##### 



EXHIBIT 20 Monthly Servicing Report
Capital Auto Receivables Asset Trust 2005-1
November 2005Distribution Date: 12/15/05 Original InputsTotal Pool Balance
    
$
    
    3,313,888,879.69Class A-1 Notes Balance
    
$
    
    550,000,000.00Class A-1 Notes Rate
    

    One Month LIBOR + 0.01
    %Class A-2a Notes Balance
    
$
    
    450,000,000.00Class A-2a Notes Rate
    

    One Month LIBOR + 0.04
    %Class A-2b Notes Balance
    
$
    
    250,000,000.00Class A-2b Notes Rate
    

    
    3.730
    %Class A-3 Notes Balance
    
$
    
    600,000,000.00Class A-3 Notes Rate
    

    One Month LIBOR + 0.06
    %Class A-4 Notes Balance
    
$
    
    760,000,000.00Class A-4 Notes Rate
    

    
    4.050
    %Class A-5 Notes Balance
    
$
    
    229,825,000.00Class A-5 Notes Rate
    

    One Month LIBOR + 0.10
    %Class B Notes Balance
    
$
    
    122,803,000.00Class B Notes Rate
    

    One Month LIBOR + 0.375
    %Class C Notes Balance
    
$
    
    46,051,000.00Class C Notes Rate
    

    
    4.730
    %Class D Notes Balance
    
$
    
    30,701,000.00Class D Notes Rate
    

    
    6.500
    %Overcollateralization
    
$
    
    30,701,224.17Reserve Account Deposit
    
$
    
    15,350,406.12Discount Rate
    

    
    7.50
    %Part I. CollectionsReceipts During the Period
    
$
    
    101,627,061.27Principal on Repurchased Contracts
    

    
    2,936,601.11Liquidation Proceeds (Recoveries)



1,728,930.73Schedule and Simple Interest Payments Advanced
    

    
    440,135.35Schedule Principal Advanced
    

    
    1,183,496.42Total
Collections Available For the Period
    
$
    
    107,916,224.88Beginning Pool Aggregate Principal Balance
    
$
    
    2,620,732,835.38Ending Pool Aggregate Principal Balance
    
$
    
    2,520,283,656.76Scheduled Principal Collection
    
$
    
    84,756,242.61Beginning Aggregate Discounted Principal Balance
    
$
    
    2,443,232,363.90Ending Aggregate Discounted Principal Balance
    
$
    
    2,352,572,535.66Part II. Distributions to Noteholders and CertificateholdersTotal Collections
    
$
    
    107,916,224.88Plus: Reserve Account Draw
    

    
    Plus: Net Amount Due From Swap Counterparty
    

    
    315,601.65Less: Total Servicing Fee
    

    
    4,367,888.06Less: Net Amount Due to Swap Counterparty
    

    
    Less: Monthly Interest Due to Noteholders
    

    
    8,351,541.04Less: Principal Due to Noteholders
    

    
    90,659,828.24Less: Reserve Account Deposit
    

    
    Less: Accumulation Account Deposit
    

    
    Equals Reserve Fund Excess to be released to CARI
    
$
    
    4,852,569.19
 Page 1




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##### 



Monthly Servicing Report
Capital Auto Receivables Asset Trust 2005-1
November 2005Distribution Date: 12/15/05 Per $1000 ofOriginal PrincipalClass A-1 Notes Distributable AmountMonthly Interest
    
    $
    
    
    
    
    Monthly Principal
    
    
    
    
    
    
    Distributable Amount
    
    $
    Class A-2a Notes Distributable AmountMonthly Interest
    
    $
    1,388,736.83
    
    
    
    3.086082Monthly Principal
    
    
    58,281,318.15
    
    
    
    129.514040Distributable Amount
    
    $
    59,670,054.98Class A-2b Notes Distributable AmountMonthly Interest
    
    $
    691,771.95
    
    
    
    2.767088Monthly Principal
    
    
    32,378,510.09
    
    
    
    129.514040Distributable Amount
    
    $
    33,070,282.04Class A-3 Notes Distributable AmountMonthly Interest
    
    $
    2,090,000.00
    
    
    
    3.483333Monthly Principal
    
    
    
    
    
    
    Distributable Amount
    
    $
    2,090,000.00Class A-4 Notes Distributable AmountMonthly Interest
    
    $
    2,565,000.00
    
    
    
    3.375000Monthly Principal
    
    
    
    
    
    
    Distributable Amount
    
    $
    2,565,000.00Class A-5 Notes Distributable AmountMonthly Interest
    
    $
    808,217.92
    
    
    
