95 0.001%
<7months Delinquent 4 0.012% 147,515.68 0.016%
<8months Delinquent 1 0.003% 63,255.16 0.007%
<9months Delinquent 1 0.003% 5,095.88 0.001%
<10months Delinquent 2 0.006% 125,973.78 0.014%
<11months Delinquent 2 0.006% 209,767.19 0.023%
<12months Delinquent 1 0.003% 82,015.93 0.009%
>12 months Delinquent 16 0.048% 1,022,601.29 0.113%
0
Floating Rate Interest Period : 18/04/2017 - 17/07/2017
Status
Page 7 of 9
Month 1: April Month 2: May Month 3: June Quarterly Total
Default Statistics
Number of Loans
Defaulted during the
Quarterly Calculation
Period
Percentage of Number of
Loans Outstanding
Current Balance of Loans
Defaulted during period
Percentage of
Outstanding Balance of
the Loans
(% of number of loans) (% of total amount)
8 0.0226% 447,571.72 0.0476%
Recovery Statistics
Recoveries on Defaulted
Loans since Closing
Recoveries as a
percentage of Principal
Outstanding on Defaulted
Loans
(%)
24,679,690.44 77.96%
Prepayments as a % of current balance for reference period Annualised
0.48828% 0.59152% 0.56274% 6.5702%
Counterparty Rating
KBC Bank
as the Seller, Servicer, Subordinated Loan Provider, Account Bank, Administrator, Paying Agent, Domiciliary Agent, Listing Agent, Reference Agent and Swap Counterparty
Moody's Fitch
Long term rating A3 A-
Short term rating P-2 F1
Rabobank
as Account Bank
Moody's Fitch
Long term rating Aaa AA
Short term rating P-1 F1+
Floating Rate Interest Period : 18/04/2017 - 17/07/2017
Page 8 of 9
Month 1: April Month 2: May Month 3: June Quarterly Total
Portfolio Composition
Portfolio Triggers
86 Trigger
Weighted Average Original LTV Max 80% 76.34%
Weighted Average Current LTV Max 65% 39.69%
Weighted Average LTM Max 100% 58.10%
Minimum Seasoning 18 months 128.39%
Loan Purpose
Purchase Min 40% 57.45%
Remortgage Max 30% 17.16%
Renovation Max 30% 8.47%
Construction Max 30% 16.91%
Other Max 30% 0.00%
Employment Type
Employed Min 80% 88.38%
Unemployed Max 5% 2.00%
Self-employed Max 20% 9.62%
Occupancy Type
Owner Occupied Min 40% 77.88%
Buy to Let Max 5% 3.96%
Property Type
Commercial Use Max 5% 1.33%
Residential Min 80% 95.90%
Others Max 10% 2.78%
Province
Flanders Min 80% 91.52%
Brussels Max 30% 4.95%
Wallonie Max 20% 3.54%
The Notes issued by Loan Invest N.V./S.A., institutionele VBS naar Belgisch recht / SIC institutionelle de droit belge, acting through its Compartment Home Loan Invest 2007 are not being offered
in the United States or to, or for the account or benefit of, U.S. persons (as defined in Regulation S under the United States Securities Act of 1933, as amended).
The Notes are only offered, directly or indirectly, to and may only be acquired, by direct subscription or otherwise, and may only be held by holders (Eligible Holders) who qualify both as (i) an
institutional or professional investor within the meaning of Article 5, §3 of the Belgian Act of 20 July 2004 on certain forms of collective management of investment portfolios (wet betreffende
bepaalde vormen van collectief beheer van beleggingsportefeuilles / loi relative à certaines formes de gestion collective de portefeuilles d’investissement), acting for their own account, and (ii) a
holder of an exempt securities account (X-account) with the Clearing System operated by the National Bank of Belgium or with a participant in such system.
Any acquisition of a Note by or transfer of a Note to a person who is not an Eligible Holder shall be void and not binding on the Issuer and the Security Agent. If a Noteholder ceases to be an Eligible
Holder, it is obliged to report this to the Issuer and it will promptly transfer the Notes it holds to a person that qualifies as an Eligible Holder.
Each payment of interest on Notes of which the Issuer becomes aware that they are held by a holder that does not qualify, as an Eligible Holder will be suspended. Upon issuance of the Notes, the
denomination of the Notes is EUR 250,000."
