Investor Report Date: 14-Apr-215 Statement Summary: Section Page(s) 1 2 3 Contents Counterparty Ratings Note Details / Distributions 1 2 3 4 Available Collections 4 5 Pre-Enforcement Order of Priority 5 6 Senior Expenses 6 7 Subordinated Loans 7 8 Enhancement Acounts 8 9 Trigger Events 9 1 Asset Replenishment / Accumulation Account 1 11 Stratification Tables - Pool Data 11 to 17 12 Stratification Tables - Private New / Used 18 to 23 13 14 Stratification Tables - SME New / Used Delinquencies, Defaults and Recoveries 24 to 29 3 to 31 Deal Information: Seller: Getin Noble Bank S.A. Originator: Servicer: Back Up Servicer: Getin Noble Bank S.A. Getin Noble Bank S.A. Idea Bank S.A. Back Up Servicer Facilitator:, London Branch Cash Manager:, London Branch Acocunt Bank:, London Branch Paying Agent: Bank Handlowy w Warszawie S.A. Pledge Administrator: Citicorp Trustee Company Limited Registrar: KDPW (Krajowy Depozyt Papierów Wartościowych S.A.) Rating Agency: Moody's Investor Service Limited Closing Date: Payment Date: Collection Period Start Date: Collection Period End Date: Days in the Interest Period: Listing: 19-Dec-212 16-Apr-215 1-Jan-215 31-Mar-215 9 ASO BondSpot Page 1 of 31 tel: +44 2 758 3814 fax: +44 2 75 5877
Investor Report Date: 14-Apr-215 Involved Parties Role(s) Deal Counterparty Rated Entity Fitch (ST / LT) Rating Moody's (ST / LT) Rating S&P (ST / LT) Rating Arranger Citigroup Global Markets Limited Citigroup Global Markets Limited NR / NR NR / NR A-1 / A Arranger / Issue Agent / Dealer / Paying Agent Bank Handlowy w Warszawie S.A. Bank Handlowy w Warszawie S.A. F2 / A- P-3 / Baa3 NR / BBBpi Seller / Originator / Servicer Back Up Servicer Getin Noble Bank S.A. Idea Bank S.A. Getin Noble Bank S.A. Idea Bank S.A. B / BBB (pol) NR / NR not prime / Ba2 NR / NR NR / NR NR / NR Back Up Servicer Facilitator / Cash Manager / Account Bank Pledge Administrator Registrar, London Branch Citicorp Trustee Company Limited KDPW (Krajowy Depozyt Papierów Wartościowych S.A.) KDPW (Krajowy Depozyt Papierów Wartościowych S.A.) F1 / A+ F1 / A+ NR / NR P-2 / A3 P-2 / A3 NR / NR A-1 / A A-1 / A NR / NR NR = Not Rated Page 2 of 31 tel: +44 2 758 3814 fax: +44 2 75 5877
Investor Report Date: 14-Apr-215 Issuance Details Note Description ISIN Code Issue Date Final Legal Maturity Date Revolving Period End Date Moody's Rating at Issue Current Moody's Rating Bonds BCC1YIE22 19-Dec-212 16-Jul-225 16-Jul-214 Aa3 (sf) Aa3 (sf) Accrual Dates Note Description Collection Period Start Date Collection Period End Date Days in Collection Period Interest Period Start Date Interest Period End Date Days in Interest Period Bonds 1-Jan-215 31-Mar-215 9 16-Jan-215 16-Apr-215 9 Payment Distributions (PLN) - Interest Note Description Days Accrual Method Base Rate - WIBOR 3M () Margin () Interest Rate () Interest Due Interest Paid (1) (1) (3) (4) (5) =(3+4) (6) (7) Bonds 9 Act / 36 2.4 2. 4.4 3,677,341.94 3,677,341.94 Payment Distributions (PLN) - Principal Note Description Original Bond Balance of the Bonds at Principal Paid at Balance of the Bonds at Ending Pool Factor Balance previous Payment Date Payment Date current Payment Date (1) (2) (3) (4)=(2-3) (5)=(4 / 1) Bonds 518,666, 363,859,758.98 17,267,674.48 193,592,84.5.37325 Article 122a The seller confirms that it continues to retain a material net economic interest of not less than 5 per cent in the securitisation in accordance with the text of Article 45 of Regulation (EU) No. 575/213. Compliance is not monitored by either the Cash Manager or Pledge Administrator. Page 3 of 31 tel: +44 2 758 3814 fax: +44 2 75 5877
Investor Report Date: 14-Apr-215 Available Collections (a) the aggregate of all amounts received by the Servicer with respect to the Eligible Purchased Receivables on the account of repayment of the Principal of such receivables (b) the aggregate of all amounts received by the Servicer with respect to the Eligible Purchased Receivables on the account of repayment of the Interest of such receivables (c) the Accumulation Fund collected in the Accumulation Account (d) the amount of Issuer's Profit paid by the Seller to the Issuer for any Collection Period (e) interest accrued on Issuer's Accounts (f) amounts withdrawn from the Set-Off Reserve (g) indemnity payments received pursuant to the Receivables Sale Agreement in the event the Principal Outstanding Balance of an Acquired Receivable is reduced or cancelled by a