INVESTORS REPORT IBL CQS S.r.l.

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IBL CQS S.r.l. - public transaction
INVESTORS REPORT
Public Transaction - Series 2012-2 € 698,800,000 Class A Asset Backed Fixed Rate Notes due October 2038
Public Transaction - Series 2012-2 € 65,800,000 Class B Asset Backed Fixed Rate Notes due October 2038
Public Transaction - Series 2012-2 € 57,500,000 Class C Asset Backed Variable Return Notes due October 2038
Contacts
Securitisation Services S.p.A.
Via V.Alfieri, 1 - 31015 Conegliano (TV)
Marta Righetti / Diana Busana
E-mail: [email protected]
Tel.: +39 0438 360 973 / 477
Recipients
Moody's Investors Service
DBRS Ratings Limited
Originator/Servicer/Corporate Servicer
Back-up Servicer
Back-up Servicer Facilitator
Representative of the Noteholders
Cash Manager
Calculation Agent
Paying Agent/Accounts Bank
Reporting Dates
Investors Report Date
27/10/2014
Payment Date
23/10/2014
from:
to:
Collection Period
01/09/2014
30/09/2014
Interest Period
23/09/2014
23/10/2014
This report is freely available in our web site: www.securitisation-services.com
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IBL CQS S.r.l. - public transaction
Table of contents
1. Assets and Notes Description
2. Transaction Description
2.1 Class A Notes Interest Payments and Principal Distribution
2.2 Class A Notes Coupon Calculation
3.1 Class B Notes Interest Payments and Principal Distribution
3.2 Class B Notes Coupon Calculation
4. Class C Notes Interest Payments and Principal Distribution
5. Collections
6. Issuer Available Funds
7. Pre-Enforcement Priority of Payments
8. Post-Enforcement Priority of Payments
9. Cash Reserve and Trigger
10. Asset Coverage Test
11. Portfolio Description
12. Stratification Tables
-3-4-5-6-7-8-9- 10 - 11 - 12 - 13 - 14 - 15 - 16 - 17/18 -
This Investors Report is prepared by Securitisation Services in accordance with the criteria described in the Transaction Documents. Certain information included in this report is
provided by the Parties. Please be advised that Securitisation Services will have no liability for the completeness or accuracy of such information.
Page 2
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-2-
IBL CQS S.r.l. - public transaction
-3-
1. Assets and Notes Description
1.1 Assets & Notes
Initial Portfolio:
Underlying assets:
The Notes:
Class A
Class B
Class C
354.788.838,69
Transfer Date
12/05/2012
personal Loans to be reimbursed through a Salary Assignment or, alternatively, assisted by a Payment Delegation issued in favour of IBL Banca S.p.A.
ISIN Code
Nominal Amount
Currency
Listing
Legal Maturity
Type of
Redemption
Fixed rate
IT0004839145
IT0004838899
IT0004839160
698.800.000,00
65.800.000,00
57.500.000,00
EUR
EUR
EUR
Luxembourg
Luxembourg
Luxembourg
October 2038
October 2038
October 2038
Amortising
Amortising
2,50%
3,00%
1.2 Ratings
Rating Agencies:
Ratings:
Class A
Class B
Class C
Moody's Investors Service
DBRS Ratings Limited
Original Ratings
Moody's
DBRS
A2
A (high)
Baa3
BBB (low)
Current Ratings
Moody's
DBRS
A3
A (high)
Baa3
BBB (low)
Page 3
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IBL CQS S.r.l. - public transaction
-4-
2. Transaction Description
2.1 Relevant dates & main features
Payment Date definition
(a) prior to the delivery of a Trigger Notice, the 23 day of each calendar month in each year or, if such day is not a Business Day, the immediately
following Business Day; and (b) following the delivery of a Trigger Notice, any day on which any payment is required to be made by the Representative of
the Noteholders in accordance with the Post Trigger Event Priority of Payment, the Conditions and the Intercreditor Agreement, provided that the First
Payment Date will fall on 23 October 2012 and the second Payment Date will fall on 27 December 2012
Interest Period definition
First Payment Date
Ramp-up period
Hedging Agreement:
each period from (and including) a Payment Date to (but excluding) the next following Payment Date
23/10/2012
NO*
NO
* Ramp-Up Period means the period starting from the Issue Date and up to the Payment Date falling in July 2013 (included)
2.2 Counterparties
Issuer: IBL CQS S.r.l.
Originator: IBL Banca S.p.A.
Servicer: IBL Banca S.p.A.
Back-Up Servicer: Securitisation Services S.p.A.
Back-up Sub-Servicer: Figenpa S.p.A.
Back-up Servicer Facilitator: Intesa Sanpaolo S.p.A.
Calculation Agent: Securitisation Services S.p.A.
Cash Manager: Finanziaria Internazionale Alternative Investments SGR
Italian Account Bank: The Bank of New York Mellon (Luxembourg) S.A., Italian Branch
English Account Bank: The Bank of New York Mellon, London Branch
Paying Agent: The Bank of New York Mellon (Luxembourg) S.A., Italian Branch
Corporate Servicer: IBL Banca S.p.A.
Page 4
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IBL CQS S.r.l. - public transaction
-5-
2.1 Class A Notes Interest Payments and Principal Distribution
ISIN
IT0004839145
Nominal Amount Eur 698.800.000
Before payments
Payments
Interest Period
Payment
Date
16/07/2012 23/10/2012
23/10/2012
311.811.402,39
74.069.157,45
2.143.703,39
23/10/2012 27/12/2012
27/12/2012
385.880.559,84
-
1.741.821,97
27/12/2012 23/01/2013
23/01/2013
376.843.966,98
87.997.818,24
706.582,44
23/01/2013 25/02/2013
25/02/2013
464.841.785,22
-
1.065.262,42
25/02/2013 25/03/2013
25/03/2013
456.891.695,89
-
888.400,52
25/03/2013 23/04/2013
23/04/2013
451.605.875,25
91.143.246,37
909.484,05
23/04/2013 23/05/2013
23/05/2013
542.749.121,62
-
1.130.727,34
