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SC Germany Auto 2014-2
Monthly Investor Report
SC Germany Auto 2014-2 Reporting Date 08.12.2017
Monthly Investor Report Payment Date 11.12.2017
Period No 39
Cover Sheet Monthly Investor Report Monthly Period Dez 2017
Interest Period from 13.11.2017 to 11.12.2017 = 28 days
Collection Period from 01.11.2017 to 30.11.2017
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. Customer Yield 19
16.1 Customer Yield (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 08.12.2017
Monthly Investor Report Payment Date 11.12.2017
Period No 39
1. Portfolio Information Monthly Period Dez 2017
Interest Period from 13.11.2017 to 11.12.2017 = 28 days
Collection Period from 01.11.2017 to 30.11.2017
current period previous period
Outstanding ReceivablesNo. of
Contracts
Aggregate Outstanding
Principal Amount
Aggregate Outstanding
Principal Amount
Beginning of Period 363.100 2.999.999.999,49 € 2.999.999.999,87 €
Scheduled Principal Payments 75.307.885,88 €
Prepayment Principal 38.129.539,80 €
Others 3.226.978,12 €
Total Principal Collections 116.664.403,80 € 114.617.802,12 €
Total Interest Collections 13.859.882,19 € 13.797.564,03 €
Defaults 482.849,81 € 592.133,77 €
Replenishment Amount 117.147.253,50 € 115.209.935,51 €
End of Period 363.846 2.999.999.999,38 € 2.999.999.999,49 €
Purchase Shortfall Amount 0,62 € 0,51 €
Total Assets (End of Period) 3.000.000.000,00 € 3.000.000.000,00 €
Current Prepayment Rate (annualised) 14,2%
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 08.12.2017
Monthly Investor Report Payment Date 11.12.2017
Period No 39
2. Reserve Accounts Monthly Period Dez 2017
Interest Period from 13.11.2017 to 11.12.2017 = 28 days
Collection Period from 01.11.2017 to 30.11.2017
Note BalanceBeginning of Period 3.000.000.000,00 €
End of Period 3.000.000.000,00 €
Reserve AccountsReserve Account in % Trigger Event y/n
Beginning of Period 1,00% 30.000.000,00 €
Cash Outflow - €
Cash Inflow - €
End of Period 1,00% 30.000.000,00 €
Required Reserve Fund 1,00% 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 08.12.2017
Monthly Investor Report Payment Date 11.12.2017
Period No 39
3. Delinquency Data Monthly Period Dez 2017
Interest Period from 13.11.2017 to 11.12.2017 = 28 days
Collection Period from 01.11.2017 to 30.11.2017
Note BalanceBeginning of Period 3.000.000.000,00 €
End of Period 3.000.000.000,00 €
Delinquency Data and Ratios3-MRA* /
current ratio Amount at risk Overdue amount
Number of
Loans
3-MRA* 1- 30 days past due 0,23%
1- 30 days past due period before previous period 5.591.989,26 € 282.231,92 € 610
1- 30 days past due previous period 6.793.381,90 € 376.420,61 € 773
1- 30 days past due current period 0,27% 8.045.134,02 € 530.349,27 € 908
3-MRA* 31- 60 days past due 0,20%
31- 60 days past due period before previous period 7.065.145,07 € 400.559,39 € 808
31- 60 days past due previous period 5.001.734,14 € 245.288,51 € 602
31- 60 days past due current period 0,19% 5.770.578,82 € 274.757,18 € 629
3-MRA* 61-90 days past due 0,07%
61- 90 days past due period before previous period 1.841.518,76 € 175.411,34 € 243
61- 90 days past due previous period 2.439.641,37 € 199.165,14 € 289
61- 90 days past due current period 0,07% 2.070.891,10 € 154.599,40 € 246
3-MRA* 91-120 days past due 0,04%
91- 120 days past due period before previous period 1.314.106,74 € 147.129,81 € 141
91- 120 days past due previous period 1.302.112,45 € 150.418,12 € 147
91- 120 days past due current period 0,05% 1.428.353,34 € 159.872,20 € 172
3-MRA* 121-150 days past due 0,02%
121- 150 days past due period before previous period 895.285,18 € 96.927,13 € 86
121- 150 days past due previous period 569.857,70 € 68.161,16 € 67
121- 150 days past due current period 0,02% 585.019,81 € 93.748,46 € 70
3-MRA* 151-180 days past due 0,02%
151- 180 days past due period before previous period 646.546,00 € 126.941,38 € 72
151- 180 days past due previous period 672.330,72 € 122.046,24 € 70
151- 180 days past due current period 0,02% 615.621,63 € 117.607,66 € 71
* 3-MRA stands for three months rolling average
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 08.12.2017
Monthly Investor Report Payment Date 11.12.2017
Period No 39
