Parent and Guarantor Condensed Consolidating Financial Statements

Certain of our senior notes issued by the parent are guaranteed by 100% directly owned subsidiaries of Ally (the Guarantors). As of June 30, 2018, the Guarantors include Ally US LLC and IB Finance Holding Company, LLC (IB Finance), each of which fully and unconditionally guarantee the senior notes on a joint and several basis.

The following financial statements present condensed consolidating financial data for (i) Ally Financial Inc. (on a parent company-only basis); (ii) the Guarantors; (iii) the nonguarantor subsidiaries (all other subsidiaries); and (iv) an elimination column for adjustments to arrive at (v) the information for the parent company, the Guarantors, and nonguarantors on a consolidated basis.

Investments in subsidiaries are accounted for by the parent company and the Guarantors using the equity method for this presentation. Results of operations of subsidiaries are therefore classified in the parent company’s and Guarantors’ investment in subsidiaries accounts. The elimination entries set forth in the following condensed consolidating financial statements eliminate distributed and undistributed income of subsidiaries, investments in subsidiaries, and intercompany balances and transactions between the parent, the Guarantors, and nonguarantors.

Condensed Consolidating Statements of Comprehensive Income



Three months ended June 30, 2018 ($ in millions)	Parent			Guarantors			Nonguarantors			Consolidating adjustments			Ally consolidated
Financing revenue and other interest income
Interest and fees on finance receivables and loans	$	(1	)	$	—		$	1,648		$	—		$	1,647
Interest and fees on finance receivables and loans — intercompany	4			—			1			(5		)	—
Interest on loans held-for-sale	—			—			6			—			6
Interest and dividends on investment securities and other earning assets	—			—			188			—			188
Interest on cash and cash equivalents	2			—			14			1			17
Interest-bearing cash — intercompany	2			—			2			(4		)	—
Operating leases	1			—			373			—			374
Total financing revenue and other interest income	8			—			2,232			(8		)	2,232
Interest expense
Interest on deposits	—			—			395			4			399
Interest on short-term borrowings	10			—			30			—			40
Interest on long-term debt	257			—			177			—			434
Interest on intercompany debt	4			—			8			(12		)	—
Total interest expense	271			—			610			(8		)	873
Net depreciation expense on operating lease assets	1			—			264			—			265
Net financing (loss) revenue	(264		)	—			1,358			—			1,094
Cash dividends from subsidiaries
Bank subsidiary	500			500			—			(1,000		)	—
Nonbank subsidiaries	132			—			—			(132		)	—
Other revenue
Insurance premiums and service revenue earned	—			—			239			—			239
Gain on mortgage and automotive loans, net	—			—			1			—			1
Other gain on investments, net	—			—			27			—			27
Other income, net of losses	100			—			185			(188		)	97
Total other revenue	100			—			452			(188		)	364
Total net revenue	468			500			1,810			(1,320		)	1,458
Provision for loan losses	32			—			126			—			158
Noninterest expense
Compensation and benefits expense	25			—			267			—			292
Insurance losses and loss adjustment expenses	—			—			101			—			101
Other operating expenses	173			—			461			(188		)	446
Total noninterest expense	198			—			829			(188		)	839
Income from continuing operations before income tax (benefit) expense and undistributed income (loss) of subsidiaries	238			500			855			(1,132		)	461
Income tax (benefit) expense from continuing operations	(66		)	—			179			—			113
Net income from continuing operations	304			500			676			(1,132		)	348
(Loss) income from discontinued operations, net of tax	(1		)	—			2			—			1
Undistributed income (loss) of subsidiaries
Bank subsidiary	52			52			—			(104		)	—
Nonbank subsidiaries	(6		)	—			—			6			—
Net income	349			552			678			(1,230		)	349
Other comprehensive loss, net of tax	(70		)	(56		)	(74		)	130			(70		)
Comprehensive income	$	279		$	496		$	604		$	(1,100	)	$	279