23/05/2013 24/06/2013
24/06/2013
535.089.049,44
-
1.189.086,78
24/06/2013 23/07/2013
23/07/2013
528.577.453,39
73.408.020,61
1.064.496,26
23/07/2013 23/08/2013
23/08/2013
601.985.474,00
-
1.295.940,95
23/08/2013 23/09/2013
23/09/2013
591.600.345,83
-
23/09/2013 23/10/2013
23/10/2013
584.953.851,91
23/10/2013 25/11/2013
25/11/2013
25/11/2013 23/12/2013
Principal Amount
Outstanding
A
Paid-up amount
Interest
After payments
Principal Amount
Outstanding
A+B
Principal
B
Unpaid
Interest
385.880.559,84
0,5522
-
376.843.966,98
0,5393
-
464.841.785,22
0,6652
-
7.950.089,33
456.891.695,89
0,6538
-
5.285.820,64
451.605.875,25
0,6463
-
542.749.121,62
0,7767
-
7.660.072,18
535.089.049,44
0,7657
-
6.511.596,05
528.577.453,39
0,7564
-
601.985.474,00
0,8615
-
10.385.128,17
591.600.345,83
0,8466
-
1.273.584,08
6.646.493,92
584.953.851,91
0,8371
-
-
1.218.653,86
7.638.274,88
577.315.577,03
0,8262
-
577.315.577,03
-
1.323.014,86
7.964.032,12
569.351.544,91
0,8148
-
23/12/2013
569.351.544,91
-
1.107.072,45
7.850.798,68
561.500.746,23
0,8035
-
23/12/2013 23/01/2014
23/01/2014
561.500.746,23
-
1.208.786,33
8.571.198,93
552.929.547,30
0,7913
-
23/01/2014 24/02/2014
24/02/2014
552.929.547,30
-
1.228.732,33
7.973.334,41
544.956.212,89
0,7798
-
24/02/2014 24/03/2014
24/03/2014
544.956.212,89
-
1.059.637,08
8.311.720,69
536.644.492,20
0,7680
-
24/03/2014 23/04/2014
23/04/2014
536.644.492,20
-
1.118.009,36
8.739.011,87
527.905.486,83
0,7554
-
23/04/2014 23/05/2014
23/05/2014
527.905.486,83
-
1.099.803,10
8.818.379,01
519.087.107,82
0,7428
-
23/05/2014 23/06/2014
23/06/2014
519.087.107,82
-
1.117.479,20
8.706.238,66
510.380.869,16
0,7304
-
23/06/2014 23/07/2014
23/07/2014
510.380.869,16
-
1.063.293,49
9.220.640,29
501.160.228,87
0,7172
-
23/07/2014 25/08/2014
25/08/2014
501.160.228,87
-
1.148.492,21
9.861.611,39
491.298.617,48
0,7031
-
25/08/2014 23/09/2014
23/09/2014
491.298.617,48
-
989.420,86
8.339.315,41
482.959.302,07
0,6911
-
23/09/2014 23/10/2014
23/10/2014
482.959.302,07
-
1.006.165,24
9.263.852,35
473.695.449,72
0,6779
-
Page 5
-
Pool
Factor
9.036.592,86
-
-
-
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IBL CQS S.r.l. - public transaction
-6-
2.2 Class A Notes Coupon Calculation
Interest Period
Payment
Date
Beginning Balance
Principal Amount
Outstanding
Interest
Rate
Accrual
Period
Accrued Interest
(Coupon Amount)
Interest paid
Interest
Unpaid in this
period
Cumulative
Interest
Unpaid
16/07/2012
23/10/2012
23/10/2012
311.811.402,39
2,50%
99
2.143.703,39
2.143.703,39
-
-
23/10/2012
27/12/2012
27/12/2012
385.880.559,84
2,50%
65
1.741.821,97
1.741.821,97
-
-
27/12/2012
23/01/2013
23/01/2013
376.843.966,98
2,50%
27
706.582,44
706.582,44
-
-
23/01/2013
25/02/2013
25/02/2013
464.841.785,22
2,50%
33
1.065.262,42
1.065.262,42
-
-
25/02/2013
25/03/2013
25/03/2013
456.891.695,89
2,50%
28
888.400,52
888.400,52
-
-
25/03/2013
23/04/2013
23/04/2013
451.605.875,25
2,50%
29
909.484,05
909.484,05
-
-
23/04/2013
23/05/2013
23/05/2013
542.749.121,62
2,50%
30
1.130.727,34
1.130.727,34
-
-
23/05/2013
24/06/2013
24/06/2013
535.089.049,44
2,50%
32
1.189.086,78
1.189.086,78
-
-
24/06/2013
23/07/2013
23/07/2013
528.577.453,39
2,50%
29
1.064.496,26
1.064.496,26
-
-
23/07/2013
23/08/2013
23/08/2013
601.985.474,00
2,50%
31
1.295.940,95
1.295.940,95
-
-
23/08/2013
23/09/2013
23/09/2013
591.600.345,83
2,50%
31
1.273.584,08
1.273.584,08
-
-
23/09/2013
23/10/2013
23/10/2013
584.953.851,91
2,50%
30
1.218.653,86
1.218.653,86
-
-
23/10/2013
25/11/2013
25/11/2013
577.315.577,03
2,50%
33
1.323.014,86
1.323.014,86
-
-
25/11/2013
23/12/2013
23/12/2013
569.351.544,91
2,50%
28
1.107.072,45
1.107.072,45
-
-
23/12/2013
23/01/2014
23/01/2014
561.500.746,23
2,50%
31
1.208.786,33
1.208.786,33
-
-
23/01/2014
24/02/2014
24/02/2014
552.929.547,30
2,50%
32
1.228.732,33
1.228.732,33
-
-
24/02/2014
24/03/2014
24/03/2014
544.956.212,89
2,50%
28
1.059.637,08
1.059.637,08
-
-
24/03/2014
23/04/2014
23/04/2014
536.644.492,20
2,50%
30
1.118.009,36
1.118.009,36
-
-
23/04/2014
23/05/2014
23/05/2014
527.905.486,83
2,50%
30
1.099.803,10
1.099.803,10
-
-
23/05/2014
23/06/2014
23/06/2014
519.087.107,82
2,50%
31
1.117.479,20
1.117.479,20
-
-
23/06/2014
23/07/2014
23/07/2014
510.380.869,16
2,50%
30
1.063.293,49
1.063.293,49
-
-
23/07/2014
25/08/2014
25/08/2014
501.160.228,87
2,50%
33
1.148.492,21
1.148.492,21
-
-
25/08/2014
23/09/2014
23/09/2014
491.298.617,48
2,50%
29
989.420,86
989.420,86
-
-
23/09/2014
23/10/2014
23/10/2014
482.959.302,07
2,50%
30
1.006.165,24
1.006.165,24
-
-
Page 6
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IBL CQS S.r.l. - public transaction
-7-
3.1 Class B Notes Interest Payments and Principal Distribution
ISIN
IT0004838899
Nominal Amount Eur 65.800.000
Before payments
Payments
After payments
Interest Period
Payment
Date
16/07/2012 23/10/2012
23/10/2012
29.346.955,52
6.977.069,37
242.112,38
-
36.324.024,89
0,5520
-
23/10/2012 27/12/2012
27/12/2012
36.324.024,89
-
196.755,13
-
36.324.024,89
0,5520
-
27/12/2012 23/01/2013
23/01/2013
36.324.024,89
8.289.103,10
81.729,06
-
44.613.127,99
0,6780
-
23/01/2013 25/02/2013
25/02/2013
44.613.127,99
-
122.686,10
-
44.613.127,99
0,6780
-
25/02/2013 25/03/2013
25/03/2013
44.613.127,99
-
104.097,30
-
44.613.127,99
0,6780
-
25/03/2013 23/04/2013
23/04/2013
44.613.127,99
8.585.392,01
107.815,06
-
53.198.520,00
0,8085
-
23/04/2013 23/05/2013
23/05/2013
53.198.520,00
-
132.996,30
-
53.198.520,00
0,8085
-
23/05/2013 24/06/2013
24/06/2013
53.198.520,00
-
141.862,72
-
53.198.520,00
