Exhibit 99.1
Balance Sheet Data
(dollars in millions)
9/30/02 6/30/02 3/31/02 12/31/01 9/30/01 6/30/01 3/31/01 12/31/00
Assets
Finance Receivables $28,459.0 $27,925.4 $26,297.7 $30,333.0 $31,879.4 $30,865.7 $33,300.7 $33,497.5
Reserve for Credit Losses (777.8) (808.9) (554.9) (496.4) (492.9) (463.8) (462.0) (468.5)
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Net Finance Receivables 27,681.2 27,116.5 25,742.8 29,836.6 31,386.5 30,401.9 32,838.7 33,029.0
Operating Lease Equipment, Net 6,567.4 6,689.7 6,604.0 6,465.6 6,402.8 7,182.4 7,186.7 7,190.6
Finance Receivables Held for Sale 1,019.5 730.8 645.2 1,510.3 2,014.9 2,073.9 2,624.8 2,698.4
Interest in trade receivables, net -- -- 2,510.9 -- -- -- -- --
Cash & Equivalents 2,274.4 2,080.6 2,257.8 1,301.5 808.0 900.2 740.0 812.1
Goodwill, Net 384.4 384.4 2,383.4 6,857.1 6,547.5 6,101.7 1,942.1 1,964.6
Receivable from Tyco Affiliates -- -- -- -- 200.0 -- -- --
Other Assets 4,783.6 4,334.7 4,239.4 3,616.9 3,627.3 4,932.8 3,053.1 2,995.1
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Total Assets $42,710.5 $41,336.7 $44,383.5 $49,588.0 $50,987.0 $51,592.9 $48,385.4 $48,689.8
=============================================================================================
Liabilities
Commercial Paper $ 4,654.2 $ 34.0 $ 709.9 $ 8,016.1 $ 8,869.2 $ 9,155.8 $ 9,662.9 $ 9,063.5
Bank Credit Facilities -
Variable Rate 4,037.4 8,534.2 8,518.4 -- -- -- -- --
Senior Notes - Variable Rate 6,082.7 7,172.7 8,700.5 9,237.2 9,614.6 9,856.3 10,798.3 11,130.5
Senior Notes - Fixed Rate 17,681.7 16,882.2 15,806.1 16,748.8 17,113.9 17,646.6 17,157.0 17,571.1
Subordinated Notes - Fixed Rate -- -- -- -- 100.0 100.0 100.0 200.0
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Total Debt 32,456.0 32,623.1 33,734.9 34,002.1 35,697.7 36,758.7 37,718.2 37,965.1
Notes and Payables to Tyco
Affiliates -- -- -- -- 7.6 -- -- --
Credit Balance of Factoring
Clients 2,513.8 1,980.0 1,543.5 2,184.2 2,392.9 1,945.3 2,131.4 2,179.9
Accrued Liabilities & Payables 2,725.2 1,961.2 2,346.5 2,300.5 2,030.8 2,403.3 2,315.2 2,287.6
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Total Liabilities 37,695.0 36,564.3 37,624.9 38,486.8 40,129.0 41,107.3 42,164.8 42,432.6
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Company-obligated mandatorily
redeemable preferred securities
of subsidiary trust holding
solely debentures of the Company 257.7 258.1 258.6 259.0 260.0 260.0 250.0 250.0
Stockholders' Equity
Common Stock 2.1 -- -- -- -- -- 2.7 2.7
Paid-in Capital 10,674.8 -- -- -- -- -- 3,535.9 3,527.2
Contributed Capital -- 10,422.4 10,422.4 10,422.4 10,422.4 10,159.7 -- --
Accumulated (deficit) earnings (5,722.8) (5,857.5) (3,864.0) 491.4 252.4 71.2 2,736.9 2,603.3
Treasury stock, at cost -- -- -- -- -- -- (133.1) (137.7)
Accumulated other comprehensive
loss (196.3) (50.6) (58.4) (71.6) (76.8) (5.3) (171.8) 11.7
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Total Stockholders' Equity 4,757.8 4,514.3 6,500.0 10,842.2 10,598.0 10,225.6 5,970.6 6,007.2
---------------------------------------------------------------------------------------------
