SC Germany Vehicles 2013-1 Monthly Investor Report
Cover Sheet Monthly Investor Report Monthly Period Nov 2018 Index Page 1. Portfolio Information 1 2. Reserve Accounts 2 3. Delinquency Data 3 4. Default Data 4 5. Concentration Limits 5 6. Outstanding Notes 6 7. Original Principal Balance 7 7.1 Original PB (Graph) 8 8. Current Principal Balance 9 8.1 Current PB (Graph) 10 9. Borrower Concentration 11 10. Geographical Distribution 12 10.1 Geographical (Graph) 13 11. Object/Vehicle Type 14 12. Insurances 15 13. Contract Type 16 14. Payment Methods 17 15. Downpayment 18 16. Effective Interest Rate 19 16.1 Effective Interest Rate (Graph) 20 17. Seasoning 21 17.1 Seasoning (Graph) 22 18. Remaining Term 23 18.1 Remaining Term (Graph) 24 19. Original Term 25 19.1 Original Term (Graph) 26 20. Manufacturer Brands 27 21. Priority of Payments + Transaction Costs 28 22. Retention 30 23. Counterparties 31 24. Issuer Information 32 25. Santander Consumer Bank 33
1. Portfolio Information Monthly Period Nov 2018 current period previous period Outstanding Receivables No. of Contracts Aggregate Outstanding Principal Amount Aggregate Outstanding Principal Amount Beginning of Period 25.851 207.234.946,43 219.439.068,06 Scheduled Principal Payments 8.517.770,73 Prepayment Principal 3.236.943,09 Others - 10.254,31 Total Principal Collections 11.744.459,51 11.934.506,36 Total Interest Collections 933.930,01 1.011.249,64 Defaults 200.739,94 269.615,27 Replenishment - - End of Period 24.700 195.289.746,98 207.234.946,43 Purchase Shortfall Account 54,02 32,57 Total Assets (End of Period) 195.289.801,00 207.234.979,00 Current Prepayment Rate (annualised) 17,2%
2. Reserve Accounts Monthly Period Nov 2018 Note Balance Beginning of Period 207.234.979,00 End of Period 195.289.801,00 Reserve Accounts Reserve Account in % Trigger Event y/n Beginning of Period 3,38% 7.000.000,00 Cash Outflow - Cash Inflow - End of Period 3,58% 7.000.000,00 Required Reserve Fund 3,58% 7.000.000,00 Commingling Reserve in % no Beginning of Period n/a Cash Outflow n/a Cash Inflow n/a End of Period n/a Required Commingling Reserve Fund n/a Set-Off Reserve in % no Beginning of Period n/a 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
3. Delinquency Data Monthly Period Nov 2018 Note Balance Beginning of Period 207.234.979,00 End of Period 195.289.801,00 Delinquency Data and Ratios 3-MRA* / current ratio Amount at risk Overdue amount Number of 3-MRA* 1-30 days past due 0,65% 1-30 days past due period before previous period 1.556.423,58 382.730,75 179 1-30 days past due previous period 996.958,67 261.970,29 123 1-30 days past due current period 0,72% 1.499.311,38 273.709,93 173 3-MRA* 31-60 days past due 0,53% 31-60 days past due period before previous period 1.164.714,39 164.680,25 132 31-60 days past due previous period 1.206.766,01 246.539,79 143 31-60 days past due current period 0,46% 946.734,20 148.964,74 116 3-MRA* 61-90 days past due 0,28% 61-90 days past due period before previous period 703.015,74 112.937,83 60 61-90 days past due previous period 485.133,43 60.791,76 48 61-90 days past due current period 0,26% 546.258,48 144.066,53 65 3-MRA* 91-120 days past due 0,23% 91-120 days past due period before previous period 550.314,02 152.402,28 50 91-120 days past due previous period 576.845,03 98.209,90 47 91-120 days past due current period 0,16% 