RJF 10-K Annual Report Sept. 30, 2019 | Alphaminr
RAYMOND JAMES FINANCIAL INC
ALPHAMINR

RJF 10-K Fiscal year ended Sept. 30, 2019

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RAYMOND JAMES FINANCIAL INC
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TABLE OF CONTENTS
Part IItem 1. BusinessItem 1A. Risk FactorsItem 1B. Unresolved Staff CommentsItem 2. PropertiesItem 3. Legal ProceedingsItem 4. Mine Safety DisclosuresPart IIItem 5. Market For Registrant S Common Equity, Related Shareholder Matters and Issuer Purchases Of Equity SecuritiesItem 6. Selected Financial DataItem 7. Management S Discussion and Analysis Of Financial Condition and Results Of OperationsItem 7A. Quantitative and Qualitative Disclosures About Market RiskItem 8. Financial Statements and Supplementary DataNote 1 Organization and Basis Of PresentationNote 2 - Summary Of Significant Accounting PoliciesNote 3 AcquisitionsNote 4 Fair ValueNote 5 Available-for-sale SecuritiesNote 6 Derivative Assets and Derivative LiabilitiesNote 7 Collateralized Agreements and FinancingsNote 8 Bank Loans, NetNote 9 Variable Interest EntitiesNote 10 - Property and EquipmentNote 11 - Goodwill and Identifiable Intangible Assets, NetNote 12 - Other AssetsNote 13 Bank DepositsNote 14 Other BorrowingsNote 15 Senior Notes PayableNote 16 Income TaxesNote 17 Commitments, Contingencies and GuaranteesNote 18 Accumulated Other Comprehensive Income/(loss)Note 19 - RevenuesNote 20 Interest Income and Interest ExpenseNote 21 - Share-based and Other CompensationNote 22 Regulatory Capital RequirementsNote 23 Earnings Per ShareNote 24 Segment InformationNote 25 Condensed Financial Information (parent Company Only)Item 9. Changes in and Disagreements with Accountants on Accounting and Financial DisclosureItem 9A. Controls and ProceduresItem 9B. Other InformationPart IIIItem 10. Directors, Executive Officers and Corporate GovernancePart IVItem 15. Exhibits and Financial Statement Schedules

Exhibits

3.1 Restated Articles of Incorporation of Raymond James Financial, Inc. as filed with the Secretary of State of Florida on November 25, 2008, incorporated by reference to Exhibit 3(i).1 to the Companys Annual Report on Form 10-K, filed with the Securities and Exchange Commission on November 28, 2008. 3.2 Amended and Restated By-Laws of Raymond James Financial, Inc., reflecting amendments adopted by the Board of Directors on November 30, 2017, incorporated by reference to Exhibit 3.1 to the Companys Current Report on Form 8-K, filed with the Securities and Exchange Commission on December 5, 2017. 4.1 Description of Capital Stock. 4.2.1 Indenture, dated as of August 10, 2009 for Senior Debt Securities, between Raymond James Financial, Inc. and The Bank of New York Mellon Trust Company, N.A., incorporated by reference to Exhibit 4.2 to the Companys Quarterly Report on Form 10-Q, filed with the Securities and Exchange Commission on August 10, 2009. 4.2.2 Fourth Supplemental Indenture, dated as of March 26, 2012, for the 5.625% Senior Notes Due 2024, between Raymond James Financial, Inc. and The Bank of New York Mellon Trust Company, N.A., as trustee, incorporated by reference to Exhibit 4.1 to the Companys Current Report on Form 8-K, filed with the Securities and Exchange Commission on March 26, 2012. 4.2.3 Fifth Supplemental Indenture, dated as of July 12, 2016, for the 3.625% Senior Notes Due 2026, between Raymond James Financial, Inc. and The Bank of New York Mellon Trust Company, N.A., as trustee, incorporated by reference to Exhibit 4.1 to the Companys Current Report on Form 8-K, filed with the Securities and Exchange Commission on July 12, 2016. 4.2.4 Sixth Supplemental Indenture, dated as of July 12, 2016, for the 4.950% Senior Notes Due 2046, between Raymond James Financial, Inc. and The Bank of New York Mellon Trust Company, N.A., as trustee, incorporated by reference to Exhibit 4.2 to the Companys Current Report on Form 8-K, filed with the Securities and Exchange Commission on July 12, 2016. 4.2.5 Sixth (Reopening) Supplemental Indenture, dated as of May 10, 2017, for the 4.950% Senior Notes due 2046, between Raymond James Financial, Inc. and The Bank of New York Mellon Trust Company, N.A., as trustee, incorporated by reference to Exhibit 4.1 to the Companys Current Report on Form 8-K, filed with the Securities and Exchange Commission on May 10, 2017. 