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SC Germany Auto 2014-2
Monthly Investor Report
SC Germany Auto 2014-2 Reporting Date 09.11.2018
Monthly Investor Report Payment Date 12.11.2018
Period No 50
Cover Sheet Monthly Investor Report Monthly Period Nov 2018
Interest Period from 11.10.2018 to 12.11.2018 = 32 days
Collection Period from 01.10.2018 to 31.10.2018
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 / Distribution 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 29
23. Counterparties 30
24. Issuer Information 31
25. Santander Consumer Bank 32
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 09.11.2018
Monthly Investor Report Payment Date 12.11.2018
Period No 50
1. Portfolio Information Monthly Period Nov 2018
Interest Period from 11.10.2018 to 12.11.2018 = 32 days
Collection Period from 01.10.2018 to 31.10.2018
current period previous period
Outstanding ReceivablesNo. of
Contracts
Aggregate Outstanding
Principal Amount
Aggregate Outstanding
Principal Amount
Beginning of Period 351.633 2.883.788.816,01 € 2.999.999.999,83 €
Scheduled Principal Payments 75.018.791,24 €
Prepayment Principal 40.182.948,59 €
Others 2.630.429,16 €
Total Principal Collections 117.832.168,99 € 115.457.200,28 €
Total Interest Collections 12.761.723,72 € 13.003.264,80 €
Defaults 789.737,78 € 753.983,54 €
Replenishment Amount - € - €
End of Period 340.875 2.765.166.909,24 € 2.883.788.816,01 €
Purchase Shortfall Amount 244,26 € 93,99 €
Total Assets (End of Period) 2.765.167.153,50 € 2.883.788.910,00 €
Current Prepayment Rate (annualised) 15,5%
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 09.11.2018
Monthly Investor Report Payment Date 12.11.2018
Period No 50
2. Reserve Accounts Monthly Period Nov 2018
Interest Period from 11.10.2018 to 12.11.2018 = 32 days
Collection Period from 01.10.2018 to 31.10.2018
Note BalanceBeginning of Period 2.883.788.910,00 €
End of Period 2.765.167.153,50 €
Reserve AccountsReserve Account in % Trigger Event y/n
Beginning of Period 1,04% 30.000.000,00 €
Cash Outflow - €
Cash Inflow - €
End of Period 1,08% 30.000.000,00 €
Required Reserve Fund 1,08% 30.000.000,00 €
Commingling Reserve in %
Beginning of Period n/a no
Cash Outflow n/a
Cash Inflow n/a
End of Period n/a
Required Commingling Reserve Fund n/a
Set-Off Reserve in %
Beginning of Period n/a no
Cash Outflow n/a
Cash Inflow n/a
End of Period n/a
Required Set-Off Reserve Fund n/a
Current Set-Off Amount n/a
Set-Off Amount (per Loan) n/a
Set-Off Amount (in % of Outstanding Balance) n/a
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 09.11.2018
Monthly Investor Report Payment Date 12.11.2018
Period No 50
3. Delinquency Data Monthly Period Nov 2018
Interest Period from 11.10.2018 to 12.11.2018 = 32 days
Collection Period from 01.10.2018 to 31.10.2018
Note BalanceBeginning of Period 2.883.788.910,00 €
End of Period 2.765.167.153,50 €
Delinquency Data and Ratios3-MRA* /
current ratio Amount at risk Overdue amount
Number of
Loans
3-MRA* 1- 30 days past due 0,22%
1- 30 days past due period before previous period 6.801.960,43 € 585.204,43 € 804
1- 30 days past due previous period 5.368.476,38 € 460.934,54 € 601
1- 30 days past due current period 0,25% 7.168.789,31 € 671.085,04 € 831
3-MRA* 31- 60 days past due 0,20%
31- 60 days past due period before previous period 5.181.852,01 € 319.264,10 € 618
31- 60 days past due previous period 6.596.225,75 € 440.897,53 € 782
31- 60 days past due current period 0,19% 5.502.517,28 € 342.149,61 € 609
3-MRA* 61-90 days past due 0,08%
61- 90 days past due period before previous period 2.136.569,11 € 203.740,06 € 264
61- 90 days past due previous period 2.213.829,19 € 175.123,14 € 265
61- 90 days past due current period 0,09% 2.721.784,56 € 284.384,51 € 333
3-MRA* 91-120 days past due 0,05%
91- 120 days past due period before previous period 1.954.867,66 € 172.194,52 € 205
91- 120 days past due previous period 1.412.360,22 € 178.929,54 € 177
91- 120 days past due current period 0,04% 1.249.845,27 € 119.257,74 € 145
3-MRA* 121-150 days past due 0,03%
121- 150 days past due period before previous period 877.367,93 € 128.146,27 € 90
121- 150 days past due previous period 1.062.138,98 € 113.522,70 € 102
121- 150 days past due current period 0,03% 794.135,25 € 96.869,27 € 88
3-MRA* 151-180 days past due 0,04%
151- 180 days past due period before previous period 1.195.577,79 € 206.006,52 € 110
151- 180 days past due previous period 1.136.769,81 € 192.726,20 € 108
151- 180 days past due current period 0,05% 1.381.625,15 € 225.789,24 € 119
* 3-MRA stands for three months rolling average
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 09.11.2018
Monthly Investor Report Payment Date 12.11.2018
Period No 50
4. Default Data Monthly Period Nov 2018
