VCL 20 - True Sale International...E-mail: [email protected] Email:...

Publication date: 16.03.2015

Period: 02.2015 / Period no. 5

Index

Deal name: VCL 20

Issuer: VCL Multi-Compartment S.A.

acting on behalf of its Compartment VCL 20

52-54 avenue du X Septembre

L-2550 Luxembourg

Luxembourg

Tel.: +352 2602 491

Fax: +352 2645 9628

Originator of the receivables: Volkswagen Leasing GmbH

Seller of the receivables: VCL Master S.A. acting on behalf of its Compartment 1

Servicer name: Volkswagen Leasing GmbH

Reporting entity: Volkswagen Leasing GmbH

ABS Operations

Gifhorner Straße 47

38112 Braunschweig

Federal Republic of Germany

Contact: Tel.: +49 531 212 87510

Fax: +49 531 212 77540

Email: [email protected]

Corporate service provider: Wilmington Trust SP Services

(Luxembourg) S.A.

52-54 avenue du X Septembre

L-2550 Luxembourg

Luxembourg

Tel.: +352 2602 491

Fax: +352 2645 9628


Volkswagen Leasing | ABS Operations | [email protected] | +49 531 212 87510 1 / 28



Index

Contents

Page Table of contents1 Cover

2 Index

3 Reporting details

4 Parties overview

5 Transaction events I

6 Transaction events II

7 Transaction events III

8 Information regarding the notes I

9 Information regarding the otes II

10 Credit enhancement

11 Swap fixing / Waterfall

12 Retention

13 Amortisation profile I

14 Amortisation profile II

15 Run out schedule I

16 Run out schedule II

17 Outstanding contracts

18 Delinquencies & defaults I

19 Delinquencies & defaults II

20 Delinquencies & defaults III

21 Write-offs

22 Pool data I

23 Pool data II

24 Pool data III

25 Pool data IV

26 Pool data V

27 Pool data VI

28 Lease level data



Period: 28.02.2015 / Period no. 5

Index

Reporting details

Deal overview

Cut-Off-Date 30.09.2014 Publication date:

Scheduled date of Clean-Up-

Call08.2017 Payment date:

Legal final maturity date 06.2020 Reporting date:

Issue date 27.10.2014 Asset collection period:

Period no.: 5 Interest accrual period:

Reporting frequency: monthly Note payment period:

Next payment date: 21.04.2015 Days accrued:

Type of car at pool cutNumber of

contracts

Percentage of

contracts

Outstanding

discounted

balance

Percentage outstanding

discounted balance

New cars 102.048 95,69% 1.020.683.852,78 € 95,33%

Used cars 2.077 1,95% 21.825.797,35 € 2,04%

Demonstration cars 2.518 2,36% 28.154.697,60 € 2,63%

Total 106.643 100,00% 1.070.664.347,73 € 100,00%

Type of product at pool cutNumber of

contracts

Percentage of

contracts

Outstanding

discounted

balance

Percentage outstanding

discounted balance

Closed end contract 105.255 98,70% 1.057.698.683,99 € 98,79%

Open end lease contract 1.388 1,30% 12.965.663,74 € 1,21%

Total 106.643 100,00% 1.070.664.347,73 100,00%

28

16.03.2015 (16th of each month)

28.02.2015 (last day of each month)

from 01.02.2015 until 28.02.2015

from 23.02.2015 until 23.03.2015

from 23.02.2015 until 23.03.2015

23.03.2015 (21st of each month)




Index

Parties overview

Lead manger: BNP Paribas London Branch Wilmington Trust SP

Attn.: Nadia Bouzidi Services (Frankfurt) GmbH

10 Harewood Avenue Steinweg 3-5

London NW1 6AA 60313 Frankfurt am Main

United Kingdom Germany

Fax +49 69 9288 495 20

Tel.: +44 2075956722 Tel.: +49 069 9288 495 22

E-mail: [email protected] Email: [email protected]

DZ BANK AG

Attn.: Eva-Maria Kramer

Platz der Republik

60625 Frankfurt am Main

Germany

Tel.: +49 69 7447 2267

Fax: +49 69 7447 3716

E-mail: [email protected]

Paying agent/ Elavon Financial Services Limited, U.K. Branch Data protection Volkswagen Bank GmbH

Calculation agent/ 5th Floor, 125 Old Broad Street trustee: Gifhorner Straße 57

Interest determination agent: London EC2N 1AR 38112 Braunschweig

United Kingdom Germany

Fax: +49 531 212 7 23 67

Attn.: Structured Finance Relationship Management Tel.: +49 531 212 85257

Tel.: +44 207 330 2114 Email: [email protected]

Fax: +44 207 365 2577

E-Mail: [email protected]

Account bank: Elavon Financial Services Limited, U.K. Branch Clearing systems: Clearstream Banking S.A.

5th Floor, 125 Old Broad Street Luxembourg, 42 Avenue JF Kennedy

London EC2N 1AR L-1885 Luxembourg

United Kingdom Luxembourg


Attn.: Structured Finance Relationship Management

Tel.: +44 207 330 2114 Euroclear Bank S.A./N.V.

Fax: +44 207 365 2577 1 Boulevard du Roi Albert II

E-Mail: [email protected] B-1210 Brussels

Belgium

Tel.: +32 2 326 1211

Swap counterparty: The Bank of Nova Scotia Corporate servicer Wilmington Trust SP Services

Attn.: Global Capital Markets Documentation provider: (Luxembourg) S.A.

40 King Street West 52-54 avenue du X Septembre

Scotia Plaza, 55th Floor L-2550 Luxembourg

Toronto, Ontario Luxembourg

Canada M5H 1H1 Fax: +352 2645 9628

Tel.: (416) 866-6613 Tel.: +352 2602 491

Fax: (416) 350-1187 Email: [email protected]

Servicer: Volkswagen Leasing GmbH Rating agencies: Fitch Ratings Ltd

Gifhorner Str. 57 30 The North Colonnade

38112 Braunschweig London E14 5GN

Germany United Kingdom

Fax + 49 531 212 77540 Fax: 49 (0)69 768076 230

Tel.: +49 531 212 84952 E-mail: [email protected]


Standard & Poor’s

Attn.: Structured Finance

Surveillance Department

20 Canada Square

Canary Wharf

London E14 5LH

United Kingdom

Fax: +44 (20) 7176-3598


DBRS Ratings Limited

Attn: Alexander Garrod

1 Minster Court

10th Floor Mincing Lane

London, EC3R 7AA

United Kingdom

Fax: +44 203 137 5129


Security trustee/

Process agent:



Period: 02.YYY / Period no. 5

Index

Transaction events I

Clean-Up-Call

81,81%

10,00%

Repurchase of receivables Number of contractsPercentage of

contracts

Outstanding discounted

balance

Percentage of outstanding

discounted balanceRe-Purchase price

Current period - - - - -

Previous periods - - - - -

Total - - - - -

Transaction party replacements

Capacity of transaction party Date of replacementReason for

replacementReplaced party Replaced by

Clean-Up-Call condition

If a repurchase of receivables occurred, it would only result from non-eligibility as of the respective Cut-Off-Date (which has been discovered at a later stage).

Percentage of current outstanding discounted portfolio

Min. percentage of outstanding discounted portfolio The Clean-Up-Call condition is planned to be reached in Aug 2017.

Volkswagen Leasing GmbH will have the right at its option to exercise a Clean-Up-Call and to repurchase the lease receivables from VCL 20 at any time when the sum of the

outstanding discounted balances for all lease contracts is less than 10% of the sum of the outstanding discounted balances for all lease contracts as of the Cut-Off-Date,

provided that all payment obligations under the notes will be thereby fulfilled.




Index

Transaction events II

NO

NO

NO

Cumulative net losses Number of contractsWrite-Off

amountWrite-Offs registered in

current period0 0,00 €

Write-Offs contracts incl.

current period1 2.229,80 €

2.229,80 €

1.070.664.347,73 €

0,00021%

Outstanding discounted balance as of Cut-Off-Date

Cumulative net loss ratio as percentage divided by the discounted balance at pool cut

Credit enhancement increase conditionsLevel 1a credit enhancement increase condition - Cumulative Write-Offs do not amount to 0,50% for any payment

date before and incl. 01.2016

Level 1b credit enhancement increase condition -Cumulative Write-Offs do not amount to 1,15% for any payment

date between 02.2016 and incl. 10.2016

Level 2 credit enhancement increase condition - Cumulative Write-Offs do not amount to 1,60% for any payment

date

Cumulative Write-Offs as of the end of the monthly period

0,0

00

00

%

0,0

00

00

%

0,0

00

00

%

0,0

00

00

%

0,0

00

21

%

0,0

00

21

%

0,00%

0,25%

0,50%

0,75%

1,00%

1,25%

1,50%

1,75%

2,00%

09

.20

14

11

.20

14

01

.20

15

03

.20

15

05

.20

15

07

.20

15

09

.20

15

11

.20

15

01

.20

16

03

.20

16

05

.20

16

07

.20

16

09

.20

16

11

.20

16

01

.20

17

03

.20

17

05

.20

17

07

.20

17

09

.20

17

11

.20

17

01

.20

18

03

.20

18

05

.20

18

07

.20

18

09

.20

18

11

.20

18

01

.20

19

03

.20

19

05

.20

19

in %

Reporting period

Cumulative net losses in percent of initial pool

Cumulative Net Loss Ratio Level 1a/b Level 2




Index

Transaction events III

Account bank:

US Bank (Elavon Financial Services) Long term Short term Outlook Long term Short term Outlook Long term Short term OutlookCurrent rating* Aa3 P-1 Stable AA R-1 (middle) Stable AA- F1+ Stable

Minimum required rating

(if no short term rating available, the higher long

term rating is applicable)

A A-1 A R-1 A F1

Elavon Financial Services Ltd Required rating: FulfilledSwap counterparty

Scotiabank Long term Short term Outlook Long term Short term Outlook Long term Short term OutlookCurrent rating* Aa2 P-1 Negative AA R-1 (high) Stable AA- F1+ Stable