Total Liabilities &
Stockholders' Equity $42,710.5 $41,336.7 $44,383.5 $49,588.0 $50,987.0 $51,592.9 $48,385.4 $48,689.8
=============================================================================================
Income Statement
(dollars in millions)
9/30/02 6/30/02 3/31/02 12/31/01 9/30/01 6/30/01 3/31/01 12/31/00
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Finance Income $1,015.2 $ 1,021.9 $ 1,106.7 $ 1,199.0 $ 1,258.6 $ 1,339.9 $ 1,376.8 $ 1,391.2
Interest Expense 347.8 370.2 348.3 373.0 435.3 558.8 625.7 652.2
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Net Finance Income 667.4 651.7 758.4 826.0 823.3 781.1 751.1 739.0
Depreciation on Lease Equipment 296.6 295.7 310.2 338.5 338.6 351.7 346.4 348.4
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Net Finance Margin 370.8 356.0 448.2 487.5 484.7 429.4 404.7 390.6
Provision for Credit Losses 122.7 357.7 195.0 112.9 97.5 166.7 68.3 63.8
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Net Finance Margin after Provision 248.1 (1.7) 253.2 374.6 387.2 262.7 336.4 326.8
Other Revenue (1) 209.0 246.1 232.1 245.1 239.2 121.8 211.6 217.3
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Operating Margin 457.1 244.4 485.3 619.7 626.4 384.5 548.0 544.1
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Salaries & General Operating Exp 235.6 230.4 226.9 230.5 255.9 265.5 263.5 259.3
Goodwill Impairment -- 1,999.0 4,512.7 -- -- -- -- --
Goodwill Amortization -- -- -- -- 45.4 29.7 22.5 22.5
Acquisition Related Costs -- -- -- -- -- 54.0 -- --
Minority Interest in Subsidiary 4.4 4.4 4.4 3.7 4.8 4.8 4.8 4.8
------------------------------------------------------------------------------------------
Operating Expenses 240.0 2,233.8 4,744.0 234.2 306.1 354.0 290.8 286.6
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Income (Loss) before Income Taxes 217.1 (1,989.4) (4,258.7) 385.5 320.3 30.5 257.2 257.5
Provision for Income Taxes 82.4 4.1 96.7 146.5 139.0 38.1 97.1 97.4
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Net Income (Loss) $ 134.7 $(1,993.5) $(4,355.4) $ 239.0 $ 181.3 $ (7.6) $ 160.1 $ 160.1
==========================================================================================
(1) Other Revenue
Fees and Other Income $ 165.7 $ 144.4 $ 160.9 $ 173.5 $ 163.3 $ 117.3 $ 106.6 $ 111.6
Factoring Commissions 47.7 42.0 37.5 38.3 39.9 35.3 36.7 38.8
Gains on Securitization 29.2 57.1 34.7 28.0 25.6 34.7 37.4 40.6
Gains on Sales of Leasing
Equipment 2.6 4.0 4.3 2.7 11.1 10.8 26.0 32.4
Gains (Losses) on Venture
Capital Investments (36.2) (1.4) (5.3) 2.6 (0.7) 1.8 4.9 (6.1)
Special Charges -- -- -- -- (78.1) -- --
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Total Other Revenue $ 209.0 $ 246.1 $ 232.1 $ 245.1 $ 239.2 $ 121.8 $ 211.6 $ 217.3
==========================================================================================
Net Income (Loss) before charges:
Net Income (Loss) as Reported $ 134.7 $(1,993.5) $(4,355.4) $ 239.0 $ 181.3 $ (7.6) $ 160.1 $ 160.1
Adjustments
Goodwill Impairment -- 1,999.0 4,512.7 -- -- -- -- --
Goodwill Amortization -- -- -- -- 45.4 27.2 19.9 19.9
