<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