A Message From the Chairman

To Our Shareholders and Clients

Regional Highlights

• The Americas
• Europe, Africa and the Middle East
• Asia and Australia

• Financial Highlights
• Financial Leadership
• Management's Discussion of Financial Responsibility
• Description of Business
• Selected Financial Data
• Management's Discussion and Analysis
• Statement of Consolidated Earnings
• Consolidated Balance Sheets
• Statements of Changes in Consolidated Stockholders' Equity
• Statements of Consolidated Cash Flows
• Supplemental Financial Information

Corporate Information

• Board of Directors
• Executive Management
• Merrill Lynch & Co., Inc.