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(\(22%\)) Tj
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(\(17%\)) Tj
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709.32 311.64  TD
(\(10%\)) Tj
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BT
660.48 303.96  TD
-0.0268  Tc (1,074) Tj
ET
Q 
q 
709.32 302.88 18.48 7.08 re h W n 
BT
709.32 303.96  TD
(\(22%\)) Tj
ET
Q 
q 
64.2 295.32 17.4 6.96 re h W n 
BT
64.2 296.88  TD
-0.0254  Tc (Other) Tj
ET
Q 
q 
311.28 295.2 11.52 7.08 re h W n 
BT
311.28 296.28  TD
-0.0298  Tc (147) Tj
ET
Q 
q 
373.8 295.2 11.52 7.08 re h W n 
BT
373.8 296.28  TD
-0.0298  Tc (333) Tj
ET
Q 
q 
438 295.2 11.52 7.08 re h W n 
BT
438 296.28  TD
-0.0298  Tc (207) Tj
ET
Q 
q 
483.24 295.2 18.48 7.08 re h W n 
BT
483.24 296.28  TD
(\(56%\)) Tj
ET
Q 
q 
534.84 295.2 18.48 7.08 re h W n 
BT
534.84 296.28  TD
(\(29%\)) Tj
ET
Q 
q 
603.72 295.2 11.52 7.08 re h W n 
BT
603.72 296.28  TD
-0.0298  Tc (647) Tj
ET
Q 
q 
666.24 295.2 11.52 7.08 re h W n 
BT
666.24 296.28  TD
-0.0298  Tc (991) Tj
ET
Q 
q 
709.32 295.2 18.48 7.08 re h W n 
BT
709.32 296.28  TD
(\(35%\)) Tj
ET
Q 
q 
64.2 287.64 98.76 6.96 re h W n 
BT
64.2 289.2  TD
-0.0219  Tc 0.007  Tw (Restructuring and other charges) Tj
ET
Q 
q 
311.28 287.52 11.52 7.08 re h W n 
BT
311.28 288.6  TD
-0.0298  Tc (235) Tj
ET
Q 
q 
381.48 287.52 3.84 7.08 re h W n 
BT
381.48 288.6  TD
-0.0298  Tc (0) Tj
ET
Q 
q 
445.68 287.52 3.84 7.08 re h W n 
BT
445.68 288.6  TD
-0.0298  Tc (0) Tj
ET
Q 
q 
491.28 287.52 10.44 7.08 re h W n 
BT
491.28 288.6  TD
0.0526  Tc -0.0674  Tw (  *  ) Tj
ET
Q 
q 
542.88 287.52 10.44 7.08 re h W n 
BT
542.88 288.6  TD
0.0526  Tc -0.0674  Tw (  *  ) Tj
ET
Q 
q 
603.72 287.52 11.52 7.08 re h W n 
BT
603.72 288.6  TD
-0.0298  Tc (235) Tj
ET
Q 
q 
673.92 287.52 3.84 7.08 re h W n 
BT
673.92 288.6  TD
-0.0298  Tc (0) Tj
ET
Q 
q 
717.36 287.52 10.44 7.08 re h W n 
BT
717.36 288.6  TD
0.0526  Tc -0.0674  Tw (  *  ) Tj
ET
Q 
q 
86.16 279.48 85.32 7.44 re h W n 
BT
86.16 281.04  TD
-0.0212  Tc 0.0063  Tw (Total non-interest expenses) Tj
ET
Q 
q 
305.52 279.36 17.28 7.56 re h W n 
BT
305.52 280.68  TD
-0.0268  Tc (2,468) Tj
ET
Q 
q 
368.04 279.36 17.28 7.56 re h W n 
BT
368.04 280.68  TD
-0.0268  Tc (2,648) Tj
ET
Q 
q 
432.24 279.36 17.28 7.56 re h W n 
BT
432.24 280.68  TD
-0.0268  Tc (3,053) Tj
ET
Q 
q 
487.08 279.36 14.64 7.56 re h W n 
BT
487.08 280.68  TD
0.0169  Tc (\(7%\)) Tj
ET
Q 
q 
534.84 279.36 18.48 7.56 re h W n 
BT
534.84 280.68  TD
(\(19%\)) Tj
ET
Q 
q 
594.12 279.36 21.12 7.56 re h W n 
BT
594.12 280.68  TD
-0.0273  Tc (12,021) Tj
ET
Q 
q 
656.64 279.36 21.12 7.56 re h W n 
BT
656.64 280.68  TD
-0.0273  Tc (13,927) Tj
ET
Q 
q 
709.32 279.36 18.48 7.56 re h W n 
BT
709.32 280.68  TD
(\(14%\)) Tj
ET
Q 
q 
64.2 271.8 156.48 6.96 re h W n 
BT
64.2 273.36  TD
-0.0279  Tc 0.013  Tw (Income before taxes, extraordinary item, dividends ) Tj
ET
Q 
BT
64.2 264.6  TD
-0.0166  Tc 0.0017  Tw (  on pref. sec. and cumulative effect of acctg. change) Tj
247.08 -0.12  TD -0.0298  Tc 0  Tw (854) Tj
56.76 0  TD -0.0268  Tc (1,091) Tj
69.96 0  TD -0.0298  Tc (650) Tj
45.24 0  TD 0.0075  Tc (\(22%\)) Tj
53.88 0  TD -0.0423  Tc (31%) Tj
60.84 0  TD -0.0268  Tc (3,531) Tj
62.52 0  TD (4,607) Tj
48.84 0  TD 0.0075  Tc (\(23%\)) Tj
ET
q 
64.2 255.84 61.68 6.48 re h W n 
BT
64.2 257.4  TD
-0.036  Tc 0.0211  Tw (Income tax expense) Tj
ET
Q 
q 
311.28 255.72 11.52 6.6 re h W n 
BT
311.28 256.56  TD
-0.0298  Tc (294) Tj
ET
Q 
q 
373.8 255.72 11.52 6.6 re h W n 
BT
373.8 256.56  TD
-0.0298  Tc (392) Tj
ET
Q 
q 
438 255.72 11.52 6.6 re h W n 
BT
438 256.56  TD
-0.0298  Tc (228) Tj
ET
Q 
q 
483.24 255.72 18.48 6.6 re h W n 
BT
483.24 256.56  TD
(\(25%\)) Tj
ET
Q 
q 
537.12 255.72 13.92 6.6 re h W n 
BT
537.12 256.56  TD
-0.0423  Tc (29%) Tj
ET
Q 
q 
597.96 255.72 17.28 6.6 re h W n 
BT
597.96 256.56  TD
-0.0268  Tc (1,223) Tj
ET
Q 
q 
660.48 255.72 17.28 6.6 re h W n 
BT
660.48 256.56  TD
-0.0268  Tc (1,649) Tj
ET
Q 
q 
709.32 255.72 18.48 6.6 re h W n 
BT
709.32 256.56  TD
(\(26%\)) Tj
ET
Q 
BT
64.2 248.64  TD
-0.0196  Tc 0.0047  Tw (Div. on pref. sec. subject to mandatory redemption) Tj
250.92 -0.12  TD -0.0298  Tc 0  Tw (22) Tj
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64.2 0  TD (21) Tj
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51.48 0  TD -0.0486  Tc 0  Tw (5%) Tj
66.6 0  TD -0.0298  Tc (87) Tj
62.52 0  TD (50) Tj
41.52 0  TD -0.0423  Tc (74%) Tj
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0 -8.76  TD -0.0146  Tc -0  Tw (             cumulative effect of accounting change) Tj
247.08 -0.12  TD -0.0298  Tc 0  Tw (538) Tj
62.52 0  TD (677) Tj
64.2 0  TD (401) Tj
45.24 0  TD 0.0075  Tc (\(21%\)) Tj
53.88 0  TD -0.0423  Tc (34%) Tj
60.84 0  TD -0.0268  Tc (2,221) Tj
62.52 0  TD (2,908) Tj
48.84 0  TD 0.0075  Tc (\(24%\)) Tj
ET
q 
64.2 221.88 66.24 6.96 re h W n 
BT
64.2 223.44  TD
-0.0318  Tc 0.017  Tw (Extraordinary item \(1\)) Tj
ET
Q 
q 
318.96 221.76 3.84 7.08 re h W n 
BT
318.96 222.84  TD
-0.0298  Tc (0) Tj
ET
Q 
q 
381.48 221.76 3.84 7.08 re h W n 
BT
381.48 222.84  TD
-0.0298  Tc (0) Tj
ET
Q 
q 
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BT
445.68 222.84  TD
-0.0298  Tc (0) Tj
ET
Q 
q 
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BT
489.48 222.84  TD
-0.0377  Tc 0.0228  Tw (  --  ) Tj
ET
Q 
q 
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BT
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-0.0377  Tc 0.0228  Tw (  --  ) Tj
ET
Q 
q 
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BT
611.4 222.84  TD
-0.0298  Tc (0) Tj
ET
Q 
q 
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BT
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1 0 0 rg 
-0.0337  Tc (\(30\)) Tj
ET
Q 
q 
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BT
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0.0526  Tc -0.0674  Tw (  *  ) Tj
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Q 
q 
64.2 214.2 131.64 6.96 re h W n 
BT
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-0.0159  Tc 0.001  Tw (Cumulative effect of accounting change \(2\)) Tj
ET
Q 
q 
318.96 214.08 3.84 7.08 re h W n 
BT
318.96 215.16  TD
-0.0298  Tc (0) Tj
ET
Q 
q 
381.48 214.08 3.84 7.08 re h W n 
BT
381.48 215.16  TD
-0.0298  Tc (0) Tj
ET
Q 
q 
445.68 214.08 3.84 7.08 re h W n 
BT
445.68 215.16  TD
-0.0298  Tc (0) Tj
ET
Q 
q 
489.48 214.08 12.24 7.08 re h W n 
BT
489.48 215.16  TD
-0.0377  Tc 0.0228  Tw (  --  ) Tj
ET
Q 
q 
541.08 214.08 12.24 7.08 re h W n 
BT
541.08 215.16  TD
-0.0377  Tc 0.0228  Tw (  --  ) Tj
ET
Q 
q 
611.4 214.08 3.84 7.08 re h W n 
BT
611.4 215.16  TD
-0.0298  Tc (0) Tj
ET
Q 
q 
667.8 214.08 12.24 7.08 re h W n 
BT
667.8 215.16  TD
1 0 0 rg 
-0.0337  Tc (\(46\)) Tj
ET
Q 
q 
717.36 214.08 10.44 7.08 re h W n 
BT
717.36 215.16  TD
0.0526  Tc -0.0674  Tw (  *  ) Tj
ET
Q 
q 
64.2 207.12 35.16 6.36 re h W n 
BT
64.2 208.68  TD
0.0109  Tc -0.0258  Tw (Net income) Tj
ET
Q 
q 
268.32 206.4 3.84 7.08 re h W n 
BT
268.32 207.48  TD
-0.0298  Tc ($) Tj
ET
Q 
q 
311.28 206.4 11.52 7.08 re h W n 
BT
311.28 207.48  TD
-0.0298  Tc (538) Tj
ET
Q 
q 
330.84 206.4 3.84 7.08 re h W n 
BT
330.84 207.48  TD
-0.0298  Tc ($) Tj
ET
Q 
q 
373.8 206.4 11.52 7.08 re h W n 
BT
373.8 207.48  TD
-0.0298  Tc (677) Tj
ET
Q 
q 
395.04 206.4 3.84 7.08 re h W n 
BT
395.04 207.48  TD
-0.0298  Tc ($) Tj
ET
Q 
q 
438 206.4 11.52 7.08 re h W n 
BT
438 207.48  TD
-0.0298  Tc (401) Tj
ET
Q 
q 
483.24 206.4 18.48 7.08 re h W n 
BT
483.24 207.48  TD
(\(21%\)) Tj
ET
Q 
q 
537.12 206.4 13.92 7.08 re h W n 
BT
537.12 207.48  TD
-0.0423  Tc (34%) Tj
ET
Q 
q 
560.76 206.4 3.84 7.08 re h W n 
BT
560.76 207.48  TD
-0.0298  Tc ($) Tj
ET
Q 
q 
597.96 206.4 17.28 7.08 re h W n 
BT
597.96 207.48  TD
-0.0268  Tc (2,221) Tj
ET
Q 
q 
623.28 206.4 3.84 7.08 re h W n 
BT
623.28 207.48  TD
-0.0298  Tc ($) Tj
ET
Q 
q 
660.48 206.4 17.28 7.08 re h W n 
BT
660.48 207.48  TD
-0.0268  Tc (2,832) Tj
ET
Q 
q 
709.32 206.4 18.48 7.08 re h W n 
BT
709.32 207.48  TD
(\(22%\)) Tj
ET
Q 
BT
64.2 187.56  TD
-0.0162  Tc 0.0013  Tw (Compensation and benefits as a % of net revenues) Tj
246.96 -0.12  TD -0.0423  Tc 0  Tw (29%) Tj
62.52 0  TD (33%) Tj
64.2 0  TD (50%) Tj
165.72 0  TD (46%) Tj
62.52 0  TD (46%) Tj
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246.96 -0.12  TD -0.0423  Tc 0  Tw (45%) Tj
62.52 0  TD (38%) Tj
64.2 0  TD (32%) Tj
165.72 0  TD (31%) Tj
62.52 0  TD (29%) Tj
ET
q 
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BT
64.2 171.12  TD
-0.012  Tc -0.0029  Tw (Profit margin \(3\)) Tj
ET
Q 
q 
311.16 169.44 13.92 7.08 re h W n 
BT
311.16 170.52  TD
(16%) Tj
ET
Q 
q 
373.68 169.44 13.92 7.08 re h W n 
BT
373.68 170.52  TD
(18%) Tj
ET
Q 
q 
437.88 169.44 13.92 7.08 re h W n 
BT
437.88 170.52  TD
(11%) Tj
ET
Q 
q 
603.6 169.44 13.92 7.08 re h W n 
BT
603.6 170.52  TD
(14%) Tj
ET
Q 
q 
666.12 169.44 13.92 7.08 re h W n 
BT
666.12 170.52  TD
(16%) Tj
ET
Q 
q 
64.2 160.92 78 5.88 re h W n 