Three months ended June 30, 2017 ($ in millions)	Parent			Guarantors		Nonguarantors			Consolidating adjustments			Ally consolidated
Financing (loss) revenue and other interest income
Interest and fees on finance receivables and loans	$	(35	)	$	—	$	1,482		$	—		$	1,447
Interest and fees on finance receivables and loans — intercompany	3			—		2			(5		)	—
Interest and dividends on investment securities and other earning assets	—			—		146			—			146
Interest on cash and cash equivalents	2			—		5			—			7
Interest-bearing cash — intercompany	—			—		2			(2		)	—
Operating leases	3			—		485			—			488
Total financing (loss) revenue and other interest income	(27		)	—		2,122			(7		)	2,088
Interest expense
Interest on deposits	1			—		249			—			250
Interest on short-term borrowings	19			—		14			—			33
Interest on long-term debt	274			—		143			—			417
Interest on intercompany debt	4			—		3			(7		)	—
Total interest expense	298			—		409			(7		)	700
Net depreciation expense on operating lease assets	3			—		318			—			321
Net financing (loss) revenue	(328		)	—		1,395			—			1,067
Cash dividends from subsidiaries
Nonbank subsidiaries	387			—		—			(387		)	—
Other revenue
Insurance premiums and service revenue earned	—			—		227			—			227
Gain on mortgage and automotive loans, net	32			—		4			—			36
Other gain on investments, net	—			—		23			—			23
Other income, net of losses	163			—		210			(271		)	102
Total other revenue	195			—		464			(271		)	388
Total net revenue	254			—		1,859			(658		)	1,455
Provision for loan losses	82			—		187			—			269
Noninterest expense
Compensation and benefits expense	19			—		246			—			265
Insurance losses and loss adjustment expenses	—			—		125			—			125
Other operating expenses	213			—		478			(271		)	420
Total noninterest expense	232			—		849			(271		)	810
(Loss) income from continuing operations before income tax (benefit) expense and undistributed income (loss) of subsidiaries	(60		)	—		823			(387		)	376
Income tax (benefit) expense from continuing operations	(93		)	—		215			—			122
Net income from continuing operations	33			—		608			(387		)	254
Loss from discontinued operations, net of tax	—			—		(2		)	—			(2		)
Undistributed income (loss) of subsidiaries
Bank subsidiary	375			375		—			(750		)	—
Nonbank subsidiaries	(156		)	—		—			156			—
Net income	252			375		606			(981		)	252
Other comprehensive income, net of tax	76			50		72			(122		)	76
Comprehensive income	$	328		$	425	$	678		$	(1,103	)	$	328



Six months ended June 30, 2018 ($ in millions)	Parent			Guarantors			Nonguarantors			Consolidating adjustments			Ally consolidated
Financing revenue and other interest income
Interest and fees on finance receivables and loans	$	10		$	—		$	3,180		$	—		$	3,190
Interest and fees on finance receivables and loans — intercompany	6			—			2			(8		)	—
Interest on loans held-for-sale	—			—			6			—			6
Interest and dividends on investment securities and other earning assets	—			—			365			(1		)	364
Interest on cash and cash equivalents	4			—			28			—			32
Interest-bearing cash — intercompany	4			—			4			(8		)	—
Operating leases	3			—			753			—			756
Total financing revenue and other interest income	27			—			4,338			(17		)	4,348
Interest expense
Interest on deposits	—			—			750			—			750
Interest on short-term borrowings	20			—			52			—			72
Interest on long-term debt	515			—			330			—			845
Interest on intercompany debt	7			—			10			(17		)	—
Total interest expense	542			—			1,142			(17		)	1,667
Net depreciation expense on operating lease assets	5			—			533			—			538
Net financing (loss) revenue	(520		)	—			2,663			—			2,143
Cash dividends from subsidiaries
Bank subsidiary	1,500			1,500			—			(3,000		)	—
Nonbank subsidiaries	301			—			—			(301		)	—
Other revenue
Insurance premiums and service revenue earned	—			—			495			—			495
Gain on mortgage and automotive loans, net	28			—			2			(28		)	2
Other gain on investments, net	—			—			15			—			15
Other income, net of losses	196			—			406			(396		)	206
Total other revenue	224			—			918			(424		)	718
Total net revenue	1,505			1,500			3,581			(3,725		)	2,861
Provision for loan losses	113			—			334			(28		)	419
Noninterest expense
Compensation and benefits expense	48			—			550			—			598
Insurance losses and loss adjustment expenses	—			—			164			—			164
Other operating expenses	355			—			932			(396		)	891
Total noninterest expense	403			—			1,646			(396		)	1,653
Income from continuing operations before income tax (benefit) expense and undistributed (loss) income of subsidiaries	989			1,500			1,601			(3,301		)	789
Income tax (benefit) expense from continuing operations	(122		)	—			311			—			189
Net income from continuing operations	1,111			1,500			1,290			(3,301		)	600
(Loss) income from discontinued operations, net of tax	(2		)	—			1			—			(1		)
Undistributed (loss) income of subsidiaries
Bank subsidiary	(545		)	(545		)	—			1,090			—
Nonbank subsidiaries	35			—			—			(35		)	—
Net income	599			955			1,291			(2,246		)	599
Other comprehensive loss, net of tax	(398		)	(332		)	(413		)	745			(398		)
Comprehensive income	$	201		$	623		$	878		$	(1,501	)	$	201