Floating Rate Interest Period : 18/04/2017 - 17/07/2017
Page 9 of 9
KBC Bank NV
Administrator
Havenlaan 12
1080 Brussels Belgium
t: 00 32 2 429 15 95
f: 00 32 2 429 1715
email:[email protected]
www.kbc.be/abs
Reporting Date: 30 June 2017
Loan Invest N.V., Compartment Home Loan Invest 2007
euro 3,500,000,000 floating rate Class A Mortgage Backed Notes due 2044euro 300,000,000 floating rate Class B Mortgage-Backed Notes due 2044
Portfolio Composition
Effectisering Pool HLI07 June 2017 1
Pool summary 1Effectisering Pool HLI07 June 2017 1
Pool summary 1
Numberof
borrowersNumberof loans
TotalOutstanding
balance
AverageOutstanding
balance / borrower
27004 33629 903.990.314,59 33.476,16
Pool summary 2 - Ratios 2Pool summary 2 - Ratios 2
Variable Ratio Mean Minimum Maximum Number
ADJ_LTM Adjusted loan to mortgage 1,0067 1,0000 1,3870 33629
CLTV Current loan to value 0,3969 0,0000 7,5961 33629
LTM Loan to mortgage 0,5810 0,0000 1,3870 33629
MTL Mortgage to loan 2,5597 0,0000 13605,4422 33629
OLTV Original loan to value 0,7634 0,0000 19,6667 33629
SEAS Seasoning in months 128,3936 60,0000 269,0000 33629
Pool summary 3 - Margin 3Pool summary 3 - Margin 3
Interest rateOutstanding
balance
%Outstanding
balanceNumberof loans
%Numberof loans
Weightedaverage interest
rate
Weightedaverage
margin
Interest rate < 2,5 591.500.122,61 65,43 16173 48,09 0,98 0
2.5 < Interest Rate <= 3.0 14.128.489,47 1,56 522 1,55 2,73 0
3.0 < Interest Rate <= 3.5 14.321.749,03 1,58 701 2,08 3,33 0
3.5 < Interest Rate <= 4.0 88.854.025,82 9,83 3950 11,75 3,80 0
4.0 < Interest Rate <= 4.5 98.430.314,36 10,89 5334 15,86 4,26 0
4.5 < Interest Rate <= 5.0 64.754.759,78 7,16 3874 11,52 4,74 0
5.0 < Interest Rate <= 5.5 17.558.863,26 1,94 1531 4,55 5,24 0
5.5 < Interest Rate <= 6.0 8.937.131,00 0,99 933 2,77 5,72 0
6.0 < Interest Rate <= 6.5 4.345.231,83 0,48 433 1,29 6,29 0
6.5 < Interest Rate <= 7.0 1.072.447,63 0,12 166 0,49 6,68 0
Interest Rate > 7.0 87.179,80 0,01 12 0,04 7,27 0
Total 903.990.314,59 100,00 33629 100,00 2,11 0
Pool summary 4 - Loans in arrears 4Pool summary 4 - Loans in arrears 4
Loansin
arrearsOutstanding
balance
%Outstanding
balanceNumberof loans
%Numberof loans
0 13.742.572,31 76,66 464 84,98
1 1.624.086,58 9,06 35 6,41
2 310.996,94 1,73 9 1,65
3 401.173,21 2,24 4 0,73
4 184.330,22 1,03 6 1,10
5 7.084,95 0,04 1 0,18
6 147.515,68 0,82 4 0,73
7 63.255,16 0,35 1 0,18
8 5.095,88 0,03 1 0,18
9 125.973,78 0,70 2 0,37
10 209.767,19 1,17 2 0,37
11 82.015,93 0,46 1 0,18
12 23.644,23 0,13 1 0,18
13 125.620,21 0,70 1 0,18
14 142.060,35 0,79 3 0,55
16 335.497,24 1,87 1 0,18
17 180.747,44 1,01 3 0,55
18 68.610,21 0,38 2 0,37
25 22.808,54 0,13 1 0,18
30 117.070,54 0,65 3 0,55
32 6.542,53 0,04 1 0,18
Total 17.926.469,12 100,00 546 100,00
Table '01' - Origination date 5Table '01' - Origination date 5
Originationdate Outstanding
balance
%Outstanding
balanceNumberof loans