325.021,22 41.382,27 29 3-MRA* 121-150 days past due 0,17% 121-150 days past due period before previous period 360.650,12 119.282,78 33 121-150 days past due previous period 346.090,99 112.921,70 26 121-150 days past due current period 0,16% 329.241,83 41.675,82 27 3-MRA* 151-180 days past due 0,14% 151-180 days past due period before previous period 190.969,24 56.284,98 24 151-180 days past due previous period 300.883,51 129.877,74 32 151-180 days past due current period 0,17% 354.283,14 141.843,05 31 * 3-MRA stands for three months rolling average
4. Default Data Monthly Period Nov 2018 Note Balance Beginning of Period 207.234.979,00 End of Period 195.289.801,00 Default Data and Ratios Amount Number of Current Default Current Period Gross Default 200.739,94 Current Period Recoveries 76.552,57 Current Period Net Default 124.187,37 New Number of Defaulted Contracts 21 Cumulative Default Cumulative Gross Default 19.858.148,96 Cumulative Recoveries 3.682.580,41 Cumulative Net Default 16.175.568,55 Total Number of Defaulted Contracts 2.154 3-MRA* / current ratio Ratio 3-MRA* Annualised Net Default Ratio (New Default) 1,21% Annualised Loss Ratio period before previous period 1,51% Annualised Loss Ratio previous period 1,35% Annualised Loss Ratio current period 0,76% 0,76% Principal Deficiency Trigger Event y/n Principal Deficiency period before previous period - no Principal Deficiency previous period - Principal Deficiency current period - PDL Trigger 2.500.000,00 Repurchased Assets Current Repurchased Asset Amount through breach of warranty or voluntary buyback - Cumulative Repurchased Asset Amount through breach of warranty or voluntary buyback - * 3-MRA stands for three months rolling average
5. Concentration Limits Monthly Period Nov 2018 Current Transaction Status Amortizing Portfolio Concentrations Minimum-Trigger Maximum-Trigger Current Value Trigger Breach New Vehicles (applicable for Replenishment Portfolio) 45,00% - - - Average Yield (applicable for Replenishment Portfolio) 4,50% - - - Contracts with Balloon Rates (applicable for Total Portfolio) - 45,00% - - Remaining Term (applicable for Total Portfolio) - 55,00 - - Early Amortisation Events Maximum-Trigger Current Value Trigger Breach Cumulative Loss Ratio - prior to 30 September 2014 0,75% - - - prior to 30 September 2015 1,50% - - - prior to 30 September 2016 2,25% - - Purchase Shortfall Event - Period before previous period - Previous period - Current period - Principal Deficiency Event - - Total Sold Receivables 1.645.278.869,84
6. Outstanding Notes Monthly Period Nov 2018 1. Note Balance All notes Class A Class B General Note Information ISIN Code XS0980215825 XS0980216807 Currency EUR EUR Initial Tranching in % 90,0% 10,0% Legal Maturity Oct 2027 Oct 2027 Expected Maturity Mrz 2020 Mrz 2020 Original Rating (DBRS / S&P) A(sf) / A(sf) NR / NR Current Rating (DBRS / S&P)* AA (high) (sf) / AA-(sf) NR / NR Initial Notes Aggregate Principal Outstanding Balance 700.000.000,00 630.000.000,00 70.000.000,00 Initial Nominal per Note 100.000,00 100.000,00 Initial Number of Notes per Class 6.300 700 Current Note Information Class Principal Outstanding Balance Beginning of Period 207.234.979,00 137.234.979,00 70.000.000,00 Available Distribution Amount 19.754.974,66 Replenishment 0,00 Amortisation 11.945.178,00 Redemption per Class 11.945.178,00 