SC Germany Auto 2014-2
Monthly Investor Report
SC Germany Auto 2014-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 38
Cover Sheet Monthly Investor Report Monthly Period Nov 2017
Interest Period from 11.10.2017 to 13.11.2017 = 33 days
Collection Period from 01.10.2017 to 31.10.2017
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 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 38
1. Portfolio Information Monthly Period Nov 2017
Interest Period from 11.10.2017 to 13.11.2017 = 33 days
Collection Period from 01.10.2017 to 31.10.2017
current period previous period
Outstanding ReceivablesNo. of
Contracts
Aggregate Outstanding
Principal Amount
Aggregate Outstanding
Principal Amount
Beginning of Period 362.661 2.999.999.999,87 € 2.999.999.999,90 €
Scheduled Principal Payments 73.716.968,60 €
Prepayment Principal 38.327.509,24 €
Others 2.573.324,28 €
Total Principal Collections 114.617.802,12 € 114.394.027,51 €
Total Interest Collections 13.797.564,03 € 13.946.603,65 €
Defaults 592.133,77 € 605.294,42 €
Replenishment Amount 115.209.935,51 € 114.999.321,90 €
End of Period 363.100 2.999.999.999,49 € 2.999.999.999,87 €
Purchase Shortfall Amount 0,51 € 0,13 €
Total Assets (End of Period) 3.000.000.000,00 € 3.000.000.000,00 €
Current Prepayment Rate (annualised) 14,3%
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 38
2. Reserve Accounts Monthly Period Nov 2017
Interest Period from 11.10.2017 to 13.11.2017 = 33 days
Collection Period from 01.10.2017 to 31.10.2017
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 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 38
3. Delinquency Data Monthly Period Nov 2017
Interest Period from 11.10.2017 to 13.11.2017 = 33 days
Collection Period from 01.10.2017 to 31.10.2017
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 0,26%
1- 30 days past due period before previous period 10.811.925,83 € 505.299,21 € 1146
1- 30 days past due previous period 5.591.989,26 € 282.231,92 € 610
1- 30 days past due current period 0,23% 6.793.381,90 € 376.420,61 € 773
3-MRA* 31- 60 days past due 0,20%
31- 60 days past due period before previous period 5.620.997,77 € 303.022,15 € 662
31- 60 days past due previous period 7.065.145,07 € 400.559,39 € 808
31- 60 days past due current period 0,17% 5.001.734,14 € 245.288,51 € 602
3-MRA* 61-90 days past due 0,07%
61- 90 days past due period before previous period 2.072.166,00 € 177.986,34 € 225
61- 90 days past due previous period 1.841.518,76 € 175.411,34 € 243
61- 90 days past due current period 0,08% 2.439.641,37 € 199.165,14 € 289
3-MRA* 91-120 days past due 0,05%
91- 120 days past due period before previous period 1.506.512,43 € 160.742,92 € 167
91- 120 days past due previous period 1.314.106,74 € 147.129,81 € 141
91- 120 days past due current period 0,04% 1.302.112,45 € 150.418,12 € 147
3-MRA* 121-150 days past due 0,02%
121- 150 days past due period before previous period 771.354,04 € 102.167,11 € 80
121- 150 days past due previous period 895.285,18 € 96.927,13 € 86
121- 150 days past due current period 0,02% 569.857,70 € 68.161,16 € 67
3-MRA* 151-180 days past due 0,02%
151- 180 days past due period before previous period 844.482,82 € 123.810,54 € 83
151- 180 days past due previous period 646.546,00 € 126.941,38 € 72
151- 180 days past due current period 0,02% 672.330,72 € 122.046,24 € 70
* 3-MRA stands for three months rolling average
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 38
4. Default Data Monthly Period Nov 2017
Interest Period from 11.10.2017 to 13.11.2017 = 33 days
Collection Period from 01.10.2017 to 31.10.2017