%Numberof loans
Weightedaverage interest
rate
Weightedaverage
CLTV
WeightedaverageAdjusted
LTM
Weightedaverage
seasoning
1995 455.268,18 0,05 38 0,11 2,99 0,18 1,00 262,47
1996 1.644.457,74 0,18 171 0,51 1,70 0,21 1,00 250,84
1997 4.284.338,35 0,47 832 2,47 2,33 0,17 1,00 238,61
1998 10.004.521,00 1,11 1264 3,76 3,54 0,15 1,00 226,27
1999 31.711.126,18 3,51 2366 7,04 3,34 0,19 1,00 215,68
2000 11.842.781,32 1,31 740 2,20 2,17 0,22 1,00 203,87
2001 12.388.097,81 1,37 590 1,75 1,54 0,26 1,00 190,80
2002 21.848.220,52 2,42 990 2,94 1,97 0,32 1,00 178,80
2003 69.107.829,19 7,64 2936 8,73 1,26 0,32 1,00 166,87
2004 71.153.284,62 7,87 2689 8,00 1,26 0,34 1,00 154,91
2005 186.480.009,25 20,63 8051 23,94 2,15 0,34 1,00 143,80
2006 86.181.374,91 9,53 2780 8,27 3,08 0,40 1,00 132,46
2007 31.885.467,50 3,53 1280 3,81 4,28 0,42 1,00 120,81
2008 19.491.559,49 2,16 1128 3,35 4,16 0,40 1,01 107,70
2009 156.885.792,84 17,35 3649 10,85 1,59 0,49 1,01 94,17
2010 140.974.499,23 15,59 2840 8,45 1,62 0,51 1,02 84,25
2011 39.396.778,73 4,36 1115 3,32 2,84 0,48 1,01 71,42
2012 8.254.907,73 0,91 170 0,51 2,20 0,50 1,01 63,21
Total 903.990.314,59 100,00 33629 100,00 2,11 0,40 1,01 128,39
Table '02' - Final maturity date 6Table '02' - Final maturity date 6
Finalmaturity
dateOutstanding
balance
%Outstanding
balanceNumberof loans
%Numberof loans
Weightedaverage interest
rate
Weightedaverage
CLTV
WeightedaverageAdjusted
LTM
Weightedaverage
seasoning
2013 - 2017 2.684.005,08 0,30 1880 5,59 3,54 0,04 1,00 173,21
2018 - 2022 208.070.648,62 23,02 17615 52,38 3,02 0,16 1,00 152,68
2023 - 2027 268.442.968,38 29,70 7825 23,27 2,07 0,33 1,00 139,23
2028 - 2032 209.187.469,11 23,14 3741 11,12 1,69 0,48 1,01 119,38
> 2032 215.605.223,40 23,85 2568 7,64 1,70 0,63 1,02 99,65
Total 903.990.314,59 100,00 33629 100,00 2,11 0,40 1,01 128,39
Table '03' - Initial maturity in months 7Table '03' - Initial maturity in months 7
Initialmaturity
inmonths
Outstanding balance
%Outstanding
balanceNumberof loans
%Numberof loans
Weightedaverage interest
rate
Weightedaverage
CLTV
WeightedaverageAdjusted
LTM
Weightedaverage
seasoning
0 - 71 689,32 0,00 1 0,00 3,40 0,20 1,00 61,00
72-107 973.373,73 0,11 149 0,44 2,85 0,11 1,00 76,43
108-143 32.356.866,57 3,58 3793 11,28 2,99 0,14 1,00 87,96
144-179 62.522.843,59 6,92 5493 16,33 2,89 0,19 1,00 121,04
180-215 115.102.532,84 12,73 5955 17,71 2,60 0,24 1,00 123,82
216-251 297.476.173,49 32,91 11713 34,83 2,30 0,32 1,00 141,24
252-287 63.351.589,58 7,01 1458 4,34 1,47 0,47 1,01 130,01
288-323 195.265.735,55 21,60 3331 9,91 1,65 0,52 1,01 129,35
324-360 128.177.204,09 14,18 1636 4,86 1,68 0,63 1,02 115,75
> 360 8.763.305,83 0,97 100 0,30 1,75 0,67 1,03 111,89
Total 903.990.314,59 100,00 33629 100,00 2,11 0,40 1,01 128,39
Table '04' - Seasoning in months 8Table '04' - Seasoning in months 8
Seasoningin months Outstanding
balance
%Outstanding
