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Filing tables
Filing exhibits
- 10-K Annual report
- 10.1 Form of ALLY Financial Inc. 2018 Executive Performance Plan
- 10.2 Form of ALLY Financial Inc. 2017 Incentive Compensation Plan
- 10.4 Form of ALLY Financial Inc. 2017 Non-employee Directors Equity Compensation Plan
- 10.6 ALLY Financial Inc. Non-employee Directors Deferred Compensation Plan
- 10.7 Form of Award Agreement Related to the Issuance of Performance Stock Units
- 10.8 Form of Award Agreement Related to the Issuance of Restricted Stock Units
- 10.9 Form of Award Agreement Related to the Issuance of Key Contributor Stock Units
- 10.11 Form of Award Agreement Related to the Issuance of Restricted Stock Awards
- 12 Computation of Ratio of Earnings to Fixed Charges
- 21 ALLY Financial Inc. Subsidiaries As of December 31, 2017
- 23.1 Consent of Independent Registered Public Accounting Firm
- 31.1 Certification of Principal Executive Officer Pursuant to Rule 13A-14(A)/15D-14(A
- 31.2 Certification of Principal Financial Officer Pursuant to Rule 13A-14(A)/15D-14(A
- 32 Certification of Principal Executive Officer and Principal Financial Officer Pur
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Exhibit 12
Ally Financial Inc.
Ratio of Earnings to Fixed Charges
Year ended December 31, ($ in millions) | 2017 (a) | 2016 (a) | 2015 (a) | 2014 (a) | 2013 (a) | ||||||||||
Earnings | |||||||||||||||
Consolidated net income from continuing operations | $ | 926 | $ | 1,111 | $ | 897 | $ | 925 | $ | 416 | |||||
Income tax expense (benefit) from continuing operations | 581 | 470 | 496 | 321 | (59 | ) | |||||||||
Equity-method investee earnings | (14 | ) | (18 | ) | (52 | ) | (18 | ) | (15 | ) | |||||
Consolidated income from continuing operations before income taxes, minority interest, and income from equity investees | 1,493 | 1,563 | 1,341 | 1,228 | 342 | ||||||||||
Fixed charges | 2,878 | 2,641 | 2,460 | 2,826 | 3,344 | ||||||||||
Earnings available for fixed charges | $ | 4,371 | $ | 4,204 | $ | 3,801 | $ | 4,054 | $ | 3,686 | |||||
Fixed charges | |||||||||||||||
Interest, discount, and issuance expense on debt | $ | 2,862 | $ | 2,624 | $ | 2,443 | $ | 2,810 | $ | 3,330 | |||||
Portion of rentals representative of the interest factor | 16 | 17 | 17 | 16 | 15 | ||||||||||
Total fixed charges | $ | 2,878 | $ | 2,641 | $ | 2,460 | $ | 2,826 | $ | 3,345 | |||||
Ratio of earnings to fixed charges | 1.52 | 1.59 | 1.55 | 1.43 | 1.10 |
(a) | For all periods presented, the operating results of our discontinued operations have been removed from continuing operations. We report these businesses separately as discontinued operations in the Consolidated Financial Statements. Our discontinued operations relate to previous discontinued operations in our Automotive Finance operations, Insurance operations, and Corporate Finance operating segments, and other operations for which we continue to have wind-down, legal, and minimal operational costs. Refer to Note 3 to the Consolidated Financial Statements for further discussion of our discontinued operations. All reported periods of the calculation of the ratio of earnings to fixed charges exclude discontinued operations. |