SC Germany Auto 2016-2
Monthly Investor Report
SC Germany Auto 2016-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 16
Cover Sheet Monthly Investor Report Monthly Period Nov 2017
Interest Period from 13.10.2017 to 13.11.2017 = 31 days
Collection Period from 01.10.2017 to 31.10.2017
Index Page
1. Portfolio Information 1
2. Reserve Accounts 2
3. Delinquency Data 3
4. Default Data 4
5. Concentration Limits 5
6. Outstanding Notes 6
7. Original Principal Balance 7
7.1 Original PB (Graph) 8
8. Current Principal Balance 9
8.1 Current PB (Graph) 10
9. Borrower Concentration 11
10. Geographical Distribution 12
10.1 Geographical (Graph) 13
11. Object / Vehicle / Distribution 14
12. Insurances 15
13. Contract Type 16
14. Payment Methods 17
15. Downpayment 18
16. Customer Yield 19
16.1 Customer Yield (Graph) 20
17. Seasoning 21
17.1 Seasoning (Graph) 22
18. Remaining Term 23
18.1 Remaining Term (Graph) 24
19. Original Term 25
19.1 Original Term (Graph) 26
20. Manufacturer Brands 27
21. Priority of Payments + Transaction Costs 28
22. Retention 29
23. Counterparties 30
24. Issuer Information 31
25. Santander Consumer Bank 32
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 16
1. Portfolio Information Monthly Period Nov 2017
Interest Period from 13.10.2017 to 13.11.2017 = 31 days
Collection Period from 01.10.2017 to 31.10.2017
current period previous period
Outstanding ReceivablesNo. of
Contracts
Aggregate Outstanding
Principal Amount
Aggregate Outstanding
Principal Amount
Beginning of Period 149.691 1.499.999.998,98 € 1.499.999.995,46 €
Scheduled Principal Payments 29.726.788,19 €
Prepayment Principal 16.021.510,62 €
Others 1.490.320,29 €
Total Principal Collections 47.238.619,10 € 45.636.643,60 €
Total Interest Collections 6.476.521,72 € 6.369.070,45 €
Defaults 298.109,94 € 200.074,93 €
Replenishment Amount 47.536.725,05 € 45.836.722,05 €
End of Period 150.460 1.499.999.994,99 € 1.499.999.998,98 €
Purchase Shortfall Amount 5,01 € 1,02 €
Total Assets (End of Period) 1.500.000.000,00 € 1.500.000.000,00 €
Current Prepayment Rate (annualised) 12,1%
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 16
2. Reserve Accounts Monthly Period Nov 2017
Interest Period from 13.10.2017 to 13.11.2017 = 31 days
Collection Period from 01.10.2017 to 31.10.2017
Note BalanceBeginning of Period 1.500.000.000,00 €
End of Period 1.500.000.000,00 €
Reserve AccountsReserve Account in % Trigger Event y/n
Beginning of Period 1,00% 15.000.000,00 €
Cash Outflow - €
Cash Inflow - €
End of Period 1,00% 15.000.000,00 €
Required Reserve Fund 1,00% 15.000.000,00 €
Commingling Reserve in %
Beginning of Period n/a no
Cash Outflow n/a
Cash Inflow n/a
End of Period n/a
Required Commingling Reserve Fund n/a
Set-Off Reserve (X) in %
Beginning of Period n/a no
Cash Outflow n/a
Cash Inflow n/a
End of Period n/a
Required Set-Off Reserve (X) Fund n/a
Set-Off Reserve (Y) in %
Beginning of Period n/a no
Cash Outflow n/a
Cash Inflow n/a
End of Period n/a
Required Set-Off Reserve (Y) Fund n/a
Current Set-Off (X) Amount 6.232.031,54 €
Current Set-Off (Y) Amount n/a
Set-Off Amount (Y) (per Loan) n/a
Set-Off Amount (Y) (in % of Outstanding Balance) n/a
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 16
3. Delinquency Data Monthly Period Nov 2017
Interest Period from 13.10.2017 to 13.11.2017 = 31 days
Collection Period from 01.10.2017 to 31.10.2017
Note BalanceBeginning of Period 1.500.000.000,00 €
End of Period 1.500.000.000,00 €
Delinquency Data and Ratios3-MRA* /
current ratio Amount at risk Overdue amount
Number of
Loans
3-MRA* 1- 30 days past due 0,21%
1- 30 days past due period before previous period 4.531.117,90 € 85.079,88 € 398
1- 30 days past due previous period 2.050.536,75 € 62.229,46 € 183
1- 30 days past due current period 0,18% 2.729.633,56 € 87.732,57 € 259
3-MRA* 31- 60 days past due 0,15%
31- 60 days past due period before previous period 1.993.612,21 € 68.452,03 € 180
31- 60 days past due previous period 2.821.982,96 € 126.489,29 € 271
31- 60 days past due current period 0,14% 2.071.520,94 € 77.014,72 € 190
3-MRA* 61-90 days past due 0,06%
61- 90 days past due period before previous period 856.071,62 € 50.449,31 € 82
61- 90 days past due previous period 793.455,39 € 47.992,33 € 79
61- 90 days past due current period 0,06% 932.273,98 € 57.390,90 € 103
3-MRA* 91-120 days past due 0,04%
91- 120 days past due period before previous period 614.697,16 € 43.117,97 € 56
91- 120 days past due previous period 616.828,72 € 44.052,61 € 52
91- 120 days past due current period 0,03% 444.012,37 € 39.111,89 € 50
3-MRA* 121-150 days past due 0,02%
121- 150 days past due period before previous period 332.653,20 € 31.420,05 € 30
121- 150 days past due previous period 374.471,48 € 36.669,08 € 36
121- 150 days past due current period 0,03% 415.121,58 € 36.423,03 € 31