4. Default Data Monthly Period Dez 2017
Interest Period from 13.11.2017 to 11.12.2017 = 28 days
Collection Period from 01.11.2017 to 30.11.2017
Note BalanceBeginning of Period 3.000.000.000,00 €
End of Period 3.000.000.000,00 €
Default Data and Ratios Amount Number of Loans
Current Default
Current Period Gross Default 482.849,81 €
Current Period Recoveries 124.171,89 €
Current Period Net Default 358.677,92 €
New Number of Defaulted Contracts 71
Cumulative Default
Cumulative Gross Default 16.031.210,18 €
Cumulative Recoveries 2.755.899,50 €
Cumulative Net Default 13.275.310,68 €
Total Number of Defaulted Contracts 2.334
3-MRA* /
current ratio Ratio
3-MRA* Annualised Net Default Ratio (New Default) 0,18%
Annualised Loss Ratio period before previous period 0,19%
Annualised Loss Ratio previous period 0,20%
Annualised Loss Ratio current period 0,14% 0,14%
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 08.12.2017
Monthly Investor Report Payment Date 11.12.2017
Period No 39
5. Concentration Limits Monthly Period Dez 2017
Interest Period from 13.11.2017 to 11.12.2017 = 28 days
Collection Period from 01.11.2017 to 30.11.2017
Portfolio Concentrations Minimum-Trigger Maximum-Trigger Current Value Trigger Breach
New Vehicles (applicable for Replenishment Portfolio) 35,00% - 35,01% no
Average Yield (applicable for Total Portfolio) 4,25% - 4,44% no
Contracts with Balloon Rates (applicable for Total Portfolio) - 30,00% 25,38% no
Remaining Term (applicable for Total Portfolio) - 62,50 45,01 no
Online Business (applicable for Total Portfolio) - 10,00% 0,00% no
Loans with Original Term of more than 90 months (applicable for Total Portfolio) - 37,00% 31,11% no
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% 0,19% no
Purchase Shortfall Event no
Period before previous period 0,10 €
Previous period 0,13 €
Current period 0,51 €
Principal Deficiency Event no
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 08.12.2017
Monthly Investor Report Payment Date 11.12.2017
Period No 39
6. Outstanding Notes Monthly Period Dez 2017
Interest Period from 13.11.2017 to 11.12.2017 = 28 days
Collection Period from 01.11.2017 to 30.11.2017
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 3.000.000.000,00 € 2.895.000.000,00 € 105.000.000,00 €
Available Distribution Amount 160.648.458,39 €
Replenishment 117.147.253,50 €
Amortisation 0,00 €
Redemption per Class 0,00 € 0,00 € 0,00 €
Redemption per Note 0,00 € 0,00 €
Class Principal Outstanding Balance End of Period 3.000.000.000,00 € 2.895.000.000,00 € 105.000.000,00 €
Current Tranching 96,50% 3,50%
Current Pool Factor 1,00 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 28
Principal Outstanding per Note Beginning of Period 100.000,00 € 100.000,00 €
> Principal Repayment per Note 0,00 € 0,00 €
Principal Outstanding per Note End of Period 100.000,00 € 100.000,00 €
> Interest accrued for the period 2.722.168,50 € 204.571,50 €
Interest Payment 2.722.168,50 € 204.571,50 €
Interest Payment per Note 94,03 € 194,83 €
3. Credit Enhancements Class A Class B Initial total CE (Subordination, Reserve) 4,50% 1,00%
Current CE (incl. Excess Spread) 7,69% 4,19%
Current CE (excl. Excess Spread) 4,50% 1,00%
* Last rating action as of 06.09.2016
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 08.12.2017
Monthly Investor Report Payment Date 11.12.2017
Period No 39
7. Original Principal Balance Monthly Period Dez 2017
Interest Period from 13.11.2017 to 11.12.2017 = 28 days
Collection Period from 01.11.2017 to 30.11.2017
Original Principal Balance
(Ranges in EUR)
Original Principal
Balance in EUR
Percentage of
Total Balance Number of Loans
Percentage of Total
Loans
0: 999 41.461,98 0,00% 51 0,01%
1000: 1999 1.551.933,39 0,03% 951 0,26%
2000: 2999 10.507.763,94 0,21% 4.131 1,14%
3000: 3999 30.157.914,38 0,61% 8.587 2,36%
4000: 4999 59.569.261,50 1,20% 13.207 3,63%
5000: 5999 96.135.568,91 1,94% 17.475 4,80%
6000: 6999 127.246.657,13 2,57% 19.539 5,37%
7000: 7999 158.094.426,93 3,19% 21.045 5,78%
8000: 8999 187.854.265,52 3,79% 22.083 6,07%
9000: 9999 213.749.735,28 4,31% 22.469 6,18%
10000:10999 261.428.067,86 5,28% 24.905 6,84%
11000:11999 256.616.696,85 5,18% 22.309 6,13%
12000:12999 262.014.361,86 5,29% 20.968 5,76%
