Ally Bank 2015 Annual Report Download - page 137

 &BSOJOHTQFS$PNNPO4IBSF
5IFGPMMPXJOHUBCMFQSFTFOUTUIFDBMDVMBUJPOPGCBTJDBOEEJMVUFEFBSOJOHTQFSDPNNPOTIBSF
:FBSFOEFE%FDFNCFSJONJMMJPOTFYDFQUQFSTIBSFEBUBB   
/FUJODPNFGSPNDPOUJOVJOHPQFSBUJPOT   
1SFGFSSFETUPDLEJWJEFOETe64%FQBSUNFOUPGUIF5SFBTVSZ ae 
*NQBDUPGSFQVSDIBTFPGNBOEBUPSJMZDPOWFSUJCMFQSFGFSSFETUPDLIFMECZ64%FQBSUNFOUPG
UIF5SFBTVSZBOEFMJNJOBUJPOPGTIBSFBEKVTUNFOUSJHIU ae 
1SFGFSSFETUPDLEJWJEFOETC 
/FUMPTTJODPNFGSPNDPOUJOVJOHPQFSBUJPOTBUUSJCVUBCMFUPDPNNPOTIBSFIPMEFST  
*ODPNFMPTTGSPNEJTDPOUJOVFEPQFSBUJPOTOFUPGUBY   
/FUMPTTJODPNFBUUSJCVUBCMFUPDPNNPOTIBSFIPMEFST  
#BTJDXFJHIUFEBWFSBHFDPNNPOTIBSFTPVUTUBOEJOHD   
%JMVUFEXFJHIUFEBWFSBHFDPNNPOTIBSFTPVUTUBOEJOHDE   
#BTJDFBSOJOHTQFSDPNNPOTIBSF
/FUMPTTJODPNFGSPNDPOUJOVJOHPQFSBUJPOT  
*ODPNFMPTTGSPNEJTDPOUJOVFEPQFSBUJPOTOFUPGUBY   
/FUMPTTJODPNF  
%JMVUFEFBSOJOHTQFSDPNNPOTIBSF
/FUMPTTJODPNFGSPNDPOUJOVJOHPQFSBUJPOT  
*ODPNFMPTTGSPNEJTDPOUJOVFEPQFSBUJPOTOFUPGUBY   
/FUMPTTJODPNF  
B 'JHVSFTJOUIFUBCMFNBZOPUSFDBMDVMBUFFYBDUMZEVFUPSPVOEJOH&BSOJOHTQFSTIBSFJTDBMDVMBUFECBTFEPOVOSPVOEFEOVNCFST
C 1SFGFSSFETUPDLEJWJEFOETGPSUIFZFBSFOEFE%FDFNCFSJODMVEFNJMMJPOSFDPHOJ[FEJODPOOFDUJPOXJUIUIFSFEFNQUJPOPGUIF4FSJFT(
1SFGFSSFE4UPDLBOEUIFSFQVSDIBTFPGUIF4FSJFT"1SFGFSSFE4UPDL5IFTFEJWJEFOETSFQSFTFOUBOBEEJUJPOBMSFUVSOUPQSFGFSSFETIBSFIPMEFSTDBMDVMBUFEBT
UIFFYDFTTDPOTJEFSBUJPOQBJEPWFSUIFDBSSZJOHBNPVOUEFSFDPHOJ[FE3FGFSUP/PUFGPSBEEJUJPOBMQSFGFSSFETUPDLJOGPSNBUJPO
D *ODMVEFTTIBSFTSFMBUFEUPTIBSFCBTFEDPNQFOTBUJPOUIBUWFTUFECVUXFSFOPUZFUJTTVFEGPSUIFZFBSTFOEFE%FDFNCFSBOESFTQFDUJWFMZ
E %VFUPBOUJEJMVUJWFFGGFDUPGUIFOFUMPTTGSPNDPOUJOVJOHPQFSBUJPOTBUUSJCVUBCMFUPDPNNPOTIBSFIPMEFSTGPSUIFZFBSTFOEFE%FDFNCFSBOE
SFTQFDUJWFMZCBTJDXFJHIUFEBWFSBHFDPNNPOTIBSFTPVUTUBOEJOHXFSFVTFEUPDBMDVMBUFCBTJDBOEEJMVUFEFBSOJOHTQFSTIBSF
5IFFGGFDUTPGDPOWFSUJOHUIFPVUTUBOEJOH'JYFE3BUF$VNVMBUJWF.BOEBUPSJMZ$POWFSUJCMF1SFGFSSFE4UPDLJOUPDPNNPOTIBSFTBSFOPU
JODMVEFEJOUIFEJMVUFEFBSOJOHTQFSTIBSFDBMDVMBUJPOGPSUIFZFBSFOEFE%FDFNCFSBTUIFFGGFDUTXPVMECFBOUJEJMVUJWFGPSUIF
QFSJPE"TTVDINJMMJPOPGQPUFOUJBMDPNNPOTIBSFTXFSFFYDMVEFEGSPNUIFEJMVUFEFBSOJOHTQFSTIBSFDBMDVMBUJPOGPSUIFZFBSFOEFE
%FDFNCFS
 3FHVMBUPSZ$BQJUBMBOE0UIFS3FHVMBUPSZ.BUUFST
"TB#)$XFBOEPVSXIPMMZPXOFETUBUFDIBSUFSFECBOLJOHTVCTJEJBSZ"MMZ#BOLBSFTVCKFDUUPDBQJUBMSFRVJSFNFOUTJTTVFECZ64