3-MRA* 151-180 days past due 0,03%
151- 180 days past due period before previous period 475.578,29 € 64.864,30 € 36
151- 180 days past due previous period 382.641,92 € 49.332,01 € 30
151- 180 days past due current period 0,03% 467.951,51 € 61.907,05 € 39
* 3-MRA stands for three months rolling average
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 16
4. Default Data Monthly Period Nov 2017
Interest Period from 13.10.2017 to 13.11.2017 = 31 days
Collection Period from 01.10.2017 to 31.10.2017
Note BalanceBeginning of Period 1.500.000.000,00 €
End of Period 1.500.000.000,00 €
Default Data and Ratios Amount Number of Loans
Current Default
Current Period Gross Default 298.109,94 €
Current Period Recoveries 25.688,68 €
Current Period Net Default 272.421,26 €
New Number of Defaulted Contracts 37
Cumulative Default
Cumulative Gross Default 2.271.875,32 €
Cumulative Recoveries 141.312,60 €
Cumulative Net Default 2.130.562,72 €
Total Number of Defaulted Contracts 261
3-MRA* /
current ratio Ratio
3-MRA* Annualised Net Default Ratio (New Default) 0,18%
Annualised Loss Ratio period before previous period 0,20%
Annualised Loss Ratio previous period 0,13%
Annualised Loss Ratio current period 0,22% 0,22%
Principal Deficiency Trigger Event y/n
Principal Deficiency period before previous period - € no
Principal Deficiency previous period - €
Principal Deficiency current period - €
PDL Trigger 2.500.000,00 €
Repurchased Assets
Current Repurchased Asset Amount through breach of warranty or voluntary buyback - €
Cumulative Repurchased Asset Amount through breach of warranty or voluntary buyback - €
* 3-MRA stands for three months rolling average
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 16
5. Concentration Limits Monthly Period Nov 2017
Interest Period from 13.10.2017 to 13.11.2017 = 31 days
Collection Period from 01.10.2017 to 31.10.2017
Portfolio Concentrations Minimum-Trigger Maximum-Trigger Current Value Trigger Breach
New Vehicles (applicable for Replenishment Portfolio) 35,00% - 35,01% no
Average Yield (applicable for Total Portfolio) 3,10% - 3,92% no
Contracts with Balloon Rates (applicable for Total Portfolio) - 42,00% 39,90% no
Remaining Term (applicable for Total Portfolio) - 62,50 46,25 no
Loans with Original Term of more than 90 months (applicable for Total Portfolio) - 30,00% 22,85% no
Early Amortisation Events Maximum-Trigger Current Value Trigger Breach
Cumulative Loss Ratio
- prior to or on 30 June 2017 0,75% - -
- prior to or on 30 June 2018 1,20% 0,10% no
- prior to or on 30 June 2019 1,80% 0,10% no
- prior to or on 30 June 2020 2,25% 0,10% no
Purchase Shortfall Event no
Period before previous period 4,12 €
Previous period 4,54 €
Current period 1,02 €
Principal Deficiency Event no
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 16
6. Outstanding Notes Monthly Period Nov 2017
Interest Period from 13.10.2017 to 13.11.2017 = 31 days
Collection Period from 01.10.2017 to 31.10.2017
1. Note Balance All notes Class A Class BGeneral Note Information
ISIN Code XS1446535053 XS1446535301
Currency EUR EUR
Initial Tranching in % 96,00% 4,00%
Legal Maturity Jul 2032 Jul 2032
Expected Maturity Mrz 2024 Mrz 2024
Original Rating (DBRS / S&P) A(sf) / A(sf) Not rated
Current Rating (DBRS / S&P)* A(sf) / A(sf) Not rated
Initial Notes Aggregate Principal Outstanding Balance 1.500.000.000,00 € 1.440.000.000,00 € 60.000.000,00 €
Initial Nominal per Note 100.000,00 € 100.000,00 €
Initial Number of Notes per Class 14.400 600
Current Note Information
Class Principal Outstanding Balance Beginning of Period 1.500.000.000,00 € 1.440.000.000,00 € 60.000.000,00 €
Available Distribution Amount 68.740.830,52 €
Replenishment 47.536.725,05 €
Amortisation 0,00 €
Redemption per Class 0,00 € 0,00 € 0,00 €
Redemption per Note 0,00 € 0,00 €
Class Principal Outstanding Balance End of Period 1.500.000.000,00 € 1.440.000.000,00 € 60.000.000,00 €
Current Tranching 96,00% 4,00%
Current Pool Factor 1,00 1,00
2. Payments to Investors per Note All notes Class A Class B Interest Rate Basis: Fixed 1,072% 2,277%
DayCount Convention act/360 act/360
Interest Days 31
Principal Outstanding per Note Beginning of Period 100.000,00 € 100.000,00 €
> Principal Repayment per Note 0,00 € 0,00 €
Principal Outstanding per Note End of Period 100.000,00 € 100.000,00 €
> Interest accrued for the period 1.329.264,00 € 117.648,00 €
Interest Payment 1.329.264,00 € 117.648,00 €
Interest Payment per Note 92,31 € 196,08 €
3. Credit Enhancements Class A Class B Initial total CE (Subordination, Reserve) 5,00% 1,00%
Current CE (incl. Excess Spread) 7,80% 3,80%
Current CE (excl. Excess Spread) 5,00% 1,00%
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 16
7. Original Principal Balance Monthly Period Nov 2017
