Ally Bank 2015 Annual Report Download - page 64

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EVFUPUIFFYFDVUJPOPGCVMLMPBOQVSDIBTFTXIJDIPVUQBDFEQPSUGPMJPSVOPGG3FGFSUP/PUFUPUIF$POTPMJEBUFE'JOBODJBM4UBUFNFOUTGPS
BEEJUJPOBMJOGPSNBUJPO
5PUBMDPOTVNFSOPOQFSGPSNJOHGJOBODFSFDFJWBCMFTBOEMPBOTBU%FDFNCFSJODSFBTFENJMMJPOUPNJMMJPOGSPN
%FDFNCFSSFGMFDUJOHBOJODSFBTFPGNJMMJPOPGDPOTVNFSBVUPNPUJWFGJOBODFSFDFJWBCMFTBOEMPBOTBOEBEFDSFBTFPGNJMMJPO
PGDPOTVNFSNPSUHBHFOPOQFSGPSNJOHGJOBODFSFDFJWBCMFTBOEMPBOT5IFJODSFBTFJOOPOQFSGPSNJOHDPOTVNFSBVUPNPUJWFGJOBODFSFDFJWBCMFT
BOEMPBOTXBTEVFUPHSPXUIJOUIFQPSUGPMJPBOEUIFDIBOHFJOPVSQPSUGPMJPDPNQPTJUJPOBTXFDPOUJOVFEUIFFYFDVUJPOPGPVSVOEFSXSJUJOH
TUSBUFHZUPFYQBOEPVSPSJHJOBUJPOTBDSPTTBCSPBESJTLTQFDUSVN5IFEFDSFBTFJOOPOQFSGPSNJOHDPOTVNFSNPSUHBHFGJOBODFSFDFJWBCMFTBOE
MPBOTXBTQSJNBSJMZEVFUPGFXFSBDDPVOUTEFUFSJPSBUJOHJOUPOPOQFSGPSNJOHTUBUVTEVFUPDPOUJOVFEJNQSPWFNFOUJOUIFNBDSPFDPOPNJD
FOWJSPONFOU3FGFSUP/PUFUPUIF$POTPMJEBUFE'JOBODJBM4UBUFNFOUTGPSBEEJUJPOBMJOGPSNBUJPO/POQFSGPSNJOHDPOTVNFSGJOBODF
SFDFJWBCMFTBOEMPBOTBTBQFSDFOUBHFPGUPUBMPVUTUBOEJOHDPOTVNFSGJOBODFSFDFJWBCMFTBOEMPBOTXFSFBOEBU%FDFNCFS
BOE%FDFNCFSSFTQFDUJWFMZ
$POTVNFSBVUPNPUJWFMPBOTBDDSVJOHBOEQBTUEVFEBZTPSNPSFJODSFBTFENJMMJPOUPCJMMJPOBU%FDFNCFS
DPNQBSFEXJUI%FDFNCFSQSJNBSJMZEVFUPQPSUGPMJPHSPXUIBOEUIFDIBOHFJOPVSQPSUGPMJPDPNQPTJUJPOBTXFDPOUJOVFEUIF
FYFDVUJPOPGPVSVOEFSXSJUJOHTUSBUFHZUPFYQBOEPVSPSJHJOBUJPOTBDSPTTBCSPBESJTLTQFDUSVN
5IFGPMMPXJOHUBCMFJODMVEFTDPOTVNFSOFUDIBSHFPGGTGSPNGJOBODFSFDFJWBCMFTBOEMPBOTBUHSPTTDBSSZJOHWBMVFBOESFMBUFESBUJPT
/FUDIBSHFPGGT /FUDIBSHFPGGSBUJPTB
:FBSFOEFE%FDFNCFSJONJMMJPOT   
$POTVNFSBVUPNPUJWF   
$POTVNFSNPSUHBHF    
5PUBMDPOTVNFSGJOBODFSFDFJWBCMFTBOEMPBOT   
B /FUDIBSHFPGGSBUJPTBSFDBMDVMBUFEBTOFUDIBSHFPGGTEJWJEFECZBWFSBHFPVUTUBOEJOHGJOBODFSFDFJWBCMFTBOEMPBOTFYDMVEJOHMPBOTNFBTVSFEBUGBJSWBMVF
BOEMPBOTIFMEGPSTBMFEVSJOHUIFZFBSGPSFBDIMPBODBUFHPSZ
0VSOFUDIBSHFPGGTGSPNUPUBMDPOTVNFSGJOBODFSFDFJWBCMFTBOEMPBOTXFSFNJMMJPOGPSUIFZFBSFOEFE%FDFNCFS
DPNQBSFEUPNJMMJPOGPSUIFZFBSFOEFE%FDFNCFS5IFJODSFBTFXBTESJWFOQSJNBSJMZCZDPOTVNFSBVUPNPUJWFQPSUGPMJP
HSPXUIBOEUIFDIBOHFJOPVSBVUPNPUJWFQPSUGPMJPDPNQPTJUJPOBTXFDPOUJOVFEUIFFYFDVUJPOPGPVSVOEFSXSJUJOHTUSBUFHZUPPSJHJOBUF
DPOTVNFSBVUPNPUJWFBTTFUTBDSPTTBCSPBESJTLTQFDUSVN
5IFGPMMPXJOHUBCMFTVNNBSJ[FTUIFVOQBJEQSJODJQBMCBMBODFPGUPUBMDPOTVNFSMPBOPSJHJOBUJPOTGPSUIFQFSJPETTIPXO5PUBMDPOTVNFS
MPBOPSJHJOBUJPOTJODMVEFMPBOTDMBTTJGJFEBTGJOBODFSFDFJWBCMFTBOEMPBOTBOEMPBOTIFMEGPSTBMFEVSJOHUIFQFSJPE
:FBSFOEFE%FDFNCFSJONJMMJPOT 
$POTVNFSBVUPNPUJWFB  
$POTVNFSNPSUHBHF e
5PUBMDPOTVNFSMPBOPSJHJOBUJPOT  
B *ODMVEFTCJMMJPOPGMPBOTPSJHJOBUFEBTIFMEGPSTBMFEVSJOHUIFGJSTURVBSUFSPG
5PUBMBVUPNPUJWFPSJHJOBUFEMPBOTJODSFBTFECJMMJPOGPSUIFZFBSFOEFE%FDFNCFSDPNQBSFEUP5IFJODSFBTFXBT
QSJNBSJMZEVFUP(SPXUIBOE$ISZTMFSPSJHJOBUJPOT
.BOBHFNFOUT%JTDVTTJPOBOE"OBMZTJT
"MMZ'JOBODJBM*ODd'PSN,
