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Cartolarizzazioni

La cartolarizzazione è un'operazione finanziaria con la quale si possono smobilizzare crediti omogenei (mutui ipotecari, mutui chirografari, credito al consumo, leasing finanziario, sofferenze, ecc.) ottenendo liquidità.

I crediti vengono ceduti ad una società SPV (Special Purpose Vehicle o società veicolo) che, forte della proprietà di tali attività e al fine di effettuare il pagamento dei crediti acquistati, emette dei titoli di debito che vengono sottoscritti da investitori istituzionali. Parte del rischio insito nel credito smobilizzato viene "ceduto" all'SPV che lo trasferisce ai sottoscrittori dei titoli (Senior Notes e Junior Notes). Il rischio e quindi l'eventuale rendimento rimane in capo a chi detiene il titolo Junior (normalmente sottoscritto dall'Originator).

Di seguito si riportano le operazioni poste in essere da Santander Consumer Bank S.p.A. in qualità di Originator unitamente ai rispettivi report per gli investitori.

Golden Bar Stand Alone 2014-1
Original Balance 752.046.350,66
PortfolioAuto loans originated by Santander Consumer Bank SpA
First Portfolio Characteristics77% new car, 23% used car
ServicerServicer Consumer Bank Spa
Payment Dates20th of March, June, September, December
Representative of NoteholdersBNP Paribas Securities Services
ArrangerBanco Santander, S.A.
Calculation AgentBNP Paribas Securities Services
Legal Maturity Date20/12/2030
ListingIrish Stock Exchange
Class A Notes: Issue Amount 646.800.000.00
Moody's Issue Rating A2
DBRS Issue Rating AH
ISIN codeIT0005026163
CouponEuribor 3M + 110 bps
Class B Notes: Issue Amount 30.100.000,00
Moody's Issue Rating Baa2
DBRS Issue Rating AL
ISIN codeIT0005026189
Coupon1,30% fixed
Class C Notes: Issue Amount 75.100.000,00
RatingUnrated
ISIN codeIT0005026197
Coupon NA

Investor Report GB 2014-1

Prospetto informativo

Golden Bar Stand Alone 2015-1
Original Balance 700.091.097,38
PortfolioConsumer credit loans originated by Santander Consumer Bank SpA
First Portfolio Characteristics42% new car, 12% used car, 46% personal loans
ServicerSantander Consumer Bank SpA
Payment Dates20th of January, April, July, October until Oct 2018, then the 20th of each month
Representative of NoteholdersDeutsche Trustee Company Limited
ArrangerBanco Santander, S.A.
Calculation AgentDeutsche Bank AG - London Branch
Legal Maturity Date20/10/2031
ListingLuxembourg Stock Exchange
Class A Notes: Nominal Amount 825.000.000,00
Class A Notes: Funded Amount 577.500.000,00
Moody's Issue Rating A1
DBRS Issue Rating A
ISIN codeIT0005137580
Coupon1,50% fixed
Class B Notes: Issue Amount 65.000.000,00
Class B Notes: Funded Amount 45.500.000,00
Moody's Issue Rating Baa2
DBRS Issue Rating BBB
ISIN codeIT0005137598
Coupon1,90% fixed
Class C Notes: Issue Amount 110.000.000,00
Class C Notes: Funded Amount 77.000.000,00
RatingUnrated
ISIN codeIT0005137606
Coupon NA

Investor Report GB 2015-1

Prospetto informativo

Golden Bar Stand Alone 2016-1
Original Balance1.100.088.029,13
PortfolioSalary assignment Loans originated by Santander Consumer Bank SpA
First Portfolio Characteristics64% CQS loans, 19% CQP loans, 17% DP loans
ServicerSantander Consumer Bank SpA
Payment Dates25th of January, April, July, October until Oct 2020, then the 25th of each month
Representative of NoteholdersBank of New York Mellon
ArrangerBanco Santander, S.A.
Calculation AgentBank of New York Mellon
Legal Maturity Date27/12/2040
ListingLuxembourg Stock Exchange
Class A Notes: Nominal Amount1.066.000.000,00
Class A Notes: Funded Amount902.000.000,00
Moody's Issue RatingA2
DBRS Issue RatingA
ISIN codeIT0005210031
Coupon0,80% fixed
Class B Notes: Issue Amount32.500.000,00
Class B Notes: Funded Amount27.500.000,00
Moody's Issue RatingBaa3
DBRS Issue RatingBBB
ISIN codeIT0005210080
Coupon2,50% fixed
Class C Notes: Issue Amount45.500.000,00
Class C Notes: Funded Amount38.500.000,00
Moody's Issue RatingBa3
DBRS Issue RatingBB
ISIN codeIT0005210098
Coupon4,50% fixed
Class D Notes: Issue Amount65.000.000,00
Class D Notes: Funded Amount55.000.000,00
Moody's Issue RatingB2
DBRS Issue RatingB
ISIN codeIT0005210106
Coupon6,50% fixed
Class E Notes: Issue Amount90.870.000,00
Class E Notes: Funded Amount76.890.000,00
RatingUnrated
ISIN codeIT0005210114
Coupon10,0% fixed
Class F Notes: Issue Amount130.000,00
Class F Notes: Funded Amount110.000,00
RatingUnrated
ISIN codeIT0005210122
Coupon3,00% fixed + excess spread

Investor Report GB 2016-1

Prospetto informativo


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