set-off claim (h) the Reserve Fund collected in the Reserve Account, and (i) during the Revolving Period, amount standing to the credit of the Asset Replenishment Ledger unutilised during the previous Collection Period Principal Receipts - forming part of (a) above Scheduled and Paid Principal Balance Repayments Principal Balance Prepayments Insurance Payments Lowering Principal Balance Principal Proceeds from Repurchased Loans Recovery of Principal from Defaulted Loans Other Principal Items Payable to the Issuer Revenue Receipts - forming part of (b) above Interest Receipts (Regular and Penalty) Regular Interest Receipts Penalty Interest Receipts Accrued Interest Proceeds from Repurchased Loans Recovery of Interest from Defaulted Loans Other Revenue Items Payable to the issuer (PLN) 16,168,369.77 16,981,57.4 63,864,144.42 32,952.35 547,476.95 15,559,98 23,154,493.89 (PLN) 8,773,949.48 22,39,531.47 2,994,573.93 9,314.89 16,168,369.77 (PLN) 16,82,78.53 16,771,484.46 49,296.7 159,26.92 1,582.95 16,981,57.4 Page 4 of 31 tel: +44 2 758 3814 fax: +44 2 75 5877
Investor Report Date: 14-Apr-215 Pre-Enforcement Order of Priority (i) Senior Expenses. (ii) Interest on the Bonds. (iii) Reserve Fund replenishment. (iv) Asset Replenishment Ledger replenishment. (v) Repayment of principal on the Bonds. (vi) Accumulation Fund replenishment. (vii) Utilisation of amounts deposited in the Accumulation Account towards repayment of the Bonds. (viii) Set-Off Reserve Account replenishment. (ix) Other amounts due to Senior Creditors other than Senior Expenses. (x) Interest on the Subordinated Loan Facility. (xi) Principal on the Subordinated Loan Facility. (xii) Interest on the Additional Set-Off Reserve Loan and Interest on the Subordinated Reserve Facility. (xiii) Principal on the Additional Set-Off Reserve Loan and Principal on the Subordinated Reserve Facility. (xiv) Deferred Payment. Amount Due (PLN) 288,17.12 3,677,341.94 15,559,98 72,89,387.34 98,183,127.89 Amount Paid (PLN) 288,17.12 3,677,341.94 15,559,98 72,89,387.34 98,183,127.89 98,178,287.14 5,238,664.35 265,419.66 7,852,42.59 98,178,287.14 5,238,664.35 265,419.66 Amount Remaining (PLN) 23,154,493.89 22,866,323.77 199,188,981.83 183,629,1.83 183,629,1.83 111,539,614.49 13,356,486.6 13,356,486.6 13,356,486.6 13,356,486.6 8,117,822.25 8,117,822.25 7,852,42.59 7,852,42.59 Page 5 of 31 tel: +44 2 758 3814 fax: +44 2 75 5877
Investor Report Date: 14-Apr-215 Senior Expenses included in item (a) of the Pre-enforcement Order of Priority Amount Due (PLN) Amount Paid (PLN) (a) (A) Pledge Administrator (B) VAT on the Issuer's Profit Amount (C) Polish tax (D) Other tax liabilities 15,375. 15,375. (b) (A) Account Bank (B) Cash Manager (C) Issue Agent and the Paying Agent (D) Registrar (E) Maintenance and listing of the Bonds on ASO BondSpot; (F) Corporate Services Provider (G) Back-up Servicer Facilitator 1,25 1,25 1,25 1,25 5,47.94 5,47.94 2, 2, 25,147.35 25,147.35 1,25 1,25 (c) (A) Servicer 197,126.83 197,126.83 (d) (A) Rating Agencies (B) Auditors (C) Third parties 12,3 12,3 Page 6 of 31 tel: +44 2 758 3814 fax: +44 2 75 5877
Investor Report Date: 14-Apr-215 Payment Distributions (PLN) - Interest Loan Description Days Accrual Method Base Rate WIBOR 3M () Margin () Interest Rate () Interest Due Current Period Prior Unpaid Interest (1) (2) (3) (4) (5) =(3+4) (6) (7) Interest Interest Paid Due (8)=(6+7) (9) Current Unpaid Interest (8)-(9) Sub Loan 9 Act / 36 2.4 2.25 4.29 5,238,664.35 5,238,664.35 5,238,664.35 Sub Reserve Loan 9 Act / 36 2.4 2.25 4.29 166,88.79 166,88.79 166,88.79 Payment Distributions (PLN) - Principal Loan Description Original Loan Balance Balance of the Loans at previous Principal Paid at Balance of the Loans at current Payment Date Payment Date Payment Date (1) (2) (3) (4)=(2-3) Sub Loan 488,453,552. 488,453,552. 488,453,552. Sub Reserve Loan 15,559,98 15,559,98 15,559,98 Additional Set-Off Reserve Loan Starting balance of the Additional Set-Off Reserve Loan Additional loan advance during the period to cover the difference between the Set-Off Risk Amount and the Set-Off Exposure Interest due Interest paid from the Pre-enforcement Order of Priority, item (xii) Unpaid interest deferred to next period Principal paid from funds standing to the credit of the Set-Off Reserve Account Principal paid from the Pre-enforcement Order of Priority, item (xiii) Ending balance of the Additional Set-Off Reserve Loan (PLN) 9,187,773.66 98,538.87 98,538.87 96,658.9 8,281,114.76 Page 7 of 31 tel: +44 2 758 3814 fax: +44 2 75 5877