0,8085
-
24/06/2013 23/07/2013
23/07/2013
53.198.520,00
6.914.792,47
128.563,09
-
60.113.312,47
0,9136
-
23/07/2013 23/08/2013
23/08/2013
60.113.312,47
-
155.292,72
-
60.113.312,47
0,9136
-
23/08/2013 23/09/2013
23/09/2013
60.113.312,47
-
155.292,72
-
60.113.312,47
0,9136
-
23/09/2013 23/10/2013
23/10/2013
60.113.312,47
-
150.283,28
-
60.113.312,47
0,9136
-
23/10/2013 25/11/2013
25/11/2013
60.113.312,47
-
165.311,61
-
60.113.312,47
0,9136
-
25/11/2013 23/12/2013
23/12/2013
60.113.312,47
-
140.264,40
-
60.113.312,47
0,9136
-
23/12/2013 23/01/2014
23/01/2014
60.113.312,47
-
155.292,72
-
60.113.312,47
0,9136
-
23/01/2014 24/02/2014
24/02/2014
60.113.312,47
-
160.302,17
-
60.113.312,47
0,9136
-
24/02/2014 24/03/2014
24/03/2014
60.113.312,47
-
140.264,40
-
60.113.312,47
0,9136
-
24/03/2014 23/04/2014
23/04/2014
60.113.312,47
-
150.283,28
-
60.113.312,47
0,9136
-
23/04/2014 23/05/2014
23/05/2014
60.113.312,47
-
150.283,28
-
60.113.312,47
0,9136
-
23/05/2014 23/06/2014
23/06/2014
60.113.312,47
-
155.292,72
-
60.113.312,47
0,9136
-
23/06/2014 23/07/2014
23/07/2014
60.113.312,47
-
150.283,28
-
60.113.312,47
0,9136
-
23/07/2014 25/08/2014
25/08/2014
60.113.312,47
-
165.311,61
-
60.113.312,47
0,9136
-
25/08/2014 23/09/2014
23/09/2014
60.113.312,47
-
145.273,84
-
60.113.312,47
0,9136
-
23/09/2014 23/10/2014
23/10/2014
60.113.312,47
-
150.283,28
-
60.113.312,47
0,9136
-
Principal Amount
Outstanding
A
Paid-up amount
Interest
Principal Amount
Outstanding
A+B
Principal
B
Page 7
Pool
Factor
Unpaid
Interest
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
IBL CQS S.r.l. - public transaction
3.2 Class B Notes Coupon Calculation
Interest Period
Payment
Date
Beginning Balance
Principal Amount
Outstanding
Interest Rate
Accrual Period
Accrued Interest
(Coupon Amount)
Interest paid
Interest Unpaid in
Cumulative
this period
Interest Unpaid
16/07/2012
23/10/2012
23/10/2012
29.346.955,52
3,00%
99
242.112,38
242.112,38
-
-
23/10/2012
27/12/2012
27/12/2012
36.324.024,89
3,00%
65
196.755,13
196.755,13
-
-
27/12/2012
23/01/2013
23/01/2013
36.324.024,89
3,00%
27
81.729,06
81.729,06
-
-
23/01/2013
25/02/2013
25/02/2013
44.613.127,99
3,00%
33
122.686,10
122.686,10
-
-
25/02/2013
25/03/2013
25/03/2013
44.613.127,99
3,00%
28
104.097,30
104.097,30
-
-
25/03/2013
23/04/2013
23/04/2013
44.613.127,99
3,00%
29
107.815,06
107.815,06
-
-
23/04/2013
23/05/2013
23/05/2013
53.198.520,00
3,00%
30
132.996,30
132.996,30
-
-
23/05/2013
24/06/2013
24/06/2013
53.198.520,00
3,00%
32
141.862,72
141.862,72
-
-
24/06/2013
23/07/2013
23/07/2013
53.198.520,00
3,00%
29
128.563,09
128.563,09
-
-
23/07/2013
23/08/2013
23/08/2013
60.113.312,47
3,00%
31
155.292,72
155.292,72
-
-
23/08/2013
23/09/2013
23/09/2013
60.113.312,47
3,00%
31
155.292,72
155.292,72
-
-
23/09/2013
23/10/2013
23/10/2013
60.113.312,47
3,00%
30
150.283,28
150.283,28
-
-
23/10/2013
25/11/2013
25/11/2013
60.113.312,47
3,00%
33
165.311,61
165.311,61
-
-
25/11/2013
23/12/2013
23/12/2013
60.113.312,47
3,00%
28
140.264,40
140.264,40
-
-
23/12/2013
23/01/2014
23/01/2014
60.113.312,47
3,00%
31
155.292,72
155.292,72
-
-
23/01/2014
24/02/2014
24/02/2014
60.113.312,47
3,00%
32
160.302,17
160.302,17
-
-
24/02/2014
24/03/2014
24/03/2014
60.113.312,47
3,00%
28
140.264,40
140.264,40
-
-
24/03/2014
23/04/2014
23/04/2014
60.113.312,47
3,00%
30
150.283,28
150.283,28
-
-
23/04/2014
23/05/2014
23/05/2014
60.113.312,47
3,00%
30
150.283,28
150.283,28
-
-
23/05/2014
23/06/2014
23/06/2014
60.113.312,47
3,00%
31
155.292,72
155.292,72
-
-
23/06/2014
23/07/2014
23/07/2014
60.113.312,47
3,00%
30
150.283,28
150.283,28
-
-
23/07/2014
25/08/2014
25/08/2014
60.113.312,47
3,00%
33
165.311,61
165.311,61
-
-
25/08/2014
23/09/2014
23/09/2014
60.113.312,47
3,00%
29
145.273,84
145.273,84
-
-
23/09/2014
23/10/2014
23/10/2014
60.113.312,47
3,00%
30
150.283,28
150.283,28
-
-
Page 8
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
-8-
IBL CQS S.r.l. - public transaction
-9-
4. Class C Notes Interest Payments and Principal Distribution
ISIN
IT0004839160
Nominal Amount Eur 57.500.000
Before payments
Payment
Date
Payments
After payments
Principal Amount
Outstanding
A
Paid-up amount
16/07/2012 23/10/2012 23/10/2012
25.678.586,08
6.090.580,79
2.479.773,18
-
31.769.166,87
0,5525
-
23/10/2012 27/12/2012 27/12/2012
31.769.166,87
-
974.149,28
-
31.769.166,87
0,5525
-
27/12/2012 23/01/2013 23/01/2013
31.769.166,87
7.235.910,87
854.297,71
-
39.005.077,74
0,6783
-
23/01/2013 25/02/2013 25/02/2013
39.005.077,74
-
936.546,35
-
39.005.077,74
0,6783
-
25/02/2013 25/03/2013 25/03/2013
39.005.077,74
-
868.196,07
-
39.005.077,74
0,6783
-
25/03/2013 23/04/2013 23/04/2013
39.005.077,74
7.494.554,07
908.835,26
-
46.499.631,81
0,8087
-
23/04/2013 23/05/2013 23/05/2013
46.499.631,81
-
892.970,96
-
46.499.631,81
0,8087
-
23/05/2013 24/06/2013 24/06/2013
46.499.631,81
-
853.019,68
-
46.499.631,81
0,8087
-
24/06/2013 23/07/2013 23/07/2013
46.499.631,81
6.036.216,63
134.345,06
-
52.535.848,44
0,9137
-
23/07/2013 23/08/2013 23/08/2013
52.535.848,44
-
1.854.196,12
-
52.535.848,44
0,9137
-
23/08/2013 23/09/2013 23/09/2013
52.535.848,44
-
753.338,67
-
52.535.848,44
0,9137
-
23/09/2013 23/10/2013 23/10/2013
52.535.848,44
-
964.984,11
-
52.535.848,44
0,9137
-
23/10/2013 25/11/2013 25/11/2013
52.535.848,44
-
756.136,67
-
52.535.848,44
0,9137
-
25/11/2013 23/12/2013 23/12/2013
52.535.848,44
-
812.053,70
-
52.535.848,44
0,9137
-
23/12/2013 23/01/2014 23/01/2014
52.535.848,44
-
1.042.679,07
-
52.535.848,44
0,9137
-