Interest Period from 11.10.2018 to 12.11.2018 = 32 days
Collection Period from 01.10.2018 to 31.10.2018
Note BalanceBeginning of Period 2.883.788.910,00 €
End of Period 2.765.167.153,50 €
Default Data and Ratios Amount Number of Loans
Current Default
Current Period Gross Default 789.737,78 €
Current Period Recoveries 212.174,58 €
Current Period Net Default 577.563,20 €
New Number of Defaulted Contracts 90
Cumulative Default
Cumulative Gross Default 22.955.083,16 €
Cumulative Recoveries 4.371.208,37 €
Cumulative Net Default 18.583.874,79 €
Total Number of Defaulted Contracts 3.266
3-MRA* /
current ratio Ratio
3-MRA* Annualised Net Default Ratio (New Default) 0,27%
Annualised Loss Ratio period before previous period 0,31%
Annualised Loss Ratio previous period 0,26%
Annualised Loss Ratio current period 0,25% 0,25%
Principal Deficiency Trigger Event y/n
Principal Deficiency period before previous period - € no
Principal Deficiency previous period - €
Principal Deficiency current period - €
PDL Trigger 7.500.000,00 €
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
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 09.11.2018
Monthly Investor Report Payment Date 12.11.2018
Period No 50
5. Concentration Limits Monthly Period Nov 2018
Interest Period from 11.10.2018 to 12.11.2018 = 32 days
Collection Period from 01.10.2018 to 31.10.2018
Current Transaction Status Amortizing
Portfolio Concentrations Minimum-Trigger Maximum-Trigger Current Value Trigger Breach
New Vehicles (applicable for Replenishment Portfolio) 35,00% - - -
Average Yield (applicable for Total Portfolio) 4,25% - - -
Contracts with Balloon Rates (applicable for Total Portfolio) - 30,00% - -
Remaining Term (applicable for Total Portfolio) - 62,50 - -
Online Business (applicable for Total Portfolio) - 10,00% - -
Loans with Original Term of more than 90 months (applicable for Total Portfolio) - 37,00% - -
Early Amortisation Events Maximum-Trigger Current Value Trigger Breach
Cumulative Loss Ratio
- prior to or on 31 August 2015 0,75% - -
- prior to or on 31 August 2016 1,20% - -
- prior to or on 31 August 2017 1,80% - -
- prior to or on 31 August 2018 2,25% - -
Purchase Shortfall Event -
Period before previous period -
Previous period -
Current period -
Principal Deficiency Event -
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 09.11.2018
Monthly Investor Report Payment Date 12.11.2018
Period No 50
6. Outstanding Notes Monthly Period Nov 2018
Interest Period from 11.10.2018 to 12.11.2018 = 32 days
Collection Period from 01.10.2018 to 31.10.2018
1. Note Balance All notes Class A Class BGeneral Note Information
ISIN Code XS1107063676 XS1107063593
Currency EUR EUR
Initial Tranching in % 96,50% 3,50%
Legal Maturity Aug 2030 Aug 2030
Expected Maturity Jul 2022 Jul 2022
Original Rating (DBRS / S&P) A(sf) / A(sf) Not rated
Current Rating (DBRS / S&P)* A (high) (sf) / A(sf) Not rated
Initial Notes Aggregate Principal Outstanding Balance 3.000.000.000,00 € 2.895.000.000,00 € 105.000.000,00 €
Initial Nominal per Note 100.000,00 € 100.000,00 €
Initial Number of Notes per Class 28.950 1.050
Current Note Information
Class Principal Outstanding Balance Beginning of Period 2.883.788.910,00 € 2.778.788.910,00 € 105.000.000,00 €
Available Distribution Amount 160.806.161,28 €
Replenishment 0,00 €
Amortisation 118.621.756,50 €
Redemption per Class 118.621.756,50 € 118.621.756,50 € 0,00 €
Redemption per Note 4.097,47 € 0,00 €
Class Principal Outstanding Balance End of Period 2.765.167.153,50 € 2.660.167.153,50 € 105.000.000,00 €
Current Tranching 96,20% 3,80%
Current Pool Factor 0,92 1,00
2. Payments to Investors per Note All notes Class A Class B Interest Rate Basis: Fixed 1,209% 2,505%
DayCount Convention act/360 act/360
Interest Days 32
Principal Outstanding per Note Beginning of Period 95.985,80 € 100.000,00 €
> Principal Repayment per Note 4.097,47 € 0,00 €
Principal Outstanding per Note End of Period 91.888,33 € 100.000,00 €
> Interest accrued for the period 2.986.192,50 € 233.803,50 €
Interest Payment 2.986.192,50 € 233.803,50 €
Interest Payment per Note 103,15 € 222,67 €
3. Credit Enhancements Class A Class B Initial total CE (Subordination, Reserve) 4,50% 1,00%
Current CE (incl. Excess Spread) 7,87% 4,07%
Current CE (excl. Excess Spread) 4,88% 1,08%
* Last rating action as of 06.09.2016
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 09.11.2018
Monthly Investor Report Payment Date 12.11.2018
Period No 50
7. Original Principal Balance Monthly Period Nov 2018
Interest Period from 11.10.2018 to 12.11.2018 = 32 days
Collection Period from 01.10.2018 to 31.10.2018
Original Principal Balance
(Ranges in EUR)
Original Principal
Balance in EUR
Percentage of
Total Balance Number of Loans
Percentage of Total
Loans
0: 999 36.926,73 0,00% 46 0,01%