BT
64.2 162.48  TD
-0.0236  Tc 0.0087  Tw (Number of employees \(4\)) Tj
ET
Q 
q 
303.96 160.8 21.12 6 re h W n 
BT
303.96 161.28  TD
-0.0273  Tc (40,424) Tj
ET
Q 
q 
366.48 160.8 21.12 6 re h W n 
BT
366.48 161.28  TD
-0.0273  Tc (45,110) Tj
ET
Q 
q 
430.68 160.8 21.12 6 re h W n 
BT
430.68 161.28  TD
-0.0273  Tc (42,585) Tj
ET
Q 
q 
483.24 160.8 18.48 6 re h W n 
BT
483.24 161.28  TD
0.0075  Tc (\(10%\)) Tj
ET
Q 
q 
538.68 160.8 14.64 6 re h W n 
BT
538.68 161.28  TD
0.0169  Tc (\(5%\)) Tj
ET
Q 
BT
64.2 151.68  TD
-0.035  Tc (\(1\)) Tj
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21.96 0  TD -0.0155  Tc 0  Tw (Net income excluding cumulative effect of accounting change as a % of net revenues.) Tj
ET
q 
64.2 124.44 8.4 7.44 re h W n 
BT
64.2 126  TD
-0.035  Tc 0  Tw (\(4\)) Tj
ET
Q 
q 
86.16 124.44 363.84 7.44 re h W n 
BT
86.16 126  TD
-0.0255  Tc 0.0107  Tw (Includes Institutional Securities, Individual Investor Group, Investment Management and Infrastructure/Company areas.) Tj
ET
Q 
q 
64.2 116.28 16.56 7.44 re h W n 
BT
64.2 117.84  TD
-0.0149  Tc 0  Tw (Note:) Tj
ET
Q 
q 
86.16 116.28 318.96 7.44 re h W n 
BT
86.16 117.84  TD
-0.0169  Tc 0.002  Tw (Certain reclassifications have been made to prior period amounts to conform to the current presentation.) Tj
ET
Q 
q 
387.24 109.08 18 6.48 re h W n 
BT
387.24 110.64  TD
-0.0374  Tc 0.0226  Tw (F - 11) Tj
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Q 
267 456.12 186.12 0.6 re f
457.92 456.12 96.72 0.6 re f
267 447.36 59.4 0.6 re f
329.52 447.36 59.4 0.6 re f
393.72 447.36 59.4 0.6 re f
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509.52 447.36 45.12 0.6 re f
559.44 447.36 59.4 0.6 re f
621.96 447.36 59.4 0.6 re f
267 377.64 59.4 0.6 re f
329.52 377.64 59.4 0.6 re f
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267 360.12 59.4 0.6 re f
329.52 360.12 59.4 0.6 re f
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0 -10.2  TD -0.0271  Tc 0.0052  Tw (individual investor group and investment management businesses. Morgan Stanley believes that a combined presentation is informative due to certain synergies) Tj
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T* -0.0176  Tc -0.0043  Tw (Morgan Stanley also provides this type of presentation for its credit services activities \(page F-12\) in order to provide helpful comparison to other credit card issuers.) Tj
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28.32 0  TD 0.0504  Tc ($) Tj
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28.32 0  TD 0.0504  Tc ($) Tj
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55.44 0  TD 0.0378  Tc (12%) Tj
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55.44 0  TD 0.0378  Tc (13%) Tj
53.64 0  TD 0.0315  Tc (8%) Tj
19.08 0  TD 0.0504  Tc ($) Tj
33.36 0  TD 0.0362  Tc (21,054) Tj
28.32 0  TD 0.0504  Tc ($) Tj
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33.36 0  TD 0.0362  Tc (51,143) Tj
28.32 0  TD 0.0504  Tc ($) Tj
33.36 0  TD 0.0362  Tc (49,332) Tj
28.32 0  TD 0.0504  Tc ($) Tj
33.36 0  TD 0.0362  Tc (49,677) Tj
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49.92 0  TD (3%) Tj
19.08 0  TD 0.0504  Tc ($) Tj
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61.68 0  TD (12.86%) Tj
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61.68 0  TD (8.92%) Tj
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29.76 0  TD 0.0235  Tc ($) Tj
38.28 0  TD 0.0092  Tc (18.64) Tj
29.76 0  TD 0.0235  Tc ($) Tj
38.28 0  TD 0.0092  Tc (19.59) Tj
60.84 0  TD 0.0447  Tc (9%) Tj
53.28 0  TD (3%) Tj
-491.16 -8.64  TD 0.0128  Tc -0.061  Tw (Shareholders' equity \(millions\) \(1\)) Tj
202.68 -0.12  TD 0.0235  Tc 0  Tw ($) Tj
34.32 0  TD 0.0116  Tc (23,096) Tj
33.72 0  TD 0.0235  Tc ($) Tj
34.32 0  TD 0.0116  Tc (21,926) Tj
33.72 0  TD 0.0235  Tc ($) Tj
34.32 0  TD 0.0116  Tc (22,626) Tj
64.8 0  TD 0.0447  Tc (5%) Tj
53.28 0  TD (2%) Tj
-491.16 -8.64  TD 0.011  Tc -0.0593  Tw (Total capital \(millions\) \(2\)) Tj
202.68 -0.12  TD 0.0235  Tc 0  Tw ($) Tj
34.32 0  TD 0.0116  Tc (65,936) Tj
33.72 0  TD 0.0235  Tc ($) Tj
34.32 0  TD 0.0116  Tc (61,633) Tj
33.72 0  TD 0.0235  Tc ($) Tj
34.32 0  TD 0.0116  Tc (66,631) Tj
64.8 0  TD 0.0447  Tc (7%) Tj
50.88 0  TD -0.0165  Tc (\(1%\)) Tj
-488.76 -8.64  TD 0.0292  Tc -0.0775  Tw (Worldwide employees) Tj
237 -0.12  TD 0.0116  Tc 0  Tw (55,726) Tj
68.04 0  TD (61,319) Tj
68.04 0  TD (57,799) Tj
62.4 0  TD -0.0165  Tc (\(9%\)) Tj
53.28 0  TD (\(4%\)) Tj
ET
q 
51.48 374.16 75.84 8.16 re h W n 
BT
51.48 375.84  TD
/F0 7.08  Tf
-0.0019  Tc -0.0463  Tw (Institutional Securities) Tj
ET
Q 
BT
51.48 367.08  TD
0.0273  Tc -0.0755  Tw (Advisory revenue \(millions\)) Tj
202.68 -0.12  TD 0.0235  Tc 0  Tw ($) Tj
44.16 0  TD (271) Tj
23.88 0  TD ($) Tj
44.16 0  TD (322) Tj
23.88 0  TD ($) Tj
44.16 0  TD (149) Tj
48.6 0  TD -0.0085  Tc (\(16%\)) Tj
55.68 0  TD 0.0376  Tc (82%) Tj
26.16 0  TD 0.0235  Tc ($) Tj
44.16 0  TD (962) Tj
23.88 0  TD ($) Tj
38.28 0  TD 0.0092  Tc (1,420) Tj
50.52 0  TD -0.0085  Tc (\(32%\)) Tj
ET
q 
51.48 357.36 98.16 7.44 re h W n 
BT
51.48 358.92  TD
0.0239  Tc -0.0722  Tw (Underwriting revenue \(millions\)) Tj
ET
Q 
q 
254.16 357.24 3.96 7.56 re h W n 
BT
254.16 358.56  TD
0.0235  Tc ($) Tj
ET
Q 
q 
298.32 357.24 11.88 7.56 re h W n 
BT
298.32 358.56  TD
0.0235  Tc (346) Tj
ET
Q 
q 
322.2 357.24 3.96 7.56 re h W n 
BT
322.2 358.56  TD
0.0235  Tc ($) Tj
ET
Q 
q 
366.36 357.24 11.88 7.56 re h W n 
BT
366.36 358.56  TD
0.0235  Tc (413) Tj
ET
Q 
q 
390.24 357.24 3.96 7.56 re h W n 
BT
390.24 358.56  TD
0.0235  Tc ($) Tj
ET
Q 
q 
434.4 357.24 11.88 7.56 re h W n 
BT
434.4 358.56  TD
0.0235  Tc (264) Tj
ET
Q 
q 
483 357.24 18.96 7.56 re h W n 
BT
483 358.56  TD
(\(16%\)) Tj
ET
Q 
q 
538.68 357.24 14.16 7.56 re h W n 
BT
538.68 358.56  TD
0.0376  Tc (31%) Tj
ET
Q 
q 
564.84 357.24 3.96 7.56 re h W n 
BT
564.84 358.56  TD
0.0235  Tc ($) Tj
ET
Q 
q 
603.12 357.24 17.76 7.56 re h W n 
BT
603.12 358.56  TD
0.0092  Tc (1,278) Tj
ET
Q 
q 
632.88 357.24 3.96 7.56 re h W n 
BT
632.88 358.56  TD
0.0235  Tc ($) Tj
ET
Q 
q 
671.16 357.24 17.76 7.56 re h W n 
BT
671.16 358.56  TD
0.0092  Tc (1,671) Tj
ET
Q 
q 
721.68 357.24 18.96 7.56 re h W n 
BT
721.68 358.56  TD
(\(24%\)) Tj
ET
Q 
q 
51.48 344.64 135.84 7.44 re h W n 
BT
51.48 346.2  TD
0.0204  Tc -0.0686  Tw (Sales and trading net revenue \(millions\) \(3\)) Tj
ET
Q 
q 
74.16 336.48 19.56 7.44 re h W n 
BT
74.16 338.04  TD
-0.0192  Tc (Equity) Tj
ET
Q 
q 
254.16 336.36 3.96 7.56 re h W n 
BT
254.16 337.68  TD
0.0235  Tc ($) Tj
ET
Q 
q 
298.32 336.36 11.88 7.56 re h W n 
BT
298.32 337.68  TD
0.0235  Tc (634) Tj
ET
Q 
q 
322.2 336.36 3.96 7.56 re h W n 
BT
322.2 337.68  TD
0.0235  Tc ($) Tj
ET
Q 
q 
366.36 336.36 11.88 7.56 re h W n 
BT
366.36 337.68  TD
0.0235  Tc (858) Tj
ET
Q 
q 
390.24 336.36 3.96 7.56 re h W n 
BT
390.24 337.68  TD
0.0235  Tc ($) Tj
ET
Q 
q 
428.52 336.36 17.76 7.56 re h W n 
BT
428.52 337.68  TD
0.0092  Tc (1,066) Tj
ET
Q 
q 
483 336.36 18.96 7.56 re h W n 
BT
483 337.68  TD
(\(26%\)) Tj
ET
Q 
q 
536.28 336.36 18.96 7.56 re h W n 
BT
536.28 337.68  TD
(\(41%\)) Tj
ET
Q 
q 
564.84 336.36 3.96 7.56 re h W n 
BT
564.84 337.68  TD
0.0235  Tc ($) Tj
ET
Q 
q 
603.12 336.36 17.76 7.56 re h W n 
BT
603.12 337.68  TD
0.0092  Tc (3,584) Tj
ET
Q 
q 
632.88 336.36 3.96 7.56 re h W n 
BT
632.88 337.68  TD
0.0235  Tc ($) Tj
ET
Q 
q 
671.16 336.36 17.76 7.56 re h W n 
BT
671.16 337.68  TD
0.0092  Tc (4,615) Tj
ET
Q 
q 
721.68 336.36 18.96 7.56 re h W n 
BT
721.68 337.68  TD
(\(22%\)) Tj
ET
Q 
q 
74.16 328.32 42.12 7.44 re h W n 
BT
74.16 329.88  TD
0.0064  Tc -0.0547  Tw (Fixed income) Tj
ET
Q 
q 
254.16 328.2 3.96 7.56 re h W n 
BT
254.16 329.52  TD
0.0235  Tc ($) Tj
ET
Q 
q 
298.32 328.2 11.88 7.56 re h W n 
BT
298.32 329.52  TD
0.0235  Tc (589) Tj
ET
Q 
q 
322.2 328.2 3.96 7.56 re h W n 
BT
322.2 329.52  TD
0.0235  Tc ($) Tj
ET
Q 
q 
366.36 328.2 11.88 7.56 re h W n 
BT
366.36 329.52  TD
0.0235  Tc (755) Tj
ET
Q 
q 
390.24 328.2 3.96 7.56 re h W n 
BT
390.24 329.52  TD
0.0235  Tc ($) Tj
ET
Q 
q 
434.4 328.2 11.88 7.56 re h W n 
BT
434.4 329.52  TD
0.0235  Tc (698) Tj
ET
Q 
q 
483 328.2 18.96 7.56 re h W n 
BT
483 329.52  TD
(\(22%\)) Tj
ET
Q 
q 
536.28 328.2 18.96 7.56 re h W n 
BT
536.28 329.52  TD
(\(16%\)) Tj
ET
Q 
q 
564.84 328.2 3.96 7.56 re h W n 
BT
564.84 329.52  TD
0.0235  Tc ($) Tj
ET
Q 
q 
603.12 328.2 17.76 7.56 re h W n 
BT
603.12 329.52  TD
0.0092  Tc (3,265) Tj
ET
Q 
q 
632.88 328.2 3.96 7.56 re h W n 
BT
632.88 329.52  TD
0.0235  Tc ($) Tj
ET
Q 
q 
671.16 328.2 17.76 7.56 re h W n 
BT
671.16 329.52  TD
0.0092  Tc (3,909) Tj
ET
Q 
q 
721.68 328.2 18.96 7.56 re h W n 
BT
721.68 329.52  TD
(\(16%\)) Tj
ET
Q 
q 
51.48 320.16 167.28 7.44 re h W n 
BT
51.48 321.72  TD
0.0233  Tc -0.0715  Tw (Mergers and acquisitions announced transactions \(4\)) Tj
ET
Q 
q 
74.16 312 147.48 7.44 re h W n 
BT
74.16 313.56  TD
0.0139  Tc -0.0622  Tw (Morgan Stanley global market volume \(billions\)) Tj