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 592.133,77 €
Current Period Recoveries 102.079,99 €
Current Period Net Default 490.053,78 €
New Number of Defaulted Contracts 80
Cumulative Default
Cumulative Gross Default 15.548.360,37 €
Cumulative Recoveries 2.631.727,61 €
Cumulative Net Default 12.916.632,76 €
Total Number of Defaulted Contracts 2.263
3-MRA* /
current ratio Ratio
3-MRA* Annualised Net Default Ratio (New Default) 0,18%
Annualised Loss Ratio period before previous period 0,16%
Annualised Loss Ratio previous period 0,19%
Annualised Loss Ratio current period 0,20% 0,20%
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 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 38
5. Concentration Limits Monthly Period Nov 2017
Interest Period from 11.10.2017 to 13.11.2017 = 33 days
Collection Period from 01.10.2017 to 31.10.2017
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% - 4,46% no
Contracts with Balloon Rates (applicable for Total Portfolio) - 30,00% 26,37% no
Remaining Term (applicable for Total Portfolio) - 62,50 44,79 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% 30,90% 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% 0,18% no
Purchase Shortfall Event no
Period before previous period 1,37 €
Previous period 0,10 €
Current period 0,13 €
Principal Deficiency Event no
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 38
6. Outstanding Notes Monthly Period Nov 2017
Interest Period from 11.10.2017 to 13.11.2017 = 33 days
Collection Period from 01.10.2017 to 31.10.2017
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 158.517.446,27 €
Replenishment 115.209.935,51 €
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 33
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 3.208.528,50 € 241.111,50 €
Interest Payment 3.208.528,50 € 241.111,50 €
Interest Payment per Note 110,83 € 229,63 €
3. Credit Enhancements Class A Class B Initial total CE (Subordination, Reserve) 4,50% 1,00%
Current CE (incl. Excess Spread) 7,71% 4,21%
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 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 38
7. Original Principal Balance Monthly Period Nov 2017
Interest Period from 11.10.2017 to 13.11.2017 = 33 days
Collection Period from 01.10.2017 to 31.10.2017
Original Principal Balance
(Ranges in EUR)
Original Principal
Balance in EUR
Percentage of
Total Balance Number of Loans
Percentage of Total
Loans
0: 999 38.439,47 0,00% 47 0,01%
1000: 1999 1.493.897,69 0,03% 916 0,25%
2000: 2999 10.398.023,84 0,21% 4.082 1,12%
3000: 3999 30.014.874,08 0,61% 8.544 2,35%
4000: 4999 59.402.434,37 1,20% 13.169 3,63%
5000: 5999 96.188.976,57 1,95% 17.486 4,82%
6000: 6999 126.849.085,92 2,57% 19.478 5,36%
7000: 7999 157.959.469,42 3,20% 21.027 5,79%
8000: 8999 187.915.508,83 3,80% 22.094 6,08%
9000: 9999 213.377.932,18 4,32% 22.430 6,18%
10000:10999 261.000.074,29 5,28% 24.865 6,85%
11000:11999 256.035.929,18 5,18% 22.258 6,13%
12000:12999 261.730.090,54 5,30% 20.945 5,77%
13000:13999 262.313.440,86 5,31% 19.442 5,35%
14000:14999 260.138.078,84 5,26% 17.943 4,94%
15000:15999 259.046.035,67 5,24% 16.721 4,61%
16000:16999 242.609.871,93 4,91% 14.707 4,05%
17000:17999 223.085.961,63 4,51% 12.751 3,51%
18000:18999 210.689.221,83 4,26% 11.397 3,14%
19000:19999 194.821.047,80 3,94% 9.997 2,75%
20000:20999 190.657.931,85 3,86% 9.315 2,57%
21000:21999 178.247.949,14 3,61% 8.294 2,28%
22000:22999 155.452.275,15 3,15% 6.910 1,90%
23000:23999 137.502.100,67 2,78% 5.853 1,61%
24000:24999 122.815.744,61 2,48% 5.016 1,38%
25000:25999 109.112.019,30 2,21% 4.283 1,18%
26000:26999 100.697.100,76 2,04% 3.801 1,05%