Reserving Actions & Other
Charges 22.4 161.2 58.9 -- -- 158.0 -- --
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Net Income Adjusted $ 157.1 $ 166.7 $ 216.2 $ 239.0 $ 226.7 $ 177.6 $ 180.0 $ 180.0
==========================================================================================
(2) Reserving Actions & Other Charges (Pre-Tax)
9/30/02 - $36.2 million Charge (venture capital investments impairment and
writedown)
6/30/02 - $260 million Reserve (Telecomm $200MM, Argentina $40MM, General
Reserve $20MM)
3/31/02 - $95 million Reserve (Argentina $95MM)
6/30/01 - $222 million Charges (Underperforming Assets $90MM, Equity
Investments $78MM, Tyco Acq Costs $54MM)
Managed Asset Composition
(dollars in millions)
9/30/02 6/30/02 3/31/02 12/31/01 9/30/01 6/30/01 3/31/01 12/31/00
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Equipment Financing & Leasing
Equipment Financing
Finance Receivables $ 7,522.2 $ 7,770.8 $ 8,999.5 $ 9,191.9 $ 9,668.9 $10,057.3 $10,309.8 $11,925.3
Operating Lease Equipment, Net 765.8 818.6 872.8 931.6 1,281.7 1,430.0 1,520.8 2,280.7
Finance Receivables Held for Sale 110.8 117.4 132.0 186.9 113.1 155.8 87.1 228.4
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Portfolio Assets 8,398.8 8,706.8 10,004.3 10,310.4 11,063.7 11,643.1 11,917.7 14,434.4
Finance Receivables Securitized
& Managed 4,384.1 4,658.2 3,752.5 4,564.4 4,464.8 4,608.3 4,582.4 6,387.2
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Managed Assets 12,782.9 13,365.0 13,756.8 14,874.8 15,528.5 16,251.4 16,500.1 20,821.6
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Capital Finance
Finance Receivables 1,479.5 1,530.2 1,534.6 1,694.7 1,773.0 1,895.4 1,894.6 2,049.0
Operating Lease Equipment, Net 4,388.9 4,262.4 3,950.3 3,574.5 3,272.4 3,780.3 3,632.1 3,594.6
Finance Receivables Held for Sale -- -- -- -- -- -- --
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Portfolio Assets and Managed Assets 5,868.4 5,792.6 5,484.9 5,269.2 5,045.4 5,675.7 5,526.7 5,643.6
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Specialty Finance
Commercial
Finance Receivables 6,091.5 6,154.7 6,288.6 6,413.6 6,533.2 6,370.2 7,014.6 6,028.7
Operating Lease Equipment, Net 1,353.2 1,546.9 1,717.4 1,892.8 1,796.1 1,915.9 1,978.9 1,256.5
Finance Receivables Held for Sale 528.7 216.9 513.2 319.3 258.4 320.3 822.2 835.9
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Portfolio Assets 7,973.4 7,918.5 8,519.2 8,625.7 8,587.7 8,606.4 9,815.7 8,121.1
Finance Receivables Securitized
& Managed 3,703.1 4,145.9 4,167.4 4,337.4 4,023.2 4,192.2 4,023.3 2,688.7
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Managed Assets 11,676.5 12,064.4 12,686.6 12,963.1 12,610.9 12,798.6 13,839.0 10,809.8
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Consumer
Finance Receivables - Home Equity 934.2 856.0 1,553.4 2,640.1 2,410.2 2,245.5 2,229.4 2,201.0
Finance Receivables - Other 831.8 838.7 864.9 475.3 663.5 535.2 1,969.1 1,992.5
Finance Receivables Held for Sale 380.0 396.5 -- 660.5 1,129.7 1,023.3 1,127.8 1,006.5
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Portfolio Assets 2,146.0 2,091.2 2,418.3 3,775.9 4,203.4 3,804.0 5,326.3 5,200.0
Finance Receivables Securitized
& Mgd - Home Equity 2,115.9 2,035.9 1,619.9 230.8 252.2 276.1 307.2 327.0
Finance Receivables Securitized
& Mgd - Other 1,031.6 1,127.9 1,216.5 1,309.6 1,407.7 1,498.5 1,627.5 1,713.4
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Managed Assets 5,293.5 5,255.0 5,254.7 5,316.3 5,863.3 5,578.6 7,261.0 7,240.4
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Commercial Finance
Commercial Services
Finance Receivables 5,040.4 4,536.4 756.1 4,316.2 5,112.2 4,182.3 4,434.3 4,277.9
Finance Receivables Securitized
and Managed -- -- 3,432.4 -- -- -- -- --
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Managed Assets 5,040.4 4,536.4 4,188.5 4,316.2 5,112.2 4,182.3 4,434.3 4,277.9
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Business Credit
Finance Receivables and Managed Assets 3,869.8 3,644.1 3,680.6 3,541.0 3,544.9 3,593.7 3,561.0 3,415.8
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Structured Finance
Finance Receivables 2,689.6 2,594.5 2,620.0 2,060.2 2,263.4 2,040.7 1,919.3 1,719.7
Operating Lease Equipment, Net 59.5 61.8 63.5 66.7 52.6 56.2 54.9 58.8
Finance Receivables Held for Sale -- -- -- 343.6 513.7 574.5 587.7 627.6
Equity Investments 341.7 362.5 352.2 338.2 342.2 336.2 309.4 285.8
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Portfolio and Managed Assets 3,090.8 3,018.8 3,035.7 2,808.7 3,171.9 3,007.6 2,871.3 2,691.9
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Total
Finance Receivables $28,459.0 $27,925.4 $26,297.7 $30,333.0 $31,969.3 $30,920.3 $33,332.1 $33,609.9
Operating Lease Equipment, Net 6,567.4 6,689.7 6,604.0 6,465.6 6,402.8 7,182.4 7,186.7 7,190.6
Finance Receivables Held For Sale 1,019.5 730.8 645.2 1,510.3 2,014.9 2,073.9 2,624.8 2,698.4
Equity Investments 341.7 362.5 352.2 338.2 342.2 336.2 309.4 285.8
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Portfolio Assets 36,387.6 35,708.4 33,899.1 38,647.1 40,729.2 40,512.8 43,453.0 43,784.7
Finance Receivables Securitized
& Managed 11,234.7 11,967.9 14,188.7 10,442.2 10,147.9 10,575.1 10,540.4 11,116.3
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Managed Assets $47,622.3 $47,676.3 $48,087.8 $49,089.3 $50,877.1 $51,087.9 $53,993.4 $54,901.0
======================================================================================
Select Data & Ratios*
(dollars in millions)
9/30/02 6/30/02 3/31/02 12/31/01 9/30/01 6/30/01 3/31/01 12/31/00
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Average Assets:
Average Finance Receivables (AFR) $28,325.8 $28,157.7 $28,487.3 $31,345.9 $31,353.7 $32,767.2 $33,395.4 $34,245.7
Average Earning Assets (AEA) 33,959.4 34,670.1 36,006.6 37,471.2 38,735.7 41,014.8 41,635.3 41,669.0
Average Managed Assets (AMA) 45,356.5 45,734.3 46,896.5 47,420.7 48,888.0 50,927.3 51,961.8 52,628.7
Profitability
Net Finance Margin as percentage
of AEA 4.37% 4.11% 4.98% 5.20% 5.01% 4.19% 3.89% 3.75%
Net Finance Margin after
Provision as percentage of AEA 2.92% -0.02% 2.81% 4.00% 4.00% 2.56% 3.23% 3.14%
Salaries & general operating
expenses as percentage of AMA 2.08% 2.02% 1.93% 1.93% 2.09% 2.09% 2.03% 1.97%
Efficiency Ratio 40.6% 38.3% 33.4% 31.5% 35.4% 48.2% 43.1% 42.7%
Capital & Leverage
Tangible Shareholder's Equity to
Managed Assets 9.93% 9.25% 9.14% 8.72% 8.48% 8.62% 8.23% 7.82%
Debt (net of overnight deposits)
to tangible Shareholders Equity 6.54x 7.07x 7.30x 7.79x 8.20x 8.22x 8.41x 8.78x
Securitization Volume
Commercial - Equipment $ 305.5 $ 1,170.4 $ 364.0 $ 488.0 $ 407.7 $ 453.0 $ 444.3 $ 473.5
Commercial - Vendor 410.5 782.4 673.2 735.8 484.7 851.5 652.1 730.7
Consumer 264.0 785.9 1,688.7 -- -- -- -- --
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Total $ 980.0 $ 2,738.7 $ 2,725.9 $ 1,223.8 $ 892.4 $ 1,304.5 $ 1,096.4 $ 1,204.2
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Credit Quality 9/30/02 6/30/02 3/31/02 12/31/01
$ % $ % $ % $ %
---------------------------------------------------------------------------
Credit Losses by Business Segment
Equipment Finance & Leasing $ 70.8 3.10% $ 64.9 2.65% $ 61.1 2.26% $ 62.1 2.22%
Specialty Finance - Commercial 18.8 1.22% 21.2 1.36% 19.6 1.21% 20.7 1.25%
Commercial Finance 22.4 1.06% 29.0 1.61% 20.2 1.36% 16.6 0.80%
Structured Finance 18.4 2.78% -- 0.00% 0.1 0.01% -- 0.00%
-------- -------- -------- --------
Total Commercial 130.4 1.98% 115.1 1.78% 101.0 1.59% 99.4 1.41%
Specialty Finance - Consumer 10.6 2.17% 10.9 1.86% 11.4 1.51% 13.4 1.70%
-------- -------- -------- --------
Total $ 141.0 1.99% $ 126.0 1.79% $ 112.4 1.58% $ 112.8 1.44%
-------- -------- -------- --------
Fin Rec Past Due 60 days or more - Owned
Equipment Finance & Leasing $ 452.2 5.02% $ 407.3 4.38% $ 463.0 4.39% $ 471.8 4.33%
Specialty Finance - Commercial 215.4 3.54% 250.3 4.07% 287.3 4.55% 293.1 4.57%
Commercial Finance 209.4 2.35% 195.3 2.39% 224.7 2.86% 197.7 2.52%
Structured Finance 65.8 2.45% 44.9 1.73% 39.0 1.49% 37.7 1.83%
-------- -------- -------- --------
Total Commercial 942.8 3.53% 897.8 3.42% 1,014.0 3.71% 1,000.3 3.68%
Specialty Finance - Consumer 127.2 7.20% 132.4 7.81% 144.1 5.96% 183.1 5.88%
-------- -------- -------- --------
Total $1,070.0 3.76% $1,030.2 3.69% $1,158.1 3.90% $1,183.4 3.90%
-------- -------- -------- --------
Non-Performing Assets - Owned
Equipment Finance & Leasing $ 548.5 6.09% $ 510.0 5.48% $ 472.3 4.48% $ 422.3 3.88%
Specialty Finance - Commercial 103.1 1.69% 125.7 2.04% 140.1 2.22% 150.6 2.35%
Commercial Finance 176.1 1.98% 143.2 1.75% 138.5 1.76% 145.1 1.85%
Structured Finance 172.2 6.40% 128.3 4.95% 81.8 3.12% 92.5 4.49%
-------- -------- -------- --------
Total Commercial 999.9 3.75% 907.2 3.46% 832.7 3.05% 810.5 2.98%
Specialty Finance - Consumer 139.9 7.92% 145.4 8.58% 155.7 6.44% 171.0 5.49%
-------- -------- -------- --------
Total $1,139.8 4.01% $1,052.6 3.77% $ 988.4 3.32% $ 981.5 3.24%
-------- -------- -------- --------
Fin Rec Past Due 60 days or more - Managed
Equipment Finance & Leasing $ 710.6 5.27% $ 717.4 5.10% $ 778.5 5.40% $ 790.6 5.06%
Specialty Finance - Commercial 303.3 2.94% 331.7 3.15% 401.1 3.66% 419.0 3.78%
Commercial Finance 209.4 2.35% 195.3 2.39% 224.7 2.86% 197.7 2.52%
Structured Finance 65.8 2.45% 44.9 1.73% 39.0 1.49% 37.7 1.57%
-------- -------- -------- --------
Total Commercial 1,289.1 3.64% 1,289.3 3.65% 1,443.3 4.02% 1,445.0 3.91%
Specialty Finance - Consumer 249.5 4.71% 230.8 4.39% 237.0 4.51% 256.1 4.82%
-------- -------- -------- --------
Total $1,538.6 3.78% $1,520.1 3.74% $1,680.3 4.09% $1,701.1 4.02%
-------- -------- -------- --------
Credit Quality 9/30/01 6/30/01 3/31/01 12/31/00
$ % $ % $ % $ %
------------------------------------------------------------------------------
Credit Losses by Business Segment
Equipment Finance & Leasing $ 33.9 1.15% $ 26.8 0.89% $ 22.0 0.71% $ 24.4 0.68%
Specialty Finance - Commercial 12.1 0.75% 30.9 1.80% 18.5 1.04% 11.0 0.72%
Commercial Finance 10.3 0.51% 21.7 1.10% 7.0 0.36% 11.4 0.56%
Structured Finance (2.1) -0.40% 62.8 12.75% 4.1 0.89% -- 0.00%
-------- -------- -------- --------
Total Commercial 54.2 0.76% 142.2 1.97% 51.6 0.71% 46.8 0.62%
Specialty Finance - Consumer 14.1 1.91% 14.6 1.47% 15.1 1.42% 13.3 1.25%
-------- -------- -------- --------
Total $ 68.3 0.87% $ 156.8 1.91% $ 66.7 0.80% $ 60.1 0.70%
-------- -------- -------- --------
Fin Rec Past Due 60 days or more - Owned
Equipment Finance & Leasing $ 466.5 4.08% $ 427.6 3.67% $ 377.1 3.10% $ 399.8 2.88%
Specialty Finance - Commercial 259.5 3.97% 278.7 4.38% 283.1 4.04% 184.9 3.07%
Commercial Finance 151.4 1.75% 125.5 1.62% 105.0 1.31% 107.9 1.40%
Structured Finance 38.3 1.75% 91.0 4.46% 117.7 6.13% 96.2 5.59%
-------- -------- -------- --------
Total Commercial 915.7 3.18% 922.8 3.29% 882.9 3.03% 788.8 2.69%
Specialty Finance - Consumer 188.2 6.12% 165.9 5.97% 199.7 4.76% 211.1 5.03%
-------- -------- -------- --------
Total $1,103.9 3.46% $1,088.7 3.53% $1,082.6 3.25% $ 999.9 2.98%
-------- -------- -------- --------
Non-Performing Assets - Owned
Equipment Finance & Leasing $ 459.1 4.02% $ 356.3 2.99% $ 349.2 2.87% $ 351.0 2.53%
Specialty Finance - Commercial 124.2 1.90% 146.1 2.29% 163.6 2.33% 93.9 1.56%
Commercial Finance 106.0 1.22% 73.4 0.94% 67.9 0.85% 65.3 0.85%
Structured Finance 110.4 5.05% 109.0 5.34% 130.0 6.77% 118.6 6.90%
-------- -------- -------- --------
Total Commercial 799.7 2.78% 684.8 2.44% 710.7 2.44% 628.8 2.15%
Specialty Finance - Consumer 170.0 5.53% 165.2 5.94% 187.6 4.47% 199.3 4.75%
-------- -------- -------- --------
Total $ 969.7 3.04% $ 850.0 2.75% $ 898.3 2.70% $ 828.1 2.47%
-------- -------- -------- --------
Fin Rec Past Due 60 days or more - Managed
Equipment Finance & Leasing $ 810.5 5.06% $ 776.2 4.64% $ 730.6 4.33% $ 661.3 3.21%
Specialty Finance - Commercial 386.4 3.57% 390.2 3.59% 425.9 3.59% 424.3 4.44%
Commercial Finance 151.4 1.75% 125.5 1.61% 107.7 1.35% 113.3 1.47%
Structured Finance 38.3 1.75% 91.0 3.48% 117.7 4.69% 96.2 4.10%
-------- -------- -------- --------
Total Commercial 1,386.6 3.63% 1,382.9 3.64% 1,381.9 3.52% 1,295.1 3.22%
Specialty Finance - Consumer 253.2 4.32% 230.9 4.14% 263.5 3.63% 264.0 3.65%
-------- -------- -------- --------
Total $1,639.8 3.72% $1,613.8 3.70% $1,645.4 3.54% $1,559.1 3.29%
-------- -------- -------- --------
* Data as of or for the quarter ending, as applicable.