23/01/2014 24/02/2014 24/02/2014
52.535.848,44
-
275.307,00
-
52.535.848,44
0,9137
-
24/02/2014 24/03/2014 24/03/2014
52.535.848,44
-
452.953,91
-
52.535.848,44
0,9137
-
24/03/2014 23/04/2014 23/04/2014
52.535.848,44
-
750.477,84
-
52.535.848,44
0,9137
-
23/04/2014 23/05/2014 23/05/2014
52.535.848,44
-
533.024,76
-
52.535.848,44
0,9137
-
23/05/2014 23/06/2014 23/06/2014
52.535.848,44
-
724.796,45
-
52.535.848,44
0,9137
-
23/06/2014 23/07/2014 23/07/2014
52.535.848,44
-
770.677,51
-
52.535.848,44
0,9137
-
23/07/2014 25/08/2014 25/08/2014
52.535.848,44
-
1.003.817,94
-
52.535.848,44
0,9137
-
25/08/2014 23/09/2014 23/09/2014
52.535.848,44
-
748.427,36
-
52.535.848,44
0,9137
-
23/09/2014 23/10/2014 23/10/2014
52.535.848,44
-
683.148,12
-
52.535.848,44
0,9137
-
Interest Period
Interest
Principal Amount
Outstanding
A+B
Principal
B
Page 9
Pool
Factor
Unpaid
Interest
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
IBL CQS S.r.l. - public transaction
5. Collections
Collection Period
12/05/2012
01/10/2012
01/12/2012
01/01/2013
01/02/2013
01/03/2013
01/04/2013
01/05/2013
01/06/2013
01/07/2013
01/08/2013
01/09/2013
01/10/2013
01/11/2013
01/12/2013
01/01/2014
01/02/2014
01/03/2014
01/04/2014
01/05/2014
01/06/2014
01/07/2014
01/08/2014
01/09/2014
30/09/2012
30/11/2012
31/12/2012
31/01/2013
28/02/2013
31/03/2013
30/04/2013
31/05/2013
30/06/2013
31/07/2013
31/08/2013
30/09/2013
31/10/2013
30/11/2013
31/12/2013
31/01/2014
28/02/2014
31/03/2014
30/04/2014
31/05/2014
30/06/2014
31/07/2014
31/08/2014
30/09/2014
Principal and
Interest
Instalments
19.127.952,61
10.808.419,98
5.519.645,62
6.276.094,65
6.375.737,09
6.801.658,61
7.665.024,49
7.881.996,67
7.516.552,01
8.887.326,19
8.171.496,79
8.582.731,40
8.877.568,80
8.117.302,60
9.363.697,95
8.057.964,03
8.063.849,69
8.673.436,82
8.238.762,33
8.196.080,75
8.502.840,36
8.363.627,06
7.890.467,71
8.020.797,34
Late charges
-
Prepayments
2.041.199,04
1.070.226,08
509.697,70
546.194,80
746.500,14
760.353,52
692.863,34
740.691,91
882.007,51
1.285.192,63
646.517,20
1.240.901,73
1.253.423,16
1.480.060,81
1.270.694,84
1.409.163,37
1.501.774,43
1.618.240,70
1.892.195,11
2.106.788,43
2.066.338,17
3.058.221,89
2.042.118,36
2.620.344,46
Other
15.425,86
9.978,37
3.380,27
4.147,86
5.866,87
6.418,54
4.584,46
5.448,35
6.984,60
9.916,31
5.388,07
10.133,55
9.352,84
12.278,78
10.435,94
11.485,03
13.902,90
13.598,95
15.732,80
18.969,58
19.251,98
28.410,22
18.493,50
22.232,76
Page 10
Recoveries
187.267,45
27.408,07
168.253,99
505,00
22.937,19
24.898,25
381,00
83.369,25
145.062,56
2.987,00
22.665,28
145.927,34
69.758,26
306.385,89
330.326,20
160.880,30
395.705,36
458.990,15
454.377,80
397.398,06
642.219,42
768.802,12
294.042,72
464.908,06
Payments under
the Transfer and
the Servicing
Agreements
-
Payments under
the Warranty a
Agreement
-
Total Collected in
the period
21.371.844,96
11.916.032,50
6.200.977,58
6.826.942,31
7.151.041,29
7.593.328,92
8.362.853,29
8.711.506,18
8.550.606,68
10.185.422,13
8.846.067,34
9.979.694,02
10.210.103,06
9.916.028,08
10.975.154,93
9.639.492,73
9.975.232,38
10.764.266,62
10.601.068,04
10.719.236,82
11.230.649,93
12.219.061,29
10.245.122,29
11.128.282,62
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- 10 -
IBL CQS S.r.l. - public transaction
6. Issuer Available Funds
Payment
Date
23/10/2012
27/12/2012
23/01/2013
25/02/2013
25/03/2013
23/04/2013
23/05/2013
24/06/2013
23/07/2013
23/08/2013
23/09/2013
23/10/2013
25/11/2013
23/12/2013
23/01/2014
24/02/2014
24/03/2014
23/04/2014
23/05/2014
23/06/2014
23/07/2014
25/08/2014
23/09/2014
23/10/2014
Collections and
Recoveries (i)
(i)
21.371.844,96
11.916.032,50
6.172.107,13
6.797.220,19
7.117.553,88
7.546.621,42
8.332.624,42
8.674.724,50
8.498.145,01
10.115.127,42
8.807.515,85
9.891.883,51
10.138.640,27
9.818.468,91
10.875.182,04
9.560.212,31
9.869.618,42
10.660.495,33
10.475.875,24
10.605.930,44
11.097.272,69
12.023.594,67
10.143.172,40
10.967.230,67
Amounts
received from
the Originator
(ii)
-
Amounts
standing to
credit to the
Payments
Account
(iii)
-
Interest
accrued from
the Eligible
Investments
Interest
accrued on the
accounts
(iv)
86.172,06
31.443,67
10.665,28
16.646,13
14.724,44
15.685,71
22.092,37
21.344,42
18.893,75
25.209,80
18.049,17
21.805,98
23.112,95
17.688,61
28.291,72
22.049,50
19.529,56
18.622,75
24.729,29
21.693,31
17.665,22
10.880,00
5.698,11
1.766,67
Page 11
(v)
231,74
0,06
1,23
907,99
0,30
0,05
-
Proceeds
deriving from
the sale of
Receivables
(vi) and (vii)
6.475.531,73
3.262.722,84
1.455.493,81
3.504.201,01
-
Other amounts
received from
any party
(viii)
-
Cash Reserve
Amount
Management
Fee
Prepayment
Amount (if any)
(ix)
9.852.226,21
12.192.607,57
12.192.607,57
14.973.096,25
14.973.096,25
14.973.096,25
17.852.971,80
17.852.971,80
17.852.971,80
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
(x)
68.221,20
48.372,79
28.870,45
29.722,12
33.487,41
46.707,50
30.228,87
36.781,68
52.461,67
70.294,71
38.551,49
87.810,51
71.462,79
97.559,17
99.972,89
79.280,42
105.613,96
103.771,29
125.192,80
113.306,38
133.377,24
195.466,62
101.949,89
161.051,95
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- 11 -
IBL CQS S.r.l. - public transaction
- 12 -
7. Pre-Enforcement Priority of Payments
Payment
Date
23/10/2012
27/12/2012
23/01/2013
25/02/2013
25/03/2013
23/04/2013
23/05/2013
24/06/2013
23/07/2013
23/08/2013
23/09/2013
23/10/2013
25/11/2013
23/12/2013
23/01/2014
24/02/2014
24/03/2014
23/04/2014
23/05/2014
23/06/2014
23/07/2014
25/08/2014
23/09/2014
23/10/2014
Expenses,
Interest on the Interest on