CBOLJOHSFHVMBUPSTUIBUSFRVJSFVTUPNBJOUBJOSJTLCBTFEBOEMFWFSBHFDBQJUBMSBUJPTBCPWFNJOJNVNMFWFMT"SJTLCBTFEDBQJUBMSBUJPJTBSBUJP
PGBCBOLJOHPSHBOJ[BUJPOcTSFHVMBUPSZDBQJUBMUPJUTSJTLXFJHIUFEBTTFUT"MFWFSBHFDBQJUBMSBUJPJTBSBUJPPGBCBOLJOHPSHBOJ[BUJPOcT
SFHVMBUPSZDBQJUBMUPBNFBTVSFPGBTTFUTPSFYQPTVSFTUIBUJTOPUSJTLXFJHIUFE"TPG+BOVBSZ"MMZBOE"MMZ#BOLCFDBNFTVCKFDUUP
UIFSVMFTJNQMFNFOUJOHUIF#BTFM***DBQJUBMGSBNFXPSLJOUIF6OJUFE4UBUFT64#BTFM***XIJDISFGMFDUOFXBOEIJHIFSDBQJUBM
SFRVJSFNFOUTDBQJUBMCVGGFSTBOEOFXSFHVMBUPSZDBQJUBMEFGJOJUJPOTEFEVDUJPOTBOEBEKVTUNFOUT$FSUBJOBTQFDUTPG64#BTFM***JODMVEJOH
UIFOFXDBQJUBMCVGGFSTBOESFHVMBUPSZDBQJUBMEFEVDUJPOTXJMMCFQIBTFEJOPWFSTFWFSBMZFBST
'BJMVSFUPNFFUNJOJNVNDBQJUBMSFRVJSFNFOUTDBOJOJUJBUFDFSUBJONBOEBUPSZBOEQPTTJCMZBEEJUJPOBMEJTDSFUJPOBSZBDUJPOCZSFHVMBUPST
UIBUJGVOEFSUBLFODPVMEIBWFBEJSFDUNBUFSJBMFGGFDUPOUIFDPOTPMJEBUFEGJOBODJBMTUBUFNFOUTPSUIFSFTVMUTPGPQFSBUJPOTBOEGJOBODJBM
DPOEJUJPOPG"MMZBOE"MMZ#BOL6OEFSDBQJUBMBEFRVBDZHVJEFMJOFTBOEUIFSFHVMBUPSZGSBNFXPSLGPSQSPNQUDPSSFDUJWFBDUJPOXFBOE"MMZ
#BOLNVTUNFFUTQFDJGJDDBQJUBMHVJEFMJOFTUIBUJOWPMWFRVBOUJUBUJWFNFBTVSFTPGDBQJUBMBTTFUTBOEDFSUBJOPGGCBMBODFTIFFUJUFNT5IFTF
NFBTVSFTBOESFMBUFEDMBTTJGJDBUJPOTXIJDIBSFVTFEJOUIFDBMDVMBUJPOPGPVSSJTLCBTFEBOEMFWFSBHFDBQJUBMSBUJPTBOEUIPTFPG"MMZ#BOLBSF
BMTPTVCKFDUUPRVBMJUBUJWFKVEHNFOUTCZUIFSFHVMBUPSTBCPVUUIFDPNQPOFOUTPGDBQJUBMUIFSJTLXFJHIUJOHTPGBTTFUTBOEPUIFSFYQPTVSFTBOE
PUIFSGBDUPST5IF64CBOLJOHSFHVMBUPSTBMTPVTFUIFTFSBUJPTBOEHVJEFMJOFTBTQBSUPGUIFDBQJUBMQMBOOJOHBOETUSFTTUFTUJOHQSPDFTTFT*O
BEEJUJPOJOPSEFSGPS"MMZUPNBJOUBJOJUTTUBUVTBTB')$"MMZBOEJUTCBOLTVCTJEJBSZ"MMZ#BOLNVTUSFNBJOaXFMMDBQJUBMJ[FEbBOEaXFMM
NBOBHFEbBTEFGJOFEVOEFSBQQMJDBCMFMBX&GGFDUJWF+BOVBSZUIFaXFMMDBQJUBMJ[FEbTUBOEBSEGPSJOTVSFEEFQPTJUPSZJOTUJUVUJPOTTVDI
BT"MMZ#BOLXBTSFWJTFEUPSFGMFDUUIFOFXBOEIJHIFSDBQJUBMSFRVJSFNFOUTVOEFS64#BTFM***
6OEFS64#BTFM***"MMZNVTUNBJOUBJOBNJOJNVN$PNNPO&RVJUZ5JFSSJTLCBTFEDBQJUBMSBUJPPGBNJOJNVN5JFSSJTL
CBTFEDBQJUBMSBUJPPGBOEBNJOJNVN5PUBMSJTLCBTFEDBQJUBMSBUJPPG*OBEEJUJPOUPUIFTFNJOJNVNSFRVJSFNFOUT"MMZJTBMTPTVCKFDU
UPB$PNNPO&RVJUZ5JFSDBQJUBMDPOTFSWBUJPOCVGGFSPGNPSFUIBOTVCKFDUUPBQIBTFJOGSPN+BOVBSZUISPVHI%FDFNCFS
/PUFTUP$POTPMJEBUFE'JOBODJBM4UBUFNFOUT
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