Ally Bank 2015 Annual Report Download - page 154

'BJS7BMVFPG'JOBODJBM*OTUSVNFOUT
5IFGPMMPXJOHUBCMFQSFTFOUTUIFDBSSZJOHBOEFTUJNBUFEGBJSWBMVFPGGJOBODJBMJOTUSVNFOUTFYDFQUGPSUIPTFSFDPSEFEBUGBJSWBMVFPOB
SFDVSSJOHCBTJTQSFTFOUFEJOUIFQSFWJPVTTFDUJPOPGUIJTOPUFUJUMFE3FDVSSJOH'BJS7BMVF8IFOQPTTJCMFXFVTFRVPUFENBSLFUQSJDFTUP
EFUFSNJOFGBJSWBMVF8IFSFRVPUFENBSLFUQSJDFTBSFOPUBWBJMBCMFUIFGBJSWBMVFJTJOUFSOBMMZEFSJWFECBTFEPOBQQSPQSJBUFWBMVBUJPO
NFUIPEPMPHJFTXJUISFTQFDUUPUIFBNPVOUBOEUJNJOHPGGVUVSFDBTIGMPXTBOEFTUJNBUFEEJTDPVOUSBUFT)PXFWFSDPOTJEFSBCMFKVEHNFOUJT
SFRVJSFEJOJOUFSQSFUJOHNBSLFUEBUBUPEFWFMPQFTUJNBUFTPGGBJSWBMVFTPUIFFTUJNBUFTBSFOPUOFDFTTBSJMZJOEJDBUJWFPGUIFBNPVOUTUIBUDPVME
CFSFBMJ[FEPSXPVMECFQBJEJOBDVSSFOUNBSLFUFYDIBOHF5IFFGGFDUPGVTJOHEJGGFSFOUNBSLFUBTTVNQUJPOTPSFTUJNBUJPONFUIPEPMPHJFT
DPVMECFNBUFSJBMUPUIFFTUJNBUFEGBJSWBMVFT'BJSWBMVFJOGPSNBUJPOQSFTFOUFEIFSFJOXBTCBTFEPOJOGPSNBUJPOBWBJMBCMFBU%FDFNCFS
BOE
&TUJNBUFEGBJSWBMVF
%FDFNCFSJONJMMJPOT
$BSSZJOH
WBMVF -FWFM -FWFM -FWFM 5PUBM

'JOBODJBMBTTFUT
-PBOTIFMEGPSTBMFOFU  aa 
'JOBODFSFDFJWBCMFTBOEMPBOTOFU  a a  
/PONBSLFUBCMFFRVJUZJOWFTUNFOUT  a   
'JOBODJBMMJBCJMJUJFT
%FQPTJUMJBCJMJUJFT  aa 
4IPSUUFSNCPSSPXJOHT  a a  
-POHUFSNEFCU  a   

