Consumer Portfolio Services CPSS Mar 2009 Presentation

8/14/2019 Consumer Portfolio Services CPSS Mar 2009 Presentation

1/23

9

Onvdstkr VrdsdntitoknIs kh Lirbm 29, 366?


2/23

Rpdboijty honinbd bklpiny

hkbusda kn tmd suc-prold iutk

liredt

Dsticjosmda on 9??95 OVK on 9??3

Qmrkugm Lirbm 29, 366?,

ipprkxolitdjy $=.7 cojjokn on

bkntribt purbmisds hrkl iutkadijdrs

Orvond, Bijohkrnoi mdiaquirtdrs ina

tmrdd stritdgobijjy jkbitda

sdrvobong crinbmds on Xorgonoi,

Hjkroai ina Ojjonkos

Ipprkxolitdjy 839 dlpjkydds

Is kh Lirbm 29, 366?, linigda

pkrthkjok kh ipprkxolitdjy $9.4

cojjokn

3


3/23

T.R. Iutk HoninbdLiredt

3668 T.R. iutk honinbong < $164cojjokn (9)

$398 cojjokn ndw5 $9=? cojjokn usda

Bklpiny dstolitds 36%, kr $=9cojjokn os sucprold

Mostkrobijjy hrigldntda liredt

Hdw aklonint jkng-tdrl pjiydrs

Rognohobint cirrodrs tk dntry

Ktmdr Li`krLiredt Vjiydrs

IldroBrdaot

Bipotij Knd

Rintinadr/Arovd

Bmisd Bustkl

BotoHoninboij

Sdgoknij Ibbdptinbd/CC&Q

Linuhibturdrs Biptovds

(9) Ibbkraong tk BNW Liredtong Sdsdirbm, Onb.2


4/23

Vurbmisd bkntribts hrkl adijdrs on 18 stitds 94 dlpjkydd liredtong rdps on tmd hodja ina sox on-mkusd

Vrolirojy hibtkry hrinbmosda adijdrs

(9) Tnadr tmd BVR prkgrils hkr bkntribts purbmisda on tmd sdbkna mijh kh 366=.1


5/23

Ronbd onbdptokn tmrkugm Adbdlcdr 366= tmd Bklpiny miskrogonitda kvdr $=.7 cojjokn

4


6/23

98% Ndw

=1% Vrd-kwnda

88% Akldstob

21% Hkrdogn

Vrolirojy jitdlkadj, prd-kwndavdmobjds

8

(9) Tnadr tmd BVR prkgrils hkr bkntribts purbmisda on tmd sdbkna mijh kh

366=.


7/23

BVRs rose-ia`ustda probong rdsujts on prkgril khhdrongs

bkvdrong i woad cina kh tmd brdaot spdbtrul


366=.(3) Bkntribt IVS is ia`ustda hkr hdds bmirgda (kr pioa) tk adijdr.

Vrkgril (9) Ivg. _odja (3) Ivg. Ilkunt

Honinbda

Ivg. HOBK % kh

Vurbmisds

Vrdhdrrda 9=.9% $98,3?4 47? 2%

Rupdr Ijpmi 9?.=% $98,732 43? 98%

Ijpmi Vjus 33.9% $98,986 422 36%

Ijpmi 31.3% $91,=?8 439 17%

Rtinaira 3=.4% $92,6=8 43? 1%

Ldrbury / Adjti 26.?% $99,?16 412 4%

Horst Qold Cuydr 26.?% $99,973 448 4%

7


8/23

Ivdrigd igd 16 ydirs

Ivdrigd told on `kc 7 ydirs

Ivdrigd told on rdsoadnbd 4 ydirs

Ivdrigd brdaot mostkry 99 ydirs

Ivdrigd mkusdmkja onbkld $14,228 pdr ydir

Vdrbdntigd kh mkldkwndrs 98%

Ckrrkwdr0

Ivdrigd ilkunt honinbda $91,=94 Ivdrigd lkntmjy piyldnt $16?

Ivdrigd tdrl 83 lkntms

Wdogmtda Ivdrigd IVS 9?.7%

Bkntribt0

=


366=.


9/23

Bkntribt Krogonitokns

Bdntrijozda bkntribt krogonitokns itOrvond MY Lixolozds bkntrkj ina dhhobodnbods

Vrkprodtiry iutk-adbosoknong systdl Lieds onotoij brdaot adbosokn kn kvdr

?4% kh onbklong ippjobitokns

Dnminbds adijdr sdrvobd cysmkrtdnong rdspknsd told

Vrd-hunaong vdrohobitokn kh

dlpjkyldnt, onbkld ina rdsoadnby Vrktdbts igionst pktdntoij hriua

Rdrvobong

Gdkgripmobijjy aospdrsda sdrvobongbdntdrs dnminbd bkvdrigd ina stihhonghjdxocojoty ina arovd pkrthkjokpdrhkrlinbd

Dirjy bkntibt kn pist aud ibbkunts5bklldnbong is dirjy is horst aiy ihtdraud aitd

Dirjy stigd wkrejkia suppjdldntda cyiutklitda ontdjjogdnt prdaobtovd aoijdr

Wkrejkias ijjkbitda cisda knspdboijozitokn ina cdmivokrij sbkrdbiras,wmobm dnminbds dhhobodnbods

?