13000:13999 263.023.012,86 5,31% 19.494 5,36%
14000:14999 260.044.716,40 5,25% 17.937 4,93%
15000:15999 259.210.036,21 5,23% 16.731 4,60%
16000:16999 244.007.717,95 4,93% 14.791 4,07%
17000:17999 223.419.973,24 4,51% 12.770 3,51%
18000:18999 211.481.917,80 4,27% 11.440 3,14%
19000:19999 194.869.282,61 3,93% 9.999 2,75%
20000:20999 191.109.004,90 3,86% 9.337 2,57%
21000:21999 179.566.132,12 3,62% 8.355 2,30%
22000:22999 155.335.510,10 3,14% 6.905 1,90%
23000:23999 137.809.505,08 2,78% 5.866 1,61%
24000:24999 122.763.458,85 2,48% 5.014 1,38%
25000:25999 109.137.477,72 2,20% 4.284 1,18%
26000:26999 100.463.143,54 2,03% 3.792 1,04%
27000:27999 88.358.765,55 1,78% 3.214 0,88%
28000:28999 77.768.901,88 1,57% 2.731 0,75%
29000:29999 67.458.116,86 1,36% 2.287 0,63%
30000:30999 58.543.722,88 1,18% 1.922 0,53%
31000:31999 48.670.125,26 0,98% 1.546 0,42%
32000:32999 43.015.334,85 0,87% 1.324 0,36%
33000:33999 33.593.519,32 0,68% 1.003 0,28%
34000:34999 28.382.516,63 0,57% 823 0,23%
35000:35999 25.361.120,14 0,51% 715 0,20%
36000:36999 21.165.731,97 0,43% 580 0,16%
37000:37999 17.395.163,47 0,35% 464 0,13%
38000:38999 15.660.960,67 0,32% 407 0,11%
39000:39999 13.607.577,85 0,27% 345 0,09%
40000:40999 13.253.346,71 0,27% 328 0,09%
41000:41999 9.045.011,52 0,18% 218 0,06%
42000:42999 9.512.573,90 0,19% 224 0,06%
43000:43999 6.566.062,92 0,13% 151 0,04%
44000:44999 6.496.450,54 0,13% 146 0,04%
45000:45999 5.774.770,53 0,12% 127 0,03%
46000:46999 4.605.512,73 0,09% 99 0,03%
47000:47999 4.318.707,44 0,09% 91 0,03%
48000:48999 4.021.322,81 0,08% 83 0,02%
49000:49999 3.711.635,59 0,07% 75 0,02%
50000:50999 3.173.777,96 0,06% 63 0,02%
51000:51999 2.527.506,84 0,05% 49 0,01%
52000:52999 2.623.564,34 0,05% 50 0,01%
53000:53999 1.762.134,67 0,04% 33 0,01%
54000:54999 1.743.914,61 0,04% 32 0,01%
55000:55999 1.607.404,67 0,03% 29 0,01%
56000:56999 2.029.306,96 0,04% 36 0,01%
57000:57999 1.720.666,35 0,03% 30 0,01%
58000:58999 877.045,96 0,02% 15 0,00%
59000:59999 657.006,72 0,01% 11 0,00%
60000:60000 240.000,00 0,00% 4 0,00%60001: 11.213.765,38 0,23% 156 0,04%
Total 4.953.672.051,39 100,00% 363.846 100,00%
Statistics in EUR
Average Amount 13.614,75
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 08.12.2017
Monthly Investor Report Payment Date 11.12.2017
Period No 39
7.1 Original PB (Graph) Monthly Period Dez 2017
Interest Period from 13.11.2017 to 11.12.2017 = 28 days
Collection Period from 01.11.2017 to 30.11.2017
0
50.000.000
100.000.000
150.000.000
200.000.000
250.000.000
300.000.000
Ori
gin
al P
rin
cip
al B
ala
nc
e
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 08.12.2017
Monthly Investor Report Payment Date 11.12.2017
Period No 39
8. Current Principal Balance Monthly Period Dez 2017
Interest Period from 13.11.2017 to 11.12.2017 = 28 days
Collection Period from 01.11.2017 to 30.11.2017
Current Principal Balance
(Ranges in EUR)
Current Principal
Balance in EUR
Percentage of
Total Balance Number of Loans
Percentage of
Total Loans
0: 999 10.645.781,56 0,35% 20.659 5,68%
1000: 1999 38.747.356,69 1,29% 25.746 7,08%
2000: 2999 69.889.829,16 2,33% 27.881 7,66%
3000: 3999 101.194.404,06 3,37% 28.877 7,94%
4000: 4999 128.351.513,09 4,28% 28.520 7,84%
5000: 5999 149.034.413,55 4,97% 27.107 7,45%
6000: 6999 165.819.938,22 5,53% 25.544 7,02%
7000: 7999 178.177.538,84 5,94% 23.784 6,54%
8000: 8999 187.150.108,59 6,24% 22.041 6,06%
9000: 9999 187.134.129,13 6,24% 19.719 5,42%
10000:10999 180.035.143,42 6,00% 17.169 4,72%
11000:11999 173.812.159,15 5,79% 15.125 4,16%
12000:12999 162.970.613,44 5,43% 13.051 3,59%
13000:13999 147.496.031,79 4,92% 10.941 3,01%
14000:14999 137.752.704,99 4,59% 9.508 2,61%
15000:15999 123.865.660,43 4,13% 7.998 2,20%
16000:16999 112.410.735,03 3,75% 6.819 1,87%
17000:17999 100.588.143,35 3,35% 5.754 1,58%
18000:18999 88.124.356,63 2,94% 4.767 1,31%
19000:19999 77.755.309,11 2,59% 3.991 1,10%
20000:20999 66.769.466,20 2,23% 3.261 0,90%
21000:21999 58.079.480,02 1,94% 2.704 0,74%
22000:22999 49.981.160,38 1,67% 2.222 0,61%
23000:23999 43.393.072,43 1,45% 1.847 0,51%
24000:24999 38.227.156,63 1,27% 1.561 0,43%
25000:25999 30.851.495,80 1,03% 1.211 0,33%
26000:26999 27.910.953,60 0,93% 1.054 0,29%
27000:27999 23.338.950,76 0,78% 849 0,23%