1000: 1999 1.426.748,16 0,03% 881 0,26%
2000: 2999 9.045.522,36 0,19% 3.559 1,04%
3000: 3999 26.265.630,72 0,55% 7.479 2,19%
4000: 4999 51.536.483,50 1,09% 11.434 3,35%
5000: 5999 85.660.142,99 1,81% 15.582 4,57%
6000: 6999 114.133.404,54 2,41% 17.513 5,14%
7000: 7999 141.722.488,59 2,99% 18.863 5,53%
8000: 8999 170.497.263,21 3,59% 20.039 5,88%
9000: 9999 194.513.722,66 4,10% 20.446 6,00%
10000:10999 242.395.028,19 5,11% 23.090 6,77%
11000:11999 239.979.101,35 5,06% 20.864 6,12%
12000:12999 245.234.273,56 5,17% 19.618 5,76%
13000:13999 249.606.698,60 5,26% 18.499 5,43%
14000:14999 244.908.448,77 5,16% 16.893 4,96%
15000:15999 249.507.531,96 5,26% 16.103 4,72%
16000:16999 235.976.532,76 4,97% 14.305 4,20%
17000:17999 216.295.013,73 4,56% 12.363 3,63%
18000:18999 204.936.428,64 4,32% 11.086 3,25%
19000:19999 189.031.535,41 3,98% 9.699 2,85%
20000:20999 185.293.564,77 3,91% 9.054 2,66%
21000:21999 176.648.165,23 3,72% 8.219 2,41%
22000:22999 151.069.754,77 3,18% 6.716 1,97%
23000:23999 132.680.627,47 2,80% 5.647 1,66%
24000:24999 121.879.742,77 2,57% 4.977 1,46%
25000:25999 108.305.998,49 2,28% 4.252 1,25%
26000:26999 99.031.081,60 2,09% 3.738 1,10%
27000:27999 87.847.066,38 1,85% 3.195 0,94%
28000:28999 77.555.247,94 1,63% 2.723 0,80%
29000:29999 66.416.151,41 1,40% 2.252 0,66%
30000:30999 57.850.386,37 1,22% 1.899 0,56%
31000:31999 49.890.262,00 1,05% 1.585 0,46%
32000:32999 44.050.501,37 0,93% 1.356 0,40%
33000:33999 36.006.276,16 0,76% 1.075 0,32%
34000:34999 30.594.737,83 0,64% 887 0,26%
35000:35999 26.115.021,62 0,55% 736 0,22%
36000:36999 22.119.583,93 0,47% 606 0,18%
37000:37999 19.903.380,74 0,42% 531 0,16%
38000:38999 17.119.851,19 0,36% 445 0,13%
39000:39999 15.273.637,37 0,32% 387 0,11%
40000:40999 14.586.717,92 0,31% 361 0,11%
41000:41999 9.832.147,49 0,21% 237 0,07%
42000:42999 10.409.665,28 0,22% 245 0,07%
43000:43999 7.133.965,43 0,15% 164 0,05%
44000:44999 7.071.257,18 0,15% 159 0,05%
45000:45999 5.637.093,89 0,12% 124 0,04%
46000:46999 4.884.638,18 0,10% 105 0,03%
47000:47999 4.321.494,88 0,09% 91 0,03%
48000:48999 4.361.647,33 0,09% 90 0,03%
49000:49999 4.056.460,96 0,09% 82 0,02%
50000:50999 3.576.241,95 0,08% 71 0,02%
51000:51999 2.835.958,84 0,06% 55 0,02%
52000:52999 3.148.021,15 0,07% 60 0,02%
53000:53999 2.190.345,29 0,05% 41 0,01%
54000:54999 1.690.221,84 0,04% 31 0,01%
55000:55999 2.105.041,80 0,04% 38 0,01%
56000:56999 2.141.860,21 0,05% 38 0,01%
57000:57999 1.720.704,47 0,04% 30 0,01%
58000:58999 876.746,60 0,02% 15 0,00%
59000:59999 714.422,69 0,02% 12 0,00%
60000:60000 360.000,00 0,01% 6 0,00%60001: 12.650.579,01 0,27% 178 0,05%
Total 4.744.665.198,23 100,00% 340.875 100,00%
Statistics in EUR
Average Amount 13.919,08
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 09.11.2018
Monthly Investor Report Payment Date 12.11.2018
Period No 50
7.1 Original PB (Graph) Monthly Period Nov 2018
Interest Period from 11.10.2018 to 12.11.2018 = 32 days
Collection Period from 01.10.2018 to 31.10.2018
0
50.000.000
100.000.000
150.000.000
200.000.000
250.000.000
300.000.000
Ori
gin
al P
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cip
al B
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Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 09.11.2018
Monthly Investor Report Payment Date 12.11.2018
Period No 50
8. Current Principal Balance Monthly Period Nov 2018
Interest Period from 11.10.2018 to 12.11.2018 = 32 days
Collection Period from 01.10.2018 to 31.10.2018
Current Principal Balance
(Ranges in EUR)
Current Principal
Balance in EUR
Percentage of
Total Balance Number of Loans
Percentage of Total
Loans
0: 999 10.718.347,48 0,39% 21.433 6,29%
1000: 1999 39.407.464,76 1,43% 26.207 7,69%
2000: 2999 67.657.244,91 2,45% 27.038 7,93%
3000: 3999 94.390.190,53 3,41% 26.987 7,92%
4000: 4999 120.328.244,98 4,35% 26.760 7,85%
5000: 5999 137.633.870,56 4,98% 25.036 7,34%
6000: 6999 155.953.503,45 5,64% 24.019 7,05%
7000: 7999 165.683.688,25 5,99% 22.124 6,49%
8000: 8999 168.936.586,99 6,11% 19.904 5,84%
9000: 9999 167.099.627,87 6,04% 17.611 5,17%
10000:10999 160.632.182,15 5,81% 15.315 4,49%
11000:11999 153.226.264,12 5,54% 13.341 3,91%
12000:12999 145.058.969,94 5,25% 11.617 3,41%
13000:13999 136.217.375,58 4,93% 10.100 2,96%
14000:14999 124.376.039,56 4,50% 8.586 2,52%
15000:15999 113.037.101,63 4,09% 7.302 2,14%
16000:16999 102.838.502,73 3,72% 6.239 1,83%
17000:17999 91.104.716,67 3,29% 5.211 1,53%
18000:18999 80.814.621,09 2,92% 4.372 1,28%
19000:19999 72.485.949,23 2,62% 3.721 1,09%
20000:20999 61.689.446,73 2,23% 3.010 0,88%
21000:21999 54.714.828,94 1,98% 2.547 0,75%
22000:22999 46.065.004,35 1,67% 2.049 0,60%
23000:23999 42.217.780,64 1,53% 1.798 0,53%
24000:24999 36.285.304,26 1,31% 1.481 0,43%
25000:25999 30.330.923,75 1,10% 1.190 0,35%