Bank of Nova Scotia

Minimum required rating A/A- - A - A F1

(if no short term rating available, the higher long term

rating is applicable)

Required rating: Fulfilled

*Ratings last updated on 02/03/2015

Fitch

Fitch

S&P DBRS

S&P DBRS




Index

Information regarding the notes I

Rating at issue date Class A Class B

S&P AAA(sf) A+(sf)

Fitch AAA(sf) A+(sf)

DBRS AAA(sf) A high(sf)

Current rating Class A Class B

S&P AAA(sf) A+(sf)

Fitch AAA(sf) A+(sf)

DBRS AAA(sf) A high(sf)

Information on notes Class A Class B

Legal final maturity date Jun 2020 Jun 2020

Scheduled Clean-Up-Call Aug 2017 Aug 2017

ISIN: XS1106979617 XS1106980979

Common code: 110697961 110698097

Nominal amount 100.000,00 € 100.000,00 €

Information on interest Class A Class B

Spread/ Margin 27 bps 65 bps

Index rate 1-Month-Euribor 1-Month-Euribor

Fixed/Floating floating floating

Current coupon 0,270% 0,650%

Day count convention actual/360 actual/360




Index

Information regarding the notes II

Monthly period:

Payment date:

Interest accrual period (from/until)

Days accrued

Index rate

Base interest rate:

Day count convention

Interest payments Class A Class B

Total interest amount of the reporting period 177.245,63 € 16.228,33 €

Paid interest 177.245,63 € 16.228,33 €

Unpaid interest Class A Class B

Unpaid interest of the reporting period 0,00 € 0,00 €

Cumulative unpaid interest 0,00 € 0,00 €

Note balance Class A Class B

Note balance as of cut of date 1.000.000.000,00 € 32.100.000,00 €

Note balance as of the beginning of the period 844.026.800,00 € 32.100.000,00 €

Redemption amount per class -39.057.200,00 € 0,00 €

Class balance as of the end of the period 804.969.600,00 € 32.100.000,00 €

Payments to investors per note Class A Class B

Interest 17,72 € 50,56 €

Principal repayment by note 3.905,72 € 0,00 €

Number of notes 10.000 321

Note factor 0,804970 1,000000

Overcollateralisation Class A Class B

Initial OC percentage at poolcut 6,6000% 3,6019%

Current OC percentage 8,0968% 4,4320%

Target OC percentage 12,2500% 7,5000%

Subordinated loan - -2

Balance as of the beginning of the period 24.101.864,51 €

Redemption -243.320,40 €

Capitalization of interest 0,00 €

Balance as of the end of the period 23.858.544,11 €

0,000%

actual/360

02.2015

23.03.2015

23.02.2015 until 23.03.2015

28

1-Month-Euribor




Index

Credit enhancement

Credit enhancement as of Cut-off-Date% of aggregate outstanding

discounted balanceValue

Class B note* 3,00% 32.100.000,00 €

Subordinated loan 2,41% 25.764.347,73 €

Overcollateralization 1,20% 12.800.000,00 €

Cash collateral account 1,20% 12.800.000,00 €

Cash collateral account (CCA) in EURin Percentage of outstanding

discounted balance as of

Initial balance at poolcut 12.800.000,00 € 1,196%

Thereof general cash reserve 12.800.000,00 € 1,196%

Thereof german trade tax risk reserve 0,00 € 0,000%

Targeted balance (Floor)



Balance as of the beginning of the period 10.978.937,60 € 1,025%

Payment from CCA 278.937,60 € -

Payment to CCA 0,00 € -

Balance as of the end of the period 10.700.000,00 € 0,999%



Accrued interest 45,77 € -

Calculation of credit enhancement

Set off risk

There is no set off risk applicable.

Initially, VCL 20's credit enhancement consists of the respective note issue in comparison to the outstanding discounted balance

as of poolcut, minus any senior debt issuance. This 'overcollateralisation' is specific for each note series and increases with its

seniority.

Subsequently, the 'overcollateralisation' is calculated (as an OC percentage) on a monthly basis, all on end of month figures.

Considering the seniority of the respective note series, redemption is made until an overcollateralisation of 12,25% for Class A

(7,5% for Class B) has been reached. However, if an enforcement event causes the transaction to switch into sequential

payment mode, the OC percentages will not determine the maximum redemption amount and may be exceeded.

In addition, there is the 'general cash reserve' which is in principle to the benefit of all tranches over the entire lifetime of the

transaction.

The transaction starts amortising class A only until its OC percentage is reached.

The transaction switches into pro rata amortisation once an overcollateralisation percentage (i.e. credit enhancement excluding

the cash collateral account) of 12,25% for the class A notes and 7,5% for the class B notes has been reached.




Index

Swap fixing / Waterfall

Amortising interest rate swap Class A Class B

Initial principal 1.000.000.000,00 € 32.100.000,00 €

Underlying principal for reporting period 844.026.800,00 € 32.100.000,00 €

Paying leg Fix interest rate Fix interest rate

Receiving leg Floating interest rate Floating interest rate

Net swap payments / Net swap receipts 19.693,96 € 1.694,17 €

Available distribution amount calculation Payment to waterfall position Remaining amount

Available collections amount 43.343.539,01 € 43.343.539,01 €

Buffer release amount -3.302.851,08 € 40.040.687,93 €

Net swap receipt class A 0,00 € 40.040.687,93 €

Net swap receipt class B 0,00 € 40.040.687,93 €

Purchase price amount 0,00 € 40.040.687,93 €

Accumulation account interest 0,00 € 40.040.687,93 €

Remaining rounding amount (Previous period) 12,33 € 40.040.700,26 €

Waterfall Payment to waterfall position Remaining amount

Available distribution amount - 40.040.700,26 €

1) Taxes -78,75 € 40.040.621,51 €

2) Payment to security trustee 0,00 € 40.040.621,51 €

3) Servicing fee -762.426,22 € 39.278.195,29 €

4) Payment in respect of fees -6.117,00 € 39.272.078,29 €

5.i) Net swap payment class A -19.693,96 € 39.252.384,33 €

5.ii) Net swap payment class B -1.694,17 € 39.250.690,16 €

6) Interest payment class A -177.245,63 € 39.073.444,53 €

7) Interest payment class B -16.228,33 € 39.057.216,20 €

8) Payment to cash collateral account 0,00 € 39.057.216,20 €

9) Payment to CCA due to german trade tax increase event 0,00 € 39.057.216,20 €

10) Redemption class A -39.057.200,00 € 16,20 €

11) Redemption class B 0,00 € 16,20 €

Remaining rounding amount (Current period) -16,20 € 0,00 €

12) Other payment to swap counterparties 0,00 € 0,00 €

13) Accrued and unpaid interest on the subordinated loan 0,00 € 0,00 €

14) Redemption subordinated loan 0,00 € 0,00 €

15) Final success fee 0,00 € 0,00 €

Distribution of cash collateral account surplus Payment to waterfall position Remaining amount

Payment from cash collateral account 278.937,60 € 278.937,60 €

Interest subordinated loan -35.617,20 € 243.320,40 €

Redemption subordinated loan -243.320,40 € 0,00 €




Index

Retention of net economic interest

Retention amount at poolcut

Type of assetNumber of

contracts

Percentage of

contracts

Outstanding

nominal balance

Percentage of

nominal balance

Portfolio sold to SPV 106.643 92,35% 1.152.227.881,25 € 92,50%

Retention of VW Leasing 8.828 7,65% 93.433.143,99 € 7,50%

Total 115.471 100,00% 1.245.661.025,24 € 100,00%

Retention amounts - -2

Minimum retention 60.643.572,70 € 5,00%

Actual retention 93.433.143,99 € 7,50%

Retention amount end of reporting period

Type of assetNumber of

contracts

Percentage of

contracts

Outstanding

nominal balance

Percentage of

nominal balance

Portfolio sold to SPV 104.322 92,38% 933.428.651,06 € 92,55%

Retention of VW Leasing 8.600 7,62% 75.167.588,11 € 7,45%

Total 112.922 100,00% 1.008.596.239,17 € 100,00%

Retention amounts - -2

Minimum retention 49.127.823,74 € 5,00%

Actual retention 75.167.588,11 € 7,45%

article 405 Abs. 1 c CRR.

By adhering to option c) of the direction, Volkwagen Leasing GmbH will keep the exposures

designated for retention on its balance sheet on an ongoing basis.

The latest end of month level of retention will be published on a monthly basis

within the investor report.

In its capacity as originator and original lender, Volkswagen Leasing GmbH complies

with the retention requirements of a material net economic interest in accordance with




Index

Amortisation profile I

Note class

WAL At closing: 1,17 yrs Currently: 1,20 yrs At closing: 1,70 yrs Currently: 1,55 yrs

Payment Period Actual note balanceForecasted note

balanceActual note balance Forecasted note balance

Poolcut 1.000.000.000,00 € - 32.100.000,00 € -

11.2014 961.120.100,00 € - 32.100.000,00 € -

12.2014 921.951.000,00 € - 32.100.000,00 € -

01.2015 882.990.500,00 € - 32.100.000,00 € -

02.2015 844.026.800,00 € - 32.100.000,00 € -

03.2015 804.969.600,00 € - 32.100.000,00 € -

04.2015 - 737.338.743,18 € - 32.100.000,00 €

05.2015 - 703.429.126,10 € - 32.100.000,00 €

06.2015 - 669.763.808,35 € - 32.100.000,00 €

07.2015 - 636.415.826,23 € - 32.100.000,00 €

08.2015 - 603.453.824,88 € - 32.100.000,00 €

09.2015 - 570.877.037,93 € - 32.100.000,00 €

10.2015 - 538.677.594,98 € - 32.100.000,00 €

11.2015 - 506.865.055,06 € - 32.100.000,00 €

12.2015 - 478.945.149,33 € - 28.540.814,45 €

01.2016 - 451.693.263,42 € - 24.721.706,41 €

02.2016 - 424.828.947,32 € - 22.996.438,74 €

03.2016 - 398.414.667,81 € - 21.566.605,95 €

04.2016 - 372.448.790,55 € - 20.161.045,64 €

05.2016 - 346.952.613,32 € - 18.780.910,69 €

06.2016 - 321.947.258,54 € - 17.427.344,48 €

07.2016 - 297.549.839,57 € - 16.106.686,47 €

08.2016 - 273.867.724,87 € - 14.824.748,64 €

09.2016 - 250.940.481,58 € - 13.583.672,79 €

10.2016 - 228.734.688,73 € - 12.381.649,82 €

11.2016 - 207.279.340,19 € - 11.220.249,18 €

12.2016 - 186.456.594,33 € - 10.093.092,00 €

01.2017 - 166.354.268,56 € - 9.004.931,92 €

02.2017 - 147.144.948,47 € - 7.965.111,17 €

03.2017 - 129.024.163,32 € - 6.984.213,97 €

04.2017 - 112.095.525,80 € - 6.067.848,97 €

05.2017 - 96.917.980,88 € - 5.246.272,47 €

06.2017 - 83.110.758,72 € - 4.498.872,98 €

07.2017 - 69.087.099,78 € - 4.498.872,98 €

08.2017 - 0,00 € - 0,00 €

Based on the following assumptions: CPR of 5% and Clean-Up-Call at 10% of the outstanding portfolio.