27000:27999 88.606.036,20 1,79% 3.223 0,89%
28000:28999 77.482.315,15 1,57% 2.721 0,75%
29000:29999 67.402.948,33 1,36% 2.285 0,63%
30000:30999 58.061.034,93 1,17% 1.906 0,52%
31000:31999 48.792.851,09 0,99% 1.550 0,43%
32000:32999 42.721.148,15 0,86% 1.315 0,36%
33000:33999 33.423.109,41 0,68% 998 0,27%
34000:34999 28.589.557,21 0,58% 829 0,23%
35000:35999 25.503.831,44 0,52% 719 0,20%
36000:36999 21.275.491,29 0,43% 583 0,16%
37000:37999 17.171.120,82 0,35% 458 0,13%
38000:38999 15.043.927,19 0,30% 391 0,11%
39000:39999 13.568.115,64 0,27% 344 0,09%
40000:40999 13.253.683,02 0,27% 328 0,09%
41000:41999 8.671.063,11 0,18% 209 0,06%
42000:42999 9.172.397,29 0,19% 216 0,06%
43000:43999 6.609.432,41 0,13% 152 0,04%
44000:44999 6.405.652,53 0,13% 144 0,04%
45000:45999 5.591.969,39 0,11% 123 0,03%
46000:46999 4.604.750,91 0,09% 99 0,03%
47000:47999 4.461.172,06 0,09% 94 0,03%
48000:48999 3.827.214,02 0,08% 79 0,02%
49000:49999 3.513.426,73 0,07% 71 0,02%
50000:50999 3.124.175,64 0,06% 62 0,02%
51000:51999 2.424.380,46 0,05% 47 0,01%
52000:52999 2.570.602,28 0,05% 49 0,01%
53000:53999 1.762.300,60 0,04% 33 0,01%
54000:54999 1.689.165,50 0,03% 31 0,01%
55000:55999 1.607.859,44 0,03% 29 0,01%
56000:56999 1.915.763,04 0,04% 34 0,01%
57000:57999 1.605.818,47 0,03% 28 0,01%
58000:58999 877.045,96 0,02% 15 0,00%
59000:59999 537.272,85 0,01% 9 0,00%
60000:60000 240.000,00 0,00% 4 0,00%60001: 10.715.737,61 0,22% 151 0,04%
Total 4.942.415.886,59 100,00% 363.100 100,00%
Statistics in EUR
Average Amount 13.611,72
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 38
7.1 Original PB (Graph) Monthly Period Nov 2017
Interest Period from 11.10.2017 to 13.11.2017 = 33 days
Collection Period from 01.10.2017 to 31.10.2017
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
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nc
e
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 38
8. Current Principal Balance Monthly Period Nov 2017
Interest Period from 11.10.2017 to 13.11.2017 = 33 days
Collection Period from 01.10.2017 to 31.10.2017
Current Principal Balance
(Ranges in EUR)
Current Principal
Balance in EUR
Percentage of
Total Balance Number of Loans
Percentage of
Total Loans
0: 999 10.099.333,20 0,34% 20.286 5,59%
1000: 1999 38.728.867,33 1,29% 25.697 7,08%
2000: 2999 69.336.842,33 2,31% 27.660 7,62%
3000: 3999 100.673.363,31 3,36% 28.747 7,92%
4000: 4999 127.988.351,01 4,27% 28.454 7,84%
5000: 5999 148.572.352,39 4,95% 27.042 7,45%
6000: 6999 166.144.801,41 5,54% 25.597 7,05%
7000: 7999 177.657.752,26 5,92% 23.705 6,53%
8000: 8999 186.460.802,17 6,22% 21.955 6,05%
9000: 9999 186.740.248,13 6,22% 19.678 5,42%
10000:10999 181.151.412,93 6,04% 17.276 4,76%
11000:11999 172.719.191,47 5,76% 15.032 4,14%
12000:12999 163.002.800,87 5,43% 13.057 3,60%
13000:13999 150.473.110,87 5,02% 11.162 3,07%
14000:14999 137.898.538,33 4,60% 9.516 2,62%
15000:15999 123.754.107,53 4,13% 7.990 2,20%
16000:16999 112.356.555,36 3,75% 6.815 1,88%
17000:17999 101.068.712,40 3,37% 5.781 1,59%
18000:18999 87.939.645,98 2,93% 4.759 1,31%
19000:19999 78.536.207,75 2,62% 4.032 1,11%
20000:20999 68.330.755,52 2,28% 3.336 0,92%
21000:21999 57.932.300,92 1,93% 2.695 0,74%
22000:22999 48.542.126,35 1,62% 2.158 0,59%
23000:23999 43.239.251,27 1,44% 1.841 0,51%
24000:24999 38.213.400,64 1,27% 1.561 0,43%
25000:25999 31.968.844,36 1,07% 1.255 0,35%
26000:26999 27.822.484,70 0,93% 1.050 0,29%
27000:27999 23.559.644,37 0,79% 857 0,24%
28000:28999 19.119.198,46 0,64% 671 0,18%
29000:29999 16.418.072,05 0,55% 557 0,15%
30000:30999 15.207.551,79 0,51% 499 0,14%