10/23

96

Jkin-tk-Xijud Sitok Viyldnt-tk-Onbkld Sitok

Ivdrigd JQX ina Ivdrigd VQO ritoks mivd stdiaojy adbrdisda


11/23

99


12/23

Qwk wirdmkusd hibojotods iggrdgitong $166 lojjokn tdrlonitda onY1 366=

Vursuong ijtdrnitovd skurbds kh joquoaoty

Yuirtdrjy III ritda issdt-cibeda sdburotods prkvoada

mostkrobij jkng-tdrl litbmda hunaong - $8.1 cojjokn on 1= adijssonbd 9??1

Jist adij bklpjdtda on Iproj 36=

$9?? lojjokn wmkjd jkin sijd (Rdptdlcdr 366=)

$84 lojjokn rdsoauij honinbong lituroty dxtdnada tk @und 3696

93


13/23

92

Sdbdnt adbjond os i rdsujt kh rdaubda ndw bkntribt

purbmisds on 366= ina 366?.


14/23

Qmrdd Yuirtdr Skjjong Ivdrigd (29 kr lkrd aiys pist aud)

91


15/23

6.66%

3.66%

1.66%

8.66%

=.66%

96.66%

93.66%

91.66%

98.66%

9=.66%

Lkntms Rdisknda

9??7

9??=

3669

3663

3662

3661

3664

3668

3667

Ivdrigd ICR Vkkj Bulujitovd Ndt Jkssds is kh Lirbm 29, 366?

ICR pkkjs hrkl 3662 knwira dxmocot sucstintoijjy cdttdr pdrhkrlinbd

94


16/23

98

6.66%

4.66%

96.66%

94.66%

36.66%

34.66%

26.66%

24.66%

-

36

16

86

=6

966

936

916

986

Vdroka Dnaong

JQ Adct (jdht ixos)

Sdsoauij Ontdrdst Adct (jdht ixos)

Sdsoauij ina JQ Adct tk Linigda Vkrthkjok (rogmt ixos)

$onLojjokns


17/23

97

26.66%

24.66%

16.66%

14.66%

46.66%

966.66

964.66

996.66

994.66

936.66

Linmdol OnadxSdbkvdry Sitd Linmdol Tsda Xdmobjd Xijud Onadx (Yuirtdrjy Ivg.) (9)BVR Sdbkvdry Sitd Yuirtdrjy Ivg. (3)

(9) Wmkjdsijd usda vdmobjd probds (kn i lox, lojdigd, ina sdisknijjy ia`ustda cisos).

(3) Yuirtdrjy ivdrigd ndt joquoaitokn prkbddas is i pdrbdntigd kh tmd ndt cijinbd it tmd told kh sijd.

Sdbkvdry Sitds Bkrrdjitd tk Linmdol Onadx


18/23

9=

($ on lojjokns)

Lirbm 29,

366?

Adbdlcdr 29,

366=

Adbdlcdr 29,

3667

Adbdlcdr 29,

3668

Issdts

Bism $ 36.= $ 33.9 $ 36.? $ 91.3

Sdstrobtda Bism 949.7 942.4 976.2 9?2.6

Honinbd rdbdovicjds, ndt kh ijjkwinbd 9,367.1 9,22?.2 9,?87.? 9,169.1

Sdsoauij ontdrdst on sdburotozitokns 1.6 2.8 3.2 92.=

Adhdrrda tix issdts, ndt 43.7 43.7 4=.= 41.7

Ktmdr Issdts 47.7 87.8 83.8 49.4

$ 9,1?1.3 $ 9,82=.= $ 3,3=3.= $ 9,73=.8

Joicojotods

Ibbkunts piyicjd ina ktmdr joicojotods $ 39.7 $ 39.7 $ 9=.1 $ 36.?

Wirdmkusd jonds kh brdaot 7.4 ?.? 324.? 72.6

Onbkld tixds piyicjd --- --- 97.7 96.2

Sdsoauij ontdrdst honinbong 84.3 87.2 76.6 29.1Rdburotozitokn trust adct 9,384.1 9,161.3 9,7?=.2 9,112.6

Rdnokr sdburda adct, rdjitda pirty 36.1 36.9 --- 34.6

Ktmdr adct 31.4 34.7 3=.9 92.8

9,161.7 9,41?.6 3,98=.4 9,897.9

Rmirdmkjadrs dquoty =?.4 =?.= 991.1 999.4

$ 9,1?1.3 $ 9,82=.= $ 3,3=3.= $ 9,73=.8


19/23

9?

Qmrdd Lkntms Dnada _dirs Dnada

($ on lojjokns) Lirbm 29,

366?

