Ally Bank 2012 Annual Report Download - page 99

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Allowance for Loan Losses by Type
The following table summarizes the allocation of the allowance for loan losses by product type.
2012 2011 2010 2009 2008
December 31, ($ in millions)Amount % of
total Amount % of
total Amount % of total Amount % of total Amount % of total
Consumer
Domestic
Consumer automobile $ 575 49.2 $ 600 39.9 $ 769 41.0 $ 772 31.6 $ 1,115 32.5
Consumer mortgage
1st Mortgage 245 20.9 275 18.3 322 17.2 387 15.8 525 15.3
Home equity 207 17.7 237 15.8 256 13.7 251 10.3 177 5.2
Total domestic 1,027 87.8 1,112 74.0 1,347 71.9 1,410 57.7 1,817 53.0
Foreign
Consumer automobile — — 166 11.1 201 10.7 252 10.2 279 8.1
Consumer mortgage
1st Mortgage — — 4 0.2 2 0.1 2 0.1 409 11.9
Home equity — — — — — — — — 31 0.9
Total foreign — — 170 11.3 203 10.8 254 10.3 719 20.9
Total consumer loans 1,027 87.8 1,282 85.3 1,550 82.7 1,664 68.0 2,536 73.9
Commercial
Domestic
Commercial and industrial
Automobile 55 4.7 62 4.0 73 3.9 157 6.4 178 5.2
Mortgage — — 1 0.1 — — 10 0.4 93 2.7
Other 48 4.1 52 3.5 97 5.2 322 13.2 65 1.9
Commercial real estate
Automobile 40 3.4 39 2.6 54 2.9 — — — —
Mortgage — — — — — — 54 2.2 458 13.3
Total domestic 143 12.2 154 10.2 224 12.0 543 22.2 794 23.1
Foreign
Commercial and industrial
Automobile — — 48 3.2 33 1.7 54 2.2 45 1.3
Mortgage — — 10 0.7 12 0.7 20 0.8 3 0.1
Other — — 1 0.1 39 2.1 111 4.6 9 0.3
Commercial real estate
Automobile — — 3 0.2 2 0.1 — — — —
Mortgage — — 5 0.3 13 0.7 53 2.2 46 1.3
Total foreign — — 67 4.5 99 5.3 238 9.8 103 3.0
Total commercial loans 143 12.2 221 14.7 323 17.3 781 32.0 897 26.1
Total allowance for loan losses $ 1,170 100.0 $ 1,503 100.0 $ 1,873 100.0 $ 2,445 100.0 $ 3,433 100.0
Table of Contents
Management's Discussion and Analysis
Ally Financial Inc. • Form 10-K