26000:26999 25.968.372,50 0,94% 981 0,29%
27000:27999 22.080.061,14 0,80% 803 0,24%
28000:28999 20.033.168,36 0,72% 703 0,21%
29000:29999 16.576.841,49 0,60% 562 0,16%
30000:30999 15.029.874,95 0,54% 493 0,14%
31000:31999 12.309.044,50 0,45% 391 0,11%
32000:32999 10.282.509,02 0,37% 317 0,09%
33000:33999 9.312.207,66 0,34% 278 0,08%
34000:34999 6.997.276,07 0,25% 203 0,06%
35000:35999 7.419.550,51 0,27% 209 0,06%
36000:36999 5.223.347,24 0,19% 143 0,04%
37000:37999 4.418.205,44 0,16% 118 0,03%
38000:38999 4.270.487,37 0,15% 111 0,03%
39000:39999 3.352.900,95 0,12% 85 0,02%
40000:40999 2.469.342,77 0,09% 61 0,02%
41000:41999 2.200.310,32 0,08% 53 0,02%
42000:42999 2.333.656,26 0,08% 55 0,02%
43000:43999 1.655.099,22 0,06% 38 0,01%
44000:44999 1.514.181,64 0,05% 34 0,01%
45000:45999 1.137.769,30 0,04% 25 0,01%
46000:46999 1.208.508,94 0,04% 26 0,01%
47000:47999 1.329.996,39 0,05% 28 0,01%
48000:48999 1.066.760,64 0,04% 22 0,01%
49000:49999 1.039.113,07 0,04% 21 0,01%
50000:50999 707.631,39 0,03% 14 0,00%
51000:51999 514.260,05 0,02% 10 0,00%
52000:52999 420.174,11 0,02% 8 0,00%
53000:53999 640.666,41 0,02% 12 0,00%
54000:54999 434.986,91 0,02% 8 0,00%
55000:55999 389.639,83 0,01% 7 0,00%
56000:56999 394.144,49 0,01% 7 0,00%
57000:57999 230.019,69 0,01% 4 0,00%
58000:58999 174.573,79 0,01% 3 0,00%
59000:59999 59.268,71 0,00% 1 0,00%60001: 3.069.176,96 0,11% 43 0,01%
Total 2.765.166.909,24 100,00% 340.875 100,00%
Statistics in EUR
Average Amount 8.111,97
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 09.11.2018
Monthly Investor Report Payment Date 12.11.2018
Period No 50
8.1 Current PB (Graph) Monthly Period Nov 2018
Interest Period from 11.10.2018 to 12.11.2018 = 32 days
Collection Period from 01.10.2018 to 31.10.2018
0
20.000.000
40.000.000
60.000.000
80.000.000
100.000.000
120.000.000
140.000.000
160.000.000
180.000.000
Cu
rren
t P
rin
cip
al
Bala
nce
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 09.11.2018
Monthly Investor Report Payment Date 12.11.2018
Period No 50
9. Borrower Concentration Monthly Period Nov 2018
Interest Period from 11.10.2018 to 12.11.2018 = 32 days
Collection Period from 01.10.2018 to 31.10.2018
No
Current Principal
Balance in EUR
Percentage of
Balance Number of Loans
1 120.709,87 0,0044% 1
2 95.827,25 0,0035% 1
3 95.590,52 0,0035% 1
4 87.708,15 0,0032% 1
5 85.532,96 0,0031% 2
6 82.006,64 0,0030% 1
7 81.917,18 0,0030% 1
8 81.840,19 0,0030% 1
9 79.134,19 0,0029% 2
10 78.982,30 0,0029% 1
11 77.770,49 0,0028% 1
12 77.118,84 0,0028% 1
13 75.948,83 0,0027% 1
14 75.243,58 0,0027% 1
15 75.024,13 0,0027% 1
16 74.358,57 0,0027% 1
17 73.869,82 0,0027% 1
18 73.255,33 0,0026% 1
19 72.972,79 0,0026% 2
20 72.575,70 0,0026% 1
21 71.374,39 0,0026% 1
22 69.617,35 0,0025% 1
23 69.592,80 0,0025% 3
24 67.743,26 0,0024% 1
25 67.682,97 0,0024% 1
1.983.398,10 0,0717% 30
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 09.11.2018
Monthly Investor Report Payment Date 12.11.2018
Period No 50
10. Geographical Distribution Monthly Period Nov 2018
Interest Period from 11.10.2018 to 12.11.2018 = 32 days
Collection Period from 01.10.2018 to 31.10.2018
State
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
Baden-Wuerttemberg 269.477.657,84 9,75% 31.605 9,27%
Bavaria 266.409.936,95 9,63% 31.065 9,11%
Berlin 54.215.298,15 1,96% 6.735 1,98%
Brandenburg 168.266.786,03 6,09% 21.533 6,32%
Bremen 15.766.451,75 0,57% 1.967 0,58%
Hamburg 28.433.177,80 1,03% 3.572 1,05%
Hesse 158.581.799,22 5,73% 19.247 5,65%
Lower Saxony 291.468.468,38 10,54% 35.909 10,53%
Mecklenburg-Western Pomerania 153.637.419,28 5,56% 19.407 5,69%
North Rhine-Westphalia 509.015.878,34 18,41% 62.853 18,44%
Rhineland-Palatinate 124.023.579,47 4,49% 14.898 4,37%
Saarland 41.234.417,26 1,49% 4.764 1,40%
Saxonia 182.239.917,24 6,59% 24.722 7,25%
Saxony-Anhalt 223.463.289,09 8,08% 28.094 8,24%
Schleswig-Holstein 108.923.242,61 3,94% 13.619 4,00%
Thuringia 164.820.310,89 5,96% 20.253 5,94%
n/a 5.189.278,94 0,19% 632 0,19%
Total 2.765.166.909,24 100,00% 340.875 100,00%
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 09.11.2018
Monthly Investor Report Payment Date 12.11.2018
Period No 50
10.1 Geographical Distribution (Graph) Monthly Period Nov 2018
Interest Period from 11.10.2018 to 12.11.2018 = 32 days
Collection Period from 01.10.2018 to 31.10.2018
0
100.000.000
200.000.000
300.000.000
400.000.000
500.000.000
600.000.000
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Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 09.11.2018
Monthly Investor Report Payment Date 12.11.2018
Period No 50
11. Object/Vehicle Type Monthly Period Nov 2018
Interest Period from 11.10.2018 to 12.11.2018 = 32 days
Collection Period from 01.10.2018 to 31.10.2018
Vehicle Type
Current Principal Balance in
EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
