SERVICER REPORT FROM SERVICER: BANCA POPOLARE DI VICENZA SPA TO: BERICA 6 RESIDENTIAL MBS SRL REFERENCE PERIOD : 1/10/2016-31/12/2016 DATE of REPORT : 20/01/2017 Following the merge of Cariprato into Banca Popolare di Vicenza which took place on the 31 December 2010, the individual sections of this servicing report related to the Cariprato portfolio have been now incorporated in the BPVI portfolio sections for the purpose of the servicing report.
Table of Contents Section A: PORTFOLIO Section B: COLLECTIONS ON PORTFOLIO Section C: CALCULATION OF THE PDL AMOUNT Section D: MORTGAGE LOANS IN ARREARS and PERFORMANCE ANALYSIS Section E: MORTGAGE LOANS WITH A LIMITED RECOURSE LOAN EXTENDED AND ADVANCE INDEMNITY Section F: SUMMARY AMOUNTS PAID OR TO BE PAID BY BPV TO BERICA 6 RESIDENTIAL MBS Section G: SUMMARY AMOUNTS PAID OR TO BE PAID BY BERICA 6 RESIDENTIAL MBS
Section A: PORTFOLIO (f) COLLATERAL PORTFOLIO Instalments due but not paid (e) Outstanding Amount (End of Collection Period) (d) Principal Portion Interest Portion Other Total a b c d e=b+c+d Number of Loans (end of Collection Period) 1 MORTGAGE LOANS WITH NO ARREARS 277.284.499,16 - - - - 5.212 2 MORTGAGE LOANS WITH ARREARS NO DELINQUENT 59.009.416,79 762.383,13 98.872,31 2.944,28 864.199,72 1.061 3 MORTGAGE LOANS CLASSIFIED AS DELINQUENT 6.392.453,71 328.710,54 66.776,73 1.531,18 397.018,45 92 T TOTAL OUTSTANDING COLLATERAL PORTFOLIO 342.686.369,66 1.091.093,67 165.649,04 4.475,46 1.261.218,17 6.365 4 MORTGAGE LOANS CLASSIFIED AS DEFAULTED WITH NO SOFFERENZE 1.900.010,88 173.790,28 30.018,56 813,56 204.622,40 29 5 MORTGAGE LOANS CLASSIFIED AS "IN SOFFERENZA" 199.935,35 2 6 MORTG. LOANS WITH LIMITED RECOURSE LOAN (f) - - 7 TOTAL PORTFOLIO 344.786.315,89 1.264.883,95 195.667,60 5.289,02 1.465.840,57 6.396 (*) The value includes the amount of the default for its principal portion at the moment of the classification as deafulted, net of collections received 8 ORIGINAL LOAN BALANCE (as of 01/01/2006) 1.427.671.162,48 Swap Calculation Section (to be assessed separately for each subportfolio: BPV, BNUOVA, CRP) BPVI BNUOVA TOTAL 9 Actual Mortgage Interest Amount (a) (f) 1.053.740,16 185.466,27 1.239.206,43 10 Mortgage Scheduled Interest (b) (f) 1.057.586,57 183.073,20 1.240.659,77 11 Performance Ratio (c) 0,996 1,013 0,999 12 Outstanding Amount Collateral (g) 296.451.159,35 61.251.362,75 357.702.522,10 13 Notional for the Swap between Dresdner and Berica 6 (h) 295.372.975,55 62.052.019,53 357.424.995,08 (a) With respect to the current Calculation Period, the interest received by the Issuer from 1/10/2016 including to 31/12/2016 including less the interest accrued on the mortgage loans as of 31/12/2016 (b) With respect to the current Calculation Period, the scheduled interest payments due from 1/10/2016 including to 31/12/2016 including less the interest accrued on the mortgage loans as of 31/12/2016 (c) With respect to a Calculation Period, the Actual Mortgage Interest Amount divided by the Mortgage Scheduled Interest. (d) means, on any relevant date with reference to a Mortgage Loan, the sum of the Outstanding Principal and the aggregate amount outstanding of the principal component of all instalments of such mortgage loan that are due and payable but not paid as of such date (e) Arrears, including "DELINQUENT" (f) All figures related to the Portfolio and included in this report exclude the loans in relation to which a limited recourse loan has been extended. The only exception to that is obviously row number 5 of this page: MTG LOANS WITH LIMITED RECOURSE LOAN the group D4 in section B (Collections on the Portfolio, next page) and Section E (MORTGAGE LOANS WITH A LIMITED RECOURSE EXTENDED) (g) The aggregate outstanding principal amount of the Mortgage Loans on the last day of the Mortgage Collection Period immediately prior to the Mortgage Collection Period corresponding to that Calculation Period as set out in the Servicer Report. (h) The product of item 11 and Item 12. Date of the Quarterly report: 20 January 2017 Balance as of 31 December 2016
