2014-12 GE SCF Investor Report (PDF, 158KB)

GE SCF
Investor Report as of December 2014
COLLATERAL DESCRIPTION asset report end of December 2014
Overview data
December 31st, 2014
Total Outstanding Current Balance in €
1,537,242,117
Number of loans
21,935
Number of borrowers
19,695
Average Loan Balance in €
70,082
Seasoning in months
96
Remaining terms in months
144
% of variable mortgages
92.25 %
Weighted Average Current LTV
56.68 %
Weighted Average Current indexed LTV
52.16 %
Portfolio breakdowns
1. Unindexed LTV Ranges Distribution
December 31st, 2014
Total Loan Balance in Mln € Number of Loans
Unindexed LTV ranges 0-<=40%
364
10,126
>40%-<=50%
188
2,293
>50%-<=60%
210
2,111
>60%-<=70%
267
2,372
>70%-<=80%
354
3,273
>80%-<=85%
106
1,193
>85%-<=90%
32
359
>90%-<=95%
11
142
>95%-<=100%
4
48
>100%-<=105%
1
13
>105%-<=110%
1
5
1,537
21,935
Total
2. Current Arrears Ranges Distribution
December 31st, 2014
Total Loan Balance in Mln € Number of Loans
Number of months in arrears 0
1,463
20,894
>0-<=1
24
341
>1-<=2
7
112
>2-<=3
4
60
>3
Total
5 févr. 15
38
528
1,537
21,935
-1-
18:10:07
GE SCF
Investor Report as of December 2014
3. Seasoning
Total
December 31st, 2014
Total Loan Balance in Mln €
Seasoning (in
months)
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%
>=24-<36
8
6
8
10
9
>=36-<60
35
20
25
46
14
2
4
3
1
322
162
177
211
331
103
28
8
3
1
1 1,347
364
188
210
267
354
106
32
11
4
1
1 1,537
>=60
Total
41
149
4. Loan Purpose
Total
December 31st, 2014
Total Loan Balance in Mln €
Loan
purpose
Purchase
Construction
Refinance
Unindexed LTV ranges
0<=40%
>50%<=60%
>60%<=70%
>70%<=80%
>80%<=85%
>85%<=90%
>90%<=95%
>95%<=100%
>100%<=105%
>105%<=110%
149
87
91
95
182
50
16
9
3
1
1
683
42
19
25
65
145
55
15
2
1
0
0
370
171
82
94
107
27
1
0
0
0
210
267
Renovation
2
Other / No data
0
Total
>40%<=50%
482
2
0
364
188
354
106
32
11
4
1
1 1,537
5. Occupancy Type
Total
December 31st, 2014
Total Loan Balance in Mln €
Occupancy
type
Owner occupied
Buy to Let
Vacation / Second Home
Refinance
Total
5 févr. 15
Unindexed LTV ranges
0>40%<=40% <=50%
>50%<=60%
>60%<=70%
>70%<=80%
>80%<=85%
>85%<=90%
>90%<=95%
>95%<=100%
>100%<=105%
151
68
75
81
136
58
22
9
3
17
16
21
50
129
42
9
2
1
24
22
20
29
62
6
1
171
82
94
107
27
1
0
364
188
210
267
354
106
32
-2-
>105%<=110%
1
0
605
0
286
0
1
164
1
1 1,537
482
11
4
18:10:07
GE SCF
Investor Report as of December 2014
6. Borrower Type
Total
December 31st, 2014
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%
>85%<=90%
>90%<=95%
>95%<=100%
>100%<=105%
>105%<=110%
213
121
149
184
240
77
25
8
3
Protected Life Time Employment
55
27
32
39
53
18
5
2
1
Retired
46
13
7
6
2
0
25
22
38
59
11
1
0
0
0
1
106
32
11
4
1
1 1,537
Unemployed
0
Self Employed
49
Other / No data
Total
1
0 1,020
233
75
0
1
1
0
0
0
364
188
210
267
354
206
3
7. Geographic Distribution
Total
December 31st, 2014
Total Loan Balance in Mln €
Region Alsace
>40%<=50%
>50%<=60%
>60%<=70%
>70%<=80%
>80%<=85%
>85%<=90%
>90%<=95%
2
1
2
3
1
0
1
14
8
9
11
23
8
1
Auvergne
2
2
2
4
4
0
Basse-Normandie
5
3
3
4
4
2
1
>95%<=100%
>100%<=105%
>105%<=110%
10
0
0
0
75
14
21
4
2
4
4
3
1
0
11
5
6
8
6
2
0
0
Centre
8
5
7
8
7
2
1
0
37
Champagne-Ardennes
2
2
2
3
2
0
0
0
0
11
DOM
4
3
3
12
12
3
1
0
Franche-Comté
2
1
2
3
2
1
0
11
5
5
6
9
3
1
0
0
105
50
63
64
86
30
11
3
2
21
10
8
14
21
6
2
0
0
Limousin
2
1
2
2
4
1
Lorraine
6
3
4
6
5
2
0
1
Midi Pyrénéees
15
6
9
15
20
5
2
1
0
Nord Pas de Calais
24
14
15
21
26
13
4
2
1
Pays de Loire
13
6
7
9
7
3
1
0
0
Picardie
9
4
7
8
9
3
2
1
Poitou Charentes
6
3
4
5
6
1
0
0
69
36
34
40
70
14
4
1
0
Bretagne
Haute-Normandie
Ile de France
Languedoc-Roussillon
Provence Alpes Cote Azur
Rhone-Alpes
5 févr. 15
0<=40%
Aquitaine
Bourgogne
Total
Unindexed LTV ranges
18
0
37
37
11
40
1
1
415
82
0
12
26
73
0
120
46
43
26
30
17
13
18
29
6
1
0
0
364
188
210
267
354
106
32
11
4
-3-
0
1
0
269
0
115
1 1,537
18:10:07