New Vehicle 1.035.307.585,01 37,44% 108.317 31,78%Used Vehicle 1.729.859.324,23 62,56% 232.558 68,22%
Total 2.765.166.909,24 100,00% 340.875 100,00%
Object Type
Current Principal Balance in
EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
Car 2.664.426.710,98 96,36% 325.880 95,60%
Leisure 52.109.500,60 1,88% 4.294 1,26%Motorbike 48.630.697,66 1,76% 10701 3,14%
Total 2.765.166.909,24 100,00% 340.875 100,00%
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 09.11.2018
Monthly Investor Report Payment Date 12.11.2018
Period No 50
12. Insurances Monthly Period Nov 2018
Interest Period from 11.10.2018 to 12.11.2018 = 32 days
Collection Period from 01.10.2018 to 31.10.2018
Payment Protection
Insurance
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
No 791.295.773,40 28,62% 98.462 28,89%Yes 1.973.871.135,84 71,38% 242.413 71,11%
Total 2.765.166.909,24 100,00% 340.875 100,00%
Gap Insurance
(Santander Safe)
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
No 1.791.889.515,84 64,80% 234.610 68,83%Yes 973.277.393,40 35,20% 106.265 31,17%
Total 2.765.166.909,24 100,00% 340.875 100,00%
Repair Cost Insurance
(Santander AutoCare)
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
No 2.498.936.273,63 90,37% 308.222 90,42%Yes 266.230.635,61 9,63% 32.653 9,58%
Total 2.765.166.909,24 100,00% 340.875 100,00%
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 09.11.2018
Monthly Investor Report Payment Date 12.11.2018
Period No 50
13. Type of Contract Monthly Period Nov 2018
Interest Period from 11.10.2018 to 12.11.2018 = 32 days
Collection Period from 01.10.2018 to 31.10.2018
Contracts w/Balloon Payments
Current Principal Balance
in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
No 2.190.937.000,46 79,23% 291.362 85,47%
Yes 574.229.908,78 20,77% 49.513 14,53%
- of which balloon rates 375.440.305,91 13,58%
- of which regular installments 198.789.602,87 7,19%
Total 2.765.166.909,24 100,00% 340.875 100,00%
Balloon Loans - Original Term
in months
Balloon Rates
in EUR
Balloon Rates in % of
Total Balloon Rates
Number of Balloon
Loans
Percentage of Total
Balloon Loans
0:12 154.094,26 0,04% 21 0,04%
13:25 2.731.043,25 0,73% 361 0,73%
26:38 24.198.989,44 6,45% 2.993 6,04%
39:51 102.412.533,71 27,28% 12.876 26,01%
52:64 245.407.774,71 65,37% 33.206 67,07%
65:72 307.948,48 0,08% 35 0,07%73: 227.922,06 0,06% 21 0,04%
Total 375.440.305,91 100,00% 49.513 100,00%
Balloon Loans - Remaining
Term in months
Balloon Rates
in EUR
Balloon Rates in % of
Total Balloon Rates
Number of Balloon
Loans
Percentage of Total
Balloon Loans
0:12 113.890.889,71 30,34% 15.902 32,12%
13:25 110.078.011,42 29,32% 14.571 29,43%
26:38 93.724.391,26 24,96% 11.960 24,16%
39:51 42.088.463,46 11,21% 5.215 10,53%
52:64 15.541.336,30 4,14% 1.856 3,75%
65:72 10.467,80 0,00% 3 0,01%73: 106.745,96 0,03% 6 0,01%
Total 375.440.305,91 100,00% 49.513 100,00%
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 09.11.2018
Monthly Investor Report Payment Date 12.11.2018
Period No 50
14. Payment Methods Monthly Period Nov 2018
Interest Period from 11.10.2018 to 12.11.2018 = 32 days
Collection Period from 01.10.2018 to 31.10.2018
Payment Method
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
Direct Debit 2.739.590.678,98 99,08% 337.137 98,90%Other 25.576.230,26 0,92% 3.738 1,10%
Total 2.765.166.909,24 100,00% 340.875 100,00%
Cycle of Payment
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
15th of month 1.275.739.614,95 46,14% 157.744 46,28%1st of month 1.489.427.294,29 53,86% 183.131 53,72%
Total 2.765.166.909,24 100,00% 340.875 100,00%
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 09.11.2018
Monthly Investor Report Payment Date 12.11.2018
Period No 50
15. Downpayment Monthly Period Nov 2018
Interest Period from 11.10.2018 to 12.11.2018 = 32 days
Collection Period from 01.10.2018 to 31.10.2018
Downpayment
(Ranges in EUR)
Original Principal
Balance in EUR
Percentage of
Total Balance Number of Loans
Percentage of Total
Loans
Downpayment /
Purchase Price in %
No Downpayment 1.113.614.831,41 40,27% 122.190 35,85% 0,00%
0: 999 102.722.010,11 3,71% 16.614 4,87% 5,07%
1000: 1999 226.076.853,52 8,18% 33.525 9,83% 10,42%
2000: 2999 246.726.137,36 8,92% 33.786 9,91% 15,96%
3000: 3999 206.385.158,06 7,46% 27.135 7,96% 20,76%
4000: 4999 156.021.389,89 5,64% 20.049 5,88% 25,26%
5000: 5999 178.141.900,26 6,44% 21.794 6,39% 28,43%
6000: 6999 102.197.391,80 3,70% 12.977 3,81% 33,09%
7000: 7999 78.408.888,18 2,84% 9.916 2,91% 36,41%
8000: 8999 65.679.604,21 2,38% 8.318 2,44% 39,40%
9000: 9999 37.655.714,96 1,36% 4.668 1,37% 42,03%
10000:10999 83.308.281,16 3,01% 9.720 2,85% 42,84%
11000:11999 24.879.658,15 0,90% 3.180 0,93% 47,59%
12000:12999 27.281.300,98 0,99% 3.466 1,02% 49,43%
13000:13999 17.778.463,31 0,64% 2.234 0,66% 51,33%