Lirbm 29,

366=

Adbdlcdr 29,

366=

Adbdlcdr 29,

3667

Adbdlcdr 29,

3668

Sdvdnuds

Ontdrdst onbkld $ 89.3 $ ??.1 $ 249.8 $ 276.2 $ 382.8

Rdrvobong hdds 9.6 6.1 3.9 9.3 3.?

Ktmdr onbkld 2.= 2.4 91.= 32.9 93.1

88.9 962.2 28=.1 2?1.8 37=.?

DxpdnsdsDlpjkydd bksts ?.2 92.4 1=.? 18.7 2=.4

Gdndrij ina ialonostritovd ?.9 93.9 11.1 17.1 13.6

Ontdrdst 23.9 2?.6 948.2 92?.3 ?2.9

Vrkvosokn hkr brdaot jkssds 98.9 21.? 91=.1 927.2 ?3.9

Jkss kn sijd kh rdbdovicjds 6.6 6.6 91.6 6.6 6.6

88.8 ??.4 199.? 276.8 384.7

Vrdtix onbkld (jkss) (6.4) 2.= (12.4) 31.6 92.3

Onbkld tix dxpdnsd (gion) --- 9.7 (97.1) 96.9 (38.1)

Ndt onbkld (jkss) $ (6.4) $ 3.9 $ (38.9) $ 92.? $ 2?.8

DVR (jkss) (hujjy aojutda) $ (6.62) $ 6.99 $ (9.28) $ 6.89 $ 9.81

DVR wotmkut tix gion $ (6.62) $ 6.99 $ (9.28) $ 6.89 $ 6.44


20/23


21/23

BVR mis wditmdrda onaustryturcujdnbd tk rdlion knd kh tmdhdw onadpdnadnt pucjob iutkhoninbd bklpinods

Ittribtovd onaustry

hunaildntijs is jirgdrbklpdtotkrs dxot onaustry

Aosbopjonda ipprkibm tk brdaotquijoty ina sdrvobong

Brdaot pdrhkrlinbd kh lkrdrdbdnt vontigds kutpdrhkrlongbklpdtotkrs

Kpdritong jdvdrigd tmrkugmdbknklods kh sbijd

Kppkrtunostob, subbdsshujibquosotokns

Rticjd sdnokr linigdldnt tdilwotm sognohobint dquotykwndrsmop

Rdnokr linigdldnt,onbjuaong vobd prdsoadnts,

ivdrigd 92 ydirs kh sdrvobdwotm tmd Bklpiny

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22/23

Iny pdrskn bknsoadrong in onvdstldnt on sdburotods ossuda cy BVR os urgda tk rdvodwtmd litdroijs hojda cy BVR wotm tmd T.R. Rdburotods ina Dxbmingd Bkllossokn

("Bkllossokn"). Rubm litdroijs liy cd hkuna cy onquorong kh tmd Bkllossokns

DAGIS sdirbm pigd (mttp0//www.sdb.gkv/dagir/sdirbmdagir/bklpinysdirbm.mtlj)

usong BVR's tobedr sylckj, wmobm os "BVRR." Sose hibtkrs tmit smkuja cd bknsoadrda

ird adsbrocda on Otdl 9I, Sose Hibtkrs," kh BVR's innuij rdpkrt kn Hkrl 96-E,

wmobm rdpkrt os kn hojd wotm tmd Bkllossokn ina iviojicjd hkr rdvodw it tmdBkllossokn's wdcsotd. Rubm adsbroptokn kh rose hibtkrs os onbkrpkritda mdrdon cy

rdhdrdnbd.

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23/23

Onhkrlitokn onbjuada on tmd prdbdaong sjoads os cdjodvda tk cd ibburitd, cut os nkt

ndbdssirojy bklpjdtd. Rubm onhkrlitokn smkuja cd rdvodwda on ots ipprkproitd

bkntdxt. Qmd olpjobitokn tmit mostkrobij trdnas wojj bkntonud on tmd huturd, kr tmit

pist pdrhkrlinbd os onaobitovd kh huturd rdsujts, os aosbjiolda. Qk tmd dxtdnt tmit knd

rdiaong tmd hkjjkwong litdroij ndvdrtmdjdss lieds subm in onhdrdnbd, subm onhdrdnbd

wkuja cd i hkrwira-jkkeong stitdldnt, ina wkuja cd suc`dbt tk roses ina

unbdrtiontods tmit bkuja biusd ibtuij rdsujts tk viry. Rubm roses onbjuad viroicjddbknklob bknaotokns, iavdrsd pkrthkjok pdrhkrlinbd (rdsujtong, hkr dxilpjd, hrkl

onbrdisda adhiujts cy tmd unadrjyong kcjogkrs), vkjitojd wmkjdsijd vijuds kh

bkjjitdrij unadrjyong BVR issdts, rdjoinbd kn wirdmkusd honinbong ina kn tmd bipotij

liredts, hjubtuitong ontdrdst ritds, onbrdisda bklpdtotokn, rdgujitkry bmingds, tmd

rose kh kcjogkr adhiujt onmdrdnt suc-prold honinbong, ina dxpksurd tk jotogitokn.

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Consumer Portfolio Services CPSS Mar 2009 Presentation

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