Investor Report Date: 14-Apr-215 Reserve Account Starting balance of the Reserve Account (ending balance from previous period) Interest accrued on the Reserve Account Accured Interest debited to form part of Available Collections, item (e) Reserve Fund debited to form part of Available Collections, item (h) Reserve Fund Required Amount Amount credited through the Pre-enforcement Order of Priority, item (iii) Ending balance of the Reserve Account Set-Off Reserve Account Starting balance of the Set-Off Reserve Account (ending balance from previous period) Interest accrued on the Set-Off Reserve Account Additional credit by the Originator during the period to cover the difference between the Set-Off Risk Amount and the Set-Off Amount debited to pay principal on the Additional Set-Off Reserve Loan owing to a reduction of the Set-Off Risk Amount Amount debited to form part of Available Collections formed of Accrued Interest, item (e) Amount debited to form part of Available Collections formed of any Set-Off claims, item (f) Amount credited to the Set-Off Reserve Fund from the Pre-enforcement Order of Priority as a result of Servicer insolvency or a Servicer Termination Event, item (viii) Ending balance of the Set-Off Reserve Account (PLN) 15,559,98 52,46.12 52,46.12 15,559,98 15,559,98 15,559,98 15,559,98 (PLN) 9,187,773.66 31,18.37 96,658.9 31,18.37 8,281,114.76 Page 8 of 31 tel: +44 2 758 3814 fax: +44 2 75 5877
Investor Report Date: 14-Apr-215 Trigger Events (i) Insolvency Event (ii) Servicer Termination Event (iii) Event of Default under the Bonds (iv) Asset Replenishment Ledger not replenished up to the Asset Replenishment Ledger Required Amount (v) Asset Replenishment Ledger for two consecutive Distribution Dates exceeds 1 per cent of the aggregate of the Bonds and the Subordinated Loan Facility; Current Period Previous Period (vi) the aggregate Principal Amount of the Receivables which have been classified as Defaulted Receivables since the Closing Date is, prior to the Distribution Date falling: (1) 12 months after the Closing Date, more than 5 per cent. of the aggregate Principal Amount of all Acquired Receivables on the Closing Date plus the aggregate Principal Amount of all Acquired Receivables (as at the date that such Acquired Receivables were transferred to the Issuer) that have been transferred to the Issuer since the Closing Date up to the relevant Cut-off Date; (2) 18 months after the Closing Date, more than 7.5 per cent. of the aggregate Principal Amount of all Acquired Receivables on the Closing Date plus the aggregate Principal Amount of all Acquired Receivables (as at the date that such Acquired Receivables were transferred to the Issuer) that have been transferred to the Issuer since the Closing Date up to the relevant Cut-off Date; (vii) the balance of the Reserve Fund after the application of the Available Collections is less than the Reserve Fund Required Amount; (viii) the Arrears Ratio exceeds 1 per cent. (ix) Getin Noblefails to extend to the Issuer an Additional Set-Off Reserve Loan (x) The fraction of (A) the aggregate Principal Outstanding Balance of all the Acquired Receivables subject to a Restructuring during the immediately preceding 12 months over (B) the Principal Outstanding Balance of all the Acquired Receivables in the Portfolio exceeds 1 per cent. Current Value Trigger Value () Passed (Y/N) Y Y Y Y Y.43.8 1 1 5 7.5 1.11 1 Y Y 1.37 1 Y Y Y Page 9 of 31 tel: +44 2 758 3814 fax: +44 2 75 5877
Investor Report Date: 14-Apr-215 Asset Replenishment Ledger - Revolving Period = Yes Starting balance of the Asset Replenishment Ledger (ending balance from previous period) Debits during the period to purchase additional Receivables Amount debited to form part of Available Collections Asset Replenishment Amount Amount credited through the Pre-enforcement Order of Priority Debits at the Payment Date to purchase additional Receivables Ending balance of the Asset Replenishment Ledger (PLN) Accumulation Fund - Revolving Period = No (PLN) Starting balance of the Accumulation Account (ending balance from previous period) 63,864,144.42 Interest accrued on the Accumulation Account Amount debited to form part of Available Collections 63,864,144.42 Accumulation Fund Required Amount 98,183,127.89 Amount credited through the Pre-enforcement Order of Priority 98,183,127.89 Accumulation Fund Maximum 68,238,748.9 Amount released to Pre-enforcement Order of Priority as Accumulation Fund is greater that Accumulation Fund Maximum 98,178,287.14 Ending balance of the Accumulation Fund 4,84.75 Page 1 of 31 tel: +44 2 758 3814 fax: +44 2 75 5877