Interest Period from 13.10.2017 to 13.11.2017 = 31 days
Collection Period from 01.10.2017 to 31.10.2017
Original Principal Balance
(Ranges in EUR)
Original Principal
Balance in EUR
Percentage of
Total Balance Number of Loans
Percentage of Total
Loans
0: 999 24.804,66 0,00% 28 0,02%
1000: 1999 813.863,79 0,04% 498 0,33%
2000: 2999 5.085.406,86 0,24% 1.991 1,32%
3000: 3999 14.162.969,03 0,67% 4.043 2,69%
4000: 4999 26.260.267,77 1,25% 5.826 3,87%
5000: 5999 39.412.713,46 1,88% 7.182 4,77%
6000: 6999 51.665.662,77 2,46% 7.936 5,27%
7000: 7999 61.830.346,07 2,95% 8.232 5,47%
8000: 8999 71.955.863,52 3,43% 8.462 5,62%
9000: 9999 79.141.586,03 3,77% 8.325 5,53%
10000:10999 101.816.010,15 4,85% 9.702 6,45%
11000:11999 98.471.353,88 4,69% 8.558 5,69%
12000:12999 102.137.300,17 4,86% 8.173 5,43%
13000:13999 104.925.016,93 5,00% 7.776 5,17%
14000:14999 99.774.506,97 4,75% 6.878 4,57%
15000:15999 104.696.912,44 4,99% 6.759 4,49%
16000:16999 101.613.554,09 4,84% 6.163 4,10%
17000:17999 95.418.505,98 4,54% 5.455 3,63%
18000:18999 92.542.242,83 4,41% 5.005 3,33%
19000:19999 85.968.942,15 4,09% 4.411 2,93%
20000:20999 82.203.327,92 3,92% 4.016 2,67%
21000:21999 78.287.045,84 3,73% 3.645 2,42%
22000:22999 71.115.947,24 3,39% 3.162 2,10%
23000:23999 62.403.924,25 2,97% 2.656 1,77%
24000:24999 57.647.660,00 2,75% 2.353 1,56%
25000:25999 50.923.668,54 2,43% 1.998 1,33%
26000:26999 47.180.062,36 2,25% 1.782 1,18%
27000:27999 42.108.168,83 2,01% 1.532 1,02%
28000:28999 35.810.141,99 1,71% 1.257 0,84%
29000:29999 30.755.348,69 1,46% 1.043 0,69%
30000:30999 25.776.215,16 1,23% 846 0,56%
31000:31999 25.038.601,89 1,19% 795 0,53%
32000:32999 20.638.633,81 0,98% 635 0,42%
33000:33999 17.348.550,94 0,83% 518 0,34%
34000:34999 14.732.842,36 0,70% 427 0,28%
35000:35999 13.016.909,55 0,62% 367 0,24%
36000:36999 11.311.908,71 0,54% 310 0,21%
37000:37999 10.454.240,56 0,50% 279 0,19%
38000:38999 8.163.663,30 0,39% 212 0,14%
39000:39999 6.350.501,15 0,30% 161 0,11%
40000:40999 6.270.339,62 0,30% 155 0,10%
41000:41999 4.359.026,14 0,21% 105 0,07%
42000:42999 5.353.485,18 0,25% 126 0,08%
43000:43999 3.606.767,13 0,17% 83 0,06%
44000:44999 3.562.257,26 0,17% 80 0,05%
45000:45999 3.683.564,87 0,18% 81 0,05%
46000:46999 2.882.927,03 0,14% 62 0,04%
47000:47999 2.376.812,64 0,11% 50 0,03%
48000:48999 2.424.107,57 0,12% 50 0,03%
49000:49999 1.536.479,66 0,07% 31 0,02%
50000:50999 1.664.308,37 0,08% 33 0,02%
51000:51999 1.081.574,27 0,05% 21 0,01%
52000:52999 840.594,10 0,04% 16 0,01%
53000:53999 960.983,10 0,05% 18 0,01%
54000:54999 815.275,01 0,04% 15 0,01%
55000:55999 885.643,40 0,04% 16 0,01%
56000:56999 507.618,48 0,02% 9 0,01%
57000:57999 516.372,30 0,02% 9 0,01%
58000:58999 408.851,22 0,02% 7 0,00%
59000:59999 478.695,54 0,02% 8 0,01%
60000:60000 300.000,00 0,01% 5 0,00%60001: 5.974.796,08 0,28% 83 0,06%
Total 2.099.475.671,61 100,00% 150.460 100,00%
Statistics in EUR
Average Amount 13.953,71
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 16
7.1 Original PB (Graph) Monthly Period Nov 2017
Interest Period from 13.10.2017 to 13.11.2017 = 31 days
Collection Period from 01.10.2017 to 31.10.2017
0
20.000.000
40.000.000
60.000.000
80.000.000
100.000.000
120.000.000
Ori
gin
al P
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cip
al B
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Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 16
8. Current Principal Balance Monthly Period Nov 2017
Interest Period from 13.10.2017 to 13.11.2017 = 31 days
Collection Period from 01.10.2017 to 31.10.2017
Current Principal Balance
(Ranges in EUR)
Current Principal
Balance in EUR
Percentage of
Total Balance Number of Loans
Percentage of
Total Loans
0: 999 2.484.152,19 0,17% 5.123 3,40%
1000: 1999 10.573.284,78 0,70% 6.982 4,64%
2000: 2999 20.951.790,94 1,40% 8.344 5,55%
3000: 3999 32.356.780,27 2,16% 9.216 6,13%
4000: 4999 43.089.637,29 2,87% 9.577 6,37%
5000: 5999 52.390.594,42 3,49% 9.525 6,33%
6000: 6999 62.754.265,78 4,18% 9.656 6,42%
7000: 7999 71.907.700,07 4,79% 9.588 6,37%
8000: 8999 78.852.485,18 5,26% 9.275 6,16%
9000: 9999 84.780.961,49 5,65% 8.928 5,93%
10000:10999 85.770.462,62 5,72% 8.174 5,43%
11000:11999 85.465.188,62 5,70% 7.441 4,95%
12000:12999 85.331.806,89 5,69% 6.830 4,54%
13000:13999 81.044.425,45 5,40% 6.008 3,99%
14000:14999 78.968.451,84 5,26% 5.448 3,62%
15000:15999 71.761.104,94 4,78% 4.631 3,08%
16000:16999 65.946.239,94 4,40% 3.999 2,66%
17000:17999 63.002.778,11 4,20% 3.601 2,39%
18000:18999 55.497.054,88 3,70% 3.001 1,99%
19000:19999 50.019.054,33 3,33% 2.567 1,71%
20000:20999 45.270.032,68 3,02% 2.211 1,47%
21000:21999 38.556.596,15 2,57% 1.795 1,19%
22000:22999 33.628.930,95 2,24% 1.497 0,99%
23000:23999 29.437.933,51 1,96% 1.253 0,83%
24000:24999 25.597.833,97 1,71% 1.045 0,69%