Section A1: PORTFOLIO BPVi Instalments due but not paid (e) Outstanding Amount (End of Collection Period) (d) Principal Portion Interest Portion Other Total a b c d e=b+c+d Number of Loans (end of Collection Period) COLLATERAL PORTFOLIO 1 MORTGAGE LOANS WITH NO ARREARS 231.336.426,91 - - - - 4.036 2 MORTGAGE LOANS WITH ARREARS NO DELINQUENT 46.993.171,69 590.208,67 81.850,16 1.983,78 674.042,61 745 3 MORTGAGE LOANS CLASSIFIED AS DELINQUENT 5.564.264,82 267.508,88 59.854,63 1.195,18 328.558,69 71 T TOTAL OUTSTANDING COLLATERAL PORTFOLIO 283.893.863,42 857.717,55 141.704,79 3.178,96 1.002.601,30 4.852 4 MORTGAGE LOANS CLASSIFIED AS DEFAULTED WITH NO SOFFERENZE 1.637.150,47 150.914,16 26.302,34 679,56 177.896,06 24 5 MORTGAGE LOANS CLASSIFIED AS "IN SOFFERENZA" 199.935,35 2 6 MORTG. LOANS WITH LIMITED RECOURSE LOAN (f) 7 TOTAL PORTFOLIO 285.730.949,24 1.008.631,71 168.007,13 3.858,52 1.180.497,36 4.878 8 ORIGINAL LOAN BALANCE (as of 01/01/2006) 1.188.161.951,10 (*) The value includes the amount of the default for its principal portion at the moment of the classification as deafulted, net of collections received and excludes mortgage loans with Limited Recourse Loan - Advance Indemnity Date of the Quarterly report: 20 January 2017 Balance as of 31 December 2016
Section A2: PORTFOLIO BN Instalments due but not paid (e) Outstanding Amount (End of Collection Period) (d) Principal Portion Interest Portion Other Total a b c d e=b+c+d Number of Loans (end of Collection Period) COLLATERAL PORTFOLIO 1 MORTGAGE LOANS WITH NO ARREARS 45.948.072,25 - - - - 1.176 2 MORTGAGE LOANS WITH ARREARS NO DELINQUENT 12.016.245,10 172.174,46 17.022,15 960,50 190.157,11 316 3 MORTGAGE LOANS CLASSIFIED AS DELINQUENT 828.188,89 61.201,66 6.922,10 336,00 68.459,76 21 T TOTAL OUTSTANDING COLLATERAL PORTFOLIO 58.792.506,24 233.376,12 23.944,25 1.296,50 258.616,87 1.513 4 MORTGAGE LOANS CLASSIFIED AS DEFAULTED WITH NO SOFFERENZE 262.860,41 22.876,12 3.716,22 134,00 26.726,34 5 5 MORTGAGE LOANS CLASSIFIED AS "IN SOFFERENZA" - - 6 MORTG. LOANS WITH LIMITED RECOURSE LOAN (f) 7 TOTAL PORTFOLIO 59.055.366,65 256.252,24 27.660,47 1.430,50 285.343,21 1.518 8 ORIGINAL LOAN BALANCE 239.509.211,38 (*) The value includes the amount of the default for its principal portion at the moment of the classification as deafulted, net of collections received and excludes mortgage loans with Limited Recourse Loan - Advance Indemnity Date of the Quarterly report: 20 January 2017 Balance as of 31 December 2016
Section B: COLLECTIONS ON PORTFOLIO - AGGREGATE D1. MORTGAGE LOANS NO DELINQUENT, DEFAULTED AND IN SOFFERENZA (Net of MORTGAGE LOANS WITH A LIMITED RECOURSE LOAN EXTENDED -D4- ) 1) PRINCIPAL COLLECTED 9.187.239,04 2) INTERESTS COLLECTED 1.219.056,78 3) PENALTY ON ARREARS (Interessi di Mora) 4.700,11 4) COLLECTION FROM PREPAYMENT (PRINCIPAL) 3.712.799,33 5) COLLECTION FROM PREPAYMENT (INTEREST) 4.324,49 6) COLLECTION PREPAYMENT PENALTY 12.478,86 7) OTHER 37.119,04 8) TOTAL COLLECTION 14.177.717,65 D2. DELINQUENT MORTGAGE LOANS (Net of MORTGAGE LOANS WITH A LIMITED RECOURSE LOAN EXTENDED -D4-) 1) PRINCIPAL COLLECTED 16.167,84 2) INTERESTS COLLECTED 9.979,41 3) PENALTY ON ARREARS (Interessi di Mora ) COLLECTED 1.145,64 4) COLLECTION FROM PREPAYMENT (PRINCIPAL) - 5) COLLECTION FROM PREPAYMENT (INTEREST) - 6) COLLECTION PREPAYMENT PENALTY - 7) OTHER 152,00 8) TOTAL COLLECTION 27.444,89 D3. DEFAULTED MORTGAGE LOANS (Net of MORTGAGE LOANS WITH A LIMITED RECOURSE LOAN EXTENDED -D4-) 1) PRINCIPAL COLLECTED 21.163.263,64 2) INTERESTS COLLECTED 579.269,13 3) PENALTY ON ARREARS (Interessi di Mora ) COLLECTED 172.890,73 4) COLLECTION FROM PREPAYMENT (PRINCIPAL) - 5) COLLECTION FROM PREPAYMENT (INTEREST) - 6) COLLECTION PREPAYMENT PENALTY - 7) OTHER 13.361,70 8) TOTAL COLLECTION 21.928.785,20 D4. MORTGAGE LOANS IN SOFFERENZA (Net of MORTGAGE LOANS WITH A LIMITED RECOURSE LOAN EXTENDED -D4-) 1) PRINCIPAL COLLECTED 34.617.617,32 2) CAPITALISED INTERESTS COLLECTED - 3) PENALTIES ON ARREARS (Interessi di Mora ) COLLECTED 3.250.986,06 4) CAPITALISED EXPENSES COLLECTED 598.461,07 5) TOTAL COLLECTION 38.467.064,45 D5. MORTGAGE LOANS WITH A LIMITED RECOURSE LOAN EXTENDED 1) PRINCIPAL COLLECTED - 2) INTERESTS COLLECTED - 3) PENALTY ON ARREARS (Interessi di Mora) COLLECTED - 4) COLLECTION FROM PREPAYMENT (PRINCIPAL) - 5) COLLECTION FROM PREPAYMENT (INTEREST) - 6) COLLECTION PREPAYMENT PENALTY - 7) OTHER - 8) RECOVERY ON DEFAULT - 9) TOTAL COLLECTION - D6. OTHER COLLECTIONS 1) PRINCIPAL COLLECTED 1.786.000,65 2) INTERESTS COLLECTED - 3) OTHER* - 4) TOTAL COLLECTION 1.786.000,65 D7. SUMMARY 1) COLLECTIONS ON MORTGAGE LOANS NO DELINQUENT DEFAULTED AND IN SOFFERENZA (Net of D4) 14.177.717,65 2) COLLECTIONS ON DELINQUENT DEFAULTED AND IN SOFFERENZA MORTGAGE LOANS (Net of D4) 60.423.294,54 3) COLLECTIONS ON MORTGAGE LOANS WITH A LIMITED RECOURSE EXTENDED FROM BPVi/CP/BN - 4) OTHER COLLECTIONS (eg netting of excluded collections in relation to Advance Indemnity) 1.786.000,65 5) TOTAL COLLECTIONS 76.387.012,84 Date of the Quarterly report: 20 January 2017 Collection period 1/10/2016-31/12/2016
Section B1: COLLECTIONS ON PORTFOLIO - BPVi D1. MORTGAGE LOANS NO DELINQUENT, DEFAULTED AND IN SOFFERENZA (Net of MORTGAGE LOANS WITH A LIMITED RECOURSE LOAN EXTENDED -D4- ) 1) PRINCIPAL COLLECTED 7.427.824,61 2) INTERESTS COLLECTED 1.036.634,00 3) PENALTY ON ARREARS (Interessi di Mora) 3.345,83 4) COLLECTION FROM PREPAYMENT (PRINCIPAL) 3.278.866,93 5) COLLECTION FROM PREPAYMENT (INTEREST) 4.085,49 6) COLLECTION PREPAYMENT PENALTY 11.024,82 7) OTHER 27.707,27 8) TOTAL COLLECTION 11.789.488,95 D2. DELINQUENT MORTGAGE LOANS (Net of MORTGAGE LOANS WITH A LIMITED RECOURSE LOAN EXTENDED -D4-) 1) PRINCIPAL COLLECTED 7.048,49 2) INTERESTS COLLECTED 8.703,23 3) PENALTY ON ARREARS (Interessi di Mora ) COLLECTED 971,61 4) COLLECTION FROM PREPAYMENT (PRINCIPAL) - 5) COLLECTION FROM PREPAYMENT (INTEREST) - 6) COLLECTION PREPAYMENT PENALTY - 7) OTHER 110,00 8) TOTAL COLLECTION 16.833,33 D3. DEFAULTED MORTGAGE LOANS (Net of MORTGAGE LOANS WITH A LIMITED RECOURSE LOAN EXTENDED -D4-) 1) PRINCIPAL COLLECTED 15.653.938,10 2) INTERESTS COLLECTED 383.111,01 3) PENALTY ON ARREARS (Interessi di Mora ) COLLECTED 73.905,32 4) COLLECTION FROM PREPAYMENT (PRINCIPAL) - 5) COLLECTION FROM PREPAYMENT (INTEREST) - 6) COLLECTION PREPAYMENT PENALTY - 7) OTHER 6.641,70 8) TOTAL COLLECTION 16.117.596,13 D4. MORTGAGE LOANS IN SOFFERENZA (Net of MORTGAGE LOANS WITH A LIMITED RECOURSE LOAN EXTENDED -D4-) 1) PRINCIPAL COLLECTED 32.984.729,13 2) CAPITALISED INTERESTS COLLECTED - 3) PENALTIES ON ARREARS (Interessi di Mora ) COLLECTED 3.128.950,44 4) CAPITALISED EXPENSES COLLECTED 567.986,33 5) TOTAL COLLECTION 36.681.665,90 D5. MORTGAGE LOANS WITH A LIMITED RECOURSE LOAN EXTENDED 1) PRINCIPAL COLLECTED - 