balanceNumberof loans
%Numberof loans
Weightedaverage interest
rate
Weightedaverage
CLTV
WeightedaverageAdjusted
LTM
Weightedaverage
seasoning
49 - 60 448.300,36 0,05 7 0,02 1,61 0,66 1,00 60,00
61 - 72 30.851.324,81 3,41 768 2,28 2,83 0,48 1,01 67,40
73 - 84 88.346.634,12 9,77 2006 5,97 1,97 0,51 1,02 80,53
85 - 96 191.505.317,24 21,18 3820 11,36 1,42 0,51 1,01 90,81
97 -108 44.597.701,05 4,93 1790 5,32 2,60 0,42 1,01 99,80
109 - 548.241.037,01 60,65 25238 75,05 2,30 0,33 1,00 155,05
Total 903.990.314,59 100,00 33629 100,00 2,11 0,40 1,01 128,39
Table '05' - Interest rate 9Table '05' - Interest rate 9
Interest rateOutstanding
balance
%Outstanding
balanceNumberof loans
%Numberof loans
Weightedaverage interest
rate
Weightedaverage
CLTV
WeightedaverageAdjusted
LTM
Weightedaverage
seasoning
Interest rate < 2,5 591.500.122,61 65,43 16173 48,09 0,98 0,44 1,01 126,40
2.5 < Interest Rate <= 3.0 14.128.489,47 1,56 522 1,55 2,73 0,40 1,00 147,15
3.0 < Interest Rate <= 3.5 14.321.749,03 1,58 701 2,08 3,33 0,25 1,00 112,97
3.5 < Interest Rate <= 4.0 88.854.025,82 9,83 3950 11,75 3,80 0,31 1,00 122,95
4.0 < Interest Rate <= 4.5 98.430.314,36 10,89 5334 15,86 4,26 0,34 1,01 126,13
4.5 < Interest Rate <= 5.0 64.754.759,78 7,16 3874 11,52 4,74 0,34 1,00 139,45
5.0 < Interest Rate <= 5.5 17.558.863,26 1,94 1531 4,55 5,24 0,30 1,00 148,46
5.5 < Interest Rate <= 6.0 8.937.131,00 0,99 933 2,77 5,72 0,28 1,00 172,22
6.0 < Interest Rate <= 6.5 4.345.231,83 0,48 433 1,29 6,29 0,19 1,00 197,27
6.5 < Interest Rate <= 7.0 1.072.447,63 0,12 166 0,49 6,68 0,19 1,00 200,96
Interest Rate > 7.0 87.179,80 0,01 12 0,04 7,27 0,21 1,00 196,80
Total 903.990.314,59 100,00 33629 100,00 2,11 0,40 1,01 128,39
Table '06' - Interest rate review code 10Table '06' - Interest rate review code 10
Interestrate
reviewcode
Outstanding balance
%Outstanding
balanceNumberof loans
%Numberof loans
Weightedaverage interest
rate
Weightedaverage
CLTV
WeightedaverageAdjusted
LTM
Weightedaverage
seasoning
Noreview 296.605.267,26 32,81 16658 49,53 4,25 0,32 1,00 129,92
1 y / 1 y 366.861.804,13 40,58 9259 27,53 0,86 0,44 1,01 121,89
3 y / 3 y 67.865.287,97 7,51 1545 4,59 0,93 0,47 1,01 103,41
5 y / 5 y 94.727.802,17 10,48 3228 9,60 1,41 0,40 1,00 137,26
10 y / 5 y 76.881.823,59 8,50 2923 8,69 1,69 0,38 1,00 164,78
15 y / 5 y 388.118,48 0,04 9 0,03 4,97 0,37 1,00 125,66
20 y / 5 y 660.210,99 0,07 7 0,02 4,69 0,57 1,00 117,01
Total 903.990.314,59 100,00 33629 100,00 2,11 0,40 1,01 128,39
Table '07' - Reset date 11Table '07' - Reset date 11
Resetdate Outstanding
balance
%Outstanding
balanceNumberof loans
%Numberof loans
Weightedaverage interest
rate
Weightedaverage
CLTV
WeightedaverageAdjusted
LTM
Weightedaverage
seasoning
2017 210.188.840,67 23,25 6780 20,16 1,06 0,44 1,01 123,53
2018 241.660.904,03 26,73 9501 28,25 1,18 0,40 1,01 129,41
2019 111.914.165,84 12,38 5455 16,22 2,38 0,36 1,01 133,74
