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Regulatory Capital (Tables)
 12 Months Ended
Dec. 31, 2012
Regulatory Capital Requirements [Abstract]  
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]
The following table summarizes our capital ratios.
 
2012
 
2011
 
Required
minimum
 
Well-capitalized
minimum
December 31, ($ in millions)
Amount
 
Ratio
 
Amount
 
Ratio
 
Risk-based capital
 
 
 
 
 
 
 
 
 
 
 
Tier 1 (to risk-weighted assets)
 
 
 
 
 
 
 
 
 
 
 
Ally Financial Inc.
$
20,232

 
13.13
%
 
$
21,067

 
13.65
%
 
4.00
%
 
6.00%
Ally Bank
14,136

 
16.26

 
12,953

 
17.42

 
4.00

  
6.00
Total (to risk-weighted assets)
 
 
 
 
 
 
 
 
 
 
 
Ally Financial Inc.
$
21,669

 
14.07
%
 
$
22,664

 
14.69
%
 
8.00
%
 
10.00%
Ally Bank
14,827

 
17.06

 
13,675

 
18.40

 
8.00

  
10.00
Tier 1 leverage (to adjusted quarterly average assets) (a)
 
 
 
 
 
 
 
 
 
 
 
Ally Financial Inc.
$
20,232

 
11.16
%
 
$
21,067

 
11.45
%
 
3.00–4.00%
 
(b)
Ally Bank
14,136

 
15.30

 
12,953

 
15.50

 
15.00

(c) 
5.00%
Tier 1 common (to risk-weighted assets)
 
 
 
 
 
 
 
 
 
 
 
Ally Financial Inc.
$
10,749

 
6.98
%
 
$
11,585

 
7.51
%
 
n/a
  
n/a
Ally Bank
n/a

 
n/a

 
n/a

 
n/a

 
n/a
  
n/a
n/a = not applicable
(a)
Federal regulatory reporting guidelines require the calculation of adjusted quarterly average assets using a daily average methodology.
(b)
There is no Tier 1 leverage component in the definition of a well-capitalized bank holding company.
(c)
Ally Bank, in accordance with the CLMA, is required to maintain a Tier 1 leverage ratio of at least 15%.