Six months ended June 30, 2017 ($ in millions)	Parent			Guarantors		Nonguarantors			Consolidating adjustments			Ally consolidated
Financing (loss) revenue and other interest income
Interest and fees on finance receivables and loans	$	(70	)	$	—	$	2,885		$	—		$	2,815
Interest and fees on finance receivables and loans — intercompany	7			—		4			(11		)	—
Interest and dividends on investment securities and other earning assets	—			—		281			(1		)	280
Interest on cash and cash equivalents	4			—		8			—			12
Interest-bearing cash — intercompany	—			—		3			(3		)	—
Operating leases	6			—		1,025			—			1,031
Total financing (loss) revenue and other interest income	(53		)	—		4,206			(15		)	4,138
Interest expense
Interest on deposits	2			—		479			—			481
Interest on short-term borrowings	36			—		24			—			60
Interest on long-term debt	556			—		285			—			841
Interest on intercompany debt	8			—		7			(15		)	—
Total interest expense	602			—		795			(15		)	1,382
Net depreciation expense on operating lease assets	5			—		705			—			710
Net financing (loss) revenue	(660		)	—		2,706			—			2,046
Cash dividends from subsidiaries
Nonbank subsidiaries	427			—		—			(427		)	—
Other revenue
Insurance premiums and service revenue earned	—			—		468			—			468
Gain on mortgage and automotive loans, net	30			—		20			—			50
Other gain on investments, net	—			—		50			—			50
Other income, net of losses	431			—		433			(648		)	216
Total other revenue	461			—		971			(648		)	784
Total net revenue	228			—		3,677			(1,075		)	2,830
Provision for loan losses	189			—		351			—			540
Noninterest expense
Compensation and benefits expense	140			—		410			—			550
Insurance losses and loss adjustment expenses	—			—		213			—			213
Other operating expenses	501			—		972			(648		)	825
Total noninterest expense	641			—		1,595			(648		)	1,588
(Loss) income from continuing operations before income tax (benefit) expense and undistributed income of subsidiaries	(602		)	—		1,731			(427		)	702
Income tax (benefit) expense from continuing operations	(227		)	—		462			—			235
Net (loss) income from continuing operations	(375		)	—		1,269			(427		)	467
Income (loss) from discontinued operations, net of tax	2			—		(3		)	—			(1		)
Undistributed income of subsidiaries
Bank subsidiary	764			764		—			(1,528		)	—
Nonbank subsidiaries	75			—		—			(75		)	—
Net income	466			764		1,266			(2,030		)	466
Other comprehensive income, net of tax	96			55		91			(146		)	96
Comprehensive income	$	562		$	819	$	1,357		$	(2,176	)	$	562

