SC Germany Consumer Monthly Investor Report

Transcription

1 SC Germany Consumer Monthly Investor Report

2 Cover Sheet Monthly Investor Report Monthly Period Okt 2018 Index Page 1. Portfolio Information 1 2. Reserve Accounts 2 3. Performance Data 3 4. Concentration Limits 4 5. Outstanding Notes 5 6. Original Principal Balance Original PB (Graph) 7 7. Current Principal Balance Current PB (Graph) 9 8. Borrower Concentration Geographical Distribution Geographical (Graph) Collateral Insurances Payment Methods Effective Interest Rate Effective Interest Rate (Graph) Seasoning Seasoning (Graph) Remaining Term Remaining Term (Graph) Original Term Original Term (Graph) Loan Concentration Priority of Payments + Transaction Costs Swap Counterparty Data Retention Conterparties Issuer Information Santander Consumer Bank 30

3 1. Portfolio Information Monthly Period Okt 2018 current period previous period Outstanding Receivables No. of Contracts Aggregate Outstanding Principal Amount Aggregate Outstanding Principal Amount Beginning of Period , ,28 Scheduled Principal Payments ,74 Prepayment Principal ,93 Total Principal Collections , ,38 Total Interest Collections , ,89 Defaults , ,32 Replenishment Amount - - End of Period , ,58 Purchase Shortfall Amount 60,70 52,34 Total Assets (End of Period) , ,92 Current Prepayment Rate (annualised) 23,9%

4 2. Reserve Accounts Monthly Period Okt 2018 Note Balance Beginning of Period ,92 End of Period ,72 Reserve Accounts Liquidity Reserve in % Trigger Event y/n Beginning of Period 0,5% ,45 Cash Outflow - Cash Inflow ,17 End of Period 0,5% ,28 Required Liquidity Reserve Fund 0,5% ,28 Commingling Reserve in % Beginning of Period n/a no Cash Outflow n/a Cash Inflow n/a End of Period n/a Required Commingling Reserve Fund n/a Set-Off Reserve in % Beginning of Period n/a no Cash Outflow n/a Cash Inflow n/a End of Period n/a Required Set-Off Reserve Fund n/a Current Set-Off Amount Set-Off Amount (per Loan) Set-Off Amount (in % of Outstanding Balance) n/a n/a n/a

5 3. Performance Data Monthly Period Okt 2018 Note Balance Beginning of Period ,92 End of Period ,72 Delinquency Data and Ratios 3-MRA* / current ratio Amount at risk Overdue amount Number of Loans 3-MRA* days past due 0,78% days past due period before previous period , , days past due previous period , , days past due current period 0,73% , , MRA* days past due 0,39% days past due period before previous period , , days past due previous period , , days past due current period 0,38% , , MRA* days past due 0,20% days past due period before previous period , , days past due previous period , , days past due current period 0,17% , ,22 79 Default Data and Ratios Amount Number of Loans Current Default Current Period Gross Default ,89 Current Period Recoveries ,03 Current Period Net Default ,86 New Number of Defaulted Contracts 68 Cumulative Default Cumulative Gross Default ,89 Cumulative Recoveries ,10 Cumulative Net Default ,79 Total Number of Defaulted Contracts MRA* / current ratio Ratio 3-MRA* Annualised Loss Ratio (Neue Rechtsakten) 2,42% Annualised Loss Ratio period before previous period 2,75% Annualised Loss Ratio previous period 2,39% Annualised Loss Ratio current period 2,12% 2,12% Principial Deficiency Principial Deficiency period before previous period - Principial Deficiency previous period - Principial Deficiency current period - * 3-MRA stands for three months rolling average

6 4. Concentration Limits Monthly Period Okt 2018 Current Transaction Status Amortizing Portfolio Concentrations Minimum-Trigger Maximum-Trigger Current Value Trigger Breach Average Yield (applicable for Total Portfolio) 6,20% - - no Remaining Term (applicable for Total Portfolio) - 68,50 - no Early Amortisation Events Maximum-Trigger Current Value Trigger Breach Cumulative Loss Ratio - prior to 30 September ,80% - no Purchase Shortfall Event - no Period before previous period Previous period Current period - Principal Deficiency Event - no