31000:31999 12.250.753,77 0,41% 389 0,11%
32000:32999 10.108.571,75 0,34% 311 0,09%
33000:33999 9.576.079,93 0,32% 286 0,08%
34000:34999 7.896.433,04 0,26% 229 0,06%
35000:35999 6.098.151,15 0,20% 172 0,05%
36000:36999 6.128.714,18 0,20% 168 0,05%
37000:37999 4.341.427,87 0,14% 116 0,03%
38000:38999 3.697.267,03 0,12% 96 0,03%
39000:39999 3.633.446,27 0,12% 92 0,03%
40000:40999 2.551.891,87 0,09% 63 0,02%
41000:41999 2.238.602,75 0,07% 54 0,01%
42000:42999 2.804.697,92 0,09% 66 0,02%
43000:43999 1.913.375,22 0,06% 44 0,01%
44000:44999 1.687.489,56 0,06% 38 0,01%
45000:45999 1.593.462,65 0,05% 35 0,01%
46000:46999 1.673.813,34 0,06% 36 0,01%
47000:47999 1.375.926,94 0,05% 29 0,01%
48000:48999 1.019.827,98 0,03% 21 0,01%
49000:49999 692.411,76 0,02% 14 0,00%
50000:50999 856.930,45 0,03% 17 0,00%
51000:51999 462.758,30 0,02% 9 0,00%
52000:52999 733.004,16 0,02% 14 0,00%
53000:53999 482.966,59 0,02% 9 0,00%
54000:54999 326.838,61 0,01% 6 0,00%
55000:55999 277.952,32 0,01% 5 0,00%
56000:56999 226.407,86 0,01% 4 0,00%
57000:57999 518.186,51 0,02% 9 0,00%
58000:58999 409.092,63 0,01% 7 0,00%
59000:59999 178.054,93 0,01% 3 0,00%60001: 2.588.834,69 0,09% 37 0,01%
Total 2.999.999.999,49 100,00% 363.100 100,00%
Statistics in EUR
Average Amount 8.262,19
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 38
8.1 Current PB (Graph) Monthly Period Nov 2017
Interest Period from 11.10.2017 to 13.11.2017 = 33 days
Collection Period from 01.10.2017 to 31.10.2017
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
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Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 38
9. Borrower Concentration Monthly Period Nov 2017
Interest Period from 11.10.2017 to 13.11.2017 = 33 days
Collection Period from 01.10.2017 to 31.10.2017
No
Current Principal
Balance in EUR
Percentage of
Balance Number of Loans
1 95.637,49 0,0032% 1
2 94.795,86 0,0032% 1
3 91.432,13 0,0030% 1
4 89.216,43 0,0030% 1
5 87.586,63 0,0029% 1
6 84.767,64 0,0028% 1
7 81.589,96 0,0027% 2
8 79.053,10 0,0026% 1
9 76.611,80 0,0026% 1
10 76.018,24 0,0025% 2
11 72.416,71 0,0024% 1
12 72.146,84 0,0024% 1
13 71.531,14 0,0024% 1
14 71.519,41 0,0024% 1
15 71.346,55 0,0024% 1
16 71.186,06 0,0024% 1
17 70.378,64 0,0023% 1
18 70.291,42 0,0023% 2
19 68.726,72 0,0023% 1
20 68.387,13 0,0023% 1
21 67.051,74 0,0022% 1
22 66.323,62 0,0022% 1
23 65.731,52 0,0022% 1
24 65.448,03 0,0022% 1
25 64.761,55 0,0022% 2
1.893.956,36 0,0631% 29
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 38
10. Geographical Distribution Monthly Period Nov 2017
Interest Period from 11.10.2017 to 13.11.2017 = 33 days
Collection Period from 01.10.2017 to 31.10.2017
State
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
Baden-Wuerttemberg 289.551.924,46 9,65% 33.182 9,14%
Bavaria 292.504.641,83 9,75% 33.433 9,21%
Berlin 58.027.171,82 1,93% 7.307 2,01%
Brandenburg 181.591.941,08 6,05% 23.000 6,33%
Bremen 17.454.033,16 0,58% 2.136 0,59%
Hamburg 31.792.820,85 1,06% 3.889 1,07%
Hesse 173.834.047,29 5,79% 20.684 5,70%
Lower Saxony 315.038.570,65 10,50% 38.074 10,49%
Mecklenburg-Western Pomerania 158.962.849,19 5,30% 20.081 5,53%
North Rhine-Westphalia 550.246.742,64 18,34% 66.569 18,33%
Rhineland-Palatinate 133.229.279,84 4,44% 15.729 4,33%
Saarland 41.670.365,64 1,39% 4.821 1,33%
Saxonia 204.743.201,59 6,82% 27.005 7,44%
Saxony-Anhalt 245.890.532,50 8,20% 30.250 8,33%
Schleswig-Holstein 115.985.842,66 3,87% 14.435 3,98%
Thuringia 184.043.674,22 6,13% 21.870 6,02%
n/a 5.432.360,07 0,18% 635 0,17%
Total 2.999.999.999,49 100,00% 363.100 100,00%
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 38