Condensed Consolidating Balance Sheet



June 30, 2018 ($ in millions)	Parent (a)			Guarantors		Nonguarantors (a)			Consolidating adjustments			Ally consolidated
Assets
Cash and cash equivalents
Noninterest-bearing	$	49		$	—	$	750		$	—		$	799
Interest-bearing	6			—		3,119			—			3,125
Interest-bearing — intercompany	1,016			—		569			(1,585		)	—
Total cash and cash equivalents	1,071			—		4,438			(1,585		)	3,924
Equity securities	—			—		521			—			521
Available-for-sale securities	—			—		23,296			—			23,296
Held-to-maturity securities	—			—		2,146			(57		)	2,089
Loans held-for-sale, net	—			—		328			—			328
Finance receivables and loans, net
Finance receivables and loans, net	5,647			—		119,897			—			125,544
Intercompany loans to
Nonbank subsidiaries	786			—		405			(1,191		)	—
Allowance for loan losses	(128		)	—		(1,129		)	—			(1,257		)
Total finance receivables and loans, net	6,305			—		119,173			(1,191		)	124,287
Investment in operating leases, net	10			—		8,629			—			8,639
Intercompany receivables from
Bank subsidiary	106			—		—			(106		)	—
Nonbank subsidiaries	61			—		88			(149		)	—
Investment in subsidiaries
Bank subsidiary	16,163			16,163		—			(32,326		)	—
Nonbank subsidiaries	7,162			—		—			(7,162		)	—
Premiums receivable and other insurance assets	—			—		2,247			—			2,247
Other assets	2,123			—		5,129			(1,238		)	6,014
Total assets	$	33,001		$	16,163	$	165,995		$	(43,814	)	$	171,345
Liabilities
Deposit liabilities
Noninterest-bearing	$	—		$	—	$	153		$	—		$	153
Interest-bearing	6			—		98,575			—			98,581
Interest-bearing — intercompany	—			—		1,016			(1,016		)	—
Total deposit liabilities	6			—		99,744			(1,016		)	98,734
Short-term borrowings	2,666			—		4,442			—			7,108
Long-term debt	15,571			—		31,757			—			47,328
Intercompany debt to
Bank subsidiary	57			—		—			(57		)	—
Nonbank subsidiaries	973			—		786			(1,759		)	—
Intercompany payables to
Nonbank subsidiaries	130			—		129			(259		)	—
Interest payable	192			—		376			—			568
Unearned insurance premiums and service revenue	—			—		2,957			—			2,957
Accrued expenses and other liabilities	267			—		2,479			(1,235		)	1,511
Total liabilities	19,862			—		142,670			(4,326		)	158,206
Total equity	13,139			16,163		23,325			(39,488		)	13,139
Total liabilities and equity	$	33,001		$	16,163	$	165,995		$	(43,814	)	$	171,345


(a)	Amounts presented are based upon the legal transfer of the underlying assets to VIEs in order to reflect legal ownership.



December 31, 2017 ($ in millions)	Parent (a)			Guarantors		Nonguarantors (a)			Consolidating adjustments			Ally consolidated
Assets
Cash and cash equivalents
Noninterest-bearing	$	74		$	—	$	770		$	—		$	844
Interest-bearing	5			—		3,403			—			3,408
Interest-bearing — intercompany	1,138			—		695			(1,833		)	—
Total cash and cash equivalents	1,217			—		4,868			(1,833		)	4,252
Equity securities	—			—		518			—			518
Available-for-sale securities	—			—		22,303			—			22,303
Held-to-maturity securities	—			—		1,973			(74		)	1,899
Loans held-for-sale, net	—			—		108			—			108
Finance receivables and loans, net
Finance receivables and loans, net	7,434			—		115,459			—			122,893
Intercompany loans to
Nonbank subsidiaries	879			—		408			(1,287		)	—
Allowance for loan losses	(185		)	—		(1,091		)	—			(1,276		)
Total finance receivables and loans, net	8,128			—		114,776			(1,287		)	121,617
Investment in operating leases, net	19			—		8,722			—			8,741
Intercompany receivables from
Bank subsidiary	80			—		—			(80		)	—
Nonbank subsidiaries	71			—		77			(148		)	—
Investment in subsidiaries
Bank subsidiary	16,962			16,962		—			(33,924		)	—
Nonbank subsidiaries	8,111			—		—			(8,111		)	—
Premiums receivable and other insurance assets	—			—		2,082			(35		)	2,047
Other assets	2,207			—		5,105			(1,649		)	5,663
Total assets	$	36,795		$	16,962	$	160,532		$	(47,141	)	$	167,148
Liabilities
Deposit liabilities
Noninterest-bearing	$	—		$	—	$	108		$	—		$	108
Interest-bearing	12			—		93,136			—			93,148
Interest-bearing — intercompany	—			—		1,139			(1,139		)	—
Total deposit liabilities	12			—		94,383			(1,139		)	93,256
Short-term borrowings	3,171			—		8,242			—			11,413
Long-term debt	17,966			—		26,260			—			44,226
Intercompany debt to
Bank subsidiary	74			—		—			(74		)	—
Nonbank subsidiaries	1,103			—		879			(1,982		)	—
Intercompany payables to
Bank subsidiary	4			—		—			(4		)	—
Nonbank subsidiaries	132			—		127			(259		)	—
Interest payable	200			—		175			—			375
Unearned insurance premiums and service revenue	—			—		2,604			—			2,604
Accrued expenses and other liabilities	639			—		2,790			(1,649		)	1,780
Total liabilities	23,301			—		135,460			(5,107		)	153,654
Total equity	13,494			16,962		25,072			(42,034		)	13,494
Total liabilities and equity	$	36,795		$	16,962	$	160,532		$	(47,141	)	$	167,148