10.1 * Raymond James Financial, Inc. 2002 Incentive Stock Option Plan, effective February 14, 2002, incorporated by reference to Exhibit 4.1 to the Companys Registration Statement on Form S-8, No. 333-98537, filed with the Securities and Exchange Commission on August 22, 2002. 10.2 Mortgage Agreement, dated as of December 13, 2002, incorporated by reference to Exhibit 10.10 to the Companys Annual Report on Form 10-K, filed with the Securities and Exchange Commission on December 23, 2002. 10.4 Stock Purchase Agreement, dated January 11, 2012, between Raymond James Financial, Inc. and Regions Financial Corporation (excluding certain exhibits and schedules), incorporated by reference to Exhibit 10.19 to the Companys Current Report on Form 8-K, filed with the Securities and Exchange Commission on January 12, 2012. 10.5.2 * Form of Contingent Stock Option Agreement under 2012 Stock Incentive Plan, incorporated by reference to Exhibit 10.22 to the Companys Quarterly Report on Form 10-Q, filed with the Securities and Exchange Commission on May 9, 2012. 10.5.3 * Form of Restricted Stock Unit Agreement for Non-Employee Director under 2012 Stock Incentive Plan, incorporated by reference to Exhibit 10.25 to the Companys Quarterly Report on Form 10-Q, filed with the Securities and Exchange Commission on May 9, 2012. 10.5.4 * Form of Restricted Stock Unit Agreement for Performance Based Restricted Stock Unit Award under 2012 Stock Incentive Plan, incorporated by reference to Exhibit 10.20.8 to the Companys Quarterly Report on Form 10-Q, filed with the Securities and Exchange Commission on February 8, 2013. 10.5.5 * Form of Stock Option Agreement under 2012 Stock Incentive Plan, as revised and approved on August 21, 2013, incorporated by reference to Exhibit 10.16.3 to the Companys Annual Report on Form 10-K, filed with the Securities and Exchange Commission on November 26, 2013. 10.5.6 * Form of Restricted Stock Unit Agreement for Non-Bonus Award (Employee/Independent Contractor) under 2012 Stock Incentive Plan, as revised and approved on August 21, 2013, incorporated by reference to Exhibit 10.16.4 to the Companys Annual Report on Form 10-K, filed with the Securities and Exchange Commission on November 26, 2013. 10.5.7 * Form of Restricted Stock Unit Agreement for Stock Bonus Award under 2012 Stock Incentive Plan, as revised and approved on August 21, 2013, incorporated by reference to Exhibit 10.16.6 to the Companys Annual Report on Form 10-K, filed with the Securities and Exchange Commission on November 26, 2013. 10.5.8 * Form of Restricted Stock Unit Award Notice and Agreement (time-based vesting) which amends and restates Mr. Reillys award agreement issued in 2012 and will also be used for his subsequent award agreements, incorporated by reference to Exhibit 10.21.1 to the Companys Current Report on Form 8-K, filed with the Securities and Exchange Commission on December 20, 2013. 10.5.9 * Form of Restricted Stock Unit Award Notice and Agreement (performance-based vesting) which amends and restates Mr. Reillys award agreement issued in 2012 and will also be used for his subsequent award agreements, incorporated by reference to Exhibit 10.21.2 to the Companys Current Report on Form 8-K, filed with the Securities and Exchange Commission on December 20, 2013. 10.5.10 * Form of Restricted Stock Unit Award Notice and Agreement (time-based vesting), incorporated by reference to Exhibit 10.22.1 to the Companys Current Report on Form 8-K, filed with the Securities and Exchange Commission on December 20, 2013. 10.5.11 * Form of Restricted Stock Unit Award Notice and Agreement (performance-based vesting), incorporated by reference to Exhibit 10.22.2 to the Companys Current Report on Form 8-K, filed with the Securities and Exchange Commission on December 20, 2013. 10.5.12 * Form of Stock Option Agreement under 2012 Stock Incentive Plan, as revised and approved on November 20, 2013, incorporated by reference to Exhibit 10.23 to the Companys Quarterly Report on Form 10-Q, filed with the Securities and Exchange Commission on February 7, 2014. 