7 5. Outstanding Notes Monthly Period Okt Note Balance All notes Class A Class B Class C Class D Class E General Note Information ISIN Code XS XS XS XS XS Currency EUR EUR EUR EUR EUR Initial Tranching in % 84,8% 5,8% 3,8% 1,5% 4,2% Legal Maturity Sep 2029 Sep 2029 Sep 2029 Sep 2029 Sep 2029 Expected Maturity Okt 2020 Apr 2021 Apr 2021 Apr 2021 Apr 2021 Original Rating (DBRS / S&P) AA (sf) / AA (sf) A (sf) / A (sf) BBB (sf) / BBB(sf) BB (sf) / BB (sf) Not rated Current Rating (DBRS / S&P)* AAA (sf) / AA (sf) A (high) (sf) / A (sf) A (sf) / BBB(sf) BBB (low) (sf) / BB (sf) Not rated Initial Notes Aggregate Principal Outstanding Balance , , , , , ,00 Initial Nominal per Note , , , , ,00 Initial Number of Notes per Class Current Note Information Class Principal Outstanding Balance Beginning of Period , , , , , ,00 Available Distribution Amount ,51 Replenishment 0,00 Amortisation ,20 Redemption per Class , ,20 0,00 0,00 0,00 0,00 Redemption per Note 3.098,40 0,00 0,00 0,00 0,00 Class Principal Outstanding Balance End of Period , , , , , ,00 Current Tranching 70,1% 11,3% 7,4% 3,0% 8,3% Current Pool Factor 0,42 1,00 1,00 1,00 1,00 2. Payments to Investors per Note All notes Class A Class B Class C Class D Class E Interest Rate Basis: 1 M-Euribor / Fixed / Floating -0,372% 0,150% 0,650% 1,000% +500 bps +945 bps DayCount Convention 32 act/360 act/360 act/360 act/360 act/360 Interest Days Principal Outstanding per Note Beginning of Period , , , , ,00 > Principal Repayment per Note 3.098,40 0,00 0,00 0,00 0,00 Principal Outstanding per Note End of Period , , , , ,00 > Interest accrued for the period , , , , ,95 Interest Payment , , , , ,95 Interest Payment per Note 6,02 57,78 88,89 411,38 806,93 3. Credit Enhancements Class A Class B Class C Class D Class E Initial total CE (Subordination, Reserve) 15,23% 9,47% 5,71% 4,20% 0,00% Current CE (incl. Excess Spread) 35,42% 24,10% 16,71% 13,75% 5,50% Current CE (excl. Excess Spread) 29,92% 18,60% 11,21% 8,25% 0,00% * Last rating action as of

8 6. Original Principal Balance Monthly Period Okt 2018 Original Principal Balance (Ranges in EUR) Original Principal Balance in EUR Percentage of Total Balance Number of Loans Loans 0: ,56 0,75% ,49% 2000: ,80 4,73% ,40% 4000: ,57 6,77% ,67% 6000: ,87 5,10% ,01% 8000: ,10 4,66% ,34% 10000: ,79 7,15% ,05% 12000: ,84 5,27% ,95% 14000: ,02 4,23% ,40% 16000: ,29 4,24% ,00% 18000: ,75 4,04% ,56% 20000: ,85 4,09% ,34% 22000: ,03 4,09% ,14% 24000: ,71 4,08% ,97% 26000: ,15 4,05% 982 1,80% 28000: ,68 3,96% 894 1,64% 30000: ,39 3,22% 682 1,25% 32000: ,72 2,95% 585 1,07% 34000: ,21 2,70% 506 0,93% 36000: ,56 2,43% 430 0,79% 38000: ,78 2,25% 379 0,70% 40000: ,76 2,11% 337 0,62% 42000: ,31 1,88% 287 0,53% 44000: ,67 1,58% 230 0,42% 46000: ,04 1,58% 220 0,40% 48000: ,18 1,64% 219 0,40% 50000: ,37 1,37% 176 0,32% 52000: ,27 1,43% 177 0,32% 54000: ,64 1,28% 152 0,28% 56000: ,80 1,03% 118 0,22% 58000: ,85 1,03% 115 0,21% 60000: ,12 0,89% 96 0,18% 62000: ,37 0,73% 76 0,14% 64000: ,77 0,50% 50 0,09% 66000: ,06 0,44% 43 0,08% 68000: ,00 0,42% 40 0,07% 70000: ,26 0,28% 26 0,05% 72000: ,09 0,25% 22 0,04% 74000: ,70 0,19% 17 0,03% 76000: ,97 0,08% 7 0,01% 78000: ,88 0,16% 13 0,02% 80000: ,39 0,04% 3 0,01% 82000: ,20 0,05% 4 0,01% 84000: ,73 0,10% 8 0,01% 86000: ,34 0,05% 4 0,01% 88000: ,74 0,01% 1 0,00% 90000: ,47 0,01% 1 0,00% 92000: ,13 0,03% 2 0,00% 98000: ,28 0,03% 2 0,00% : ,72 0,05% 3 0,01% Total ,78 100,00% ,00% Statistics in EUR Average Amount ,33