2020 73.049.285,52 8,08 3715 11,05 2,69 0,29 1,00 143,91
2021 68.180.748,39 7,54 2833 8,42 2,06 0,33 1,00 136,28
2022 24.438.393,23 2,70 1159 3,45 3,06 0,27 1,00 141,76
2023 9.823.825,03 1,09 405 1,20 4,54 0,27 1,00 132,20
2024 8.661.275,41 0,96 311 0,92 4,42 0,30 1,00 124,78
2025 33.548.203,97 3,71 998 2,97 3,99 0,33 1,00 135,03
2026 28.076.354,49 3,11 773 2,30 4,02 0,35 1,00 123,26
2027 10.620.204,06 1,17 281 0,84 4,44 0,38 1,00 116,87
2028 5.326.705,63 0,59 139 0,41 4,48 0,44 1,00 106,43
2029 4.538.509,57 0,50 104 0,31 4,25 0,46 1,01 106,67
2030 10.783.902,21 1,19 219 0,65 3,93 0,50 1,00 120,23
2031 15.761.908,75 1,74 288 0,86 4,09 0,53 1,01 112,24
2032 8.645.975,02 0,96 147 0,44 4,39 0,58 1,01 109,19
2033 3.856.299,78 0,43 57 0,17 4,30 0,58 1,01 109,11
2034 3.150.569,86 0,35 49 0,15 4,01 0,58 1,02 102,59
2035 3.760.980,18 0,42 57 0,17 3,89 0,58 1,01 113,62
2036 11.016.964,13 1,22 136 0,40 4,15 0,67 1,02 105,62
2037 5.735.681,12 0,63 91 0,27 4,29 0,64 1,02 110,54
2038 2.881.739,64 0,32 41 0,12 4,94 0,76 1,03 100,78
2039 2.088.102,42 0,23 25 0,07 4,03 0,68 1,03 94,47
2040 2.427.355,20 0,27 25 0,07 3,45 0,74 1,03 83,82
2041 2.939.865,41 0,33 32 0,10 4,17 0,71 1,02 69,40
2042 913.555,03 0,10 8 0,02 4,34 0,79 1,10 63,64
Total 903.990.314,59 100,00 33629 100,00 2,11 0,40 1,01 128,39
Table '08' - Principal payment type 12Table '08' - Principal payment type 12
Principalpayment
typeOutstanding
balance
%Outstanding
balanceNumberof loans
%Numberof loans
Weightedaverage interest
rate
Weightedaverage
CLTV
WeightedaverageAdjusted
LTM
Weightedaverage
seasoning
Linear 51.310.383,00 5,68 3301 9,82 1,85 0,23 1,00 136,01
Annuity 852.679.931,59 94,32 30328 90,18 2,13 0,41 1,01 127,94
Total 903.990.314,59 100,00 33629 100,00 2,11 0,40 1,01 128,39
Table '09' - Principal payment frequency 13Table '09' - Principal payment frequency 13
Principalpayment
frequencyOutstanding
balance
%Outstanding
balanceNumberof loans
%Numberof loans
Weightedaverage interest
rate
Weightedaverage
CLTV
WeightedaverageAdjusted
LTM
Weightedaverage
seasoning
Monthly 903.990.314,59 100,00 33629 100,00 2,11 0,40 1,01 128,39
Total 903.990.314,59 100,00 33629 100,00 2,11 0,40 1,01 128,39
Table '10' - Loan purpose 14Table '10' - Loan purpose 14
Loanpurpose Outstanding
balance
%Outstanding
balanceNumberof loans
%Numberof loans
Weightedaverage interest
rate
Weightedaverage
CLTV
WeightedaverageAdjusted
LTM
Weightedaverage
seasoning
Purchase 519.364.009,44 57,45 13298 39,54 1,95 0,45 1,01 125,76
Remortgage 155.129.156,31 17,16 8200 24,38 2,67 0,33 1,00 128,66
Renovation 76.558.176,76 8,47 6994 20,80 2,64 0,28 1,00 120,47
Construction 152.901.289,94 16,91 5134 15,27 1,85 0,35 1,01 141,02
Other 37.682,14 0,00 3 0,01 5,02 0,57 1,00 109,03
Total 903.990.314,59 100,00 33629 100,00 2,11 0,40 1,01 128,39
Table '11' - Employment type 15Table '11' - Employment type 15
Employmenttype Outstanding
