07/21/2025 | Press release | Distributed by Public on 07/21/2025 08:11
Exhibit 99.1
Volkswagen Auto Loan Enhanced Trust 2024-1 | |
MONTHLY SERVICER CERTIFICATE | |
For the collection period ended 6-30-2025 | PAGE 1 |
A. | DATES | Begin | End | # days | |||||
1 | Determination Date | 7/17/2025 | |||||||
2 | Payment Date | 7/21/2025 | |||||||
3 | Collection Period | 5/31/2025 | 6/30/2025 | 31 | |||||
4 | Monthly Interest Period - Actual/360 | 6/20/2025 | 7/20/2025 | 31 | |||||
5 | Monthly Interest - 30/360 | 30 | |||||||
6 | SOFR Adjustment Date | 6/17/2025 |
B. | SUMMARY | |||||||||||||||||||||||||
Initial Balance | Beginning Balance | Principal Payment | Ending Balance | Note Factor | ||||||||||||||||||||||
7 | Class A-1 Notes | 294,000,000.00 | - | - | - | - | ||||||||||||||||||||
8 | Class A-2-A Notes | 443,000,000.00 | 408,401,203.75 | 31,783,623.46 | 376,617,580.29 | 0.8501526 | ||||||||||||||||||||
9 | Class A-2-B Notes | 125,000,000.00 | 115,237,359.98 | 8,968,291.04 | 106,269,068.94 | 0.8501526 | ||||||||||||||||||||
10 | Class A-3 Notes | 548,000,000.00 | 548,000,000.00 | - | 548,000,000.00 | 1.0000000 | ||||||||||||||||||||
11 | Class A-4 Notes | 90,000,000.00 | 90,000,000.00 | - | 90,000,000.00 | 1.0000000 | ||||||||||||||||||||
12 | Total Securities | $ | 1,500,000,000.00 | $ | 1,161,638,563.73 | $ | 40,751,914.50 | $ | 1,120,886,649.23 | |||||||||||||||||
13 | Overcollateralization | 62,499,999.23 | 62,499,999.23 | 62,499,999.23 | ||||||||||||||||||||||
14 | Adjusted Pool Balance | $ | 1,562,499,999.23 | $ | 1,224,138,562.96 | $ | 40,751,914.50 | $ | 1,183,386,648.46 | |||||||||||||||||
15 | YSOC | 186,917,713.52 | 140,332,660.04 | 134,938,222.79 | ||||||||||||||||||||||
16 | Net Pool Balance | $ | 1,749,417,712.75 | $ | 1,364,471,223.00 | $ | 40,751,914.50 | $ | 1,318,324,871.25 |
Per $1000 | Principal& Interest | Per $1000 | ||||||||||||||||||||||||
Coupon Rate | SOFR Rate | Interest Pmt Due | Face Amount | Payment Due | Face Amount | |||||||||||||||||||||
17 | Class A-1 Notes | 4.62200 | % | N/A | - | - | - | - | ||||||||||||||||||
18 | Class A-2-A Notes | 4.65000 | % | N/A | 1,582,554.66 | 3.5723581 | 33,366,178.12 | 75.3186865 | ||||||||||||||||||
19 | Class A-2-B Notes | 4.66185 | % | 4.30185 | % | 462,605.50 | 3.7008440 | 9,430,896.54 | 75.4471723 | |||||||||||||||||
20 | Class A-3 Notes | 4.63000 | % | N/A | 2,114,366.67 | 3.8583333 | 2,114,366.67 | 3.8583333 | ||||||||||||||||||
21 | Class A-4 Notes | 4.67000 | % | N/A | 350,250.00 | 3.8916667 | 350,250.00 | 3.8916667 | ||||||||||||||||||
22 | Total Securities | 4,509,776.83 | 45,261,691.33 |
C. | COLLECTIONS AND AVAILABLE FUNDS | |||||
23 | Scheduled Principal Payments Received | 26,711,360.12 | ||||
24 | Scheduled Interest Payments Received | 5,263,295.97 | ||||
25 | Prepayments of Principal Received | 17,270,107.34 | ||||
26 | Liquidation Proceeds | 674,583.60 | ||||
27 | Recoveries Received | 666,106.23 | ||||
28 | Other Payments Received to Reduce Principal | |||||
29 | Subtotal: Total Collections | 50,585,453.26 | ||||
30 | Repurchased Receivables | - | ||||
31 | Reserve Account Excess Amount (Item 94) | 13,431.89 | ||||
32 | Total Available Funds, prior to Servicer Advances | 50,598,885.15 | ||||
33 | Servicer Advance (Item 77) | - | ||||
34 | Total Available Funds + Servicer Advance | 50,598,885.15 | ||||
35 | Reserve Account Draw Amount (Item 80) | - | ||||
36 | Total Available Funds + Servicer Advance and Reserve Account Draw Amount | 50,598,885.15 |
D. | DISTRIBUTIONS | |||||
Distribution Summary: | ||||||
37 | Prior Advance Reimbursement (Item 83) | - | ||||
38 | Servicing Fees (Item 45) | 1,137,059.35 | ||||
39 | Class A Noteholder Interest (Item 56) | 4,509,776.83 | ||||
40 | Principal Distribution Amount (Item 81) | 40,751,914.50 | ||||
41 | Amount Paid to Reserve Account to Reach Specified Balance | - | ||||
42 | Other Amounts Paid to Trustees | - | ||||