9 Original Principal Balance SC Germany Consumer Reporting Date Original PB (Graph) Monthly Period Okt

10 7. Current Principal Balance Monthly Period Okt 2018 Current Principal Balance (Ranges in Current Principal EUR) Balance in EUR Balance Number of Loans Loans 0: ,16 4,11% ,97% 2000: ,83 6,56% ,68% 4000: ,39 6,89% ,79% 6000: ,14 7,47% ,54% 8000: ,25 6,63% ,20% 10000: ,90 6,10% ,89% 12000: ,38 5,91% ,19% 14000: ,36 6,03% ,82% 16000: ,64 6,08% ,50% 18000: ,36 5,90% ,18% 20000: ,05 5,11% 931 1,71% 22000: ,39 4,57% 759 1,39% 24000: ,00 4,10% 626 1,15% 26000: ,88 3,85% 545 1,00% 28000: ,59 2,87% 378 0,69% 30000: ,25 2,87% 353 0,65% 32000: ,79 2,22% 258 0,47% 34000: ,10 2,51% 274 0,50% 36000: ,59 1,81% 187 0,34% 38000: ,78 1,93% 189 0,35% 40000: ,90 1,44% 134 0,25% 42000: ,55 1,31% 116 0,21% 44000: ,49 0,73% 62 0,11% 46000: ,39 0,82% 67 0,12% 48000: ,70 0,62% 48 0,09% 50000: ,81 0,59% 44 0,08% 52000: ,21 0,28% 20 0,04% 54000: ,28 0,24% 17 0,03% 56000: ,51 0,10% 7 0,01% 58000: ,46 0,12% 8 0,01% 60000: ,28 0,08% 5 0,01% 62000: ,42 0,07% 4 0,01% 64000: ,39 0,02% 1 0,00% 70000: ,18 0,04% 2 0,00% 76000: ,62 0,02% 1 0,00% Total ,02 100,00% ,00% Statistics in EUR Average Amount 7.002,42

11 Current Principal Balance SC Germany Consumer Reporting Date Current PB (Graph) Monthly Period Okt

12 8. Borrower Concentration Monthly Period Okt 2018 No Current Principal Balance in EUR Balance Number of Loans ,62 0,0201% ,57 0,0187% ,61 0,0185% ,39 0,0171% ,03 0,0167% ,47 0,0166% ,23 0,0165% ,69 0,0164% ,62 0,0162% ,87 0,0160% ,73 0,0160% ,81 0,0159% ,25 0,0158% ,26 0,0155% ,80 0,0155% ,77 0,0154% ,15 0,0153% ,61 0,0153% ,20 0,0152% ,60 0,0152% ,07 0,0152% ,27 0,0151% ,52 0,0150% ,60 0,0150% ,70 0,0149% ,44 0,4030% 25

13 9. Geographical Distribution Monthly Period Okt 2018 State Current Principal Balance in EUR Balance Number of Loans Loans Baden-Württemberg ,67 11,41% ,58% Bayern ,16 10,99% ,98% Berlin ,40 4,62% ,74% Brandenburg ,82 4,44% ,67% Bremen ,93 0,76% 388 0,71% Hamburg ,22 1,69% 967 1,77% Hessen ,74 7,04% ,92% Mecklenburg-Vorpomm ,33 3,70% ,36% Niedersachsen ,04 10,03% ,81% Nordrhein-Westfalen ,58 22,10% ,38% Rheinland-Pfalz ,02 5,03% ,92% Saarland ,21 1,28% 648 1,19% Sachsen ,53 5,28% ,58% Sachsen-Anhalt ,13 4,68% ,25% Schleswig-Holstein ,69 3,24% ,48% Thüringen ,22 3,60% ,58% n/a ,33 0,10% 48 0,09% Total ,02 100,00% ,00%

