Post on 04-May-2018
Quarterly Report
Investor Report
Appropriate disclosure will be displayed here.
20-Dec-2012
GOLDEN BAR VI
Table of Contents
GOLDEN BAR VI 20-Dec-2012
PageReport
2IPD and Deal Details
3Note Level Data
4Junior Notes Interest
5Interest Available Funds
7Principal Available Funds
8Pre-Enforcement Interest Priority of Payments
10Pre-Enforcement Princpal Priority of Payments
11Swaps
12Deal Details
13Servicer Report
16Contact Information
www.bnyinvestorreporting.com@Copyright 2007, The Bank of New York. All Rights Reserved. contents
GOLDEN BAR VI 20-Dec-2012
IPD and Deal Details
IPD and Deal Details
Collection Period Beginning Date (inclusive) - September 1
Collection Period End Date (exclusive) - December 1
Current Accrual Day Count 91
Calculation Date - 3 Business Days Before Payment Date 17/12/2012
Current EURIBOR 0.244%
Final Maturity Date 20/12/2023
ISSUER - GOLDEN BAR (SECURITISATION) S.R.L.
CORPORATE SERVICER PROVIDER - WILMINGTON TRUST SP
SERVICER - SANTANDER CONSUMER BANK S.P.A.
ACCOUNT BANK - BNY MELLON
SELLER - SANTANDER CONSUMER BANK S.P.A..
REPRESENTATIVE OF THE NOTEHOLDERS - BNY MELLON CORPORATE TRUSTEE SERVICES LIMITED
PRINCIPAL PAYING AGENT - BNY MELLON (LUXEMBOURG) S.A., ITALIAN BRANCH
SUBORDINATED LOAN PROVIDER - SANTANDER CONSUMER BANK S.P.A.
SWAP COUNTERPARTY - BANCO SANTANDER
ORIGINATOR - SANTANDER CONSUMER BANK S.P.A.
COMPUTATION AGENT - BNY MELLON, LONDON BRANCH
© Copyright 2012, BNY Mellon. All Rights Reserved. 2 https://gctinvestorreporting.bnymellon.com/
Note Level Data
GOLDEN BAR VI 20-Dec-2012
Notes Outstanding
Class A Note - ISIN: IT0004765662
ORIGINAL RATING
Aaa(sf) Moody's Investors Service, Inc
AAA(sf) DBRS Inc
CURRENT RATING
Aa2(sf) Moody's Investors Service, Inc
AAA(sf) DBRS Inc
EUROCurrency
€532,000,000.00Original Face Class A
€532,000,000.00Beginning Principal Class A
€0.00Principal Paid Class A
€2,345,292.44Interest Paid Class A
€2,345,292.44Total Paid Class A
€532,000,000.00Ending Principal Class A
Class B Note - ISIN: IT0004765647
ORIGINAL RATING
Baal(sf) Moody's Investors Service, Inc
A(high)(sf) DBRS Inc
CURRENT RATING
Baal(sf) Moody's Investors Service, Inc
A(high)(sf) DBRS Inc
EUROCurrency
€95,000,000.00Original Face Class B
€95,000,000.00Beginning Principal Class B
€0.00Principal Paid Class B
€418,802.22Interest Paid Class B
€418,802.22Total Paid Class B
€95,000,000.00Ending Principal Class B
Class C Note - ISIN: IT0004765654
EUROCurrency
(Junior Notes will not be assigned a rating)
€323,000,000.00Original Face Class C
€323,000,000.00Beginning Principal Class C
€0.00Principal Paid Class C
€8,425,915.00Interest Paid Class C
€8,425,915.00Total Paid Class C
€323,000,000.00Ending Principal Class C
© Copyright 2012, BNY Mellon. All Rights Reserved. 3 https://gctinvestorreporting.bnymellon.com/
GOLDEN BAR VI 20-Dec-2012
Junior Notes Interest
Junior Notes Interest Paid €8,425,915.00
JUNIOR NOTES INTEREST AMOUNT means:
(a) in relation to the Junior Notes and in relation to each Interest Payment Date on which the Cash
Reserve equals the Target Cash Reserve Amount, the Junior Notes Available Funds calculated
on the immediately preceding Calculation Date less: (i) the sum of amounts to be paid on such
date under items (i) to (xxi) of the Pre-Enforcement Interest Priority of Payments, with the
exception of the amounts to be paid on such date under items (xvii), (xviii), (xix) and (xx) of
the same Pre-Enforcement Interest Priority of Payments and; (ii) the aggregate Interest
Components due but not paid at such date under the Claims which have become Defaulted.