Class A Class B




Index

Amortisation profile II

0

5.000.000

10.000.000

15.000.000

20.000.000

25.000.000

30.000.000

35.000.000

Reporting period

Outstanding balance in EUR

Amortisation profile class B-Notes

Actual Amort. B-Notes Expected Amort. B-Notes

Assuming a Clean-Up Call at 10% of the initial outstanding, annual prepayments of 5% and 0% defaults

0

200.000.000

400.000.000

600.000.000

800.000.000

1.000.000.000

1.200.000.000

Reporting period


Amortisation profile class A-Notes

Datenreihen1 Datenreihen2

Assuming a Clean-Up Call at 10% of the initial outstanding, annual prepayments of 5% and 0% defaults



Period: 02.2015 / Period no. 5Index

Run out schedule I

Reporting Period Principal Interest Instalment

arrears 570.484,28 € 55.072,63 € 625.556,91 €

03.2015 37.110.322,95 € 4.158.940,56 € 41.269.263,51 €

04.2015 36.979.741,52 € 3.982.617,91 € 40.962.359,43 €

05.2015 36.874.575,45 € 3.806.915,05 € 40.681.490,50 €

06.2015 36.736.638,44 € 3.631.709,26 € 40.368.347,70 €

07.2015 36.647.926,34 € 3.457.160,66 € 40.105.087,00 €

08.2015 36.475.356,66 € 3.283.034,55 € 39.758.391,21 €

09.2015 36.241.827,07 € 3.109.725,76 € 39.351.552,83 €

10.2015 35.916.337,80 € 2.937.527,18 € 38.853.864,98 €

11.2015 35.583.496,10 € 2.766.877,45 € 38.350.373,55 €

12.2015 35.214.339,98 € 2.597.810,40 € 37.812.150,38 €

01.2016 34.800.234,08 € 2.430.492,53 € 37.230.726,61 €

02.2016 34.209.247,19 € 2.265.145,95 € 36.474.393,14 €

03.2016 33.454.742,99 € 2.102.606,82 € 35.557.349,81 €

04.2016 32.619.817,17 € 1.943.654,71 € 34.563.471,88 €

05.2016 31.827.025,70 € 1.788.662,13 € 33.615.687,83 €

06.2016 30.974.222,41 € 1.637.440,37 € 32.611.662,78 €

07.2016 30.285.195,22 € 1.490.270,79 € 31.775.466,01 €

08.2016 29.455.893,45 € 1.346.375,83 € 30.802.269,28 €

09.2016 28.344.894,05 € 1.206.420,16 € 29.551.314,21 €

10.2016 26.920.741,70 € 1.071.743,65 € 27.992.485,35 €

11.2016 25.315.584,22 € 943.834,12 € 26.259.418,34 €

12.2016 22.821.230,30 € 823.552,06 € 23.644.782,36 €

01.2017 20.883.681,61 € 715.119,57 € 21.598.801,18 €

02.2017 18.705.546,26 € 615.893,12 € 19.321.439,38 €

03.2017 16.468.405,82 € 527.017,30 € 16.995.423,12 €

04.2017 13.591.071,96 € 448.768,86 € 14.039.840,82 €

05.2017 10.798.185,10 € 384.193,64 € 11.182.378,74 €

06.2017 8.054.638,99 € 332.888,00 € 8.387.526,99 €

07.2017 7.809.613,82 € 294.617,24 € 8.104.231,06 €

08.2017 7.519.151,69 € 257.511,91 € 7.776.663,60 €

09.2017 7.124.717,97 € 221.785,18 € 7.346.503,15 €

10.2017 6.618.009,15 € 187.933,63 € 6.805.942,78 €

11.2017 6.105.117,74 € 156.489,45 € 6.261.607,19 €

12.2017 5.338.318,95 € 127.481,28 € 5.465.800,23 €

01.2018 4.747.537,64 € 102.117,09 € 4.849.654,73 €

02.2018 4.070.064,31 € 79.560,68 € 4.149.624,99 €

03.2018 3.428.290,53 € 60.222,35 € 3.488.512,88 €

04.2018 2.516.577,36 € 43.933,10 € 2.560.510,46 €

05.2018 1.629.009,04 € 31.975,86 € 1.660.984,90 €

06.2018 737.532,60 € 24.236,05 € 761.768,65 €

07.2018 696.019,98 € 20.731,67 € 716.751,65 €

08.2018 652.446,97 € 17.424,66 € 669.871,63 €

09.2018 605.628,98 € 14.324,86 € 619.953,84 €

10.2018 549.593,07 € 11.447,25 € 561.040,32 €

11.2018 481.340,96 € 8.835,99 € 490.176,95 €

12.2018 378.236,80 € 6.548,94 € 384.785,74 €

01.2019 324.277,23 € 4.751,71 € 329.028,94 €

02.2019 257.936,17 € 3.210,93 € 261.147,10 €

03.2019 205.500,98 € 1.985,47 € 207.486,45 €

04.2019 139.516,80 € 1.008,97 € 140.525,77 €

05.2019 72.855,99 € 346,23 € 73.202,22 €

06.2019 0,00 € 0,00 € 0,00 €

Total 875.888.699,54 € 57.539.951,52 € 933.428.651,06 €




Index

Run out schedule II

0

200.000.000

400.000.000

600.000.000

800.000.000

1.000.000.000

09

.20

14

11

.20

14

01

.20

15

03

.20

15

05

.20

15

07

.20

15

09

.20

15

11

.20

15

01

.20

16

03

.20

16

05

.20

16

07

.20

16

09

.20

16

11

.20

16

01

.20

17

03

.20

17

05

.20

17

07

.20

17

09

.20

17

11

.20

17

01

.20

18

03

.20

18

05

.20

18

07

.20

18

09

.20

18

11

.20

18

01

.20

19

03

.20

19

05

.20

19Reporting

period


Expected amortisation of the outstanding discounted Asset-Portfolio

Expected Outstanding Discounted Asset-Portfolio Actual Outstanding Discounted Asset-Portfolio

The expected Portfolio amortisation is solely based on the scheduled payments according to rental plan, no assumptions on prepayments or defaults are made.




Index

Outstanding contracts

Collections by source - Collections

Paid instalments of monthly period - 41.364.017,35 €

therof capital - 37.052.182,98 €

therof interest - 4.311.834,37 €

Paid instalments of previous periods - 190.322,82 €

Early settlements - 1.789.198,84 €

Total - 43.343.539,01 €

Collections by statusNumber of

contractsCollections

Current 103.271 41.109.462,07 €

Delinquent 872 202.558,91 €

Default 179 23.546,00 €

End of Term 1.302 287.932,29 €

Early Settlement 1.018 1.720.039,74 €

Write-Off * 1 0,00 €

Total 106.643 43.343.539,01 €

Contract status development INumber of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balanceCurrent 106.643 1.070.664.347,73 € 102.048 1.020.683.852,78 € 2.077 21.825.797,35 € 2.518 28.154.697,60 € 78.964 814.827.322,74 € 27.679 255.837.024,99 €

Delinquent 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 €

Default 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 €

End of Term 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 €

Early Settlement 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 €

Write-Off 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 €

Total 106.643 1.070.664.347,73 € 102.048 1.020.683.852,78 € 2.077 21.825.797,35 € 2.518 28.154.697,60 € 78.964 814.827.322,74 € 27.679 255.837.024,99 €

Contract status development IINumber of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balanceCurrent 103.271 867.448.418,10 € 98.906 827.806.030,35 € 1.958 17.124.771,96 € 2.407 22.517.615,79 € 76.380 660.270.548,08 € 26.891 207.177.870,02 €

Delinquent 872 6.754.384,00 € 812 6.249.192,52 € 28 205.327,27 € 32 299.864,21 € 523 4.465.679,33 € 349 2.288.704,67 €

Default 179 1.685.897,44 € 164 1.523.559,62 € 8 87.513,05 € 7 74.824,77 € 149 1.426.593,66 € 30 259.303,78 €

End of Term 1.302 0,00 € 1.246 0,00 € 33 0,00 € 23 0,00 € 646 0,00 € 656 0,00 €

Early Settlement 1.018 0,00 € 919 0,00 € 50 0,00 € 49 0,00 € 603 0,00 € 415 0,00 €

Write-Off 1 0,00 € 1 0,00 € 0 0,00 € 0 0,00 € 1 0,00 € 0 0,00 €

Total 106.643 875.888.699,54 € 102.048 835.578.782,49 € 2.077 17.417.612,28 € 2.518 22.892.304,77 € 78.302 666.162.821,07 € 28.341 209.725.878,47 €

3 4 5 6 7 8 9 10 13 14 17 18

Contract status as of the begin of the periodNumber of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balanceCurrent 102.934 864.662.918,27 € 567 4.317.259,96 € 25 195.288,06 € 541 0,00 € 237 0,00 € 0 0,00 €

Delinquent 328 2.708.417,32 € 289 2.294.428,56 € 34 380.233,46 € 3 0,00 € 5 0,00 € 0 0,00 €

Default 9 77.082,51 € 16 142.695,48 € 120 1.110.375,92 € 0 0,00 € 4 0,00 € 0 0,00 €

End of Term 0 0,00 € 0 0,00 € 0 0,00 € 758 0,00 € 5 0,00 € 0 0,00 €

Early Settlement 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 767 0,00 € 0 0,00 €

Write-Off 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 1 0,00 €

Total 103.271 867.448.418,10 € 872 6.754.384,00 € 179 1.685.897,44 € 1.302 0,00 € 1.018 0,00 € 1 0,00 €

* Prior to write-off during reporting month.