Investor Report Date: 14-Apr-215 Top 1 / 1 / 1 Obligors,5 /,41 / 2,55 Portfolio Composition Private New Private Used SME New SME Used 6,883 6,918 6,19 6,544 26,364 Outstanding Balance 26.11 146,587,938 26.24 126,64,783 22.83 225,45,187 24.82 183,744,572 1 682,387,481 21.48 18.55 33.4 26.93 1 31,735,489.58 255,424,374.7 463,52,545.45 37,498,532.55 1,399,71,941.65 22.2 18.25 33.8 26.47 1 Outstanding Balance (PLN) x 2, 2, < x 3, 3, < x 4, 4, < x 5, 5, < x 6, 6, < x 8, 8, < x 1, 1, < x 15, 15, < x 2, x > 2, 13,174 5,115 3,18 1,792 1,126 1,23 497 288 4 21 26,364 Outstanding Balance 49.97 136,254,675 19.4 125,61,137 11.79 17,332,16 6.8 79,852,655 4.27 61,366,427 4.56 82,442,923 1.89 43,934,482 1.9 33,729,522.15 6,69,6.8 5,174,584 1 682,387,481 19.97 18.41 15.73 11.7 8.99 12.8 6.44 4.94.98.76 1 489,84,232.57 247,21,78.57 185,93,111.7 129,975,936.19 97,653,666.51 123,995,239.53 62,259,48.85 46,533,31.65 9,792,681.22 6,771,924.86 1,399,71,941.65 34.99 17.65 13.28 9.29 6.98 8.86 4.45 3.32.7.48 1 Max Min Average 337,911.28.3 25,883.31 Page 11 of 31 tel: +44 2 758 3814 fax: +44 2 75 5877
Investor Report Date: 14-Apr-215 (PLN) x 2, 2, < x 3, 3, < x 4, 4, < x 5, 5, < x 6, 6, < x 8, 8, < x 1, 1, < x 15, 15, < x 2, x > 2, Max Min Average Outstanding Balance 1,767 4,317 5,164 4,336 2,991 3,475 1,933 1,931 343 17 26,364 6.7 16.37 19.59 16.45 11.35 13.18 7.33 7.32 1.3.41 1 11,831,843 5,2,44 85,77,929 92,353,358 78,369,248 117,995,722 86,533,421 113,674,992 3,15,841 15,569,688 682,387,481 1.73 7.36 12.56 13.53 11.48 17.29 12.68 16.66 4.42 2.28 1 27,515,819.53 19,33,115.33 18,448,64.16 193,962,967.54 163,329,48.53 239,43,697.64 173,219,932.53 227,224,928.56 57,388,137.73 28,544,294.1 1,399,71,941.65 1.97 7.79 12.89 13.86 11.67 17.8 12.38 16.23 4.1 2.4 1 5, 2,344.8 53,91.75 Origination Date (Year) Outstanding Balance 25 26 27 28 29 12 59 494 1,188 1,737.5.22 1.87 4.51 6.59 58,538 556,489 4,692,66 17,574,569 34,283,267.1.8.69 2.58 5.2 518,251.46 3,36,461.4 28,76,762.98 66,954,738.64 93,196,763.57.4.22 2.1 4.78 6.66 21 211 212 213 3,632 3,963 6,912 6,96 13.78 15.3 26.22 23.12 66,145,123 85,164,923 183,135,441 22,662,49.5 9.69 12.48 26.84 29.7 195,212,591.28 212,729,89.39 373,112,817.73 313,917,13.72 13.95 15.2 26.66 22.43 214 2,271 8.61 88,114,34.7 12.91 112,955,641.84 8.7 26,364 1 682,387,481 1 1,399,71,941.65 1 212 Page 12 of 31 tel: +44 2 758 3814 fax: +44 2 75 5877
Investor Report Date: 14-Apr-215 Seasoning (Months) Outstanding Balance x 1 1 < x 3 3 < x 6 6 < x 9 9 < x 12 12 < x 24 24 < x 36 36 < x 48 48 < x 6 6 < x 72 72 < x 84 84 < x 279 1,9 6,15 7,162 4,23 3,843 1,88 1,264 7 26,364 1.6 4.13 22.82 27.17 15.94 14.58 6.86 4.79 2.66 1 9,252,14 43,25,726 29,212,427 193,394,499 94,54,722 69,26,43 36,85,45 19,734,473 7,17,785 682,387,481 1.36 6.33 3.66 28.34 13.85 1.15 5.39 2.89 1.3 1 11,189,838.31 53,745,767.55 311,336,756.4 383,812,23.5 228,87,25.44 24,393,53.32 97,135,68.35 7,414,851.56 39,595,288.58 1,399,71,941.65.8 3.84 22.24 27.42 16.3 14.6 6.94 5.3 2.83 1 33.6 Maturity Date (Year) 212 213 214 215 216 217 218 219 22 221 222 Outstanding Balance 6 4,516 5,821 5,83 4,766 2,611 1,474 98.2 17.13 22.8 22.1 18.8 9.9 5.59 3.72 8,415 27,625,253 98,54,14 151,936,567 165,24,598 17,279,115 64,84,418 47,47,13.36 4.5 14.37 22.27 24.18 15.72 9.5 6.96 253,794.17 218,21,559.77 293,446,582.49 33,189,47.28 266,175,973.52 151,287,578.37 86,684,57.2 57,256,92.69.2 15.58 2.96 21.66 19.2 1.81 6.19 4.9 387 1.47 2,184,98.67 2.96 23,395,86.16 1.67 26,364 1 682,387,481 1 1,399,71,941.65 1 218 Page 13 of 31 tel: +44 2 758 3814 fax: +44 2 75 5877
Investor Report Date: 14-Apr-215 Remaining Term (Months) x 24 11,989 24<x 36 5,651 36<x 48 4,268 48<x 6 2,11 6<x 72 1,31 72<x 84 896 84<x 96 149 x>96 26,364 45.47 21.43 16.19 7.97 4.97 3.4.57 1 Outstanding Balance 164,115,759 161,353,528 156,683,663 88,499,984 59,674,921 44,542,291 7,517,336 682,387,481 24.5 23.65 22.96 12.97 8.75 6.53 1.1 1 595,82,858.97 32,8,319.27 239,666,115.44 123,639,764.91 77,778,673.75 52,796,94.92 8,666,34.39 1,399,71,941.65 42.51 21.58 17.12 8.83 5.56 3.77.62 1 39.68 Current Interest Rate () X = < X 8 8 < X 9 9 < X 1 1 < X 11 11 < X 12 12 < X 13 13 < X 14 14 < X 15 15 < X 16 16 < X 17 17 < X 19 19 < X 22 5,586 6,889 3,41 1,836 2 1 26,364 Outstanding Balance 21.19 74,33,299 26.13 19,645,97 11.53 17,259,767 41.1 31,416,368.1 4,549.4 27,591 1 682,387,481 1.85 27.94 15.72 45.49 1 227,5,28.29 34,41,27.45 193,517,659.46 638,349,245.33 168,947.37 583,853.75 1,399,71,941.65 16.22 24.29 13.83 45.61.1.4 1 7.87 Page 14 of 31 tel: +44 2 758 3814 fax: +44 2 75 5877