10.1 Geographical Distribution (Graph) Monthly Period Nov 2017
Interest Period from 11.10.2017 to 13.11.2017 = 33 days
Collection Period from 01.10.2017 to 31.10.2017
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 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 38
11. Object/Vehicle Type Monthly Period Nov 2017
Interest Period from 11.10.2017 to 13.11.2017 = 33 days
Collection Period from 01.10.2017 to 31.10.2017
Vehicle Type
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
New Vehicle 1.129.395.301,86 37,65% 114.267 31,47%Used Vehicle 1.870.604.697,63 62,35% 248.833 68,53%
Total 2.999.999.999,49 100,00% 363.100 100,00%
Object Type
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
Car 2.903.261.459,96 96,78% 348.035 95,85%
Motorbike 49.140.794,23 1,64% 11.080 3,05%Leisure 47.597.745,30 1,59% 3985 1,10%
Total 2.999.999.999,49 100,00% 363.100 100,00%
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 38
12. Insurances Monthly Period Nov 2017
Interest Period from 11.10.2017 to 13.11.2017 = 33 days
Collection Period from 01.10.2017 to 31.10.2017
Payment Protection
Insurance
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
No 927.852.254,50 30,93% 112.687 31,03%Yes 2.072.147.744,99 69,07% 250.413 68,97%
Total 2.999.999.999,49 100,00% 363.100 100,00%
Gap Insurance
(Santander Safe)
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
No 1.991.575.536,83 66,39% 254.414 70,07%Yes 1.008.424.462,66 33,61% 108.686 29,93%
Total 2.999.999.999,49 100,00% 363.100 100,00%
Repair Cost Insurance
(Santander AutoCare)
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
No 2.699.146.189,34 89,97% 327.431 90,18%Yes 300.853.810,15 10,03% 35.669 9,82%
Total 2.999.999.999,49 100,00% 363.100 100,00%
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 38
13. Type of Contract Monthly Period Nov 2017
Interest Period from 11.10.2017 to 13.11.2017 = 33 days
Collection Period from 01.10.2017 to 31.10.2017
Contracts w/Balloon Payments
Current Principal Balance
in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
No 2.208.842.611,30 73,63% 295.793 81,46%
Yes 791.157.388,19 26,37% 67.307 18,54%
- of which balloon rates 498.096.052,52 16,60%
- of which regular installments 293.061.335,67 9,77%
Total 2.999.999.999,49 100,00% 363.100 100,00%
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
0:12 151.968,24 0,03% 21 0,03%
13:25 4.774.220,42 0,96% 611 0,91%
26:38 34.205.868,85 6,87% 4.511 6,70%
39:51 170.241.216,74 34,18% 21.746 32,31%
52:64 288.282.842,78 57,88% 40.372 59,98%
65:72 296.343,10 0,06% 33 0,05%73: 143.592,39 0,03% 13 0,02%
Total 498.096.052,52 100,00% 67.307 100,00%
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
0:12 129.471.574,60 25,99% 17.940 26,65%
13:25 143.912.940,92 28,89% 20.008 29,73%
26:38 119.973.624,37 24,09% 15.961 23,71%
39:51 89.529.004,45 17,97% 11.505 17,09%
52:64 15.123.587,03 3,04% 1.888 2,81%
65:72 62.571,50 0,01% 3 0,00%73: 22.749,65 0,00% 2 0,00%
Total 498.096.052,52 100,00% 67.307 100,00%
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 38
14. Payment Methods Monthly Period Nov 2017
Interest Period from 11.10.2017 to 13.11.2017 = 33 days
Collection Period from 01.10.2017 to 31.10.2017
Payment Method
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
Direct Debit 2.970.614.521,52 99,02% 359.065 98,89%Other 29.385.477,97 0,98% 4.035 1,11%
Total 2.999.999.999,49 100,00% 363.100 100,00%
Cycle of Payment
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
15th of month 1.391.775.390,75 46,39% 169.074 46,56%1st of month 1.608.224.608,74 53,61% 194.026 53,44%
