-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, Vup5Egoprd+5jv+V76p+yp7RwcFCWG121jvjj5JKSzfmflwNGplEdnIkJAqiCg9t w2cSq508N4bIzEhJJqh8sQ== 0000950137-07-016363.txt : 20071101 0000950137-07-016363.hdr.sgml : 20071101 20071101114550 ACCESSION NUMBER: 0000950137-07-016363 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 22 CONFORMED PERIOD OF REPORT: 20071101 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20071101 DATE AS OF CHANGE: 20071101 FILER: COMPANY DATA: COMPANY CONFORMED NAME: RESIDENTIAL CAPITAL, LLC CENTRAL INDEX KEY: 0001332815 STANDARD INDUSTRIAL CLASSIFICATION: MORTGAGE BANKERS & LOAN CORRESPONDENTS [6162] IRS NUMBER: 201770738 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-51438 FILM NUMBER: 071205422 BUSINESS ADDRESS: STREET 1: 8400 NORMANDALE LAKE BOULEVARD CITY: MINNEAPOLIS STATE: MN ZIP: 55437 BUSINESS PHONE: 952-857-8700 MAIL ADDRESS: STREET 1: 8400 NORMANDALE LAKE BOULEVARD CITY: MINNEAPOLIS STATE: MN ZIP: 55437 FORMER COMPANY: FORMER CONFORMED NAME: RESIDENTIAL CAPITAL CORP DATE OF NAME CHANGE: 20050712 8-K 1 c21110e8vk.htm CURRENT REPORT e8vk
 

 
 
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
November 1, 2007
(Date of report; date of
earliest event reported)
Commission file number: 0-51438
RESIDENTIAL CAPITAL, LLC
(Exact name of registrant as specified in its charter)
     
Delaware   20-1770738
(State or other jurisdiction of   (I.R.S. Employer
incorporation or organization)   Identification No.)
8400 Normandale Lake Boulevard
Minneapolis, Minnesota
55437

(Address of principal executive offices)
(Zip Code)
(952) 857-8700
(Registrant’s telephone number, including area code)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):
o   Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
o   Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
o   Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
o   Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
 
 

 


 

Item 2.02 Results of Operation and Financial Condition
On November 1, 2007, Residential Capital, LLC (ResCap) announced operating results for the third quarter ended September 30, 2007. The announcement is attached hereto and incorporated by reference as Exhibit 99.1.
Charts furnished to securities analysts in connection with ResCap’s third quarter 2007 earnings announcement are attached hereto and incorporated by reference as Exhibit 99.2.
Item 9.01 Financial Statements and Exhibits
     
Exhibit No.   Description
99.1
  Announcement, Dated November 1, 2007
99.2
  Charts Furnished to Securities Analysts

 


 

SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
         
 
RESIDENTIAL CAPITAL, LLC
(Registrant)
 
 
Dated: November 1, 2007  /s/ Sanjiv Khattri    
  Sanjiv Khattri   
  Chief Financial Officer   
 

 


 

EXHIBIT INDEX
     
Exhibit No.   Description
99.1
  Announcement, Dated November 1, 2007
99.2
  Charts Furnished to Securities Analysts

 

EX-99.1 2 c21110exv99w1.htm ANNOUNCEMENT exv99w1
 

Exhibit 99.1
For Release: Thurs., Nov. 1, 2007, 10:30 a.m. EDT
Residential Capital, LLC Reports Preliminary
Third Quarter 2007 Financial Results
Residential Capital, LLC (ResCap) reported a loss and improved liquidity from the prior quarter
    ResCap net loss of $2.3 billion
    Results include $455 million goodwill impairment
    Cash and marketable securities increased to $6.5 billion on Sept. 30, 2007
    Including $2.2 billion held at GMAC Bank.
NEW YORK — ResCap incurred a net loss of $2.3 billion for the quarter, compared to net income of $83 million in the third quarter of 2006. ResCap’s U.S. residential mortgage earnings deteriorated sharply as a result of: i) higher provision for credit losses; ii) mark-to-market adjustments on trading securities and mortgage loans held for sale; iii) tighter margins on the sale of mortgage loans; iv) a decrease in net financing revenue driven by higher borrowing costs; and v) lower production levels. Additionally, the reported net income for the quarter includes a non-cash $455 million goodwill impairment.
                         
