21. LONG-TERM BORROWINGS

Long-term borrowings at November 3, 2019 and October 28, 2018 consisted of the following in millions of dollars:

  

2019

  

2018

 

Equipment Operations

               

               

U.S. dollar notes and debentures:

8-1/2% debentures due 2022

$

105

$

105

2.60% notes due 2022

 

1,000

 

1,000

6.55% debentures due 2028

 

200

 

200

5.375% notes due 2029

 

500

 

500

8.10% debentures due 2030

 

250

 

250

7.125% notes due 2031

 

300

 

300

3.90% notes due 2042

 

1,250

 

1,250

2.875% notes due 2049

500

Euro notes:

Medium-term note due 2020: (€350 principal) Average interest rate of .0% - 2018

398

.5% notes due 2023 (€500 principal)

558

569

1.65% notes due 2039 (€650 principal)

725

Other notes

 

51

 

159

Less debt issuance costs

24

17

Total

 

5,415

 

4,714

Financial Services

  

  

Notes and debentures:

Medium-term notes due 2020 - 2029: (principal $23,265 - 2019, $21,721 - 2018) Average interest rates of 2.7% - 2019, 2.8% - 2018

 

23,528

21,354

*

Other notes

 

1,335

 

1,215

Less debt issuance costs

49

46

Total

 

24,814

 

22,523

Long-term borrowings**

 

$

30,229

$

27,237

*    Includes unamortized fair value adjustments related to interest rate swaps.

**  All interest rates are as of year end.

The approximate principal amounts of the equipment operations’ long-term borrowings maturing in each of the next five years in millions of dollars are as follows: 2020 - $643, 2021 - $39, 2022 - $1,121, 2023 - $562, and 2024 - $1. The approximate principal amounts of the financial services’ long-term borrowings maturing in each of the next five years in millions of dollars are as follows: 2020 - $6,795, 2021 - $6,885, 2022 - $6,323, 2023 - $3,791, and 2024 - $3,013.

 

Historical Timeline

Fiscal YearFiled
2019Dec 19, 2019Showing above
2018Dec 17, 2018
2017Dec 18, 2017
2016Dec 19, 2016
2015Dec 18, 2015

About Debt Disclosures

Debt disclosures detail a company's borrowing structure — the types of instruments, interest rates, maturity schedule, and covenant restrictions that define its financial obligations and flexibility. This section is essential for assessing refinancing risk, interest rate exposure, and the margin of safety against financial distress.

Key signals: the maturity schedule reveals concentration risk — large maturities within 1-2 years during tight credit markets can force dilutive refinancing or asset sales. Compare the fair value of debt against carrying amount to gauge whether the market views the company's credit risk differently than the balance sheet suggests. Watch covenant compliance disclosures for tightening cushions, especially leverage and interest coverage ratios. Variable-rate debt exposure quantifies sensitivity to interest rate changes. Secured versus unsecured mix affects recovery rates and future borrowing capacity. Compare net debt-to-EBITDA against industry peers and covenant limits to assess financial health.