25000:25999 21.075.791,06 1,41% 827 0,55%
26000:26999 17.913.330,64 1,19% 676 0,45%
27000:27999 15.697.437,13 1,05% 571 0,38%
28000:28999 13.844.636,51 0,92% 486 0,32%
29000:29999 10.985.271,61 0,73% 372 0,25%
30000:30999 10.067.362,35 0,67% 330 0,22%
31000:31999 7.549.909,92 0,50% 240 0,16%
32000:32999 6.917.638,68 0,46% 213 0,14%
33000:33999 5.864.289,13 0,39% 175 0,12%
34000:34999 4.694.272,13 0,31% 136 0,09%
35000:35999 4.539.548,59 0,30% 128 0,09%
36000:36999 3.430.293,65 0,23% 94 0,06%
37000:37999 3.111.241,50 0,21% 83 0,06%
38000:38999 2.579.430,36 0,17% 67 0,04%
39000:39999 1.658.686,69 0,11% 42 0,03%
40000:40999 1.904.063,33 0,13% 47 0,03%
41000:41999 1.535.609,49 0,10% 37 0,02%
42000:42999 1.102.460,14 0,07% 26 0,02%
43000:43999 1.349.295,81 0,09% 31 0,02%
44000:44999 800.797,32 0,05% 18 0,01%
45000:45999 499.795,16 0,03% 11 0,01%
46000:46999 698.699,97 0,05% 15 0,01%
47000:47999 805.722,18 0,05% 17 0,01%
48000:48999 435.539,26 0,03% 9 0,01%
49000:49999 445.183,65 0,03% 9 0,01%
50000:50999 556.743,52 0,04% 11 0,01%
51000:51999 258.203,03 0,02% 5 0,00%
52000:52999 472.338,86 0,03% 9 0,01%
53000:53999 427.675,04 0,03% 8 0,01%
54000:54999 163.775,45 0,01% 3 0,00%
55000:55999 389.100,26 0,03% 7 0,00%
56000:56999 282.257,26 0,02% 5 0,00%
57000:57999 172.869,39 0,01% 3 0,00%
58000:58999 175.082,86 0,01% 3 0,00%
59000:59999 178.805,86 0,01% 3 0,00%60001: 1.977.289,91 0,13% 28 0,02%
Total 1.499.999.994,99 100,00% 150.460 100,00%
Statistics in EUR
Average Amount 9.969,43
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 16
8.1 Current PB (Graph) Monthly Period Nov 2017
Interest Period from 13.10.2017 to 13.11.2017 = 31 days
Collection Period from 01.10.2017 to 31.10.2017
0
10.000.000
20.000.000
30.000.000
40.000.000
50.000.000
60.000.000
70.000.000
80.000.000
90.000.000
100.000.000
Cu
rre
nt
Pri
nc
ipa
l B
ala
nc
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Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 16
9. Borrower Concentration Monthly Period Nov 2017
Interest Period from 13.10.2017 to 13.11.2017 = 31 days
Collection Period from 01.10.2017 to 31.10.2017
No
Current Principal
Balance in EUR
Percentage of
Balance Number of Loans
1 98.475,32 0,0066% 1
2 90.848,06 0,0061% 1
3 83.772,12 0,0056% 1
4 78.822,07 0,0053% 1
5 78.037,78 0,0052% 1
6 77.353,10 0,0052% 1
7 77.103,67 0,0051% 1
8 74.494,91 0,0050% 1
9 73.522,62 0,0049% 1
10 73.127,45 0,0049% 1
11 72.171,85 0,0048% 1
12 71.552,12 0,0048% 1
13 70.757,14 0,0047% 1
14 69.999,50 0,0047% 1
15 68.268,51 0,0046% 1
16 67.961,77 0,0045% 1
17 67.496,13 0,0045% 1
18 66.186,11 0,0044% 1
19 64.697,73 0,0043% 1
20 64.687,99 0,0043% 1
21 62.841,41 0,0042% 1
22 61.765,91 0,0041% 1
23 61.196,93 0,0041% 1
24 61.191,20 0,0041% 1
25 60.404,61 0,0040% 1
1.796.736,01 0,1198% 25
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 16
10. Geographical Distribution Monthly Period Nov 2017
Interest Period from 13.10.2017 to 13.11.2017 = 31 days
Collection Period from 01.10.2017 to 31.10.2017
State
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
Baden-Wuerttemberg 149.625.018,60 9,98% 14.572 9,68%
Bavaria 160.729.359,06 10,72% 15.355 10,21%
Berlin 26.733.614,29 1,78% 2.823 1,88%
Brandenburg 84.957.932,00 5,66% 8.713 5,79%
Bremen 8.275.466,46 0,55% 863 0,57%
Hamburg 15.495.277,94 1,03% 1.529 1,02%
Hesse 93.677.708,67 6,25% 9.224 6,13%
Lower Saxony 158.718.828,23 10,58% 15.990 10,63%
Mecklenburg-Western Pomerania 71.159.403,37 4,74% 7.327 4,87%
North Rhine-Westphalia 282.038.950,27 18,80% 28.462 18,92%
Rhineland-Palatinate 69.416.407,14 4,63% 6.772 4,50%
Saarland 20.004.424,13 1,33% 1.935 1,29%
Saxonia 101.985.898,30 6,80% 10.976 7,29%
Saxony-Anhalt 110.925.130,11 7,40% 11.177 7,43%
Schleswig-Holstein 54.432.545,90 3,63% 5.710 3,80%
Thuringia 89.254.111,33 5,95% 8.773 5,83%
n/a 2.569.919,19 0,17% 259 0,17%
Total 1.499.999.994,99 100,00% 150.460 100,00%
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 16
10.1 Geographical Distribution (Graph) Monthly Period Nov 2017
Interest Period from 13.10.2017 to 13.11.2017 = 31 days
Collection Period from 01.10.2017 to 31.10.2017
0
50.000.000
100.000.000
150.000.000
200.000.000
250.000.000
300.000.000
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Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 16
11. Object/Vehicle Type Monthly Period Nov 2017
Interest Period from 13.10.2017 to 13.11.2017 = 31 days
Collection Period from 01.10.2017 to 31.10.2017
Vehicle Type
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
New =<90 425.957.409,94 28,40% 36.964 24,57%New >90 126.947.923,88 8,46% 8.883 5,90%
New Vehicle 552.905.333,82 36,86% 45.847 30,47%
Used =<90 731.279.105,26 48,75% 88.736 58,98%Used >90 215.815.555,91 14,39% 15.877 10,55%
Used Vehicle 947.094.661,17 63,14% 104.613 69,53%