balance
%Outstanding
balanceNumberof loans
%Numberof loans
Weightedaverage interest
rate
Weightedaverage
CLTV
WeightedaverageAdjusted
LTM
Weightedaverage
seasoning
Employed 798.918.843,21 88,38 30011 89,24 2,10 0,40 1,01 128,37
Unemployed 18.094.044,92 2,00 634 1,89 2,61 0,43 1,01 129,24
Self employed 86.977.426,46 9,62 2984 8,87 2,11 0,37 1,00 128,43
Total 903.990.314,59 100,00 33629 100,00 2,11 0,40 1,01 128,39
Table '12' - Current loan to value 16Table '12' - Current loan to value 16
Current loan to valueOutstanding
balance
%Outstanding
balanceNumberof loans
%Numberof loans
Weightedaverage interest
rate
Weightedaverage
CLTV
WeightedaverageAdjusted
LTM
Weightedaverage
seasoning
Current Loan To Value<= 10% 87.011.914,41 9,63 11481 34,14 3,05 0,06 1,00 148,85
10% < CLTV <= 20% 138.373.065,37 15,31 7599 22,60 2,56 0,15 1,00 145,04
20% < CLTV <= 30% 134.634.997,07 14,89 4691 13,95 2,15 0,25 1,00 136,27
30% < CLTV <= 40% 125.995.971,53 13,94 3248 9,66 1,90 0,35 1,00 133,68
40% < CLTV <= 50% 109.949.128,07 12,16 2287 6,80 1,82 0,45 1,01 127,46
50% < CLTV <= 60% 104.236.077,46 11,53 1736 5,16 1,77 0,55 1,01 122,44
60% < CLTV <= 70% 85.872.971,08 9,50 1211 3,60 1,77 0,65 1,01 111,02
70% < CLTV <= 80% 78.886.132,02 8,73 893 2,66 1,89 0,75 1,02 100,27
80% < CLTV <= 90% 32.209.509,21 3,56 371 1,10 1,93 0,83 1,03 91,94
90% < CLTV <= 100% 4.534.333,71 0,50 76 0,23 2,25 0,93 1,04 93,90
100% < CLTV <= 110% 644.698,50 0,07 13 0,04 2,24 1,05 1,06 112,55
110% < CLTV <= 120% 804.356,55 0,09 13 0,04 2,37 1,14 1,11 112,52
120% < CLTV <= 130% 425.973,82 0,05 5 0,01 1,39 1,24 1,13 116,50
130% < CLTV <= 140% 372.676,53 0,04 1 0,00 1,43 1,32 1,00 83,00
150% < CLTV 38.509,26 0,00 4 0,01 1,08 2,41 1,00 150,03
Total 903.990.314,59 100,00 33629 100,00 2,11 0,40 1,01 128,39
Table '14' - Loan to mortgage 17Table '14' - Loan to mortgage 17
Loan to mortgageOutstanding
balance
%Outstanding
balanceNumberof loans
%Numberof loans
Weightedaverage interest
rate
Weightedaverage
CLTV
WeightedaverageAdjusted
LTM
Weightedaverage
seasoning
LTM <= 10% 19.163.966,88 2,12 4829 14,36 3,27 0,05 1,00 165,66
10% < LTM <= 20% 54.214.497,10 6,00 5612 16,69 3,10 0,10 1,00 164,34
20% < LTM <= 30% 74.109.531,13 8,20 4888 14,54 2,73 0,15 1,00 149,38
30% < LTM <= 40% 92.071.771,95 10,19 4142 12,32 2,24 0,23 1,00 147,54
40% < LTM <= 50% 107.739.231,90 11,92 3616 10,75 2,02 0,30 1,00 142,27
50% < LTM <= 60% 120.820.698,91 13,37 3117 9,27 2,00 0,37 1,00 136,67
60% < LTM <= 70% 123.775.124,73 13,69 2551 7,59 1,88 0,46 1,00 123,47
70% < LTM <= 80% 136.646.606,96 15,12 2117 6,30 1,87 0,57 1,00 107,51
80% < LTM <= 90% 84.367.716,86 9,33 1310 3,90 1,92 0,63 1,00 98,95
90% < LTM <= 100% 37.037.827,10 4,10 673 2,00 1,90 0,60 1,00 104,52
100% < LTM <= 110% 28.860.133,57 3,19 420 1,25 1,61 0,60 1,05 97,58
110% < LTM <= 120% 17.645.119,49 1,95 237 0,70 1,87 0,68 1,15 95,39