Third Quarter Net Income (Loss)                  
($in millions, net of tax)                  
    2007     2006     Change  
Operating Income
    (1,806 )     83       (1,889 )
 
Goodwill Impairment
    (455 )                
 
Net Income (Loss)
    ($2,261 )   $ 83       ($2,344 )
 
 
*   Operating income represents net income/loss excluding the impact of goodwill impairment charges of $455 million in the third quarter of 2007

 


 

Liquidity and Capital
ResCap significantly strengthened its liquidity position in the third quarter. ResCap cash and certain marketable securities increased from $3.7 billion at the end of the second quarter to $6.5 billion on Sept. 30, 2007 – – including $2.2 billion held at GMAC Bank. ResCap took several important measures in the third quarter to augment cash balances during the capital markets turmoil. In September, GMAC established a committed secured funding facility with Citi to finance automotive, mortgage and commercial finance assets of up to $21.4 billion. A portion of this facility is available to ResCap.
In the third quarter, GMAC injected $1 billion of equity into ResCap to bolster the company’s capital base. As of Sept. 30, 2007, ResCap’s equity base stood at $6.2 billion.
Real Estate Finance
ResCap’s total revenue was depressed in the third quarter, reflecting the company’s concerted efforts to sharply curtail originations of all non-conforming product for which there was virtually no outlet in the capital markets. However, as part of ResCap’s overall restructuring plan, the company will maintain the flexibility to quickly modify its product offerings based on changing market conditions.
“We have significantly reduced our exposure to nonprime and non-conforming loans this year, but the company will selectively originate higher-margin non-conforming product as secondary market distribution becomes available,” said GMAC Chief Executive Officer Eric Feldstein. “Meanwhile, ResCap continues to avail itself of its relationship with GMAC Bank to help support its current mortgage loan production. Accordingly, ResCap remains committed to offering a broad and competitive menu of high quality products to its customers.”
ResCap’s business lending operation posted a loss for the third quarter as severely weak conditions in the housing market contributed to an increase in the number of unsold homes and higher cancellation rates for homebuilders. ResCap’s international business also experienced a loss in the third quarter as mortgage finance markets in the

2


 

U.K. and Continental Europe tightened abruptly, leading to higher cost of funds and depressed valuations on the company’s portfolio of European assets held for sale.
Restructuring
“The third quarter financial performance of ResCap is a major disappointment,” said Feldstein. “We are moving swiftly and aggressively to restructure our real estate finance business as weakness in the housing market and mortgage industry continues to prevail.”
As announced on Oct. 17, ResCap is implementing a major restructuring of its business in order to streamline operations and significantly reduce structural cost. The company will be reducing its workforce by about 25 percent, or approximately 3,000 employees, and will be rationalizing numerous facilities. This reduction in workforce is in addition to the measures undertaken in the first half of 2007, in which 2,000 positions were eliminated.
“Successful execution of these plans will be essential to restoring the mortgage business to profitability,” Feldstein continued. “This is a top priority for ResCap.”
Outlook
Looking ahead, ResCap expects that the challenges in the housing and mortgage markets will continue to prevail. Nonetheless, the company’s strengthened liquidity position and sound capital base will provide flexibility to execute its restructuring plan and right-size the businesses in line with the industry environment.
About Residential Capital, LLC:
Residential Capital, LLC (rescapholdings.com) is a leading real estate finance company focused primarily in the residential real estate market in the United States, Canada, Europe, Latin America and Australia. The company’s diversified businesses — GMAC-RFC, GMAC Mortgage, Ditech, GMAC Real Estate and Homecomings Financial — cover the spectrum of the U.S. residential finance industry, from origination and servicing of mortgage loans through their securitization in the secondary market. It also provides capital to other originators of mortgage loans, residential real estate developers and resort and timeshare developers. Residential Capital, LLC is an indirect wholly owned subsidiary of GMAC LLC.
# # #
Forward-Looking Statements
In this earnings release and comments by GMAC LLC (“GMAC”) and Residential Capital, LLC (“ResCap”) management, the use of the words “expect,” “anticipate,”

3


 