Claims during the immediately preceding Collection Period;
(b) in relation to the Junior Notes and in relation to each Interest Payment Date on which the Cash
Reserve is lower than the Target Cash Reserve Amount, the Junior Notes Available Funds
calculated on the immediately preceding Calculation Date less: (i) the sum of amounts to be
paid on such date under items (i) to (xxi) of the Pre-Enforcement Interest Priority of Payments,
with the exception of the amounts to be paid on such date under items xiv), (xvii), (xviii), (xix)
and (xx) of the same Pre-Enforcement Interest Priority of Payments; (ii) the aggregate Interest
Components due but not paid at such date under the Claims which have become Defaulted
Claims during the immediately preceding Collection Period; and (iii) the Cash Reserve at the
immediately preceding Calculation Date;
1) JUNIOR NOTES INTEREST DUE (calculated on the basis of the above definition -> (a) in relation
to the Junior Notes and in relation to each Interest Payment Date on which the Cash
Reserve equals the Target Cash Reserve Amount, the Junior Notes Available Funds calculated
on the immediately preceding Calculation Date less: (i) the sum of amounts to be paid on such date
under items (i) to (xxi) of the Pre-Enforcement Interest Priority of Payments,
with the exception of the amounts to be paid on such date under items (xvii), (xviii), (xix)
and (xx) of the same Pre-Enforcement Interest Priority of Payments and; (ii) the aggregate Interest
Components due but not paid at such date under the Claims which have become Defaulted.
€8,425,915.00 Claims during the immediately preceding Collection Period;)
€8,425,915.002) JUNIOR NOTES INTEREST PAID
© Copyright 2012, BNY Mellon. All Rights Reserved. 4 https://gctinvestorreporting.bnymellon.com/
Interest Available Funds
GOLDEN BAR VI 20-Dec-2012
INTEREST AVAILABLE FUNDS €66,119,037.77
Means, on any Calculation Date prior to the service of an Issuer Acceleartion Notice, an amount equal to the sum of:
(a) the Interest Components received by the Issuer in respect of the Loans in the Portfolio during
€22,680,925.42 the Collection Period immediately preceding such Calculation Date;
(b) without duplication with (a) above, an amount equal to the Interest Components invested in
Eligible Investments (if any) during the immediately preceding Collection Period from the
€0.00 Collection Account, following liquidation thereof on the preceding Liquidation Date;
€23,750,000.00(c) the Cash Reserve
(d) without duplication with (c) above, an amount equal to the sums invested in Eligible Investments (if
any) during the immediately preceding Collection Period from the Cash Reserve Account, following
€0.00 liquidation thereof on the preceding Liquidation Date;
(e) without duplication with (c) above, all amounts of interest accrued and paid on the Cash Accounts
€0.00 during the Collection Period immediately preceding such Calculation Date;
(f) without duplication with (e) above, payments made to the Issuer by any other party to the
Transaction Documents during the Collection Period immediately preceding such Calculation Date
excluding amounts paid or payable under the Swap Agreement and excluding those amounts constituting
€0.00 Principal Available Funds;
(g) any amount due and payable, although not yet paid, to the Issuer by the Swap Counterparty under
the Swap Agreement on the second Business Day before the Interest Payment Date immediately following
€18,384,923.52 the relevant Calculation Date;
€10,120.86(h) the Revenue Eligible Investments Amount realised on the preceding Liquidation Date, if any;
(i) any recoveries (including any purchase price received in relation to the sale of any Defaulted
Claims) received by the Issuer in respect of any Defaulted Claim during the Collection Period