28000:28999 19.920.171,18 0,66% 699 0,19%
29000:29999 16.436.925,00 0,55% 557 0,15%
30000:30999 14.201.236,79 0,47% 466 0,13%
31000:31999 11.892.658,54 0,40% 378 0,10%
32000:32999 10.916.366,69 0,36% 336 0,09%
33000:33999 9.512.174,64 0,32% 284 0,08%
34000:34999 7.551.792,50 0,25% 219 0,06%
35000:35999 6.674.661,74 0,22% 188 0,05%
36000:36999 6.240.099,89 0,21% 171 0,05%
37000:37999 3.636.475,11 0,12% 97 0,03%
38000:38999 4.192.747,22 0,14% 109 0,03%
39000:39999 3.748.792,78 0,12% 95 0,03%
40000:40999 2.672.938,54 0,09% 66 0,02%
41000:41999 2.823.484,30 0,09% 68 0,02%
42000:42999 2.505.725,51 0,08% 59 0,02%
43000:43999 2.130.979,81 0,07% 49 0,01%
44000:44999 1.605.106,41 0,05% 36 0,01%
45000:45999 1.684.704,84 0,06% 37 0,01%
46000:46999 1.626.159,10 0,05% 35 0,01%
47000:47999 901.650,79 0,03% 19 0,01%
48000:48999 1.114.508,82 0,04% 23 0,01%
49000:49999 891.737,32 0,03% 18 0,00%
50000:50999 706.089,26 0,02% 14 0,00%
51000:51999 721.948,13 0,02% 14 0,00%
52000:52999 471.476,79 0,02% 9 0,00%
53000:53999 856.987,80 0,03% 16 0,00%
54000:54999 218.774,21 0,01% 4 0,00%
55000:55999 277.157,11 0,01% 5 0,00%
56000:56999 452.485,40 0,02% 8 0,00%
57000:57999 460.351,13 0,02% 8 0,00%
58000:58999 350.734,00 0,01% 6 0,00%
59000:59999 239.109,98 0,01% 4 0,00%60001: 2.856.182,00 0,10% 39 0,01%
Total 2.999.999.999,38 100,00% 363.846 100,00%
Statistics in EUR
Average Amount 8.245,25
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 08.12.2017
Monthly Investor Report Payment Date 11.12.2017
Period No 39
8.1 Current PB (Graph) Monthly Period Dez 2017
Interest Period from 13.11.2017 to 11.12.2017 = 28 days
Collection Period from 01.11.2017 to 30.11.2017
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
200.000.000
Cu
rre
nt
Pri
nc
ipa
l B
ala
nc
e
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 08.12.2017
Monthly Investor Report Payment Date 11.12.2017
Period No 39
9. Borrower Concentration Monthly Period Dez 2017
Interest Period from 13.11.2017 to 11.12.2017 = 28 days
Collection Period from 01.11.2017 to 30.11.2017
No
Current Principal
Balance in EUR
Percentage of
Balance Number of Loans
1 134.579,29 0,0045% 1
2 107.774,24 0,0036% 1
3 94.560,99 0,0032% 1
4 93.965,82 0,0031% 1
5 90.654,31 0,0030% 1
6 89.853,06 0,0030% 1
7 88.377,84 0,0029% 1
8 85.556,46 0,0029% 1
9 83.823,65 0,0028% 1
10 80.580,53 0,0027% 2
11 78.220,31 0,0026% 1
12 76.596,85 0,0026% 1
13 76.182,18 0,0025% 1
14 75.100,81 0,0025% 2
15 71.695,62 0,0024% 1
16 71.481,42 0,0024% 1
17 70.935,02 0,0024% 1
18 70.713,76 0,0024% 1
19 70.516,49 0,0024% 1
20 70.394,41 0,0023% 1
21 69.834,41 0,0023% 1
22 69.453,36 0,0023% 2
23 68.170,04 0,0023% 1
24 67.759,95 0,0023% 1
25 66.346,69 0,0022% 1
2.023.127,51 0,0674% 28
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 08.12.2017
Monthly Investor Report Payment Date 11.12.2017
Period No 39
10. Geographical Distribution Monthly Period Dez 2017
Interest Period from 13.11.2017 to 11.12.2017 = 28 days
Collection Period from 01.11.2017 to 30.11.2017
State
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
Baden-Wuerttemberg 289.278.248,76 9,64% 33.306 9,15%
Bavaria 292.322.055,18 9,74% 33.511 9,21%
Berlin 57.888.902,18 1,93% 7.342 2,02%
Brandenburg 181.858.285,75 6,06% 22.993 6,32%
Bremen 17.187.961,33 0,57% 2.126 0,58%
Hamburg 31.346.699,84 1,04% 3.884 1,07%
Hesse 173.276.140,66 5,78% 20.694 5,69%
Lower Saxony 315.482.625,19 10,52% 38.170 10,49%
Mecklenburg-Western Pomerania 159.890.278,97 5,33% 20.136 5,53%
North Rhine-Westphalia 550.081.774,87 18,34% 66.623 18,31%
Rhineland-Palatinate 133.156.409,91 4,44% 15.755 4,33%
Saarland 42.091.061,27 1,40% 4.891 1,34%
Saxonia 204.110.924,35 6,80% 27.001 7,42%
Saxony-Anhalt 246.023.748,16 8,20% 30.316 8,33%
Schleswig-Holstein 116.525.272,69 3,88% 14.529 3,99%
Thuringia 184.135.294,38 6,14% 21.939 6,03%
n/a 5.344.315,89 0,18% 630 0,17%
Total 2.999.999.999,38 100,00% 363.846 100,00%
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 08.12.2017
Monthly Investor Report Payment Date 11.12.2017
Period No 39
10.1 Geographical Distribution (Graph) Monthly Period Dez 2017
Interest Period from 13.11.2017 to 11.12.2017 = 28 days
Collection Period from 01.11.2017 to 30.11.2017
0
100.000.000
200.000.000