11.945.178,00 0,00 Redemption per Note 1.896,06 0,00 Class Principal Outstanding Balance End of Period 195.289.801,00 125.289.801,00 70.000.000,00 Current Tranching 64,2% 35,8% Current Pool Factor 0,20 1,00 2. Payments to Investors per Note All notes Class A Class B Interest Rate Basis: Fixed 1,593% 2,802% DayCount Convention act/360 act/360 Interest Days 31 Principal Outstanding per Note Beginning of Period 21.783,33 100.000,00 > Principal Repayment per Note 1.896,06 0,00 Principal Outstanding per Note End of Period 19.887,27 100.000,00 > Interest accrued for the period 188.244,00 168.896,00 Interest Payment 188.244,00 168.896,00 Interest Payment per Note 29,88 241,28 3. Credit Enhancements Class A Class B Initial total CE (Subordination, Reserve) 11,00% 1,00% Current CE (incl. Excess Spread) 42,18% 6,34% Current CE (excl. Excess Spread) 39,43% 3,58% * Last rating action as of 23.08.2018
7. Original Principal Balance Monthly Period Nov 2018 Original Principal Balance (Ranges in EUR) Original Principal Balance in EUR Percentage of Total Balance Number of 0: 1999 21.999,02 0,00% 13 0,05% 2000: 3999 724.633,87 0,15% 222 0,90% 4000: 5999 3.761.760,09 0,79% 736 2,98% 6000: 7999 9.339.436,50 1,96% 1.322 5,35% 8000: 9999 16.343.677,71 3,44% 1.807 7,32% 10000:11999 24.617.038,01 5,18% 2.248 9,10% 12000:13999 28.585.736,65 6,01% 2.200 8,91% 14000:15999 34.439.949,61 7,24% 2.295 9,29% 16000:17999 35.965.613,24 7,56% 2.118 8,57% 18000:19999 37.867.297,22 7,96% 1.993 8,07% 20000:21999 39.775.625,28 8,37% 1.898 7,68% 22000:23999 36.235.420,09 7,62% 1.577 6,38% 24000:25999 32.623.554,79 6,86% 1.307 5,29% 26000:27999 28.040.446,79 5,90% 1.041 4,21% 28000:29999 23.451.999,60 4,93% 810 3,28% 30000:31999 21.617.639,98 4,55% 698 2,83% 32000:33999 15.263.307,60 3,21% 463 1,87% 34000:35999 12.929.970,99 2,72% 370 1,50% 36000:37999 11.596.388,79 2,44% 314 1,27% 38000:39999 8.882.499,12 1,87% 228 0,92% 40000:41999 8.795.162,06 1,85% 215 0,87% 42000:43999 6.098.783,61 1,28% 142 0,57% 44000:45999 5.527.343,59 1,16% 123 0,50% 46000:47999 3.753.732,85 0,79% 80 0,32% 48000:49999 4.507.382,45 0,95% 92 0,37% 50000:51999 2.690.971,52 0,57% 53 0,21% 52000:53999 2.643.080,31 0,56% 50 0,20% 54000:55999 2.252.770,80 0,47% 41 0,17% 56000:57999 1.997.532,19 0,42% 35 0,14% 58000:59999 2.361.584,62 0,50% 40 0,16% 60000:61999 1.522.087,41 0,32% 25 0,10% 62000:63999 1.323.988,21 0,28% 21 0,09% 64000:65999 1.688.619,25 0,36% 26 0,11% 66000:67999 937.161,24 0,20% 14 0,06% 68000:69999 481.663,26 0,10% 7 0,03% 70000:70000 210.000,00 0,04% 3 0,01% 70001: 6.588.259,49 1,39% 73 0,30% Total 475.464.117,81 100,00% 24.700 100,00% Statistics in EUR Average Amount 19.249,56
Original Principal Balance SC Germany Vehicles 2013-1 Reporting Date 07.11.2018 7.1 Original PB (Graph) Monthly Period Nov 2018 45.000.000 40.000.000 35.000.000 30.000.000 25.000.000 20.000.000 15.000.000 10.000.000 5.000.000 0