€1,293,067.97 immediately preceding such Calculation Date;
(j) any other amount standing to the credit of the Collection Account as at the end of the Collection
Period immediately preceding the relevant Calculation Date but excluding those amounts constituting
€0.00 Principal Available Funds; and
(k) to the extent that the funds under (a) to (j) (inclusive) above would not be sufficient to make
the payments falling due on the immediately following Interest Payment Date under items (i) to (vi) of
© Copyright 2012, BNY Mellon. All Rights Reserved. 5 https://gctinvestorreporting.bnymellon.com/
Interest Available Funds
GOLDEN BAR VI 20-Dec-2012
INTEREST AVAILABLE FUNDS €66,119,037.77
Means, on any Calculation Date prior to the service of an Issuer Acceleartion Notice, an amount equal to the sum of:
the Pre-Enforcement Interest Priority of Payments, the amounts to be drawn or used by the Issuer under
€0.00 the Liquidity Facility Agreement on the following Interest Payment Date to cover such shortfall;
€66,119,037.77TOTAL INTEREST AVAILABLE FUNDS
© Copyright 2012, BNY Mellon. All Rights Reserved. 6 https://gctinvestorreporting.bnymellon.com/
Principal Available Funds
GOLDEN BAR VI 20-Dec-2012
PRINCIPAL AVAILABLE FUNDS €83,178,732.65
Means, on any Calculation Date prior to the service of an Issuer Acceleration Notice, an amount equal to the sum of:
(a) the Principal Components received by the Issuer in respect of the Loans (other than Defaulted Claims)
€75,194,074.02 in the Portfolio during the Collection Period immediately preceding such Calculation Date;
(b) without duplication with paragraph (a) above, an amount equal to the Principal Components (other
than those relating to Defaulted Claims) invested in Eligible Investments (if any) during the
immediately preceding Collection Period from the Collection Account, following liquidation thereof on
€670,964.94 the preceding Liquidation Date;
€7,313,693.69(c) the Principal Deficiency Ledger Amount calculated in respect of such Calculation Date;
(d) the amounts actually credited to and/or retained in, on the immediately preceding Interest
Payment Date, the Collection Account under items (i)(A) and (i)(C)(i) of the Pre-Enforcement Principal
€0.00 Priority of Payments, if any;
(e) payments made to the Issuer by the Originator pursuant to the Warranty and Indemnity Agreement and/or
the Master Transfer Agreement during the Collection Period immediately preceding such Calculation Date in
€0.00 respect of indemnities or damages for breach of representations or warranties;
(f) any purchase price received by the Issuer in relation to the sale of any Claims (other
than Defaulted Claims) made in accordance with the Master Transfer Agreement and the Warranty and
€0.00 Indemnity Agreement during the Collection Period immediately preceding such Calculation Date;
(g) on the Calculation Date immediately preceding the Final Redemption Date and on any Calculation Date
€0.00 thereafter, the balance standing to the credit of the Expenses Account at such dates; and
(h) on the Calculation Date immediately following the repayment in full of the Senior Notes,
€0.00 the Prepayment Reserve;
€83,178,732.65TOTAL PRINCIPAL AVAILABLE FUNDS
© Copyright 2012, BNY Mellon. All Rights Reserved. 7 https://gctinvestorreporting.bnymellon.com/
Pre-Enforcement Interest Priority of Payments
GOLDEN BAR VI 20-Dec-2012
INTEREST AVAILABLE FUNDS €66,119,037.77
Prior to the service of an Issuer Acceleration Notice, the Interest Available Funds as calculated on each Calculation Date will
be applied by the Issuer on the Interest Payment Date immediately following such Calculation Date in making payments or
provisions in the following order of priorityPayment Amount Funds Remaining
