Help - Search - Members - Calendar
Full Version: Gm To Book $39 Billion Charge
House Price Crash forum > House Prices > Economics
FreeTrader
From the WSJ

QUOTE
By JOHN D. STOLL
November 6, 2007 6:05 p.m.

General Motors Corp. said Tuesday it will book a $39 billion noncash charge in the third quarter as it establishes a valuation allowance and reduces certain net deferred tax assets to $0 in order to be in compliance with federal accounting rules.

The move is triggered as the company has lost money on an adjusted basis during the three-year period ending in the third quarter of 2007. The noncash charge will likely devastate GM's headline net earnings results for the third quarter, which the auto maker is scheduled to release Wednesday morning.

The charge will be partially offset by a gain related to the sale of Allison Transmission, which was closed in the third quarter. GM could realize a more than $5 billion gain thanks to the sale of that unit.

The adjustments concern GM's operations in the U.S., Canada and Germany, all of which are challenged markets due to a slowdown in demand and a brutal pricing environment. The auto maker is conceding that the near-term environment will remain tough and its significant earnings drivers will remain under pressure.

GM additionally has racked up significant losses related to its equity stake in GMAC Financial Services, which has fallen into red ink due as its ResCap mortgage struggles to overcome weakness related to exposure to the subprime lending market. ResCap lost $1.8 billion in the third quarter alone, leading to a $1.1 billion loss for GMAC, which is the largest quarterly loss since at least the 1960s for the lending unit.

The auto maker has made similar adjustments to deferred tax assets in other regions in the past, including Brazil and Korea.

"The establishment of a valuation does not have any impact on cash, nor does such an allowance preclude us from using our loss carryforwards or other deferred tax assets in the future," GM Chief Financial Officer Fritz Henderson said in a press release. (Read the statement.)

"It's also important to note that the establishment of a valuation allowance does not reflect a change in the company's view of its long-term automotive financial outlook." The company expects new products and a new labor deal to lift longer-term earnings prospects, he said.

I think everyone's still trying to work out what this is going to do to their balance sheet.
cgnao
QUOTE (FreeTrader @ Nov 7 2007, 12:40 AM) *
From the WSJ


I think everyone's still trying to work out what this is going to do to their balance sheet.


This is the beginning of the end.

The derivative neutron bomb is going off.

Brace yourselves.
FreeTrader
QUOTE (cgnao @ Nov 7 2007, 12:44 AM) *
This is the beginning of the end.

The derivative neutron bomb is going off.

Brace yourselves.

Nope, I don't think so - at least not with this one CG. General blog opinion from those familiar with U.S. accounting rules reckon the tax write-down portion of the charge is a non-event. The losses relating to GMAC are real though, but shouldn't affect cash-flow.

Apologies if I gave anyone a scare (or in some cases, a cause for hope?).
OnlyMe
GMAC, one of the BTL-pumping biggies.

The spread of US lenders has been another big contributory factor in bending the UK economy right out of shape.

Be nice to see the back of them.


http://www.in2perspective.com/nr/2007/01/m...let-bonfire.jsp

More fuel for the buy-to-let bonfire

By Nick Booker, Staff Columnist

Published 8th Jan 2007, (a Monday) at 12:00AM

See also... buy-to-let, mortgages, gmac, house-price-crash, bradford-and-bingley, house-prices

2007 will see a new price-war emerge in the buy-to-let mortgage market as GMAC launch the most speculative product ever. GMACs new buy-to-let mortgage allows investors to borrow at less than the Bank of England base rate so long as rent matches the interest payments.

Buy-to-let lenders protect themselves against bad debts in three respects. The interest rate they charge, the amount they will lend in relation to the value of the property and the amount of rent needed to cover the interest. Over the past few years GMAC have declared war on all three of these checks on irresponsible borrowing.
This is a "lo-fi" version of our main content. To view the full version with more information, formatting and images, please click here.