Retention Amount Class A Notes the Class B
& Agents Fees
Notes
Σ [(i) - (iv)]
86.934,49
46.529,71
18.371,52
31.727,07
19.251,20
21.177,83
23.672,69
37.285,37
61.909,93
24.274,98
35.407,12
29.303,87
24.720,75
23.527,47
25.489,60
24.098,07
30.185,86
25.107,08
24.308,41
38.031,08
43.420,88
50.708,19
28.382,94
26.600,30
(v)
2.143.703,39
1.741.821,97
706.582,44
1.065.262,42
888.400,52
909.484,05
1.130.727,34
1.189.086,78
1.064.496,26
1.295.940,95
1.273.584,08
1.218.653,86
1.323.014,86
1.107.072,45
1.208.786,33
1.228.732,33
1.059.637,08
1.118.009,36
1.099.803,10
1.117.479,20
1.063.293,49
1.148.492,21
989.420,86
1.006.165,24
(vi)
242.112,38
196.755,13
81.729,06
122.686,10
104.097,30
107.815,06
132.996,30
141.862,72
128.563,09
155.292,72
155.292,72
150.283,28
165.311,61
140.264,40
155.292,72
160.302,17
140.264,40
150.283,28
150.283,28
155.292,72
150.283,28
165.311,61
145.273,84
150.283,28
Cash Reserve
Target Amount
Purchase
Price
Principal on the
Class A Notes
Principal on
the Class B
Notes
(vii)
9.852.226,21
12.192.607,57
12.192.607,57
14.973.096,25
14.973.096,25
14.973.096,25
17.852.971,80
17.852.971,80
17.852.971,80
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
(viii)
23.049.246,51
4.550.662,14
5.661.702,43
7.180.186,09
-
(ix)
(x)
9.036.592,86
7.950.089,33
5.285.820,64
7.660.072,18
6.511.596,05
10.385.128,17
6.646.493,92
7.638.274,88
7.964.032,12
7.850.798,68
8.571.198,93
7.973.334,41
8.311.720,69
8.739.011,87
8.818.379,01
8.706.238,66
9.220.640,29
9.861.611,39
8.339.315,41
9.263.852,35
Page 12
Adjustment Any other amount to the Interest on the
Purchase Originator due under the Class C Notes
Price
Transaction Documents
(xi)
-
(xii)
-
-
(xiii)
2.479.773,18
974.149,28
854.297,71
936.546,35
868.196,07
908.835,26
892.970,96
853.019,68
134.345,06
1.854.196,12
753.338,67
964.984,11
756.136,67
812.053,70
1.042.679,07
275.307,00
452.953,91
750.477,84
533.024,76
724.796,45
770.677,51
1.003.817,94
748.427,36
683.148,12
Principal on
the Class C
Notes
Any Additional
Remuneration
(xiv)
(xv)
-
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
-
IBL CQS S.r.l. - public transaction - 13 -
8. Post-Enforcement Priority of Payments
Applicable only after a Post-Enforcement Notice
Payment Date
Expenses,
Retention Amount
an Agents Fees
Interest on the
Class A Notes
Principal on the
Class A Notes
Interest on the
Class B Notes
Σ [(i) - (iv)]
(v)
(vi)
(vii)
Principal on the
Adjustment
Class B Notes Purchase Price and
any amount due as
Purchase
(viii)
(ix) Price
Page 13
Any other
amount to the
Originator
(x)
Remuneration
due and payable
on the Class C
Notes
(xi)
Principal on
the Class C
Notes
Any Additional
Remuneration
(xii)
(xiii)
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
IBL CQS S.r.l. - public transaction
- 14 -
9. Cash Reserve and Trigger
Cash Reserve as at Issue Date:
Interest Period
16/07/2012
23/10/2012
27/12/2012
23/01/2013
25/02/2013
25/03/2013
23/04/2013
23/05/2013
24/06/2013
23/07/2013
23/08/2013
23/09/2013
23/10/2013
25/11/2013
23/12/2013
23/01/2014
24/02/2014
24/03/2014
23/04/2014
23/05/2014
23/06/2014
23/07/2014
25/08/2014
23/09/2014
23/10/2012
27/12/2012
23/01/2013
25/02/2013
25/03/2013
23/04/2013
23/05/2013
24/06/2013
23/07/2013
23/08/2013
23/09/2013
23/10/2013
25/11/2013
23/12/2013
23/01/2014
24/02/2014
24/03/2014
23/04/2014
23/05/2014
23/06/2014
23/07/2014
25/08/2014
23/09/2014
23/10/2014
9.852.226,21
Payment Date
Beginning
Balance Cash
Reserve
Cash Reserve
Target Amount
Cash Reserve
on Paid-Up
Amount
23/10/2012
27/12/2012
23/01/2013
25/02/2013
25/03/2013
23/04/2013
23/05/2013
24/06/2013
23/07/2013
23/08/2013
23/09/2013
23/10/2013
25/11/2013
23/12/2013
23/01/2014
24/02/2014
24/03/2014
23/04/2014
23/05/2014
23/06/2014
23/07/2014
25/08/2014
23/09/2014
23/10/2014
9.852.226,21
12.192.607,57
12.192.607,57
14.973.096,25
14.973.096,25
14.973.096,25
17.852.971,80
17.852.971,80
17.852.971,80
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
9.852.226,21
12.192.607,57
12.192.607,57
14.973.096,25
14.973.096,25
14.973.096,25
17.852.971,80
17.852.971,80
17.852.971,80
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
2.340.381,36
2.780.488,68
2.879.875,55
2.319.491,26
-
Amortisation
0,00
Ending Balance
Cash Reserve
12.192.607,57
12.192.607,57
14.973.096,25
14.973.096,25
14.973.096,25
17.852.971,80
17.852.971,80
17.852.971,80
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
Page 14
Shortfall in the
Target Cash
Reserve (if any)
-
Cumulative
Default Ratio
0,06%
0,07%
0,06%
0,12%
0,12%
0,16%
0,21%
0,25%
0,35%
0,39%
0,42%
0,46%
0,52%
0,60%
0,69%
0,80%
0,93%
1,05%
1,18%
1,27%
1,40%
1,50%
1,57%
1,68%
Cumulative Net
Default Ratio
(A)
0,00%
0,07%
0,06%
0,01%
0,02%
0,03%
0,03%
0,05%
0,16%
0,04%
0,06%
0,09%
0,14%
0,18%
0,22%
0,31%
0,39%
0,45%
0,52%
0,56%
0,60%
0,60%
0,63%
0,68%
The Cash Trapping
Condition is satisfied
if (A) < 5,00%
Class B Notes
Trigger
if (A) ≥ 10,00%
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
passed
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
IBL CQS S.r.l. - public transaction
- 15 -
10. Asset Coverage Test
Portfolio Outstanding Principal Due
Payment
Date
23/10/2012
27/12/2012
23/01/2013
25/02/2013
25/03/2013
23/04/2013
23/05/2013
24/06/2013
23/07/2013
23/08/2013
23/09/2013
23/10/2013
25/11/2013
23/12/2013
23/01/2014
24/02/2014
24/03/2014
23/04/2014
23/05/2014
23/06/2014
23/07/2014
25/08/2014
23/09/2014
23/10/2014
Initial Portfolio
(A)
333.957.439,90
326.735.424,04
323.201.045,38
317.142.261,76
313.620.125,76
310.009.726,53
