Ally Financial (ALLY) 10-Q2005 Q2 Quarterly report

Filed: 8 Aug 05, 12:00am

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New words: acceleration, advanced, advantage, assembly, brokered, custodial, depletion, dissolve, drawn, employee, equipment, error, external, FNMA, forty, geographic, ii, impracticable, incremental, inseparable, instance, led, Likewise, line, middle, minimum, modest, nonconforming, nonprime, opportunistic, peak, placement, principle, pronouncement, repaid, retrospective, sixty, size, substantive, successfully, supplier, weather, working

Removed: agency, averaged, back, began, calculated, conduit, contrast, favorably, flexibility, GMCL, involvement, operational, premium, renew, structure, turn, worldwide

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Exhibit 12
General Motors Acceptance Corporation

Ratio of Earnings to Fixed Charges


Six Months Ended June 30, ($ in millions)	2005		2004

Earnings
Consolidated net income	$	1,544	$	1,610
Provision for income taxes		771		946
Minority interest in consolidated subsidiaries and (income)/loss from equity investees		5		1

Consolidated income before income taxes, minority interest and (income)/loss from equity investees		2,320		2,557
Fixed charges		5,976		4,476

Earnings available for fixed charges		8,296		7,033
Fixed charges
Interest, discount, and issuance expense on debt		5,926		4,433
Portion of rentals representative of the interest factor		50		43

Total fixed charges	$	5,976	$	4,476
Ratio of earnings to fixed charges		1.39		1.57

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