Ally Bank 2015 Annual Report Download - page 62

DPOUJOVFEUPJODSFBTFUPNJMMJPOGPSUIFZFBSFOEFE%FDFNCFS8FDMPTFMZNPOJUPSNBDSPFDPOPNJDUSFOETHJWFOUIFOBUVSFPG
PVSCVTJOFTTBOEUIFQPUFOUJBMFDPOPNJDJNQBDUTPOPVSDSFEJUSJTL8FDPOUJOVFUPCFDBVUJPVTXJUIUIFFDPOPNJDPVUMPPLHJWFODPOUJOVFE
XFBLHMPCBMFDPOPNJDHSPXUIBOEQPUFOUJBMGPSIJHIFSJOUFSFTUSBUFTMBUFSJO
0OCBMBODF4IFFU1PSUGPMJP
0VSPOCBMBODFTIFFUQPSUGPMJPJODMVEFTCPUIGJOBODFSFDFJWBCMFTBOEMPBOTBOEMPBOTIFMEGPSTBMF"U%FDFNCFSUIJTQSJNBSJMZ
JODMVEFECJMMJPOPGBVUPNPUJWFGJOBODFSFDFJWBCMFTBOEMPBOTBOECJMMJPOPGNPSUHBHFGJOBODFSFDFJWBCMFTBOEMPBOT8JUIJOPVSPO
CBMBODFTIFFUQPSUGPMJPXFNBZFMFDUUPBDDPVOUGPSDFSUBJONPSUHBHFMPBOTBUGBJSWBMVF$IBOHFTJOUIFGBJSWBMVFPGMPBOTBSFDMBTTJGJFEBT
HBJOPONPSUHBHFBOEBVUPNPUJWFMPBOTOFUJOUIF$POTPMJEBUFE4UBUFNFOUPG*ODPNF0VS.PSUHBHFPQFSBUJPOTBSFMJNJUFEUPUIF
NBOBHFNFOUPGPVSIFMEGPSJOWFTUNFOUNPSUHBHFMPBOQPSUGPMJPBOEJODMVEFTUIFFYFDVUJPOPGCVMLQVSDIBTFTPGIJHIRVBMJUZKVNCPBOE-.*
NPSUHBHFMPBOTPSJHJOBUFECZUIJSEQBSUJFT8FFYQFDUUIJTBDUJWJUZUPDPOUJOVFJOJOTVQQPSUPGPVSUSFBTVSZ"-.BDUJWJUJFTBOE
EJWFSTJGJDBUJPO8FBMTPQMBOUPJOUSPEVDFMJNJUFEEJSFDUNPSUHBHFPSJHJOBUJPOTJOMBUF
5IFGPMMPXJOHUBCMFQSFTFOUTPVSUPUBMPOCBMBODFTIFFUDPOTVNFSBOEDPNNFSDJBMGJOBODFSFDFJWBCMFTBOEMPBOT
0VUTUBOEJOH /POQFSGPSNJOHB
"DDSVJOHQBTUEVF
EBZTPSNPSF
%FDFNCFSJONJMMJPOT      
$POTVNFS
'JOBODFSFDFJWBCMFTBOEMPBOT
-PBOTBUHSPTTDBSSZJOHWBMVF     ae
-PBOTBUGBJSWBMVF aaeee
5PUBMGJOBODFSFDFJWBCMFTBOEMPBOT     ae
-PBOTIFMEGPSTBMF a aae
5PUBMDPOTVNFSMPBOTC     ae
$PNNFSDJBM
'JOBODFSFDFJWBCMFTBOEMPBOTBUHSPTTDBSSZJOHWBMVF     ae
-PBOTIFMEGPSTBMF   aeae
5PUBMDPNNFSDJBMMPBOT     ae
5PUBMPOCBMBODFTIFFUMPBOT     ae
B *ODMVEFTOPOBDDSVBM5%3MPBOTPGNJMMJPOBOENJMMJPOBU%FDFNCFSBOE%FDFNCFSSFTQFDUJWFMZ
C *ODMVEFTPVUTUBOEJOH$4(MPBOTPGCJMMJPOBOECJMMJPOBU%FDFNCFSBOE%FDFNCFSSFTQFDUJWFMZBOE37MPBOTPGCJMMJPO