8. Current Principal Balance Monthly Period Nov 2018 Current Principal Balance Current Principal (Ranges in EUR) Balance in EUR Balance Number of 0: 1999 4.508.015,15 2,31% 4.482 18,15% 2000: 3999 12.408.641,71 6,35% 4.171 16,89% 4000: 5999 17.279.551,71 8,85% 3.472 14,06% 6000: 7999 20.848.865,97 10,68% 2.992 12,11% 8000: 9999 21.299.843,59 10,91% 2.380 9,64% 10000:11999 20.323.785,09 10,41% 1.858 7,52% 12000:13999 18.917.977,87 9,69% 1.462 5,92% 14000:15999 16.461.092,70 8,43% 1.101 4,46% 16000:17999 13.658.894,42 6,99% 806 3,26% 18000:19999 9.760.179,33 5,00% 516 2,09% 20000:21999 7.764.697,74 3,98% 371 1,50% 22000:23999 6.142.403,31 3,15% 268 1,09% 24000:25999 5.433.246,92 2,78% 218 0,88% 26000:27999 3.741.041,45 1,92% 139 0,56% 28000:29999 3.409.561,68 1,75% 118 0,48% 30000:31999 2.718.741,74 1,39% 88 0,36% 32000:33999 1.649.021,06 0,84% 50 0,20% 34000:35999 1.676.288,89 0,86% 48 0,19% 36000:37999 849.347,31 0,43% 23 0,09% 38000:39999 1.439.496,45 0,74% 37 0,15% 40000:41999 618.324,96 0,32% 15 0,06% 42000:43999 773.079,28 0,40% 18 0,07% 44000:45999 942.271,39 0,48% 21 0,09% 46000:47999 376.598,55 0,19% 8 0,03% 48000:49999 294.508,82 0,15% 6 0,02% 50000:51999 407.535,39 0,21% 8 0,03% 52000:53999 158.164,39 0,08% 3 0,01% 54000:55999 110.074,17 0,06% 2 0,01% 58000:59999 352.626,07 0,18% 6 0,02% 60000:61999 180.748,07 0,09% 3 0,01% 62000:63999 125.584,90 0,06% 2 0,01% 66000:67999 67.535,39 0,03% 1 0,00% 70001: 592.001,51 0,30% 7 0,03% Total 195.289.746,98 100,00% 24.700 100,00% Statistics in EUR Average Amount 7.906,47
Current Principal Balance SC Germany Vehicles 2013-1 Reporting Date 07.11.2018 8.1 Current PB (Graph) Monthly Period Nov 2018 25.000.000 20.000.000 15.000.000 10.000.000 5.000.000 0
9. Borrower Concentration Monthly Period Nov 2018 No Current Principal Balance in EUR Percentage of Balance Number of 1 105.720,03 0,0541% 1 2 86.606,52 0,0443% 1 3 86.479,99 0,0443% 1 4 85.756,68 0,0439% 1 5 77.847,36 0,0399% 1 6 76.343,23 0,0391% 1 7 73.247,70 0,0375% 1 8 67.535,39 0,0346% 1 9 65.822,61 0,0337% 2 10 64.793,35 0,0332% 2 11 63.299,05 0,0324% 1 12 60.294,74 0,0309% 1 13 60.293,05 0,0309% 1 14 60.160,28 0,0308% 1 15 59.810,48 0,0306% 2 16 59.573,67 0,0305% 1 17 59.480,39 0,0305% 1 18 58.870,31 0,0301% 1 19 58.485,41 0,0299% 3 20 58.312,82 0,0299% 1 21 58.089,63 0,0297% 1 22 56.131,06 0,0287% 4 23 55.548,63 0,0284% 1 24 54.983,34 0,0282% 2 25 54.525,54 0,0279% 1 1.668.011,26 0,8541% 34
10. Geographical Distribution Monthly Period Nov 2018 State Current Principal Balance in EUR Balance Number of Baden-Wuerttemberg 15.674.011,43 8,03% 1.810 7,33% Bavaria 18.433.645,96 9,44% 2.154 8,72% Berlin 6.824.274,00 3,49% 932 3,77% Brandenburg 14.900.052,95 7,63% 1.963 7,95% Bremen 1.070.488,09 0,55% 129 0,52% Hamburg 3.280.263,82 1,68% 395 1,60% Hesse 12.584.519,20 6,44% 1.509 6,11% Lower Saxony 18.224.526,63 9,33% 2.286 9,26% Mecklenburg-Western P 12.128.261,41 6,21% 1.535 6,21% North Rhine-Westphalia 34.859.398,43 17,85% 4.509 18,26% Rhineland-Palatinate 7.845.578,15 4,02% 968 3,92% Saarland 2.210.464,97 1,13% 270 1,09% Saxonia 15.273.694,68 7,82% 2.067 8,37% Saxony-Anhalt 11.640.188,97 5,96% 1.579 6,39% Schleswig-Holstein 8.652.569,34 4,43% 1.140 4,62% Thuringia 10.923.180,26 5,59% 1.369 5,54% n/a 764.628,69 0,39% 85 0,34% Total 195.289.746,98 100,00% 24.700 100,00%
Current Principal Balance SC Germany Vehicles 2013-1 Reporting Date 07.11.2018 10.1 Geographical Distribution (Graph) Monthly Period Nov 2018 40.000.000 35.000.000 30.000.000 25.000.000 20.000.000 15.000.000 10.000.000 5.000.000 0
11. Object/Vehicle Type Monthly Period Nov 2018 Vehicle Type Current Principal Balance in EUR Balance Number of New Vehicle 93.037.725,66 47,64% 10.616 42,98% Used Vehicle 102.252.021,32 52,36% 14.084 57,02% Total 195.289.746,98 100,00% 24.700 100,00% Object Type Current Principal Balance in EUR Balance Number of Car 187.677.894,59 96,10% 23.479 95,06% Leisure 5.045.265,72 2,58% 492 1,99% Motorbike 2.566.586,67 1,31% 729 2,95% Total 195.289.746,98 100,00% 24.700 100,00%
