Ally Bank 2015 Annual Report Download - page 92
Download and view the complete annual report
Please find page 92 of the 2015 Ally Bank annual report below. You can navigate through the pages in the report by either clicking on the pages listed below, or by using the keyword search tool below to find specific information within the annual report.5PUIF#PBSEPG%JSFDUPSTBOE4IBSFIPMEFSTPG"MMZ'JOBODJBM*OD
8FIBWFBVEJUFEUIFJOUFSOBMDPOUSPMPWFSGJOBODJBMSFQPSUJOHPG"MMZ'JOBODJBM*ODBOETVCTJEJBSJFTUIFa$PNQBOZbBTPG%FDFNCFS
CBTFEPOUIFDSJUFSJBFTUBCMJTIFEJO*OUFSOBM$POUSPM`*OUFHSBUFE'SBNFXPSLJTTVFECZUIF$PNNJUUFFPG4QPOTPSJOH
0SHBOJ[BUJPOTPGUIF5SFBEXBZ$PNNJTTJPO5IF$PNQBOZTNBOBHFNFOUJTSFTQPOTJCMFGPSNBJOUBJOJOHFGGFDUJWFJOUFSOBMDPOUSPMPWFS
GJOBODJBMSFQPSUJOHBOEGPSJUTBTTFTTNFOUPGUIFFGGFDUJWFOFTTPGJOUFSOBMDPOUSPMPWFSGJOBODJBMSFQPSUJOHJODMVEFEJOUIFBDDPNQBOZJOH
.BOBHFNFOUT3FQPSUPO*OUFSOBM$POUSPMPWFS'JOBODJBM3FQPSUJOH0VSSFTQPOTJCJMJUZJTUPFYQSFTTBOPQJOJPOPOUIF$PNQBOZTJOUFSOBM
DPOUSPMPWFSGJOBODJBMSFQPSUJOHCBTFEPOPVSBVEJU
8FDPOEVDUFEPVSBVEJUJOBDDPSEBODFXJUIUIFTUBOEBSETPGUIF1VCMJD$PNQBOZ"DDPVOUJOH0WFSTJHIU#PBSE6OJUFE4UBUFT5IPTF
TUBOEBSETSFRVJSFUIBUXFQMBOBOEQFSGPSNUIFBVEJUUPPCUBJOSFBTPOBCMFBTTVSBODFBCPVUXIFUIFSFGGFDUJWFJOUFSOBMDPOUSPMPWFSGJOBODJBM
SFQPSUJOHXBTNBJOUBJOFEJOBMMNBUFSJBMSFTQFDUT0VSBVEJUJODMVEFEPCUBJOJOHBOVOEFSTUBOEJOHPGJOUFSOBMDPOUSPMPWFSGJOBODJBMSFQPSUJOH
BTTFTTJOHUIFSJTLUIBUBNBUFSJBMXFBLOFTTFYJTUTUFTUJOHBOEFWBMVBUJOHUIFEFTJHOBOEPQFSBUJOHFGGFDUJWFOFTTPGJOUFSOBMDPOUSPMCBTFEPO
UIFBTTFTTFESJTLBOEQFSGPSNJOHTVDIPUIFSQSPDFEVSFTBTXFDPOTJEFSFEOFDFTTBSZJOUIFDJSDVNTUBODFT8FCFMJFWFUIBUPVSBVEJUQSPWJEFTB
SFBTPOBCMFCBTJTGPSPVSPQJOJPO
"DPNQBOZTJOUFSOBMDPOUSPMPWFSGJOBODJBMSFQPSUJOHJTBQSPDFTTEFTJHOFECZPSVOEFSUIFTVQFSWJTJPOPGUIFDPNQBOZTQSJODJQBM
FYFDVUJWFBOEQSJODJQBMGJOBODJBMPGGJDFSTPSQFSTPOTQFSGPSNJOHTJNJMBSGVODUJPOTBOEFGGFDUFECZUIFDPNQBOZTCPBSEPGEJSFDUPST
NBOBHFNFOUBOEPUIFSQFSTPOOFMUPQSPWJEFSFBTPOBCMFBTTVSBODFSFHBSEJOHUIFSFMJBCJMJUZPGGJOBODJBMSFQPSUJOHBOEUIFQSFQBSBUJPOPG
GJOBODJBMTUBUFNFOUTGPSFYUFSOBMQVSQPTFTJOBDDPSEBODFXJUIHFOFSBMMZBDDFQUFEBDDPVOUJOHQSJODJQMFT"DPNQBOZTJOUFSOBMDPOUSPMPWFS
GJOBODJBMSFQPSUJOHJODMVEFTUIPTFQPMJDJFTBOEQSPDFEVSFTUIBUQFSUBJOUPUIFNBJOUFOBODFPGSFDPSETUIBUJOSFBTPOBCMFEFUBJMBDDVSBUFMZ
BOEGBJSMZSFGMFDUUIFUSBOTBDUJPOTBOEEJTQPTJUJPOTPGUIFBTTFUTPGUIFDPNQBOZQSPWJEFSFBTPOBCMFBTTVSBODFUIBUUSBOTBDUJPOTBSF
SFDPSEFEBTOFDFTTBSZUPQFSNJUQSFQBSBUJPOPGGJOBODJBMTUBUFNFOUTJOBDDPSEBODFXJUIHFOFSBMMZBDDFQUFEBDDPVOUJOHQSJODJQMFTBOEUIBU
SFDFJQUTBOEFYQFOEJUVSFTPGUIFDPNQBOZBSFCFJOHNBEFPOMZJOBDDPSEBODFXJUIBVUIPSJ[BUJPOTPGNBOBHFNFOUBOEEJSFDUPSTPGUIF
DPNQBOZBOEQSPWJEFSFBTPOBCMFBTTVSBODFSFHBSEJOHQSFWFOUJPOPSUJNFMZEFUFDUJPOPGVOBVUIPSJ[FEBDRVJTJUJPOVTFPSEJTQPTJUJPOPGUIF
DPNQBOZTBTTFUTUIBUDPVMEIBWFBNBUFSJBMFGGFDUPOUIFGJOBODJBMTUBUFNFOUT
#FDBVTFPGUIFJOIFSFOUMJNJUBUJPOTPGJOUFSOBMDPOUSPMPWFSGJOBODJBMSFQPSUJOHJODMVEJOHUIFQPTTJCJMJUZPGDPMMVTJPOPSJNQSPQFS
NBOBHFNFOUPWFSSJEFPGDPOUSPMTNBUFSJBMNJTTUBUFNFOUTEVFUPFSSPSPSGSBVENBZOPUCFQSFWFOUFEPSEFUFDUFEPOBUJNFMZCBTJT"MTP
QSPKFDUJPOTPGBOZFWBMVBUJPOPGUIFFGGFDUJWFOFTTPGUIFJOUFSOBMDPOUSPMPWFSGJOBODJBMSFQPSUJOHUPGVUVSFQFSJPETBSFTVCKFDUUPUIFSJTLUIBU
UIFDPOUSPMTNBZCFDPNFJOBEFRVBUFCFDBVTFPGDIBOHFTJODPOEJUJPOTPSUIBUUIFEFHSFFPGDPNQMJBODFXJUIUIFQPMJDJFTPSQSPDFEVSFTNBZ
EFUFSJPSBUF
*OPVSPQJOJPOUIF$PNQBOZNBJOUBJOFEJOBMMNBUFSJBMSFTQFDUTFGGFDUJWFJOUFSOBMDPOUSPMPWFSGJOBODJBMSFQPSUJOHBTPG%FDFNCFS
CBTFEPOUIFDSJUFSJBFTUBCMJTIFEJO*OUFSOBM$POUSPM`*OUFHSBUFE'SBNFXPSLJTTVFECZUIF$PNNJUUFFPG4QPOTPSJOH
0SHBOJ[BUJPOTPGUIF5SFBEXBZ$PNNJTTJPO
8FIBWFBMTPBVEJUFEJOBDDPSEBODFXJUIUIFTUBOEBSETPGUIF1VCMJD$PNQBOZ"DDPVOUJOH0WFSTJHIU#PBSE6OJUFE4UBUFTUIF
DPOTPMJEBUFEGJOBODJBMTUBUFNFOUTBTPGBOEGPSUIFZFBSFOEFE%FDFNCFSPGUIF$PNQBOZBOEPVSSFQPSUEBUFE'FCSVBSZ
FYQSFTTFEBOVORVBMJGJFEPQJOJPOPOUIPTFDPOTPMJEBUFEGJOBODJBMTUBUFNFOUT
4%&-0*55&506$)&--1
%FMPJUUF5PVDIF--1
%FUSPJU.JDIJHBO
'FCSVBSZ
3FQPSUPG*OEFQFOEFOU3FHJTUFSFE1VCMJD"DDPVOUJOH'JSN