14 Current Principal Balance SC Germany Consumer Reporting Date Geographical Distribution (Graph) Monthly Period Okt

15 10. Collateral Monthly Period Okt 2018 Collateral Current Principal Balance in EUR Balance Number of Loans Loans secured ,23 23,80% ,38% unsecured ,79 76,20% ,62% Total ,02 100,00% ,00%

16 11. Insurances Monthly Period Okt 2018 Payment Protection Insurance Current Principal Balance in EUR Balance Number of Loans Loans No ,86 17,65% ,01% Yes ,16 82,35% ,99% Total ,02 100,00% ,00%

17 12. Payment Methods Monthly Period Okt 2018 Payment Method Current Principal Balance in EUR Balance Number of Loans Loans Direct Debit ,91 95,37% ,19% Other ,11 4,63% ,81% Total ,02 100,00% ,00% Cycle of Payment Current Principal Balance in EUR Balance Number of Loans Loans 15th of month ,16 28,74% ,42% 1st of month ,86 71,26% ,58% Total ,02 100,00% ,00%

18 13. Effective Interest Rate Monthly Period Okt 2018 Yield Range * Current Principal Balance in EUR Balance Number of Loans Loans 0: ,62 0,15% ,80% 1: ,10 0,74% ,21% 2: ,08 1,84% ,20% 3: ,12 14,78% ,17% 4: ,02 11,16% ,97% 5: ,76 14,33% ,05% 6: ,45 12,55% ,67% 7: ,82 24,16% ,34% 8: ,28 12,34% ,64% 9: ,35 7,12% ,14% 10: ,86 0,70% 351 0,64% 11: ,48 0,10% 58 0,11% 12: ,28 0,04% 28 0,05% 13: ,58 0,00% 4 0,01% 14: ,22 0,00% 1 0,00% Total ,02 100,00% ,00% Statistics in % WA Interest 6,63% * runs from.00 to.99

19 Current Principal Balance SC Germany Consumer Reporting Date Effective Interest Rate (Graph) Monthly Period Okt : 0 1: 1 2: 2 3: 3 4: 4 5: 5 6: 6 7: 7 8: 8 9: 9 10:10 11:11 12:12 13:13 14:14 Yield Range * * runs from.00 to.99

20 14. Seasoning Monthly Period Okt 2018 Seasoning in Months Current Principal Balance in EUR Balance Number of Loans Loans 15: ,81 1,21% 685 1,26% 18: ,99 6,48% ,13% 21: ,15 8,19% ,14% 24: ,66 12,99% ,25% 27: ,15 24,25% ,40% 30: ,83 23,07% ,73% 33: ,09 10,15% ,68% 36: ,84 5,51% ,82% 39: ,13 2,23% ,84% 42: ,88 1,91% 941 1,73% 45: ,09 1,31% 705 1,29% 48: ,39 1,47% 819 1,50% 51: ,49 0,75% 355 0,65% 54: ,24 0,13% 51 0,09% 57: ,95 0,06% 32 0,06% 60: ,76 0,09% 68 0,12% 63: ,78 0,01% 5 0,01% 66: ,77 0,04% 16 0,03% 69: ,27 0,02% 14 0,03% 72: ,82 0,03% 20 0,04% 75: ,96 0,02% 17 0,03% 78: ,27 0,01% 17 0,03% 81: ,70 0,08% 82 0,15% Total ,02 100,00% ,00% Statistics WA Seasoning 29,69

21 Current Principal Balance SC Germany Consumer Reporting Date Seasoning (Graph) Monthly Period Okt :17 18:20 21:23 24:26 27:29 30:32 33:35 36:38 39:41 42:44 45:47 48:50 51:53 54:56 57:59 60:62 63:65 66:68 69:71 72:74 75:77 78:80 81: Seasoning in Months

22 15. Remaining Term Monthly Period Okt 2018 Remaining Term in Months Current Principal Balance in EUR Balance Number of Loans Loans 0: ,15 0,68% ,83% 7: ,14 2,76% ,01% 14: ,88 4,13% ,32% 21: ,75 5,46% ,24% 28: ,01 8,37% ,17% 35: ,50 9,29% ,12% 42: ,49 11,60% ,07% 49: ,08 12,79% ,90% 56: ,51 13,86% ,18% 63: ,87 17,97% ,88% 70: ,61 10,09% ,14% 77: ,16 2,85% 586 1,08% 84: ,26 0,10% 19 0,03% 91: ,30 0,04% 4 0,01% 98: ,31 0,01% 2 0,00% Total ,02 100,00% ,00% Statistics WA Remaining Term 50,14