300.000.000
400.000.000
500.000.000
600.000.000
Cu
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cip
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Bala
nce
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 08.12.2017
Monthly Investor Report Payment Date 11.12.2017
Period No 39
11. Object/Vehicle Type Monthly Period Dez 2017
Interest Period from 13.11.2017 to 11.12.2017 = 28 days
Collection Period from 01.11.2017 to 30.11.2017
Vehicle Type
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
New Vehicle 1.128.039.768,34 37,60% 114.694 31,52%Used Vehicle 1.871.960.231,04 62,40% 249.152 68,48%
Total 2.999.999.999,38 100,00% 363.846 100,00%
Object Type
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
Car 2.900.866.273,16 96,70% 348.421 95,76%
Motorbike 50.391.181,50 1,68% 11.355 3,12%Leisure 48.742.544,72 1,62% 4070 1,12%
Total 2.999.999.999,38 100,00% 363.846 100,00%
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 08.12.2017
Monthly Investor Report Payment Date 11.12.2017
Period No 39
12. Insurances Monthly Period Dez 2017
Interest Period from 13.11.2017 to 11.12.2017 = 28 days
Collection Period from 01.11.2017 to 30.11.2017
Payment Protection
Insurance
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
No 920.268.814,92 30,68% 112.247 30,85%Yes 2.079.731.184,46 69,32% 251.599 69,15%
Total 2.999.999.999,38 100,00% 363.846 100,00%
Gap Insurance
(Santander Safe)
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
No 1.986.469.804,10 66,22% 254.645 69,99%Yes 1.013.530.195,28 33,78% 109.201 30,01%
Total 2.999.999.999,38 100,00% 363.846 100,00%
Repair Cost Insurance
(Santander AutoCare)
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
No 2.699.972.820,11 90,00% 328.230 90,21%Yes 300.027.179,27 10,00% 35.616 9,79%
Total 2.999.999.999,38 100,00% 363.846 100,00%
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 08.12.2017
Monthly Investor Report Payment Date 11.12.2017
Period No 39
13. Type of Contract Monthly Period Dez 2017
Interest Period from 13.11.2017 to 11.12.2017 = 28 days
Collection Period from 01.11.2017 to 30.11.2017
Contracts w/Balloon Payments
Current Principal Balance
in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
No 2.238.462.829,84 74,62% 298.548 82,05%
Yes 761.537.169,54 25,38% 65.298 17,95%
- of which balloon rates 483.469.532,90 16,12%
- of which regular installments 278.067.636,64 9,27%
Total 2.999.999.999,38 100,00% 363.846 100,00%
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
0:12 115.106,54 0,02% 18 0,03%
13:25 4.453.624,38 0,92% 567 0,87%
26:38 32.347.019,98 6,69% 4.262 6,53%
39:51 163.577.855,16 33,83% 20.877 31,97%
52:64 282.535.991,35 58,44% 39.529 60,54%
65:72 296.343,10 0,06% 32 0,05%73: 143.592,39 0,03% 13 0,02%
Total 483.469.532,90 100,00% 65.298 100,00%
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
0:12 129.052.255,91 26,69% 17.905 27,42%
13:25 139.063.677,81 28,76% 19.306 29,57%
26:38 118.183.278,42 24,44% 15.665 23,99%
39:51 86.997.273,08 17,99% 11.151 17,08%
52:64 10.108.126,53 2,09% 1.267 1,94%
65:72 42.171,50 0,01% 2 0,00%73: 22.749,65 0,00% 2 0,00%
Total 483.469.532,90 100,00% 65.298 100,00%
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 08.12.2017
Monthly Investor Report Payment Date 11.12.2017
Period No 39
14. Payment Methods Monthly Period Dez 2017
Interest Period from 13.11.2017 to 11.12.2017 = 28 days
Collection Period from 01.11.2017 to 30.11.2017
Payment Method
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
Direct Debit 2.970.897.350,65 99,03% 359.909 98,92%Other 29.102.648,73 0,97% 3.937 1,08%
Total 2.999.999.999,38 100,00% 363.846 100,00%
Cycle of Payment
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
15th of month 1.391.260.006,61 46,38% 169.284 46,53%1st of month 1.608.739.992,77 53,62% 194.562 53,47%
Total 2.999.999.999,38 100,00% 363.846 100,00%
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 08.12.2017
Monthly Investor Report Payment Date 11.12.2017
Period No 39
15. Downpayment Monthly Period Dez 2017
Interest Period from 13.11.2017 to 11.12.2017 = 28 days
Collection Period from 01.11.2017 to 30.11.2017
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 1.189.723.816,36 39,66% 129.394 35,56% 0,00%