12. Insurances Monthly Period Nov 2018 Payment Protection Insurance Current Principal Balance in EUR Balance Number of No 116.355.804,88 59,58% 13.832 56,00% Yes 78.933.942,10 40,42% 10.868 44,00% Total 195.289.746,98 100,00% 24.700 100,00% Gap Insurance (Santander Safe) Current Principal Balance in EUR Balance Number of No 146.545.299,66 75,04% 18.896 76,50% Yes 48.744.447,32 24,96% 5.804 23,50% Total 195.289.746,98 100,00% 24.700 100,00% Repair Cost Insurance (Santander AutoCare) Current Principal Balance in EUR Balance Number of No 179.433.469,73 91,88% 22.643 91,67% Yes 15.856.277,25 8,12% 2.057 8,33% Total 195.289.746,98 100,00% 24.700 100,00%
13. Type of Contract Monthly Period Nov 2018 Contracts w/balloon Payments Current Principal Balance in EUR Balance Number of No 118.865.586,81 60,87% 18.907 76,55% Yes 76.424.160,17 39,13% 5.793 23,45% - of which balloon rates 55.778.468,56 28,56% - of which regular installments 20.645.691,61 10,57% Total 195.289.746,98 100,00% 24.700 100,00% Balloon - Original Term in months Balloon Rates in EUR Balloon Rates in % of Total Balloon Rates Number of Balloon Balloon 26:38 4.494.559,20 8,06% 448 7,73% 39:51 21.311.569,23 38,21% 2.142 36,98% 52:64 29.716.053,54 53,28% 3.192 55,10% 65:72 126.934,90 0,23% 7 0,12% 73: 129.351,69 0,23% 4 0,07% Total 55.778.468,56 100,00% 5.793 100,00% Balloon - Remaining Term in months Balloon Rates in EUR Balloon Rates in % of Total Balloon Rates Number of Balloon Balloon 0:12 25.381.471,55 45,50% 2.668 46,06% 13:25 23.519.140,26 42,17% 2.422 41,81% 26:38 6.877.856,75 12,33% 703 12,14% Total 55.778.468,56 100,00% 5.793 100,00%
14. Payment Methods Monthly Period Nov 2018 Payment Method Current Principal Balance in EUR Balance Number of Direct Debit 188.308.940,19 96,43% 23.801 96,36% Other 6.980.806,79 3,57% 899 3,64% Total 195.289.746,98 100,00% 24.700 100,00% Cycle of Payment Current Principal Balance in EUR Balance Number of 15th of month 104.357.522,22 53,44% 13.170 53,32% 1st of month 90.932.224,76 46,56% 11.530 46,68% Total 195.289.746,98 100,00% 24.700 100,00%
15. Downpayment Monthly Period Nov 2018 Downpayment (Ranges in EUR) Original Principal Balance in EUR Percentage of Total Balance Number of Downpayment / Purchase Price in % No Downpayment 63.764.151,95 32,65% 7.886 31,93% 0,00% 0: 999 1.905.720,45 0,98% 425 1,72% 5,08% 1000: 1999 7.632.056,11 3,91% 1.616 6,54% 10,53% 2000: 2999 13.141.438,50 6,73% 2.342 9,48% 14,58% 3000: 3999 15.698.281,48 8,04% 2.412 9,77% 17,06% 4000: 4999 14.842.497,25 7,60% 1.955 7,91% 18,94% 5000: 5999 18.839.641,28 9,65% 2.255 9,13% 20,82% 6000: 6999 10.708.203,52 5,48% 1.171 4,74% 23,44% 7000: 7999 8.030.973,78 4,11% 824 3,34% 25,20% 8000: 8999 6.268.009,05 3,21% 679 2,75% 28,09% 9000: 9999 3.882.554,06 1,99% 367 1,49% 28,83% 10000:10999 10.445.378,17 5,35% 1.030 4,17% 30,67% 11000:11999 2.569.270,30 1,32% 238 0,96% 31,56% 12000:12999 2.253.986,89 1,15% 223 0,90% 34,56% 13000:13999 1.944.815,07 1,00% 175 0,71% 35,63% 14000:14999 1.378.788,48 0,71% 143 0,58% 39,41% 15000:15000 2.715.951,40 1,39% 242 0,98% 37,41% 15001: 9.268.029,24 4,75% 717 2,90% 43,34% Total 195.289.746,98 100,00% 24.700 100,00% 17,74% Downpayment and Purchase Price Contracts with Downpayment All Contracts Average Downpayment 3.976,35 5.841,32 Average Purchase Price 22.420,43 24.131,16 Minimum Downpayment 100,00 Maximum Downpayment 192.000,00 Downpayment in % 17,74% 24,21%