“estimate,” “forecast,” “initiative,” “objective,”“plan,” “goal,” “project,” “outlook,” “priorities,”“target,” “intend,” “evaluate,” “pursue,” “seek,”“may,” “would,” “could,” “should,” “believe,”“potential,” “continue,” or the negative of any of those words or similar expressions is intended to identify forward-looking statements. All statements herein and in related charts and management comments, other than statements of historical fact, including without limitation, statements about future events and financial performance, are forward-looking statements that involve certain risks and uncertainties.
While these statements represent our current judgment on what the future may hold, and we believe these judgments are reasonable, these statements are not guarantees of any events or financial results, and ResCap’s actual results may differ materially due to numerous important factors that are described in the most recent reports on SEC Form 10-K for ResCap, each of which may be revised or supplemented in subsequent reports on SEC Forms 10-Q and 8-K. Such factors include, among others, the following: securing low cost funding to sustain growth for ResCap;our ability to maintain an appropriate level of debt; recent developments in the residential mortgage market, especially in the nonprime sector; the impact on ResCap of the continuing decline in the U.S. housing market; changes in U.S.government -sponsored mortgage programs or disruptions in the markets in which our mortgage subsidiaries operate;changes in our contractual servicing rights; costs and risks associated with litigation; changes in our accounting assumptions that may require or that result from changes in the accounting rules or their application, which could result in an impact on earnings; changes in the credit ratings of ResCap; changes in economic conditions, currency exchange rates or political stability in the markets in which we operate; and changes in the existing or the adoption of new laws, regulations, policies or other activities of governments, agencies and similar organizations.
Investors are cautioned not to place undue reliance on forward-looking statements. ResCap undertakes no obligation to update publicly or otherwise revise any forward-looking statements, whether as a result of new information, future events or other such factors that affect the subject of these statements, except where expressly required by law.

4


 

                                 
ResCap Operations   Third Quarter     Nine Months  
    2007     2006     2007     2006  
         
Net Income ($ millions)
  $ (2,261 )   $ 83     $ (3,425 )   $ 833  
 
                               
Gain (loss) on sale of mortgage loans, net
                               
Domestic
  $ (107.1 )   $ 214.2     $ (350.5 )   $ 749.8  
International
    (462.5 )     22.6       (280.2 )     129.0  
         
Total
  $ (569.6 )   $ 236.8     $ (630.7 )   $ 878.8.0  
 
                               
Portfolio Statistics ($ billions)
                               
Loan production volume
  $ 29.3     $ 51.4     $ 101.7     $ 140.0  
Mortgage production
                               
Domestic
  $ 20.2     $ 43.9     $ 78.4     $ 120.3  
International
  $ 9.1     $ 7.5     $ 23.3     $ 19.7  
Mortgage servicing rights
  $ 5.5     $ 4.8                  
Period end servicing portfolio
  $ 465.6     $ 433.9                  
Loan servicing
                               
Domestic
  $ 427.4     $ 402.4                  
International
  $ 38.2     $ 31.5                  
 
                               
U.S. Production Mix ($ millions)
                               
Prime conforming
  $ 12.2     $ 12.0     $ 34.4     $ 32.5  
Prime non-conforming
    4.6       16.4       26.8       42.8  
Government
    1.4       0.9       5.5       2.9  
Nonprime
    0.2       8.5       4.1       23.6  
Prime second-lien
    1.8       6.1       7.6       18.5  
         
Total
  $ 20.2     $ 43.9     $ 78.4     $ 120.3  
 
                               
Asset Quality Statistics ($ millions)— ResCap Consolidated
                               
Provision for credit losses by product
                               
Mortgage loans held for investment
  $ 787.5     $ 231.7     $ 1,436.3     $ 470.5  
Lending receivables
    93.4       7.0       313.5       13.6  
Auto loans and leases
    3.3               9.8          
         
Total
  $ 884.2     $ 238.7     $ 1759.6     $ 484.1  
Allowance by product at end of period
                               
Mortgage loans held for investment
  $ 1,734.2     $ 1,088.2                  
Lending receivables
    325.9       196.1                  
Auto loans and leases
    31.3                          
                     
Total
  $ 2,091.4.8     $ 1,284.3                  
Allowance as a % of related receivables at end of period
                               
Mortgage loans held for investment
    2.85 %     1.47 %                
Lending receivables
    3.72 %     1.36 %                
Auto loans and leases
    1.42 %     0.00 %                
                     
Total
    2.92 %     1.45 %                
 
                               
Nonaccrual loans at end of period
  $ 8,993     $ 6,819                  
Nonaccrual loans as a % of related receivables at end of period
    12.93 %     7.70 %                
Total nonperforming assets ($ millions)
  $ 10,654     $ 7,753                  

5

EX-99.2 3 c21110exv99w2.htm CHARTS FURNISHED TO SECURITIES ANALYSTS exv99w2
 

Exhibit 99.2
Preliminary 2007 Third Quarter Earnings November 1, 2007 11:30 AM ET Contact ResCap Investor Relations at (888) 440-8851 or investorrelations@rescapholdings.com