0: 999 113.986.066,57 3,80% 18.151 4,99% 5,24%
1000: 1999 253.106.260,37 8,44% 36.763 10,10% 10,63%
2000: 2999 273.993.892,67 9,13% 36.839 10,12% 16,24%
3000: 3999 229.234.857,66 7,64% 29.537 8,12% 21,08%
4000: 4999 172.650.171,16 5,76% 21.734 5,97% 25,55%
5000: 5999 194.909.251,60 6,50% 23.226 6,38% 28,62%
6000: 6999 113.628.749,91 3,79% 14.083 3,87% 33,17%
7000: 7999 85.692.370,62 2,86% 10.550 2,90% 36,49%
8000: 8999 71.697.858,09 2,39% 8.707 2,39% 39,18%
9000: 9999 41.593.781,67 1,39% 5.012 1,38% 42,12%
10000:10999 88.272.406,53 2,94% 9.981 2,74% 42,81%
11000:11999 26.722.094,59 0,89% 3.328 0,91% 47,21%
12000:12999 30.058.066,91 1,00% 3.609 0,99% 48,86%
13000:13999 18.946.434,76 0,63% 2.313 0,64% 51,20%
14000:14999 14.366.302,98 0,48% 1.777 0,49% 53,35%
15000:15999 24.159.777,84 0,81% 2.711 0,75% 52,54%
16000:16999 9.103.231,76 0,30% 1.092 0,30% 56,35%
17000:17999 6.397.788,73 0,21% 854 0,23% 59,17%
18000:18999 6.542.373,64 0,22% 767 0,21% 58,74%
19000:19999 3.186.828,45 0,11% 417 0,11% 61,62%
20000:20000 9.062.333,92 0,30% 825 0,23% 55,90%20001: 22.965.282,59 0,77% 2.176 0,60% 62,39%
Total 2.999.999.999,38 100,00% 363.846 100,00% 19,86%
Downpayment and
Purchase Price All Contracts
Contracts with
Downpayment
Average downpayment 3.126,00 € 4.851,23 €
Average Purchase Price 15.741,21 € 16.832,37 €
Mimimum Downpayment 100,00 €
Maximum Downpayment 104.000,00 €
Downpayment in % 19,86% 28,82%
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 08.12.2017
Monthly Investor Report Payment Date 11.12.2017
Period No 39
16. Customer Yield Monthly Period Dez 2017
Interest Period from 13.11.2017 to 11.12.2017 = 28 days
Collection Period from 01.11.2017 to 30.11.2017
Yield Range*
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
0: 0 604.670,93 0,02% 56 0,02%
1: 1 84.704.062,19 2,82% 7.140 1,96%
2: 2 268.298.272,66 8,94% 24.995 6,87%
3: 3 1.191.770.668,83 39,73% 114.322 31,42%
4: 4 895.417.727,93 29,85% 116.316 31,97%
5: 5 358.036.188,41 11,93% 60.969 16,76%
6: 6 136.343.772,66 4,54% 25.675 7,06%
7: 7 39.042.028,59 1,30% 8.729 2,40%
8: 8 17.061.208,00 0,57% 3.527 0,97%
9: 9 7.191.148,75 0,24% 1.802 0,50%
10:10 1.228.208,75 0,04% 244 0,07%
11:11 292.596,21 0,01% 65 0,02%
12:12 4.635,76 0,00% 2 0,00%
13:13 3.181,63 0,00% 3 0,00%14:14 1.628,08 0,00% 1 0,00%
Total 2.999.999.999,38 100,00% 363.846 100,00%
Statistics in %
WA Interest 4,44%
*runs from .00 to .99
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 08.12.2017
Monthly Investor Report Payment Date 11.12.2017
Period No 39
16.1 Customer Yield (Graph) Monthly Period Dez 2017
Interest Period from 13.11.2017 to 11.12.2017 = 28 days
Collection Period from 01.11.2017 to 30.11.2017
*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 14:14
Cu
rren
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cip
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Bala
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Yield Range*
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 08.12.2017
Monthly Investor Report Payment Date 11.12.2017
Period No 39
17. Seasoning Monthly Period Dez 2017
Interest Period from 13.11.2017 to 11.12.2017 = 28 days
Collection Period from 01.11.2017 to 30.11.2017
Seasoning in
Months
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
0: 2 11.627.253,43 0,39% 885 0,24%
3: 5 125.745.611,81 4,19% 10.987 3,02%
6: 8 197.899.195,71 6,60% 17.362 4,77%
9:11 201.712.176,04 6,72% 17.459 4,80%
12:14 215.923.847,28 7,20% 19.759 5,43%
15:17 289.612.200,61 9,65% 27.789 7,64%
18:20 246.380.095,20 8,21% 24.538 6,74%
21:23 153.964.730,45 5,13% 16.114 4,43%
24:26 138.715.686,11 4,62% 14.861 4,08%
27:29 173.454.490,67 5,78% 19.564 5,38%
30:32 152.451.466,85 5,08% 18.644 5,12%
33:35 139.989.197,36 4,67% 18.328 5,04%
36:38 124.254.456,33 4,14% 16.605 4,56%
39:41 134.654.716,72 4,49% 18.628 5,12%
42:44 162.330.957,94 5,41% 24.278 6,67%
45:47 139.588.476,04 4,65% 22.304 6,13%
48:50 85.487.907,12 2,85% 13.217 3,63%
51:53 82.472.817,96 2,75% 13.914 3,82%
54:56 62.295.386,69 2,08% 11.716 3,22%
57:59 34.283.457,17 1,14% 6.928 1,90%
60:62 23.587.292,86 0,79% 4.496 1,24%
63:65 23.518.542,23 0,78% 4.436 1,22%
66:68 19.953.358,33 0,67% 4.289 1,18%
69:71 16.128.022,72 0,54% 3.824 1,05%
72:74 12.536.414,54 0,42% 3.044 0,84%