(a)	Amounts presented are based upon the legal transfer of the underlying assets to VIEs in order to reflect legal ownership.

Condensed Consolidating Statement of Cash Flows



Six months ended June 30, 2018 ($ in millions)	Parent			Guarantors			Nonguarantors			Consolidating adjustments			Ally consolidated
Operating activities
Net cash provided by operating activities	$	958		$	1,500		$	2,853		$	(3,302	)	$	2,009
Investing activities
Purchases of equity securities	—			—			(500		)	—			(500		)
Proceeds from sales of equity securities	—			—			535			—			535
Purchases of available-for-sale securities	—			—			(4,094		)	—			(4,094		)
Proceeds from sales of available-for-sale securities	—			—			390			—			390
Proceeds from repayments of available-for-sale securities	—			—			1,621			—			1,621
Purchases of held-to-maturity securities	—			—			(316		)	—			(316		)
Proceeds from repayments of held-to-maturity securities	—			—			72			—			72
Net change in investment securities — intercompany	—			—			17			(17		)	—
Purchases of finance receivables and loans held-for-investment	—			—			(3,431		)	820			(2,611		)
Proceeds from sales of finance receivables and loans initially held-for-investment	820			—			—			(820		)	—
Originations and repayments of finance receivables and loans held-for-investment and other, net	1,331			—			(1,969		)	—			(638		)
Net change in loans — intercompany	83			—			(5		)	(78		)	—
Purchases of operating lease assets	—			—			(2,107		)	—			(2,107		)
Disposals of operating lease assets	6			—			1,757			—			1,763
Capital contributions to subsidiaries	(57		)	(6		)	—			63			—
Returns of contributed capital	194			—			—			(194		)	—
Net change in nonmarketable equity investments	—			—			(46		)	—			(46		)
Other, net	(3		)	—			(183		)	—			(186		)
Net cash provided by (used in) investing activities	2,374			(6		)	(8,259		)	(226		)	(6,117		)
Financing activities
Net change in short-term borrowings — third party	(505		)	—			(3,800		)	—			(4,305		)
Net (decrease) increase in deposits	(6		)	—			5,324			123			5,441
Proceeds from issuance of long-term debt — third party	32			—			12,908			—			12,940
Repayments of long-term debt — third party	(2,412		)	—			(7,388		)	—			(9,800		)
Net change in debt — intercompany	(138		)	—			(83		)	221			—
Repurchase of common stock	(380		)	—			—			—			(380		)
Dividends paid — third party	(115		)	—			—			—			(115		)
Dividends paid and returns of contributed capital — intercompany	—			(1,500		)	(1,995		)	3,495			—
Capital contributions from parent	—			6			57			(63		)	—
Net cash (used in) provided by financing activities	(3,524		)	(1,494		)	5,023			3,776			3,781
Effect of exchange-rate changes on cash and cash equivalents	—			—			(3		)	—			(3		)
Net decrease in cash and cash equivalents and restricted cash	(192		)	—			(386		)	248			(330		)
Cash and cash equivalents and restricted cash at beginning of year	1,395			—			5,707			(1,833		)	5,269
Cash and cash equivalents and restricted cash at June 30,	$	1,203		$	—		$	5,321		$	(1,585	)	$	4,939

The following table provides a reconciliation of cash and cash equivalents and restricted cash from the Condensed Consolidated Balance Sheet to the Condensed Consolidated Statement of Cash Flows.



