2015-09 GE SCF Investor Report (PDF, 159KB)

GE SCF
Investor Report as of September 2015
COLLATERAL DESCRIPTION asset report end of September 2015
Overview data
September 30th, 2015
Total Outstanding Current Balance in €
1,326,366,597
Number of loans
19,860
Number of borrowers
17,928
Average Loan Balance in €
66,786
Seasoning in months
104
Remaining terms in months
138
% of variable mortgages
89.65 %
Weighted Average Current LTV
54.63 %
Weighted Average Current indexed LTV
52.68 %
Portfolio breakdowns
1. Unindexed LTV Ranges Distribution
September 30th, 2015
Total Loan Balance in Mln € Number of Loans
Unindexed LTV ranges 0-<=40%
342
9,818
>40%-<=50%
169
1,984
>50%-<=60%
192
2,017
>60%-<=70%
244
2,272
>70%-<=80%
305
2,967
>80%-<=85%
50
526
>85%-<=90%
15
168
>90%-<=95%
5
76
>95%-<=100%
2
18
>100%-<=105%
1
7
>105%-<=110%
1
7
1,326
19,860
Total
2. Current Arrears Ranges Distribution
September 30th, 2015
Total Loan Balance in Mln € Number of Loans
Number of months in arrears 0
1,251
18,703
>0-<=1
23
358
>1-<=2
7
112
>2-<=3
4
48
>3
Total
6 nov. 15
42
639
1,326
19,860
-1-
10:32:19
GE SCF
Investor Report as of September 2015
3. Seasoning
Total
September 30th, 2015
Total Loan Balance in Mln €
Seasoning (in
months)
>=36-<60
>=60
Total
Unindexed LTV ranges
0<=40%
>40%<=50%
>50%<=60%
>60%<=70%
>70%<=80%
>80%<=85%
>85%<=90%
>90%<=95%
>95%<=100%
>100%<=105%
>105%<=110%
29
15
22
36
8
1
0
1
314
155
170
207
297
49
15
5
2
1
1 1,215
112
342
169
192
244
305
50
15
5
2
1
1 1,326
4. Loan Purpose
Total
September 30th, 2015
Total Loan Balance in Mln €
Loan
purpose
Purchase
Construction
Unindexed LTV ranges
0<=40%
>40%<=50%
>50%<=60%
>60%<=70%
>70%<=80%
>80%<=85%
>85%<=90%
>90%<=95%
>105%<=110%
79
79
90
158
24
10
4
1
0
1
587
2
1
0
0
330
41
18
29
74
135
26
5
72
83
80
12
0
0
Renovation
2
0
0
0
Other / No data
0
169
192
244
Total
>100%<=105%
140
160
Refinance
>95%<=100%
408
2
0
342
305
50
15
5
2
1
1 1,326
5. Occupancy Type
Total
September 30th, 2015
Total Loan Balance in Mln €
Occupancy
type
Owner occupied
6 nov. 15
0>40%<=40% <=50%
>50%<=60%
>60%<=70%
>70%<=80%
>80%<=85%
>85%<=90%
>90%<=95%
>95%<=100%
>100%<=105%
139
58
69
77
123
27
11
4
1
Buy to Let
19
16
24
62
114
18
4
2
0
Vacation / Second Home
24
22
15
26
56
5
0
Refinance
Total
Unindexed LTV ranges
160
72
83
80
12
0
0
342
169
192
244
305
50
15
-2-
>105%<=110%
0
0
510
0
259
0
1
150
1
1 1,326
408
5
2
10:32:19
GE SCF
Investor Report as of September 2015
6. Borrower Type
Total
September 30th, 2015
Unindexed LTV ranges
Total Loan Balance in Mln €
Employment
type
0>40%<=40% <=50%
Employed Private Sector
>50%<=60%
>60%<=70%
>70%<=80%
>80%<=85%
202
111
136
166
209
Retired
42
10
6
4
1
Protected Life Time Employment
51
26
29
37
Self Employed
47
22
20
Unemployed
0
Other / No data
1
1
342
169
Total
>85%<=90%
>90%<=95%
>95%<=100%
>100%<=105%
39
11
4
1
45
6
4
1
0
36
50
6
1
0
0
0
0
0
192
244
305
>105%<=110%
0
0
879
63
199
0
1
183
0
3
50
15
5
2
1
1 1,326
7. Geographic Distribution
Total
September 30th, 2015
Total Loan Balance in Mln €
Region Alsace
>40%<=50%
>50%<=60%
>60%<=70%
>70%<=80%
>80%<=85%
>85%<=90%
>90%<=95%
2
1
2
2
1
1
13
6
8
13
21
2
Auvergne
2
1
2
4
3
0
Basse-Normandie
4
3
4
3
4
0
0
>95%<=100%
>100%<=105%
>105%<=110%
9
1
0
66
12
18
3
3
3
3
2
0
0
11
5
5
7
5
0
0
Centre
8
4
6
6
6
1
0
Champagne-Ardennes
2
2
1
3
1
0
DOM
4
3
4
12
8
1
Franche-Comté
2
1
2
3
2
0
Haute-Normandie
10
4
4
7
8
1
Ile de France
99
45
56
57
74
14
5
1
Languedoc-Roussillon
20
9
9
13
17
4
1
0
73
Limousin
2
1
1
3
3
0
0
10
Lorraine
5
3
4
5
4
0
1
0
Midi Pyrénéees
14
6
9
13
18
3
0
1
0
64
Nord Pas de Calais
23
12
16
18
26
5
2
1
0
102
Pays de Loire
12
5
6
7
6
1
1
0
39
Picardie
9
4
5
8
8
2
1
1
37
Poitou Charentes
6
3
4
4
4
0
0
0
62
33
29
37
60
11
2
1
Bretagne
Provence Alpes Cote Azur
Rhone-Alpes
6 nov. 15
0<=40%
Aquitaine
Bourgogne
Total
Unindexed LTV ranges
32
0
32
0
10
1
33
10
0
29
14
12
17
24
3
1
342
169
192
244
305
50
15
-3-
16
0
34
1
0
352
22
23
0
5
1
2
1
0
235
0
99
1 1,326
10:32:19