ET
Q 
q 
254.16 311.88 3.96 7.56 re h W n 
BT
254.16 313.2  TD
0.0235  Tc ($) Tj
ET
Q 
q 
292.44 311.88 17.76 7.56 re h W n 
BT
292.44 313.2  TD
-0.0148  Tc (198.0) Tj
ET
Q 
q 
322.2 311.88 3.96 7.56 re h W n 
BT
322.2 313.2  TD
0.0235  Tc ($) Tj
ET
Q 
q 
360.48 311.88 17.76 7.56 re h W n 
BT
360.48 313.2  TD
-0.0148  Tc (395.0) Tj
ET
Q 
q 
390.24 311.88 3.96 7.56 re h W n 
BT
390.24 313.2  TD
0.0235  Tc ($) Tj
ET
Q 
q 
428.52 311.88 17.76 7.56 re h W n 
BT
428.52 313.2  TD
-0.0148  Tc (126.9) Tj
ET
Q 
q 
74.16 303.84 16.68 7.44 re h W n 
BT
74.16 305.4  TD
0.0388  Tc (Rank) Tj
ET
Q 
q 
306.24 303.72 3.96 7.56 re h W n 
BT
306.24 305.04  TD
0.0235  Tc (3) Tj
ET
Q 
q 
374.28 303.72 3.96 7.56 re h W n 
BT
374.28 305.04  TD
0.0235  Tc (3) Tj
ET
Q 
q 
442.32 303.72 3.96 7.56 re h W n 
BT
442.32 305.04  TD
0.0235  Tc (4) Tj
ET
Q 
q 
51.48 295.68 124.56 7.44 re h W n 
BT
51.48 297.24  TD
0.0253  Tc -0.0735  Tw (Worldwide equity and related issues \(4\)) Tj
ET
Q 
q 
74.16 287.52 147.48 7.44 re h W n 
BT
74.16 289.08  TD
0.0139  Tc -0.0622  Tw (Morgan Stanley global market volume \(billions\)) Tj
ET
Q 
q 
254.16 287.4 3.96 7.56 re h W n 
BT
254.16 288.72  TD
0.0235  Tc ($) Tj
ET
Q 
q 
296.4 287.4 13.8 7.56 re h W n 
BT
296.4 288.72  TD
-0.0244  Tc (25.6) Tj
ET
Q 
q 
322.2 287.4 3.96 7.56 re h W n 
BT
322.2 288.72  TD
0.0235  Tc ($) Tj
ET
Q 
q 
364.44 287.4 13.8 7.56 re h W n 
BT
364.44 288.72  TD
-0.0244  Tc (40.2) Tj
ET
Q 
q 
390.24 287.4 3.96 7.56 re h W n 
BT
390.24 288.72  TD
0.0235  Tc ($) Tj
ET
Q 
q 
432.48 287.4 13.8 7.56 re h W n 
BT
432.48 288.72  TD
-0.0244  Tc (13.7) Tj
ET
Q 
q 
74.16 279.36 16.68 7.44 re h W n 
BT
74.16 280.92  TD
0.0388  Tc (Rank) Tj
ET
Q 
q 
306.24 279.24 3.96 7.56 re h W n 
BT
306.24 280.56  TD
0.0235  Tc (4) Tj
ET
Q 
q 
374.28 279.24 3.96 7.56 re h W n 
BT
374.28 280.56  TD
0.0235  Tc (4) Tj
ET
Q 
q 
442.32 279.24 3.96 7.56 re h W n 
BT
442.32 280.56  TD
0.0235  Tc (5) Tj
ET
Q 
q 
51.48 266.52 85.08 7.56 re h W n 
BT
51.48 268.2  TD
/F0 7.08  Tf
-0.0257  Tc -0.0226  Tw (Individual Investor Group) Tj
ET
Q 
q 
51.48 258.48 77.28 7.44 re h W n 
BT
51.48 260.04  TD
0.0283  Tc -0.0765  Tw (Global financial advisors) Tj
ET
Q 
q 
288.48 258.36 21.72 7.56 re h W n 
BT
288.48 259.68  TD
0.0116  Tc (12,546) Tj
ET
Q 
q 
356.52 258.36 21.72 7.56 re h W n 
BT
356.52 259.68  TD
0.0116  Tc (13,690) Tj
ET
Q 
q 
424.56 258.36 21.72 7.56 re h W n 
BT
424.56 259.68  TD
0.0116  Tc (13,590) Tj
ET
Q 
q 
486.96 258.36 15 7.56 re h W n 
BT
486.96 259.68  TD
-0.0165  Tc (\(8%\)) Tj
ET
Q 
q 
540.24 258.36 15 7.56 re h W n 
BT
540.24 259.68  TD
-0.0165  Tc (\(8%\)) Tj
ET
Q 
q 
51.48 250.32 85.2 7.44 re h W n 
BT
51.48 251.88  TD
0.0135  Tc -0.0617  Tw (Total client assets \(billions\)) Tj
ET
Q 
q 
254.16 250.2 3.96 7.56 re h W n 
BT
254.16 251.52  TD
0.0235  Tc ($) Tj
ET
Q 
q 
298.32 250.2 11.88 7.56 re h W n 
BT
298.32 251.52  TD
0.0235  Tc (517) Tj
ET
Q 
q 
322.2 250.2 3.96 7.56 re h W n 
BT
322.2 251.52  TD
0.0235  Tc ($) Tj
ET
Q 
q 
366.36 250.2 11.88 7.56 re h W n 
BT
366.36 251.52  TD
0.0235  Tc (595) Tj
ET
Q 
q 
390.24 250.2 3.96 7.56 re h W n 
BT
390.24 251.52  TD
0.0235  Tc ($) Tj
ET
Q 
q 
434.4 250.2 11.88 7.56 re h W n 
BT
434.4 251.52  TD
0.0235  Tc (520) Tj
ET
Q 
q 
483 250.2 18.96 7.56 re h W n 
BT
483 251.52  TD
(\(13%\)) Tj
ET
Q 
q 
540.24 250.2 15 7.56 re h W n 
BT
540.24 251.52  TD
-0.0165  Tc (\(1%\)) Tj
ET
Q 
q 
51.48 242.16 143.04 7.44 re h W n 
BT
51.48 243.72  TD
0.0218  Tc -0.05  Tw (Fee-based client account assets \(billions\) \(5\) ) Tj
ET
Q 
q 
254.16 242.04 3.96 7.56 re h W n 
BT
254.16 243.36  TD
0.0235  Tc ($) Tj
ET
Q 
q 
298.32 242.04 11.88 7.56 re h W n 
BT
298.32 243.36  TD
0.0235  Tc (104) Tj
ET
Q 
q 
322.2 242.04 3.96 7.56 re h W n 
BT
322.2 243.36  TD
0.0235  Tc ($) Tj
ET
Q 
q 
366.36 242.04 11.88 7.56 re h W n 
BT
366.36 243.36  TD
0.0235  Tc (110) Tj
ET
Q 
q 
390.24 242.04 3.96 7.56 re h W n 
BT
390.24 243.36  TD
0.0235  Tc ($) Tj
ET
Q 
q 
434.4 242.04 11.88 7.56 re h W n 
BT
434.4 243.36  TD
0.0235  Tc (103) Tj
ET
Q 
q 
486.96 242.04 15 7.56 re h W n 
BT
486.96 243.36  TD
-0.0165  Tc (\(5%\)) Tj
ET
Q 
q 
542.64 242.04 10.2 7.56 re h W n 
BT
542.64 243.36  TD
0.0447  Tc (1%) Tj
ET
Q 
q 
51.48 234 76.92 7.44 re h W n 
BT
51.48 235.56  TD
0.0129  Tc -0.0612  Tw (Domestic retail locations) Tj
ET
Q 
q 
298.32 233.88 11.88 7.56 re h W n 
BT
298.32 235.2  TD
0.0235  Tc (606) Tj
ET
Q 
q 
366.36 233.88 11.88 7.56 re h W n 
BT
366.36 235.2  TD
0.0235  Tc (697) Tj
ET
Q 
q 
434.4 233.88 11.88 7.56 re h W n 
BT
434.4 235.2  TD
0.0235  Tc (649) Tj
ET
Q 
q 
483 233.88 18.96 7.56 re h W n 
BT
483 235.2  TD
(\(13%\)) Tj
ET
Q 
q 
540.24 233.88 15 7.56 re h W n 
BT
540.24 235.2  TD
-0.0165  Tc (\(7%\)) Tj
ET
Q 
BT
51.48 207  TD
0.0361  Tc (\(1\)) Tj
22.68 0  TD 0.0168  Tc -0.065  Tw (Includes preferred and common equity and preferred securities subject to mandatory redemption.) Tj
-22.68 -8.76  TD 0.0361  Tc 0  Tw (\(2\)) Tj
22.68 0  TD 0.0143  Tc -0.0625  Tw (Includes preferred and common equity, preferred securities subject to mandatory redemption, capital units and non-current portion of long-term debt.) Tj
-22.68 -8.76  TD 0.0361  Tc 0  Tw (\(3\)) Tj
22.68 0  TD 0.0176  Tc -0.0658  Tw (Includes principal trading, commissions and net interest revenue.) Tj
-22.68 -8.76  TD 0.0361  Tc 0  Tw (\(4\)) Tj
22.68 0  TD 0.0166  Tc -0.0648  Tw (Source: Thomson Financial Securities Data -  January 1 to December 18, 2002.) Tj
-22.68 -8.76  TD 0.0361  Tc 0  Tw (\(5\)) Tj
22.68 0  TD 0.024  Tc -0.0722  Tw (Represents the amount of assets in client accounts where the basis of payment for services is a fee calculated on those assets.) Tj
-22.68 -8.76  TD 0.0238  Tc 0  Tw (Note:) Tj
22.68 0  TD 0.0202  Tc -0.0684  Tw (Certain reclassifications have been made to prior period amounts to conform to the current presentation.) Tj
314.88 -52.56  TD -0.02  Tc -0.0282  Tw (F - 8) Tj
ET
252.72 461.16 197.4 0.6 re f
456.84 461.16 99.84 0.6 re f
252.72 452.4 61.32 0.6 re f
320.76 452.4 61.32 0.6 re f
388.8 452.4 61.32 0.6 re f
456.84 452.4 46.56 0.6 re f
510.12 452.4 46.56 0.6 re f
563.4 452.4 61.32 0.6 re f
631.44 452.4 61.32 0.6 re f
563.4 461.16 129.36 0.6 re f
699.48 452.4 42.6 0.6 re f
50.04 216.72 209.64 1.2 re f

endstream
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356.88 490.08 79.08 9.36 re h W n 
BT
356.88 492  TD
0 0 0 rg 
/F0 8.16  Tf
-0.0563  Tc 0.0678  Tw (MORGAN STANLEY ) Tj
ET
Q 
q 
305.4 480 181.92 9.36 re h W n 
BT
305.4 481.92  TD
0 0 0 rg 
/F0 8.16  Tf
0.012  Tc -0  Tw (Credit Services Income Statement Information ) Tj
ET
Q 
q 
336.84 469.92 119.16 9.36 re h W n 
BT
336.84 471.84  TD
0 0 0 rg 
/F0 8.16  Tf
0.0269  Tc -0.0154  Tw (\(unaudited, dollars in millions\)) Tj
ET
Q 
q 
354.6 459.84 83.64 9.36 re h W n 
BT
354.6 461.76  TD
0 0 0 rg 
/F0 8.16  Tf
0.0354  Tc -0.0239  Tw (\(Managed loan basis\)) Tj
ET
Q 
BT
319.32 442.2  TD
0 0 0 rg 
/F1 8.16  Tf
0.0189  Tc -0.0074  Tw (Quarter Ended) Tj
148.32 0  TD 0.0204  Tc -0.0088  Tw (Percentage Change From:) Tj
141.36 0  TD 0.0147  Tc -0.0032  Tw (Twelve Months Ended) Tj
118.32 0  TD 0.015  Tc 0  Tw (Percentage) Tj
-477.96 -10.2  TD 0.0281  Tc -0.0166  Tw (Nov 30, 2002) Tj
72.36 0  TD (Nov 30, 2001) Tj
72.48 0  TD 0.0153  Tc -0.0038  Tw (Aug 31, 2002) Tj
66.72 0  TD 0.0281  Tc -0.0166  Tw (Nov 30, 2001) Tj
61.2 0  TD 0.0153  Tc -0.0038  Tw (Aug 31, 2002) Tj
66.72 0  TD 0.0281  Tc -0.0166  Tw (Nov 30, 2002) Tj
72.36 0  TD (Nov 30, 2001) Tj
72.72 0  TD 0.0173  Tc 0  Tw (Change) Tj
-712.56 -14.64  TD 0.0224  Tc (Fees:) Tj
26.04 -10.08  TD 0.0259  Tc -0.0144  Tw (Merchant and cardmember) Tj
ET
q 
240.84 405.36 3.96 9.12 re h W n 
BT
240.84 407.16  TD
0.023  Tc 0  Tw ($) Tj
ET
Q 
BT
289.68 407.16  TD
0.023  Tc 0  Tw (542) Tj
ET
q 
313.2 405.36 3.96 9.12 re h W n 
BT
313.2 407.16  TD
($) Tj
ET
Q 
BT
362.04 407.16  TD
(543) Tj
ET
q 
385.56 405.36 3.96 9.12 re h W n 
BT
385.56 407.16  TD
($) Tj
ET
Q 
BT
434.4 407.16  TD
(525) Tj
61.08 0  TD 0.0427  Tc -0.0312  Tw (  --  ) Tj
61.32 0  TD 0.0444  Tc 0  Tw (3%) Tj
ET
q 
580.32 405.36 3.96 9.12 re h W n 
BT
580.32 407.16  TD
0.023  Tc ($) Tj
ET
Q 
BT
622.32 407.16  TD
0.0207  Tc (2,110) Tj
ET
q 
652.68 405.36 3.96 9.12 re h W n 
BT
652.68 407.16  TD
0.023  Tc ($) Tj
ET
Q 
BT
694.68 407.16  TD
(2,000) Tj
61.56 0  TD 0.0444  Tc (6%) Tj
-708.84 -9.96  TD 0.0185  Tc (Servicing) Tj
251.4 -0.12  TD 0.023  Tc (0) Tj
72.36 0  TD (0) Tj
72.36 0  TD (0) Tj
51.96 0  TD 0.0427  Tc -0.0312  Tw (  --  ) Tj
61.2 0  TD (  --  ) Tj
81.6 0  TD 0.023  Tc 0  Tw (0) Tj
72.36 0  TD (0) Tj
45.48 0  TD 0.0427  Tc -0.0312  Tw (  --  ) Tj
-734.76 -10.08  TD 0.0224  Tc 0  Tw (Other) Tj
277.44 0  TD 0.023  Tc (3) Tj
69.6 0  TD 1 0 0 rg 
0.0362  Tc (\(2\)) Tj
70.56 0  TD 0 0 0 rg 
0.023  Tc (25) Tj
47.52 0  TD 0.0337  Tc (250%) Tj
63 0  TD -0.0085  Tc (\(88%\)) Tj
84.24 0  TD 0.023  Tc (80) Tj
72.36 0  TD (91) Tj
42.84 0  TD -0.0085  Tc (\(12%\)) Tj
