Form: 8-K

Current report

STATEMENT UNDER OATH

Published on


Exhibit 99.1


Statement Under Oath of Principal Executive Officer and Principal Financial
Officer Regarding Facts and Circumstances Relating to Exchange Act Filings





I, Arthur F. Ryan, state and attest that:

(1) To the best of my knowledge, based upon a review of the covered
reports of Prudential Financial, Inc., and, except as corrected or
supplemented in a subsequent covered report:

o no covered report contained an untrue statement of a material
fact as of the end of the period covered by such report (or in
the case of a report on Form 8-K or definitive proxy materials,
as of the date on which it was filed); and

o no covered report omitted to state a material fact necessary to
make the statements in the covered report, in light of the
circumstances under which they were made, not misleading as of
the end of the period covered by such report (or in the case of
a report on Form 8-K or definitive proxy materials, as of the
date on which it was filed).

(2) I have reviewed the contents of this statement with the Company's
audit committee.

(3) In this statement under oath, each of the following, if filed on or
before the date of this statement, is a "covered report":

o the Annual Report on Form 10-K for the year ended December 31,
2001 of Prudential Financial, Inc.;

o all reports on Form 10-Q, all reports on Form 8-K and all
definitive proxy materials of Prudential Financial, Inc. filed
with the Commission subsequent to the filing of the Form 10-K
identified above; and

o any amendments to any of the foregoing.




/s/ Arthur F. Ryan
------------------------
Arthur F. Ryan
August 14, 2002
Subscribed and sworn to
before me this 13th day of
August, 2002.


/s/ Dishom Burgess
-------------------------------
Notary Public


My Commission Expires:
August 30, 2003
-------------------------------
DISHOM BURGESS
Notary Public of New Jersey
My Comm. Expires Aug. 30, 2003