 

Forward Looking Statements In this presentation and comments by GMAC LLC ("GMAC") and Residential Capital, LLC ("ResCap") management, the use of the words "expect", "anticipate", "estimate", "forecast", "initiative", "objective", "plan", "goal", "project", "outlook", "priorities", "target", "intend", "evaluate", "pursue", "seek", "may", "would", "could", "should", "believe", "potential", "continue" or the negative of any of those words or similar expressions is intended to identify forward-looking statements. All statements herein and in related charts and management comments, other than statements of historical fact, including without limitation, statements about future events and financial performance, are forward- looking statements that involve certain risks and uncertainties. While these statements represent our current judgment on what the future may hold, and we believe these judgments are reasonable, these statements are not guarantees of any events or financial results, and ResCap's actual results may differ materially due to numerous important factors that are described in the most recent reports on SEC Form 10- K for ResCap, each of which may be revised or supplemented in subsequent reports on SEC Forms 10-Q and 8-K. Such factors include, among others, the following: securing low cost funding to sustain growth for ResCap; our ability to maintain an appropriate level of debt; recent developments in the residential mortgage market, especially in the nonprime sector; the impact on ResCap of the continuing decline in the U.S. housing market; changes in U.S. government-sponsored mortgage programs or disruptions in the markets in which our mortgage subsidiaries operate; changes in our contractual servicing rights; costs and risks associated with litigation; changes in our accounting assumptions that may require or that result from changes in the accounting rules or their application, which could result in an impact on earnings; changes in the credit ratings of ResCap; changes in economic conditions, currency exchange rates or political stability in the markets in which we operate; and changes in the existing or the adoption of new laws, regulations, policies or other activities of governments, agencies and similar organizations. Investors are cautioned not to place undue reliance on forward-looking statements. ResCap undertakes no obligation to update publicly or otherwise revise any forward-looking statements, whether as a result of new information, future events or other such factors that affect the subject of these statements, except where expressly required by law. 2


 

Weakening credit and market illiquidity drove increased reserves, losses and write-downs Reduced origination volumes in response to liquidity challenges Homebuilders experienced additional stress as sales declined and cancellations increased Increased in provisions and related watch lists Abrupt credit-tightening in Europe increased funding costs and sharply depressed asset values despite stable credit performance Capital position eroded by net losses, partially offset by $1 billion equity injection Liquidity position significantly enhanced U.S. Residential Finance Business Lending ResCap - Q3 2007 Key Metrics 3 International Business Capital & Liquidity


 

ResCap - Condensed Income Statement* 4 *Income statement presentation (condensed) as it appears in GMAC's Form 10-Q ; results as they appear in ResCap's Form 10-Q can be found on page 32 of this presentation **Operating income represents net income excluding the after-tax impact of goodwill and intangible impairment charges of $455 million in Q3 2007


 

ResCap - Q3 Significant Items Domestic Mortgage results driven largely by increase in provision for loss on HFI portfolio, write- downs of HFS and trading securities, and impairment of REO International Business impacted by market liquidity issues which forced mark-to-market losses, as well as generated losses on sale of loans and write-downs of mortgage-related securities Business Lending increased provisions for loan losses, and impaired its Lot Option and Model Home inventory Concluded goodwill was impaired Resulted in the following significant charges to Q3 earnings; 5 Note: These amounts are classified according to ResCap's Income Statement presentation located on page 32 of this presentation


 

ResCap - Nonprime Risk Further reduction of nonprime across all categories Smaller HFS Q3 outstanding reflects lower originations and transfer of assets to HFI portfolio HFI runoff was offset by the transfer of assets from HFS portfolio Warehouse lending receivables dropped to $1.8 billion from $8.8 billion at the end of 2006 Warehouse Lending Receivables2 Total: $1.8 billion U.S. Loan Servicing Portfolio Total: $427.4 billion Held For Sale Total: $15.0 billion As of 9/30/07 Nonprime Prime Conforming Prime Nonconforming and Other1 1 Prime Nonconforming and Other includes Prime Nonconforming, Prime Second-Lien, and Government 2 Prime Nonconforming data is not available for Warehouse Lending Receivables 3 Total Held for Investment portfolio of $60.8 billion has been reduced by $39.0 billion of securitized loans where ResCap's economic risk is limited to net book value of $0.4 billion 6 Held For Investment (excluding Securitized) Total: $21.7 billion3 Total: $21.7 billion3 Total: $21.7 billion3