Total portfolio as of pool cut dateType of car Customer type

New vehicle Used vehicle Demonstration vehicle Retail Corporate

Total portfolio as of current reporting periodType of car Customer type


Contract status developement IIIContract status as of the end of the Current period

Current Delinquent Default End of term Early settlement Write-Off




Index

Delinquencies & defaults I

Days in arrearsNumber of

contracts

Percentage of

contracts

Outstanding

discounted

balance

Percentage of

outstanding

discounted balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balanceDelinquent early settlements 0 0,00% 0,00 € 0,00% 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 €

> 30 <= 60 652 0,62% 4.952.587,53 € 0,57% 612 4.605.278,51 € 20 147.041,19 € 20 200.267,83 € 350 3.015.490,07 € 302 1.937.097,46 €

> 60 <= 90 140 0,13% 1.222.571,17 € 0,14% 128 1.133.183,68 € 7 57.464,64 € 5 31.922,85 € 110 1.010.737,85 € 30 211.833,32 €

> 90 <= 120 33 0,03% 281.424,61 € 0,03% 32 262.135,62 € 0 0,00 € 1 19.288,99 € 29 249.052,84 € 4 32.371,77 €

> 120 <= 150 34 0,03% 197.203,91 € 0,02% 28 150.212,98 € 1 821,44 € 5 46.169,49 € 22 103.435,19 € 12 93.768,72 €

> 150 <= 180 12 0,01% 86.963,38 € 0,01% 11 84.748,33 € 0 0,00 € 1 2.215,05 € 12 86.963,38 € 0 0,00 €

> 180 <= 210 0 0,00% 0,00 € 0,00% 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 €

> 210 <=240 1 0,00% 13.633,40 € 0,00% 1 13.633,40 € 0 0,00 € 0 0,00 € 0 0,00 € 1 13.633,40 €

> 240 <= 270 0 0,00% 0,00 € 0,00% 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 €

> 270 <= 300 0 0,00% 0,00 € 0,00% 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 €

> 300 <= 330 0 0,00% 0,00 € 0,00% 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 €

> 330 0 0,00% 0,00 € 0,00% 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 €

Total 872 0,84% 6.754.384,00 € 0,77% 812 6.249.192,52 € 28 205.327,27 € 32 299.864,21 € 523 4.465.679,33 € 349 2.288.704,67 €

Delinquent contractsType of car Customer type


€0

€1.000.000

€2.000.000

€3.000.000

€4.000.000

€5.000.000

€6.000.000

€7.000.000

€8.000.000

€9.000.000

€10.000.000

Delinquent early settlements > 30 <= 60 > 60 <= 90 > 90 <= 120 > 120 <= 150 > 150 <= 180> 180 <= 210 > 210 <=240 > 240 <= 270 > 270 <= 300 > 300 <= 330 > 330

Delinquencies I - Outstanding discounted balance of delinquent contracts

Reporting period




Index

Delinquencies & defaults II


contracts

Percentage of

contracts

Outstanding

discounted

balance

Percentage of

outstanding

discounted balance

Outstanding

discounted balance at

day of default

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balanceDelinquent early settlements 22 0,02% 161.085,78 € 0,02% 178.486,03 € 21 147.467,89 € 1 13.617,89 € 0 0,00 € 13 99.758,13 € 9 61.327,65 €

> 30 <= 60 33 0,03% 301.734,06 € 0,03% 303.104,31 € 33 301.734,06 € 0 0,00 € 0 0,00 € 27 252.495,48 € 6 49.238,58 €

> 60 <= 90 48 0,05% 448.705,63 € 0,05% 450.152,00 € 37 351.110,40 € 6 52.239,05 € 5 45.356,18 € 47 443.989,78 € 1 4.715,85 €

> 90 <= 120 31 0,03% 369.503,26 € 0,04% 375.088,48 € 30 363.582,37 € 0 0,00 € 1 5.920,89 € 22 267.214,52 € 9 102.288,74 €

> 120 <= 150 35 0,03% 316.927,56 € 0,04% 328.406,87 € 35 316.927,56 € 0 0,00 € 0 0,00 € 31 277.724,38 € 4 39.203,18 €

> 150 <= 180 10 0,01% 87.941,15 € 0,01% 93.858,83 € 8 42.737,34 € 1 21.656,11 € 1 23.547,70 € 9 85.411,37 € 1 2.529,78 €

> 180 <= 210 0 0,00% 0,00 € 0,00% 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 €

> 210 <=240 0 0,00% 0,00 € 0,00% 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 €

> 240 <= 270 0 0,00% 0,00 € 0,00% 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 €

> 270 <= 300 0 0,00% 0,00 € 0,00% 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 €

> 300 <= 330 0 0,00% 0,00 € 0,00% 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 €

> 330 0 0,00% 0,00 € 0,00% 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 €

Total 179 0,17% 1.685.897,44 € 0,19% 1.729.096,52 € 164 1.523.559,62 € 8 87.513,05 € 7 74.824,77 € 149 1.426.593,66 € 30 259.303,78 €

Defaulted contractsType of car Customer type


€0

€500.000

€1.000.000

€1.500.000

€2.000.000

€2.500.000

€3.000.000

Delinquent early settlements > 30 <= 60 > 60 <= 90 > 90 <= 120 > 120 <= 150 > 150 <= 180 > 180 <= 210 > 210 <=240 > 240 <= 270 > 270 <= 300 > 300 <= 330 > 330

Delinquencies II - Outstanding discounted balance of default contracts

Reporting period




Index

Delinquencies & defaults III


contracts

Percentage of

contracts

Outstanding

discounted

balance

Percentage of

outstanding

discounted balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balanceDelinquent early settlements 22 0,02% 161.085,78 € 0,02% 21 147.467,89 € 1 13.617,89 € 0 0,00 € 13 99.758,13 € 9 61.327,65 €> 30 <= 60 685 0,66% 5.254.321,59 € 0,60% 645 4.907.012,57 € 20 147.041,19 € 20 200.267,83 € 377 3.267.985,55 € 308 1.986.336,04 €> 60 <= 90 188 0,18% 1.671.276,80 € 0,19% 165 1.484.294,08 € 13 109.703,69 € 10 77.279,03 € 157 1.454.727,63 € 31 216.549,17 €> 90 <= 120 64 0,06% 650.927,87 € 0,07% 62 625.717,99 € 0 0,00 € 2 25.209,88 € 51 516.267,36 € 13 134.660,51 €> 120 <= 150 69 0,07% 514.131,47 € 0,06% 63 467.140,54 € 1 821,44 € 5 46.169,49 € 53 381.159,57 € 16 132.971,90 €> 150 <= 180 22 0,02% 174.904,53 € 0,02% 19 127.485,67 € 1 21.656,11 € 2 25.762,75 € 21 172.374,75 € 1 2.529,78 €> 180 <= 210 0 0,00% 0,00 € 0,00% 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 €> 210 <=240 1 0,00% 13.633,40 € 0,00% 1 13.633,40 € 0 0,00 € 0 0,00 € 0 0,00 € 1 13.633,40 €> 240 <= 270 0 0,00% 0,00 € 0,00% 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 €> 270 <= 300 0 0,00% 0,00 € 0,00% 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 €> 300 <= 330 0 0,00% 0,00 € 0,00% 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 €> 330 0 0,00% 0,00 € 0,00% 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 €

Total 1.051 1,01% 8.440.281,44 € 0,96% 976 7.772.752,14 € 36 292.840,32 € 39 374.688,98 € 672 5.892.272,99 € 379 2.548.008,45 €

Delinquent and defaulted contractsCustomer type

Retail CorporateNew vehicle Used vehicle Demonstration vehicleType of car

€0

€1.000.000

€2.000.000

€3.000.000

€4.000.000

€5.000.000

€6.000.000

€7.000.000

€8.000.000

€9.000.000

€10.000.000

Delinquent early settlements > 30 <= 60 > 60 <= 90 > 90 <= 120 > 120 <= 150 > 150 <= 180 > 180 <= 210 > 210 <=240 > 240 <= 270 > 270 <= 300 > 300 <= 330 > 330

Delinquencies III - Outstanding discounted balance of delinquent and default contracts

