In 2014, auto lending has received increased media attention. Unlike other forms of consumer lending, auto lending has been booming. This lending has powered spending and has been an important driver of the economic recovery. In order to examine auto lease and loan trends. These slides highlight Experian IntelliView data tthat provides a quarterly update of U.S. lending trends based on credit bureau data including originations, outstanding loans and lines, credit performance trends, segmented by product and other characteristics.

1. Auto Lending Naysayers Are
Neglecting Key Facts
Part II
Jerry Podczaski,
Global Consulting Practice,
Experian Decision Analytics
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Experian-Oliver Wyman Market Intelligence Report
VantageScore Overview
VantageScore Credit Tiers
Super prime 781-850
Prime 661-780
Near prime 601-660
Subprime 500-600
Deep subprime 300-499
VantageScore®, which is used by lenders
and now available to consumers, is the first
credit score developed cooperatively by
Experian and the other national credit
reporting companies.
The VantageScore 3.0 model ranges from
300 - 850 with a high score = low risk.
Note: Each lender determines credit quality tiers according to their own lending strategies. The credit tier breakdown is offered only
as an approximation.
VantageScore is a registered trademark of VantageScore Solutions, LLC.

3. Figure 1 - Consumer Credit Product Outstanding
Balances Since 2006
180
160
140
120
100
80
60
40
20
0
Index, 2006 Q1 =100
Bankcards
Mortgages
HELOCs
Home Equity Loans
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Quarter
Auto Loans and Leases
Personal Loans

4. Figure 2 - Auto Loan and Lease Outstandings By
Financial Institution Type
$1,000
$900
$800
$700
$600
$500
$400
$300
$200
$100
$0
Outstandings in $billions
All Auto Loans and Leases
Captive Auto Banks
Credit Unions
Finance Companies
Quarter
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Experian Public

5. Figure 3 - Auto Loan and Lease Outstandings By
Credit Grade
$300
$250
$200
$150
$100
$50
$0
Outstandings in $billions
Near-prime
Prime Subprime
Quarter
Super-prime
Deep Subprime
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Experian Public

6. Figure 4 - Auto Loan and Lease Outstandings By
Credit Grade 2014-Q2
45%
40%
35%
30%
25%
20%
15%
10%
5%
0%
Existing APRs Above Column
3.84%
2.67%
Super-prime
Prime
5.99%
Near-prime
Subprime
Deep Subprime
4.79%
7.75%
11.52%
8.07%
4.38%
3.39%
6.44%
9.07%
17.93%
13.29%
6.71%
3.78%
13.83% 9.38% 11.06%
Banks Captive Auto Credit Union Finance
Proportion of Oustandings
3.61%
19.35%
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7. Figure 5 - Auto Loan and Lease Outstandings By
Credit Grade- Banks
45%
40%
35%
30%
25%
20%
15%
10%
5%
0%
Proportion of Outstandings
Near-prime
Quarter
Prime
Super-prime
Subprime
Deep Subprime
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Experian Public

8. Figure 6 - Auto Loan and Lease Outstandings By
Credit Grade- Finance Companies
50%
45%
40%
35%
30%
25%
20%
15%
10%
5%
0%
Proportion of Outstandings
Quarter
Deep Subprime
Subprime
Near-prime
Super-prime
Prime
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Experian Public

9. Figure 7 - Auto Loan and Lease Delinquency Rates
5.00%
4.50%
4.00%
3.50%
3.00%
2.50%
2.00%
1.50%
1.00%
0.50%
0.00%
Delinquency Rates (% of Outstandings)
30+ Day Delinquency Rate
30-59 Days Past Due
90+ Days Past Due
Quarter
60-89 Days Past Due
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10. Figure 8 - Auto Loan/Lease 30+ Day Delinquency
Rates By Financial Institution
14.00%
12.00%
10.00%
8.00%
6.00%
4.00%
2.00%
0.00%
30+ Delinquency Rate
Quarter
Finance Companies
Captive Auto
Credit Unions
Banks
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Experian Public

11. Figure 9 - Auto Loan/Lease 60+ Day Delinquency
Rates By Financial Institution
6.00%
5.00%
4.00%
3.00%
2.00%
1.00%
0.00%
60+ Day Delinquency Rate
Banks
Credit Unions Captive Auto
Quarter
Finance Companies
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Experian Public

12. Figure 10 - Auto Loan/Lease 90+ Day Delinquency
Rates By Financial Institution
3.50%
3.00%
2.50%
2.00%
1.50%
1.00%
0.50%
0.00%
90+ Day Delinquency Rate
Captive Auto
Quarter
Finance Companies
Credit Unions
Banks
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Experian Public

13. 13 Stay ahead of the trends
with Experian IntelliView
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Experian-Oliver Wyman Market Intelligence Report
IntelliView
 A unique combination of industry leading assets
from Experian and Oliver Wyman
 Current Experian – Oliver Wyman Market
Intelligence Reports in an online format
– Hundreds of pre-defined reports
– Create custom reports and views using
intuitive prompts
– Download instantly to PDF or MS Excel
 24 x 7 access to timely and invaluable information
given current economic and credit volatility
 Automatic quarterly updates
 Wide range of consumer lending products
 Origination, outstanding loans and credit
performance trends
 Industry benchmarking

14. Jerry Podczaski
Senior Business Consultant
Experian Decision Analytics’ Global Consulting Practice
Jerry Podczaski brings a formidable record of U.S. and international consulting successes within the
financial services industry to Experian. Podczaski has been a management consultant in the financial
services industry for the past eight years. Prior to that, he spent seventeen years in executive roles at large
financial service companies such as Wells Fargo and Nations Bank. His area of expertise is credit risk
management.
Jerry Podczaski has unique experience, with an understanding of every major consumer lending product
(mortgages, home equity lending, credit cards, auto lending), as well as small business lending. He brings
deep, rich expertise in optimizing credit and risk infrastructure, incorporating methodologies, policies,
controls, compliance, systems, people, and processes. Podczaski is a respected leader and mentor with
superior skills in change management.
An accomplished SAS programmer, Podczaski’s skill provides the ability for data analytics that compliments
his long experience.
“Working with a client and building an understanding of their business and
circumstances excites me. I enjoy creating relationships that prevail.
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