Finance Receivables, Net (Tables)

6 Months Ended

Jun. 30, 2012

Finance receivables, net [Table Text Block]

The following table summarizes GM Financial finance receivables, net relating to consumer and commercial activities (dollars in millions):



	June 30, 2012		December 31, 2011
Current	$	3,478	$	3,251
Non-current	6,552		5,911
Total GM Financial finance receivables, net	$	10,030	$	9,162

The following table summarizes the components of GM Financial finance receivables, net (dollars in millions):



	June 30, 2012			December 31, 2011
Pre-acquisition consumer finance receivables, outstanding balance	$	3,100		$	4,366
Pre-acquisition consumer finance receivables, carrying amount	$	2,811		$	4,027
Post-acquisition finance receivables, net of fees(a)	7,468			5,314
Total finance receivables	10,279			9,341
Less: allowance for loan losses on post-acquisition finance receivables	(249		)	(179		)
Total GM Financial finance receivables, net	$	10,030		$	9,162

Finance Receivable Activity [Table Text Block]

The following table summarizes activity for finance receivables (dollars in millions):



	Three Months Ended						Six Months Ended
	June 30, 2012			June 30, 2011			June 30, 2012			June 30, 2011
Pre-acquisition consumer finance receivables, carrying amount, beginning of period	$	3,358		$	6,336		$	4,027		$	7,299
Post-acquisition finance receivables, beginning of period	6,326			2,005			5,314			924
Loans originated or purchased(a)	1,663			1,349			3,059			2,487
Charge-offs	(53		)	(6		)	(104		)	(8		)
Principal collections and other(a)	(978		)	(859		)	(1,898		)	(1,711		)
Change in carrying amount adjustment on the pre-acquisition finance receivables	(37		)	(131		)	(119		)	(297		)
Balance at end of period	$	10,279		$	8,694		$	10,279		$	8,694

Finance Receivables Fair Value [Table Text Block]

The following table summarizes the carrying amount and estimated fair value of GM Financial finance receivables, net (dollars in millions):



	June 30, 2012				December 31, 2011
	Carrying Amount		Fair Value		Carrying Amount		Fair Value
GM Financial finance receivables, net	$	10,030	$	10,330	$	9,162	$	9,386

Accretable Yield [Table Text Block]

The following table summarizes accretable yield (dollars in millions):



	Three Months Ended						Six Months Ended
	June 30, 2012			June 30, 2011			June 30, 2012			June 30, 2011
Balance at beginning of period	$	768		$	999		$	737		$	1,201
Accretion of accretable yield	(143		)	(181		)	(279		)	(383		)
Transfer from non-accretable discount	3			254			170			254
Balance at end of period	$	628		$	1,072		$	628		$	1,072

Allowance for Credit Losses on Consumer Financing Receivables [Table Text Block]

The following table summarizes the allowance for post-acquisition loan losses on consumer finance receivables (dollars in millions):



	June 30, 2012		December 31, 2011
Current	$	189	$	136
Non-current	60		43
Total allowance for post-acquisition loan losses	$	249	$	179

The following table summarizes activity for the allowance for post-acquisition loan losses on consumer finance receivables (dollars in millions):



	Three Months Ended						Six Months Ended
	June 30, 2012			June 30, 2011			June 30, 2012			June 30, 2011
Balance at beginning of period	$	208		$	65		$	179		$	26
Provision for loan losses	62			45			110			84
Charge-offs	(53		)	(6		)	(104		)	(8		)
Recoveries	32			4			64			6
Balance at end of period	$	249		$	108		$	249		$	108

Consumer Financing Receivable Credit Quality Indicators [Table Text Block]

Credit bureau scores, generally referred to as FICO scores, are determined during GM Financial's automotive loan origination process. The following table summarizes the credit risk profile of consumer finance receivables by FICO score band, determined at origination (dollars in millions):



	June 30, 2012		December 31, 2011
FICO score less than 540	$	2,631	$	2,133
FICO score 540 to 599	4,632		4,167
FICO score 600 to 659	2,582		2,624
FICO score greater than 660	595		756
Balance at end of period(a)	$	10,440	$	9,680

Past Due Financing Receivables [Table Text Block]

The following summarizes the contractual amount of consumer finance receivables, which is not materially different than the recorded investment, more than 30 days delinquent, but not yet in repossession, and in repossession, but not yet charged off (dollars in millions):



	June 30, 2012				June 30, 2011
	Amount		Percent of Contractual Amount Due		Amount		Percent of Contractual Amount Due
Delinquent contracts
31-to-60 days	$	428	4.1	%	$	398	4.4	%
Greater-than-60 days	158		1.5	%	158		1.7	%
Total finance receivables more than 30 days delinquent	586		5.6	%	556		6.1	%
In repossession	25		0.3	%	23		0.3	%
Total finance receivables more than 30 days delinquent and in repossession	$	611	5.9	%	$	579	6.4	%