Investor Report Date: 14-Apr-215 Contractual Current Interest Rate () X = < X 8 8 < X 9 9 < X 1 1 < X 11 11 < X 12 12 < X 13 13 < X 14 14 < X 15 15 < X 16 16 < X 17 17 < X 19 19 < X 22 7,94 3,375 15,863 4 28 26,364 Outstanding Balance 26.91 192,778,145 12.8 11,47,784 6.17 379,19,442.2 8,318.11 83,791 1 682,387,481 28.25 16.18 55.56.1 1 348,717,719.4 26,664,5.99 842,835,123.23 235,32.9 1,258,566.3 1,399,71,941.65 24.91 14.76 6.21.2.9 1 8.94 Principal Only (Consumer Loan Agreement) Yes No Collateral Seniority Ranking Partial Assignment of Vehicle Assignment of Vehicle Obligation of Assignment 5,586 2,778 26,364 18,364 76 7,924 26,364 Outstanding Balance 74,33,299 1.85 227,5,28.29 68,354,182 89.15 1,172,66,913.36 682,387,481 1 1,399,71,941.65 21.19 78.81 1 69.66.29 3.6 1 16.22 83.78 1 Outstanding Balance 493,189,217 72.27 1,36,69,3.91 2,121,354.31 5,68,875.59 187,76,99 27.42 358,573,62.15 682,387,481 1 1,399,71,941.65 74.2.36 25.62 1 Page 15 of 31 tel: +44 2 758 3814 fax: +44 2 75 5877
Investor Report Date: 14-Apr-215 Brand Opel Renault Volkswagen Fiat Hyundai Ford Mercedes Toyota Audi Peugeot Kia Citroen Skoda Honda BMW Nissan Chevrolet Mitsubishi Seat Volvo Other 3,736 1,983 1,561 1,835 1,133 1,76 671 976 74 1,239 97 1,279 1,135 663 476 562 1,298 42 422 369 3,244 26,364 Outstanding Balance 14.17 76,197,63 7.52 51,247,189 5.92 42,9,347 6.96 47,54,968 4.3 2,785,315 6.47 36,877,846 2.55 3,317,542 3.7 24,766,121 2.67 25,85,823 4.7 27,866,958 3.68 23,487,436 4.85 27,759,715 4.31 25,199,72 2.51 17,914,435 1.81 2,91,128 2.13 15,677,265 4.92 26,12,231 1.52 11,645,228 1.6 7,772,891 1.4 12,48,19 12.3 19,96,6 1 682,387,481 11.17 7.51 6.29 6.97 3.5 5.4 4.44 3.63 3.79 4.8 3.44 4.7 3.69 2.63 3.6 2.3 3.83 1.71 1.14 1.83 15.99 1 154,674,333.47 16,174,795.71 85,769,199.39 92,986,39.48 5,395,857.2 72,119,744.99 61,352,69.16 5,476,948.93 5,243,757.32 58,743,166.89 48,874,94.27 57,468,713.68 49,668,84.2 38,79,173.74 41,84,788.71 33,392,864.11 49,742,59.77 27,127,939.9 17,581,436.41 24,922,822.92 227,445,144.39 1,399,71,941.65 11.5 7.59 6.13 6.64 3.6 5.15 4.38 3.61 3.59 4.2 3.49 4.11 3.55 2.77 2.99 2.39 3.55 1.94 1.26 1.78 16.25 1 Type Car Truck or bus over 3.5t Truck or bus up to 3.5t 21,643 3,534 1,187 26,364 Outstanding Balance 51,622,22 73.51 1,3,771,784.82 122,74,977 17.99 248,52,74.33 58,24,31 8.5 12,886,416.5 682,387,481 1 1,399,71,941.65 82.9 13.4 4.5 1 73.64 17.72 8.64 1 Page 16 of 31 tel: +44 2 758 3814 fax: +44 2 75 5877
Investor Report Date: 14-Apr-215 Region Sląskie Mazowieckie Wielkopolskie Dolnośląskie Małopolskie Lódzkie Zachodniopomorskie Kujawsko-Pomorskie Pomorskie Podkarpackie Lubelskie Warmińsko-mazurskie Lubuskie Opolskie Podlaskie Swiętokrzyskie 5,514 3,675 2,626 2,147 1,94 1,858 1,167 1,279 1,177 1,77 835 779 659 69 518 423 26,364 Outstanding Balance 2.91 123,825,92 13.94 97,441,75 9.96 68,963,557 8.14 62,15,762 7.36 49,699,792 7.5 45,238,932 4.43 34,281,933 4.85 34,922,398 4.46 32,575,536 4.9 3,21,36 3.17 2,839,577 2.95 21,217,691 2.5 17,919,387 2.62 16,675,366 1.96 14,388,21 1.6 12,9,617 1 682,387,481 18.15 14.28 1.11 9.1 7.28 6.63 5.2 5.12 4.77 4.43 3.5 3.11 2.63 2.44 2.11 1.77 1 258,99,568.64 192,458,646.13 14,35,99.68 125,348,84.89 11,579,533.84 97,76,496.8 7,59,189.7 69,156,493.6 65,64,377.74 62,231,51.15 44,425,729.5 44,878,954.27 37,488,46.21 34,415,19.4 29,582,298.36 25,696,822.63 1,399,71,941.65 18.5 13.75 1.3 8.96 7.26 6.94 5.4 4.94 4.69 4.45 3.17 3.21 2.68 2.46 2.11 1.84 1 Page 17 of 31 tel: +44 2 758 3814 fax: +44 2 75 5877
