Ally Bank 2012 Annual Report Download - page 68
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66
The following table presents the percentage of total commercial real estate finance receivables and loans by geographic region and
property type. These finance receivables and loans are reported at carrying value before allowance for loan losses.
December 31, 2012 2011
Geographic region
Texas 13.0% 12.4%
Michigan 12.6 14.1
Florida 11.7 12.4
California 9.3 9.3
New York 4.9 3.5
Virginia 3.9 4.1
North Carolina 3.9 2.1
Pennsylvania 3.3 2.9
Georgia 3.0 2.5
Tennessee 2.3 1.8
Other United States 32.1 28.3
Foreign —6.6
Total commercial real estate finance receivables and loans 100.0% 100.0%
Property type
Automotive dealers 100.0% 99.4%
Other —0.6
Total commercial real estate finance receivables and loans 100.0% 100.0%
Commercial Criticized Exposure
Finance receivables and loans classified as special mention, substandard, or doubtful are deemed criticized. These classifications are
based on regulatory definitions and generally represent finance receivables and loans within our portfolio that have a higher default risk or
have already defaulted. These finance receivables and loans require additional monitoring and review including specific actions to mitigate
our potential economic loss.
The following table presents the percentage of total commercial criticized finance receivables and loans by industry concentrations.
These finance receivables and loans are reported at carrying value before allowance for loan losses.
December 31, 2012 2011
Industry
Automotive 85.7% 82.9%
Manufacturing 5.5 1.8
Services 4.9 1.9
Other 3.9 13.4
Total commercial criticized finance receivables and loans 100.0% 100.0%
Total criticized exposures declined $1.4 billion to $1.7 billion at December 31, 2012 from December 31, 2011, primarily due to the
reclassification of foreign Automotive Finance operations to discontinued operations as well as improvements in dealer financial condition
within the domestic automotive industry. The increase in our automotive criticized concentration rate was driven primarily by the decrease in
overall criticized outstandings.
Table of Contents
Management's Discussion and Analysis
Ally Financial Inc. • Form 10-K