23 Current Principal Balance SC Germany Consumer Reporting Date Remaining Term (Graph) Monthly Period Okt : 6 7: 13 14: 20 21: 27 28: 34 35: 41 42: 48 49: 55 56: 62 63: 69 70: 76 77: 83 84: 90 91: 97 98:104 Remaining Term in Months

24 16. Original Term Monthly Period Okt 2018 Original Term in Months Current Principal Balance in EUR Balance Number of Loans Loans 0: ,86 0,00% 89 0,16% 21: ,06 0,16% ,95% 28: ,64 0,17% 730 1,34% 35: ,47 3,66% ,62% 42: ,14 1,15% ,48% 49: ,17 6,24% ,04% 56: ,90 11,15% ,31% 63: ,31 4,39% ,66% 70: ,14 13,34% ,72% 77: ,44 5,58% ,24% 84: ,96 18,54% ,92% 91: ,33 18,05% ,32% 98: ,09 16,32% ,79% 105: ,08 1,04% 210 0,39% 112: ,68 0,11% 23 0,04% 119: ,75 0,03% 5 0,01% 121: ,00 0,06% 11 0,02% Total ,02 100,00% ,00% Statistics WA Original Term 79,83

25 Current Principal Balance SC Germany Consumer Reporting Date Original Term (Graph) Monthly Period Okt : 20 21: 27 28: 34 35: 41 42: 48 49: 55 56: 62 63: 69 70: 76 77: 83 84: 90 91: 97 98: : : : : Original Term in Months

26 17. Loan Concentration Monthly Period Okt 2018 Loan Concentration Current Principal Balance in EUR Percentage of Total Balance Number of Loans Loans Number of Debtors Debtors 1: ,22 99,33% ,76% ,92% 2: ,51 0,63% ,95% 531 0,99% 3: ,05 0,04% 129 0,24% 43 0,08% 4: ,54 0,00% 20 0,04% 5 0,01% 5: ,70 0,00% 10 0,02% 2 0,00% Total ,02 100,00% ,00% ,00%

27 18. Priority of Payments + Transaction Costs Monthly Period Okt 2018 Priority of Payments Available Distribution Amount ,51 Senior Expenses - - Net Swap Payments ,13 Interest Notes Class A ,16 Interest Notes Class B ,96 Interest Notes Class C ,98 Interest Notes Class D ,94 Interest Notes Class E ,95 Replenishment - - Payments to Purchase Shortfall Account - 60,70 Principal Payments Class A ,20 Principal Payments Class B - - Principal Payments Class C - - Principal Payments Class D - - Principal Payments Class E - - Payments to Commingling Reserve Ledger - n/a Payments to Set-Off Reserve Ledger - n/a Payments to Seller = ,75 Transaction Costs All notes Class A Class B Class C Class D Class E Senior Expenses - Interest accrued for the Period , , , , , ,95 Cumulative Interest accrued , , , , , ,30 Interest Payments , , , , , ,95 Cumulative Interest Payments , , , , , ,30 Unpaid Interest for the Period - Cumulative Unpaid Interest -

28 19. Swap Counterparty Monthly Period Okt 2018 Swap Counterparty Swap Counterparty Swap Rating Trigger Breach Banco Santander S.A., London Branch no Rating Trigger & Current Ratings 1st Rating Trigger Consequenses Long Term DBRS Short Term Outlook Long Term S & P Short Term Outlook Collateral, Guarantee or Replacement BBB - BB - no Current Counterparty Ratings AH R-1M STABLE A A-1 STABLE Trigger breach Current Swap Data Swap Counterparty Details Counterparty Replacement Swap Type Fixed Floating Interest Rate Swap Banco Santander S.A., London Branch Old Counterparty Abbey National Treasury Services plc Notional Amount ,66 FI Structuring Current Counterparty Banco Santander S.A., London Branch Fixed Rate -0,4200% 2 Triton Square Floating Rate (Euribor) -0,3720% Regent's Place Net Swap Payments 1.826,13 London, NW1 3AN Notional Amount next period ,30 United Kingdom Ratings as of , data source: Bloomberg