16. Effective Interest Rate Monthly Period Nov 2018 Yield Range * Current Principal Balance in EUR Balance Number of 1: 1 992.551,92 0,51% 93 0,38% 2: 2 2.933.718,22 1,50% 351 1,42% 3: 3 74.346.875,24 38,07% 7.405 29,98% 4: 4 71.064.358,45 36,39% 8.822 35,72% 5: 5 29.142.420,83 14,92% 4.810 19,47% 6: 6 11.922.928,63 6,11% 2.122 8,59% 7: 7 3.185.982,68 1,63% 690 2,79% 8: 8 1.067.234,92 0,55% 243 0,98% 9: 9 519.219,99 0,27% 143 0,58% 10:10 106.631,06 0,05% 18 0,07% 11:11 7.825,04 0,00% 3 0,01% Total 195.289.746,98 100,00% 24.700 100,00% Statistics in % WA Interest 4,78% * runs from.00 to.99
Current Principal Balance SC Germany Vehicles 2013-1 Reporting Date 07.11.2018 16.1 Effective Interest Rate (Graph) Monthly Period Nov 2018 80.000.000 70.000.000 60.000.000 50.000.000 40.000.000 30.000.000 20.000.000 10.000.000 0 1: 1 2: 2 3: 3 4: 4 5: 5 6: 6 7: 7 8: 8 9: 9 10:10 11:11 Yield Range * * runs from.00 to.99
17. Seasoning Monthly Period Nov 2018 Seasoning in Months Current Principal Balance in EUR Balance Number of 27:29 11.289.771,56 5,78% 1.037 4,20% 30:32 24.867.054,69 12,73% 2.395 9,70% 33:35 25.644.246,49 13,13% 2.779 11,25% 36:38 26.861.765,92 13,75% 2.884 11,68% 39:41 25.479.076,91 13,05% 2.783 11,27% 42:44 22.266.790,59 11,40% 2.669 10,81% 45:47 8.140.785,74 4,17% 1.040 4,21% 48:50 6.469.287,21 3,31% 845 3,42% 51:53 6.682.166,14 3,42% 882 3,57% 54:56 6.458.832,21 3,31% 949 3,84% 57:59 5.204.418,14 2,66% 939 3,80% 60:62 4.297.296,97 2,20% 787 3,19% 63:65 5.293.766,16 2,71% 873 3,53% 66:68 4.557.517,66 2,33% 819 3,32% 69:71 2.497.158,67 1,28% 547 2,21% 72:74 2.102.142,03 1,08% 492 1,99% 75:77 2.092.010,20 1,07% 401 1,62% 78:80 1.574.805,42 0,81% 380 1,54% 81: 3.510.854,27 1,80% 1.199 4,85% Total 195.289.746,98 100,00% 24.700 100,00% Statistics WA Seasoning 43,28
Current Principal Balance SC Germany Vehicles 2013-1 Reporting Date 07.11.2018 17.1 Seasoning (Graph) Monthly Period Nov 2018 30.000.000 25.000.000 20.000.000 15.000.000 10.000.000 5.000.000 0 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
18. Remaining Term Monthly Period Nov 2018 Remaining Term in Months Current Principal Balance in EUR Balance Number of 0: 6 19.699.559,81 10,09% 5.432 21,99% 7:13 27.996.316,89 14,34% 4.814 19,49% 14:20 37.831.316,15 19,37% 4.608 18,66% 21:27 30.540.834,77 15,64% 3.232 13,09% 28:34 28.634.548,22 14,66% 2.803 11,35% 35:41 13.130.203,20 6,72% 1.237 5,01% 42:48 10.788.875,25 5,52% 870 3,52% 49:55 10.975.843,93 5,62% 771 3,12% 56:62 9.834.896,67 5,04% 602 2,44% 63:69 5.790.549,25 2,97% 327 1,32% 70:76 66.802,84 0,03% 4 0,02% Total 195.289.746,98 100,00% 24.700 100,00% Statistics WA Remaining Term 26,23
Current Principal Balance SC Germany Vehicles 2013-1 Reporting Date 07.11.2018 18.1 Remaining Term (Graph) Monthly Period Nov 2018 40.000.000 35.000.000 30.000.000 25.000.000 20.000.000 15.000.000 10.000.000 5.000.000 0 0: 6 7:13 14:20 21:27 28:34 35:41 42:48 49:55 56:62 63:69 70:76 Remaining Term in Months