305.954.985,22
302.305.752,56
298.450.447,28
293.349.819,89
290.035.250,66
286.361.584,83
282.483.734,81
278.364.688,02
274.140.513,55
270.163.062,94
265.587.514,62
261.036.238,11
256.407.581,81
251.937.301,54
247.106.403,47
241.776.788,75
237.439.025,99
232.546.558,86
Further Portfolio*
(B)
107.843.805,09
106.009.127,13
210.285.849,31
208.394.543,60
206.630.858,96
314.584.575,09
310.979.244,22
308.116.880,84
396.011.724,56
390.727.223,78
387.395.299,09
383.430.690,04
379.344.507,94
375.612.756,05
371.265.731,59
367.269.847,79
363.533.675,42
359.345.940,06
355.156.223,85
350.920.270,64
346.530.529,69
341.998.535,26
337.996.988,64
333.625.603,62
Total Portfolio
(C)=(A)+(B)
441.801.244,99
432.744.551,17
533.486.894,71
525.536.805,37
520.250.984,73
624.594.301,62
616.934.229,44
610.422.633,40
694.462.171,85
684.077.043,68
677.430.549,76
669.792.274,87
661.828.242,75
653.977.444,07
645.406.245,14
637.432.910,73
629.121.190,04
620.382.178,17
611.563.805,66
602.857.572,18
593.636.933,16
583.775.324,01
575.436.014,63
566.172.162,48
Cash Reserve
(D)
12.192.607,57
12.192.607,57
14.973.096,25
14.973.096,25
14.973.096,25
17.852.971,80
17.852.971,80
17.852.971,80
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
20.172.463,06
Rated Notes
(E)
422.204.584,73
413.167.991,87
509.454.913,21
501.504.823,88
496.219.003,24
595.947.641,62
588.287.569,44
581.775.973,39
662.098.786,47
651.713.658,30
645.067.164,38
637.428.889,50
629.464.857,38
621.614.058,70
613.042.859,77
605.069.525,36
596.757.804,67
588.018.799,30
579.200.420,29
570.494.181,63
561.273.541,34
551.411.929,95
543.072.614,54
586.344.625,54
Asset Coverage Test
satisfied
satisfied
satisfied
satisfied
satisfied
satisfied
satisfied
satisfied
satisfied
satisfied
satisfied
satisfied
satisfied
satisfied
satisfied
satisfied
satisfied
satisfied
satisfied
satisfied
satisfied
satisfied
satisfied
satisfied
* Including the Further Portfolio purchased on the relevant Payment Date
Page 15
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
IBL CQS S.r.l. - public transaction
- 16 -
11. Portfolio Description
Outstanding Principal Not Yet Due
Collection Period
Performing Receivables
12/05/2012
01/10/2012
01/12/2012
01/01/2013
01/02/2013
01/03/2013
01/04/2013
01/05/2013
01/06/2013
01/07/2013
01/08/2013
01/09/2013
01/10/2013
01/11/2013
01/12/2013
01/01/2014
01/02/2014
01/03/2014
01/04/2014
01/05/2014
01/06/2014
01/07/2014
01/08/2014
01/09/2014
30/09/2012
30/11/2012
31/12/2012
31/01/2013
28/02/2013
31/03/2013
30/04/2013
31/05/2013
30/06/2013
31/07/2013
31/08/2013
30/09/2013
31/10/2013
30/11/2013
31/12/2013
31/01/2014
28/02/2014
31/03/2014
30/04/2014
31/05/2014
30/06/2014
31/07/2014
31/08/2014
30/09/2014
333.823.901,82
432.523.559,93
427.122.575,76
525.278.858,66
519.877.448,34
529.183.737,64
616.549.917,40
609.537.585,46
601.755.160,69
683.807.962,79
676.304.146,29
668.406.960,93
660.076.005,32
651.586.293,21
642.902.833,76
634.809.479,47
626.473.533,65
617.562.952,15
609.014.583,64
599.762.087,57
590.537.653,96
580.822.953,53
572.157.029,31
562.875.076,87
Delinquent
Receivables
13.872,29
755.983,67
40.462,05
437.688,23
538.566,45
1.077.711,46
593.958,36
990.498,67
1.363.158,04
1.796.351,84
2.029.451,11
2.143.267,93
2.149.100,87
2.377.590,00
2.146.941,63
2.472.738,29
2.618.352,68
2.564.216,37
2.775.415,38
2.894.377,06
Principal Instalments Due and Unpaid
Performing
Receivables
133.538,08
206.432,12
287.154,73
257.946,70
331.765,55
319.666,36
384.312,04
323.945,15
359.970,35
269.080,88
509.881,88
353.866,47
326.962,70
506.599,92
379.340,89
375.966,98
391.803,85
323.242,25
289.937,43
492.091,26
343.586,26
247.372,86
350.827,42
239.484,30
Delinquent
Receivables
686,83
28.174,87
1.308,78
17.069,63
22.536,33
49.604,80
22.563,22
40.948,80
62.116,69
88.199,10
94.619,38
104.196,35
106.751,67
118.393,77
112.342,96
130.655,06
137.340,26
140.781,25
152.742,52
163.224,25
Accrued Interest
Performing
Receivables
-
Page 16
Delinquent
Receivables
-
Unpaid Interest Instalments
Collateral Portfolio
333.957.439,90
432.744.551,17
428.193.889,03
525.536.805,36
520.250.984,72
529.958.161,86
616.934.229,44
610.422.633,39
603.242.447,30
684.077.043,67
677.430.549,75
669.792.274,87
661.828.242,75
653.977.444,07
645.406.245,14
637.432.910,73
629.121.190,04
620.382.178,17
611.563.805,66
602.857.572,18
593.636.933,16
583.775.324,01
575.436.014,63
566.172.162,48
Performing
Receivables
44.463,73
64.345,29
87.425,47
79.119,31
106.697,18
94.739,12
116.255,13
87.317,14
100.908,60
106.111,03
188.686,81
136.392,08
124.056,54
200.612,88
139.649,54
135.418,07
141.535,31
113.985,36
96.712,06
180.122,33
114.769,39
77.088,45
114.635,18
71.263,13
Delinquent
Receivables
321,17
12.081,20
619,22
6.841,19
8.272,67
15.730,87
9.037,19
17.064,33
26.368,83
35.912,09
38.687,13
42.022,27
42.639,89
46.189,24
43.042,25
49.013,00
49.793,45
50.018,94
54.882,42
58.427,49
Default Receivables
335.224,33
318.096,22
70.666,99
116.656,50
220.692,84
168.495,28
334.496,48
1.212.971,41
303.569,82
477.168,97
671.782,13
1.040.850,99
1.355.036,62
1.684.987,04
2.352.055,11
3.008.334,28
3.456.212,11
4.014.656,65
4.309.558,42
4.685.278,76
4.654.258,16
4.924.590,63
5.260.872,24
Total Portfolio
334.001.903,63
433.144.441,96
428.611.491,92
525.686.591,66
520.474.957,62
530.280.435,01
617.218.979,85
610.852.719,68
604.572.058,18
684.486.724,52
678.105.442,72
670.617.513,41
663.019.519,11
655.569.005,66
647.269.568,85
639.962.406,18
632.313.699,52
623.998.564,88
615.718.216,62
607.396.265,93
598.486.774,76