Total 1.499.999.994,99 100,00% 150.460 100,00%
Object Type
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
Car 1.457.294.471,74 97,15% 144.487 96,03%
Motorbike 21.435.316,70 1,43% 4.465 2,97%Leisure 21.270.206,55 1,42% 1508 1,00%
Total 1.499.999.994,99 100,00% 150.460 100,00%
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 16
12. Insurances Monthly Period Nov 2017
Interest Period from 13.10.2017 to 13.11.2017 = 31 days
Collection Period from 01.10.2017 to 31.10.2017
Payment Protection
Insurance
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
No 455.477.813,19 30,37% 45.625 30,32%Yes 1.044.522.181,80 69,63% 104.835 69,68%
Total 1.499.999.994,99 100,00% 150.460 100,00%
Gap Insurance
(Santander Safe)
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
No 1.006.664.512,69 67,11% 106.337 70,67%Yes 493.335.482,30 32,89% 44.123 29,33%
Total 1.499.999.994,99 100,00% 150.460 100,00%
Repair Cost Insurance
(Santander AutoCare)
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
No 1.357.450.988,55 90,50% 136.426 90,67%Yes 142.549.006,44 9,50% 14.034 9,33%
Total 1.499.999.994,99 100,00% 150.460 100,00%
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 16
13. Type of Contract Monthly Period Nov 2017
Interest Period from 13.10.2017 to 13.11.2017 = 31 days
Collection Period from 01.10.2017 to 31.10.2017
Contracts w/Balloon Payments
Current Principal Balance
in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
No 901.469.963,62 60,10% 106.220 70,60%
Yes 598.530.031,37 39,90% 44.240 29,40%
- of which balloon rates 339.782.295,85 22,65%
- of which regular installments 258.747.735,52 17,25%
Total 1.499.999.994,99 100,00% 150.460 100,00%
Balloon Loans - Original Term in
months
Balloon Rates
in EUR
Balloon Rates in % of
Total Balloon Rates
Number of Balloon
Loans
Percentage of Total
Balloon Loans
0:12 171.293,17 0,05% 19 0,04%
13:25 5.182.161,45 1,53% 670 1,51%
26:38 33.106.331,23 9,74% 4.355 9,84%
39:51 108.357.117,69 31,89% 13.540 30,61%
52:64 192.593.550,23 56,68% 25.635 57,95%
65:72 240.055,88 0,07% 14 0,03%73: 131.786,20 0,04% 7 0,02%
Total 339.782.295,85 100,00% 44.240 100,00%
Balloon Loans - Remaining
Term in months
Balloon Rates
in EUR
Balloon Rates in % of
Total Balloon Rates
Number of Balloon
Loans
Percentage of Total
Balloon Loans
0:12 29.100.079,49 8,56% 3.938 8,90%
13:25 68.524.044,89 20,17% 9.023 20,40%
26:38 123.809.676,95 36,44% 16.107 36,41%
39:51 100.644.103,73 29,62% 12.988 29,36%
52:64 17.655.596,59 5,20% 2.181 4,93%
65:72 17.954,65 0,01% 1 0,00%73: 30.839,55 0,01% 2 0,00%
Total 339.782.295,85 100,00% 44.240 100,00%
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 16
14. Payment Methods Monthly Period Nov 2017
Interest Period from 13.10.2017 to 13.11.2017 = 31 days
Collection Period from 01.10.2017 to 31.10.2017
Payment Method
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
Direct Debit 1.491.239.558,56 99,42% 149.506 99,37%Other 8.760.436,43 0,58% 954 0,63%
Total 1.499.999.994,99 100,00% 150.460 100,00%
Cycle of Payment
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
15th of month 683.518.078,31 45,57% 68.944 45,82%1st of month 816.481.916,68 54,43% 81.516 54,18%
Total 1.499.999.994,99 100,00% 150.460 100,00%
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 16
15. Downpayment Monthly Period Nov 2017
Interest Period from 13.10.2017 to 13.11.2017 = 31 days
Collection Period from 01.10.2017 to 31.10.2017
Downpayment
(Ranges in EUR)
Original Principal
Balance in EUR
Percentage of
Total Balance Number of Loans
Percentage of Total
Loans
Downpayment /
Purchase Price in %
No Downpayment 560.933.789,29 37,40% 49.909 33,17% 0,00%
0: 999 54.678.550,34 3,65% 7.005 4,66% 5,09%
1000: 1999 120.406.028,62 8,03% 14.477 9,62% 10,57%
2000: 2999 138.512.889,25 9,23% 15.229 10,12% 15,95%
3000: 3999 119.046.052,97 7,94% 12.589 8,37% 20,74%
4000: 4999 89.376.039,38 5,96% 9.304 6,18% 25,13%
5000: 5999 107.151.314,37 7,14% 10.478 6,96% 27,87%
6000: 6999 61.127.516,72 4,08% 6.291 4,18% 32,68%
7000: 7999 48.489.712,23 3,23% 4.927 3,27% 35,73%
8000: 8999 39.196.866,61 2,61% 4.103 2,73% 38,86%
9000: 9999 21.642.562,36 1,44% 2.291 1,52% 42,21%
10000:10999 47.710.687,75 3,18% 4.573 3,04% 41,85%
11000:11999 14.598.297,10 0,97% 1.528 1,02% 46,23%
12000:12999 15.109.417,91 1,01% 1.610 1,07% 48,72%
13000:13999 9.932.048,55 0,66% 1.046 0,70% 50,75%
14000:14999 7.890.692,77 0,53% 857 0,57% 52,66%
15000:15999 13.569.017,61 0,90% 1.316 0,87% 51,81%
16000:16999 4.964.009,22 0,33% 524 0,35% 55,03%
17000:17999 4.044.340,50 0,27% 427 0,28% 56,63%
18000:18999 3.163.729,08 0,21% 346 0,23% 58,54%
19000:19999 1.845.236,18 0,12% 203 0,13% 59,65%
20000:20000 4.947.611,90 0,33% 409 0,27% 54,72%20001: 11.663.584,28 0,78% 1.018 0,68% 62,41%
Total 1.499.999.994,99 100,00% 150.460 100,00% 20,75%