Total 2.999.999.999,49 100,00% 363.100 100,00%
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 38
15. Downpayment Monthly Period Nov 2017
Interest Period from 11.10.2017 to 13.11.2017 = 33 days
Collection Period from 01.10.2017 to 31.10.2017
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 1.186.308.599,56 39,54% 129.098 35,55% 0,00%
0: 999 114.270.211,16 3,81% 18.153 5,00% 5,24%
1000: 1999 253.196.796,36 8,44% 36.748 10,12% 10,63%
2000: 2999 274.440.620,71 9,15% 36.823 10,14% 16,24%
3000: 3999 230.406.559,25 7,68% 29.559 8,14% 21,07%
4000: 4999 174.247.833,31 5,81% 21.800 6,00% 25,52%
5000: 5999 194.783.260,70 6,49% 23.108 6,36% 28,57%
6000: 6999 114.126.028,75 3,80% 14.075 3,88% 33,11%
7000: 7999 85.742.218,52 2,86% 10.506 2,89% 36,44%
8000: 8999 71.964.337,39 2,40% 8.689 2,39% 39,08%
9000: 9999 41.708.301,29 1,39% 5.002 1,38% 42,06%
10000:10999 88.310.100,84 2,94% 9.931 2,74% 42,69%
11000:11999 26.852.687,48 0,90% 3.317 0,91% 47,10%
12000:12999 29.809.638,22 0,99% 3.548 0,98% 48,70%
13000:13999 18.840.950,92 0,63% 2.292 0,63% 50,96%
14000:14999 14.495.240,38 0,48% 1.764 0,49% 53,12%
15000:15999 23.989.052,00 0,80% 2.670 0,74% 52,39%
16000:16999 9.059.283,46 0,30% 1.080 0,30% 56,29%
17000:17999 6.339.466,07 0,21% 839 0,23% 59,09%
18000:18999 6.390.110,54 0,21% 744 0,20% 58,52%
19000:19999 3.159.129,23 0,11% 413 0,11% 61,53%
20000:20000 8.782.370,06 0,29% 803 0,22% 55,75%20001: 22.777.203,29 0,76% 2.138 0,59% 62,19%
Total 2.999.999.999,49 100,00% 363.100 100,00% 19,81%
Downpayment and
Purchase Price All Contracts
Contracts with
Downpayment
Average downpayment 3.116,27 € 4.835,51 €
Average Purchase Price 15.733,68 € 16.834,10 €
Mimimum Downpayment 100,00 €
Maximum Downpayment 104.000,00 €
Downpayment in % 19,81% 28,72%
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 38
16. Customer Yield Monthly Period Nov 2017
Interest Period from 11.10.2017 to 13.11.2017 = 33 days
Collection Period from 01.10.2017 to 31.10.2017
Yield Range*
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
0: 0 596.425,72 0,02% 53 0,01%
1: 1 82.440.057,07 2,75% 6.861 1,89%
2: 2 262.360.414,30 8,75% 24.184 6,66%
3: 3 1.170.772.494,76 39,03% 111.703 30,76%
4: 4 910.451.234,01 30,35% 117.307 32,31%
5: 5 367.355.469,46 12,25% 62.033 17,08%
6: 6 139.781.995,60 4,66% 26.257 7,23%
7: 7 40.177.508,41 1,34% 8.957 2,47%
8: 8 17.220.467,67 0,57% 3.587 0,99%
9: 9 7.321.298,66 0,24% 1.835 0,51%
10:10 1.207.414,32 0,04% 247 0,07%
11:11 304.981,72 0,01% 70 0,02%
12:12 4.940,08 0,00% 2 0,00%
13:13 3.471,88 0,00% 3 0,00%14:14 1.825,83 0,00% 1 0,00%
Total 2.999.999.999,49 100,00% 363.100 100,00%
Statistics in %
WA Interest 4,46%
*runs from .00 to .99
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 38
16.1 Customer Yield (Graph) Monthly Period Nov 2017
Interest Period from 11.10.2017 to 13.11.2017 = 33 days
Collection Period from 01.10.2017 to 31.10.2017
*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
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Yield Range*
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 38
17. Seasoning Monthly Period Nov 2017
Interest Period from 11.10.2017 to 13.11.2017 = 33 days
Collection Period from 01.10.2017 to 31.10.2017
Seasoning in
Months
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
0: 2 10.991.543,79 0,37% 883 0,24%
3: 5 125.005.263,19 4,17% 10.837 2,98%
6: 8 199.253.148,30 6,64% 17.002 4,68%
9:11 180.799.559,16 6,03% 15.519 4,27%
12:14 242.322.172,42 8,08% 22.308 6,14%
15:17 311.401.762,69 10,38% 29.613 8,16%
18:20 201.446.111,63 6,71% 20.224 5,57%
21:23 140.201.698,95 4,67% 14.497 3,99%