-701.52 -10.08  TD 0.0293  Tc -0.0178  Tw (Total non-interest revenues) Tj
242.28 -0.12  TD 0.023  Tc 0  Tw (545) Tj
72.36 0  TD (541) Tj
72.36 0  TD (550) Tj
61.2 0  TD 0.0444  Tc (1%) Tj
58.44 0  TD -0.0164  Tc (\(1%\)) Tj
68.28 0  TD 0.0207  Tc (2,190) Tj
72.36 0  TD (2,091) Tj
61.56 0  TD 0.0444  Tc (5%) Tj
-734.88 -13.44  TD 0.0283  Tc -0.0168  Tw (Interest revenue) Tj
261.48 -0.12  TD 0.0207  Tc 0  Tw (1,606) Tj
72.36 0  TD (1,696) Tj
72.36 0  TD (1,643) Tj
65.28 0  TD -0.0164  Tc (\(5%\)) Tj
61.2 0  TD (\(2%\)) Tj
68.28 0  TD 0.0207  Tc (6,474) Tj
72.36 0  TD (6,929) Tj
58.8 0  TD -0.0164  Tc (\(7%\)) Tj
-732.12 -9.96  TD 0.0094  Tc 0.0021  Tw (Interest expense) Tj
268.32 -0.12  TD 0.023  Tc 0  Tw (475) Tj
72.36 0  TD (562) Tj
72.36 0  TD (483) Tj
53.88 0  TD -0.0085  Tc (\(15%\)) Tj
65.76 0  TD -0.0164  Tc (\(2%\)) Tj
68.28 0  TD 0.0207  Tc (1,937) Tj
72.36 0  TD (2,747) Tj
54.24 0  TD -0.0085  Tc (\(29%\)) Tj
-701.52 -9.96  TD 0.0145  Tc -0.003  Tw (Net interest income) Tj
235.44 -0.12  TD 0.0207  Tc 0  Tw (1,131) Tj
72.36 0  TD (1,134) Tj
72.36 0  TD (1,160) Tj
67.92 0  TD 0.0427  Tc -0.0312  Tw (  --  ) Tj
58.56 0  TD -0.0164  Tc 0  Tw (\(3%\)) Tj
68.28 0  TD 0.0207  Tc (4,537) Tj
72.36 0  TD (4,182) Tj
61.56 0  TD 0.0444  Tc (8%) Tj
-734.88 -13.44  TD 0.0171  Tc -0.0056  Tw (Provision for consumer loan losses) Tj
268.32 -0.12  TD 0.023  Tc 0  Tw (749) Tj
72.36 0  TD (771) Tj
72.36 0  TD (777) Tj
58.44 0  TD -0.0164  Tc (\(3%\)) Tj
61.2 0  TD (\(4%\)) Tj
68.28 0  TD 0.0207  Tc (3,170) Tj
72.36 0  TD (2,714) Tj
57 0  TD 0.0373  Tc (17%) Tj
-704.28 -9.96  TD 0.0141  Tc -0.0026  Tw (Net credit income) Tj
242.28 -0.12  TD 0.023  Tc 0  Tw (382) Tj
72.36 0  TD (363) Tj
72.36 0  TD (383) Tj
61.2 0  TD 0.0444  Tc (5%) Tj
61.08 0  TD 0.0427  Tc -0.0312  Tw (  --  ) Tj
65.64 0  TD 0.0207  Tc 0  Tw (1,367) Tj
72.36 0  TD (1,468) Tj
58.8 0  TD -0.0164  Tc (\(7%\)) Tj
-706.08 -13.44  TD 0.0274  Tc -0.0158  Tw (Net revenues) Tj
242.28 -0.12  TD 0.023  Tc 0  Tw (927) Tj
72.36 0  TD (904) Tj
72.36 0  TD (933) Tj
61.2 0  TD 0.0444  Tc (3%) Tj
58.44 0  TD -0.0164  Tc (\(1%\)) Tj
68.28 0  TD 0.0207  Tc (3,557) Tj
72.36 0  TD (3,559) Tj
61.44 0  TD 0.0427  Tc -0.0312  Tw (  --  ) Tj
-734.76 -13.44  TD 0.018  Tc -0.0065  Tw (Total non-interest expenses) Tj
268.32 -0.12  TD 0.023  Tc 0  Tw (624) Tj
72.36 0  TD (605) Tj
72.36 0  TD (614) Tj
61.2 0  TD 0.0444  Tc (3%) Tj
61.2 0  TD (2%) Tj
65.52 0  TD 0.0207  Tc (2,368) Tj
72.36 0  TD (2,432) Tj
58.8 0  TD -0.0164  Tc (\(3%\)) Tj
-732.12 -9.96  TD 0.0213  Tc -0.0098  Tw (Income before taxes and cumulative) Tj
0 -10.08  TD 0.0154  Tc -0.0038  Tw (              effect of accounting change) Tj
268.32 -0.12  TD 0.023  Tc 0  Tw (303) Tj
72.36 0  TD (299) Tj
72.36 0  TD (319) Tj
61.2 0  TD 0.0444  Tc (1%) Tj
58.44 0  TD -0.0164  Tc (\(5%\)) Tj
68.28 0  TD 0.0207  Tc (1,189) Tj
72.36 0  TD (1,127) Tj
61.56 0  TD 0.0444  Tc (6%) Tj
ET
q 
21.36 261 73.08 8.64 re h W n 
BT
21.36 262.8  TD
0.0021  Tc 0.0094  Tw (Income tax expense) Tj
ET
Q 
q 
289.68 260.88 13.68 8.76 re h W n 
BT
289.68 262.44  TD
0.023  Tc (109) Tj
ET
Q 
q 
362.04 260.88 13.68 8.76 re h W n 
BT
362.04 262.44  TD
0.023  Tc (106) Tj
ET
Q 
q 
434.4 260.88 13.68 8.76 re h W n 
BT
434.4 262.44  TD
0.023  Tc (109) Tj
ET
Q 
q 
495.6 260.88 11.76 8.76 re h W n 
BT
495.6 262.44  TD
(3%) Tj
ET
Q 
q 
556.68 260.88 14.64 8.76 re h W n 
BT
556.68 262.44  TD
0.0427  Tc -0.0312  Tw (  --  ) Tj
ET
Q 
q 
629.16 260.88 13.68 8.76 re h W n 
BT
629.16 262.44  TD
0.023  Tc (422) Tj
ET
Q 
q 
701.52 260.88 13.68 8.76 re h W n 
BT
701.52 262.44  TD
0.023  Tc (425) Tj
ET
Q 
q 
753.48 260.88 17.28 8.76 re h W n 
BT
753.48 262.44  TD
-0.0164  Tc (\(1%\)) Tj
ET
Q 
BT
21.36 252.72  TD
0.0212  Tc -0.0097  Tw (Income before cumulative effect) Tj
0 -10.08  TD 0.016  Tc -0.0045  Tw (             of accounting change) Tj
268.32 -0.12  TD 0.023  Tc 0  Tw (194) Tj
72.36 0  TD (193) Tj
72.36 0  TD (210) Tj
61.2 0  TD 0.0444  Tc (1%) Tj
58.44 0  TD -0.0164  Tc (\(8%\)) Tj
75.12 0  TD 0.023  Tc (767) Tj
72.36 0  TD (702) Tj
54.72 0  TD 0.0444  Tc (9%) Tj
-734.88 -9.96  TD 0.0192  Tc -0.0076  Tw (Cumulative effect of accounting change \(1\)) Tj
277.44 -0.12  TD 0.023  Tc 0  Tw (0) Tj
72.36 0  TD (0) Tj
72.36 0  TD (0) Tj
51.96 0  TD 0.0427  Tc -0.0312  Tw (  --  ) Tj
61.2 0  TD (  --  ) Tj
81.6 0  TD 0.023  Tc 0  Tw (0) Tj
65.04 0  TD 1 0 0 rg 
0.0329  Tc (\(13\)) Tj
55.2 0  TD 0 0 0 rg 
-0.0542  Tc 0.0658  Tw (  *  ) Tj
ET
q 
21.36 221.4 41.4 8.52 re h W n 
BT
21.36 223.2  TD
0.0137  Tc -0.0022  Tw (Net income) Tj
ET
Q 
q 
240.84 220.56 3.96 9.12 re h W n 
BT
240.84 222.36  TD
0.023  Tc 0  Tw ($) Tj
ET
Q 
BT
289.68 222.36  TD
0.023  Tc 0  Tw (194) Tj
ET
q 
313.2 220.56 3.96 9.12 re h W n 
BT
313.2 222.36  TD
($) Tj
ET
Q 
BT
362.04 222.36  TD
(193) Tj
ET
q 
385.56 220.56 3.96 9.12 re h W n 
BT
385.56 222.36  TD
($) Tj
ET
Q 
BT
434.4 222.36  TD
(210) Tj
61.2 0  TD 0.0444  Tc (1%) Tj
58.44 0  TD -0.0164  Tc (\(8%\)) Tj
ET
q 
580.32 220.56 3.96 9.12 re h W n 
BT
580.32 222.36  TD
0.023  Tc ($) Tj
ET
Q 
BT
629.16 222.36  TD
0.023  Tc (767) Tj
ET
q 
652.68 220.56 3.96 9.12 re h W n 
BT
652.68 222.36  TD
($) Tj
ET
Q 
BT
701.52 222.36  TD
(689) Tj
50.16 0  TD 0.0373  Tc (11%) Tj
-730.32 -20.16  TD 0.0191  Tc -0.0076  Tw (Profit margin \(2\)) Tj
265.68 -0.12  TD 0.0373  Tc 0  Tw (21%) Tj
72.36 0  TD (21%) Tj
72.36 0  TD (23%) Tj
194.76 0  TD (22%) Tj
72.36 0  TD (20%) Tj
-677.52 -16.44  TD 0.0362  Tc (\(1\)) Tj
26.04 0  TD 0.0133  Tc -0.0018  Tw (Represents the effects of an accounting change adopted in the first quarter of fiscal 2001 with respect to the accounting for derivative instruments and hedging activities associated with SFAS 133.) Tj
-26.04 -10.08  TD 0.0362  Tc 0  Tw (\(2\)) Tj
26.04 0  TD 0.0154  Tc -0.0039  Tw (Net income excluding cumulative effect of accounting change as a % of net revenues.) Tj
-26.04 -10.08  TD 0.0115  Tc 0  Tw (Note:) Tj
26.04 0  TD 0.0193  Tc -0.0078  Tw (Certain reclassifications have been made to prior period amounts to conform to the current presentation.) Tj
340.56 -50.4  TD 0.04  Tc -0.0285  Tw (F - 7) Tj
ET
239.28 439.56 213.24 0.72 re f
458.28 439.56 114.72 0.72 re f
239.28 429.48 68.52 0.72 re f
311.64 429.48 68.52 0.72 re f
384 429.48 68.52 0.72 re f
458.28 429.48 53.52 0.72 re f
519.48 429.48 53.52 0.72 re f
578.76 429.48 68.52 0.72 re f
651.12 429.48 68.52 0.72 re f
239.28 384.36 68.52 0.72 re f
311.64 384.36 68.52 0.72 re f
384 384.36 68.52 0.72 re f
578.76 384.36 68.52 0.72 re f
239.28 350.64 68.52 0.72 re f
311.64 350.64 68.52 0.72 re f
384 350.64 68.52 0.72 re f
578.76 350.64 68.52 0.72 re f
239.28 327 68.52 0.72 re f
311.64 327 68.52 0.72 re f
384 327 68.52 0.72 re f
578.76 327 68.52 0.72 re f
239.28 313.44 68.52 0.72 re f
311.64 313.44 68.52 0.72 re f
384 313.44 68.52 0.72 re f
578.76 313.44 68.52 0.72 re f
239.28 303.36 68.52 0.72 re f
311.64 303.36 68.52 0.72 re f
384 303.36 68.52 0.72 re f
578.76 303.36 68.52 0.72 re f
239.28 289.8 68.52 0.72 re f
311.64 289.8 68.52 0.72 re f
384 289.8 68.52 0.72 re f
578.76 289.8 68.52 0.72 re f
239.28 260.16 68.52 0.72 re f
311.64 260.16 68.52 0.72 re f
384 260.16 68.52 0.72 re f
578.76 260.16 68.52 0.72 re f
239.28 229.92 68.52 0.72 re f
311.64 229.92 68.52 0.72 re f
384 229.92 68.52 0.72 re f
578.76 229.92 68.52 0.72 re f
239.28 220.56 68.52 0.72 re f
239.28 219.12 68.52 0.72 re f
311.64 220.56 68.52 0.72 re f
311.64 219.12 68.52 0.72 re f
384 220.56 68.52 0.72 re f
384 219.12 68.52 0.72 re f
578.76 220.56 68.52 0.72 re f
578.76 219.12 68.52 0.72 re f
578.76 439.56 140.88 0.72 re f
723.48 429.48 48.96 0.72 re f
651.12 384.36 68.52 0.72 re f
651.12 350.64 68.52 0.72 re f
651.12 327 68.52 0.72 re f
651.12 313.44 68.52 0.72 re f
651.12 303.36 68.52 0.72 re f
651.12 289.8 68.52 0.72 re f
651.12 260.16 68.52 0.72 re f
651.12 229.92 68.52 0.72 re f
651.12 220.56 68.52 0.72 re f
651.12 219.12 68.52 0.72 re f
19.8 192.72 225.48 1.44 re f

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-0.0276  Tc 0.0859  Tw (MORGAN STANLEY) Tj
-48.36 -9.48  TD -0.0024  Tc 0.0367  Tw (Credit Services Income Statement Information ) Tj
29.28 -9.48  TD -0  Tc 0.0589  Tw (\(unaudited, dollars in millions\)) Tj
-16.2 -18.96  TD /F1 7.56  Tf
0.003  Tc 0.0553  Tw (Quarter Ended) Tj
136.56 0  TD 0.004  Tc 0.0543  Tw (Percentage Change From:) Tj
130.2 0  TD -0.0016  Tc 0.06  Tw (Twelve Months Ended) Tj
108.96 0  TD 0.0098  Tc 0  Tw (Percentage) Tj
-440.04 -9.6  TD 0.0156  Tc 0.0427  Tw (Nov 30, 2002) Tj
66.6 0  TD (Nov 30, 2001) Tj
66.6 0  TD 0.0029  Tc 0.0554  Tw (Aug 31, 2002) Tj
61.44 0  TD 0.0156  Tc 0.0427  Tw (Nov 30, 2001) Tj
56.52 0  TD 0.0029  Tc 0.0554  Tw (Aug 31, 2002) Tj
61.44 0  TD 0.0156  Tc 0.0427  Tw (Nov 30, 2002) Tj
66.6 0  TD (Nov 30, 2001) Tj
66.96 0  TD -0.0125  Tc 0  Tw (Change) Tj
-656.16 -18.84  TD 0.0105  Tc (Fees:) Tj
24 -9.48  TD 0.0159  Tc 0.0425  Tw (Merchant and cardmember) Tj
ET
q 
253.2 413.64 3.6 8.52 re h W n 
BT
253.2 415.32  TD
-0.0034  Tc 0  Tw ($) Tj