June 30, 2018 ($ in millions)	Parent		Guarantors		Nonguarantors		Consolidating adjustments			Ally consolidated
Cash and cash equivalents as disclosed on the Condensed Consolidated Balance Sheet	$	1,071	$	—	$	4,438	$	(1,585	)	$	3,924
Restricted cash included in other assets on the Condensed Consolidated Balance Sheet (a)	132		—		883		—			1,015
Total cash and cash equivalents and restricted cash as disclosed in the Condensed Consolidated Statement of Cash Flows	$	1,203	$	—	$	5,321	$	(1,585	)	$	4,939


(a)	Restricted cash balances relate primarily to Ally securitization arrangements. Refer to Note 11 for additional details describing the nature of restricted cash balances.



Six months ended June 30, 2017 ($ in millions)	Parent			Guarantors		Nonguarantors			Consolidating adjustments			Ally consolidated
Operating activities
Net cash provided by operating activities	$	561		$	—	$	1,856		$	(347	)	$	2,070
Investing activities
Purchases of equity securities	—			—		(363		)	—			(363		)
Proceeds from sales of equity securities	—			—		484			—			484
Purchases of available-for-sale securities	—			—		(5,490		)	—			(5,490		)
Proceeds from sales of available-for-sale securities	—			—		1,678			—			1,678
Proceeds from repayments of available-for-sale securities	—			—		1,230			—			1,230
Purchases of held-to-maturity securities	—			—		(313		)	—			(313		)
Proceeds from repayments of held-to-maturity securities	—			—		17			—			17
Net change in investment securities — intercompany	1			—		269			(270		)	—
Purchases of finance receivables and loans held-for-investment	(35		)	—		(1,782		)	—			(1,817		)
Proceeds from sales of finance receivables and loans initially held-for-investment	67			—		1,213			—			1,280
Originations and repayments of finance receivables and loans held-for-investment and other, net	1,044			—		(676		)	(1,956		)	(1,588		)
Net change in loans — intercompany	1,864			—		246			(2,110		)	—
Purchases of operating lease assets	—			—		(1,965		)	—			(1,965		)
Disposals of operating lease assets	4			—		3,039			—			3,043
Capital contributions to subsidiaries	(824		)	—		—			824			—
Returns of contributed capital	838			—		—			(838		)	—
Net change in nonmarketable equity investments	—			—		107			—			107
Other, net	(21		)	—		27			(96		)	(90		)
Net cash provided by (used in) investing activities	2,938			—		(2,279		)	(4,446		)	(3,787		)
Financing activities
Net change in short-term borrowings — third party	1,083			—		(3,045		)	—			(1,962		)
Net (decrease) increase in deposits	(123		)	—		7,256			—			7,133
Proceeds from issuance of long-term debt — third party	353			—		7,016			1,961			9,330
Repayments of long-term debt — third party	(3,323		)	—		(11,043		)	—			(14,366		)
Net change in debt — intercompany	(370		)	—		(1,864		)	2,234			—
Repurchase of common stock	(373		)	—		—			—			(373		)
Dividends paid — third party	(75		)	—		—			—			(75		)
Dividends paid and returns of contributed capital — intercompany	—			—		(1,266		)	1,266			—
Capital contributions from parent	—			—		824			(824		)	—
Net cash used in financing activities	(2,828		)	—		(2,122		)	4,637			(313		)
Effect of exchange-rate changes on cash and cash equivalents	—			—		2			—			2
Net increase (decrease) in cash and cash equivalents and restricted cash	671			—		(2,543		)	(156		)	(2,028		)
Cash and cash equivalents and restricted cash at beginning of year	989			—		7,293			(401		)	7,881
Cash and cash equivalents and restricted cash at June 30,	$	1,660		$	—	$	4,750		$	(557	)	$	5,853

The following table provides a reconciliation of cash and cash equivalents and restricted cash from the Condensed Consolidated Balance Sheet to the Condensed Consolidated Statement of Cash Flows.



June 30, 2017 ($ in millions)	Parent		Guarantors		Nonguarantors		Consolidating adjustments			Ally consolidated
Cash and cash equivalents as disclosed on the Condensed Consolidated Balance Sheet	$	1,441	$	—	$	3,493	$	(557	)	$	4,377
Restricted cash included in other assets on the Condensed Consolidated Balance Sheet (a)	219		—		1,257		—			1,476
Total cash and cash equivalents and restricted cash as disclosed in the Condensed Consolidated Statement of Cash Flows	$	1,660	$	—	$	4,750	$	(557	)	$	5,853


(a)	Restricted cash balances relate primarily to Ally securitization arrangements. Refer to Note 11 for additional details describing the nature of restricted cash balances.