19. Original Term Monthly Period Nov 2018 Original Term in Months Current Principal Balance in EUR Balance Number of 13:38 6.519.324,86 3,34% 1.698 6,87% 39:51 37.391.103,96 19,15% 5.181 20,98% 52:64 66.859.571,05 34,24% 7.430 30,08% 65:77 21.215.396,39 10,86% 3.365 13,62% 78: 63.304.350,72 32,42% 7.026 28,45% Total 195.289.746,98 100,00% 24.700 100,00% Statistics WA Original Term 69,51
Current Principal Balance SC Germany Vehicles 2013-1 Reporting Date 07.11.2018 19.1 Original Term (Graph) Monthly Period Nov 2018 80.000.000 70.000.000 60.000.000 50.000.000 40.000.000 30.000.000 20.000.000 10.000.000 0 13:38 39:51 52:64 65:77 78: Original Term in Months
20. Manufacturer Brands Monthly Period Nov 2018 Manufacturer brands Current Principal Balance in EUR Balance Number of 1 20.062.366,73 10,27% 2.498 10,11% 2 17.308.832,64 8,86% 1.761 7,13% 3 16.345.006,91 8,37% 2.399 9,71% 4 13.611.535,77 6,97% 1.394 5,64% 5 10.754.363,45 5,51% 1.640 6,64% 6 10.406.831,78 5,33% 881 3,57% 7 9.676.710,78 4,96% 1.213 4,91% 8 9.367.614,57 4,80% 1.469 5,95% 9 9.176.434,84 4,70% 1.514 6,13% 10 8.535.441,40 4,37% 772 3,13% 11 8.293.106,83 4,25% 881 3,57% 12 7.992.234,28 4,09% 1.015 4,11% 13 7.354.850,28 3,77% 918 3,72% 14 6.478.921,17 3,32% 614 2,49% 15 5.047.767,73 2,58% 814 3,30% 160.412.019,16 82,14% 19.783 80,09% TOP 15 manufacturer brands in alphabetical order: Audi, BMW, Citroen, Fiat, Ford, Hyundai, Kia, Mazda, Mercedes, Nissan, Opel, Peugeot, Renault, Volvo, VW
21. Priority of Payments + Transaction Costs Monthly Period Nov 2018 Priority of Payments Available Distribution Amount 19.754.974,66 Senior Expenses - 19.040,00 Interest Notes Class A - 188.244,00 Interest Notes Class B - 168.896,00 Replenishment - - Payments to Purchase Shortfall Account - 54,02 Payments to Reserve Fund - 7.000.000,00 Principal Payments Class A - 11.945.178,00 Principal Payments Class B - - Payments to Commingling Reserve Ledger - n/a Payments to Set-Off Reserve Ledger - n/a Interest Subordinated Loan - 25.931,50 Principal Payments Subordinated Loan - - Payments to Seller = 407.631,14 Transaction Costs All notes Class A Class B Senior Expenses - 19.040,00 Interest accrued for the Period - 357.140,00-188.244,00-168.896,00 Cumulative Interest accrued - 52.137.134,00-42.079.527,00-10.057.607,00 Interest Payments - 357.140,00-188.244,00-168.896,00 Cumulative Interest Payments - 52.137.134,00-42.079.527,00-10.057.607,00 Interest accrued on Subordinated Loan for the P- 25.931,50 Cumulative Interest accrued on Subordinated L - 1.544.179,00 Interest Payments on Subordinated Loan - 25.931,50 Cumulative Interest Payments on Subordinated - 1.544.179,00 Unpaid Interest for the Period - Cumulative Unpaid Interest -
22. Retention Monthly Period 12.11.2018 confirms its compliance to have continuously retained a net economic interest in the SC Germany Vehicles 2013-1 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 the regulatory first loss tranche which is represented by the Subordinated Loan of at least 1% and by retaining the regulatory second loss tranche which is represented by the Class B Notes of at least 4%. Outstanding Principal Balance of Purchased Receivables as of the Offer Date: Outstanding Principal Balance of Purchased Receivables as of the beginning of the Monthly Period: Outstanding Principal Balance of Purchased Receivables as of the end of the Monthly Period: Outstanding Principal Balance of the Subordinated Loan as of the Offer Date: Outstanding Principal Balance of the Subordinated Loan as of the