43 | Certificateholders Principal Distribution Amount | - | ||||
44 | Remaining Funds to Seller | 4,200,134.47 |
PAGE 2
Distribution Detail: | Due | Shortfall | Paid | |||||||||||
45 | Servicing Fees | 1,137,059.35 | - | 1,137,059.35 | ||||||||||
Pro rata: | ||||||||||||||
46 | Class A-1 Interest | - | - | - | ||||||||||
47 | Class A-2-A Interest | 1,582,554.66 | - | 1,582,554.66 | ||||||||||
48 | Class A-2-B Interest | 462,605.50 | 462,605.50 | |||||||||||
49 | Class A-3 Interest | 2,114,366.67 | - | 2,114,366.67 | ||||||||||
50 | Class A-4 Interest | 350,250.00 | - | 350,250.00 | ||||||||||
51 | Class A-1 Interest Carryover Shortfall | - | - | - | ||||||||||
52 | Class A-2-A Interest Carryover Shortfall | - | - | - | ||||||||||
53 | Class A-2-B Interest Carryover Shortfall | - | - | - | ||||||||||
54 | Class A-3 Interest Carryover Shortfall | - | - | - | ||||||||||
55 | Class A-4 Interest Carryover Shortfall | - | - | - | ||||||||||
56 | Class A Noteholder Interest | 4,509,776.83 | - | 4,509,776.83 |
E. | CALCULATIONS | |||||||||
Calculation of Principal Distribution Amount: | ||||||||||
57 | Beginning Adjusted Pool Balance | 1,224,138,562.96 | ||||||||
58 | Beginning Net Pool Balance | 1,364,471,223.00 | ||||||||
59 | Receipts of Scheduled Principal | (26,711,360.12 | ) | |||||||
60 | Receipts of Prepaid Principal | (17,270,107.34 | ) | |||||||
61 | Liquidation Proceeds | (674,583.60 | ) | |||||||
62 | Other Collections of Principal | - | ||||||||
63 | Principal Amount of Repurchases | - | ||||||||
64 | Principal Amount of Defaulted Receivables | (1,490,300.69 | ) | |||||||
65 | Ending Net Pool Balance | 1,318,324,871.25 | ||||||||
66 | Yield Supplement Overcollateralization Amount | 134,938,222.79 | ||||||||
67 | Adjusted Pool Balance | 1,183,386,648.46 | ||||||||
68 | Less: Adjusted Pool Balance - End of Collection Period | 1,183,386,648.46 | ||||||||
69 | Calculated Principal Distribution Amount | 40,751,914.50 | ||||||||
Calculation of Servicer Advance: | ||||||||||
70 | Available Funds, prior to Servicer Advances (Item 32) | 50,598,885.15 | ||||||||
71 | Less: Prior Advance Reimbursement (Item 37) | - | ||||||||
72 | Less: Servicing Fees Paid (Item 38) | 1,137,059.35 | ||||||||
73 | Less: Interest Paid to Noteholders (Item 39) | 4,509,776.83 | ||||||||
74 | Less: Calculated Principal Distribution (Item 69) | 40,751,914.50 | ||||||||
75 | Equals: Remaining Available Funds before Servicer Advance | 4,200,134.47 | ||||||||
76 | Monthly Loan Payments Due on Included Units but not received (N/A if Item 75 > 0) | N/A | ||||||||
77 | Servicer Advance (If Item 75 < 0, lesser of Item 75 and Item 76, else 0) | - | ||||||||
Calculation of Reserve Account Draw Amount: | ||||||||||
78 | Remaining Available Funds, before Reserve Account Draw (Item 75 plus Item 77) | 4,200,134.47 | ||||||||
79 | Available Funds Shortfall Amount (If Item 78 < 0, Item 78, else 0) | - | ||||||||
80 | Reserve Account Draw Amount (If Item 79 is > 0, Lesser of Reserve Acct Balance and Item 79) | - | ||||||||
81 | Principal Distribution Amount (Item 69 - Available Funds Shortfall + Reserve Account Draw Amt) | 40,751,914.50 | ||||||||
Reconciliation of Servicer Advance: | ||||||||||
82 | Beginning Balance of Servicer Advance | - | ||||||||
83 | Less: Prior Advance Reimbursement | - | ||||||||
84 | Plus: Additional Servicer Advances for Current Period | - | ||||||||
85 | Ending Balance of Servicer Advance | - |
F. | RESERVE ACCOUNT | |||||
Reserve Account Balances: | ||||||
86 | Specified Reserve Account Balance (Lesser of (a) $3,906,250.00, and (b) the aggregate note balance) | 3,906,250.00 | ||||
87 | Initial Reserve Account Balance | 3,906,250.00 | ||||
88 | Beginning Reserve Account Balance | 3,906,250.00 | ||||
89 | Plus: Net Investment Income for the Collection Period | 13,431.89 | ||||
90 | Subtotal: Reserve Fund Available for Distribution | 3,919,681.89 | ||||