2) INTERESTS COLLECTED - 3) PENALTY ON ARREARS (Interessi di Mora) COLLECTED - 4) COLLECTION FROM PREPAYMENT (PRINCIPAL) - 5) COLLECTION FROM PREPAYMENT (INTEREST) - 6) COLLECTION PREPAYMENT PENALTY - 7) OTHER - 8) RECOVERY ON DEFAULT - 9) TOTAL COLLECTION - D6. OTHER COLLECTIONS 1) PRINCIPAL COLLECTED 1.677.628,82 2) INTERESTS COLLECTED - 3) OTHER* - 4) TOTAL COLLECTION 1.677.628,82 D7. SUMMARY 1) COLLECTIONS ON MORTGAGE LOANS NO DELINQUENT DEFAULTED AND IN SOFFERENZA (Net of D4) 11.789.488,95 2) COLLECTIONS ON DELINQUENT DEFAULTED AND IN SOFFERENZA MORTGAGE LOANS (Net of D4) 52.816.095,36 3) COLLECTIONS ON MORTGAGE LOANS WITH A LIMITED RECOURSE EXTENDED FROM BPVi/CP/BN - 4) OTHER COLLECTIONS (eg netting of excluded collections in relation to Advance Indemnity) 1.677.628,82 5) TOTAL COLLECTIONS 66.283.213,13 Date of the Quarterly report: 20 January 2017 Collection period 1/10/2016-31/12/2016
Section B2: COLLECTIONS ON PORTFOLIO - BN D1. MORTGAGE LOANS NO DELINQUENT, DEFAULTED AND IN SOFFERENZA (Net of MORTGAGE LOANS WITH A LIMITED RECOURSE LOAN EXTENDED -D4- ) 1) PRINCIPAL COLLECTED 1.759.414,43 2) INTERESTS COLLECTED 182.422,78 3) PENALTY ON ARREARS (Interessi di Mora) 1.354,28 4) COLLECTION FROM PREPAYMENT (PRINCIPAL) 433.932,40 5) COLLECTION FROM PREPAYMENT (INTEREST) 239,00 6) COLLECTION PREPAYMENT PENALTY 1.454,04 7) OTHER 9.411,77 8) TOTAL COLLECTION 2.388.228,70 D2. DELINQUENT MORTGAGE LOANS (Net of MORTGAGE LOANS WITH A LIMITED RECOURSE LOAN EXTENDED -D4-) 1) PRINCIPAL COLLECTED 9.119,35 2) INTERESTS COLLECTED 1.276,18 3) PENALTY ON ARREARS (Interessi di Mora ) COLLECTED 174,03 4) COLLECTION FROM PREPAYMENT (PRINCIPAL) - 5) COLLECTION FROM PREPAYMENT (INTEREST) - 6) COLLECTION PREPAYMENT PENALTY - 7) OTHER 42,00 8) TOTAL COLLECTION 10.611,56 D3. DEFAULTED MORTGAGE LOANS (Net of MORTGAGE LOANS WITH A LIMITED RECOURSE LOAN EXTENDED -D4-) 1) PRINCIPAL COLLECTED 5.509.325,54 2) INTERESTS COLLECTED 196.158,12 3) PENALTY ON ARREARS (Interessi di Mora ) COLLECTED 98.985,41 4) COLLECTION FROM PREPAYMENT (PRINCIPAL) 5) COLLECTION FROM PREPAYMENT (INTEREST) 6) COLLECTION PREPAYMENT PENALTY 7) OTHER 6.720,00 8) TOTAL COLLECTION 5.811.189,07 D4. MORTGAGE LOANS IN SOFFERENZA (Net of MORTGAGE LOANS WITH A LIMITED RECOURSE LOAN EXTENDED -D4-) 1) PRINCIPAL COLLECTED 1.632.888,19 2) CAPITALISED INTERESTS COLLECTED - 3) PENALTIES ON ARREARS (Interessi di Mora ) COLLECTED 122.035,62 4) CAPITALISED EXPENSES COLLECTED 30.474,74 5) TOTAL COLLECTION 1.785.398,55 D5. MORTGAGE LOANS WITH A LIMITED RECOURSE LOAN EXTENDED 1) PRINCIPAL COLLECTED - 2) INTERESTS COLLECTED - 3) PENALTY ON ARREARS (Interessi di Mora) COLLECTED - 4) COLLECTION FROM PREPAYMENT (PRINCIPAL) - 5) COLLECTION FROM PREPAYMENT (INTEREST) - 6) COLLECTION PREPAYMENT PENALTY - 7) OTHER - 8) RECOVERY ON DEFAULT - 9) TOTAL COLLECTION - D6. OTHER COLLECTIONS 1) PRINCIPAL COLLECTED 108.371,83 2) INTERESTS COLLECTED - 3) OTHER* - 4) TOTAL COLLECTION 108.371,83 D7. SUMMARY 1) COLLECTIONS ON MORTGAGE LOANS NO DELINQUENT DEFAULTED AND IN SOFFERENZA (Net of D4) 2.388.228,70 2) COLLECTIONS ON DELINQUENT DEFAULTED AND IN SOFFERENZA MORTGAGE LOANS (Net of D4) 7.607.199,18 3) COLLECTIONS ON MORTGAGE LOANS WITH A LIMITED RECOURSE EXTENDED FROM BPVi/CP/BN - 4) OTHER COLLECTIONS (eg netting of excluded collections in relation to Advance Indemnity) 108.371,83 5) TOTAL COLLECTIONS 10.103.799,71 Date of the Quarterly report: 20 January 2017 Collection period 1/10/2016-31/12/2016
Section C: CALCULATION OF THE PDL AMOUNT PDL AMOUNT Monthly Payment Frequency 1.907.800,86 Semi annual Payment Frequency 0,00 TOTAL 1.907.800,86 Date of the Quarterly report: 20 January 2017 Balance as of 31 December 2016