Reporting period




Index

Write-Offs

Write-Offs of the

monthly periodNumber of contracts Amount

28.02.2015 0 0,00 €

2.229,80 €

1.070.664.347,73 €

0,00021%

Monthly period Number of contracts Write-Offs Number of contracts Write-Offs

31.10.2014 0 0,00 € 0 0,00 €

30.11.2014 0 0,00 € 0 0,00 €

31.12.2014 0 0,00 € 0 0,00 €

31.01.2015 1 2.229,80 € 1 2.229,80 €

28.02.2015 0 0,00 € 1 2.229,80 €

31.03.2015 - - - -

30.04.2015 - - - -

31.05.2015 - - - -

30.06.2015 - - - -

31.07.2015 - - - -

31.08.2015 - - - -

30.09.2015 - - - -

31.10.2015 - - - -

30.11.2015 - - - -

31.12.2015 - - - -

31.01.2016 - - - -

29.02.2016 - - - -

31.03.2016 - - - -

30.04.2016 - - - -

31.05.2016 - - - -

30.06.2016 - - - -

31.07.2016 - - - -

31.08.2016 - - - -

30.09.2016 - - - -

31.10.2016 - - - -

30.11.2016 - - - -

31.12.2016 - - - -

31.01.2017 - - - -

28.02.2017 - - - -

31.03.2017 - - - -

30.04.2017 - - - -

31.05.2017 - - - -

30.06.2017 - - - -

31.07.2017 - - - -

31.08.2017 - - - -

30.09.2017 - - - -

31.10.2017 - - - -

30.11.2017 - - - -

31.12.2017 - - - -

31.01.2018 - - - -

Total 1 2.229,80 €

Current period Cumulative Write-Offs

Cumulative Write-Offs as of the end of the monthly period

Outstanding discounted balance as of Cut-Off-Date

Cumulative net loss ratio




Index

Prepayments

Reporting period Unscheduled paymentsDiscounted balance as

of previous periodPeriodic CPR Annualised CPR

Pool Cut - - - -

31.10.2014 1.434.308,00 € 1.070.664.347,73 € 0,134% 1,596%

30.11.2014 1.649.887,37 € 1.031.875.723,87 € 0,160% 1,902%

31.12.2014 1.504.689,49 € 992.756.019,98 € 0,152% 1,804%

31.01.2015 1.491.077,14 € 953.825.065,14 € 0,156% 1,860%

28.02.2015 1.789.198,84 € 914.911.466,83 € 0,196% 2,322%

31.03.2015 - - - -

30.04.2015 - - - -

31.05.2015 - - - -

30.06.2015 - - - -

31.07.2015 - - - -

31.08.2015 - - - -

30.09.2015 - - - -

31.10.2015 - - - -

30.11.2015 - - - -

31.12.2015 - - - -

31.01.2016 - - - -

29.02.2016 - - - -

31.03.2016 - - - -

30.04.2016 - - - -

31.05.2016 - - - -

30.06.2016 - - - -

31.07.2016 - - - -

31.08.2016 - - - -

30.09.2016 - - - -

31.10.2016 - - - -

30.11.2016 - - - -

31.12.2016 - - - -

31.01.2017 - - - -

28.02.2017 - - - -

31.03.2017 - - - -

30.04.2017 - - - -

31.05.2017 - - - -

30.06.2017 - - - -

31.07.2017 - - - -

31.08.2017 - - - -

30.09.2017 - - - -

31.10.2017 - - - -

30.11.2017 - - - -

31.12.2017 - - - -

31.01.2018 - - - -

The annualised constant prepayment rate (CPR) of the underlying receivables based upon the most recent periodic

CPR. Periodic CPR is equal to the total unscheduled principal received in the most recent period divided by the

start of period principal balance. This is then annualised as follows:

1-((1-Periodic CPR)^number of periods in a year)



Index

Pool data I

Distribution by payment typeNumber of

contracts

Percentage of

contracts

Outstanding

discounted

balance

Percentage of

outstanding

discounted balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balanceDirect borrower account debit 97.793 93,74% 826.524.793,14 € 94,36% 93.509 787.564.772,68 € 1.932 16.913.696,81 € 2.352 22.046.323,65 € 74.752 647.276.528,31 € 23.041 179.248.264,83 €

Others 6.529 6,26% 49.363.906,40 € 5,64% 6.373 48.014.009,81 € 62 503.915,47 € 94 845.981,12 € 2.300,00 € 18.886.292,76 € 4.229,00 € 30.477.613,64 €

Total 104.322 100,00% 875.888.699,54 € 100,00% 99.882 835.578.782,49 € 1.994 17.417.612,28 € 2.446 22.892.304,77 € 77.052 666.162.821,07 € 27.270 209.725.878,47 €

Distribution by contract

concentration

Number of

contracts

Percentage of

contracts

Outstanding

discounted

balance

Percentage of

outstanding

discounted balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance1 44.932 43,07% 407.021.783,29 € 46,47% 41.450 375.004.809,50 € 1.556 13.714.688,71 € 1.926 18.302.285,08 € 44.111 400.232.929,36 € 821 6.788.853,93 €

2 - 10 41.840 40,11% 343.704.845,98 € 39,24% 41.002 336.245.903,40 € 362 3.213.953,61 € 476 4.244.988,97 € 31.635 259.141.358,52 € 10.205 84.563.487,46 €

11 - 20 8.712 8,35% 66.847.274,26 € 7,63% 8.645 66.310.265,81 € 36 296.425,94 € 31 240.582,51 € 1.168 6.452.802,94 € 7.544 60.394.471,32 €

21 - 50 8.075 7,74% 55.683.246,78 € 6,36% 8.024 55.392.345,08 € 38 186.453,49 € 13 104.448,21 € 138 335.730,25 € 7.937 55.347.516,53 €

> 50 763 0,73% 2.631.549,23 € 0,30% 761 2.625.458,70 € 2 6.090,53 € 0 0,00 € 0 0,00 € 763 2.631.549,23 €

Total 104.322 100,00% 875.888.699,54 € 100,00% 99.882 835.578.782,49 € 1.994 17.417.612,28 € 2.446 22.892.304,77 € 77.052 666.162.821,07 € 27.270 209.725.878,47 €

Distribution by largest customerNumber of

contracts

Percentage of

contracts

Outstanding

discounted

balance

Percentage of

outstanding

discounted balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance1 84 0,08% 288.904,22 € 0,03% 84 288.904,22 € 0 0,00 € 0 0,00 € 0 0,00 € 84 288.904,22 €

2 21 0,02% 283.443,00 € 0,03% 21 283.443,00 € 0 0,00 € 0 0,00 € 0 0,00 € 21 283.443,00 €

3 19 0,02% 278.747,29 € 0,03% 19 278.747,29 € 0 0,00 € 0 0,00 € 0 0,00 € 19 278.747,29 €

4 32 0,03% 267.306,04 € 0,03% 32 267.306,04 € 0 0,00 € 0 0,00 € 0 0,00 € 32 267.306,04 €

5 16 0,02% 265.735,55 € 0,03% 16 265.735,55 € 0 0,00 € 0 0,00 € 0 0,00 € 16 265.735,55 €

6 34 0,03% 259.116,05 € 0,03% 34 259.116,05 € 0 0,00 € 0 0,00 € 0 0,00 € 34 259.116,05 €

7 33 0,03% 253.430,52 € 0,03% 33 253.430,52 € 0 0,00 € 0 0,00 € 0 0,00 € 33 253.430,52 €

8 29 0,03% 250.706,76 € 0,03% 29 250.706,76 € 0 0,00 € 0 0,00 € 0 0,00 € 29 250.706,76 €

9 34 0,03% 247.187,94 € 0,03% 34 247.187,94 € 0 0,00 € 0 0,00 € 0 0,00 € 34 247.187,94 €

10 42 0,04% 245.857,00 € 0,03% 42 245.857,00 € 0 0,00 € 0 0,00 € 0 0,00 € 42 245.857,00 €

11 34 0,03% 245.124,21 € 0,03% 34 245.124,21 € 0 0,00 € 0 0,00 € 0 0,00 € 34 245.124,21 €

12 34 0,03% 245.099,67 € 0,03% 34 245.099,67 € 0 0,00 € 0 0,00 € 0 0,00 € 34 245.099,67 €

13 40 0,04% 240.585,44 € 0,03% 40 240.585,44 € 0 0,00 € 0 0,00 € 0 0,00 € 40 240.585,44 €

14 35 0,03% 240.539,24 € 0,03% 35 240.539,24 € 0 0,00 € 0 0,00 € 0 0,00 € 35 240.539,24 €

15 110 0,11% 239.777,45 € 0,03% 110 239.777,45 € 0 0,00 € 0 0,00 € 0 0,00 € 110 239.777,45 €

16 103 0,10% 239.655,34 € 0,03% 103 239.655,34 € 0 0,00 € 0 0,00 € 0 0,00 € 103 239.655,34 €

17 21 0,02% 239.126,26 € 0,03% 21 239.126,26 € 0 0,00 € 0 0,00 € 0 0,00 € 21 239.126,26 €

18 28 0,03% 238.501,88 € 0,03% 28 238.501,88 € 0 0,00 € 0 0,00 € 0 0,00 € 28 238.501,88 €

19 29 0,03% 236.772,14 € 0,03% 29 236.772,14 € 0 0,00 € 0 0,00 € 0 0,00 € 29 236.772,14 €

20 33 0,03% 235.726,35 € 0,03% 33 235.726,35 € 0 0,00 € 0 0,00 € 0 0,00 € 33 235.726,35 €

Total 1 - 20 811 0,78% 5.041.342,35 € 0,58% 811 5.041.342,35 € 0 0,00 € 0 0,00 € 0 0,00 € 811 5.041.342,35 €

Total portfolioType of car Customer type









Index

Pool data II

Distribution by

Outstanding discounted

balance

Number of

contracts

Percentage of

contracts

Outstanding

discounted

balance

Percentage of

outstanding

discounted balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance0,01 - 5.000,00 27.752 26,60% 84.673.592,62 € 9,67% 26.608 81.022.278,85 € 532 1.649.577,48 € 612 2.001.736,29 € 20.499 63.256.731,44 € 7.253 21.416.861,18 €

5.000,01 - 10.000,00 45.512 43,63% 339.156.003,96 € 38,72% 43.789 326.293.108,95 € 794 5.955.087,70 € 929 6.907.807,31 € 32.153 239.530.090,32 € 13.359 99.625.913,64 €

10.000,01 - 15.000,00 21.225 20,35% 254.116.288,02 € 29,01% 20.238 242.185.713,28 € 442 5.318.542,19 € 545 6.612.032,55 € 15.902 190.964.765,82 € 5.323 63.151.522,20 €