Investor Report Date: 14-Apr-215 Private New - Outstanding Balance (PLN) x 2, 2, < x 3, 3, < x 4, 4, < x 5, 5, < x 6, 6, < x 8, 8, < x 1, 1, < x 15, 15, < x 2, x > 2, Average 3,828 1,435 78 418 217 146 41 14 2 2 6,883 21,297.1 Outstanding Balance 38,198,467 26.6 138,925,587.4 35,211,12 24.2 65,1,667.84 26,937,223 18.38 42,324,11.74 18,577,584 12.67 27,152,96.69 11,83,891 8.7 16,286,613.91 9,877,663 6.74 13,124,272.17 3,58,358 2.44 4,652,161.22 1,617,6 1.1 2,29,34.93 31,23.21 351,47.2 447,549.31 528,591.84 146,587,938 1 31,735,489.58 55.62 2.85 11.33 6.7 3.15 2.12.6.2.3.3 1 44.71 2.95 13.62 8.74 5.24 4.22 1.5.74.11.17 1 Private New - (PLN) x 2, 2, < x 3, 3, < x 4, 4, < x 5, 5, < x 6, 6, < x 8, 8, < x 1, 1, < x 15, 15, < x 2, x > 2, 437 1,87 1,714 1,48 876 847 289 132 15 6 6,883 Outstanding Balance 6.35 2,759,539 15.79 11,866,51 24.9 26,772,83 21.5 3,669,597 12.73 22,959,786 12.31 28,844,815 4.2 13,234,25 1.92 7,32,932.22 1,441,574.9 736,134 1 146,587,938 1.88 8.1 18.26 2.92 15.66 19.68 9.3 4.98.98.5 1 6,85,357.32 27,517,52.74 6,1,926.44 66,287,881.48 47,795,7.95 57,53,582.8 25,562,277.84 15,232,384.16 2,548,573.81 1,48,914.4 31,735,489.58 2.2 8.86 19.31 21.33 15.38 18.51 8.23 4.9.82.45 1 Average 45,145.36 Page 18 of 31 tel: +44 2 758 3814 fax: +44 2 75 5877
Investor Report Date: 14-Apr-215 Private New - Seasoning (Months) x 1 1 < x 3 3 < x 6 6 < x 9 9 < x 12 12 < x 24 24 < x 36 36 < x 48 48 < x 6 6 < x 72 72 < x 84 84 < x 124 375 1,463 1,342 887 1,143 63 596 35 6,883 Outstanding Balance 1.8 4,324,483 5.45 12,677,388 21.26 39,985,4 19.5 3,889,251 12.89 17,397,329 16.61 17,143,941 8.76 11,663,768 8.66 9,35,492 5.8 3,471,282 1 146,587,938 2.95 8.65 27.28 21.7 11.87 11.7 7.96 6.16 2.37 1 5,256,277.63 16,136,987.2 6,558,253.8 58,677,193.93 4,429,138.28 5,259,237.3 3,532,468.36 31,231,75.93 17,654,183.14 31,735,489.58 1.69 5.19 19.49 18.88 13.1 16.17 9.83 1.5 5.68 1 36.16 Private New - Remaining Term (Months) x 24 24<x 36 36<x 48 48<x 6 6<x 72 72<x 84 84<x 96 x>96 3,164 1,358 1,54 62 363 263 79 6,883 Outstanding Balance 45.97 31,58,562 19.73 31,124,13 15.31 31,334,314 8.75 21,923,986 5.27 15,11,312 3.82 11,69,433 1.15 3,914,22 1 146,587,938 21.54 21.23 21.38 14.96 1.3 7.92 2.67 1 128,713,961.33 61,342,35.2 5,591,428.71 31,7,75.53 2,198,898.61 14,186,418.88 4,632,41.5 31,735,489.58 41.42 19.74 16.28 1 6.5 4.57 1.49 1 42.53 Page 19 of 31 tel: +44 2 758 3814 fax: +44 2 75 5877
Investor Report Date: 14-Apr-215 Private New - Current Interest Rate () X = < X 8 8 < X 9 9 < X 1 1 < X 11 11 < X 12 12 < X 13 13 < X 14 14 < X 15 15 < X 16 16 < X 17 17 < X 19 19 < X 22 2,87 2,638 517 858 6,883 Outstanding Balance 41.7 39,315,595 38.33 64,229,56 7.51 16,399,131 12.47 26,643,77 1 146,587,938 26.82 43.82 11.19 18.18 1 124,971,181.9 11,931,573.86 25,999,77.8 48,832,964.55 31,735,489.58 4.22 35.7 8.37 15.72 1 5.77 Page 2 of 31 tel: +44 2 758 3814 fax: +44 2 75 5877
Investor Report Date: 14-Apr-215 Private Used - Outstanding Balance (PLN) x 2, 2, < x 3, 3, < x 4, 4, < x 5, 5, < x 6, 6, < x 8, 8, < x 1, 1, < x 15, 15, < x 2, x > 2, Average 4,44 1,38 627 252 12 8 18 17 2 6,918 18,3.78 Outstanding Balance 45,646,275 36.5 131,53,71.1 33,554,716 26.5 55,872,394.5 21,417,29 16.92 31,874,951.65 11,221,885 8.86 16,44,158.3 5,535,437 4.37 7,821,95.35 5,357,641 4.23 7,215,484.66 1,58,415 1.25 2,33,157.58 1,971,94 1.56 2,59,531.56 319,481.25 441,36.9 126,64,783 1 255,424,374.7 64.18 19.95 9.6 3.64 1.47 1.16.26.25.3 1 51.49 21.87 12.48 6.28 3.6 2.82.8 1.1.17 1 Private Used - (PLN) x 2, 2, < x 3, 3, < x 4, 4, < x 5, 5, < x 6, 6, < x 8, 8, < x 1, 1, < x 15, 15, < x 2, x > 2, 936 1,988 1,763 1,61 485 433 167 68 12 5 6,918 Outstanding Balance 13.53 6,725,262 28.74 24,66,746 25.48 31,77,319 15.34 23,883,79 7.1 13,21,635 6.26 14,659,877 2.41 7,293,597.98 4,31,573.17 1,121,732.7 543,332 1 126,64,783 5.31 19.1 24.55 18.86 1.43 11.58 5.76 3.18.89.43 1 14,763,181.22 5,43,128.24 61,369,12.44 47,176,574.2 26,395,515.82 29,634,67.11 14,933,525.11 7,918,984.7 2,23,36.4 1,166,422.37 255,424,374.7 5.78 19.59 24.3 18.47 1.33 11.6 5.85 3.1.79.46 1 Average 36,921.71 Page 21 of 31 tel: +44 2 758 3814 fax: +44 2 75 5877
Investor Report Date: 14-Apr-215 Private Used - Seasoning (Months) x 1 1 < x 3 3 < x 6 6 < x 9 9 < x 12 12 < x 24 24 < x 36 36 < x 48 48 < x 6 6 < x 72 72 < x 84 84 < x 131 39 1,491 1,516 1,7 1,8 739 391 173 6,918 Outstanding Balance 1.89 3,74,365 5.64 11,423,172 21.55 36,348,81 21.91 26,792,159 14.56 15,259,877 15.61 15,975,438 1.68 11,939,421 5.65 4,294,27 2.5 832,63 1 126,64,783 2.95 9.2 28.71 21.16 12.5 12.62 9.43 3.39.66 1 4,484,96.94 14,146,966.87 52,22,14.55 49,817,28.33 34,519,992.77 42,745,491.59 33,19,174.55 17,173,321.96 7,316,16.51 255,424,374.7 1.76 5.54 2.44 19.5 13.51 16.74 12.93 6.72 2.86 1 34.54 Private Used - Remaining Term (Months) x 24 24<x 36 36<x 48 48<x 6 6<x 72 72<x 84 84<x 96 x>96 2,833 1,582 1,225 587 342 31 48 6,918 Outstanding Balance 4.95 24,466,635 22.87 3,571,53 17.71 29,864,957 8.49 17,286,496 4.94 11,472,497 4.35 11,24,559.69 1,918,587 1 126,64,783 19.33 24.15 23.59 13.65 9.6 8.71 1.52 1 96,18,952.45 6,14,336.84 46,76,52.6 23,215,778.56 14,476,166.33 12,733,317.88 2,97,31.41 255,424,374.7 37.66 23.5 18.29 9.9 5.67 4.99.82 1 41.69 Page 22 of 31 tel: +44 2 758 3814 fax: +44 2 75 5877