Downpayment and
Purchase Price All Contracts
Contracts with
Downpayment
Average downpayment 3.397,67 € 5.084,12 €
Average Purchase Price 16.372,72 € 17.407,55 €
Mimimum Downpayment 100,00 €
Maximum Downpayment 93.000,00 €
Downpayment in % 20,75% 29,21%
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 16
16. Customer Yield Monthly Period Nov 2017
Interest Period from 13.10.2017 to 13.11.2017 = 31 days
Collection Period from 01.10.2017 to 31.10.2017
Yield Range*
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
0: 0 722.605,75 0,05% 53 0,04%
1: 1 129.419.431,46 8,63% 9.944 6,61%
2: 2 306.402.159,41 20,43% 25.463 16,92%
3: 3 611.477.431,71 40,77% 57.008 37,89%
4: 4 287.756.946,76 19,18% 32.951 21,90%
5: 5 104.672.605,08 6,98% 15.070 10,02%
6: 6 39.156.263,24 2,61% 6.382 4,24%
7: 7 12.126.496,08 0,81% 2.163 1,44%
8: 8 5.428.694,94 0,36% 892 0,59%
9: 9 2.212.027,39 0,15% 422 0,28%
10:10 482.099,30 0,03% 90 0,06%11:11 143.233,87 0,01% 22 0,01%
Total 1.499.999.994,99 100,00% 150.460 100,00%
Statistics in %
WA Interest 3,92%
*runs from .00 to .99
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 16
16.1 Customer Yield (Graph) Monthly Period Nov 2017
Interest Period from 13.10.2017 to 13.11.2017 = 31 days
Collection Period from 01.10.2017 to 31.10.2017
*runs from .00 to .99
0
100.000.000
200.000.000
300.000.000
400.000.000
500.000.000
600.000.000
700.000.000
0: 0 1: 1 2: 2 3: 3 4: 4 5: 5 6: 6 7: 7 8: 8 9: 9 10:10 11:11
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Yield Range*
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 16
17. Seasoning Monthly Period Nov 2017
Interest Period from 13.10.2017 to 13.11.2017 = 31 days
Collection Period from 01.10.2017 to 31.10.2017
Seasoning in
Months
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
0: 2 3.876.640,79 0,26% 290 0,19%
3: 5 50.317.760,85 3,35% 3.780 2,51%
6: 8 82.838.124,02 5,52% 6.604 4,39%
9:11 74.610.414,64 4,97% 6.056 4,02%
12:14 87.482.087,32 5,83% 7.658 5,09%
15:17 113.137.731,66 7,54% 10.036 6,67%
18:20 314.826.970,33 20,99% 29.965 19,92%
21:23 196.511.132,23 13,10% 19.545 12,99%
24:26 171.159.130,80 11,41% 17.612 11,71%
27:29 140.182.899,48 9,35% 15.227 10,12%
30:32 86.923.906,19 5,79% 10.065 6,69%
33:35 51.528.570,71 3,44% 6.194 4,12%
36:38 44.430.228,54 2,96% 5.531 3,68%
39:41 33.933.449,17 2,26% 4.141 2,75%
42:44 12.333.730,90 0,82% 1.587 1,05%
45:47 6.680.957,24 0,45% 911 0,61%
48:50 4.534.292,81 0,30% 576 0,38%
51:53 5.672.606,46 0,38% 865 0,57%
54:56 4.592.303,99 0,31% 817 0,54%
57:59 2.308.196,96 0,15% 397 0,26%
60:62 2.441.651,47 0,16% 408 0,27%
63:65 2.815.448,78 0,19% 504 0,33%
66:68 2.219.699,35 0,15% 426 0,28%
69:71 1.245.029,56 0,08% 263 0,17%
72:74 497.804,83 0,03% 114 0,08%
75:77 844.157,54 0,06% 203 0,13%
78:80 932.730,45 0,06% 243 0,16%81: 1.122.337,92 0,07% 442 0,29%
Total 1.499.999.994,99 100,00% 150.460 100,00%
Statistics
WA Seasoning 21,99
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 16
17.1 Seasoning (Graph) Monthly Period Nov 2017
Interest Period from 13.10.2017 to 13.11.2017 = 31 days
Collection Period from 01.10.2017 to 31.10.2017
0
50.000.000
100.000.000
150.000.000
200.000.000
250.000.000
300.000.000
350.000.000
0: 2 3: 5 6: 8 9:11 12:14 15:17 18:20 21:23 24:26 27:29 30:32 33:35 36:38 39:41 42:44 45:47 48:50 51:53 54:56 57:59 60:62 63:65 66:68 69:71 72:74 75:77 78:80 81:
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Seasoning in Months
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 16
18. Remaining Term Monthly Period Nov 2017
Interest Period from 13.10.2017 to 13.11.2017 = 31 days
Collection Period from 01.10.2017 to 31.10.2017
Remaining Term in
Months
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
0: 6 16.569.639,62 1,10% 7.210 4,79%
7: 13 42.719.235,68 2,85% 10.168 6,76%
14: 20 83.993.254,65 5,60% 14.663 9,75%
21: 27 117.052.722,99 7,80% 15.398 10,23%
28: 34 197.392.916,03 13,16% 20.892 13,89%
35: 41 247.096.222,36 16,47% 22.311 14,83%
42: 48 177.036.714,52 11,80% 15.377 10,22%
49: 55 135.257.913,28 9,02% 11.044 7,34%
56: 62 111.216.299,27 7,41% 8.984 5,97%
63: 69 132.405.310,17 8,83% 9.742 6,47%
70: 76 103.175.803,02 6,88% 6.720 4,47%
77: 83 84.011.480,25 5,60% 5.083 3,38%
84: 90 38.709.873,46 2,58% 2.174 1,44%
91: 97 11.598.906,24 0,77% 614 0,41%
98:104 1.511.604,50 0,10% 68 0,05%105:107 252.098,95 0,02% 12 0,01%
Total 1.499.999.994,99 100,00% 150.460 100,00%
Statistics
WA Remaining Term 46,25
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 16
18.1 Remaining Term (Graph) Monthly Period Nov 2017
Interest Period from 13.10.2017 to 13.11.2017 = 31 days
Collection Period from 01.10.2017 to 31.10.2017
0
50.000.000
100.000.000
150.000.000
200.000.000
250.000.000
300.000.000
0: 6 7: 13 14: 20 21: 27 28: 34 35: 41 42: 48 49: 55 56: 62 63: 69 70: 76 77: 83 84: 90 91: 97 98:104 105:107
