Ally Financial Inc. (Ally) has made good progress diversifying its automotive finance origination channels while maintaining good asset performance, strong capital adequacy, and continuing to grow its deposit base. We are revising our outlook on Ally to positive from stable, and we are affirming our 'BB+/B' issuer credit ratings. The positive outlook reflects our view that we could raise the ratings if over the next 12 months Ally maintains a Standard&Poor's risk-adjusted capital ratio above 10.0%, continues to improve profitability, and maintains its good asset performance while diversifying its origination channels. On Oct. 21, 2015, Standard&Poor's Ratings Services revised its outlook on Ally Financial Inc. to positive from stable. At the same time, we affirmed our