14000:14999 13.386.870,11 0,48% 1.707 0,50% 53,76%
15000:15999 24.691.473,38 0,89% 2.900 0,85% 53,28%
16000:16999 9.298.643,33 0,34% 1.160 0,34% 56,49%
17000:17999 6.466.709,31 0,23% 854 0,25% 58,63%
18000:18999 6.413.802,49 0,23% 829 0,24% 59,29%
19000:19999 3.333.276,82 0,12% 446 0,13% 61,68%
20000:20000 10.377.192,09 0,38% 946 0,28% 54,81%20001: 24.321.358,35 0,88% 2.461 0,72% 63,06%
Total 2.765.166.909,24 100,00% 340.875 100,00% 19,97%
Downpayment and
Purchase Price All Contracts
Contracts with
Downpayment
Average downpayment 3.206,94 € 4.998,82 €
Average Purchase Price 16.062,57 € 17.142,11 €
Mimimum Downpayment 100,00 €
Maximum Downpayment 110.000,00 €
Downpayment in % 19,97% 29,16%
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 09.11.2018
Monthly Investor Report Payment Date 12.11.2018
Period No 50
16. Effective Interest Rate Monthly Period Nov 2018
Interest Period from 11.10.2018 to 12.11.2018 = 32 days
Collection Period from 01.10.2018 to 31.10.2018
Yield Range*
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
0: 0 673.469,10 0,02% 66 0,02%
1: 1 99.098.039,84 3,58% 9.212 2,70%
2: 2 317.703.012,45 11,49% 31.727 9,31%
3: 3 1.262.278.755,99 45,65% 127.553 37,42%
4: 4 695.303.037,46 25,15% 97.398 28,57%
5: 5 248.380.826,39 8,98% 45.949 13,48%
6: 6 95.519.288,11 3,45% 18.828 5,52%
7: 7 25.794.636,01 0,93% 5.915 1,74%
8: 8 14.548.034,33 0,53% 2.715 0,80%
9: 9 4.609.302,48 0,17% 1.243 0,36%
10:10 1.057.608,82 0,04% 223 0,07%
11:11 199.295,39 0,01% 44 0,01%
12:12 1.189,58 0,00% 1 0,00%13:13 413,29 0,00% 1 0,00%
Total 2.765.166.909,24 100,00% 340.875 100,00%
Statistics in %
WA Interest 4,25%
*runs from .00 to .99
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 09.11.2018
Monthly Investor Report Payment Date 12.11.2018
Period No 50
16.1 Effective Interest Rate (Graph) Monthly Period Nov 2018
Interest Period from 11.10.2018 to 12.11.2018 = 32 days
Collection Period from 01.10.2018 to 31.10.2018
*runs from .00 to .99
0
200.000.000
400.000.000
600.000.000
800.000.000
1.000.000.000
1.200.000.000
1.400.000.000
0: 0 1: 1 2: 2 3: 3 4: 4 5: 5 6: 6 7: 7 8: 8 9: 9 10:10 11:11 12:12 13:13
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Yield Range*
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 09.11.2018
Monthly Investor Report Payment Date 12.11.2018
Period No 50
17. Seasoning Monthly Period Nov 2018
Interest Period from 11.10.2018 to 12.11.2018 = 32 days
Collection Period from 01.10.2018 to 31.10.2018
Seasoning in
Months
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
3: 5 35.859.414,08 1,30% 2.651 0,78%
6: 8 169.979.008,80 6,15% 13.883 4,07%
9:11 173.778.459,73 6,28% 15.269 4,48%
12:14 230.460.395,28 8,33% 21.780 6,39%
15:17 257.127.828,17 9,30% 26.407 7,75%
18:20 243.488.292,28 8,81% 24.974 7,33%
21:23 169.215.440,12 6,12% 17.308 5,08%
24:26 194.825.896,28 7,05% 21.177 6,21%
27:29 231.536.051,39 8,37% 25.735 7,55%
30:32 143.304.573,53 5,18% 17.044 5,00%
33:35 96.125.579,41 3,48% 11.950 3,51%
36:38 103.652.032,11 3,75% 13.349 3,92%
39:41 110.653.808,84 4,00% 14.531 4,26%
42:44 97.930.016,55 3,54% 14.186 4,16%
45:47 72.649.012,14 2,63% 11.282 3,31%
48:50 72.375.616,00 2,62% 11.465 3,36%
51:53 71.592.142,62 2,59% 12.103 3,55%
54:56 78.452.975,35 2,84% 14.598 4,28%
57:59 55.047.918,44 1,99% 11.125 3,26%
60:62 38.157.451,27 1,38% 7.894 2,32%
63:65 32.045.721,74 1,16% 6.538 1,92%
66:68 23.501.439,03 0,85% 5.247 1,54%
69:71 12.423.414,41 0,45% 2.999 0,88%
72:74 12.708.200,33 0,46% 3.011 0,88%
75:77 11.030.209,71 0,40% 2.728 0,80%
78:80 9.282.448,33 0,34% 2.640 0,77%81: 17.963.563,30 0,65% 9.001 2,64%
Total 2.765.166.909,24 100,00% 340.875 100,00%
Statistics
WA Seasoning 28,59
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 09.11.2018
Monthly Investor Report Payment Date 12.11.2018
Period No 50
17.1 Seasoning (Graph) Monthly Period Nov 2018
Interest Period from 11.10.2018 to 12.11.2018 = 32 days
Collection Period from 01.10.2018 to 31.10.2018
0
50.000.000
100.000.000
150.000.000
200.000.000
250.000.000
300.000.000
3: 5 6: 8 9:11 12:14 15:17 18:20 21:23 24:26 27:29 30:32 33:35 36:38 39:41 42:44 45:47 48:50 51:53 54:56 57:59 60:62 63:65 66:68 69:71 72:74 75:77 78:80 81:
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Seasoning in Months
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 09.11.2018
Monthly Investor Report Payment Date 12.11.2018
Period No 50
18. Remaining Term Monthly Period Nov 2018
Interest Period from 11.10.2018 to 12.11.2018 = 32 days
Collection Period from 01.10.2018 to 31.10.2018
Remaining Term in
Months
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
0: 6 84.185.887,29 3,04% 33.812 9,92%
7: 13 143.719.335,58 5,20% 39.417 11,56%
14: 20 202.579.861,60 7,33% 40.000 11,73%
21: 27 231.977.690,24 8,39% 36.725 10,77%