24:26 159.174.067,20 5,31% 17.270 4,76%
27:29 176.901.020,94 5,90% 20.062 5,53%
30:32 161.199.417,15 5,37% 19.854 5,47%
33:35 124.489.780,07 4,15% 16.270 4,48%
36:38 139.542.809,97 4,65% 18.919 5,21%
39:41 148.863.863,11 4,96% 20.611 5,68%
42:44 169.656.998,74 5,66% 25.419 7,00%
45:47 120.592.092,47 4,02% 19.090 5,26%
48:50 90.658.500,43 3,02% 14.204 3,91%
51:53 82.272.616,69 2,74% 13.940 3,84%
54:56 56.696.840,00 1,89% 10.597 2,92%
57:59 28.688.752,28 0,96% 5.682 1,56%
60:62 26.965.158,69 0,90% 5.271 1,45%
63:65 23.936.203,15 0,80% 4.583 1,26%
66:68 21.266.655,59 0,71% 4.539 1,25%
69:71 14.003.466,62 0,47% 3.325 0,92%
72:74 13.595.315,52 0,45% 3.361 0,93%
75:77 11.022.857,95 0,37% 2.674 0,74%
78:80 8.712.308,64 0,29% 2.418 0,67%81: 10.340.014,15 0,34% 4.128 1,14%
Total 2.999.999.999,49 100,00% 363.100 100,00%
Statistics
WA Seasoning 27,80
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 38
17.1 Seasoning (Graph) Monthly Period Nov 2017
Interest Period from 11.10.2017 to 13.11.2017 = 33 days
Collection Period from 01.10.2017 to 31.10.2017
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:
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Seasoning in Months
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 38
18. Remaining Term Monthly Period Nov 2017
Interest Period from 11.10.2017 to 13.11.2017 = 33 days
Collection Period from 01.10.2017 to 31.10.2017
Remaining Term in
Months
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
0: 6 81.071.675,86 2,70% 30.737 8,47%
7: 13 159.765.711,32 5,33% 39.810 10,96%
14: 20 236.604.359,04 7,89% 44.890 12,36%
21: 27 250.620.432,95 8,35% 39.587 10,90%
28: 34 349.134.374,56 11,64% 45.212 12,45%
35: 41 307.604.511,90 10,25% 34.189 9,42%
42: 48 376.347.743,61 12,54% 36.980 10,18%
49: 55 309.409.480,76 10,31% 27.026 7,44%
56: 62 231.194.156,85 7,71% 19.569 5,39%
63: 69 216.716.736,20 7,22% 16.063 4,42%
70: 76 141.983.019,72 4,73% 9.382 2,58%
77: 83 180.633.991,58 6,02% 10.881 3,00%
84: 90 111.739.532,91 3,72% 6.319 1,74%
91: 97 41.792.648,06 1,39% 2.238 0,62%
98:104 4.436.379,07 0,15% 184 0,05%105:107 945.245,10 0,03% 33 0,01%
Total 2.999.999.999,49 100,00% 363.100 100,00%
Statistics
WA Remaining Term 44,79
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 38
18.1 Remaining Term (Graph) Monthly Period Nov 2017
Interest Period from 11.10.2017 to 13.11.2017 = 33 days
Collection Period from 01.10.2017 to 31.10.2017
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
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Remaining Term in Months
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 38
19. Original Term Monthly Period Nov 2017
Interest Period from 11.10.2017 to 13.11.2017 = 33 days
Collection Period from 01.10.2017 to 31.10.2017
Original Term in
Months
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
0: 12 1.156.738,67 0,04% 612 0,17%
13: 25 27.026.238,21 0,90% 9.541 2,63%
26: 38 130.122.409,45 4,34% 29.364 8,09%
39: 51 409.869.155,31 13,66% 61.373 16,90%
52: 64 839.215.453,73 27,97% 100.957 27,80%
65: 77 344.797.991,30 11,49% 46.025 12,68%
78: 90 320.939.934,30 10,70% 30.001 8,26%
91:103 898.306.297,29 29,94% 83.424 22,98%
104:116 6.231.634,26 0,21% 478 0,13%
117:119 1.984.144,78 0,07% 114 0,03%
120: 20.350.002,19 0,68% 1.211 0,33%
Total 2.999.999.999,49 100,00% 363.100 100,00%
Statistics
WA Original Term 72,59
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 38
19.1 Original Term (Graph) Monthly Period Nov 2017
Interest Period from 11.10.2017 to 13.11.2017 = 33 days
Collection Period from 01.10.2017 to 31.10.2017
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:
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Original Term in Months
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 38
20. Manufacturer Brands Monthly Period Nov 2017
Interest Period from 11.10.2017 to 13.11.2017 = 33 days
Collection Period from 01.10.2017 to 31.10.2017
Manufacturer
brands
Current Principal
Balance in EUR
Percentage of Total
Balance Number of Loans
Percentage of Total
Loans
1 305.978.618,65 10,20% 30.501 8,40%
2 301.841.017,04 10,06% 37.543 10,34%
3 280.017.649,08 9,33% 38.522 10,61%
4 269.006.458,79 8,97% 33.673 9,27%
5 238.413.779,61 7,95% 23.609 6,50%
6 222.003.899,58 7,40% 25.540 7,03%
7 124.950.441,00 4,17% 13.049 3,59%
8 119.175.761,56 3,97% 11.936 3,29%
9 116.389.516,77 3,88% 14.790 4,07%
10 110.680.349,20 3,69% 12.336 3,40%
11 92.858.739,02 3,10% 11.398 3,14%
12 81.805.099,14 2,73% 9.532 2,63%
13 74.450.733,59 2,48% 10.556 2,91%
14 73.755.463,66 2,46% 11.398 3,14%
15 64.567.408,02 2,15% 7.994 2,20%
2.475.894.934,71 82,53% 292.377 80,52%
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 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 38
21. Priority of Payments + Transaction Costs Monthly Period Nov 2017
Interest Period from 11.10.2017 to 13.11.2017 = 33 days
Collection Period from 01.10.2017 to 31.10.2017
Priority of Payments
Available Distribution Amount 158.517.446,27 €
Senior Expenses - 49.706,67 €
Interest Notes Class A - 3.208.528,50 €
Interest Notes Class B - 241.111,50 €
Replenishment - 115.209.935,51 €
Payments to Purchase Shortfall Account - 0,51 €
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 - 78.512,50 €
Principal Payments Subordinated Loan - - €
Payments to Seller = 9.729.651,08 €
Transaction Costs All notes Class A Class B Senior Expenses 49.706,67 €-
Interest accrued for the Period 3.449.640,00 €- 3.208.528,50 €- 241.111,50 €-
Cumulative Interest accrued 120.314.880,00 €- 111.905.356,50 €- 8.409.523,50 €-
Interest Payments 3.449.640,00 €- 3.208.528,50 €- 241.111,50 €-
Cumulative Interest Payments 120.314.880,00 €- 111.905.356,50 €- 8.409.523,50 €-
Interest accrued on Subordinated Loan for the Period 78.512,50 €-
Cumulative Interest accrued on Subordinated Loan 2.738.420,85 €-
Interest Payments on Subordinated Loan 78.512,50 €-
Cumulative Interest Payments on Subordinated Loan 2.738.420,85 €-
Unpaid Interest for the Period - €
Cumulative Unpaid Interest - €
Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
SC Germany Auto 2014-2 Reporting Date 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 38
22. Retention Monthly Period 01.11.2017
Interest Period from 11.10.2017 to 13.11.2017 = 33 days
Collection Period from 01.10.2017 to 31.10.2017
2.999.999.999,91 €
2.999.999.999,87 €
2.999.999.999,49 €
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 10.11.2017
Monthly Investor Report 13.11.2017
38
23. Counterparties Nov 2017
from 11.10.2017 to 13.11.2017 = 33 days
from 01.10.2017 to 31.10.2017
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 31.10.2017, 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 10.11.2017
Monthly Investor Report Payment Date 13.11.2017
Period No 38
24. Issuer Information Monthly Period Nov 2017
Interest Period from 11.10.2017 to 13.11.2017 = 33 days
Collection Period from 01.10.2017 to 31.10.2017
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 10.11.2017
Monthly Investor Report 13.11.2017
38
25. Santander Consumer Bank Nov 2017
from 11.10.2017 to 13.11.2017 = 33 days
from 01.10.2017 to 31.10.2017
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 31.10.2017, 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