15.000,01 - 20.000,00 6.301 6,04% 107.512.079,22 € 12,27% 5.944 101.387.564,95 € 138 2.378.302,48 € 219 3.746.211,79 € 5.319 90.961.683,97 € 982 16.550.395,25 €

20.000,01 - 25.000,00 2.230 2,14% 49.233.889,45 € 5,62% 2.083 46.010.191,11 € 63 1.377.513,76 € 84 1.846.184,58 € 2.007 44.373.061,90 € 223 4.860.827,55 €

25.000,01 - 30.000,00 768 0,74% 20.784.738,40 € 2,37% 714 19.326.105,21 € 19 521.661,93 € 35 936.971,26 € 698 18.865.223,98 € 70 1.919.514,42 €

> 30.000,00 534 0,51% 20.412.107,87 € 2,33% 506 19.353.820,14 € 6 216.926,74 € 22 841.360,99 € 474 18.211.263,64 € 60 2.200.844,23 €

Total 104.322 100,00% 875.888.699,54 € 100,00% 99.882 835.578.782,49 € 1.994 17.417.612,28 € 2.446 22.892.304,77 € 77.052 666.162.821,07 € 27.270 209.725.878,47 €

102,63 €

87.764,65 €

8.396,01 €

Distribution by

outstanding nominal

balance

Number of

contracts

Percentage of

contracts

Outstanding

discounted

balance

Percentage of

outstanding

discounted balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance0,01 - 5.000,00 25.792 24,72% 75.128.505,46 € 8,58% 24.746 71.952.981,58 € 490 1.445.354,27 € 556 1.730.169,61 € 18.997 55.949.927,04 € 6.795 19.178.578,42 €

5.000,01 - 10.000,00 42.652 40,88% 302.081.207,14 € 34,49% 41.013 290.504.728,10 € 748 5.306.090,87 € 891 6.270.388,17 € 30.131 212.768.774,70 € 12.521 89.312.432,44 €

10.000,01 - 15.000,00 23.619 22,64% 265.745.374,68 € 30,34% 22.593 254.117.635,05 € 479 5.432.138,03 € 547 6.195.601,60 € 17.511 197.404.891,60 € 6.108 68.340.483,08 €

15.000,01 - 20.000,00 7.573 7,26% 120.308.472,10 € 13,74% 7.137 113.355.189,26 € 161 2.577.943,78 € 275 4.375.339,06 € 6.225 99.175.972,13 € 1.348 21.132.499,97 €

20.000,01 - 25.000,00 2.847 2,73% 58.527.444,04 € 6,68% 2.671 54.908.470,18 € 78 1.603.386,01 € 98 2.015.587,85 € 2.514 51.727.120,25 € 333 6.800.323,79 €

25.000,01 - 30.000,00 1.072 1,03% 26.980.822,37 € 3,08% 1.001 25.201.126,96 € 24 604.267,24 € 47 1.175.428,17 € 997 25.085.059,60 € 75 1.895.762,77 €

> 30.000,00 767 0,74% 27.116.873,75 € 3,10% 721 25.538.651,36 € 14 448.432,08 € 32 1.129.790,31 € 677 24.051.075,75 € 90 3.065.798,00 €

Total 104.322 100,00% 875.888.699,54 € 100,00% 99.882 835.578.782,49 € 1.994 17.417.612,28 € 2.446 22.892.304,77 € 77.052 666.162.821,07 € 27.270 209.725.878,47 €

115,00 €

98.136,00 €

8.947,57 €

Maximum outstanding nominal balance

Average outstanding nominal balance



Statistics

Minimum Outstanding discounted balance

Maximum Outstanding discounted balance

Average Outstanding discounted balance

Total portfolioType of car

Statistics

Minimum outstanding nominal balance

Customer type





Index

Pool data III

Distribution by

remaining term

Number of

contracts

Percentage of

contracts

Outstanding

discounted

balance

Percentage of

outstanding

discounted balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance01-12 12.781 12,25% 43.569.852,72 € 4,97% 12.120 41.090.555,64 € 368 1.242.407,72 € 293 1.236.889,36 € 8.343 29.700.541,37 € 4.438 13.869.311,35 €

13-24 45.506 43,62% 348.436.413,60 € 39,78% 43.657 332.781.747,82 € 825 6.890.519,21 € 1.024 8.764.146,57 € 32.504 251.077.085,47 € 13.002 97.359.328,13 €

25-36 35.566 34,09% 357.910.702,24 € 40,86% 34.125 341.793.776,02 € 617 6.823.261,77 € 824 9.293.664,45 € 27.467 279.128.822,22 € 8.099 78.781.880,02 €

37-48 9.807 9,40% 116.748.931,23 € 13,33% 9.348 111.018.708,78 € 181 2.417.491,56 € 278 3.312.730,89 € 8.134 97.891.977,96 € 1.673 18.856.953,27 €

49-60 662 0,63% 9.222.799,75 € 1,05% 632 8.893.994,23 € 3 43.932,02 € 27 284.873,50 € 604 8.364.394,05 € 58 858.405,70 €

61-72 0 0,00% 0,00 € 0,00% 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 €

>72 0 0,00% 0,00 € 0,00% 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 €

Total 104.322 100,00% 875.888.699,54 € 100,00% 99.882 835.578.782,49 € 1.994 17.417.612,28 € 2.446 22.892.304,77 € 77.052 666.162.821,07 € 27.270 209.725.878,47 €

Distribution by

seasoning

Number of

contracts

Percentage of

contracts

Outstanding

discounted

balance

Percentage of

outstanding

discounted balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance01-12 30.933 29,65% 314.832.883,84 € 35,94% 29.877 303.084.269,00 € 568 6.076.669,97 € 488 5.671.944,87 € 22.955 242.127.757,54 € 7.978 72.705.126,30 €

13-24 61.294 58,75% 504.496.514,41 € 57,60% 58.479 478.874.282,12 € 1.229 10.463.486,48 € 1.586 15.158.745,81 € 45.221 380.996.645,60 € 16.073 123.499.868,81 €

25-36 11.544 11,07% 54.770.080,98 € 6,25% 10.997 51.912.674,09 € 191 859.552,78 € 356 1.997.854,11 € 8.426 41.555.067,01 € 3.118 13.215.013,97 €

37-48 547 0,52% 1.773.012,31 € 0,20% 525 1.691.349,28 € 6 17.903,05 € 16 63.759,98 € 446 1.467.142,92 € 101 305.869,39 €

49-60 4 0,00% 16.208,00 € 0,00% 4 16.208,00 € 0 0,00 € 0 0,00 € 4 16.208,00 € 0 0,00 €

61-72 0 0,00% 0,00 € 0,00% 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 €

>72 0 0,00% 0,00 € 0,00% 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 €

Total 104.322 100,00% 875.888.699,54 € 100,00% 99.882 835.578.782,49 € 1.994 17.417.612,28 € 2.446 22.892.304,77 € 77.052 666.162.821,07 € 27.270 209.725.878,47 €

Weighted average remaining term 26,05



Statistics

Minimum remaining term 1

Maximum remaining term 51

Weighted average seasoning 15,31



Statistics

Minimum seasoning 5

Maximum seasoning 53




Index

Pool data IV

Distribution by brandNumber of

contracts

Percentage of

contracts

Outstanding

discounted balance

Percentage of

outstanding

discounted balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balanceVW 42.038 40,30% 285.980.168,07 € 32,65% 40.699 276.266.581,79 € 865 6.267.294,40 € 474 3.446.291,88 € 29.547 204.722.472,35 € 12.491 81.257.695,72 €

VW LCV 15.505 14,86% 152.650.382,53 € 17,43% 14.623 144.175.898,17 € 401 3.727.263,20 € 481 4.747.221,16 € 11.707 118.381.354,53 € 3.798 34.269.028,00 €

Audi 29.945 28,70% 335.236.882,94 € 38,27% 28.162 316.103.171,58 € 619 6.420.553,70 € 1.164 12.713.157,66 € 22.449 262.655.126,57 € 7.496 72.581.756,37 €

Seat 4.201 4,03% 20.315.256,00 € 2,32% 4.066 19.473.239,00 € 24 168.846,97 € 111 673.170,03 € 3.519 17.234.609,27 € 682 3.080.646,73 €

Skoda 12.466 11,95% 79.589.655,14 € 9,09% 12.220 78.143.299,24 € 38 205.130,50 € 208 1.241.225,40 € 0 0,00 € 0 0,00 €

Other brands 167 0,16% 2.116.354,86 € 0,24% 112 1.416.592,71 € 47 628.523,51 € 8 71.238,64 € 105 1.342.786,38 € 62 773.568,48 €

Total 104.322 100,00% 875.888.699,54 € 100,00% 99.882 835.578.782,49 € 1.994 17.417.612,28 € 2.446 22.892.304,77 € 67.327 604.336.349,10 € 24.529 191.962.695,30 €

Distribution by geographical

region

Number of

contracts

Percentage of

contracts

Outstanding

discounted balance

Percentage of

outstanding

discounted balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balanceBaden-Wuerttemberg 15.789 15,13% 137.234.975,81 € 15,67% 15.193 131.872.805,41 € 235 1.958.885,13 € 361 3.403.285,27 € 11.604 104.062.353,06 € 4.185 33.172.622,75 €

Bavaria 17.341 16,62% 152.967.307,87 € 17,46% 16.474 144.857.603,38 € 421 3.717.209,94 € 446 4.392.494,55 € 12.803 115.398.353,65 € 4.538 37.568.954,22 €

Berlin 3.217 3,08% 23.799.656,39 € 2,72% 3.066 22.519.973,85 € 71 630.479,12 € 80 649.203,42 € 2.283 18.197.862,40 € 934 5.601.793,99 €

Brandenburg 2.294 2,20% 18.329.230,29 € 2,09% 2.165 17.231.983,83 € 71 560.898,65 € 58 536.347,81 € 1.769 14.815.679,40 € 525 3.513.550,89 €