10.5.13 * Form of Restricted Stock Unit Agreement for Non-Bonus Award under 2012 Stock Incentive Plan, as revised and approved on November 20, 2013, incorporated by reference to Exhibit 10.24 to the Companys Quarterly Report on Form 10-Q, filed with the Securities and Exchange Commission on February 7, 2014. 10.5.14 Raymond James Financial, Inc. 2012 Stock Incentive Plan Sub-Plan for French Employees with Form of Restricted Stock Unit Agreement, adopted and approved on February 20, 2014, incorporated by reference to Exhibit 10.16.9 to the Companys Quarterly Report on Form 10-Q, filed with the Securities and Exchange Commission on May 9, 2014. 10.5.15 * Form of Restricted Stock Unit Award Notice and Agreement for Stock Bonus Award (time-based vesting), as revised and approved on May 17, 2017, under the Amended and Restated 2012 Stock Incentive Plan, incorporated by reference to Exhibit 10.1 to the Companys Quarterly Report on Form 10-Q, filed with the Securities and Exchange Commission on February 8, 2018. 10.5.16 * Form of Restricted Stock Unit Award Notice and Agreement for Stock Bonus Award (performance-based vesting), as revised and approved on May 17, 2017, under the Amended and Restated 2012 Stock Incentive Plan, incorporated by reference to Exhibit 10.2 to the Companys Quarterly Report on Form 10-Q, filed with the Securities and Exchange Commission on February 8, 2018. 10.5.17 * Form of Restricted Stock Unit Award Notice and Agreement for Non-Bonus Award, as revised and approved on May 17, 2017, under the Amended and Restated 2012 Stock Incentive Plan, incorporated by reference to Exhibit 10.3 to the Companys Quarterly Report on Form 10-Q, filed with the Securities and Exchange Commission on February 8, 2018. 10.5.18 * Form of Restricted Stock Unit Award Notice and Agreement for Stock Bonus Award (time-based vesting) for Canadian Employees, as revised and approved on May 17, 2017, under the Amended and Restated 2012 Stock Incentive Plan, incorporated by reference to Exhibit 10.4 to the Companys Quarterly Report on Form 10-Q, filed with the Securities and Exchange Commission on February 8, 2018. 10.5.19 * Form of Restricted Stock Unit Award Notice and Agreement for Stock Bonus Award (performance-based vesting) for Canadian Employees, as revised and approved on May 17, 2017, under the Amended and Restated 2012 Stock Incentive Plan, incorporated by reference to Exhibit 10.5 to the Companys Quarterly Report on Form 10-Q, filed with the Securities and Exchange Commission on February 8, 2018. 10.5.20 * Form of Restricted Stock Unit Award Notice and Agreement for Non-Bonus Award for Canadian Employees, as revised and approved on May 17, 2017, under the Amended and Restated 2012 Stock Incentive Plan, incorporated by reference to Exhibit 10.6 to the Companys Quarterly Report on Form 10-Q, filed with the Securities and Exchange Commission on February 8, 2018. 10.5.21 * Form of Award Agreement for Grant of Retention RSUs to Mr. Paul C. Reilly, incorporated by reference to Exhibit 10.1 to the Companys Current Report on Form 8-K, filed with the Securities and Exchange Commission on March 1, 2018. 10.5.22 * Form of Restricted Stock Unit Award Notice and Agreement for Non-Bonus Award for Mr. Paul C. Reilly, first used for awards granted on November 29, 2018, under the Amended and Restated 2012 Stock Incentive Plan, incorporated by reference to Exhibit 10.1 to the Companys Current Report on Form 8-K, filed with the Securities and Exchange Commission on December 6, 2018. 10.5.23 * Form of Restricted Stock Unit Award Notice and Agreement for Non-Bonus Award for Canadian Employees, first used for awards granted on November 29, 2018, under the Amended and Restated 2012 Stock Incentive Plan, incorporated by reference to Exhibit 10.2 to the Companys Current Report on Form 8-K, filed with the Securities and Exchange Commission on December 6, 2018. 10.5.24 * Form of Restricted Stock Unit Award Notice and Agreement for Non-Bonus Award, first used for awards granted on November 29, 2018, under the Amended and Restated 2012 Stock Incentive Plan, incorporated by reference to Exhibit 10.3 to the Companys Current Report on Form 8-K, filed with the Securities and Exchange Commission on December 6, 2018. 