2013-03 GE SCF Investor Report (PDF, 157KB)

GE SCF
Investor Report as of March 2013
COLLATERAL DESCRIPTION asset report end of March 2013
Overview data
March 31st, 2013
Total Outstanding Current Balance in €
2,321,071,321
Number of loans
29,275
Number of borrowers
25,803
Average Loan Balance in €
79,285
Seasoning in months
76
Remaining terms in months
162
% of variable mortgages
94.33 %
Weighted Average Current LTV
63.12 %
Weighted Average Current indexed LTV
56.58 %
Portfolio breakdowns
1. Unindexed LTV Ranges Distribution
March 31st, 2013
Total Loan Balance in Mln € Number of Loans
Unindexed LTV ranges 0-<=40%
407
10,679
>40%-<=50%
247
3,185
>50%-<=60%
276
2,791
>60%-<=70%
332
2,831
>70%-<=80%
454
3,440
>80%-<=85%
235
2,295
>85%-<=90%
199
2,217
>90%-<=95%
124
1,359
>95%-<=100%
40
381
>100%-<=105%
6
86
>105%-<=110%
1
10
>110%
0
1
2,321
29,275
Total
2. Current Arrears Ranges Distribution
March 31st, 2013
Total Loan Balance in Mln € Number of Loans
Number of months in arrears 0
2,257
28,420
>0-<=1
27
383
>1-<=2
9
110
>2-<=3
>3
Total
19 avr. 13
4
48
25
314
2,321
29,275
-1-
14:37:41
GE SCF
Investor Report as of March 2013
3. Seasoning
Total
March 31st, 2013
Total Loan Balance in Mln €
Seasoning (in
months)
Unindexed LTV ranges
0>40%<=40% <=50%
<12
>50%<=60%
>60%<=70%
>70%<=80%
>80%<=85%
>85%<=90%
4
4
4
5
13
>=12-<24
15
12
12
16
23
1
>=24-<36
18
14
15
22
25
4
>=36-<60
>=60
Total
>90%<=95%
>95%<=100%
>100%<=105%
>105%<=110%
>110%
0
31
1
0
0
3
6
4
3
80
114
59
38
40
61
65
34
41
31
23
2
1
394
310
180
205
228
328
195
155
87
12
1
1
0 1,702
407
247
276
332
454
235
199
124
40
6
1
0 2,321
4. Loan Purpose
Total
March 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%
167
113
137
143
212
102
102
57
28
5
1
47
30
33
50
124
129
96
67
12
1
1
191
104
106
139
118
3
1
0
Renovation
2
0
0
0
Other / No data
0
Construction
Refinance
Total
407
1,067
0
590
662
0
3
0
247
276
332
454
235
199
124
40
6
1
0 2,321
5. Occupancy Type
Total
March 31st, 2013
Total Loan Balance in Mln €
Occupancy
type
Owner occupied
19 avr. 13
0>40%<=40% <=50%
>50%<=60%
>60%<=70%
>70%<=80%
>80%<=85%
>85%<=90%
>90%<=95%
>95%<=100%
>100%<=105%
>105%<=110%
>110%
170
109
117
124
145
108
130
73
32
5
0
Buy to Let
18
16
20
34
115
115
66
51
7
1
1
Vacation / Second Home
27
17
33
35
76
9
2
0
1
191
104
106
139
118
3
1
0
407
247
276
332
454
235
199
124
Refinance
Total
Unindexed LTV ranges
-2-
1,013
0
445
1
202
1
0 2,321
662
40
6
14:37:41
GE SCF
Investor Report as of March 2013
6. Borrower Type
Total
March 31st, 2013
Unindexed LTV ranges
Total Loan Balance in Mln €
0>40%<=40% <=50%
Employment Employed Private Sector
type
Protected Life Time Employment
>50%<=60%
>60%<=70%
>70%<=80%
>80%<=85%
>85%<=90%
>90%<=95%
>95%<=100%
>100%<=105%
>105%<=110%
230
153
188
233
312
160
145
88
30
5
61
42
39
50
62
42
38
27
7
1
Retired
59
19
14
9
8
3
1
1
0
Self Employed
55
32
35
39
71
29
14
8
3
Unemployed
0
Other / No data
1
2
0
0
1
407
247
276
332
454
Total
>110%
1
0 1,545
370
114
0
1
289
0
0
4
235
199
124
40
6
1
0 2,321
7. Geographic Distribution
Total
March 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%
>105%<=110%
>110%
2
2
1
2
4
1
1
1
1
17
10
11
13
20
18
12
11
1
Auvergne
3
2
2
3
4
4
1
0
0
19
Basse-Normandie
5
3
4
5
5
4
2
2
0
30
15
0
0
114
4
3
4
5
6
1
2
1
0
11
7
6
9
9
5
3
2
0
Centre
8
6
6
11
9
4
5
3
1
Champagne-Ardennes
2
1
2
4
5
1
1
0
0
0
DOM
3
2
3
7
25
16
12
5
1
1
Franche-Comté
2
1
2
3
3
1
1
2
11
7
6
8
10
7
9
2
1
0
112
76
84
93
108
65
65
37
15
1
25
13
13
14
27
12
8
3
2
0
Limousin
2
2
1
3
3
4
2
2
Lorraine
7
3
5
6
9
3
1
2
0
0
Midi Pyrénéees
16
8
11
17
19
16
12
8
2
Nord Pas de Calais
26
17
22
26
30
21
26
15
5
2
190
Pays de Loire
15
8
7
11
12
5
3
4
1
0
67
Picardie
10
6
7
10
10
7
7
4
1
0
7
4
4
5
8
3
2
1
0
0
36
83
45
53
52
87
24
16
10
5
1
375
Bretagne
Haute-Normandie
Ile de France
Languedoc-Roussillon
Poitou Charentes
Provence Alpes Cote Azur
Rhone-Alpes
19 avr. 13
0>40%<=40% <=50%
Aquitaine
Bourgogne
Total
Unindexed LTV ranges
26
53
52
17
0
74
16
61
1
656
118
17
35
21
20
25
40
13
10
7
3
407
247
276
332
454
235
199
124
40
-3-
0
38
110
6
0
63
0
173
1
0 2,321
14:37:41