588.556.689,56
580.530.122,86
571.562.725,34
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
IBL CQS S.r.l. - public transaction
- 17 -
12.1 Stratification Tables
BREAKDOWN BY OUTSTANDING PRINCIPAL
Further Portfolio
Range (Euro)
01) < 15000
02) 15000 - 25000
03) 25000 - 35000
04) 35000 - 45000
05) > 45000
Number of
Mortgages
Loans
1214
1872
853
76
26
Outstanding
Principal
12.693.281,08
37.521.627,70
24.276.438,20
2.920.423,10
1.316.538,23
Average Size
10.455,75
20.043,60
28.460,07
38.426,62
50.636,09
Range (Euro)
01) < 15000
02) 15000 - 25000
03) 25000 - 35000
04) 35000 - 45000
05) > 45000
Total Portfolio
Number of
Outstanding
Mortgages
Principal
Loans
12876
127.790.789,19
15253
300.431.368,78
4249
119.773.489,05
388
14.967.003,85
157
8.306.328,41
Average Size
9.924,73
19.696,54
28.188,63
38.574,75
52.906,55
BREAKDOWN BY RESIDUAL LIFE
Further Portfolio
Range (Euro)
01) < 2 YEARS
02) 2 - 4 YEARS
03) 4 - 6 YEARS
04) 6 - 8 YEARS
05) 8 - 10 YEARS
Number of
Mortgages
Loans
88
332
338
3283
0
Outstanding
Principal
579.605,18
3.259.930,04
5.200.614,75
69.688.158,34
0,00
Average Size
6.586,42
9.819,07
15.386,43
21.226,97
-
Range (Euro)
01) < 2 YEARS
02) 2 - 4 YEARS
03) 4 - 6 YEARS
04) 6 - 8 YEARS
05) 8 - 10 YEARS
Total Portfolio
Number of
Outstanding
Mortgages
Principal
Loans
1752
8.873.179,66
2760
27.421.059,00
7777
127.309.855,81
20634
407.664.884,81
0
0,00
Average Size
5.064,60
9.935,17
16.370,05
19.756,95
-
BREAKDOWN BY REGION OF THE ADMINISTRATION
Further Portfolio
Region
NORTHERN ITALY
EMILIA ROMAGNA
FRIULI VENEZIA GIULIA
LIGURIA
LOMBARDIA
PIEMONTE
TRENTINO ALTO ADIGE
VALLE D'AOSTA
VENETO
CENTRAL ITALY
ABRUZZO
LAZIO
MARCHE
MOLISE
TOSCANA
UMBRIA
SOUTHERN ITALY
BASILICATA
CALABRIA
CAMPANIA
PUGLIA
SARDEGNA
SICILIA
Number of
Mortgages
Loans
1320
184
76
136
498
265
14
4
143
1413
244
717
36
19
377
20
1308
56
192
237
295
139
389
Outstanding
Principal
24.294.489,08
3.249.900,62
1.443.819,39
2.674.211,22
9.197.569,21
4.928.977,04
199.851,80
82.864,96
2.517.294,84
28.579.296,26
5.480.844,23
14.866.039,15
753.826,80
379.943,18
6.698.530,28
400.112,62
25.854.522,97
1.072.213,73
3.653.773,97
5.192.559,60
6.056.815,45
2.735.867,71
7.143.292,51
Average Size
18.404,92
17.662,50
18.997,62
19.663,32
18.469,01
18.599,91
14.275,13
20.716,24
17.603,46
20.225,97
22.462,48
20.733,67
20.939,63
19.997,01
17.767,98
20.005,63
19.766,45
19.146,67
19.030,07
21.909,53
20.531,58
19.682,50
18.363,22
Region
NORTHERN ITALY
EMILIA ROMAGNA
FRIULI VENEZIA GIULIA
LIGURIA
LOMBARDIA
PIEMONTE
TRENTINO ALTO ADIGE
VALLE D'AOSTA
VENETO
CENTRAL ITALY
ABRUZZO
LAZIO
MARCHE
MOLISE
TOSCANA
UMBRIA
SOUTHERN ITALY
BASILICATA
CALABRIA
CAMPANIA
PUGLIA
SARDEGNA
SICILIA
Total Portfolio
Number of
Outstanding
Mortgages
Principal
Loans
9998
165.779.703,40
1390
22.135.674,93
465
8.592.617,24
1099
19.588.204,37
3797
61.680.100,28
2103
35.331.139,39
120
1.820.437,46
42
769.043,17
982
15.862.486,56
10709
194.310.460,47
1253
26.204.239,71
6968
125.884.965,14
297
5.146.649,75
175
3.195.734,50
1540
25.695.050,62
476
8.183.820,75
12216
211.178.815,41
275
4.988.263,32
1528
26.968.346,66
4048
65.889.568,17
2172
38.839.163,77
1119
20.503.731,22
3074
53.989.742,27
Average Size
16.581,29
15.924,95
18.478,75
17.823,66
16.244,43
16.800,35
15.170,31
18.310,55
16.153,24
18.144,59
20.913,20
18.066,15
17.328,79
18.261,34
16.685,10
17.192,90
17.287,07
18.139,14
17.649,44
16.277,07
17.881,75
18.323,26
17.563,35
BREAKDOWN BY TYPE OF LOAN
Further Portfolio
Category
CQS
CQP
DP
Number of
Mortgages
Loans
1473
1679
889
Outstanding
Principal
31.210.532,20
30.042.425,51
17.475.350,60
Average Size
21.188,41
17.893,05
19.657,31
Category
CQS
CQP
DP
Total Portfolio
Number of
Outstanding
Mortgages
Principal
Loans
11837
231.232.852,64
15100
235.402.086,14
5986
104.634.040,50
Average Size
19.534,75
15.589,54
17.479,79
BREAKDOWN BY DELINQUENCY LEVEL
Further Portfolio
Delinquent Instalments
Number of
Mortgages
Loans
IN BONIS
1
2
3
>3
DEFAULTED LOANS (>=8)
LIFE/JOB DAMAGE
3882
62
35
7
22
12
21
Outstanding
Principal
75.367.583,35
1.173.477,97
793.056,58
107.406,91
554.992,45
293.071,43
438.719,62
Average Size
19.414,63
18.927,06
22.658,76
15.343,84
25.226,93
24.422,62
20.891,41
Total Portfolio
Number of
Outstanding
Delinquent Instalments
Mortgages
Principal
Loans
IN BONIS
31728
548.763.261,22
1
490
9.037.936,83
2
199
3.748.537,40
3
89
1.564.825,72
>3
162
3.057.601,31
DEFAULTED LOANS (>=8)
94
1.992.563,33
LIFE/JOB DAMAGE
161
3.104.253,47
Page 17
Average Size
17.295,87
18.444,77
18.836,87
17.582,31
18.874,08
21.197,48
19.281,08
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
IBL CQS S.r.l. - public transaction
- 18 -
12.2 Stratification Tables
BREAKDOWN BY INSURANCE COMPANY (Life insurance)
Insurance Company
AXA FRANCE VIE S.A.
AXERIA PREVOYANCE S.A.
CARIGE Assicurazioni S.p.A.
CF AssicurazioniI S.p.A.
FERSERVIZI S.p.A.
HDI Assicurazioni S.p.A.
I.N.P.D.A.P
METLIFE Europe Limited
NET INSURANCE LIFE S.p.A.
Società CATTOLICA di Assic.ni
VITTORIA Assicurazioni S.p.A.
Further Portfolio
Number of
Mortgages
Loans
141
0
0
0
0
993
0
1229
647
0
1031
Outstanding
Principal
3.358.424,10
21.567.140,91
22.385.421,50
11.852.811,65
19.564.510,15
Insurance Company
Average Size
23.818,61
21.719,18
18.214,34
18.319,65
18.976,25
AXA FRANCE VIE S.A.
AXERIA PREVOYANCE S.A.
CARIGE Assicurazioni S.p.A.
CF AssicurazioniI S.p.A.
FERSERVIZI S.p.A.
HDI Assicurazioni S.p.A.
I.N.P.D.A.P
METLIFE Europe Limited
NET INSURANCE LIFE S.p.A.
Società CATTOLICA di Assic.ni
VITTORIA Assicurazioni S.p.A.