Section C1: CALCULATION OF THE PDL AMOUNT (a) Monthly Payment Frequency Loan number Outstanding Amount Number of Delinquent Instalments Provisioning Factor PROVISIONING AMOUNT AMOUNT ALREADY DEBITED IN THE PREVIOUS PAYMENTS DATES PDL AMOUNT a b c d e=b*d f e-f 4628887 - - 100% - 127.157,30-4628935 - - 0% - 14.373,41-4629042 - - 100% - 51.387,52-4629120 - - 100% - 139.319,98-4629124 - - 100% - 81.646,49-4629131 - - 100% - 150.287,70-4629201 - - 100% - 225.789,62-4629231 - - 100% - 134.499,47-4629237 - - 100% - 95.905,50-4629353 - - 100% - 108.373,80-4629377 - - 100% - 91.281,86-4629462 - - 100% - 107.731,95-4629504 - - 100% - 60.374,71-4629604 - - 100% - 95.372,77-4629613 - - 100% - 115.516,41-4629623 - - 100% - 125.772,29-320.944.111,39 3.022.406,23 146.205.016,56 1.907.800,86 (a) All figures related to the Aggregate and included in this report exclude the loans in relation to which a limited recourse loan has been extended. Date of the Quarterly report: 20 January 2017 Balance as of 31 December 2016
Section C2: CALCULATION OF THE PDL AMOUNT (a) Semi annual Payment Frequency Loan number Outstanding Amount Number of Delinquent Instalments Provisioning Factor PROVISIONING AMOUNT AMOUNT ALREADY DEBITED IN THE PREVIOUS PAYMENTS DATES PDL AMOUNT a b c d e=b*d f e-f 64220 - - 100% - 81.748,01-64400 - - 0% - - - 64443 - - 100% - 172.327,74-64630 - - 100% - 89.930,90-64832 - - 100% - 127.296,98-64840 - - 0% - - - 65047 - - 100% - 111.424,54-65198 - - 100% - 100.678,69-65275 - - 0% - - - 65342 - - 100% - 180.885,07-65557 - - 15% - 25.296,24-65672 - - 100% - 90.686,50-65730 - - 100% - 110.164,57-65919 - - 100% - 154.944,65-66047 - - 0% - 21.640,97-23.842.204,50 36.408,12 9.260.723,88 - (a) All figures related to the Aggregate and included in this report exclude the loans in relation to which a limited recourse loan has been extended. Date of the Quarterly report: 20 January 2017 Balance as of 31 December 2016
Section D1: MORTGAGE LOANS IN ARREARS (a) Monthly Outstanding Amount In Arrears Principal Interests Other Total Number of monthly Instalments in arrears Number of Loans a b c d e=b+c+d 1 861 48.045.358,52 397.331,24 50.046,31 1.948,24 449.325,79 2 58 3.398.903,45 47.748,43 6.408,48 237,62 54.394,53 3 36 1.940.064,97 52.053,65 6.231,30 203,76 58.488,71 4 29 1.528.750,62 48.279,18 6.746,98 217,08 55.243,24 5 20 1.164.967,09 38.529,97 7.486,68 200,00 46.216,65 6 14 989.985,61 38.527,83 6.696,28 168,00 45.392,11 7 18 1.124.683,10 51.758,34 9.665,82 252,00 61.676,16 8 17 980.607,14 60.113,00 8.436,81 274,16 68.823,97 9 12 926.611,14 45.707,27 9.338,62 218,43 55.264,32 10 11 854.499,49 43.002,00 10.904,45 220,00 54.126,45 11 13 994.719,07 54.970,69 13.960,68 288,97 69.220,34 12 4 278.627,39 22.523,95 3.504,72 96,00 26.124,67 13 9 586.444,00 50.166,24 9.324,96 234,00 59.725,20 14 13 859.455,94 87.406,88 13.176,74 369,56 100.953,18 15 7 454.110,94 36.217,16 7.516,86 210,00 43.944,02 Totale 1.122 64.127.788,47 1.074.335,83 169.445,69 5.137,82 1.248.919,34 Semiannualy In Arrears Number of semiannual Instalments in Outstanding Amount Principal Interests Other Total arrears Number of Loans a b c d e=b+c+d 1 57 2.931.372,14 178.440,66 21.952,56 137,58 200.530,80 2 3 242.720,77 12.107,46 4.269,35 13,62 16.390,43 Totale 60 3.174.092,91 190.548,12 26.221,91 151,20 216.921,23 Totale (Monthly + Semiannualy) 1.182 67.301.881,38 1.264.883,95 195.667,60 5.289,02 1.465.840,57 (a) All figures related to the Arrears and included in this report exclude the loans in relation to which a limited recourse loan has been extended.