29 20. Retention Monthly Period Okt 2018 confirms its compliance to have continuously retained a net economic interest in the SC Germany Consumer securitisation transaction of at least 5% of the securitised Purchased Receivables pursuant to Art. 405 of the CRR (Regulation (EU) No 575/2013 of the European Parliament and of the Council of 26 June 2013) by retaining no less than 5 % of the nominal value of each of the tranches sold or transferred to the investors. Outstanding Balance of the Class A Notes as of the Offer Date: ,00 Outstanding Balance of the retained Class A Notes as of the Offer Date: ,00 Outstanding Balance of the Class A Notes as of the end of the Monthly Period: ,72 Outstanding Balance of the retained Class A Notes of the end of the Monthly Period: ,72 Outstanding Balance of the Class B Notes as of the Offer Date: ,00 Outstanding Balance of the retained Class B Notes as of the Offer Date: ,00 Outstanding Balance of the Class B Notes as of the end of the Monthly Period: ,00 Outstanding Balance of the retained Class B Notes of the end of the Monthly Period: ,00 Outstanding Balance of the Class C Notes as of the Offer Date: ,00 Outstanding Balance of the retained Class C Notes as of the Offer Date: ,00 Outstanding Balance of the Class C Notes as of the end of the Monthly Period: ,00 Outstanding Balance of the retained Class C Notes of the end of the Monthly Period: ,00 Outstanding Balance of the Class D Notes as of the Offer Date: ,00 Outstanding Balance of the retained Class D Notes as of the Offer Date: ,00 Outstanding Balance of the Class D Notes as of the end of the Monthly Period: ,00 Outstanding Balance of the retained Class D Notes of the end of the Monthly Period: ,00 Outstanding Balance of the Class E Notes as of the Offer Date: Outstanding Balance of the retained Class E Notes as of the Offer Date: , ,00 Outstanding Balance of the Class E Notes as of the end of the Monthly Period: ,00 Outstanding Balance of the retained Class E Notes of the end of the Monthly Period: ,00

30 Period No 21. Counterparties Monthly Period Okt 2018 Interest Period Collection Period 25 from to = 32 days from to DBRS S & P Long Term Short Term Outlook Long Term Short Term Outlook Counterparty status Join Lead Managers: UniCredit Bank AG BBB+ A-2 DEVELOP performing Arabellastraße München Germany Banco Santander S.A. AH R-1M STABLE A A-1 STABLE performing Santander Global Banking and Markets 2 Triton Square Regent's Place London NW1 3AN United Kingdom Paying Agent: Bank of New York Mellon AA R-1H STABLE AA- A-1+ STABLE performing Corporate Trust Administration One Canada Square London E14 5AL England Transaction Account: Bank of New York Mellon AA R-1H STABLE AA- A-1+ STABLE performing Messeturm Friedrich-Ebert-Anlage Frankfurt am Main Germany Transaction Security Trustee: Wilmington Trust (London) Limited performing Third Floor, 1 King's Arms Yard London EC2R 7AF United Kingdom Data Trustee: Wilmington Trust (London) Limited performing Third Floor, 1 King's Arms Yard London EC2R 7AF United Kingdom Rating Agencies: Standard & Poor's Ratings Services DBRS Structured Finance Surveillance Team 20 Canada Square 1 Minster Court E14 5LH London London EC3R 7AA United Kingdom United Kingdom Ratings as of , data source: Bloomberg

31 22. Issuer Information Monthly Period Deal Name: SC Germany Consumer Issuer: Seller of the Receivables: Servicer Name: Reporting Entity: SPV-Administrator: SC Germany Consumer UG (haftungsbeschränkt) The Managing Directors Steinweg Frankfurt am Main Germany fax +49 (0) Capital Markets Germany fax +49 (0) Wilmington Trust SP Services (Frankfurt) GmbH Steinweg Frankfurt am Main Germany fax +49 (0)

32 SC Germany Consumer Reporting Date Monthly Investor Report Payment Date Period No 23. Santander Consumer Bank Monthly Period Okt 2018 Interest Period Collection Period 25 from to = 32 days from to Contact Details Capital Markets Peter René Müller peterrene.mueller@santander.de Ralf Schüring ralf.schuering@santander.de Bastian Menges bastian.menges@santander.de Stefan Zilligen stefan.zilligen@santander.de Tobias Daners tobias.daners@santander.de Team ABS abs_ger@santander.de Ratings Santander DBRS S & P Long Term Short Term Outlook Long Term Short Term Outlook Banco Santander S.A. Santander Consumer Finance S.A. AH R-1M STABLE A A-1 STABLE A- A-2 STABLE A- A-2 STABLE Ratings as of , data source: Bloomberg