 

Illustrative Balance Sheet Excluding Certain Activities 7 Note: The table above reconciles certain components of ResCap's financial statements, as prepared in accordance with generally accepted accounting principles, to a presentation as if we excluded our on-balance sheet securitized portfolios and associated debt, and excluded activities within the Automotive Division of GMAC Bank. ResCap has no economic rights or exposures related to the Automotive Division of GMAC Bank and economic exposure to our on- balance sheet securitized portfolios was limited to approximately $0.4 billion as of September 30, 2007. This data is not intended to depict any actual or contemplated transaction and is for informational purposes only The economic exposure related to the on-balance sheet securitizations continues to decrease as presented below: *Balance sheet items as they appear in ResCap's Form 10-Q, which includes the auto division of GMAC Bank


 

During the third quarter, ResCap originated $20.2 billion Originated $185 million of nonprime product in Q3 compared to $685 million in Q2 2007 Originated $4.6 billion of prime nonconforming product in Q3 compared to $9.9 billion in Q2 2007 Total US Q3 2007 sales were $21.3 billion Focus on the Agency distribution given the market dislocation During Q3 transferred $6 billion from HFS to HFI ResCap - U.S. HFS Portfolio Q3 2007 Distribution of $21.3 billion (Issuance and whole loan sales) Q3 2007 Production of $20.2 billion Prime Conforming Prime Nonconforming Government Nonprime Prime Second-lien Non-Agency Public Securitizations Agency Non-Agency Whole Loans 8


 

ResCap U.S. Mortgage Production Proactively reduced non-conforming production as a result of diminished liquidity 9


 

ResCap -Servicing & Warehouse Lending ResCap's world-class servicing operation continues to perform well Single operation supports all loan products, brands and investors U.S. servicing portfolio increased to $427.4 billion at 9/30/07, an increase of $25 billion from 9/30/06 ResCap is the #1 subservicer in the U.S. with $52 billion subservicing portfolio as of 09/30/07 Undertaking measures to maintain quality in current stressed credit environment Added additional positions to increase capacity and avoid foreclosures Referred over 28,000 customers to Home Ownership Preservation Enterprise counseling Provided over 6,700 modifications year to date Executed over 4,500 permanent modifications Maintaining strong re-underwriting practices to ensure borrower success Warehouse lending receivables fell to $1.8 billion at 9/30/2007, compared to $8.8 billion at the end of 2006 Nonprime exposure declined to $200 million at 9/30/2007, compared to $2.4 billion at the end of 2006 In the process of shifting warehouse lending to GMAC Bank in order to achieve lower cost of funding Continue to focus on credit underwriting and workouts 10


 

Business Lending Update The homebuilding industry encountered significant deterioration in Q3 Mortgage market challenges increased home inventories and foreclosures Oversupply of homes has put downward pressure on housing prices Rising foreclosure rates will intensify the problem Business lending operation is changing its structure to reflect the new environment Shifted strategy from asset growth to asset management and workout Total assets declined $1.1 billion to $6.5 billion in Q3 from $7.6 billion in Q2 Repositioning to focus on middle market builders / developers Restructuring customer contact Implementing more stringent credit guidelines Building in-house workout capabilities 11


 

ResCap International Update In August, there was virtually no liquidity for mortgage assets Securitization markets did not reopen in September after the holiday break Banks increased margin calls on mortgage assets due to changes in market Forced sellers of MBS to widen spreads, but underlying activity remains sparse Credit quality remains largely unaffected Mortgages in most countries continued to perform as predicted Losses on mortgage pools remained stable Market fears of downturn in the UK and Spain have yet to materialize in actual servicing data Market pressures drove significant losses in ResCap's international portfolio Realized $67 million of pre-tax losses on sale of UK assets compared to historical gains Took unrealized losses of $463 million pre-tax as a result of mark-to-market valuation on pipeline and existing HFS portfolios 12


 