Reclassification by DAYS in ARREARS (not including also "DELINQUENT" and not "DEFAULTED") In Arrears Outstanding Amount Principal Interests Other Total Number of Days in Arrears Number of Loans a b c d e=b+c+d NO Arrears 5.212 277.284.499,16 - - - - 1-29 918 50.976.730,66 575.771,90 71.998,87 2.085,82 649.856,59 30-59 58 3.398.903,45 47.748,43 6.408,48 237,62 54.394,53 60-89 35 1.937.368,25 49.356,93 6.223,20 197,76 55.777,89 90-119 29 1.528.750,62 48.279,18 6.746,98 217,08 55.243,24 120-149 20 1.164.967,09 38.529,97 7.486,68 200,00 46.216,65 150-179 - - - - - - 180-209 - - - - - - 210-239 - - - - - - 240-269 - - - - - - 270-299 - - - - - - 300-329 - - - - - - 330-359 - - - - - - +360 1 2.696,72 2.696,72 8,10 6,00 2.710,82 Reclassification by DAYS in ARREARS (including only "DELINQUENT") In Arrears Outstanding Amount Principal Interests Other Total Number of Days in Arrears Number of Loans a b c d e=b+c+d NO Arrears - - - - - - 1-29 - - - - - - 30-59 - - - - - - 60-89 - - - - - - 90-119 - - - - - - 120-149 - - - - - - 150-179 14 989.985,61 38.527,83 6.696,28 168,00 45.392,11 180-209 21 1.367.403,87 63.865,80 13.935,17 265,62 78.066,59 210-239 16 976.679,16 56.185,02 8.420,21 258,16 64.863,39 240-269 12 926.611,14 45.707,27 9.338,62 218,43 55.264,32 270-299 11 854.499,49 43.002,00 10.904,45 220,00 54.126,45 300-329 14 998.647,05 58.898,67 13.977,28 304,97 73.180,92 330-359 4 278.627,39 22.523,95 3.504,72 96,00 26.124,67 +360 - - - - - - Reclassification by DAYS in ARREARS (including only "DEFAULTED") In Arrears Outstanding Amount Principal Interests Other Total Number of Days in Arrears Number of Loans a b c d e=b+c+d NO Arrears - - - - - - 1-29 - - - - - - 30-59 - - - - - - 60-89 - - - - - - 90-119 - - - - - - 120-149 - - - - - - 150-179 - - - - - - 180-209 - - - - - - 210-239 - - - - - - 240-269 - - - - - - 270-299 - - - - - - 300-329 - - - - - - 330-359 - - - - - - +360 29 1.900.010,88 173.790,28 30.018,56 813,56 204.622,40
Number of Loans Outstanding Amount In Arrears DEFAULTED: Principal Interests Other _of this Period 29 1.900.011 173.790,28 30.018,56 813,56 _Cumulated 29 1.900.011 173.790,28 30.018,56 813,56 Accrued Number of Loans Outstanding Amount Penalties on Arrears Capitalised Interests SOFFERENZE: (Interessi di Mora) Capitalised Expenses _of this Period 2 199.935,35 3.829,49 796,26 50,00 _Cumulated 2 199.935,35 3.829,49 796,26 50,00 Number of Loans Outstanding Amount Recoveries of this Period 657 55.780.880,96 Cumulated Recoveries 1.486 149.191.377,02 Principal Collections related to current delinquent loans or delinquent loans that became performing loans: Aggregate BPV BN Up to 85% of the Outstanding Amount at the time they were classified as delinquent From 85 to 100% of the Outstanding Amount at the time they were classified as delinquent 7.626.040,22 6.291.619,01 1.334.421,20 116.605,76 102.118,89 14.486,87 Date of the Quarterly report: 20 January 2017 Balance as of 31 December 2016
Section D2: PERFORMANCE ANALYSIS Delinquency ratio Outstanding Principal of Delinquent Mortgage Loans Outstanding Principal of the Collateral Portfolio Portfolio Delinquency Ratio 2 nd preceding Coll. Period 3 rd preceding Coll. Period 6.063.743,17 341.595.275,99 1,78% 1.98% 2.26% Portfolio Arrears ratio Outstanding Principal of Mortgage Loans with one or more Delinquent Instalments Outstanding Principal of the Collateral Portfolio Portfolio Arrears Ratio 13.909.818,07 341.595.275,99 4,07% Outstanding Principal of Defaulted Mortgage Loans during such Collection Period Arithmethic Average Outstanding Principal of the Collateral Portfolio Portfolio Default Ratio Portfolio Default ratio 1.926.155,95 348.219.646,82 0,55% 0,82% 0.65% Prepayment ratio 2 nd preceding Coll. Period 3 rd preceding Coll. Period Prepaid principal Average Outstanding Principal of the Collateral Portfolio Prepayment Ratio 3.712.799,33 346.292.030,38 1,07% Date of the Quarterly report: 20 January 2017 Balance as of 31 December 2016