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Remaining Term in Months
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 16
19. Original Term Monthly Period Nov 2017
Interest Period from 13.10.2017 to 13.11.2017 = 31 days
Collection Period from 01.10.2017 to 31.10.2017
Original Term in
Months
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
0: 12 425.600,75 0,03% 203 0,13%
13: 25 14.187.684,45 0,95% 5.396 3,59%
26: 38 86.655.022,84 5,78% 17.973 11,95%
39: 51 255.372.944,57 17,02% 30.069 19,98%
52: 64 524.964.509,07 35,00% 46.813 31,11%
65: 77 138.014.275,86 9,20% 14.476 9,62%
78: 90 137.616.477,66 9,17% 10.770 7,16%
91:103 331.473.462,49 22,10% 24.173 16,07%
104:104 184.359,64 0,01% 10 0,01%
105: 11.105.657,66 0,74% 577 0,38%
Total 1.499.999.994,99 100,00% 150.460 100,00%
Statistics
WA Original Term 68,24
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 16
19.1 Original Term (Graph) Monthly Period Nov 2017
Interest Period from 13.10.2017 to 13.11.2017 = 31 days
Collection Period from 01.10.2017 to 31.10.2017
0
100.000.000
200.000.000
300.000.000
400.000.000
500.000.000
600.000.000
0: 12 13: 25 26: 38 39: 51 52: 64 65: 77 78: 90 91:103 104:104 105:
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Original Term in Months
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 16
20. Manufacturer Brands Monthly Period Nov 2017
Interest Period from 13.10.2017 to 13.11.2017 = 31 days
Collection Period from 01.10.2017 to 31.10.2017
Manufacturer
brands
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
1 162.890.255,94 10,86% 13.218 8,79%
2 143.725.507,94 9,58% 15.049 10,00%
3 142.431.255,09 9,50% 14.632 9,72%
4 135.840.572,31 9,06% 15.492 10,30%
5 115.640.783,62 7,71% 9.453 6,28%
6 115.159.337,89 7,68% 10.714 7,12%
7 71.274.667,24 4,75% 6.320 4,20%
8 60.071.147,08 4,00% 5.236 3,48%
9 58.456.376,23 3,90% 5.658 3,76%
10 58.269.287,41 3,88% 6.248 4,15%
11 50.649.962,00 3,38% 5.080 3,38%
12 38.669.778,93 2,58% 3.748 2,49%
13 34.942.614,20 2,33% 4.147 2,76%
14 32.867.565,34 2,19% 4.189 2,78%
15 31.626.700,80 2,11% 3.349 2,23%
1.252.515.812,02 83,50% 122.533 81,44%
TOP 15 manufacturer brands in alphabetical order:
Audi, BMW, Citroen, Fiat, Ford, Hyundai, Kia, Mazda, Mercedes, Nissan, Opel, Renault, SEAT (E), Skoda, VW
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 16
21. Priority of Payments + Transaction Costs Monthly Period Nov 2017
Interest Period from 13.10.2017 to 13.11.2017 = 31 days
Collection Period from 01.10.2017 to 31.10.2017
Priority of Payments
Available Distribution Amount 68.740.830,52 €
Senior Expenses - 297,50 €
Interest Notes Class A - 1.329.264,00 €
Interest Notes Class B - 117.648,00 €
Replenishment - 47.536.725,05 €
Payments to Purchase Shortfall Account - 5,01 €
Payments to Reserve Fund - 15.000.000,00 €
Principal Payments Class A - - €
Principal Payments Class B - - €
Payments to Commingling Reserve Ledger - n/a Payments to Set-Off Reserve Ledger - n/a
Interest Subordinated Loan - 37.161,25 €
Principal Payments Subordinated Loan - - €
Payments to Seller = 4.719.729,71 €
Transaction Costs All notes Class A Class B Senior Expenses 297,50 €-
Interest accrued for the Period 1.446.912,00 €- 1.329.264,00 €- 117.648,00 €-
Cumulative Interest accrued 22.077.312,00 €- 20.282.256,00 €- 1.795.056,00 €-
Interest Payments 1.446.912,00 €- 1.329.264,00 €- 117.648,00 €-
Cumulative Interest Payments 22.077.312,00 €- 20.282.256,00 €- 1.795.056,00 €-
Interest accrued on Subordinated Loan for the Period 37.161,25 €-
Cumulative Interest accrued on Subordinated Loan 567.008,75 €-
Interest Payments on Subordinated Loan 37.161,25 €-
Cumulative Interest Payments on Subordinated Loan 567.008,75 €-
Unpaid Interest for the Period - €
Cumulative Unpaid Interest - €
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 16
22. Retention Monthly Period 01.11.2017
Interest Period from 13.10.2017 to 13.11.2017 = 31 days
Collection Period from 01.10.2017 to 31.10.2017
1.499.999.950,68 €
1.499.999.998,98 €
1.499.999.994,99 €
15.000.000,00 €
15.000.000,00 €
15.000.000,00 €
60.000.000,00 €
60.000.000,00 €
60.000.000,00 €
5,00%
5,00%
5,00%Net Economic Interest Ratio as of the end of the Monthly Period:
Santander Consumer Bank AG confirms its compliance to have continuously retained a net economic interest in the SC Germany Auto 2016-2 securitisation transaction of at least 5% of the
securitised Purchased Receivables pursuant to Art. 405 of the CRR (Regulation (EU) No 575/2013 of the European Parliament and of the Council of 26 June 2013) by retaining the regulatory first
loss tranche which is represented by the Subordinated Loan of at least 1% and by retaining the regulatory second loss tranche which is represented by the Class B Notes of at least 4,0%.