ET
Q 
BT
298.2 415.32  TD
-0.0034  Tc 0  Tw (372) Tj
ET
q 
319.8 413.64 3.6 8.52 re h W n 
BT
319.8 415.32  TD
($) Tj
ET
Q 
BT
364.8 415.32  TD
(348) Tj
ET
q 
386.4 413.64 3.6 8.52 re h W n 
BT
386.4 415.32  TD
($) Tj
ET
Q 
BT
431.4 415.32  TD
(359) Tj
56.28 0  TD -0.0021  Tc (7%) Tj
56.4 0  TD (4%) Tj
ET
q 
565.8 413.64 3.6 8.52 re h W n 
BT
565.8 415.32  TD
-0.0034  Tc ($) Tj
ET
Q 
BT
604.44 415.32  TD
0.009  Tc (1,420) Tj
ET
q 
632.4 413.64 3.6 8.52 re h W n 
BT
632.4 415.32  TD
-0.0034  Tc ($) Tj
ET
Q 
BT
671.04 415.32  TD
(1,349) Tj
56.64 0  TD -0.0021  Tc (5%) Tj
-652.68 -9.36  TD 0.0259  Tc (Servicing) Tj
223.2 -0.12  TD -0.0034  Tc (525) Tj
66.6 0  TD (567) Tj
66.6 0  TD (514) Tj
53.76 0  TD 0  Tc (\(7%\)) Tj
58.92 0  TD -0.0021  Tc (2%) Tj
60.36 0  TD 0.009  Tc (2,091) Tj
66.6 0  TD (1,904) Tj
52.44 0  TD -0.0025  Tc (10%) Tj
-672.48 -9.48  TD 0.0105  Tc (Other) Tj
253.08 0  TD 1 0 0 rg 
0  Tc (\(2\)) Tj
66.6 0  TD (\(1\)) Tj
69.12 0  TD 0 0 0 rg 
-0.0034  Tc (8) Tj
36.96 0  TD -0.001  Tc (\(100%\)) Tj
56.4 0  TD (\(125%\)) Tj
81.84 0  TD -0.0034  Tc (19) Tj
70.8 0  TD (1) Tj
43.68 0  TD 0.0592  Tc -0.0008  Tw (  *  ) Tj
-654.48 -9.48  TD 0.0105  Tc 0.0478  Tw (Total non-interest revenues) Tj
223.2 -0.12  TD -0.0034  Tc 0  Tw (895) Tj
66.6 0  TD (914) Tj
66.6 0  TD (881) Tj
53.76 0  TD 0  Tc (\(2%\)) Tj
58.92 0  TD -0.0021  Tc (2%) Tj
60.36 0  TD 0.009  Tc (3,530) Tj
66.6 0  TD (3,254) Tj
56.64 0  TD -0.0021  Tc (8%) Tj
-676.68 -12.72  TD 0.0262  Tc 0.0321  Tw (Interest revenue) Tj
247.2 -0.12  TD -0.0034  Tc 0  Tw (612) Tj
66.6 0  TD (593) Tj
66.6 0  TD (646) Tj
56.28 0  TD -0.0021  Tc (3%) Tj
53.88 0  TD 0  Tc (\(5%\)) Tj
62.88 0  TD 0.009  Tc (2,413) Tj
66.6 0  TD (2,593) Tj
54.12 0  TD 0  Tc (\(7%\)) Tj
-674.16 -9.36  TD 0.022  Tc 0.0363  Tw (Interest expense) Tj
247.2 -0.12  TD -0.0034  Tc 0  Tw (261) Tj
66.6 0  TD (272) Tj
66.6 0  TD (262) Tj
53.76 0  TD 0  Tc (\(4%\)) Tj
58.68 0  TD 0.0025  Tc 0.0558  Tw (  --  ) Tj
60.6 0  TD 0.009  Tc 0  Tw (1,050) Tj
66.6 0  TD (1,236) Tj
49.92 0  TD -0  Tc (\(15%\)) Tj
-645.96 -9.36  TD 0.0236  Tc 0.0347  Tw (Net interest income) Tj
223.2 -0.12  TD -0.0034  Tc 0  Tw (351) Tj
66.6 0  TD (321) Tj
66.6 0  TD (384) Tj
56.28 0  TD -0.0021  Tc (9%) Tj
53.88 0  TD 0  Tc (\(9%\)) Tj
62.88 0  TD 0.009  Tc (1,363) Tj
66.6 0  TD (1,357) Tj
56.4 0  TD 0.0025  Tc 0.0558  Tw (  --  ) Tj
-676.44 -12.72  TD 0.017  Tc 0.0414  Tw (Provision for consumer loan losses) Tj
247.2 -0.12  TD -0.0034  Tc 0  Tw (319) Tj
66.6 0  TD (331) Tj
66.6 0  TD (332) Tj
53.76 0  TD 0  Tc (\(4%\)) Tj
56.4 0  TD (\(4%\)) Tj
62.88 0  TD 0.009  Tc (1,336) Tj
66.6 0  TD (1,052) Tj
52.44 0  TD -0.0025  Tc (27%) Tj
-648.48 -9.36  TD 0.0231  Tc 0.0352  Tw (Net credit income) Tj
227.4 -0.12  TD -0.0034  Tc 0  Tw (32) Tj
64.08 0  TD 1 0 0 rg 
-0  Tc (\(10\)) Tj
69.12 0  TD 0 0 0 rg 
-0.0034  Tc (52) Tj
53.88 0  TD 0.0592  Tc -0.0008  Tw (  *  ) Tj
47.88 0  TD -0  Tc 0  Tw (\(38%\)) Tj
77.64 0  TD -0.0034  Tc (27) Tj
62.4 0  TD (305) Tj
43.56 0  TD -0  Tc (\(91%\)) Tj
-645.96 -12.72  TD 0.0093  Tc 0.049  Tw (Net revenues) Tj
223.2 -0.12  TD -0.0034  Tc 0  Tw (927) Tj
66.6 0  TD (904) Tj
66.6 0  TD (933) Tj
56.28 0  TD -0.0021  Tc (3%) Tj
53.88 0  TD 0  Tc (\(1%\)) Tj
62.88 0  TD 0.009  Tc (3,557) Tj
66.6 0  TD (3,559) Tj
56.4 0  TD 0.0025  Tc 0.0558  Tw (  --  ) Tj
-676.44 -12.72  TD 0.0032  Tc 0.0551  Tw (Total non-interest expenses) Tj
247.2 -0.12  TD -0.0034  Tc 0  Tw (624) Tj
66.6 0  TD (605) Tj
66.6 0  TD (614) Tj
56.28 0  TD -0.0021  Tc (3%) Tj
56.4 0  TD (2%) Tj
60.36 0  TD 0.009  Tc (2,368) Tj
66.6 0  TD (2,432) Tj
54.12 0  TD 0  Tc (\(3%\)) Tj
-674.16 -9.36  TD 0.0283  Tc 0.03  Tw (Income before taxes and cumulative) Tj
0 -9.48  TD 0.0203  Tc 0.0381  Tw (              effect of accounting change) Tj
247.2 -0.12  TD -0.0034  Tc 0  Tw (303) Tj
66.6 0  TD (299) Tj
66.6 0  TD (319) Tj
56.28 0  TD -0.0021  Tc (1%) Tj
53.88 0  TD 0  Tc (\(5%\)) Tj
62.88 0  TD 0.009  Tc (1,189) Tj
66.6 0  TD (1,127) Tj
56.64 0  TD -0.0021  Tc (6%) Tj
-676.68 -9.36  TD 0.0168  Tc 0.0415  Tw (Income tax expense) Tj
247.2 -0.12  TD -0.0034  Tc 0  Tw (109) Tj
66.6 0  TD (106) Tj
66.6 0  TD (109) Tj
56.28 0  TD -0.0021  Tc (3%) Tj
56.16 0  TD 0.0025  Tc 0.0558  Tw (  --  ) Tj
66.96 0  TD -0.0034  Tc 0  Tw (422) Tj
66.6 0  TD (425) Tj
47.76 0  TD 0  Tc (\(1%\)) Tj
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66.24 0  TD (13%) Tj
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626.76 425.16 61.32 0.6 re f
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66.24 0  TD (359) Tj
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53.28 0  TD (\(6%\)) Tj
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64.56 0  TD (180) Tj
66.24 0  TD (208) Tj
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57.24 0  TD 0.0447  Tc (2%) Tj
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64.56 0  TD (700) Tj
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66.24 0  TD (341) Tj
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66.24 0  TD (291) Tj
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53.28 0  TD (13%) Tj
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64.56 0  TD (345) Tj
66.24 0  TD (273) Tj
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64.56 0  TD (1,299) Tj
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64.56 0  TD (430) Tj
66.24 0  TD (295) Tj
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53.28 0  TD (\(24%\)) Tj
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64.56 0  TD (16,359) Tj
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66.24 0  TD (337) Tj
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0.0329  Tc (\(30\)) Tj
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12.48 0  TD ($) Tj
52.08 0  TD (5) Tj
14.16 0  TD ($) Tj
52.08 0  TD (0) Tj
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324 406.68  TD
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388.8 406.68  TD
/F1 6.96  Tf
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426 406.68  TD
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534.12 406.68  TD
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0.0169  Tc 0  Tw (\(8%\)) Tj
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557.88 406.68  TD
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Q 
q 
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BT
590.64 406.68  TD
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q 
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BT
623.16 406.68  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
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Q 
q 
656.52 405.6 21.12 7.08 re h W n 
BT
656.52 406.68  TD
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Q 
q 
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BT
711.36 406.68  TD
/F1 6.96  Tf
0.0075  Tc 0  Tw (\(14%\)) Tj
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q 
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258.12 383.64  TD
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-0.0298  Tc 0  Tw ($) Tj
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Q 
q 
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BT
301.08 383.64  TD
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q 
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BT
324 383.64  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
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BT
365.88 383.64  TD
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Q 
q 
388.8 382.56 3.84 7.08 re h W n 
BT
388.8 383.64  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
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Q 
q 
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BT
431.76 383.64  TD
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BT
478.68 383.64  TD
/F1 6.96  Tf
0.0075  Tc 0  Tw (\(21%\)) Tj
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557.88 382.56 3.84 7.08 re h W n 
BT
557.88 383.64  TD
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-0.0298  Tc 0  Tw ($) Tj
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Q 
q 
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BT
594.48 383.64  TD
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623.16 382.56 3.84 7.08 re h W n 
BT
623.16 383.64  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
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Q 
q 
660.36 382.56 17.28 7.08 re h W n 
BT
660.36 383.64  TD
/F1 6.96  Tf
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Q 
q 
711.36 382.56 18.48 7.08 re h W n 
BT
711.36 383.64  TD
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BT
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/F1 6.96  Tf
-0.0286  Tc 0.0137  Tw (Individual Investor Group) Tj
ET
Q 
q 
302.64 374.88 12.24 7.08 re h W n 
BT
302.64 375.96  TD
1 0 0 rg 
/F1 6.96  Tf
-0.0337  Tc 0  Tw (\(31\)) Tj
ET
Q 
q 
369.72 374.88 7.68 7.08 re h W n 
BT
369.72 375.96  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (14) Tj
ET
Q 
q 
439.44 374.88 3.84 7.08 re h W n 
BT
439.44 375.96  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (5) Tj
ET
Q 
q 
486.72 374.88 10.44 7.08 re h W n 
BT
486.72 375.96  TD
/F1 6.96  Tf
0.0526  Tc -0.0674  Tw (  *  ) Tj
ET
Q 
q 
538.32 374.88 10.44 7.08 re h W n 
BT
538.32 375.96  TD
/F1 6.96  Tf
0.0526  Tc -0.0674  Tw (  *  ) Tj
ET
Q 
q 
605.64 374.88 8.4 7.08 re h W n 
BT
605.64 375.96  TD
1 0 0 rg 
/F1 6.96  Tf
-0.035  Tc 0  Tw (\(7\)) Tj
ET
Q 
q 
667.68 374.88 12.24 7.08 re h W n 
BT
667.68 375.96  TD
1 0 0 rg 
/F1 6.96  Tf
-0.0337  Tc 0  Tw (\(44\)) Tj
ET
Q 
q 
713.64 374.88 13.92 7.08 re h W n 
BT
713.64 375.96  TD
/F1 6.96  Tf
-0.0423  Tc 0  Tw (84%) Tj
ET
Q 
q 
84.24 367.32 76.08 6.96 re h W n 
BT
84.24 368.88  TD
/F1 6.96  Tf
-0.025  Tc 0.0101  Tw (Investment Management) Tj
ET
Q 
q 
301.08 367.2 11.52 7.08 re h W n 
BT
301.08 368.28  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (116) Tj
ET
Q 
q 
369.72 367.2 7.68 7.08 re h W n 
BT
369.72 368.28  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (88) Tj
ET
Q 
q 
431.76 367.2 11.52 7.08 re h W n 
BT
431.76 368.28  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (124) Tj
ET
Q 
q 
480.96 367.2 13.92 7.08 re h W n 
BT
480.96 368.28  TD
/F1 6.96  Tf
-0.0423  Tc 0  Tw (32%) Tj
ET
Q 
q 
534.12 367.2 14.64 7.08 re h W n 
BT
534.12 368.28  TD
/F1 6.96  Tf
0.0169  Tc 0  Tw (\(6%\)) Tj
ET
Q 
q 
600.24 367.2 11.52 7.08 re h W n 
BT
600.24 368.28  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (525) Tj
ET
Q 
q 
666.12 367.2 11.52 7.08 re h W n 
BT
666.12 368.28  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (480) Tj
ET
Q 
q 
717.48 367.2 10.08 7.08 re h W n 
BT
717.48 368.28  TD
/F1 6.96  Tf
-0.0486  Tc 0  Tw (9%) Tj
ET
Q 
q 
84.24 359.64 47.04 6.96 re h W n 
BT
84.24 361.2  TD
/F1 6.96  Tf
-0.0091  Tc -0.0058  Tw (Credit Services) Tj
ET
Q 
q 
301.08 359.52 11.52 7.08 re h W n 
BT
301.08 360.6  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (194) Tj
ET
Q 
q 
365.88 359.52 11.52 7.08 re h W n 
BT
365.88 360.6  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (193) Tj
ET
Q 
q 
431.76 359.52 11.52 7.08 re h W n 
BT
431.76 360.6  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (210) Tj
ET
Q 
q 
484.8 359.52 10.08 7.08 re h W n 
BT
484.8 360.6  TD
/F1 6.96  Tf
-0.0486  Tc 0  Tw (1%) Tj
ET
Q 
q 
534.12 359.52 14.64 7.08 re h W n 
BT
534.12 360.6  TD
/F1 6.96  Tf
0.0169  Tc 0  Tw (\(8%\)) Tj
ET
Q 
q 
600.24 359.52 11.52 7.08 re h W n 
BT
600.24 360.6  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (767) Tj
ET
Q 
q 
666.12 359.52 11.52 7.08 re h W n 
BT
666.12 360.6  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (702) Tj
ET
Q 
q 
717.48 359.52 10.08 7.08 re h W n 
BT
717.48 360.6  TD
/F1 6.96  Tf
-0.0486  Tc 0  Tw (9%) Tj
ET
Q 
q 
84.24 351.96 114.6 6.96 re h W n 
BT
84.24 353.52  TD
/F1 6.96  Tf
-0.0313  Tc 0.0164  Tw (Income before extraordinary item and) Tj
ET
Q 
q 
84.24 344.28 140.88 6.96 re h W n 
BT
84.24 345.84  TD
/F1 6.96  Tf
-0.0146  Tc -0  Tw (           cumulative effect of accounting change) Tj
ET
Q 
q 
301.08 344.16 11.52 7.08 re h W n 
BT
301.08 345.24  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (732) Tj
ET
Q 
q 
365.88 344.16 11.52 7.08 re h W n 
BT
365.88 345.24  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (870) Tj
ET
Q 
q 
431.76 344.16 11.52 7.08 re h W n 
BT
431.76 345.24  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (611) Tj
ET
Q 
q 
478.68 344.16 18.48 7.08 re h W n 
BT
478.68 345.24  TD
/F1 6.96  Tf
0.0075  Tc 0  Tw (\(16%\)) Tj
ET
Q 
q 
532.56 344.16 13.92 7.08 re h W n 
BT
532.56 345.24  TD
/F1 6.96  Tf
-0.0423  Tc 0  Tw (20%) Tj
ET
Q 
q 
594.48 344.16 17.28 7.08 re h W n 
BT
594.48 345.24  TD
/F1 6.96  Tf
-0.0268  Tc 0  Tw (2,988) Tj
ET
Q 
q 
660.36 344.16 17.28 7.08 re h W n 
BT
660.36 345.24  TD
/F1 6.96  Tf
-0.0268  Tc 0  Tw (3,610) Tj
ET
Q 
q 
711.36 344.16 18.48 7.08 re h W n 
BT
711.36 345.24  TD
/F1 6.96  Tf
0.0075  Tc 0  Tw (\(17%\)) Tj
ET
Q 
q 
84.24 336.6 66.24 6.96 re h W n 
BT
84.24 338.16  TD
/F1 6.96  Tf
-0.0318  Tc 0.017  Tw (Extraordinary item \(1\)) Tj
ET
Q 
q 
308.76 336.48 3.84 7.08 re h W n 
BT
308.76 337.56  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (0) Tj
ET
Q 
q 
373.56 336.48 3.84 7.08 re h W n 
BT
373.56 337.56  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (0) Tj
ET
Q 
q 
439.44 336.48 3.84 7.08 re h W n 
BT
439.44 337.56  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (0) Tj
ET
Q 
q 
484.92 336.48 12.24 7.08 re h W n 
BT
484.92 337.56  TD
/F1 6.96  Tf
-0.0377  Tc 0.0228  Tw (  --  ) Tj
ET
Q 
q 
536.52 336.48 12.24 7.08 re h W n 
BT
536.52 337.56  TD
/F1 6.96  Tf
-0.0377  Tc 0.0228  Tw (  --  ) Tj
ET
Q 
q 
607.92 336.48 3.84 7.08 re h W n 
BT
607.92 337.56  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (0) Tj
ET
Q 
q 
667.68 336.48 12.24 7.08 re h W n 
BT
667.68 337.56  TD
1 0 0 rg 
/F1 6.96  Tf
-0.0337  Tc 0  Tw (\(30\)) Tj
ET
Q 
q 
719.4 336.48 10.44 7.08 re h W n 
BT
719.4 337.56  TD
/F1 6.96  Tf
0.0526  Tc -0.0674  Tw (  *  ) Tj
ET
Q 
q 
84.24 328.92 131.64 6.96 re h W n 
BT
84.24 330.48  TD
/F1 6.96  Tf
-0.0159  Tc 0.001  Tw (Cumulative effect of accounting change \(2\)) Tj
ET
Q 
q 
308.76 328.8 3.84 7.08 re h W n 
BT
308.76 329.88  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (0) Tj
ET
Q 
q 
373.56 328.8 3.84 7.08 re h W n 
BT
373.56 329.88  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (0) Tj
ET
Q 
q 
439.44 328.8 3.84 7.08 re h W n 
BT
439.44 329.88  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (0) Tj
ET
Q 
q 
484.92 328.8 12.24 7.08 re h W n 
BT
484.92 329.88  TD
/F1 6.96  Tf
-0.0377  Tc 0.0228  Tw (  --  ) Tj
ET
Q 
q 
536.52 328.8 12.24 7.08 re h W n 
BT
536.52 329.88  TD
/F1 6.96  Tf
-0.0377  Tc 0.0228  Tw (  --  ) Tj
ET
Q 
q 
607.92 328.8 3.84 7.08 re h W n 
BT
607.92 329.88  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (0) Tj
ET
Q 
q 
667.68 328.8 12.24 7.08 re h W n 
BT
667.68 329.88  TD
1 0 0 rg 
/F1 6.96  Tf
-0.0337  Tc 0  Tw (\(59\)) Tj
ET
Q 
q 
719.4 328.8 10.44 7.08 re h W n 
BT
719.4 329.88  TD
/F1 6.96  Tf
0.0526  Tc -0.0674  Tw (  *  ) Tj
ET
Q 
q 
84.24 321.84 76.32 6.36 re h W n 
BT
84.24 323.4  TD
/F1 6.96  Tf
-0.006  Tc -0.0089  Tw (Consolidated net income) Tj
ET
Q 
q 
258.12 321.12 3.84 7.08 re h W n 
BT
258.12 322.2  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
301.08 321.12 11.52 7.08 re h W n 
BT
301.08 322.2  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (732) Tj
ET
Q 
q 
324 321.12 3.84 7.08 re h W n 
BT
324 322.2  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
365.88 321.12 11.52 7.08 re h W n 
BT
365.88 322.2  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (870) Tj
ET
Q 
q 
388.8 321.12 3.84 7.08 re h W n 
BT
388.8 322.2  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
431.76 321.12 11.52 7.08 re h W n 
BT
431.76 322.2  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (611) Tj
ET
Q 
q 
478.68 321.12 18.48 7.08 re h W n 
BT
478.68 322.2  TD
/F1 6.96  Tf
0.0075  Tc 0  Tw (\(16%\)) Tj
ET
Q 
q 
532.56 321.12 13.92 7.08 re h W n 
BT
532.56 322.2  TD
/F1 6.96  Tf
-0.0423  Tc 0  Tw (20%) Tj
ET
Q 
q 
557.88 321.12 3.84 7.08 re h W n 
BT
557.88 322.2  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
594.48 321.12 17.28 7.08 re h W n 
BT
594.48 322.2  TD
/F1 6.96  Tf
-0.0268  Tc 0  Tw (2,988) Tj
ET
Q 
q 
623.16 321.12 3.84 7.08 re h W n 
BT
623.16 322.2  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
660.36 321.12 17.28 7.08 re h W n 
BT
660.36 322.2  TD
/F1 6.96  Tf
-0.0268  Tc 0  Tw (3,521) Tj
ET
Q 
q 
711.36 321.12 18.48 7.08 re h W n 
BT
711.36 322.2  TD
/F1 6.96  Tf
0.0075  Tc 0  Tw (\(15%\)) Tj
ET
Q 
q 
84.24 314.64 117.12 5.88 re h W n 
BT
84.24 316.2  TD
/F1 6.96  Tf
-0.0125  Tc -0.0024  Tw (Preferred stock dividend requirements) Tj
ET
Q 
q 
258.12 313.92 3.84 6.6 re h W n 
BT
258.12 314.76  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
308.76 313.92 3.84 6.6 re h W n 
BT
308.76 314.76  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (0) Tj
ET
Q 
q 
324 313.92 3.84 6.6 re h W n 
BT
324 314.76  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
373.56 313.92 3.84 6.6 re h W n 
BT
373.56 314.76  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (5) Tj
ET
Q 
q 
388.8 313.92 3.84 6.6 re h W n 
BT
388.8 314.76  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
439.44 313.92 3.84 6.6 re h W n 
BT
439.44 314.76  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (0) Tj
ET
Q 
q 
486.72 313.92 10.44 6.6 re h W n 
BT
486.72 314.76  TD
/F1 6.96  Tf
0.0526  Tc -0.0674  Tw (  *  ) Tj
ET
Q 
q 
536.52 313.92 12.24 6.6 re h W n 
BT
536.52 314.76  TD
/F1 6.96  Tf
-0.0377  Tc 0.0228  Tw (  --  ) Tj
ET
Q 
q 
557.88 313.92 3.84 6.6 re h W n 
BT
557.88 314.76  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
607.92 313.92 3.84 6.6 re h W n 
BT
607.92 314.76  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (0) Tj
ET
Q 
q 
623.16 313.92 3.84 6.6 re h W n 
BT
623.16 314.76  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
669.96 313.92 7.68 6.6 re h W n 
BT
669.96 314.76  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (32) Tj
ET
Q 
q 
719.4 313.92 10.44 6.6 re h W n 
BT
719.4 314.76  TD
/F1 6.96  Tf
0.0526  Tc -0.0674  Tw (  *  ) Tj
ET
Q 
q 
84.24 306.96 119.52 6.36 re h W n 
BT
84.24 308.52  TD
/F1 6.96  Tf
-0.0104  Tc -0.0044  Tw (Earnings applicable to common shares) Tj
ET
Q 
q 
258.12 306.24 3.84 7.08 re h W n 
BT
258.12 307.32  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
301.08 306.24 11.52 7.08 re h W n 
BT
301.08 307.32  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (732) Tj
ET
Q 
q 
324 306.24 3.84 7.08 re h W n 
BT
324 307.32  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
365.88 306.24 11.52 7.08 re h W n 
BT
365.88 307.32  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (865) Tj
ET
Q 
q 
388.8 306.24 3.84 7.08 re h W n 
BT
388.8 307.32  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
431.76 306.24 11.52 7.08 re h W n 
BT
431.76 307.32  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw (611) Tj
ET
Q 
q 
478.68 306.24 18.48 7.08 re h W n 
BT
478.68 307.32  TD
/F1 6.96  Tf
0.0075  Tc 0  Tw (\(15%\)) Tj
ET
Q 
q 
532.56 306.24 13.92 7.08 re h W n 
BT
532.56 307.32  TD
/F1 6.96  Tf
-0.0423  Tc 0  Tw (20%) Tj
ET
Q 
q 
557.88 306.24 3.84 7.08 re h W n 
BT
557.88 307.32  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
594.48 306.24 17.28 7.08 re h W n 
BT
594.48 307.32  TD
/F1 6.96  Tf
-0.0268  Tc 0  Tw (2,988) Tj
ET
Q 
q 
623.16 306.24 3.84 7.08 re h W n 
BT
623.16 307.32  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
660.36 306.24 17.28 7.08 re h W n 
BT
660.36 307.32  TD
/F1 6.96  Tf
-0.0268  Tc 0  Tw (3,489) Tj
ET
Q 
q 
711.36 306.24 18.48 7.08 re h W n 
BT
711.36 307.32  TD
/F1 6.96  Tf
0.0075  Tc 0  Tw (\(14%\)) Tj
ET
Q 
q 
62.28 289.32 115.08 7.08 re h W n 
BT
62.28 291  TD
-0.0185  Tc 0.0036  Tw (Basic earnings per common share ) Tj
ET
Q 
q 
84.24 281.76 114.6 6.96 re h W n 
BT
84.24 283.32  TD
/F1 6.96  Tf
-0.0313  Tc 0.0164  Tw (Income before extraordinary item and) Tj
ET
Q 
q 
84.24 274.08 142.8 6.96 re h W n 
BT
84.24 275.64  TD
/F1 6.96  Tf
-0.0146  Tc -0  Tw (            cumulative effect of accounting change) Tj
ET
Q 
q 
258.12 273.96 3.84 7.08 re h W n 
BT
258.12 275.04  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
299.16 273.96 13.44 7.08 re h W n 
BT
299.16 275.04  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (0.68) Tj
ET
Q 
q 
324 273.96 3.84 7.08 re h W n 
BT
324 275.04  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
363.96 273.96 13.44 7.08 re h W n 
BT
363.96 275.04  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (0.80) Tj
ET
Q 
q 
388.8 273.96 3.84 7.08 re h W n 
BT
388.8 275.04  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
429.84 273.96 13.44 7.08 re h W n 
BT
429.84 275.04  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (0.57) Tj
ET
Q 
q 
478.68 273.96 18.48 7.08 re h W n 
BT
478.68 275.04  TD
/F1 6.96  Tf
0.0075  Tc 0  Tw (\(15%\)) Tj
ET
Q 
q 
532.56 273.96 13.92 7.08 re h W n 
BT
532.56 275.04  TD
/F1 6.96  Tf
-0.0423  Tc 0  Tw (19%) Tj
ET
Q 
q 
557.88 273.96 3.84 7.08 re h W n 
BT
557.88 275.04  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
598.32 273.96 13.44 7.08 re h W n 
BT
598.32 275.04  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (2.76) Tj
ET
Q 
q 
623.16 273.96 3.84 7.08 re h W n 
BT
623.16 275.04  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
664.2 273.96 13.44 7.08 re h W n 
BT
664.2 275.04  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (3.29) Tj
ET
Q 
q 
711.36 273.96 18.48 7.08 re h W n 
BT
711.36 275.04  TD
/F1 6.96  Tf
0.0075  Tc 0  Tw (\(16%\)) Tj
ET
Q 
q 
84.24 266.4 55.92 6.96 re h W n 
BT
84.24 267.96  TD
/F1 6.96  Tf
-0.0383  Tc 0.0234  Tw (Extraordinary item) Tj
ET
Q 
q 
258.12 266.28 3.84 7.08 re h W n 
BT
258.12 267.36  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
299.16 266.28 13.44 7.08 re h W n 
BT
299.16 267.36  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (0.00) Tj
ET
Q 
q 
324 266.28 3.84 7.08 re h W n 
BT
324 267.36  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
363.96 266.28 13.44 7.08 re h W n 
BT
363.96 267.36  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (0.00) Tj
ET
Q 
q 
388.8 266.28 3.84 7.08 re h W n 
BT
388.8 267.36  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
429.84 266.28 13.44 7.08 re h W n 
BT
429.84 267.36  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (0.00) Tj
ET
Q 
q 
484.92 266.28 12.24 7.08 re h W n 
BT
484.92 267.36  TD
/F1 6.96  Tf
-0.0377  Tc 0.0228  Tw (  --  ) Tj
ET
Q 
q 
536.52 266.28 12.24 7.08 re h W n 
BT
536.52 267.36  TD
/F1 6.96  Tf
-0.0377  Tc 0.0228  Tw (  --  ) Tj
ET
Q 
q 
557.88 266.28 3.84 7.08 re h W n 
BT
557.88 267.36  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
598.32 266.28 13.44 7.08 re h W n 
BT
598.32 267.36  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (0.00) Tj
ET
Q 
q 
623.16 266.28 3.84 7.08 re h W n 
BT
623.16 267.36  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
661.92 266.28 18 7.08 re h W n 
BT
661.92 267.36  TD
/F1 6.96  Tf
-0.0299  Tc 0  Tw (\(0.03\)) Tj
ET
Q 
q 
719.4 266.28 10.44 7.08 re h W n 
BT
719.4 267.36  TD
/F1 6.96  Tf
0.0526  Tc -0.0674  Tw (  *  ) Tj
ET
Q 
q 
84.24 258.72 121.32 6.96 re h W n 
BT
84.24 260.28  TD
/F1 6.96  Tf
-0.0142  Tc -0  Tw (Cumulative effect of accounting change) Tj
ET
Q 
q 
258.12 258.6 3.84 7.08 re h W n 
BT
258.12 259.68  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
299.16 258.6 13.44 7.08 re h W n 
BT
299.16 259.68  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (0.00) Tj
ET
Q 
q 
324 258.6 3.84 7.08 re h W n 
BT
324 259.68  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
363.96 258.6 13.44 7.08 re h W n 
BT
363.96 259.68  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (0.00) Tj
ET
Q 
q 
388.8 258.6 3.84 7.08 re h W n 
BT
388.8 259.68  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
429.84 258.6 13.44 7.08 re h W n 
BT
429.84 259.68  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (0.00) Tj
ET
Q 
q 
484.92 258.6 12.24 7.08 re h W n 
BT
484.92 259.68  TD
/F1 6.96  Tf
-0.0377  Tc 0.0228  Tw (  --  ) Tj
ET
Q 
q 
536.52 258.6 12.24 7.08 re h W n 
BT
536.52 259.68  TD
/F1 6.96  Tf
-0.0377  Tc 0.0228  Tw (  --  ) Tj
ET
Q 
q 
557.88 258.6 3.84 7.08 re h W n 
BT
557.88 259.68  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
598.32 258.6 13.44 7.08 re h W n 
BT
598.32 259.68  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (0.00) Tj
ET
Q 
q 
623.16 258.6 3.84 7.08 re h W n 
BT
623.16 259.68  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
661.92 258.6 18 7.08 re h W n 
BT
661.92 259.68  TD
/F1 6.96  Tf
-0.0299  Tc 0  Tw (\(0.05\)) Tj
ET
Q 
q 
719.4 258.6 10.44 7.08 re h W n 
BT
719.4 259.68  TD
/F1 6.96  Tf
0.0526  Tc -0.0674  Tw (  *  ) Tj
ET
Q 
q 
84.24 251.04 35.16 6.96 re h W n 
BT
84.24 252.6  TD
/F1 6.96  Tf
0.0109  Tc -0.0258  Tw (Net income) Tj
ET
Q 
q 
258.12 250.92 3.84 7.08 re h W n 
BT
258.12 252  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
299.16 250.92 13.44 7.08 re h W n 
BT
299.16 252  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (0.68) Tj
ET
Q 
q 
324 250.92 3.84 7.08 re h W n 
BT
324 252  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
363.96 250.92 13.44 7.08 re h W n 
BT
363.96 252  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (0.80) Tj
ET
Q 
q 
388.8 250.92 3.84 7.08 re h W n 
BT
388.8 252  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
429.84 250.92 13.44 7.08 re h W n 
BT
429.84 252  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (0.57) Tj
ET
Q 
q 
478.68 250.92 18.48 7.08 re h W n 
BT
478.68 252  TD
/F1 6.96  Tf
0.0075  Tc 0  Tw (\(15%\)) Tj
ET
Q 
q 
532.56 250.92 13.92 7.08 re h W n 
BT
532.56 252  TD
/F1 6.96  Tf
-0.0423  Tc 0  Tw (19%) Tj
ET
Q 
q 
557.88 250.92 3.84 7.08 re h W n 
BT
557.88 252  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
598.32 250.92 13.44 7.08 re h W n 
BT
598.32 252  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (2.76) Tj
ET
Q 
q 
623.16 250.92 3.84 7.08 re h W n 
BT
623.16 252  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
664.2 250.92 13.44 7.08 re h W n 
BT
664.2 252  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (3.21) Tj
ET
Q 
q 
711.36 250.92 18.48 7.08 re h W n 
BT
711.36 252  TD
/F1 6.96  Tf
0.0075  Tc 0  Tw (\(14%\)) Tj
ET
Q 
q 
62.28 234.48 120 7.08 re h W n 
BT
62.28 236.16  TD
-0.0206  Tc 0.0057  Tw (Diluted earnings per common share ) Tj
ET
Q 
q 
84.24 226.92 114.6 6.96 re h W n 
BT
84.24 228.48  TD
/F1 6.96  Tf
-0.0313  Tc 0.0164  Tw (Income before extraordinary item and) Tj
ET
Q 
q 
84.24 219.24 142.8 6.96 re h W n 
BT
84.24 220.8  TD
/F1 6.96  Tf
-0.0146  Tc -0  Tw (            cumulative effect of accounting change) Tj
ET
Q 
q 
258.12 219.12 3.84 7.08 re h W n 
BT
258.12 220.2  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
299.16 219.12 13.44 7.08 re h W n 
BT
299.16 220.2  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (0.67) Tj
ET
Q 
q 
324 219.12 3.84 7.08 re h W n 
BT
324 220.2  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
363.96 219.12 13.44 7.08 re h W n 
BT
363.96 220.2  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (0.78) Tj
ET
Q 
q 
388.8 219.12 3.84 7.08 re h W n 
BT
388.8 220.2  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
429.84 219.12 13.44 7.08 re h W n 
BT
429.84 220.2  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (0.55) Tj
ET
Q 
q 
478.68 219.12 18.48 7.08 re h W n 
BT
478.68 220.2  TD
/F1 6.96  Tf
0.0075  Tc 0  Tw (\(14%\)) Tj
ET
Q 
q 
532.56 219.12 13.92 7.08 re h W n 
BT
532.56 220.2  TD
/F1 6.96  Tf
-0.0423  Tc 0  Tw (22%) Tj
ET
Q 
q 
557.88 219.12 3.84 7.08 re h W n 
BT
557.88 220.2  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
598.32 219.12 13.44 7.08 re h W n 
BT
598.32 220.2  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (2.69) Tj
ET
Q 
q 
623.16 219.12 3.84 7.08 re h W n 
BT
623.16 220.2  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
664.2 219.12 13.44 7.08 re h W n 
BT
664.2 220.2  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (3.19) Tj
ET
Q 
q 
711.36 219.12 18.48 7.08 re h W n 
BT
711.36 220.2  TD
/F1 6.96  Tf
0.0075  Tc 0  Tw (\(16%\)) Tj
ET
Q 
q 
84.24 211.56 55.92 6.96 re h W n 
BT
84.24 213.12  TD
/F1 6.96  Tf
-0.0383  Tc 0.0234  Tw (Extraordinary item) Tj
ET
Q 
q 
258.12 211.44 3.84 7.08 re h W n 
BT
258.12 212.52  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
299.16 211.44 13.44 7.08 re h W n 
BT
299.16 212.52  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (0.00) Tj
ET
Q 
q 
324 211.44 3.84 7.08 re h W n 
BT
324 212.52  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
363.96 211.44 13.44 7.08 re h W n 
BT
363.96 212.52  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (0.00) Tj
ET
Q 
q 
388.8 211.44 3.84 7.08 re h W n 
BT
388.8 212.52  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
429.84 211.44 13.44 7.08 re h W n 
BT
429.84 212.52  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (0.00) Tj
ET
Q 
q 
484.92 211.44 12.24 7.08 re h W n 
BT
484.92 212.52  TD
/F1 6.96  Tf
-0.0377  Tc 0.0228  Tw (  --  ) Tj
ET
Q 
q 
536.52 211.44 12.24 7.08 re h W n 
BT
536.52 212.52  TD
/F1 6.96  Tf
-0.0377  Tc 0.0228  Tw (  --  ) Tj
ET
Q 
q 
557.88 211.44 3.84 7.08 re h W n 
BT
557.88 212.52  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
598.32 211.44 13.44 7.08 re h W n 
BT
598.32 212.52  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (0.00) Tj
ET
Q 
q 
623.16 211.44 3.84 7.08 re h W n 
BT
623.16 212.52  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
661.92 211.44 18 7.08 re h W n 
BT
661.92 212.52  TD
/F1 6.96  Tf
-0.0299  Tc 0  Tw (\(0.03\)) Tj
ET
Q 
q 
719.4 211.44 10.44 7.08 re h W n 
BT
719.4 212.52  TD
/F1 6.96  Tf
0.0526  Tc -0.0674  Tw (  *  ) Tj
ET
Q 
q 
84.24 203.88 121.32 6.96 re h W n 
BT
84.24 205.44  TD
/F1 6.96  Tf
-0.0142  Tc -0  Tw (Cumulative effect of accounting change) Tj
ET
Q 
q 
258.12 203.76 3.84 7.08 re h W n 
BT
258.12 204.84  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
299.16 203.76 13.44 7.08 re h W n 
BT
299.16 204.84  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (0.00) Tj
ET
Q 
q 
324 203.76 3.84 7.08 re h W n 
BT
324 204.84  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
363.96 203.76 13.44 7.08 re h W n 
BT
363.96 204.84  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (0.00) Tj
ET
Q 
q 
388.8 203.76 3.84 7.08 re h W n 
BT
388.8 204.84  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
429.84 203.76 13.44 7.08 re h W n 
BT
429.84 204.84  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (0.00) Tj
ET
Q 
q 
484.92 203.76 12.24 7.08 re h W n 
BT
484.92 204.84  TD
/F1 6.96  Tf
-0.0377  Tc 0.0228  Tw (  --  ) Tj
ET
Q 
q 
536.52 203.76 12.24 7.08 re h W n 
BT
536.52 204.84  TD
/F1 6.96  Tf
-0.0377  Tc 0.0228  Tw (  --  ) Tj
ET
Q 
q 
557.88 203.76 3.84 7.08 re h W n 
BT
557.88 204.84  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
598.32 203.76 13.44 7.08 re h W n 
BT
598.32 204.84  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (0.00) Tj
ET
Q 
q 
623.16 203.76 3.84 7.08 re h W n 
BT
623.16 204.84  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
661.92 203.76 18 7.08 re h W n 
BT
661.92 204.84  TD
/F1 6.96  Tf
-0.0299  Tc 0  Tw (\(0.05\)) Tj
ET
Q 
q 
719.4 203.76 10.44 7.08 re h W n 
BT
719.4 204.84  TD
/F1 6.96  Tf
0.0526  Tc -0.0674  Tw (  *  ) Tj
ET
Q 
q 
84.24 196.2 35.16 6.96 re h W n 
BT
84.24 197.76  TD
/F1 6.96  Tf
0.0109  Tc -0.0258  Tw (Net income) Tj
ET
Q 
q 
258.12 196.08 3.84 7.08 re h W n 
BT
258.12 197.16  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
299.16 196.08 13.44 7.08 re h W n 
BT
299.16 197.16  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (0.67) Tj
ET
Q 
q 
324 196.08 3.84 7.08 re h W n 
BT
324 197.16  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
363.96 196.08 13.44 7.08 re h W n 
BT
363.96 197.16  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (0.78) Tj
ET
Q 
q 
388.8 196.08 3.84 7.08 re h W n 
BT
388.8 197.16  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
429.84 196.08 13.44 7.08 re h W n 
BT
429.84 197.16  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (0.55) Tj
ET
Q 
q 
478.68 196.08 18.48 7.08 re h W n 
BT
478.68 197.16  TD
/F1 6.96  Tf
0.0075  Tc 0  Tw (\(14%\)) Tj
ET
Q 
q 
532.56 196.08 13.92 7.08 re h W n 
BT
532.56 197.16  TD
/F1 6.96  Tf
-0.0423  Tc 0  Tw (22%) Tj
ET
Q 
q 
557.88 196.08 3.84 7.08 re h W n 
BT
557.88 197.16  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
598.32 196.08 13.44 7.08 re h W n 
BT
598.32 197.16  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (2.69) Tj
ET
Q 
q 
623.16 196.08 3.84 7.08 re h W n 
BT
623.16 197.16  TD
/F1 6.96  Tf
-0.0298  Tc 0  Tw ($) Tj
ET
Q 
q 
664.2 196.08 13.44 7.08 re h W n 
BT
664.2 197.16  TD
/F1 6.96  Tf
-0.026  Tc 0  Tw (3.11) Tj
ET
Q 
q 
711.36 196.08 18.48 7.08 re h W n 
BT
711.36 197.16  TD
/F1 6.96  Tf
0.0075  Tc 0  Tw (\(14%\)) Tj
ET
Q 
q 
62.28 184.32 123.48 7.08 re h W n 
BT
62.28 186  TD
-0.0337  Tc 0.0188  Tw (Average common shares outstanding) Tj
ET
Q 
q 
84.24 176.76 17.04 6.96 re h W n 
BT
84.24 178.32  TD
/F1 6.96  Tf
0.0046  Tc 0  Tw (Basic) Tj
ET
Q 
q 
268.44 176.64 44.16 7.08 re h W n 
BT
268.44 177.72  TD
/F1 6.96  Tf
-0.0263  Tc 0  Tw (1,074,654,825) Tj
ET
Q 
q 
333.24 176.64 44.16 7.08 re h W n 
BT
333.24 177.72  TD
/F1 6.96  Tf
-0.0263  Tc 0  Tw (1,078,517,918) Tj
ET
Q 
q 
399.12 176.64 44.16 7.08 re h W n 
BT
399.12 177.72  TD
/F1 6.96  Tf
-0.0263  Tc 0  Tw (1,081,708,833) Tj
ET
Q 
q 
567.6 176.64 44.16 7.08 re h W n 
BT
567.6 177.72  TD
/F1 6.96  Tf
-0.0263  Tc 0  Tw (1,083,270,783) Tj
ET
Q 
q 
633.48 176.64 44.16 7.08 re h W n 
BT
633.48 177.72  TD
/F1 6.96  Tf
-0.0263  Tc 0  Tw (1,086,121,508) Tj
ET
Q 
q 
84.24 169.08 21.6 6.96 re h W n 
BT
84.24 170.64  TD
/F1 6.96  Tf
-0.0085  Tc 0  Tw (Diluted) Tj
ET
Q 
q 
268.44 168.96 44.16 7.08 re h W n 
BT
268.44 170.04  TD
/F1 6.96  Tf
-0.0263  Tc 0  Tw (1,095,716,005) Tj
ET
Q 
q 
333.24 168.96 44.16 7.08 re h W n 
BT
333.24 170.04  TD
/F1 6.96  Tf
-0.0263  Tc 0  Tw (1,108,980,235) Tj
ET
Q 
q 
399.12 168.96 44.16 7.08 re h W n 
BT
399.12 170.04  TD
/F1 6.96  Tf
-0.0263  Tc 0  Tw (1,105,494,894) Tj
ET
Q 
q 
567.6 168.96 44.16 7.08 re h W n 
BT
567.6 170.04  TD
/F1 6.96  Tf
-0.0263  Tc 0  Tw (1,109,637,953) Tj
ET
Q 
q 
633.48 168.96 44.16 7.08 re h W n 
BT
633.48 170.04  TD
/F1 6.96  Tf
-0.0263  Tc 0  Tw (1,121,764,086) Tj
ET
Q 
q 
62.28 161.28 132.12 7.08 re h W n 
BT
62.28 162.96  TD
-0.0269  Tc 0.012  Tw (Period end common shares outstanding) Tj
ET
Q 
q 
268.44 161.28 44.16 7.08 re h W n 
BT
268.44 162.36  TD
/F1 6.96  Tf
-0.0263  Tc 0  Tw (1,081,417,377) Tj
ET
Q 
q 
333.24 161.28 44.16 7.08 re h W n 
BT
333.24 162.36  TD
/F1 6.96  Tf
-0.0263  Tc 0  Tw (1,093,006,744) Tj
ET
Q 
q 
399.12 161.28 44.16 7.08 re h W n 
BT
399.12 162.36  TD
/F1 6.96  Tf
-0.0263  Tc 0  Tw (1,093,052,009) Tj
ET
Q 
q 
567.6 161.28 44.16 7.08 re h W n 
BT
567.6 162.36  TD
/F1 6.96  Tf
-0.0263  Tc 0  Tw (1,081,417,377) Tj
ET
Q 
q 
633.48 161.28 44.16 7.08 re h W n 
BT
633.48 162.36  TD
/F1 6.96  Tf
-0.0263  Tc 0  Tw (1,093,006,744) Tj
ET
Q 
q 
62.28 149.64 89.52 6.96 re h W n 
BT
62.28 151.2  TD
/F1 6.96  Tf
-0.0237  Tc 0.0088  Tw (Return on common equity \(3\)) Tj
ET
Q 
q 
295.2 149.52 19.68 7.08 re h W n 
BT
295.2 150.6  TD
/F1 6.96  Tf
-0.0343  Tc 0  Tw (13.7%) Tj
ET
Q 
q 
360 149.52 19.68 7.08 re h W n 
BT
360 150.6  TD
/F1 6.96  Tf
-0.0343  Tc 0  Tw (17.6%) Tj
ET
Q 
q 
425.88 149.52 19.68 7.08 re h W n 
BT
425.88 150.6  TD
/F1 6.96  Tf
-0.0343  Tc 0  Tw (11.4%) Tj
ET
Q 
q 
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