Section D3: PERFORMANCE ANALYSIS Outstanding Amount as of the effective date 1.427.671.162,48 A B C Cumulative Default ratio Cumulative Default ratio Payment Date Defaulted Amount (%) Trigger Recoveries 1 Outstanding Amount of Net Cumulative Default Net Cumulative Default ratio Claims 2 Ratio (%) Trigger 31 December 2016 151.291.323,25 10,60% 12,00% 149.191.377,02 1.427.671.162,48 0,15% 5,00% 30 September 2016 149.191.377,02 10,45% 12,00% 93.410.496,06 1.427.671.162,48 3,91% 5,00% 30 June 2016 146.761.282,45 10,28% 12,00% 92.938.379,39 1.427.671.162,48 3,77% 5,00% 31 March 2016 144.361.898,77 10,11% 12,00% 92.618.231,51 1.427.671.162,48 3,62% 5,00% 31 December 2015 142.208.197,00 9,96% 12,00% 92.164.690,31 1.427.671.162,48 3,51% 5,00% 30 September 2015 140.301.975,99 9,83% 12,00% 91.840.915,07 1.427.671.162,48 3,39% 5,00% 30 June 2015 138.224.737,64 9,68% 12,00% 91.396.298,33 1.427.671.162,48 3,28% 5,00% 31 March 2015 135.736.745,31 9,51% 12,00% 90.799.231,16 1.427.671.162,48 3,15% 5,00% 31 December 2014 133.150.951,80 9,33% 12,00% 90.543.146,74 1.427.671.162,48 2,98% 5,00% 30 September 2014 131.383.380,91 9,20% 12,00% 90.177.594,22 1.427.671.162,48 2,89% 5,00% 30 June 2014 129.648.536,01 9,08% 12,00% 90.075.694,59 1.427.671.162,48 2,77% 5,00% 31 March 2014 127.330.688,22 8,92% 12,00% 89.744.012,88 1.427.671.162,48 2,63% 5,00% 31 December 2013 124.519.062,22 8,72% 12,00% 89.492.674,95 1.427.671.162,48 2,45% 5,00% 30 September 2013 122.315.819,23 8,57% 12,00% 89.303.811,31 1.427.671.162,48 2,31% 5,00% 30 June 2013 120.173.982,51 8,42% 12,00% 89.120.477,92 1.427.671.162,48 2,18% 5,00% 31 March 2013 117.043.648,79 8,20% 12,00% 89.026.487,88 1.427.671.162,48 1,96% 5,00% 31 December 2012 112.956.700,60 7,91% 12,00% 88.898.586,36 1.427.671.162,48 1,69% 5,00% 30 September 2012 107.463.603,09 7,53% 12,00% 88.749.643,38 1.427.671.162,48 1,31% 5,00% 30 June 2012 103.644.333,05 7,26% 12,00% 88.661.187,28 1.427.671.162,48 1,05% 5,00% 31 March 2012 99.684.709,24 6,98% 12,00% 88.538.617,40 1.427.671.162,48 0,78% 5,00% 31 December 2011 94.256.028,70 6,60% 12,00% 88.436.041,94 1.427.671.162,48 0,41% 5,00% 30 September 2011 89.733.082,69 6,29% 12,00% 88.426.578,93 1.427.671.162,48 0,09% 5,00% 30 June 2011 88.136.017,99 6,17% 12,00% 53.739.257,50 1.427.671.162,48 2,41% 5,00% 31 March 2011 85.491.047,77 5,99% 12,00% 53.130.156,97 1.427.671.162,48 2,27% 5,00% 31 December 2010 81.531.285,96 5,71% 12,00% 52.910.799,30 1.427.671.162,48 2,00% 5,00% 30 September 2010 77.805.657,51 5,45% 12,00% 52.423.416,30 1.427.671.162,48 1,78% 5,00% 30 June 2010 71.321.020,78 5,00% 12,00% 52.117.112,23 1.427.671.162,48 1,35% 5,00% 30 April 2010 65.380.927,52 4,58% 12,00% 51.912.626,04 1.427.671.162,48 0,94% 5,00% 29 January 2010 54.196.751,24 3,80% 12,00% 51.894.083,90 1.427.671.162,48 0,16% 5,00% 30 October 2009 49.620.070,59 3,48% 12,00% 3.767.525,03 1.427.671.162,48 3,21% 5,00% 30 July 2009 44.865.256,57 3,14% 12,00% 3.491.221,73 1.427.671.162,48 2,90% 5,00% 30 April 2009 41.386.125,55 2,90% 12,00% 3.005.671,46 1.427.671.162,48 2,69% 5,00% 30 January 2009 39.454.503,89 2,76% 12,00% 2.374.835,66 1.427.671.162,48 2,60% 5,00% 30 September 2008 30.235.410,12 2,12% 12,00% 1.980.249,81 1.427.671.162,48 1,98% 5,00% 30 June 2008 26.371.216,93 1,85% 12,00% 1.495.958,04 1.427.671.162,48 1,74% 5,00% 31 March 2008 20.875.409,90 1,46% 12,00% 779.789,45 1.427.671.162,48 1,41% 5,00% 31 December 2007 15.687.818,17 1,10% 12,00% 