(i) in or towards satisfaction, pro rata and pari passu, according to the respective amounts thereof,
€0.00 of any and all outstanding taxes due and payable by the Issuer in relation to this Securitisation €66,119,037.77
(ii) A. any and all outstanding fees, costs, liabilities and any other expenses to be
€3,878.24 paid in order to preserve the corporate existence of the Issuer, €66,115,159.53
B. any and all outstanding fees,costs, expenses and taxes required to be paid in connection with the listing, deposit or ratings of the
€0.00 Notes, or any notice to be given to the Noteholders or the other parties to the Transaction Documents, €66,115,159.53
€1,125.00 C. Representative of the Noteholders fees €66,114,034.53
€0.00 D. the amount necessary to replenish the Expenses Account up to the Retention Amount €66,114,034.53
(iii) in or towards satisfaction, pro rata and pari passu, according to the respective amounts thereof,of:
A. any and all outstanding fees, costs and expenses of any and all other amounts due and payable to
the Paying Agent, the Agent Bank, the Computation Agent, the Corporate Services Provider, the Stichtingen
€4,750.49 Corporate Services Provider, the Account Bank and the Transaction Administrator €66,109,284.04
€100,000.00 B. any and all outstanding fees due and payable to the Liquidity Facility Provider €66,009,284.04
(iv) in or towards satisfaction of all amounts due and payable to the Swap Counterparty (other than any
€21,975,435.17 termination payment due to the Swap Counterparty following the occurrence of a Swap Trigger) €44,033,848.87
(v) in or towards satisfaction of any and all outstanding fees, costs and expenses of and all other
amounts due and payable to the Servicer (other than the amounts due in respect of (i) the Servicer�s Advance
€1,277,147.25 and (ii) the insurance premiums €42,756,701.62
(vi) in or towards satisfaction, pro rata and pari passu, of all amounts of interest due and payable on the
€2,345,292.44 Class A Notes; €40,411,409.18
(vii) following the occurrence of a Servicer Report Delivery Failure Event, but only if, on such Interest
Payment Date, the Servicer Report Delivery Failure Event is still outstanding, to credit to or retain in,
€0.00 as the case may be, all amounts to the Collection Account; €40,411,409.18
€0.00(viii) in or towards satisfaction of all amounts of interest due and payable to the Liquidity Facility Provider €40,411,409.18
€0.00(ix) in or towards satisfaction of all amounts of principal due and payable to the Liquidity Facility Provider €40,411,409.18
€0.00(x) in or towards reduction of the Class A Notes Principal Deficiency Ledger to zero €40,411,409.18
€418,802.22(xi) in or towards satisfaction, pro rata and pari passu,of all amounts of interest due and payable on the Class B; €39,992,606.96
© Copyright 2012, BNY Mellon. All Rights Reserved. 8 https://gctinvestorreporting.bnymellon.com/
Pre-Enforcement Interest Priority of Payments
GOLDEN BAR VI 20-Dec-2012
INTEREST AVAILABLE FUNDS €66,119,037.77
Prior to the service of an Issuer Acceleration Notice, the Interest Available Funds as calculated on each Calculation Date will
be applied by the Issuer on the Interest Payment Date immediately following such Calculation Date in making payments or
provisions in the following order of priorityPayment Amount Funds Remaining
€0.00(xii) in or towards reduction of the Class B Notes Principal Deficiency Ledger to zero €39,992,606.96
€7,313,693.69(xiii) in or towards reduction of the Junior Notes Principal Deficiency Ledger to zero €32,678,913.27
(xiv) to credit the Cash Reserve Account the amount required, so that the Cash Reserve equals the
€23,750,000.00 Target Cash Reserve Amount; €8,928,913.27
(xv) in or towards satisfaction of any termination payment due and payable to the Swap Counterparty following