Investor Report Date: 14-Apr-215 Private Used - Current Interest Rate () X = < X 8 8 < X 9 9 < X 1 1 < X 11 11 < X 12 12 < X 13 13 < X 14 14 < X 15 15 < X 16 16 < X 17 17 < X 19 19 < X 22 2,716 1,697 69 1,815 6,918 Outstanding Balance 39.26 34,717,73 24.53 34,895,221 9.97 15,77,189 26.24 41,914,67 1 126,64,783 27.42 27.56 11.91 33.11 1 12,78,847.2 58,239,475.14 24,239,164.95 7,866,886.78 255,424,374.7 39.96 22.8 9.49 27.74 1 6.22 Page 23 of 31 tel: +44 2 758 3814 fax: +44 2 75 5877
Investor Report Date: 14-Apr-215 SME New - Outstanding Balance (PLN) x 2, 2, < x 3, 3, < x 4, 4, < x 5, 5, < x 6, 6, < x 8, 8, < x 1, 1, < x 15, 15, < x 2, x > 2, Average 2,7 975 827 593 463 636 295 175 31 17 6,19 37,456.42 Outstanding Balance 2,883,43 9.26 17,114,965.68 24,227,97 1.75 6,151,115.58 28,749,2 12.75 58,271,7.98 26,563,49 11.78 47,467,752.46 25,326,38 11.23 43,38,578.29 43,812,447 19.43 67,324,823.43 26,52,917 11.56 36,948,75.53 2,395,282 9.5 28,88,68.1 5,25,684 2.33 8,13,552.14 4,189,35 1.86 5,572,3.35 225,45,187 1 463,52,545.45 33.34 16.2 13.74 9.85 7.69 1.57 4.9 2.91.52.28 1 23.13 12.99 12.58 1.25 9.35 14.54 7.98 6.24 1.73 1.2 1 SME New - (PLN) x 2, 2, < x 3, 3, < x 4, 4, < x 5, 5, < x 6, 6, < x 8, 8, < x 1, 1, < x 15, 15, < x 2, x > 2, 157 244 568 731 727 1,155 949 1,244 155 89 6,19 Outstanding Balance 2.61 81,46 4.5 2,417,712 9.44 9,19,228 12.14 15,23,23 12.8 18,27,498 19.19 38,67,473 15.77 41,253,632 2.67 73,477,36 2.58 13,621,3 1.48 13,346,32 1 225,45,187.36 1.7 4. 6.76 8.8 16.89 18.3 32.59 6.4 5.92 1 2,57,552.66 6,134,78.5 19,881,747.96 32,838,296.87 39,896,155.22 8,178,498.73 85,59,672.77 146,35,769.13 26,197,247.89 24,241,824.17 463,52,545.45.44 1.32 4.29 7.9 8.62 17.32 18.48 31.54 5.66 5.24 1 Average 76,931.81 Page 24 of 31 tel: +44 2 758 3814 fax: +44 2 75 5877
Investor Report Date: 14-Apr-215 SME New - Seasoning (Months) x 1 1 < x 3 3 < x 6 6 < x 9 9 < x 12 12 < x 24 24 < x 36 36 < x 48 48 < x 6 6 < x 72 72 < x 84 84 < x 6 18 1,576 1,78 934 932 268 24 139 6,19 Outstanding Balance.1 288,942 2.99 12,18,387 26.18 77,544,767 29.57 66,857,57 15.52 29,396,278 15.48 22,57,914 4.45 9,163,114 3.39 5,98,996 2.31 2,412,283 1 225,45,187.13 5.4 34.4 29.66 13.4 9.98 4.6 2.26 1.7 1 348,43.81 14,913,23.41 116,768,235.17 133,862,55.3 74,13,468.73 71,734,877.3 21,938,279.88 17,1,513.68 12,256,688.71 463,52,545.45.8 3.22 25.22 28.91 16.1 15.49 4.74 3.69 2.65 1 31.79 SME New - Remaining Term (Months) x 24 24<x 36 36<x 48 48<x 6 6<x 72 72<x 84 84<x 96 x>96 2,88 1,231 1,14 427 295 155 17 6,19 Outstanding Balance 47.85 57,778,229 2.45 51,772,15 16.85 57,39,37 7.9 27,177,576 4.9 18,352,692 2.58 11,863,463.28 1,196,76 1 225,45,187 25.63 22.96 25.42 12.5 8.14 5.26.53 1 24,54,279.48 94,931,655.92 85,41,2.91 38,646,736.19 24,341,855.1 14,271,956.97 1,44,86.97 463,52,545.45 44.7 2.5 18.44 8.35 5.26 3.8.3 1 38.67 Page 25 of 31 tel: +44 2 758 3814 fax: +44 2 75 5877
Investor Report Date: 14-Apr-215 SME New - Current Interest Rate () X = < X 8 8 < X 9 9 < X 1 1 < X 11 11 < X 12 12 < X 13 13 < X 14 14 < X 15 15 < X 16 16 < X 17 17 < X 19 19 < X 22 1,876 1,484 2,655 1 3 6,19 Outstanding Balance 31.17 68,58,621 24.66 64,249,1 44.11 92,671,488.2 4,534.5 16,534 1 225,45,187 3.39 28.5 41.11.1 1 132,235,582.78 121,89,667.73 29,428,859.17 114,21.53 184,225.24 463,52,545.45 28.56 26.15 45.23.2.4 1 8.79 Page 26 of 31 tel: +44 2 758 3814 fax: +44 2 75 5877
Investor Report Date: 14-Apr-215 SME Used - Outstanding Balance (PLN) x 2, 2, < x 3, 3, < x 4, 4, < x 5, 5, < x 6, 6, < x 8, 8, < x 1, 1, < x 15, 15, < x 2, x > 2, Average 2,899 1,325 874 529 344 341 143 82 5 2 6,544 28,78.33 Outstanding Balance 31,526,53 17.16 112,232,969.75 32,616,332 17.75 65,897,531.1 3,228,762 16.45 53,432,978.33 23,489,776 12.78 39,311,929.1 18,674,6 1.16 3,236,523.96 23,395,172 12.73 36,33,659.27 12,72,792 6.92 18,626,14.52 9,745,277 5.3 12,771,551.15 89,871.44 987,45.79 538,.29 671,329.67 183,744,572 1 37,498,532.55 44.3 2.25 13.36 8.8 5.26 5.21 2.19 1.25.8.3 1 3.29 17.79 14.42 1.61 8.16 9.81 5.3 3.45.27.18 1 SME Used - (PLN) x 2, 2, < x 3, 3, < x 4, 4, < x 5, 5, < x 6, 6, < x 8, 8, < x 1, 1, < x 15, 15, < x 2, x > 2, 237 998 1,119 1,64 93 1,4 528 487 161 7 6,544 Outstanding Balance 3.62 1,536,996 15.25 11,849,472 17.1 18,838,579 16.26 22,569,849 13.8 24,,328 15.89 36,423,557 8.7 24,751,942 7.44 28,863,127 2.46 13,966,533.11 944,19 1 183,744,572.84 6.45 1.25 12.28 13.6 19.82 13.47 15.71 7.6.51 1 3,844,728.33 25,337,686.3 39,195,953.32 47,66,215.17 49,242,666.54 71,699,946. 47,133,456.81 58,37,79.57 26,618,955.99 1,727,133.52 37,498,532.55 1.4 6.84 1.58 12.86 13.29 19.35 12.72 15.66 7.18.47 1 Average 56,616.52 Page 27 of 31 tel: +44 2 758 3814 fax: +44 2 75 5877