    1.063445Monthly Principal
    
    
    
    
    
    
    Distributable Amount
    
    $
    808,217.92Class B Notes Distributable AmountMonthly Interest
    
    $
    459,999.57
    
    
    
    3.745833Monthly Principal
    
    
    
    
    
    
    Distributable Amount
    
    $
    459,999.57Class C Notes Distributable AmountMonthly Interest
    
    $
    181,517.69
    
    
    
    3.941667Monthly Principal
    
    
    
    
    
    
    Distributable Amount
    
    $
    181,517.69Class D Notes Distributable AmountMonthly Interest
    
    $
    166,297.08
    
    
    
    5.416667Monthly Principal
    
    
    
    
    
    
    Distributable Amount
    
    $
    166,297.08Total Servicing Fee
    
    $
    4,367,888.06
    
    
    
    1.318055LIBOR Rate
effective for current distribution Period
    
    
    4.12
    %
 Page 2




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##### 



Monthly Servicing Report
Capital Auto Receivables Asset Trust 2005-1
November 2005Distribution Date: 12/15/05 Part III. Payment Ahead and AdvancesPayment Ahead Servicing AccountBeginning Payment Ahead Balance
    
    $
    5,866,855.56Less: Payments Applied
    
    
    1,538,385.70Current Period Payments Ahead Received
    
    
    1,099,562.13Ending Payment Ahead Balance
    
    $
    5,428,031.99Advance AccountBeginning Outstanding Unreimbursed Scheduled Principal and Interest Advances
    
    $
    2,931,591.13Beginning Outstanding Unreimbursed Simple Interest Advances
    
    
    1,718,824.93Scheduled Principal and Interest Advances
    
    
    1,393,573.80Simple Interest Advances
    
    
    230,057.97Reimbursement of Previous Scheduled Principal and Interest Advances
    
    
    937,014.49Reimbursement of Previous Simple Interest Advances
    
    
    Ending Outstanding Unreimbursed Scheduled Principal and Interest Advances
    
    $
    3,388,150.44Ending Outstanding Unreimbursed Simple Interest Advances
    
    $
    1,948,882.90Part IV. Balances & Principal FactorsBeginning of Period
    
    
    End of PeriodTotal Pool Balance
    
    $
    2,620,732,835.38
    
    
    $
    2,520,283,656.76Total Pool Factor
    
    
    0.7908330
    
    
    
    0.7605215Class A-1 Notes Balance
    
    $
    
    
    
    $
    Class A-1 Notes Principal Factor
    
    
    
    
    
    
    Class A-2a Notes Balance
    
    $
    400,597,161.26
    
    
    $
    342,315,843.11Class A-2a Notes Principal Factor
    
    
    0.8902159
    
    
    
    0.7607019Class A-2b Notes Balance
    
    $
    222,553,978.48
    
    
    $
    190,175,468.39Class A-2b Notes Principal Factor
    
    
    0.8902159
    
    
    
    0.7607019Class A-3 Notes Balance
    
    $
    600,000,000.00
    
    
    $
    600,000,000.00Class A-3 Notes Principal Factor
    
    
    1.0000000
    
    
    
    1.0000000Class A-4 Notes Balance
    
    $
    760,000,000.00
    
    
    $
    760,000,000.00Class A-4 Notes Principal Factor
    
    
    1.0000000
    
    
    
    1.0000000Class A-5 Notes Balance
    
    $
    229,825,000.00
    
    
    $
    229,825,000.00Class A-5 Notes Principal Factor
    
    
    1.0000000
    
    
    
    1.0000000Class B Notes Balance
    
    $
    122,803,000.00
    
    
    $
    122,803,000.00Class B Notes Principal Factor
    
    
    1.0000000
    
    
    
    1.0000000Class C Notes Balance
    
    $
    46,051,000.00
    
    
    $
    46,051,000.00Class C Notes Principal Factor
    
    
    1.0000000
    
    
    
    1.0000000Class D Notes Balance
    
    $
    30,701,000.00
    
    
    $
    30,701,000.00Class D Notes Principal Factor
    
    
    1.0000000
    
    
    
    1.0000000
 Pool Statistics
    
    Inception
    
    

Beg of Period
    
    
    End of PeriodNumber of Accounts
    
    
    189,292
    
    
    
    169,160
    
    
    
    165,693Weighted Average Coupon
    
    
    4.24
    %
    
    
    4.04
    %
    
    
    4.02
    %Weighted Average Remaining Term
    
    
    47.87
    
    
    
    42.75
    
    
    
    41.96Weighted Average Age
    
    
    12.75
    
    
    
    17.87
    
    
    
    18.66
 Page 3




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##### 



Monthly Servicing Report
Capital Auto Receivables Asset Trust 2005-1
November 2005Distribution Date: 12/15/05 Part V. Reserve Account Per $1000 ofOriginal PrincipalBeginning Reserve Account Balance
    
    
    
    
    
    $
    15,350,406.12Draw for Servicing Fee
    
    
    
    
    
    
    
    
    
    
    Draw for Class A-1a Notes Distributable Amount
    
    
    
    
    
    
    
    
    
    
    Draw for Class A-1b Notes Distributable Amount
    
    
    
    
    
    
    
    
    
    
    Draw for Class A-2 Notes Distributable Amount
    
    
    
    
    
    
    
    
    
    
    Draw for Class A-3 Notes Distributable Amount
    
    
    
    
    
    
    
    
    
    
    Draw for Class A-4 Notes Distributable Amount
    
    
    
    
    
    
    
    
    
    
    Draw for Class B Notes Distributable Amount
    
    
    
    
    
    
    
    
    
    
    Draw for Class C Notes Distributable Amount
    
    
    
    
    
    
    
    
    
    
    Draw for Class D Notes Distributable Amount
    
    
    
    
    
    
    
    
    
    
    Additions to Reserve Account (for Accumulation Account)
    
    
    
    
    
    
    
    
    
    
    Additions to Reserve Account
    
    
    
    
    
    
    
    
    
    
    Releases from Reserve Account
    
    
    
    
    
    
    
    
    
    
    Ending Reserve Account Balance
    
    
    
    
    
    $
    15,350,406.12Early Amortization Trigger:Reserve Account Balance is less than the Specified Reserve
Account Balance for Two Consecutive MonthsPreceding Collection PeriodSpecified Reserve Account Balance
    
    
    
    
    
    $
    15,350,406.12Reserve Account Balance
    
    
    
    
    
    $
    15,350,406.12Current Collection PeriodSpecified Reserve Account Balance
    
    
    
    
    
    $
    15,350,406.12Reserve Account Balance
    
    
    
    
    
    $
    15,350,406.12Part VI. Carryover ShortfallPer $1000 ofOriginal PrincipalNoteholders Interest Carryover Shortfall
    
    
    
    
    
    $
    
    
    
    
    Noteholders Principal Carryover Shortfall
    
    
    
    
    
    $
    
    
    
    
    Part VII. Charge Off and Delinquency RatesCharge Off Rate
    
    Average Receivables
    
    
    Net
Charge-Offs
    
    
    Loss RateNovember 2005
    
    $
    2,570,508,246.07
    
    
    $
    1,291,500.48
    
    
    
    0.6029
    %October 2005
    
    $
    2,674,017,966.22
    
    
    $
    955,441.68
    
    
    
    0.4288
    %September 2005
    
    $
    2,782,587,827.89
    
    
    $
    815,133.27
    
    
    
    0.3515
    %Three Month Average Loss Rate
    
    
    
    
    
    
    
    
    
    
    0.4611
    %Delinquency Rate*
    
    Total Accounts
    
    
    Accounts Over 60
    
    
    % DelinquentNovember 2005
    
    
    165,693
    
    
    
    698
    
    
    
    0.4213
    %October 2005
    
    
    169,160
    
    
    
    789
    
    
    
    0.4664
    %September 2005
    
    
    173,080
    
    
    
    724
    
    
    
    0.4183
    %Three Month Average Delinquency Rate
    
    
    
    
    
    
    
    
    
    
    0.4353
    %
 * Includes delinquencies on Hurricane accounts held in special handling. The delinquency detail on the Hurricane accounts only is as follows: Hurricane AccountsNovember
Accounts Over 60
    
    
    
    
    
    
    88Delinquency
Stratification
    
    Total Accounts
    
    
    Total $31-60 days
    
    
    4,642
    
    
    $
    72,126,684.5961-90 days
    
    
    609
    
    
    $
    9,796,693.89>90 days
    
    
    89
    
    
    $
    1,641,953.40 Page 4




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##### 



Monthly Servicing Report
Capital Auto Receivables Asset Trust 2005-1
November 2005
Distribution Date: 12/15/05 Part VIII. Prepayment Rate Month
    
    Prepayment Rate1
    
    
    0.728%2
    
    
    1.980%3
    
    
    1.570%4
    
    
    1.811%5
    
    
    1.410%6
    
    
    1.330%7
    
    
    1.206%
 Page 5