€0.00 the occurrence of a Swap Trigger €8,928,913.27
€0.00(xvi) in or towards satisfaction of all amounts due and payable to the Arranger €8,928,913.27
€0.00(xvii) in or towards satisfaction of all amounts of interest due and payable to the Subordinated Loan Provider €8,928,913.27
€0.00(xviii) in or towards satisfaction of all amounts of principal due and payable to the Subordinated Loan Provider €8,928,913.27
(xix) in or towards satisfaction, pro rata and pari passu, according to the respective amounts thereof,
of all amounts due and payable to Santander:
€502,998.27 A. in respect of the Originator's Claims €8,425,915.00
€0.00 B. in connection with a Limited Recourse Loan €8,425,915.00
(xx) all amounts due and payable to the Servicer in respect of:
€0.00 A. the Servicer's Advance €8,425,915.00
€0.00 B. the insurance premiums advanced by Santander in its capacity as Servicer €8,425,915.00
(xxi) any and all outstanding fees, costs, liabilities and any other expenses to be paid to fulfil obligations
€0.00 to any Other Issuer Creditor incurred in the course of the Issuer's business in relation to this Securitisation €8,425,915.00
(xxii) twenty-second, in or towards satisfaction, pro rata and pari passu, of (a) the Junior Notes Interest Amount
€8,425,915.00 due and payable on the Junior Notes and (b) the Junior Notes Interest Amount Arrears (if any). €0.00
© Copyright 2012, BNY Mellon. All Rights Reserved. 9 https://gctinvestorreporting.bnymellon.com/
Pre-Enforcement Princpal Priority of Payments
GOLDEN BAR VI 20-Dec-2012
PRINCIPAL AVAILABLE FUNDS€83,178,732.65
Prior to the service of an Issuer Acceleration Notice, the Principal Available Funds as calculated on each Calculation Date will
be applied by the Issuer on the Interest Payment Date immediately following such Calculation Date in making payments or
provisions in the following order of priorityPayment Amount Funds Remaining
(i):
A. following the occurrence of a Servicer Report Delivery Failure Event, but only if on such Interest Payment
Date the Servicer Report Delivery Failure Event is still outstanding, to credit all remaining amounts to,
€0.00 or retain in, the Collection Account; €83,178,732.65
B. during the Revolving Period, in or towards purchase of Subsequent Claims from the Originator in accordance
€82,577,536.17 with the terms of the Master Transfer Agreement €601,196.48
C. during the Amortising Period,
(i) if the First Amortisation Interest Payment Date has not occurred yet,
to credit all remaining amounts to, or retain in,Collection Account
(ii) if the First Amortisation Interest Payment Date has occurred, in or towards repayment
€0.00 pro rata and pari passu, of the Principal Amount Outstanding of the Class A Notes until the Class A Notes are repaid in full; €601,196.48
€601,196.48(ii) during the Revolving Period, to credit all remaining amounts to, or retain in, the Collection Account €0.00
(iii) in or towards satisfaction of all amounts of principal due and payable to the Liquidity Facility
€0.00 Provider to the extent not paid under item (ix) of the Pre-Enforcement Interest Priority of Payments €0.00
(iv) during the Amortising Period pro rata and pari passu, of the Principal Amount Outstanding of the
€0.00 Class B Notes until the Class B Notes are repaid in full;
(v) in or towards satisfaction of all amounts due and payable to the Arranger to the extent not paid
€0.00 under item (xvii) of the Pre-Enforcement Interest Priority of Payments €0.00
(vi) in or towards satisfaction of all amounts of principal due and payable to the Subordinated Loan
€0.00 Provider to the extent not paid under item (xix) of the Pre-Enforcement Interest Priority of Payments; €0.00
(vii) during the Amortising Period in or towards repayment pro rata and pari passu, of the Principal Amount Outstanding of