120% < LTM <= 130% 5.856.096,73 0,65 89 0,26 1,81 0,67 1,24 102,86
130% < LTM <= 140% 1.681.991,28 0,19 28 0,08 1,36 0,65 1,34 114,13
Total 903.990.314,59 100,00 33629 100,00 2,11 0,40 1,01 128,39
Table '15' - Adjusted loan to mortgage 18Table '15' - Adjusted loan to mortgage 18
Adjusted loan tomortgage Outstanding
balance
%Outstanding
balanceNumberof loans
%Numberof loans
Weightedaverage interest
rate
Weightedaverage
CLTV
WeightedaverageAdjusted
LTM
Weightedaverage
seasoning
90% < LTM <= 100% 849.946.973,52 94,02 32855 97,70 2,14 0,38 1,00 130,33
100% < LTM <= 110% 28.860.133,57 3,19 420 1,25 1,61 0,60 1,05 97,58
110% < LTM <= 120% 17.645.119,49 1,95 237 0,70 1,87 0,68 1,15 95,39
120% < LTM <= 130% 5.856.096,73 0,65 89 0,26 1,81 0,67 1,24 102,86
130% < LTM <= 140% 1.681.991,28 0,19 28 0,08 1,36 0,65 1,34 114,13
Total 903.990.314,59 100,00 33629 100,00 2,11 0,40 1,01 128,39
Table '16' - Hypothecair gedekt 19Table '16' - Hypothecair gedekt 19
Hypothecairgedekt Outstanding
balance
%Outstanding
balanceNumberof loans
%Numberof loans
Weightedaverage interest
rate
Weightedaverage
CLTV
WeightedaverageAdjusted
LTM
Weightedaverage
seasoning
Yes 903.990.314,59 100,00 33629 100,00 2,11 0,40 1,01 128,39
Total 903.990.314,59 100,00 33629 100,00 2,11 0,40 1,01 128,39
Table '17' - Original loan to value 20Table '17' - Original loan to value 20
Original loan to valueOutstanding
balance
%Outstanding
balanceNumberof loans
%Numberof loans
Weightedaverage interest
rate
Weightedaverage
CLTV
WeightedaverageAdjusted
LTM
Weightedaverage
seasoning
Original Loan To Value<= 10% 2.773.036,71 0,31 382 1,14 3,07 0,02 1,00 125,83
10% < OLTV <= 20% 13.917.720,67 1,54 1441 4,28 2,99 0,07 1,00 112,85
20% < OLTV <= 30% 33.377.278,48 3,69 2366 7,04 2,72 0,12 1,00 125,54
30% < OLTV <= 40% 56.333.157,26 6,23 3376 10,04 2,54 0,17 1,00 129,81
40% < OLTV <= 50% 77.377.532,49 8,56 3961 11,78 2,41 0,21 1,00 132,73
50% < OLTV <= 60% 87.482.804,85 9,68 3727 11,08 2,26 0,28 1,00 132,38
60% < OLTV <= 70% 98.646.966,63 10,91 3827 11,38 2,18 0,34 1,01 129,84
70% < OLTV <= 80% 104.126.398,76 11,52 3489 10,37 2,02 0,40 1,01 129,99
80% < OLTV <= 90% 125.382.592,50 13,87 3702 11,01 1,96 0,47 1,01 127,65
90% < OLTV <= 100% 245.004.698,69 27,10 5803 17,26 1,94 0,57 1,01 125,83
100% < OLTV <= 110% 17.051.259,69 1,89 402 1,20 1,66 0,53 1,02 126,94
110% < OLTV <= 120% 10.843.216,45 1,20 262 0,78 1,74 0,55 1,01 124,51
120% < OLTV <= 130% 6.905.913,57 0,76 173 0,51 1,47 0,54 1,01 127,92
130% < OLTV <= 140% 5.724.773,17 0,63 149 0,44 1,29 0,46 1,01 129,62
140% < OLTV <=150% 3.102.795,14 0,34 108 0,32 1,58 0,42 1,01 137,94
150% < OLTV 15.940.169,53 1,76 461 1,37 1,59 0,50 1,00 128,48
Total 903.990.314,59 100,00 33629 100,00 2,11 0,40 1,01 128,39
Table '18' - Employee (Y/N) 21Table '18' - Employee (Y/N) 21
Employee(Y/N) Outstanding
balance
%Outstanding
balanceNumberof loans
%Numberof loans
Weightedaverage interest
rate