75:77 10.927.924,86 0,36% 2.719 0,75%
78:80 8.747.237,52 0,29% 2.439 0,67%81: 11.757.078,83 0,39% 4.719 1,30%
Total 2.999.999.999,38 100,00% 363.846 100,00%
Statistics
WA Seasoning 27,77
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 08.12.2017
Monthly Investor Report Payment Date 11.12.2017
Period No 39
17.1 Seasoning (Graph) Monthly Period Dez 2017
Interest Period from 13.11.2017 to 11.12.2017 = 28 days
Collection Period from 01.11.2017 to 30.11.2017
0
50.000.000
100.000.000
150.000.000
200.000.000
250.000.000
300.000.000
350.000.000
0: 2 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:
Cu
rren
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cip
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Bala
nce
Seasoning in Months
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 08.12.2017
Monthly Investor Report Payment Date 11.12.2017
Period No 39
18. Remaining Term Monthly Period Dez 2017
Interest Period from 13.11.2017 to 11.12.2017 = 28 days
Collection Period from 01.11.2017 to 30.11.2017
Remaining Term in
Months
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
0: 6 86.662.620,95 2,89% 32.192 8,85%
7: 13 150.911.935,04 5,03% 37.960 10,43%
14: 20 242.207.958,16 8,07% 46.717 12,84%
21: 27 249.079.855,80 8,30% 39.124 10,75%
28: 34 347.778.218,05 11,59% 45.123 12,40%
35: 41 303.981.924,08 10,13% 33.912 9,32%
42: 48 366.254.736,43 12,21% 36.135 9,93%
49: 55 310.295.035,56 10,34% 27.461 7,55%
56: 62 217.627.060,73 7,25% 18.454 5,07%
63: 69 222.702.762,73 7,42% 16.527 4,54%
70: 76 144.404.664,45 4,81% 9.538 2,62%
77: 83 191.636.966,53 6,39% 11.548 3,17%
84: 90 113.264.125,07 3,78% 6.390 1,76%
91: 97 47.104.590,67 1,57% 2.520 0,69%
98:104 5.190.970,57 0,17% 213 0,06%105:107 896.574,56 0,03% 32 0,01%
Total 2.999.999.999,38 100,00% 363.846 100,00%
Statistics
WA Remaining Term 45,01
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 08.12.2017
Monthly Investor Report Payment Date 11.12.2017
Period No 39
18.1 Remaining Term (Graph) Monthly Period Dez 2017
Interest Period from 13.11.2017 to 11.12.2017 = 28 days
Collection Period from 01.11.2017 to 30.11.2017
0
50.000.000
100.000.000
150.000.000
200.000.000
250.000.000
300.000.000
350.000.000
400.000.000
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
Cu
rren
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cip
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Bala
nce
Remaining Term in Months
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 08.12.2017
Monthly Investor Report Payment Date 11.12.2017
Period No 39
19. Original Term Monthly Period Dez 2017
Interest Period from 13.11.2017 to 11.12.2017 = 28 days
Collection Period from 01.11.2017 to 30.11.2017
Original Term in
Months
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
0: 12 1.178.637,18 0,04% 636 0,17%
13: 25 27.591.636,00 0,92% 9.869 2,71%
26: 38 130.221.240,29 4,34% 29.367 8,07%
39: 51 401.563.990,41 13,39% 60.682 16,68%
52: 64 827.060.183,48 27,57% 100.458 27,61%
65: 77 348.661.710,40 11,62% 46.359 12,74%
78: 90 330.340.861,14 11,01% 30.747 8,45%
91:103 904.029.219,60 30,13% 83.879 23,05%
104:116 6.315.663,49 0,21% 492 0,14%
117:119 2.150.998,52 0,07% 119 0,03%
120: 20.885.858,87 0,70% 1.238 0,34%
Total 2.999.999.999,38 100,00% 363.846 100,00%
Statistics
WA Original Term 72,79
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 08.12.2017
Monthly Investor Report Payment Date 11.12.2017
Period No 39
19.1 Original Term (Graph) Monthly Period Dez 2017
Interest Period from 13.11.2017 to 11.12.2017 = 28 days
Collection Period from 01.11.2017 to 30.11.2017
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
1.000.000.000
0: 12 13: 25 26: 38 39: 51 52: 64 65: 77 78: 90 91:103 104:116 117:119 120:
Cu
rren
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cip
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Bala
nce
Original Term in Months
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 08.12.2017
Monthly Investor Report Payment Date 11.12.2017
Period No 39
20. Manufacturer Brands Monthly Period Dez 2017
Interest Period from 13.11.2017 to 11.12.2017 = 28 days
Collection Period from 01.11.2017 to 30.11.2017
Manufacturer
brands
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