Bremen 1.086 1,04% 8.433.465,77 € 0,96% 1.044 8.089.610,74 € 17 145.888,32 € 25 197.966,71 € 633 5.189.096,39 € 453 3.244.369,38 €

Hamburg 3.368 3,23% 26.611.708,34 € 3,04% 3.268 25.779.866,48 € 33 278.507,68 € 67 553.334,18 € 2.358 19.370.452,48 € 1.010 7.241.255,86 €

Hesse 8.424 8,07% 70.047.532,12 € 8,00% 8.036 66.795.348,96 € 195 1.450.125,47 € 193 1.802.057,69 € 6.027 52.659.693,58 € 2.397 17.387.838,54 €

Lower Saxony 9.787 9,38% 80.476.689,54 € 9,19% 9.387 76.816.055,45 € 188 1.707.951,33 € 212 1.952.682,76 € 7.109 59.655.100,90 € 2.678 20.821.588,64 €

Mecklenburg-Vorpommern 1.680 1,61% 13.759.093,80 € 1,57% 1.612 13.150.127,10 € 28 209.011,61 € 40 399.955,09 € 1.280 11.026.327,28 € 400 2.732.766,52 €

North Rhine-Westphalia 22.982 22,03% 190.709.394,82 € 21,77% 22.084 182.595.392,23 € 387 3.473.542,37 € 511 4.640.460,22 € 16.801 142.679.375,23 € 6.181 48.030.019,59 €

Rhineland-Palatinate 3.476 3,33% 30.608.529,01 € 3,49% 3.299 28.933.222,28 € 69 680.905,63 € 108 994.401,10 € 2.628 23.802.063,23 € 848 6.806.465,78 €

Saarland 633 0,61% 5.817.091,67 € 0,66% 575 5.276.188,67 € 28 286.470,25 € 30 254.432,75 € 515 4.833.687,52 € 118 983.404,15 €

Saxony 5.610 5,38% 45.829.665,40 € 5,23% 5.413 44.046.424,33 € 90 774.422,78 € 107 1.008.818,29 € 4.540 37.930.794,13 € 1.070 7.898.871,27 €

Saxony-Anhalt 2.483 2,38% 20.046.850,97 € 2,29% 2.351 18.664.123,62 € 66 658.181,02 € 66 724.546,33 € 1.914 15.712.838,54 € 569 4.334.012,43 €

Schleswig-Holstein 3.401 3,26% 28.045.313,81 € 3,20% 3.273 26.789.798,87 € 46 448.266,53 € 82 807.248,41 € 2.643 22.372.922,18 € 758 5.672.391,63 €

Thuringia 2.748 2,63% 23.139.525,96 € 2,64% 2.639 22.127.589,32 € 49 436.866,45 € 60 575.070,19 € 2.143 18.437.607,25 € 605 4.701.918,71 €

Foreign countries (*) 3 0,00% 32.667,97 € 0,00% 3 32.667,97 € 0 0,00 € 0 0,00 € 2 18.613,85 € 1 14.054,12 €

Total 104.322 100,00% 875.888.699,54 € 100,00% 99.882 835.578.782,49 € 1.994 17.417.612,28 € 2.446 22.892.304,77 € 77.052 666.162.821,07 € 27.270 209.725.878,47 €

Distribution by industry sectorNumber of

contracts

Percentage of

contracts

Outstanding

discounted balance

Percentage of

outstanding

discounted balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balanceAgriculture/ Forestry 647 0,62% 5.937.022,88 € 0,68% 615 5.632.385,03 € 19 157.138,19 € 13 147.499,66 € 521 5.067.529,29 € 126 869.493,59 €

Energy/ Mining 1.270 1,22% 10.401.646,76 € 1,19% 1.250 10.171.512,67 € 4 57.528,76 € 16 172.605,33 € 744 6.480.959,84 € 526 3.920.686,92 €

Manufacturing Industry 18.710 17,93% 175.571.733,20 € 20,04% 18.214 170.719.510,35 € 205 1.971.908,08 € 291 2.880.314,77 € 11.838 115.810.442,38 € 6.872 59.761.290,82 €

Chemical Industry 1.182 1,13% 10.399.532,19 € 1,19% 1.163 10.191.510,01 € 8 88.880,74 € 11 119.141,44 € 548 4.964.671,23 € 634 5.434.860,96 €

Construction 10.421 9,99% 98.224.698,42 € 11,21% 9.822 92.520.040,14 € 247 2.234.078,32 € 352 3.470.579,96 € 8.527 82.650.946,99 € 1.894 15.573.751,43 €

Retail/ Wholesale 18.498 17,73% 156.619.935,89 € 17,88% 17.627 149.006.627,42 € 435 3.541.134,55 € 436 4.072.173,92 € 13.241 117.868.087,17 € 5.257 38.751.848,72 €

Hotel and Restaurant Industry 1.782 1,71% 14.708.950,73 € 1,68% 1.623 13.322.242,33 € 64 492.409,03 € 95 894.299,37 € 1.575 13.270.989,98 € 207 1.437.960,75 €

Transportation 2.666 2,56% 24.003.459,34 € 2,74% 2.512 22.549.379,23 € 76 655.244,43 € 78 798.835,68 € 2.020 19.063.385,96 € 646 4.940.073,38 €

Financial Services 4.459 4,27% 35.768.171,96 € 4,08% 4.271 34.132.628,55 € 96 838.906,17 € 92 796.637,24 € 3.175 26.894.905,26 € 1.284 8.873.266,70 €

Public Administration, Education,

Health Care, Public Serv.19.394 18,59% 127.796.080,26 € 14,59% 18.674 121.850.894,32 € 306 2.511.867,13 € 414 3.433.318,81 € 15.677 104.817.660,37 € 3.717 22.978.419,89 €

Other Services 16.711 16,02% 145.116.953,52 € 16,57% 15.892 137.441.469,56 € 372 3.424.785,90 € 447 4.250.698,06 € 12.880 115.615.860,20 € 3.831 29.501.093,32 €

Information Technology 5.613 5,38% 47.232.220,11 € 5,39% 5.436 45.652.653,30 € 75 671.375,91 € 102 908.190,90 € 3.779 32.619.144,37 € 1.834 14.613.075,74 €

Real Estate 2.748 2,63% 22.616.793,12 € 2,58% 2.571 20.964.691,65 € 85 757.402,84 € 92 894.698,63 € 2.358 19.920.745,20 € 390 2.696.047,92 €

Other 221 0,21% 1.491.501,16 € 0,17% 212 1.423.237,93 € 2 14.952,23 € 7 53.311,00 € 169 1.117.492,83 € 52 374.008,33 €

Total 104.322 100,00% 875.888.699,54 € 100,00% 99.882 835.578.782,49 € 1.994 17.417.612,28 € 2.446 22.892.304,77 € 77.052 666.162.821,07 € 27.270 209.725.878,47 €

(*) Customers who changed their residence after Cut-Off-Date










Index

Pool data V

Distribution by brand & model ModelNumber of

contracts

Percentage of

contracts

Outstanding

discounted

balance

Percentage of

outstanding

discounted balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balanceVW Fox 1 0,00% 767,50 € 0,00% 0 0 1 767,50 € 0 0,00 € 0 0,00 € 1 767,50 €

Polo 3.815 3,66% 13.017.306,05 € 1,49% 3.760 12.771.591 18 81.239,73 € 37 164.474,85 € 2.832 9.984.858,68 € 983 3.032.447,37 €

Golf 11.809 11,32% 72.881.101,97 € 8,32% 11.511 71.009.219 143 840.177,66 € 155 1.031.705,08 € 8.088 51.739.495,39 € 3.721 21.141.606,58 €

Eos 88 0,08% 769.830,44 € 0,09% 82 725.290 4 33.684,27 € 2 10.855,79 € 81 712.843,78 € 7 56.986,66 €

Jetta 64 0,06% 314.152,24 € 0,04% 37 234.179 25 72.595,62 € 2 7.377,48 € 53 259.958,99 € 11 54.193,25 €

New Beetle 591 0,57% 3.627.758,88 € 0,41% 555 3.359.497 12 113.063,41 € 24 155.198,65 € 559 3.430.792,10 € 32 196.966,78 €

Passat 10.374 9,94% 84.782.134,26 € 9,68% 10.210 83.595.977 106 703.148,81 € 58 483.008,93 € 5.835 50.284.935,53 € 4.539 34.497.198,73 €

Scirocco 84 0,08% 525.918,13 € 0,06% 75 469.764 6 35.906,80 € 3 20.247,63 € 71 417.131,74 € 13 108.786,39 €

Touran 3.329 3,19% 25.309.713,92 € 2,89% 3.290 25.002.093 27 185.943,28 € 12 121.677,56 € 2.164 16.872.653,43 € 1.165 8.437.060,49 €

Tiguan 4.017 3,85% 31.049.615,89 € 3,54% 3.937 30.275.555 32 319.158,39 € 48 454.902,19 € 3.414 26.530.556,45 € 603 4.519.059,44 €

Sharan 1.752 1,68% 18.414.504,56 € 2,10% 1.723 18.136.875 19 193.067,71 € 10 84.562,28 € 1.188 12.876.790,00 € 564 5.537.714,56 €

Touareg 1.245 1,19% 20.076.807,07 € 2,29% 1.148 18.575.926 53 822.511,63 € 44 678.369,80 € 1.116 18.190.613,23 € 129 1.886.193,84 €

Phaeton 618 0,59% 4.132.513,63 € 0,47% 222 1.332.713 396 2.799.801,12 € 0 0,00 € 571 3.996.546,09 € 47 135.967,54 €

up! 4.251 4,07% 11.078.043,53 € 1,26% 4.149 10.777.903 23 66.228,47 € 79 233.911,64 € 3.575 9.425.296,94 € 676 1.652.746,59 €

Sub-Total VW 42.038 40,30% 285.980.168,07 € 32,65% 40.699 276.266.581,79 € 865 6.267.294,40 € 474 3.446.291,88 € 29.547 204.722.472,35 € 12.491 81.257.695,72 €

