Market Share Distribution - Experian

State of the Automotive Finance Market First Quarter 2015 Melinda Zabritski | Sr. Director Experian Automotive

© 2015 Experian Information Solutions, Inc. All rights reserved. Experian Public.

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Today’s presentation

Follow us on Twitter #EXPAuto @Experian_Auto Connect with us on LinkedIn Experian Automotive Today’s presentation will be available within 24-48 hours Look for an email with a link to download the presentation or view the recording


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Session overview

Originations  New and Used financing  Lender and transaction types  Loan & lease characteristics

Market overview  Outstanding balances  Risk distributions  Deliqnuencies © 2015 Experian Information Solutions, Inc. All rights reserved. Experian Public.

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VantageScore 3.0 ranges

Score ranges Category

VantageScore® 3.0

Super prime Prime Nonprime Subprime

781 – 850 661 – 780 601 – 660 501 – 600

Deep subprime

300 – 500


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Originations New and used lending

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Growing reliance upon financing

Percentage of vehicles with financing 100%

52.5%

53.5%

55.6%

Q1 2011

Q1 2012

Q1 2013

Q1 2014

Q1 2015

30%

46.1%

50% 40%

84.6%

51.1%

81.1%

60%

77.6%

70%

81.7%

80%

84.9%

Used

83.4%

New

48.9%

90%

20% 10% 0%

Q1 2010

Source: Experian Automotive © 2015 Experian Information Solutions, Inc. All rights reserved. Experian Public.

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Percentage of used model year vehicles without loans 100% 90%

64.9% of all vehicles financed in Q1 2015 were used

80% 70% 60% 50% 40% 30% 20% 10%