RJF 10-K Annual Report Sept. 30, 2022 | Alphaminr
RAYMOND JAMES FINANCIAL INC
ALPHAMINR

RJF 10-K Fiscal year ended Sept. 30, 2022

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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. ReservedItem 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 Loans To Financial Advisors, NetNote 10 Variable Interest EntitiesNote 11 - Goodwill and Identifiable Intangible Assets, NetNote 12 - Other AssetsNote 13 - Property and Equipment, NetNote 14 - LeasesNote 15 Bank DepositsNote 16 Other BorrowingsNote 17 Senior Notes PayableNote 18 Income TaxesNote 19 Commitments, Contingencies and GuaranteesNote 20 Shareholders EquityNote 21 - RevenuesNote 22 Interest Income and Interest ExpenseNote 23 - Share-based and Other CompensationNote 24 Regulatory Capital RequirementsNote 25 Earnings Per ShareNote 26 Segment InformationNote 27 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 InformationItem 9C. Disclosure Regarding Foreign Jurisdictions That Prevent InspectionsPart IIIItem 10. Directors, Executive Officers and Corporate GovernancePart IVItem 15. Exhibits and Financial Statement SchedulesItem 16. Form 10-k Summary

Exhibits

2.1 Agreement and Plan of Merger, dated October 20, 2021, among Raymond James Financial, Inc., Macaroon One LLC, Macaroon Two LLC and TriState Capital Holdings, Inc., incorporated by reference to Exhibit 2.1 to the Companys Current Report on Form 8-K, filed with the Securities and Exchange Commission on October 26, 2021. 3.1.1 Amended andRestated Articles of Incorporation of Raymond James Financial, Inc. as filed with the Secretary of State of Florida onFebruary 28, 2022,incorporated by reference to Exhibit3.1to the CompanysQuarterlyReport on Form10-Q,filed with the Securities and Exchange Commission onMay 9, 2022. 3.1.2 Articles of Amendment to Amended and Restated Articles of Incorporation of Raymond James Financial, Inc. relating to the Raymond James Financial, Inc. 6.75% Fixed-to-Floating Rate Series A Non-Cumulative Perpetual Preferred Stock, $0.10 par value per share, incorporated by reference to Exhibit 3.3 to the Companys Registration Statement on Form 8-A, filed with the Securities and Exchange Commission on May 31, 2022. 3.1.3 Articles of Amendment to Amended and Restated Articles of Incorporation of Raymond James Financial, Inc. relating to the Raymond James Financial, Inc. 6.375% Fixed-to-Floating Rate Series B Non-Cumulative Perpetual Preferred Stock, $0.10 par value per share, incorporated by reference to Exhibit 3.4 to the Companys Registration Statement on Form 8-A, filed with the Securities and Exchange Commission on May 31, 2022. 3.2 Amended and Restated By-Laws of Raymond James Financial, Inc., reflecting amendments adopted by the Board of Directors onAugust 24, 2022,incorporated by reference to Exhibit 3.1 to the Companys Current Report on Form 8-K, filed with the Securities and Exchange Commission onAugust 30, 2022. 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 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. 4.2.3 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. 4.2.4 Seventh Supplemental Indenture, dated as of March 31, 2020, for the 4.650% Senior Notes due 2030, 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 March 31, 2020. 4.2.5 Eighth Supplemental Indenture, dated as of April 1, 2021, for the 3.750% Senior Notes due 2051, 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 Company's Current Report on Form 8-K, filed with the Securities and Exchange Commission on April 2, 2021. 4.3 Deposit Agreement among TriState Capital Holdings, Inc., Computershare Inc., Computershare Trust Company, N.A. and the holders from time to time of the depositary receipts described therein relating to 6.75% Fixed-to-Floating Rate Series A Non-Cumulative Perpetual Preferred Stock, incorporated by reference to Exhibit 4.1 to the Companys Registration Statement on Form 8-A, filed with the Securities and Exchange Commission on May 31, 2022. 4.4 Form of First Amendment to Deposit Agreement among Raymond James Financial, Inc., TriState Capital Holdings, Inc., Computershare Inc., Computershare Trust Company, N.A. and the holders from time to time of the depositary receipts described therein relating to 6.75% Fixed-to-Floating Rate Series A Non-Cumulative Perpetual Preferred Stock, incorporated by reference to Exhibit 4.2 to the Companys Registration Statement on Form 8-A, filed with the Securities and Exchange Commission on May 31, 2022. 4.5 Deposit Agreement among TriState Capital Holdings, Inc., Computershare Inc., Computershare Trust Company, N.A. and the holders from time to time of the depositary receipts described therein relating to 6.375% Fixed-to-Floating Rate Series B Non-Cumulative Perpetual Preferred Stock, incorporated by reference to Exhibit 4.3 to the Companys Registration Statement on Form 8-A, filed with the Securities and Exchange Commission on May 31, 2022. 4.6 Form of First Amendment to Deposit Agreement among Raymond James Financial, Inc., TriState Capital Holdings, Inc., Computershare Inc., Computershare Trust Company, N.A. and the holders from time to time of the depositary receipts described therein relating to 6.375% Fixed-to-Floating Rate Series B Non-Cumulative Perpetual Preferred Stock, incorporated by reference to Exhibit 4.4 to the Companys Registration Statement on Form 8-A, filed with the Securities and Exchange Commission on May 31, 2022. 4.7 Form of Depositary ReceiptSeries A (included as part of Exhibit 4.4). 4.8 Form of Depositary ReceiptSeries B (included as part of Exhibit 4.6). 10.1 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. 10.2 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. 10.3.1 * Raymond James Financial, Inc. Amended and Restated 2012 Stock Incentive Plan (as amended through February 20, 2020), 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 24, 2020. 10.3.2 * 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. 10.3.3 * 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. 10.3.4 * 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. 10.3.5 * 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. 10.3.6 * 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. 10.3.7 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. 10.3.8 * 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. 10.3.9 * 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. 10.3.10 * 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. 10.3.11 * 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. 10.3.12 * 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. 10.3.13 * 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. 10.3.14 * 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. 10.3.15 * Form of Restricted Stock Unit Award Notice and Agreement for Stock Bonus Award (performance-based vesting with rTSR) 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, 2022. 10.4 * 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. 10.5 * 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. 10.7.1 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. 10.7.2 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. 10.7.3 Second Amendment to Credit Agreement, dated as of May 27, 2020, 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 7, 2020. 10.7.4 Third Amendment to Credit Agreement, dated as of April 19, 2021, 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 Company's Current Report on Form 8-K, filed with the Securities and Exchange Commission on April 22, 2021. 10.8 * 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. 10.9 Support Agreement, dated October 20, 2021, by and among James F. Getz, Brian S. Fetterolf, Raymond James Financial, Inc., Macaroon One LLC and, solely for purposes of the last sentence of Section 9 thereof, TriState Capital Holdings, Inc., incorporated by reference to Exhibit 10.1 to the Companys Current Report on Form 8-K, filed with the Securities and Exchange Commission on October 26, 2021. 10.10 Support Agreement, dated October 20, 2021, by and among T-VIII PubOpps LP, Raymond James Financial, Inc., Macaroon One LLC and, solely for purposes of the last sentence of Section 9 and Section 10(c) thereof, TriState Capital Holdings, Inc., incorporated by reference to Exhibit 10.2 to the Companys Current Report on Form 8-K, filed with the Securities and Exchange Commission on October 26, 2021. 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 Paul M. Shoukry 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 Paul M. Shoukry 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.