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
Jerry Podczaski,
Global Consulting Practice,
Experian Decision Analytics
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Experian Public.

2. Figure 1: Consumer Credit Product Volumes Since 2006 –
Experian Intelliview Data
180
160
140
120
100
80
60
40
20
0
Index, 2006 Q1 =100
Figure 1
Consumer Credit Product Volumes Since 2006
HELOCs
Quarter
Auto Loans and Leases
Mortgages
Personal Loans
Home Equity Loans
Bankcards
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Experian Public.

3. Figure 2: Auto Loan and Lease Volumes by Financial
Institution Type - Experian Intelliview Data
Auto Loan and Lease Volumes By Financial Institution Type
$160
$140
$120
$100
$80
$60
$40
$20
$0
Quarterly Volume in $billions
Figure 2
All Auto Loans and Leases
Captive Auto Banks
Credit Unions
Quarter
Finance Companies
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Experian Public.

4. 4 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
©2014 Experian Information Solutions, Inc. All rights reserved.
Experian Public.
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.

5. Figure 4: Auto Loan and Lease Volumes by Credit Grade–
Experian Intelliview Data
$60
$50
$40
$30
$20
$10
$0
Quarterly Originations (in $billions)
Figure 4
Auto Loan and Lease Volumes By Credit Grade
Super-prime
Quarter
Near-prime
Prime
Subprime
Deep Subprime
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Experian Public.

6. Figure 5: Auto Loan and Lease Volumes by Credit Grade 2014
Q2 – Experian Intelliview Data
45%
40%
35%
30%
25%
20%
15%
10%
5%
0%
Figure 5
Auto Loan and Lease Volumes By Credit Grade 2014-Q2
3.50%
2.71%
Super-prime
Prime
5.71%
Near-prime
8.43%
Subprime
Deep Subprime
4.11%
6.90%
11.69%
13.81%
9.29%
2.78
3.68%
5.95%
9.32%
Existing APRs Above Column
5.27%
3.23%
11.15%
18.20%
12.17%
Banks Captive Auto Credit Union Finance
Proportion of Origination Volume
3.04%
19.78%
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Experian Public.

7. Figure 6: Auto Loan and Lease Average Size by Financial
Institution – Experian Intelliview Data
$25,000
$20,000
$15,000
$10,000
$5,000
$0
All Auto Loans and Leases
Quarter
Banks
Finance Companies
Captive Auto
Credit Unions
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Experian Public.

8. Figure 7: Auto Loan and Lease APRs by Credit Grade –
Experian Intelliview Data
20%
18%
16%
14%
12%
10%
8%
6%
4%
2%
0%
APR
Figure 7
Auto Loan and Lease APRs By Credit Grade
Quarter
Deep Subprime
Subprime
Near-prime
Prime
Super-prime
8 ©2014 Experian Information Solutions, Inc. All rights reserved.
Experian Public.

9. Figure 8: Auto Loan and Lease Volumes 2014 Q2 by State –
Experian Intelliview Data
Auto Loan and Lease Volumes 2014 Q2 By State
TX
11.8%
CA
10.9%
FL
6.7%
NY
5.0%
PA
3.8%
IL
OH 3.7%
3.5%
GA
3.3%
Figure 8
MI
3.1%
NC
2.9%
All Else
35.7%
VA
2.7%
NJ
2.6%
MD
2.0%
AZ
2.2%
9 ©2014 Experian Information Solutions, Inc. All rights reserved.
Experian Public.

10. 10 Experian-Oliver Wyman Market Intelligence Report
IntelliView
Stay ahead of the trends
with Experian 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
©2014 Experian Information Solutions, Inc. All rights reserved.
Experian Public.

11. 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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Experian Public.

12. ©2012 2014 Experian Information Solutions, Inc. All rights reserved.
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