2013-12 GE SCF Investor Report (PDF, 160KB)

GE SCF
Investor Report as of December 2013
COLLATERAL DESCRIPTION asset report end of December 2013
Overview data
December 31st, 2013
Total Outstanding Current Balance in €
2,056,317,464
Number of loans
27,009
Number of borrowers
23,921
Average Loan Balance in €
76,135
Seasoning in months
84
Remaining terms in months
154
% of variable mortgages
93.42 %
Weighted Average Current LTV
61.01 %
Weighted Average Current indexed LTV
55.12 %
Portfolio breakdowns
1. Unindexed LTV Ranges Distribution
December 31st, 2013
Total Loan Balance in Mln € Number of Loans
Unindexed LTV ranges 0-<=40%
400
10,765
>40%-<=50%
216
2,734
>50%-<=60%
256
2,549
>60%-<=70%
320
2,730
>70%-<=80%
446
3,675
>80%-<=85%
201
2,134
>85%-<=90%
151
1,718
>90%-<=95%
47
486
>95%-<=100%
16
186
>100%-<=105%
2
24
>105%-<=110%
1
4
>110%
0
4
2,056
27,009
Total
2. Current Arrears Ranges Distribution
December 31st, 2013
Total Loan Balance in Mln € Number of Loans
Number of months in arrears 0
1,992
26,181
>0-<=1
25
308
>1-<=2
8
107
>2-<=3
>3
Total
6 janv. 14
2
37
29
376
2,056
27,009
-1-
18:24:49
GE SCF
Investor Report as of December 2013
3. Seasoning
Total
December 31st, 2013
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%
>110%
>=12-<24
9
6
8
9
16
>=24-<36
16
12
11
18
16
1
0
0
1
0
76
>=36-<60
41
27
33
53
27
12
17
18
9
0
239
334
172
203
240
387
187
133
29
6
2
1
0 1,694
400
216
256
320
446
201
151
47
16
2
1
0 2,056
>=60
Total
0
>105%<=110%
0
48
4. Loan Purpose
Total
December 31st, 2013
Total Loan Balance in Mln €
Loan
purpose
Purchase
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%
>110%
166
100
123
132
209
94
75
27
12
1
1
0
941
47
25
32
54
168
106
75
20
3
1
0
0
533
185
91
100
134
68
1
1
Renovation
2
0
0
0
0
Other / No data
0
216
256
320
446
Construction
Refinance
Total
400
580
3
0
201
151
47
16
2
1
0 2,056
5. Occupancy Type
Total
December 31st, 2013
Total Loan Balance in Mln €
Occupancy
type
Owner occupied
6 janv. 14
0>40%<=40% <=50%
>50%<=60%
>60%<=70%
>70%<=80%
>80%<=85%
>85%<=90%
>90%<=95%
>95%<=100%
>100%<=105%
>105%<=110%
>110%
170
92
102
117
148
108
93
34
14
1
0
0
880
Buy to Let
19
15
24
36
161
83
56
13
1
1
0
0
410
Vacation / Second Home
26
18
30
32
69
8
2
0
1
185
91
100
134
68
1
1
400
216
256
320
446
201
151
47
16
Refinance
Total
Unindexed LTV ranges
-2-
1
186
1
0 2,056
580
2
18:24:49
GE SCF
Investor Report as of December 2013
6. Borrower Type
Total
December 31st, 2013
Unindexed LTV ranges
Total Loan Balance in Mln €
0>40%<=40% <=50%
Employment Employed Private Sector
type
Self Employed
>50%<=60%
>60%<=70%
>70%<=80%
>80%<=85%
>85%<=90%
>90%<=95%
>95%<=100%
>100%<=105%
>105%<=110%
>110%
230
134
176
225
300
143
110
35
11
2
0
0 1,368
54
29
31
38
74
22
10
2
2
0
1
262
Protected Life Time Employment
61
35
37
48
65
35
31
10
3
0
Retired
54
16
11
8
6
2
0
0
Unemployed
0
Other / No data
1
2
0
0
1
400
216
256
320
446
Total
325
98
0
3
201
151
47
16
2
1
0 2,056
7. Geographic Distribution
Total
December 31st, 2013
Total Loan Balance in Mln €
Region Alsace
>50%<=60%
>60%<=70%
>70%<=80%
>80%<=85%
>85%<=90%
>90%<=95%
>95%<=100%
>100%<=105%
2
2
1
3
4
1
1
1
0
16
10
10
12
25
13
13
2
0
Auvergne
2
2
2
3
6
2
0
0
Basse-Normandie
5
3
4
5
5
2
3
0
0
>105%<=110%
>110%
14
0
102
18
0
27
4
2
4
5
4
1
1
11
6
7
9
9
3
3
Centre
8
5
6
9
8
5
3
1
0
Champagne-Ardennes
3
1
2
4
4
0
0
0
0
0
DOM
4
2
5
8
29
12
5
1
0
0
Franche-Comté
2
1
2
4
2
1
2
1
12
6
5
7
10
8
4
1
0
0
114
65
77
91
102
60
49
16
6
1
24
12
11
16
25
10
4
3
1
Limousin
2
1
1
3
5
3
1
0
Lorraine
6
4
3
6
8
1
2
0
0
Midi Pyrénéees
16
8
10
15
25
13
9
2
1
Nord Pas de Calais
26
16
19
26
31
20
20
5
3
Pays de Loire
15
6
9
10
10
4
4
1
0
Picardie
10
6
7
9
10
8
4
3
7
4
5
6
7
3
1
0
0
0
32
78
37
48
46
82
20
13
5
1
0
330
Bretagne
Haute-Normandie
Ile de France
Languedoc-Roussillon
Poitou Charentes
Provence Alpes Cote Azur
Rhone-Alpes
6 janv. 14
0>40%<=40% <=50%
Aquitaine
Bourgogne
Total
Unindexed LTV ranges
0
47
47
15
0
68
14
53
1
582
106
16
32
98
0
166
59
0
35
20
16
25
35
11
8
2
1
400
216
256
320
446
201
151
47
16
-3-
22
0
2
56
0
153
1
0 2,056
18:24:49