28: 34 321.823.899,83 11,64% 41.903 12,29%
35: 41 284.017.719,84 10,27% 31.770 9,32%
42: 48 292.481.890,17 10,58% 30.088 8,83%
49: 55 269.941.767,68 9,76% 23.456 6,88%
56: 62 194.874.255,07 7,05% 15.961 4,68%
63: 69 217.381.001,58 7,86% 15.801 4,64%
70: 76 209.364.367,31 7,57% 13.769 4,04%
77: 83 175.416.497,39 6,34% 10.680 3,13%
84: 90 118.665.507,33 4,29% 6.593 1,93%
91: 97 14.832.366,09 0,54% 736 0,22%
98:104 3.820.014,61 0,14% 159 0,05%105:107 84.847,63 0,00% 5 0,00%
Total 2.765.166.909,24 100,00% 340.875 100,00%
Statistics
WA Remaining Term 45,58
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 09.11.2018
Monthly Investor Report Payment Date 12.11.2018
Period No 50
18.1 Remaining Term (Graph) Monthly Period Nov 2018
Interest Period from 11.10.2018 to 12.11.2018 = 32 days
Collection Period from 01.10.2018 to 31.10.2018
0
50.000.000
100.000.000
150.000.000
200.000.000
250.000.000
300.000.000
350.000.000
0: 6 7: 13 14: 20 21: 27 28: 34 35: 41 42: 48 49: 55 56: 62 63: 69 70: 76 77: 83 84: 90 91: 97 98:104 105:107
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Remaining Term in Months
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 09.11.2018
Monthly Investor Report Payment Date 12.11.2018
Period No 50
19. Original Term Monthly Period Nov 2018
Interest Period from 11.10.2018 to 12.11.2018 = 32 days
Collection Period from 01.10.2018 to 31.10.2018
Original Term in
Months
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
0: 12 695.691,17 0,03% 491 0,14%
13: 25 21.691.806,39 0,78% 9.328 2,74%
26: 38 116.267.351,69 4,20% 27.807 8,16%
39: 51 308.619.035,63 11,16% 48.510 14,23%
52: 64 723.847.784,91 26,18% 90.378 26,51%
65: 77 330.566.996,09 11,95% 45.213 13,26%
78: 90 381.475.305,37 13,80% 35.765 10,49%
91:103 850.077.645,56 30,74% 81.312 23,85%
104:116 6.139.735,72 0,22% 537 0,16%
117:119 2.663.352,60 0,10% 147 0,04%
120: 23.122.204,11 0,84% 1.387 0,41%
Total 2.765.166.909,24 100,00% 340.875 100,00%
Statistics
WA Original Term 74,17
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 09.11.2018
Monthly Investor Report Payment Date 12.11.2018
Period No 50
19.1 Original Term (Graph) Monthly Period Nov 2018
Interest Period from 11.10.2018 to 12.11.2018 = 32 days
Collection Period from 01.10.2018 to 31.10.2018
0
100.000.000
200.000.000
300.000.000
400.000.000
500.000.000
600.000.000
700.000.000
800.000.000
900.000.000
0: 12 13: 25 26: 38 39: 51 52: 64 65: 77 78: 90 91:103 104:116 117:119 120:
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Original Term in Months
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 09.11.2018
Monthly Investor Report Payment Date 12.11.2018
Period No 50
20. Manufacturer Brands Monthly Period Nov 2018
Interest Period from 11.10.2018 to 12.11.2018 = 32 days
Collection Period from 01.10.2018 to 31.10.2018
Manufacturer
brands
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
1 288.364.963,10 10,43% 35.916 10,54%
2 269.628.680,81 9,75% 28.365 8,32%
3 247.644.285,27 8,96% 31.773 9,32%
4 244.052.160,87 8,83% 34.791 10,21%
5 227.548.368,05 8,23% 26.251 7,70%
6 189.118.728,32 6,84% 18.961 5,56%
7 117.403.668,34 4,25% 11.988 3,52%
8 116.327.507,31 4,21% 12.565 3,69%
9 114.660.770,51 4,15% 14.720 4,32%
10 109.925.731,69 3,98% 12.238 3,59%
11 86.867.236,73 3,14% 10.892 3,20%
12 72.359.647,28 2,62% 8.643 2,54%
13 67.619.831,21 2,45% 7.976 2,34%
14 64.473.827,24 2,33% 9.888 2,90%
15 58.419.390,76 2,11% 8.851 2,60%
2.274.414.797,49 82,25% 273.818 80,33%
TOP 15 manufacturer brands in alphabetical order:
Audi, BMW, Citroen, Fiat, Ford, Hyundai, Kia, Mazda, Mercedes, Nissan, Opel, Renault, SEAT (E), Skoda, VW
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 09.11.2018
Monthly Investor Report Payment Date 12.11.2018
Period No 50
21. Priority of Payments + Transaction Costs Monthly Period Nov 2018
Interest Period from 11.10.2018 to 12.11.2018 = 32 days
Collection Period from 01.10.2018 to 31.10.2018
Priority of Payments
Available Distribution Amount 160.806.161,28 €
Senior Expenses - 53.206,67 €
Interest Notes Class A - 2.986.192,50 €
Interest Notes Class B - 233.803,50 €
Replenishment - - €
Payments to Purchase Shortfall Account - 244,26 €
Payments to Reserve Fund - 30.000.000,00 €
Principal Payments Class A - 118.621.756,50 €
Principal Payments Class B - - €
Payments to Commingling Reserve Ledger - n/a Payments to Set-Off Reserve Ledger - n/a
Interest Subordinated Loan - 76.133,33 €
Principal Payments Subordinated Loan - - €
Payments to Seller = 8.834.824,52 €
Transaction Costs All notes Class A Class B Senior Expenses 53.206,67 €-
Interest accrued for the Period 3.219.996,00 €- 2.986.192,50 €- 233.803,50 €-
Cumulative Interest accrued 158.239.236,00 €- 147.170.220,00 €- 11.069.016,00 €-
Interest Payments 3.219.996,00 €- 2.986.192,50 €- 233.803,50 €-
