Large automotive-finance platform that benefits from relationships with GM and Chrysler Bank holding company status Modest core earnings capacity Heavy reliance on GM and Chrysler customers, dealers, and products Legal and regulatory risks in its mortgage business Standard&Poor's Ratings Services' ratings on Ally Financial Inc. (formerly GMAC Inc.) reflect the company's heavy reliance on the customers, dealers, and products of General Motors Co. and Chrysler Corp., its modest core earnings, and the legal and regulatory risks in its mortgage business. The company's large automotive-finance platform and its status as a bank holding company support the rating. Ally continues to work through the considerable challenges of transitioning from its former role as a nonbank finance company to an independent