Total Portfolio
Number of
Mortgages
Loans
642
998
12
35
0
7057
1
7414
9435
2
7327
Outstanding Principal
12.840.108,02
13.630.367,54
172.386,23
377.247,60
137.279.063,44
97.231,83
124.578.022,30
151.564.492,56
27.866,58
130.702.193,18
Average Size
20.000,17
13.657,68
14.365,52
10.778,50
19.452,89
97.231,83
16.803,08
16.064,07
13.933,29
17.838,43
BREAKDOWN BY INSURANCE COMPANY (Credit insurance)
Insurance Company
AXA FRANCE IARD S.A.
CARIGE Assicurazioni S.p.A.
CF AssicurazioniI S.p.A.
HDI Assicurazioni S.p.A.
NET INSURANCE S.p.A.
Società CATTOLICA di Assic.ni
VITTORIA Assicurazioni S.p.A.
Further Portfolio
Number of
Mortgages
Loans
119
0
0
993
566
0
684
Outstanding
Principal
2.756.776,76
21.567.140,91
10.748.081,68
13.613.883,45
Insurance Company
Average Size
23.166,19
21.719,18
18.989,54
19.903,34
AXA FRANCE IARD S.A.
CARIGE Assicurazioni S.p.A.
CF AssicurazioniI S.p.A.
HDI Assicurazioni S.p.A.
NET INSURANCE S.p.A.
Società CATTOLICA di Assic.ni
VITTORIA Assicurazioni S.p.A.
Total Portfolio
Number of
Mortgages
Loans
253
49
35
6597
5821
2
5065
Outstanding Principal
5.743.274,86
825.327,46
377.247,60
131.248.947,97
103.388.357,58
27.866,58
94.158.639,26
Average Size
22.700,69
16.843,42
10.778,50
19.895,25
17.761,27
13.933,29
18.590,06
BREAKDOWN BY ADMINISTRATION
Administration
ENTE POSTE
FERROVIE STATO
PENSIONATI
PUBBLICHE
STATALI
PRIVATE A PARTECIPAZIONE PUBBLICA
PRIVATE
Further Portfolio
Number of
Mortgages
Loans
38
114
1699
1576
610
0
4
Outstanding
Principal
755.099,63
1.502.319,40
30.479.751,10
33.042.311,55
12.877.345,89
71.480,74
Administration
Average Size
19.871,04
13.178,24
17.939,82
20.965,93
21.110,40
17.870,19
ENTE POSTE
FERROVIE STATO
PENSIONATI
PUBBLICHE
STATALI
PRIVATE A PARTECIPAZIONE PUBBLICA
PRIVATE
Total Portfolio
Number of
Mortgages
Loans
274
716
15507
12116
4273
16
21
Outstanding Principal
4.413.470,12
7.838.283,62
243.738.559,79
231.323.506,65
83.190.248,08
336.086,91
428.824,11
Average Size
16.107,56
10.947,32
15.717,97
19.092,40
19.468,82
21.005,43
20.420,20
THE FIRST TWENTY EMPLOYERS BY OUTSTANDING PRINCIPAL (Total) (excluded INPS and MEF)
Further Portfolio
Employer n.
1 COMANDO GEN. ARMA CARABINIERI
2 MIN. DIF. 12° DIVISIONE PERSOCIV
3 DIREZIONE COMMISSARIATO M.M. (MILITARI)
4 DIR.NE DI COMM.TO M.M. LA SPEZIA
5 A.S.L. FROSINONE
6 DIREZIONE DI COMMISSARIATO M.M.
7 ASL ROMA H
8 QUESTURA DI ROMA
9 UNIVERSITA' LA SAPIENZA DI ROMA
10 POSTE ITALIANE SPA ROMA
FIRST TEN EMPLOYERS
11 AZIENDA SANITARIA BARI (EX BA 4)
12 AZ. OSPEDALIERA S.GIOVANNI-ADDOLORATA
13 DIREZIONE DI COMMISSARIATO M.M. AUGUSTA
14 AZIENDA U.S.L. DI BOLOGNA
15 ARES 118 - AZ. REG. EMERGENZA SANITARIA
16 GUARDIA DI FINANZA RTLA LAZIO E UMBRIA
17 ASL CASERTA
18 MINIST.DELL'INTERNO DIP.PUBB.SICUREZZA
19 REGIONE MILITARE CENTRO / DELLA CAPITALE
20 COMANDO A.M. ROMA
FIRST TWENTY EMPLOYERS
Employer
description
131
65
56
27
20
22
19
19
16
20
395
16
13
15
12
18
13
9
11
10
8
520
Employer Type
3.239.575,49
1.245.503,16
1.185.025,79
666.029,74
520.177,76
504.383,22
475.169,91
380.668,90
361.614,56
351.920,84
8.930.069,37
330.284,75
329.497,43
324.183,63
315.791,28
310.021,04
284.350,96
248.222,19
236.289,57
233.460,08
217.339,32
11.759.509,62
Outstanding
Principal
24.729,58
19.161,59
21.161,17
24.667,77
26.008,89
22.926,51
25.008,94
20.035,21
22.600,91
17.596,04
22.607,77
20.642,80
25.345,96
21.612,24
26.315,94
17.223,39
21.873,15
27.580,24
21.480,87
23.346,01
27.167,42
22.614,44
Total Portfolio
Number of
Mortgages
Loans
1
COMANDO GEN. ARMA CARABINIERI
794
2
MIN. DIF. 12° DIVISIONE PERSOCIV
430
3
DIREZIONE COMMISSARIATO M.M. (MILITARI)
249
4
DIR.NE DI COMM.TO M.M. LA SPEZIA
152
5
DIREZIONE DI COMMISSARIATO M.M.
147
6
UNIVERSITA' LA SAPIENZA DI ROMA
110
7
QUESTURA DI ROMA
103
8
POSTE ITALIANE SPA ROMA
135
9
AZIENDA U.S.L. DI BOLOGNA
81
10 GUARDIA DI FINANZA RTLA LAZIO E UMBRIA
75
FIRST TEN EMPLOYERS
2276
11 AZIENDA SANITARIA LOCALE DI SALERNO
68
12 COMANDO A.M. ROMA
63
13 AZIENDA SANITARIA PROVINCIALE COSENZA
61
14 ASL NAPOLI 1 CENTRO
66
15 MINIST.DELL'INTERNO DIP.PUBB.SICUREZZA
59
16 GUARDIA DI FINANZA R.T.L.A. CAMPANIA
57
17 ASL ROMA H
56
18 AZ. OSP. CITTA' SALUTE E SCIENZA TORINO
64
19 ARNAS AZ.OSPEDALIERA GARIBALDI - S.LUIGI
61
20 ASL CASERTA
58
FIRST TWENTY EMPLOYERS
2889
Region
Page 18
Outstanding Principal
18.183.097,28
7.422.870,90
4.861.305,56
3.234.790,34
3.008.944,87
2.267.787,91
2.188.128,26
2.018.291,36
1.577.186,66
1.567.757,92
46.330.161,06
1.499.577,75
1.435.260,11
1.423.051,14
1.279.074,32
1.236.375,26
1.222.482,54
1.178.541,49
1.172.251,98
1.161.616,29
1.119.348,04
59.057.739,98
Average Size
22.900,63
17.262,49
19.523,32
21.281,52
20.469,01
20.616,25
21.243,96
14.950,31
19.471,44
20.903,44
20.355,96
22.052,61
22.781,91
23.328,71
19.379,91
20.955,51
21.447,06
21.045,38
18.316,44
19.042,89
19.299,10
20.442,28
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