586.569,20 1.427.671.162,48 1,06% 5,00% 30 September 2007 11.002.961,98 0,77% 12,00% 229.733,63 1.427.671.162,48 0,75% 5,00% 30 July 2007 7.480.023,73 0,52% 12,00% 226.976,57 1.427.671.162,48 0,51% 5,00% 30 April 2007 5.043.865,64 0,35% 12,00% 94.025,58 1.427.671.162,48 0,35% 5,00% 30 January 2007 1.995.793,74 0,14% 12,00% 85.939,63 1.427.671.162,48 0,13% 5,00% 30 October 2006 925.919,62 0,06% 12,00% - 1.427.671.162,48 5,00% 31 July 2006-12,00% - 1.427.671.162,48 5,00% 1 the amounts of all recoveries arising from such Defaulted Claims during the period from the date on which they have become Defaulted Claims to the last day of such Collection Period 2 the Outstanding Amount of all Claims comprised in the Portfolios as of the Effective Date Date of the Quarterly report: 20 January 2017 Balance as of 31 December 2016
Section E1: MORTGAGE LOANS WITH A LIMITED RECOURSE EXTENDED Original Amount of Outstanding Loan Number Current Amount of Current Balance of Originator e Limited Recourse the Loan Extended Balance of the Loan Extended the Underlying Loan has been as Limited Recourse Loan the Underlying as Limited Recourse Loan Mortgage Loan Extended to Cover Mortgage Loan (including -if any- any Principal or Interest? at that time principal amount covered (including -if any- any by Limited Recourse Loan) principal amount covered by Limited Recourse Loan) Date of the Quarterly report: 20 January 2017 Balance as of 31 December 2016
Section E2: ADVANCE INDEMNITY Original Amount of Outstanding Loan Number Current Amount of Current Balance of Originator The Advance the Loan Extended Balance of the Loan Extended the Underlying Indemnity has been as Advance Indemnity the Underlying as Advance Indemnity Mortgage Loan Extended to Cover Mortgage Loan (including -if any- any Principal or Interest? at that time principal amount covered (including -if any- any by advance indemnity) principal amount covered by advance indemnity) Date of the Quarterly report: 20 January 2017 Balance as of 31 December 2016
Section F: SUMMARY OF AMOUNTS TO BE PAID BY BPV TO BERICA 6 RESIDENTIAL MBS F1. Servicing agreement a) Collections b) Other c) Total F2. Warranty Agreemment a) b) c) Total F3. Transfer Agreement a) b) c) Total F4. Other Contracts a) b) c) Total Date of the Quarterly report: 20 January 2017
Section G: SUMMARY OF AMOUNTS TO BE PAID by BERICA 6 RESIDENTIAL MBS Reference Agreeement art. Description Amount G.1 Master Servicing 15.1 Servicer (BPVI) 890.824,63 Agreement Servicer (BN) 164.137,08 15.2 Master Servicer (BPVI) 62.175,07 15.3 Fixed Commissions relative to recovery activity through court proceeding (BPVI) 50.419,35 Fixed Commissions relative to recovery activity through court proceeding (BN) 3.218,26 15.4 Reimboursement for Recovery Expenses (BPVI) 45.485,92 Reimboursement for Recovery Expenses (BN) 1.547,46 G.2 Transfer Agreement 4.3 Interest on the Purchase Price (BPVI) - Interest on the Purchase Price (BN) - G.3 Administrative Services 6.1 Administrative Services Provider (BPVI) 9.455,00 Agreement 6.2 Administrative Services Provider - Reimboursements (BPVI) 13.033,24 6.2 Monte Titoli SpA 915,00 6.2 Moody's Investors Service Ltd 24.000,00 6.2 S&P CMSI Srl 9.150,00 6.2 SIA SpA 162,83 G.4 Cash Allocation 14.1 Cash manager (BP.Vi Fondi SGR) - Management and Payments 14.1 Principal paying agent, Calculation Agent (Deutsche B. AG) 5.625,00 Agreement 14.1 English Account Bank (US Bank) - G.5 Senior Notes 10.3 Representative of the Noteholders (Deutsche Trustee Company Limited) 3.000,00 Subscription Agreement G.6 Commingling Risk 5.1 Commingling Risk Guarantor (Dresdner Bank AG) 7.666,67 Guarantee TOTAL 1.290.815,51 Date of the Quarterly report: 20 January 2017