10.5.25 * Form of Restricted Stock Unit Award Notice and Agreement for Stock Bonus Award (time-based vesting) for Mr. Paul C. Reilly, first used for awards granted on December 14, 2018, under the Amended and Restated 2012 Stock Incentive Plan, incorporated by reference to Exhibit 10.1 to the Companys Current Report on Form 8-K, filed with the Securities and Exchange Commission on December 20, 2018. 10.5.26 * Form of Restricted Stock Unit Award Notice and Agreement for Stock Bonus Award (time-based vesting) for Canadian Employees, first used for awards granted on December 14, 2018, under the Amended and Restated 2012 Stock Incentive Plan, incorporated by reference to Exhibit 10.2 to the Companys Current Report on Form 8-K, filed with the Securities and Exchange Commission on December 20, 2018. 10.5.27 * Form of Restricted Stock Unit Award Notice and Agreement for Stock Bonus Award (time-based vesting), first used for awards granted on December 14, 2018, under the Amended and Restated 2012 Stock Incentive Plan, incorporated by reference to Exhibit 10.3 to the Companys Current Report on Form 8-K, filed with the Securities and Exchange Commission on December 20, 2018. 10.5.28 * Form of Restricted Stock Unit Award Notice and Agreement for Stock Bonus Award (performance-based vesting) for Mr. Paul C. Reilly, first used for awards granted on December 14, 2018, under the Amended and Restated 2012 Stock Incentive Plan, incorporated by reference to Exhibit 10.4 to the Companys Current Report on Form 8-K, filed with the Securities and Exchange Commission on December 20, 2018. 10.5.29 * Form of Restricted Stock Unit Award Notice and Agreement for Stock Bonus Award (performance-based vesting) for Canadian Employees, first used for awards granted on December 14, 2018, under the Amended and Restated 2012 Stock Incentive Plan, incorporated by reference to Exhibit 10.5 to the Companys Current Report on Form 8-K, filed with the Securities and Exchange Commission on December 20, 2018. 10.5.30 * Form of Restricted Stock Unit Award Notice and Agreement for Stock Bonus Award (performance-based vesting), first used for awards granted on December 14, 2018, under the Amended and Restated 2012 Stock Incentive Plan, incorporated by reference to Exhibit 10.6 to the Companys Current Report on Form 8-K, filed with the Securities and Exchange Commission on December 20, 2018. 10.6 * Amended and Restated Raymond James Financial Long-Term Incentive Plan, effective August 22, 2018, incorporated by reference to Exhibit 10.9 to the Companys Annual Report on Form 10-K, filed with the Securities Exchange Commission on November 21, 2018. 10.7 * Raymond James Financial, Inc. Amended and Restated Voluntary Deferred Compensation Plan, effective May 17, 2017, incorporated by reference to Exhibit 10.12 to the Companys Annual Report on Form 10-K, filed with the Securities Exchange Commission on November 21, 2018. 10.9.1 Credit Agreement, dated as of February 19, 2019, among Raymond James Financial, Inc., Raymond James & Associates, Inc., the Lenders party thereto and Bank of America, N.A., incorporated by reference to Exhibit 10.1 to the Companys Current Report on Form 8-K, filed with the Securities and Exchange Commission on February 22, 2019. 10.9.2 First Amendment to Credit Agreement, dated as of May 23, 2019, among Raymond James Financial, Inc., Raymond James & Associates, Inc., the Lenders party thereto and Bank of America, N.A., incorporated by reference to Exhibit 10.1 to the Companys Quarterly Report on Form 10-Q, filed with the Securities and Exchange Commission on August 8, 2019. 10.10 * Amended and Restated Form of Director and Officer Indemnification Agreement, incorporated by reference to Exhibit 10.1 to the Companys Current Report on Form 8-K, filed with the Securities and Exchange Commission on March 6, 2019. 21 List of Subsidiaries. 23 Consent of Independent Registered Public Accounting Firm. 31.1 Certification of Paul C. Reilly pursuant to Rule 13a-14(a), as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002. 31.2 Certification of Jeffrey P. Julien pursuant to Rule 13a-14(a), as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002. 32 Certification of Paul C. Reilly and Jeffrey P. Julien pursuant to Rule 13a-14(b) and 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.