€0.00 pro rata and pari passu of the Principal Amount Outstanding of the Junior Notes until such Notes are repaid in full; €0.00
€0.00 the Junior Notes until the Principal Amount Outstanding of such Junior Notes is equal to � 30,000; €0.00
€0.00(viii) on the Final Redemption Date and on any date thereafter, in or towards satisfaction, €0.00
€0.00(ix) up to, but excluding the Final Redemption Date, in or towards satisfaction, €0.00
€0.00 pro rata and pari passu of the Junior Notes Additional Remuneration €0.00
© Copyright 2012, BNY Mellon. All Rights Reserved. 10 https://gctinvestorreporting.bnymellon.com/
Swaps
GOLDEN BAR VI 20-Dec-2012
Swap Payment Information
€21,975,435.17Swap Payment to Swap Counter Party
€18,384,923.52Swap Payment to Issuer
€3,590,511.65Net Swap Payment to Swap Counter Party
€0.00Net Swap to Payment Issuer
7.824%Swap Final Rate A
9.352%Swap Final Rate B
€929,595,674.70Swap Notional Amount
© Copyright 2012, BNY Mellon. All Rights Reserved. 11 https://gctinvestorreporting.bnymellon.com/
Deal Details
GOLDEN BAR VI 20-Dec-2012
Cash Reserve Account Detail
€23,750,000.00Beginning Balance
€23,750,000.00Account Withdrawals
€23,750,000.00Account Additions
€23,750,000.00Target Amount
€23,750,000.00Ending Balance
Liquidity Facility Provider Detail
Beginning Balance €20,000,000.00
Account Withdrawals €0.00
Account Additions €0.00
Ending Balance €20,000,000.00
The Amount of Capital Retained and Not Paid Out
€670,964.94Beginning Collection Account Balance
€670,964.94Collection Account Withdrawals made during current Interest Payment Date
€601,196.48Collection Account Additions made during current Interest Payment Date
€601,196.48Ending Collection Account Balance
Purchase Termination Trigger Detail
0.7704%Default Ratio
3.8085%Arrear Ratio
99.9479%Collateral Ratio
Principal Deficiency Ledger Detail
Principal Deficiency Ledger Detail €0.00
Realised Loss Amount €7,313,693.69
Class A PDL
Opening PDL balance €0.00
Debit to PDL €0.00
Credit to PDL €0.00
Closing PDL balance €0.00
Class B PDL
Opening PDL balance €0.00
Debit to PDL €0.00
Credit to PDL €0.00
Closing PDL balance €0.00
Class C PDL
Opening PDL balance €0.00
Debit to PDL €7,313,693.69
Credit to PDL €7,313,693.69
Closing PDL balance €0.00
© Copyright 2012, BNY Mellon. All Rights Reserved. 12 https://gctinvestorreporting.bnymellon.com/
Servicer Report
GOLDEN BAR VI 20-Dec-2012
Portfolio Outstanding
€959,650,534.55Outstanding Balance at the Previous Valuation Date
€0.00Transaction of 2011-2 issued
€53,856,933.29Principal Amounts due (except from Defaulted Loans and Prepaid Capital) during the Reference Period
€1,695,265.00Amounts received in relation to the Warranty & Indemnity Agreement for the Reference Period**
€26,610,545.39Outstanding Balance of the Prepaid Loans for the Reference Period
€7,313,693.69Outstanding Balance of the Defaulted Loans for the Reference Period
€870,174,097.18Portfolio Outstanding Balance at the current Valuation Date
** Repurchased Loans Outstanding Balance (as of the Warranty & Indemnity Agreement)
In-flows for the Reference Period
Theoretical Current
€56,350,827.32In-flows from Principal Instalments €53,856,933.29
€22,622,184.58In-flows from Interests Instalments €21,909,721.20
€569,132.50In-flows from Collection Fees €538,706.97
€0.00In-flows from Payments in Arrear €32,561.79
€0.00In-flows from Deemed Collections €0.00
€0.00In-flows from Prepayments €19,433,253.57
€0.00In-flows from Prepayments Fees €92,981.38
€0.00In-flows from Recoveries on Arrears €315,576.24
-of which Principal components €208,622.16
-of which Interest components €106,954.08
Interest Components received by the issuer in respect of the consumer loans in the portfolio during the
collection period.