Cumulative Interest Payments 158.239.236,00 €- 147.170.220,00 €- 11.069.016,00 €-
Interest accrued on Subordinated Loan for the Period 76.133,33 €-
Cumulative Interest accrued on Subordinated Loan 3.604.437,52 €-
Interest Payments on Subordinated Loan 76.133,33 €-
Cumulative Interest Payments on Subordinated Loan 3.604.437,52 €-
Unpaid Interest for the Period - €
Cumulative Unpaid Interest - €
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 09.11.2018
Monthly Investor Report Payment Date 12.11.2018
Period No 50
22. Retention Monthly Period 12.11.2018
Interest Period from 11.10.2018 to 12.11.2018 = 32 days
Collection Period from 01.10.2018 to 31.10.2018
2.999.999.999,91 €
2.883.788.816,01 €
2.765.166.909,24 €
30.000.000,00 €
30.000.000,00 €
30.000.000,00 €
105.000.000,00 €
105.000.000,00 €
105.000.000,00 €
Outstanding Balance of the Class A Notes as of the Offer Date: 2.895.000.000,00 €
Outstanding Balance of the Class A Notes as of the beginning of the Monthly Period: 2.778.788.910,00 €
Outstanding Balance of the Class A Notes of the end of the Monthly Period: 2.660.167.153,50 €
101,00%
101,04%
101,08%Net Economic Interest Ratio as of the end of the Monthly Period:
Santander Consumer Bank AG confirms its compliance to have continuously retained a net economic interest in the SC Germany Auto 2014-2 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 3,5% and the
third loss tranche which is represented by the Class A Notes of at least 0,5%.
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:
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 Principal Balance of Purchased Receivables as of the Offer Date:
Outstanding Principal Balance of Purchased Receivables as of the beginning of the Monthly Period:
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 09.11.2018
Monthly Investor Report 12.11.2018
50
23. Counterparties Nov 2018
from 11.10.2018 to 12.11.2018 = 32 days
from 01.10.2018 to 31.10.2018
Long
Term
Short
TermOutlook
Long
Term
Short
TermOutlook
Counterpart
y status
Calculation Agent, Cash Administrator:Wilmington Trust SP Services (Frankfurt) GmbH
- - - - - -performing
Steinweg 3-5eMail: [email protected] 60313 Frankfurt am Main
Phone: +49 (0)69 9288 49512 Germany
Account Bank and Principal Paying Agent: BNP Paribas Securities Services - - - A A-1 POS performing
33, rue de GaspericheMail: [email protected] L-5826 Hesperange
Phone: +34 91 7625101 The Grand Duchy of Luxembourg
Transaction Security Trustee: Circumference FS (Netherlands) B.V. - - - - - - performing
Barbara Strozzilaan 101eMail: [email protected] 1083 HN Amsterdam
Phone: +31 20 205 0132 The Netherlands
Data Trustee: Circumference FS (Luxembourg) S.A. - - - - - - performing
52-54 Avenue Du X SeptembreeMail: [email protected] L-2550 Luxembourg
Phone: + 352 2602 4945 The Grand Duchy of Luxembourg
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
DBRS S & P
Reporting Date
Payment Date
Period No
Monthly Period
Interest Period
Collection Period
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 09.11.2018
Monthly Investor Report Payment Date 12.11.2018
Period No 50
24. Issuer Information Monthly Period Nov 2018
Interest Period from 11.10.2018 to 12.11.2018 = 32 days
Collection Period from 01.10.2018 to 31.10.2018
Deal Name: SC Germany Auto 2014-2
Issuer: SC Germany Auto 2014-2 UG (haftungsbeschränkt)
The Managing Directors
Steinweg 3-5
60313 Frankfurt am Main
Germany
eMail [email protected]
fax +49 (0) 69 2992 5387
Seller of the Receivables: Santander Consumer Bank AG
Servicer Name: Santander Consumer Bank AG
Reporting Entity: Santander Consumer Bank AG
Capital Markets
Santander-Platz 1
41061 MönchengladbachGermany
eMail [email protected]
fax +49 (0) 2161 690 7077
SPV-Administrator: Wilmington Trust SP Services (Frankfurt) GmbH
Steinweg 3-5
60313 Frankfurt am Main
Germany
eMail [email protected]
fax +49 (0) 69 2992 5387
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 09.11.2018
Monthly Investor Report 12.11.2018
50
25. Santander Consumer Bank Nov 2018
from 11.10.2018 to 12.11.2018 = 32 days
from 01.10.2018 to 31.10.2018
Contact DetailsCapital Markets
Peter René Müller +49-2161-690-7337 [email protected]
Ralf Schüring +49-2161-690-5464 [email protected]
Bastian Menges +49-2161-690-7085 [email protected]
Stefan Zilligen +49-2161-690-6069 [email protected]
Tobias Daners +49-2161-690-7410 [email protected]
Team ABS [email protected]
Ratings Santander
Long
Term
Short
TermOutlook
Long
Term
Short
TermOutlook
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
Collection Period
Reporting Date
Payment Date
Period No
Monthly Period
Interest Period
Santander Consumer Bank AG
S & P
Banco Santander S.A.
Santander Consumer Finance S.A.
DBRS
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach