<ARTICLE> 5 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1,000,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> OCT-31-1999 <PERIOD-START> NOV-01-1998 <PERIOD-END> OCT-31-1999 <CASH> 149 <SECURITIES> 0 <RECEIVABLES> 6059 <ALLOWANCES> 84 <INVENTORY> 0 <CURRENT-ASSETS> 0 <PP&E> 35 <DEPRECIATION> 16 <TOTAL-ASSETS> 7505 <CURRENT-LIABILITIES> 0 <BONDS> 2501 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 113 <OTHER-SE> 885 <TOTAL-LIABILITY-AND-EQUITY> 7505 <SALES> 0 <TOTAL-REVENUES> 959 <CGS> 0 <TOTAL-COSTS> 162 <OTHER-EXPENSES> 0 <LOSS-PROVISION> 62 <INTEREST-EXPENSE> 361 <INCOME-PRETAX> 236 <INCOME-TAX> 82 <INCOME-CONTINUING> 154 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 153 <EPS-BASIC> 0 <EPS-DILUTED> 0