<ARTICLE> 5
<LEGEND>
This schedule contains summary financial information extracted from Form
10-Q and is qualified in its entirety by reference to such financial 
information.
</LEGEND>
<MULTIPLIER> 1,000,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          OCT-31-1996
<PERIOD-START>                             NOV-01-1995
<PERIOD-END>                               JUL-31-1996
<CASH>                                             168
<SECURITIES>                                         0
<RECEIVABLES>                                     5312
<ALLOWANCES>                                        81
<INVENTORY>                                          0
<CURRENT-ASSETS>                                     0
<PP&E>                                              17
<DEPRECIATION>                                      11
<TOTAL-ASSETS>                                    5704
<CURRENT-LIABILITIES>                                0
<BONDS>                                           1446
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           113
<OTHER-SE>                                         648
<TOTAL-LIABILITY-AND-EQUITY>                      5704
<SALES>                                              0
<TOTAL-REVENUES>                                   477
<CGS>                                                0
<TOTAL-COSTS>                                       24
<OTHER-EXPENSES>                                     0
<LOSS-PROVISION>                                    24
<INTEREST-EXPENSE>                                 201
<INCOME-PRETAX>                                    158
<INCOME-TAX>                                        55
<INCOME-CONTINUING>                                103
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       103
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0