VW LCV Caddy 5.648 5,41% 37.682.286,20 € 4,30% 5.431 36.307.319 94 528.721,55 € 123 846.245,96 € 4.141 28.238.647,07 € 1.507 9.443.639,13 €

Transporter 6.856 6,57% 79.345.307,23 € 9,06% 6.401 74.455.740 212 2.219.187,82 € 243 2.670.379,06 € 5.190 61.480.038,15 € 1.666 17.865.269,08 €

Crafter 2.473 2,37% 29.517.959,56 € 3,37% 2.330 27.982.244 70 750.366,25 € 73 785.349,20 € 1.902 23.120.600,52 € 571 6.397.359,04 €

Amarok 528 0,51% 6.104.829,54 € 0,70% 461 5.430.595 25 228.987,58 € 42 445.246,94 € 474 5.542.068,79 € 54 562.760,75 €

LT 0 0,00% 0,00 € 0,00% 0 0 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 €

Sub-Total VW LCV 15.505 14,86% 152.650.382,53 € 17,43% 14.623 144.175.898,17 € 401 3.727.263,20 € 481 4.747.221,16 € 11.707 118.381.354,53 € 3.798 34.269.028,00 €

Audi A1 1.175 1,13% 5.700.618,93 € 0,65% 1.089 5.311.780 39 201.557,67 € 47 187.281,33 € 996 4.867.921,02 € 179 832.697,91 €

A2 0 0,00% 0,00 € 0,00% 0 0 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 €

A3 4.319 4,14% 31.892.568,01 € 3,64% 4.072 30.301.793 59 361.095,37 € 188 1.229.679,29 € 3.375 25.463.266,23 € 944 6.429.301,78 €

A4 7.047 6,76% 65.631.974,30 € 7,49% 6.734 62.781.956 124 1.044.122,89 € 189 1.805.895,43 € 4.172 41.101.390,77 € 2.875 24.530.583,53 €

A5 2.579 2,47% 30.106.818,27 € 3,44% 2.431 28.460.638 41 472.772,35 € 107 1.173.407,98 € 2.054 24.862.548,64 € 525 5.244.269,63 €

A6 7.770 7,45% 103.582.786,81 € 11,83% 7.375 98.817.552 169 1.936.908,50 € 226 2.828.326,31 € 5.710 79.717.454,35 € 2.060 23.865.332,46 €

A7 579 0,56% 10.179.313,63 € 1,16% 529 9.418.233 17 259.264,51 € 33 501.815,68 € 500 8.965.867,61 € 79 1.213.446,02 €

A8 522 0,50% 12.530.196,70 € 1,43% 385 10.341.631 59 782.086,90 € 78 1.406.479,02 € 445 10.699.311,02 € 77 1.830.885,68 €

Q3 1.926 1,85% 17.069.977,35 € 1,95% 1.819 16.142.947 18 157.090,24 € 89 769.940,35 € 1.643 14.677.771,43 € 283 2.392.205,92 €

Q5 3.145 3,01% 44.785.022,34 € 5,11% 2.983 42.695.945 40 495.868,38 € 122 1.593.208,88 € 2.726 39.380.183,11 € 419 5.404.839,23 €

Q7 638 0,61% 10.260.006,64 € 1,17% 542 8.914.736 34 484.100,86 € 62 861.169,52 € 596 9.609.801,27 € 42 650.205,37 €

TT 201 0,19% 2.099.755,93 € 0,24% 169 1.804.203 17 173.033,42 € 15 122.519,34 € 191 2.019.245,16 € 10 80.510,77 €

R8 44 0,04% 1.397.844,03 € 0,16% 34 1.111.757 2 52.652,61 € 8 233.434,53 € 41 1.290.365,96 € 3 107.478,07 €

Sub-Total Audi 29.945 28,70% 335.236.882,94 € 38,27% 28.162 316.103.171,58 € 619 6.420.553,70 € 1.164 12.713.157,66 € 22.449 262.655.126,57 € 7.496 72.581.756,37 €

Seat Ibiza 803 0,77% 2.474.592,25 € 0,28% 772 2.330.800 4 15.812,12 € 27 127.979,87 € 648 2.133.635,97 € 155 340.956,28 €

Altea 120 0,12% 721.387,00 € 0,08% 114 680.294 3 16.140,03 € 3 24.953,18 € 106 646.758,57 € 14 74.628,43 €

Leon 1.569 1,50% 8.676.712,83 € 0,99% 1.529 8.421.276 6 43.027,19 € 34 212.409,91 € 1.359 7.587.279,24 € 210 1.089.433,59 €

Alhambra 741 0,71% 6.070.794,17 € 0,69% 719 5.846.740 8 71.323,47 € 14 152.730,30 € 595 4.940.592,89 € 146 1.130.201,28 €

Cordoba 0 0,00% 0,00 € 0,00% 0 0 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 €

Exeo 125 0,12% 613.223,59 € 0,07% 110 509.223 3 22.544,16 € 12 81.456,45 € 84 404.730,36 € 41 208.493,23 €

Mii 829 0,79% 1.686.756,59 € 0,19% 809 1.620.966 0 0,00 € 20 65.790,50 € 715 1.458.078,34 € 114 228.678,25 €

Arosa 0 0,00% 0,00 € 0,00% 0 0 0 0,00 € 0 0,00 € 0 0,00 € 0 0,00 €

Toledo 14 0,01% 71.789,57 € 0,01% 13 63.940 0 0,00 € 1 7.849,82 € 12 63.533,90 € 2 8.255,67 €

Sub-Total Seat 4.201 4,03% 20.315.256,00 € 2,32% 4.066 19.473.239 24 168.847 111 673.170 3.519 17.234.609,27 € 682 3.080.646,73 €

Skoda Fabia 1.024 0,98% 4.016.330,01 € 0,46% 991 3.895.775 5 16.305,68 € 28 104.248,89 € 832 3.268.990,61 € 192 747.339,40 €

Octavia 6.362 6,10% 43.372.188,64 € 4,95% 6.267 42.698.758 13 73.664,76 € 82 599.766,12 € 4.810 32.905.884,09 € 1.552 10.466.304,55 €

Roomster 660 0,63% 2.919.212,95 € 0,33% 640 2.828.420 4 18.557,03 € 16 72.235,93 € 545 2.385.844,91 € 115 533.368,04 €

Superb 2.482 2,38% 20.528.114,83 € 2,34% 2.450 20.275.479 7 52.389,30 € 25 200.246,19 € 1.902 15.829.527,98 € 580 4.698.586,85 €

Yeti 673 0,65% 4.649.927,39 € 0,53% 650 4.501.023 5 24.785,01 € 18 124.119,10 € 602 4.166.041,16 € 71 483.886,23 €

Citygo 899 0,86% 2.157.570,22 € 0,25% 872 2.079.642 2 7.053,34 € 25 70.875,10 € 745 1.731.181,52 € 154 426.388,70 €

Rapid 366 0,35% 1.946.311,10 € 0,22% 350 1.864.202 2 12.375,38 € 14 69.734,07 € 289 1.539.001,70 € 77 407.309,40 €

Sub-Total Skoda 12.466 11,95% 79.589.655,14 € 9,09% 12.220 78.143.299,24 € 38 205.130,50 € 208 1.241.225,40 € 9.725 61.826.471,97 € 2.741 17.763.183,17 €

Other brands 167 0,16% 2.116.354,86 € 0,24% 112 1.416.592,71 € 47 628.523,51 € 8 71.238,64 € 105 1.342.786,38 € 62 773.568,48 €

Total 104.322 100,00% 875.888.699,54 € 100,00% 99.882 835.578.782,49 € 1.994 17.417.612,28 € 2.446 22.892.304,77 € 77.052 666.162.821,07 € 27.270 209.725.878,47 €0 0,00 € 0 0,00 €






Index

Pool data VI

Contract typeNumber of

contracts

Percentage of

contracts

Outstanding

discounted

balance

Percentage of

outstanding

discounted balance

Number of contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balanceClosed end contract 102.976 98,71% 865.148.323,33 € 98,77% 98.852 827.556.969,28 € 1.822 15.765.890,99 € 2.302 21.825.463,06 € 75.755 655.756.440,54 € 27.221 209.391.882,79 €

Open end lease contract 1.346 1,29% 10.740.376,21 € 1,23% 1.030 8.021.813,21 € 172 1.651.721,29 € 144 1.066.841,71 € 1.297 10.406.380,53 € 49 333.995,68 €

Total 104.322 100,00% 875.888.699,54 € 100,00% 99.882 835.578.782,49 € 1.994 17.417.612,28 € 2.446 22.892.304,77 € 77.052 666.162.821,07 € 27.270 209.725.878,47 €

Type of carNumber of

contracts

Percentage of

contracts

Outstanding

discounted

balance

Percentage of

outstanding

discounted balance

Number of contracts

Outstanding

discounted

balance

Number of

contracts

Outstanding

discounted

balanceNew vehicles 99.882 95,74% 835.578.782,49 € 95,40% 72.869 627.546.822,81 € 27.013 208.031.959,68 €

Used vehicles 1.994 1,91% 17.417.612,28 € 1,99% 1.848 16.510.928,15 € 146 906.684,13 €

Demonstration vehicles 2.446 2,34% 22.892.304,77 € 2,61% 2.335 22.105.070,11 € 111 787.234,66 €

Total 104.322 100,00% 875.888.699,54 € 100,00% 77.052 666.162.821,07 € 27.270 209.725.878,47 €

Customer typeNumber of

contracts

Percentage of

contracts

Outstanding

discounted

balance

Percentage of

outstanding

discounted balanceRetail 77.052 73,86% 666.162.821,07 € 76,06%

Corporate 27.270 26,14% 209.725.878,47 € 23,94%

Total 104.322 100,00% 875.888.699,54 € 100,00%

Total portfolioCustomer type

Retail Corporate

Total portfolio


New vehicle Used vehicle Demonstration vehicles Retail Corporate


Date post:	15-Dec-2020
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