1 304.106.826,07 10,14% 30.467 8,37%
2 302.275.739,15 10,08% 37.604 10,34%
3 278.704.494,69 9,29% 38.455 10,57%
4 269.576.568,12 8,99% 33.751 9,28%
5 234.051.906,12 7,80% 23.292 6,40%
6 223.640.725,47 7,45% 25.782 7,09%
7 124.967.447,72 4,17% 13.110 3,60%
8 119.936.434,50 4,00% 12.031 3,31%
9 116.825.143,18 3,89% 14.861 4,08%
10 111.978.089,21 3,73% 12.461 3,42%
11 92.808.985,80 3,09% 11.415 3,14%
12 81.802.807,88 2,73% 9.534 2,62%
13 73.532.458,74 2,45% 10.483 2,88%
14 73.355.478,41 2,45% 11.327 3,11%
15 65.719.652,43 2,19% 8.059 2,21%
2.473.282.757,49 82,44% 292.632 80,43%
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 08.12.2017
Monthly Investor Report Payment Date 11.12.2017
Period No 39
21. Priority of Payments + Transaction Costs Monthly Period Dez 2017
Interest Period from 13.11.2017 to 11.12.2017 = 28 days
Collection Period from 01.11.2017 to 30.11.2017
Priority of Payments
Available Distribution Amount 160.648.458,39 €
Senior Expenses - - €
Interest Notes Class A - 2.722.168,50 €
Interest Notes Class B - 204.571,50 €
Replenishment - 117.147.253,50 €
Payments to Purchase Shortfall Account - 0,62 €
Payments to Reserve Fund - 30.000.000,00 €
Principal Payments Class A - - €
Principal Payments Class B - - €
Payments to Commingling Reserve Ledger - n/a Payments to Set-Off Reserve Ledger - n/a
Interest Subordinated Loan - 66.616,67 €
Principal Payments Subordinated Loan - - €
Payments to Seller = 10.507.847,60 €
Transaction Costs All notes Class A Class B Senior Expenses - €
Interest accrued for the Period 2.926.740,00 €- 2.722.168,50 €- 204.571,50 €-
Cumulative Interest accrued 123.241.620,00 €- 114.627.525,00 €- 8.614.095,00 €-
Interest Payments 2.926.740,00 €- 2.722.168,50 €- 204.571,50 €-
Cumulative Interest Payments 123.241.620,00 €- 114.627.525,00 €- 8.614.095,00 €-
Interest accrued on Subordinated Loan for the Period 66.616,67 €-
Cumulative Interest accrued on Subordinated Loan 2.805.037,52 €-
Interest Payments on Subordinated Loan 66.616,67 €-
Cumulative Interest Payments on Subordinated Loan 2.805.037,52 €-
Unpaid Interest for the Period - €
Cumulative Unpaid Interest - €
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 08.12.2017
Monthly Investor Report Payment Date 11.12.2017
Period No 39
22. Retention Monthly Period 11.12.2017
Interest Period from 13.11.2017 to 11.12.2017 = 28 days
Collection Period from 01.11.2017 to 30.11.2017
2.999.999.999,91 €
2.999.999.999,49 €
2.999.999.999,38 €
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: 2.895.000.000,00 €
Outstanding Balance of the Class A Notes of the end of the Monthly Period: 2.895.000.000,00 €
101,00%
101,00%
101,00%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 08.12.2017
Monthly Investor Report 11.12.2017
39
23. Counterparties Dez 2017
from 13.11.2017 to 11.12.2017 = 28 days
from 01.11.2017 to 30.11.2017
Long
Term
Short
TermOutlook
Long
Term
Short
TermOutlook
Counterpart
y status
Calculation Agent, Cash Administrator:Wilmington Trust SP Services (Frankfurt) GmbH
- - - - - -performing
Steinweg 3-5
eMail: [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 STABLE performing
33, rue de Gasperich
eMail: [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 101
eMail: [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 Septembre
eMail: [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 30.11.2017, 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 08.12.2017
Monthly Investor Report Payment Date 11.12.2017
Period No 39
24. Issuer Information Monthly Period Dez 2017
Interest Period from 13.11.2017 to 11.12.2017 = 28 days
Collection Period from 01.11.2017 to 30.11.2017
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 08.12.2017
Monthly Investor Report 11.12.2017
39
25. Santander Consumer Bank Dez 2017
from 13.11.2017 to 11.12.2017 = 28 days
from 01.11.2017 to 30.11.2017
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]
Ronja Dahmen +49-2161-690-9453 [email protected]
Team ABS [email protected]
Ratings Santander
Long
Term
Short
TermOutlook
Long
Term
Short
TermOutlook
A R-1L STABLE A- A-2 STABLE
- - - BBB+ A-2 STABLE
- - - BBB+ A-2 STABLE
Ratings as of 30.11.2017, 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