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BA Credit Card Trust

Excess Available Funds Analysis—January 2019


BAseries Performance January-19 December-18 November-18 3-Month Average
Cash Yield 16.69% 17.61% 17.28% 17.19%
Cash Yield without Recoveries 16.21% 17.14% 16.80% 16.72%
         
Gross Charge-Offs 3.13% 3.10% 3.15% 3.13%
Net Charge-Offs 2.65% 2.63% 2.68% 2.65%
         
Base Rate 3.36% 3.48% 3.45% 3.43%
Excess Available Funds 10.20% 11.03% 10.67% 10.63%
         
Monthly Payment Rate 19.22% 19.11% 18.22% 18.85%
         
Delinquency
  30 to 59 days 0.49% 0.48% 0.51% 0.49%
  60 to 89 days 0.34% 0.36% 0.36% 0.35%
  90 + days 0.86% 0.84% 0.82% 0.84%
  Total 1.69% 1.68% 1.69% 1.69%

BA Credit Card Trust Class A Class B Class C Total
Adj. Outstanding Tranche Totals ($MM- Millions) $8,575 $3,350 $1,975 $13,900
Series 2001-D
Class D Investor Interest ($MM- Millions) $2,063

BA Master Credit Card Trust II- 2 Total
Aggregate Ending Principal Receivables ($MM- Millions) $28,331
Transferor Interest (30-day average) 41.19%

Footnotes