Post on 30-May-2018
8/14/2019 Consumer Portfolio Services CPSS Mar 2009 Presentation
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Onvdstkr VrdsdntitoknIs kh Lirbm 29, 366?
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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
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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
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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
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Ronbd onbdptokn tmrkugm Adbdlcdr 366= tmd Bklpiny miskrogonitda kvdr $=.7 cojjokn
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98% Ndw
=1% Vrd-kwnda
88% Akldstob
21% Hkrdogn
Vrolirojy jitdlkadj, prd-kwndavdmobjds
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(9) Tnadr tmd BVR prkgrils hkr bkntribts purbmisda on tmd sdbkna mijh kh
366=.
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BVRs rose-ia`ustda probong rdsujts on prkgril khhdrongs
bkvdrong i woad cina kh tmd brdaot spdbtrul
(9) Tnadr tmd BVR prkgrils hkr bkntribts purbmisda on tmd sdbkna mijh kh
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%
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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
=
(9) Tnadr tmd BVR prkgrils hkr bkntribts purbmisda on tmd sdbkna mijh kh
366=.
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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
?
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Jkin-tk-Xijud Sitok Viyldnt-tk-Onbkld Sitok
Ivdrigd JQX ina Ivdrigd VQO ritoks mivd stdiaojy adbrdisda
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99
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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
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Sdbdnt adbjond os i rdsujt kh rdaubda ndw bkntribt
purbmisds on 366= ina 366?.
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Qmrdd Yuirtdr Skjjong Ivdrigd (29 kr lkrd aiys pist aud)
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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
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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)
$onLojjokns
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97
26.66%
24.66%
16.66%
14.66%
46.66%
966.66
964.66
996.66
994.66
936.66
Linmdol OnadxSdbkvdry Sitd Linmdol Tsda Xdmobjd Xijud Onadx (Yuirtdrjy Ivg.) (9)BVR Sdbkvdry Sitd Yuirtdrjy Ivg. (3)
(9) Wmkjdsijd usda vdmobjd probds (kn i lox, lojdigd, ina sdisknijjy ia`ustda cisos).
(3) Yuirtdrjy ivdrigd ndt joquoaitokn prkbddas is i pdrbdntigd kh tmd ndt cijinbd it tmd told kh sijd.
Sdbkvdry Sitds Bkrrdjitd tk Linmdol Onadx
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9=
($ 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
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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
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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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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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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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