beginning of the Monthly Period: Outstanding Principal Balance of the Subordinated Loan as of the end of the Monthly Period: Outstanding Balance of the Class B Notes as of the Offer Date: Outstanding Balance of the Class B Notes as of the beginning of the Monthly Period: Outstanding Balance of the Class B Notes of the end of the Monthly Period: Net Economic Interest Ratio as of Offer Date: Net Economic Interest Ratio as of the beginning of the Monthly Period: Net Economic Interest Ratio as of the end of the Monthly Period: 699.999.999,22 207.234.946,43 195.289.746,98 7.000.000,00 7.000.000,00 7.000.000,00 70.000.000,00 70.000.000,00 70.000.000,00 11,00% 37,16% 39,43%
Monthly Investor Report Payment Date 12.11.2018 Period No 23. Counterparties Monthly Period Nov 2018 Interest Period Collection Period 61 from 12.10.2018 to 12.11.2018 = 31 days from 01.10.2018 to 31.10.2018 DBRS S & P Long Term Short Term Outlook Long Term Short Term Outlook Counterpart y status Calculation Agent, Cash Administrator: Intertrust (Ireland) Limited - - - - - - performing 1st Floor, 1-2 Victoria Buildings ian.garvan@intertrustgroup.com Haddington Road Phone +353 (0)1 6975 350 Dublin 4 D04 XN32, Ireland Account Bank and Principal Paying Agent: Bank of New York Mellon AA R-1H STABLE AA- A-1+ STABLE performing Friedrich-Ebert-Anlage 49 email: tsampikos.trigenis@bnymellon.com 60327 Frankfurt am Main Phone: +49 69 12014 1772 Germany Transaction Security Trustee: Wilmington Trust SP Services (Frankfurt) GmbH - - - - - - performing Steinweg 3-5 email: wniemeyer@wilmingtontrust.com 60313 Frankfurt am Main Phone: +49 (0)69 9288 49512 Germany Data Trustee: Circumference FS (Netherlands) B.V. - - - - - - performing Barbara Strozzilaan 101 email: Preeti.Khitri@circumferencefs.com 1083 HN Amsterdam Phone: +31 20 205 0132 The Netherlands Rating Agencies: DBRS Ratings Ltd. Standard & Poor's Ratings Services Structured Finance Structured Finance 1 Minister Court, 10th floor, Mincing Lane 20 Canada Square EC3R 7 AA London E14 5LH London United Kingom United Kingdom Ratings as of 31.10.2018, data source: Bloomberg
24. Issuer Information Monthly Period Nov 2018 Deal Name: SC Germany Vehicles 2013-1 Issuer: Seller of the Receivables: Servicer Name: Reporting Entity: SPV-Administrator: SC Germany Vehicles 2013-1 UG (haftungsbeschränkt) The Managing Directors Grüneburgweg 58-62 60322 Frankfurt am Main Germany email frankfurt@intertrustgroup.com fax +49 (0) 69 643 50 8925 Capital Markets Germany email abs_ger@santander.de fax +49 (0) 2161 690 7077 Intertrust (Deutschland) GmbH Grüneburgweg 58-62 60322 Frankfurt am Main Germany email frankfurt@intertrustgroup.com fax +49 (0) 69 643 50 8925
SC Germany Vehicles 2013-1 Reporting Date 07.11.2018 Monthly Investor Report Payment Date 12.11.2018 Period No 25. Santander Consumer Bank Monthly Period Nov 2018 Interest Period Collection Period 61 from 12.10.2018 to 12.11.2018 = 31 days from 01.10.2018 to 31.10.2018 Contact Details Capital Markets Peter René Müller +49-2161-690-7337 peterrene.mueller@santander.de Ralf Schüring +49-2161-690-5464 ralf.schuering@santander.de Bastian Menges +49-2161-690-7085 bastian.menges@santander.de Stefan Zilligen +49-2161-690-6069 stefan.zilligen@santander.de Tobias Daners +49-2161-690-7410 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 31.10.2018, data source: Bloomberg