Saxon Capital Group Inc. · OTC:SCGX
Saxon Capital — Investor Presentation (November 2005)
20 slides from Saxon Capital's investor presentation, Nov 8, 2005
Slide 1: Saxon Capital, Inc.
Saxon Capital, Inc.
Slide 2: Forward Looking Statement
Forward Looking Statement Certain information contained herein, reflecting our future plans and strategies, may constitute “forward-looking statements” that are based on current expectations and assumptions. These expectations and assumptions are subject to risks and uncertainty, which could affect
Slide 3: Who We Are
Who We Are Qualified REIT Subsidiary (QRS) Owned Portfolio Saxon is a residential mortgage lender and servicer that manages a portfolio of mortgage assets. Saxon originates, purchases, securitizes, and services real property secured mortgages, and elects to be treated as a real estate investment tru
Slide 4: Originate/Purchase Mortgage Loans Core Competencies
Originate/ Purchase Mortgage Loans Core Competencies Underwriting Capital Markets Servicing
Slide 5: Saxon's Strategy
Portfolio Growth Breadth Of Product Line Investment In Technology 3 rd Party Servicing Growth Saxon’s Strategy
Slide 6: Saxon's Strategy
Saxon’s Strategy • Growth in Owned Portfolio • Maintain Pricing Discipline • Maintain Credit Discipline • Growth in Originations • Growth in 3 rd Party Servicing • Technology investments to drive costs down • Whole loan sales
Slide 7: Saxon's Proven Track Record
axon’s Proven Track Record = Diluted EPs Return on Enuty S263 219% ns% e246 139% si24 102% sos (02a) | a= I tte 21% ) . 2007(83-04) 2002 2003 2008 yTO2008 = ada 2002 003 s00__v10 2005 235001 Sharh’ Egy 00% sonar) ssiasae OR steo20 s1susos some cesigon ESE
Slide 8: Sources of Portfolio Growth
Sources of Portfolio Growth $3,495 Originations – 9/30/05 * Does not include called loans.
Slide 9: Portfolio Geographic Dispersion
Portfolio Geographic Dispersion
Slide 10: Third Quarter 2005 Originations
hird Quarter 20! Funded %of Credit Volume —TotalFunded = WAC - WA CREDIT Score (00's) Volume Fixed WAC-ARM SCORE = WACLTV >650 $203,210 23.97% 7.44% 888% 687 82.55% 601-650 $295,447 34.85% 137% 8.98% 624 80.98% 551-600 $239,325 28.23% 158% 737% 576 71.37% 526-550 $62,226 734% 841% 7.99% 537 73.93% <
Slide 11: Credit & Servicing Statistics
Credit & Servicing Statistics
Slide 12: Servicing Portfolio
Servicing Portfolio $6.2 billion = 23%
Slide 13: Credit Score Distribution by Year
Creait | YTD 2005 2004 = 2003 2002 2001 2000 1999 > 650 PRCA kre Ce Te 6.61% 5.51% ETOH E58] 34.04% 30.94% 20.56% 24.56% 18.48% PRMBEYSE 14.57% PSHE) 27.10% 23.35% 23.22% 29.28% 35.65% 40.93% 44.47% 526-550) 7.30% 7.84% 7.35% 11.08% 23.06% 19.85% <525 | 5.28% 640% 4.16% 5.89% 18.21% Other | 0.13% 0.
Slide 14: Performance: Static Pool Delinquency
Performance: Static Pool Delinquency – 2000 = 8.0% 2003 = 14.8% = 4.8% 2004 = 33.6% = 7.3% = 31.5% Outstanding Portfolio Balance by Year:
Slide 15: Performance: Saxon Portfolio Static Pool Losses by Year of Origination
Performance: Saxon Portfolio Static Pool Losses by Year of Origination
Slide 16: Performance: Static Pool Losses by Year of Origination
Performance: Static Pool Losses by Year of Origination Total Cumulative Losses: = 4.08% 2001 = 3.56% 2004 = 0.04% = 5.05% 2002 = 1.47% = 5.47% 2003 = 0.34%
Slide 17: Loss Severity
Loss Severity eet 133 88 6 nm 2 > ‘Decline In Asset Value mLiquidation Expenses Glnterest Advances
Slide 18: Performance: 2004 Delinquency by Credit Score Saxon vs. Peer Group
Performance: 2004 Delinquency by Credit Score Saxon vs. Peer Group Benchmark Securities: ABFC, ABS, ACE, AMERIQUEST, ARC/SASCO, ARGENT, BEAR STEARNS, C-BASS, CENTEX, CHASE FUNDING, COUNTRYWIDE, CSFB, DELTA, DLJ, EQUICREDIT, EQUITY ONE, FIELDSTONE, FIRST FRANKLIN, FREMONT, GSAMP/GSMPS, LONG BEACH, MA
Slide 19: Summary
Strong Management Existing Portfolio Servicing Platform Discipline Summary • SAX has a culture of discipline in growth, credit, and servicing. • Creating assets for our balance sheet and managing a REIT require similar discipline. • SAX has a servicing platform that is highly rated and scalable. • S
Slide 20: Thank You for Your Investment
Thank You for Your Investment www.saxoncapitalinc.com
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