€22,555,382.25
€0.00In-flows from recoveries on Defaulted €1,293,067.97
€0.00Other In-flows in the Reference Period €1,695,265.00
-of which Principal components €1,695,265.00
-of which Interest components (cancellation ) €0.00
TOTAL PRINCICPAL COMPONENTS €75,194,074.02
TOTAL INTEREST COMPONENTS €23,973,993.39
€79,542,144.40TOTAL COLLECTIONS €99,168,067.41
€502,998.27 -of which to be paid back to Santander Consumer Bank (rateo interessi)
Principal Amount available for replenishment
€75,194,074.02Total Principal Components
€7,313,693.69PDL Amount
€670,964.94Revolving Period - Amounts to Collection Account (not used in the previous IPD)
€83,178,732.65TOTAL Principal available
For Single Series Junior Notes Interest Amount determination purposes
€24,481,442.53Revenues from interests Instalments by competence (Aggregate of all interest amounts accrued,
although not yet paid, in respect of consumer loans during the collection period immediately preceding
such Calcutation Date)
€0.00Ratio of aggregate Interest Components of the Instalments scheduled to be paid after such date under
the claims which have become Defaulted Claims during the immediately preceding Collection Period less
the relevant collection fees not yet accrued
Arrears Loans (N° of installments)
Principal TotalMatured & Unpaid Interest
€467,794.251 instalment €232,142.05 €699,936.30
€386,889.572 instalments €202,952.20 €589,841.77
€400,058.163 instalments €207,713.61 €607,771.77
€450,002.234 instalments €240,474.57 €690,476.80
€370,097.185 instalments €191,777.69 €561,874.87
Principal TotalOutstanding Interest
€14,062,369.131 instalment €4,238,560.73 €18,300,929.86
€7,140,424.472 instalments €2,223,057.87 €9,363,482.34
€5,235,807.673 instalments €1,542,960.77 €6,778,768.44
€4,499,094.234 instalments €1,395,186.50 €5,894,280.73
€3,140,493.925 instalments €930,872.21 €4,071,366.13
Defaulted Loans
€7,313,693.69Defaulted Loans Outstanding Balance for the reference Period
€14,282,363.35Defaulted Loans Outstanding Balance for the reference Period sold to SCF/Third Party
€1,293,067.97Recoveries on Defaulted Loans for the Reference Period
-of which sold to SCF
€3,246,153.29"Crediti in Sofferenza"
Portfolio
€870,174,097.18Portfolio Outstanding Principal at the Valuation Date (A)
€82,577,536.17Portfolio purchased at the next transfer date (B)
€952,751,633.35Total Portfolio Principal Outstanding (A+B)
€950,000,000.00Outstanding of the Notes
TriggerTriggers Limit
0.7704%Default ratio <0,8% No
3.8085%Arrear ratio <7% No
99.9479%Collateral Ratio >97% No
33.4469%South <=35% No
5.6233%Postal Slip <=12% No
3.8272%Durables <=10% No
0.0057%Top borrower <=0,1% No
0.0553%Top10 borrowers <=0,35% No
0.2505%Finanziamenti Non Consumer <=0,3% No
10.5969%Internal Rate of Return >=8% No
Amounts
€7,313,693.69Defaulted loans
€36,153,030.81Arrear loans
€952,751,633.35Portfolio Outstanding
€318,666,351.31South
€53,576,089.99Postal Slip
€36,464,133.26Durables
€54,238.47Top borrower
€526,567.29Top10 borrowers
€2,386,941.22Finanziamenti Non Consumer
Pre Replenishment %Portfolio Breakdown for Product at the Post Replenishment
€32,811,734.77 3.8272%Durables €36,464,133.26
€837,362,362.41 96.1728%Personal Loans €916,287,500.09
€870,174,097.18TOTAL €952,751,633.35
Pre Replenishment %Portfolio Breakdown for Geographical Area at the Post Replenishment
€434,549,033.45 49.8872%North €475,301,423.38
€148,785,106.45 16.6658%Centre €158,783,858.66
€286,839,957.28 33.4469%South + Islands €318,666,351.31
€870,174,097.18TOTAL €952,751,633.35
Pre Replenishment %Portfolio Breakdown for Payment Type at the Post Replenishment
€819,372,963.44 94.3767%Direct Debit €899,175,543.36
€50,801,133.74 5.6233%Postal Slip €53,576,089.99
€870,174,097.18TOTAL €952,751,633.35
Servicer Fee
€1,199,563.17Servicing Fee (Percentage of 0,125%)
€77,584.08Servicing Fee (Percentage of 6% of Recoveries)
Invoice
€1,277,147.25TOTAL
Principal Amount still dueDefaulted Claims sold to SCF/Third Party
Contact Information
GOLDEN BAR VI 20-Dec-2012
BNY Mellon Contacts:
Relationship Manager
Lia Maggioni
Tel +39 02 8790 9837
Fax +39 02 8790 9851
lia.maggioni@bnymellon.com
Trust Associate
Silvia Milanesi
Tel 00.39 02 8790 9846
Fax 00.39 02 8790 9851
silvia.milanesi@bnymellon.com
Letizia Gerli
Tel 00.39 02 8790 9848
Fax 00.39 02 8790 9851
letizia.gerli@bnymellon.com
© Copyright 2012, BNY Mellon. All Rights Reserved. 16 https://gctinvestorreporting.bnymellon.com/