Outstanding Balance of the Class B Notes as of the Offer Date:
Outstanding Balance of the Class B Notes as of the beginning of the Monthly Period:
Outstanding Balance of the Class B Notes of the end of the Monthly Period:
Net Economic Interest Ratio as of Offer Date:
Net Economic Interest Ratio as of the beginning of the Monthly Period:
Outstanding Principal Balance of Purchased Receivables as of the end of the Monthly Period:
Outstanding Principal Balance of the Subordinated Loan as of the Offer Date:
Outstanding Principal Balance of the Subordinated Loan as of the beginning of the Monthly Period:
Outstanding Principal Balance of the Subordinated Loan as of the end of the Monthly Period:
Outstanding Principal Balance of Purchased Receivables as of the Offer Date:
Outstanding Principal Balance of Purchased Receivables as of the beginning of the Monthly Period:
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 10.11.2017
Monthly Investor Report 13.11.2017
16
23. Counterparties Nov 2017
from 13.10.2017 to 13.11.2017 = 31 days
from 01.10.2017 to 31.10.2017
Long
Term
Short
TermOutlook
Long
Term
Short
TermOutlook
Counterpart
y status
Calculation Agent, Cash Administrator and Principal
Paying Agent: Bank of New York MellonAA R-1H STABLE AA- A-1+ STABLE
performing
One Canada Square
eMail: [email protected] London, E14 5 AL
Phone: +49 69 12014 1772 United Kingdom
Account Bank: Banco Santander S.A. A R-1L STABLE A- A-2 STABLE performing
Bockenheimer Landstraße 39
eMail: [email protected] 60325 Frankfurt am Main
Phone: +49 (0) 6959676 408 Germany
Transaction Security Trustee: Intertrust Trustees Limited - - - - - - performing
35 Great St. Helen's
[email protected] London EC3A 6AP
Phone: +44 (0) 20 7398 6324 United Kingdom
Data Trustee: Intertrust (Deutschland) GmbH - - - - - - performing
Grüneburgweg 58-62
[email protected] 60322 Frankfurt am Main
Phone: +49 (0) 69 643 50 8904 Germany
Rating Agencies: DBRS Ratings Ltd. Standard & Poor's Ratings Services
Structured Finance Structured Finance
1 Minister Court, 10th floor, Mincing Lane 20 Canada Square
EC3R 7 AA London E14 5LH London
United Kingom United Kingdom
Ratings as of 31.10.2017, data source: Bloomberg
DBRS S & P
Reporting Date
Payment Date
Period No
Monthly Period
Interest Period
Collection Period
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 16
24. Issuer Information Monthly Period Nov 2017
Interest Period from 13.10.2017 to 13.11.2017 = 31 days
Collection Period from 01.10.2017 to 31.10.2017
Deal Name: SC Germany Auto 2016-2
Issuer: SC Germany Auto 2016-2 UG (haftungsbeschränkt)
The Managing Directors
Grüneburgweg 58-62
60322 Frankfurt am Main
Germany
eMail [email protected]
fax +49 (0) 69 643 50 8925
Seller of the Receivables: Santander Consumer Bank AG
Servicer Name: Santander Consumer Bank AG
Reporting Entity: Santander Consumer Bank AG
Capital Markets
Santander-Platz 1
41061 MönchengladbachGermany
eMail [email protected]
fax +49 69 643 50 8925
SPV-Administrator: Intertrust (Deutschland) GmbH
Grüneburgweg 58-62
60322 Frankfurt am Main
Germany
eMail [email protected]
fax +49 (0) 69 643 50 8925
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2016-2 10.11.2017
Monthly Investor Report 13.11.2017
16
25. Santander Consumer Bank Nov 2017
from 13.10.2017 to 13.11.2017 = 31 days
from 01.10.2017 to 31.10.2017
Contact DetailsCapital Markets
Peter René Müller +49-2161-690-7337 [email protected]
Ralf Schüring +49-2161-690-5464 [email protected]
Bastian Menges +49-2161-690-7085 [email protected]
Stefan Zilligen +49-2161-690-6069 [email protected]
Tobias Daners +49-2161-690-7410 [email protected]
Ronja Dahmen +49-2161-690-9453 [email protected]
Team ABS [email protected]
Ratings Santander
Long
Term
Short
TermOutlook
Long
Term
Short
TermOutlook
A R-1L STABLE A- A-2 STABLE
- - - BBB+ A-2 STABLE
- - - BBB+ A-2 STABLE
Ratings as of 31.10.2017, data source: Bloomberg
Collection Period
Reporting Date
Payment Date
Period No
Monthly Period
Interest Period
Santander Consumer Bank AG
S&PDBRS
Banco Santander S.A.
Santander Consumer Finance S.A.
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach