Large U.S. automotive-finance platform that benefits from an extensive set of dealer relationships Concentrated strategic orientation backed by industry expertise Stability and oversight associated with bank franchise and bank holding company status Strong capital position Monoline exposure to the competitive and cyclical U.S. auto finance sector Historical reliance on GM and Chrysler customers, dealers, and products Modest core earnings capacity Standard&Poor's Ratings Services' ratings on Ally Financial Inc. (formerly GMAC Inc.) reflect our assessment of the company's strong core U.S. auto finance franchise, and its status as a bank holding company subject to capital standards and ongoing oversight. Counterbalancing these positive factors, in our view, are its monoline exposure to the competitive and cyclical U.S. auto finance sector