BOECJMMJPOBU%FDFNCFSBOE%FDFNCFSSFTQFDUJWFMZ
5PUBMPOCBMBODFTIFFUMPBOTPVUTUBOEJOHBU%FDFNCFSJODSFBTFECJMMJPOUPCJMMJPOGSPN%FDFNCFS
SFGMFDUJOHBOJODSFBTFPGCJMMJPOJOUIFDPOTVNFSQPSUGPMJPBOEBOJODSFBTFPGCJMMJPOJOUIFDPNNFSDJBMQPSUGPMJP5IFJODSFBTFJO
DPOTVNFSPOCBMBODFTIFFUMPBOTXBTQSJNBSJMZESJWFOCZBVUPNPUJWFPSJHJOBUJPOTXIJDIPVUQBDFEQPSUGPMJPSVOPGGQBSUJBMMZPGGTFUCZBOPGG
CBMBODFTIFFUTFDVSJUJ[BUJPOBOEXIPMFMPBOTBMFTUPUBMJOHCJMMJPOEVSJOHUIFZFBSFOEFE%FDFNCFS*OBEEJUJPOXFFYFDVUFE
CVMLQVSDIBTFTPGIJHIRVBMJUZKVNCPNPSUHBHFMPBOTPSJHJOBUFECZUIJSEQBSUJFTUPUBMJOHCJMMJPOEVSJOHUIFZFBSFOEFE%FDFNCFS
XIJDIPVUQBDFENPSUHBHFQPSUGPMJPSVOPGG5IFJODSFBTFJODPNNFSDJBMPOCBMBODFTIFFUMPBOTPVUTUBOEJOHXBTQSJNBSJMZEVFUPUIF
HSPXUIPGXIPMFTBMFGMPPSQMBOGJOBODFSFDFJWBCMFTBOEBVUPNPUJWFEFBMFSUFSNMPBOT
5PUBM5%3TPVUTUBOEJOHBU%FDFNCFSEFDSFBTFENJMMJPOGSPN%FDFNCFSQSJNBSJMZEVFUPTBMFTPGDPOTVNFS
NPSUHBHF5%3MPBOTGSPNUIFIFMEGPSTBMFQPSUGPMJPEVSJOHUIFZFBSFOEFE%FDFNCFS3FGFSUP/PUFUPUIF$POTPMJEBUFE'JOBODJBM
4UBUFNFOUTGPSBEEJUJPOBMJOGPSNBUJPO
5PUBMOPOQFSGPSNJOHMPBOTBU%FDFNCFSJODSFBTFENJMMJPOUPNJMMJPOGSPN%FDFNCFSSFGMFDUJOHBOJODSFBTF
PGNJMMJPOPGDPOTVNFSOPOQFSGPSNJOHMPBOTQBSUJBMMZPGGTFUCZBEFDSFBTFPGNJMMJPOPGDPNNFSDJBMOPOQFSGPSNJOHMPBOT5IF
JODSFBTFJOUPUBMOPOQFSGPSNJOHMPBOTGSPN%FDFNCFSXBTEVFUPHSPXUIJOUIFDPOTVNFSBVUPNPUJWFQPSUGPMJPBOEUIFDIBOHFJO
PVSDPOTVNFSBVUPNPUJWFQPSUGPMJPDPNQPTJUJPOBTXFDPOUJOVFEUIFFYFDVUJPOPGPVSVOEFSXSJUJOHTUSBUFHZUPFYQBOEPVSPSJHJOBUJPOTBDSPTT
BCSPBESJTLTQFDUSVN/POQFSGPSNJOHMPBOTJODMVEFGJOBODFSFDFJWBCMFTBOEMPBOTPOOPOBDDSVBMTUBUVTXIFOUIFQSJODJQBMPSJOUFSFTUIBT
CFFOEFMJORVFOUGPSEBZTPSXIFOGVMMDPMMFDUJPOJTOPUFYQFDUFE3FGFSUP/PUFUPUIF$POTPMJEBUFE'JOBODJBM4UBUFNFOUTGPSBEEJUJPOBM
JOGPSNBUJPO
.BOBHFNFOUT%JTDVTTJPOBOE"OBMZTJT
"MMZ'JOBODJBM*ODd'PSN,
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