'JOBODJBMBTTFUT
-PBOTIFMEGPSTBMFOFU  e  
'JOBODFSFDFJWBCMFTBOEMPBOTOFU  e e  
/PONBSLFUBCMFFRVJUZJOWFTUNFOUT  e   
'JOBODJBMMJBCJMJUJFT
%FQPTJUMJBCJMJUJFT  ee 
4IPSUUFSNCPSSPXJOHT  e e  
-POHUFSNEFCU  e   
5IFGPMMPXJOHEFTDSJCFTUIFNFUIPEPMPHJFTBOEBTTVNQUJPOTVTFEUPEFUFSNJOFGBJSWBMVFGPSUIFTJHOJGJDBOUDMBTTFTPGGJOBODJBM
JOTUSVNFOUT*OBEEJUJPOUPUIFWBMVBUJPONFUIPETEJTDVTTFECFMPXXFBMTPGPMMPXFEHVJEFMJOFTGPSEFUFSNJOJOHXIFUIFSBNBSLFUXBTOPU
BDUJWFBOEBUSBOTBDUJPOXBTOPUEJTUSFTTFE"TTVDIXFBTTVNFEUIFQSJDFUIBUXPVMECFSFDFJWFEJOBOPSEFSMZUSBOTBDUJPOJODMVEJOHB
NBSLFUCBTFESFUVSOBOEOPUJOGPSDFEMJRVJEBUJPOPSEJTUSFTTFETBMF
d$BTIBOEDBTIFRVJWBMFOUTe*ODMVEFEJODBTIBOEDBTIFRVJWBMFOUTBSFIJHIMZMJRVJEJOWFTUNFOUTUIBUBSFSFBEJMZDPOWFSUJCMFUP
LOPXOBNPVOUTPGDBTIBOEXIJDIBSFTVCKFDUUPBOJOTJHOJGJDBOUSJTLPGDIBOHFJOWBMVFEVFUPJOUFSFTUSBUFRVPUFEQSJDFPSQFOBMUZ
POXJUIESBXBM$MBTTJGJFEBT-FWFMVOEFSUIFGBJSWBMVFIJFSBSDIZDBTIBOEDBTIFRVJWBMFOUTHFOFSBMMZFYQPTFVTUPMJNJUFEDSFEJU
SJTLBOEBSFTPOFBSNBUVSJUZUIBUUIFZQSFTFOUJOTJHOJGJDBOUSJTLPGDIBOHFTJOWBMVFCFDBVTFPGDIBOHFTJOJOUFSFTUSBUFT"TTVDIUIF
DBSSZJOHWBMVFBQQSPYJNBUFTUIFGBJSWBMVFPGUIFTFJOTUSVNFOUT
` -PBOTIFMEGPSTBMFOFUe-PBOTIFMEGPSTBMFDMBTTJGJFEBT-FWFMJODMVEFBMMMPBOTWBMVFEVTJOHJOUFSOBMMZEFWFMPQFEWBMVBUJPO
NPEFMTCFDBVTFPCTFSWBCMFNBSLFUQSJDFTXFSFOPUBWBJMBCMF8FCBTFEPVSWBMVBUJPOPGBVUPNPUJWFMPBOTIFMEGPSTBMFPOJOUFSOBMMZ
EFWFMPQFEEJTDPVOUFEDBTIGMPXNPEFMTBOJODPNFBQQSPBDI5IFTFWBMVBUJPONPEFMTFTUJNBUFUIFFYJUQSJDFXFFYQFDUUPSFDFJWF
JOUIFMPBOcTQSJODJQBMNBSLFUXIJDIEFQFOEJOHPODIBSBDUFSJTUJDTPGUIFMPBOTNBZCFUIFXIPMFMPBONBSLFUPSUIFTFDVSJUJ[BUJPO
NBSLFU"MUIPVHIXFVUJMJ[FBOEHJWFQSJPSJUZUPNBSLFUPCTFSWBCMFJOQVUTTVDIBTJOUFSFTUSBUFTBOENBSLFUTQSFBETXJUIJOUIFTF
NPEFMTXFBSFUZQJDBMMZSFRVJSFEUPVUJMJ[FJOUFSOBMJOQVUTTVDIBTQSFQBZNFOUTQFFETBCTPMVUFQSFQBZNFOUNPEFMPS"#4HSPTT
MPTTSBOHFCZMPBOTFHNFOUQFSDFOUBHFPGSFDFJWBCMFCBMBODFMPTUJOUIFFWFOUPGEFGBVMUBOEDSFEJUTQSFBETUIFSJTLQSFNJVN
DPNQPOFOUBEEFEUPPCTFSWFECFODINBSLSBUFUPEFUFSNJOFUIFEJTDPVOUSBUFVTFEJOUIFEJTDPVOUFEDBTIGMPXNPEFM8IJMF
OVNFSPVTDPOUSPMTFYJTUUPDBMJCSBUFDPSSPCPSBUFBOEWBMJEBUFUIFTFJOUFSOBMJOQVUTUIFTFJOUFSOBMJOQVUTSFRVJSFUIFVTFPGKVEHNFOU
BOEDBOIBWFBTJHOJGJDBOUJNQBDUPOUIFEFUFSNJOBUJPOPGUIFMPBOcTWBMVF"DDPSEJOHMZXFDMBTTJGJFEBMMBVUPNPUJWFMPBOTIFMEGPS
TBMFBT-FWFMBTPG%FDFNCFS-PBOTIFMEGPSTBMFDMBTTJGJFEBT-FWFMBTPG%FDFNCFSSFQSFTFOUNPSUHBHF
5%3MPBOTWBMVFEVTJOHRVPUFEQSJDFTJOBDUJWFNBSLFUTGPSTJNJMBSBTTFUT
/PUFTUP$POTPMJEBUFE'JOBODJBM4UBUFNFOUT
"MMZ'JOBODJBM*ODd'PSN,