Weightedaverage
CLTV
WeightedaverageAdjusted
LTM
Weightedaverage
seasoning
No 903.493.878,39 99,95 33615 99,96 2,11 0,40 1,01 128,41
Yes 496.436,20 0,05 14 0,04 1,39 0,40 1,04 105,90
Total 903.990.314,59 100,00 33629 100,00 2,11 0,40 1,01 128,39
Table '19' - Occupancy Type 22Table '19' - Occupancy Type 22
Occupancy TypeOutstanding
balance
%Outstanding
balanceNumberof loans
%Numberof loans
Weightedaverage interest
rate
Weightedaverage
CLTV
WeightedaverageAdjusted
LTM
Weightedaverage
seasoning
Owner occupied 704.019.153,84 77,88 23498 69,87 2,11 0,41 1,01 123,14
Buy to let 35.819.627,20 3,96 1003 2,98 2,40 0,38 1,00 110,03
Mixed commercial / private 15.584.198,40 1,72 525 1,56 2,45 0,32 1,00 106,69
Other 148.567.335,15 16,43 8603 25,58 2,03 0,34 1,00 160,01
Total 903.990.314,59 100,00 33629 100,00 2,11 0,40 1,01 128,39
Table '20' - Provincie 23Table '20' - Provincie 23
ProvincieOutstanding
balance
%Outstanding
balanceNumberof loans
%Numberof loans
Weightedaverage interest
rate
Weightedaverage
CLTV
WeightedaverageAdjusted
LTM
Weightedaverage
seasoning
Onbekend 133.585,90 0,01 5 0,01 0,61 0,00 1,00 131,32
Brussels Hoofdstedelijk gewest 44.720.910,57 4,95 975 2,90 2,23 0,44 1,00 124,01
Waals Brabant 6.713.393,81 0,74 207 0,62 2,25 0,43 1,01 128,73
Vlaams Brabant 137.567.541,07 15,22 5256 15,63 2,14 0,38 1,01 132,56
Antwerpen 250.426.082,24 27,70 8737 25,98 2,03 0,40 1,01 127,32
Limburg 128.704.451,02 14,24 5482 16,30 2,11 0,40 1,01 129,54
Luik 15.153.330,78 1,68 654 1,94 2,38 0,37 1,00 130,51
Namen 1.654.070,94 0,18 53 0,16 1,99 0,49 1,00 122,28
Henegouwen 6.896.375,51 0,76 205 0,61 2,76 0,45 1,01 123,53
Luxemburg 1.549.303,10 0,17 44 0,13 2,51 0,43 1,00 118,28
West-Vlaanderen 142.083.792,43 15,72 5674 16,87 2,14 0,39 1,01 126,61
Oost-Vlaanderen 168.387.477,22 18,63 6337 18,84 2,11 0,39 1,01 128,52
Total 903.990.314,59 100,00 33629 100,00 2,11 0,40 1,01 128,39
Table '21' - Region 24Table '21' - Region 24
RegionOutstanding
balance
%Outstanding
balanceNumberof loans
%Numberof loans
Weightedaverage interest
rate
Weightedaverage
CLTV
WeightedaverageAdjusted
LTM
Weightedaverage
seasoning
1. Flanders 827.302.929,88 91,52 31491 93,64 2,10 0,39 1,01 128,66
2. Brussels 44.720.910,57 4,95 975 2,90 2,23 0,44 1,00 124,01
3. Wallonie 31.966.474,14 3,54 1163 3,46 2,42 0,41 1,01 127,61
Total 903.990.314,59 100,00 33629 100,00 2,11 0,40 1,01 128,39
Table '22' - Property Type 25Table '22' - Property Type 25
Property TypeOutstanding
balance
%Outstanding
balanceNumberof loans
%Numberof loans
Weightedaverage interest
rate
Weightedaverage
CLTV
WeightedaverageAdjusted
LTM
Weightedaverage
seasoning
Other 25.118.263,55 2,78 3028 9,00 3,52 0,18 1,00 181,49
Commercial 11.990.184,45 1,33 444 1,32 2,21 0,26 1,00 132,96
Residential house + appartment 866.881.866,59 95,90 30157 89,68 2,07 0,41 1,01 126,79
Total 903.990.314,59 100,00 33629 100,00 2,11 0,40 1,01 128,39