Increasing foreclosures, declining home prices and other factors continue to impact HFI portfolio, driving the provision for losses and loss allowances higher Delinquency level remained flat in comparison to Q2 2007 On the securitized domestic HFI portfolio, ResCap's net exposure limited to $0.4 billion first loss position at 9/30/07 Net charge-offs as a % of MLHFI increased to 0.7% in Q3 2007 due to increases in foreclosures and declining home prices Current loan loss allowance has increased to 2.85% compared to 2.71% in Q2 2007 ResCap - Held for Investment Portfolio - Credit Quality * MLHFI - Mortgage Loans Held for Investment. The total MLHFI is $60.8 billion for quarter ended 9/30/07, $62.7 billion for quarter ended 6/30/07, $65.3 billion for quarter ended 3/31/07, $69.4 billion for 2006 & $69.0 billion for 2005 and is included in the balance sheet under the caption "Finance receivables and loans, net of unearned income" Nonaccrual Loans as a % of total MLHFI * 2005 2006 2007 Net charge-offs as a % of total MLHFI * 2005 2006 2007 13


 

2005 Affordability, tightening credit standards, and mortgage market illiquidity have depressed home sales Homebuilders' inventories are rising, margins are declining Increased specific loan loss reserves related to our business lending receivables by $96.8 million Allowance for loan losses in the lending receivable portfolio increased to 3.72% for Q3 2007 from 2.66% at the end of 2006 ResCap - Lending Receivables - Credit Quality 2006 2005 2006 2007 2007 * Total lending receivables are $8.8 billion for quarter ended 9/30/07, $11.1 billion for quarter ended 6/30/07, $12.9 billion for quarter ended 3/31/07, $14.9 billion for 2006 & $13.6 billion for 2005 and are included in the balance sheet under the caption "Finance receivables and loans, net of unearned income" Nonaccrual Loans as a % of Total Lending Receivables Net charge-offs as a % of Total Lending Receivables 14


 

ResCap Liquidity Overall cash, equity and liquidity remain strong Actions taken immediately as crisis developed to address liquidity Global $1.75 billion unsecured revolving facilities remained available and undrawn Improved liquidity over past 90 days Eliminated exposure to extendable CP Secured $2 billion of new committed conforming repo facilities Executed sale of Healthcare Capital to GMAC for $0.9 billion final purchase price Increased MSR funding capacity by $0.95 billion Accelerated renewal £ 2.4 ($ 4.8) billion conduit facility in the UK GMAC capital injection of $2 billion year to date ResCap will continue to maintain a strong liquidity and capital position 15


 

GMAC Bank GMAC Bank has become a more important component of the overall strategy Volatility of public debt markets and the current credit environment have made typical mortgage moving model challenging GMAC Bank provides access to broader sources of funding including FHLB Advances and Deposits Total FHLB borrowing capacity of $12.2 billion ($2.2 billion of which is unused) Total deposits increased by 50% since 2006 year end 16 Amounts include assets and deposit liabilities of the auto division of GMAC Bank


 

ResCap Restructuring Announced a major restructuring of mortgage operations Reduced and focused product offerings Eliminating staff - approximately 3,000 positions or 25% with majority in 2007 Reductions are in addition to the elimination of 2,000 positions announced earlier this year Closing 50 sales and servicing locations Shifting more towards direct consumer origination channels Restructuring affects all three business units: Domestic mortgage operations will focus on originating and servicing prime conforming and high- quality jumbo product, leveraging GMAC Bank BCG will focus on middle market developers IBG will limit operations to markets with multiple sources to fund and sell assets Credit/risk management functions will be further strengthened across all three segments As a result of workforce reductions, ResCap will incur restructuring charges of $90- $100 million, with majority of the charge in Q4 2007 17


 

ResCap Operating Model Shift to simplified, more focused business model Low cost producer Production toward the consumer Streamlined product suite - 80% government / agency production World class servicing Goal of 80% of domestic production funded through GMAC Bank Subject to regulatory requirements / approvals Reduce risk and income volatility via balance sheet restructuring Reduce HFS inventories Sell nonprime HFI residuals Expand credit and control environment to manage risk and enhance reliability Simplify control process and systems 18


 

ResCap - 2007 Outlook Global capital markets remain volatile Mortgage and credit markets remain stressed Liquidity slowly returning to some very high-quality nonconforming products Asset pricing, when available, generally remains depressed Expect difficult conditions to continue into at least early 2008 Home prices expected to continue to decline Sales of existing single-family homes decreased 8.6% in September Slowest pace since February 1998 The S&P/Case-Shiller Home Price Index for the month of August showed the eighth consecutive monthly decline and the largest month to month decline on record These factors are expected to place additional stress on ResCap's Q4 performance In addition, cost reductions from our restructuring actions will likely not be realized until Q1 2008 ResCap is committed to maintaining liquidity and maintaining its capital position throughout the restructuring process Reducing balance sheet risk and overall leverage New operating model scalable quickly once market fundamentals improve 19
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