91 | Plus: Deposit of Excess Available Funds (Item 41) | - | ||||
92 | Less: Reserve Account Draw Amount (Item 80) | - | ||||
93 | Subtotal Reserve Account Balance | 3,919,681.89 | ||||
94 | Less: Reserve Account Excess Amount to Available Funds (If Item 93 > Item 86) | 13,431.89 | ||||
95 | Equals: Ending Reserve Account Balance | 3,906,250.00 | ||||
96 | Change in Reserve Account Balance from Immediately Preceding Payment Date | - |
PAGE 3 | ||||||||||||||
G. | POOL STATISTICS | |||||||||||||
Collateral Pool Balance Data: | Initial | Prior Period | Current Period | |||||||||||
97 | Net Pool Balance | 1,749,417,713 | 1,364,471,223 | 1,318,324,871 | ||||||||||
98 | Number of Current Contracts | 57,024 | 50,286 | 49,440 | ||||||||||
99 | Weighted Average Loan Rate | 4.67 | % | 4.61 | % | 4.61 | % | |||||||
100 | Average Remaining Term | 56.4 | 49.1 | 48.2 | ||||||||||
101 | Average Original Term | 64.4 | 64.6 | 64.6 | ||||||||||
102 | Monthly Prepayment Rate | 1.18 | % |
Outstanding | ||||||||||
Net Credit Loss and Repossession Activity: | Units | Principal Balance | ||||||||
103 | Aggregate Outstanding Principal Balance of Charged Off Receivables | 60 | 2,164,884.29 | |||||||
104 | Liquidation Proceeds on Related Vehicles | 674,583.60 | ||||||||
105 | Recoveries Received on Receivables Previously Charged Off | 666,106.23 | ||||||||
106 | Net Principal Losses for Current Collection Period | 60 | 824,194.46 | |||||||
107 | Beginning Net Principal Losses | 591 | 10,319,784.97 | |||||||
108 | Net Principal Losses for Current Collection Period | 60 | 824,194.46 | |||||||
109 | Cumulative Net Principal Losses | 651 | 11,143,979.43 | |||||||
110 | Cumulative Net Loss Ratio (Cumulative Net Principal Losses divided by $1,749,417,712.75) | 0.64 | % |
Outstanding | ||||||||||||||
Delinquencies Aging Profile - End of Period: | Percentage | Units | Principal Balance | |||||||||||
111 | Current | 99.16 | % | 49,112 | 1,307,295,835.88 | |||||||||
112 | 30 - 59 Days Delinquent | 0.62 | % | 246 | 8,141,876.64 | |||||||||
113 | 60 - 89 Days Delinquent | 0.22 | % | 82 | 2,887,158.73 | |||||||||
114 | 90-120 Days Delinquent1 | 0.00 | % | - | - | |||||||||
115 | Total | 100.00 | % | 49,440 | 1,318,324,871 |
H. | DELINQUENCY AND NET LOSS RATIOS | |||||
Ratio of Net Principal Losses to the Pool balance as of Each Collection Period | Percentage | |||||
116 | Current Period | 0.06 | % | |||
117 | Prior Period | 0.07 | % | |||
118 | Two Periods Prior | 0.07 | % | |||
119 | Three Periods Prior | 0.12 | % | |||
120 | Four Period Average (Current and Three Prior Collection Periods) | 0.08 | % | |||
Total Delinquencies - Ratio of Principal Balance of 60-Day Delinquent Receivables to the Pool balance as of Each Collection Period | Percentage | |||||
121 | Current Period | 0.22 | % | |||
122 | Prior Period | 0.12 | % | |||
123 | Two Periods Prior | 0.18 | % | |||
124 | Three Periods Prior | 0.15 | % | |||
125 | Four Period Average (Current and Three Prior Collection Periods) | 0.17 | % | |||
126 | Delinquncy Trigger | 3.22 | % | |||
127 | Delinquency Percentage (60-Day Delinquent Receivables) | 0.22 | % | |||
128 | Delinquency Trigger occurred in this collection Period? | No |
Summary of Material Modifications, Extensions or Waivers | |
None in the current month | |
Summary of Material Breaches of Representations or Warranties Related to Eligibility Criteria | |
None in the current month | |
Summary of Material Breaches by the Issuer of Transaction Covenants | |
None in the current month | |
Summary of Material Changes in Practices With respect to Charge-Offs, Collections and Management of Delinquent Receivables and the Effect | |
of any Grace Period, Re-Aging, Re-Structuring, Partial Payments or Other Practices on Delinquency and Loss Experience | |
None in the current month | |
Credit Risk Retention Information (To appear on the first servicing certificate after closing) |