Investor Report Date: 14-Apr-215 SME Used - Seasoning (Months) x 1 1 < x 3 3 < x 6 6 < x 9 9 < x 12 12 < x 24 24 < x 36 36 < x 48 48 < x 6 6 < x 72 72 < x 84 84 < x 18 145 1,485 2,524 1,375 688 198 73 38 6,544 Outstanding Balance.28 898,225 2.22 6,924,779 22.69 55,334,575 38.57 68,855,582 21.1 32,451,237 1.51 13,633,137 3.3 4,39,11 1.12 1,35,777.58 32,157 1 183,744,572.49 3.77 3.11 37.47 17.66 7.42 2.2.71.16 1 1,11,59.93 8,548,79.7 81,88,127.24 141,455,926.21 79,7,425.66 39,653,924.67 11,645,757.56 4,99,264.99 2,368,256.22 37,498,532.55.3 2.31 22.8 38.18 21.32 1.7 3.14 1.33.64 1 31.13 SME Used - Remaining Term (Months) x 24 24<x 36 36<x 48 48<x 6 6<x 72 72<x 84 84<x 96 x>96 3,112 1,48 975 485 31 177 5 6,544 Outstanding Balance 47.56 5,29,333 22.62 47,886,195 14.9 38,175,22 7.41 22,111,925 4.74 14,748,42 2.7 1,44,837.8 487,841 1 183,744,572 27.37 26.6 2.78 12.3 8.3 5.47.27 1 166,133,665.71 85,792,21.49 56,966,965.22 3,77,174.63 18,761,753.8 11,65,211.19 531,74.51 37,498,532.55 44.84 23.16 15.38 8.29 5.6 3.13.14 1 37.28 Page 28 of 31 tel: +44 2 758 3814 fax: +44 2 75 5877
Investor Report Date: 14-Apr-215 SME Used - Current Interest Rate () X = < X 8 8 < X 9 9 < X 1 1 < X 11 11 < X 12 12 < X 13 13 < X 14 14 < X 15 15 < X 16 16 < X 17 17 < X 19 19 < X 22 678 35 5,58 1 7 6,544 Outstanding Balance 1.36 23,12,558.83 5.35 11,534,437.25 84.17 149,186,53.45.2 15.7.11 11,57.12 1 183,744,571.72 12.52 6.28 81.19.1 1 38,634,575.67 22,189,56.7 39,22,534.83 54,736.84 399,628.51 37,498,532.55 1.43 5.99 83.46.1.11 1 9.56 Page 29 of 31 tel: +44 2 758 3814 fax: +44 2 75 5877
Investor Report Date: 14-Apr-215 Delinquencies - Days in Arrears > 1 <= 3 > 3 <= 6 > 6 <= 9 > 9 <= 12 > 12 <= 15 > 15 <= 18 Subtotal > 18 <= 21 > 21 <=24 > 24 <= 27 > 27 <= 3 > 3 <= 33 > 33 <= 36 > 36 Subtotal Number of Contracts 1,272 28 97 54 38 29 1,698 8 8 1,76 Number of Contracts () 4.82.79.37.2.14.11 6.44.3.3 6.47 Outstanding Nominal Balance 34,86,17.96 6,962,472.33 2,964,79.8 2,11,28.8 1,347,32.2 1,273,75.96 49,418,678.15 325,781.2 325,781.2 49,744,459.35 Outstanding Nominal Balance () 5.11 1.2.43.29.2.19 7.24.5.5 7.29 Defaults Private Individuals - New Vehicles New Defaults During the Period Private Individuals - Used Vehicles New Defaults During the Period SME Individuals - New Vehicles New Defaults During the Period SME Individuals - Used Vehicles New Defaults During the Period New Defaults During the Collection Period Current Period 193,722.58 452,986.34 1,86,985.38 1,53,384.13 3,264,78.43 Prior Period 343,779.6 86,54.93 1,677,323.4 1,149,264.61 4,3,98.18 2nd Prior Period 27,73.1 79,427.53 1,11,352.38 1,95,455.8 3,257,965.72 Page 3 of 31 tel: +44 2 758 3814 fax: +44 2 75 5877
Investor Report Date: 14-Apr-215 Recoveries Outstanding Nominal Defaulted Balance at the start of the Collection Period Private Individuals - New Vehicles New Defaults during this Period Recoveries during the Period Write Down During the Period Private Individuals - Used Vehicles New Defaults during this Period Recoveries during the Period Write Down During the Period SME Individuals - Used Vehicles New Defaults during this Period Recoveries during the Period Write Down During the Period SME Individuals - New Vehicles New Defaults during this Period Recoveries during the Period Write Down During the Period Outstanding Nominal Defaulted Balance at the end of the Collection Period Current Period 47,454.98 193,722.58-146,267.6 33,664.35 452,986.34-419,321.99 117,43.8 1,86,985.38-969,941.58 148,522. 1,53,384.13-1,381,862.13 346,685.13 Prior Period 343,779.6-343,779.6 86,54.93-86,54.93 1,677,323.4-1,677,323.4 1,149,264.61-1,149,264.61 2nd Prior Period 27,73.1-27,73.1 79,427.53-79,427.53 1,11,352.38-1,11,352.38 1,95,455.8-1,95,455.8 Page 31 of 31 tel: +44 2 758 3814 fax: +44 2 75 5877