<informationTable xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
   <infoTable>
       <nameOfIssuer>AFLAC INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>001055102</cusip>
       <value>972</value>
       <shrsOrPrnAmt>
           <sshPrnamt>18364</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>24,25</otherManager>
       <votingAuthority>
           <Sole>18364</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AT&amp;T INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>00206R102</cusip>
       <value>4288</value>
       <shrsOrPrnAmt>
           <sshPrnamt>109708</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,24,25</otherManager>
       <votingAuthority>
           <Sole>109708</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ABBOTT LABORATORIES COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>002824100</cusip>
       <value>16354</value>
       <shrsOrPrnAmt>
           <sshPrnamt>189103</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>189103</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ABBVIE INC COM USD0.01</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>00287Y109</cusip>
       <value>43415</value>
       <shrsOrPrnAmt>
           <sshPrnamt>490523</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,8,23,24,25</otherManager>
       <votingAuthority>
           <Sole>490523</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AD SYS COMMUNICATIONS INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>00724F101</cusip>
       <value>17044</value>
       <shrsOrPrnAmt>
           <sshPrnamt>52645</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>52645</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AIR PRODUCTS &amp; CHEMICALS INC</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>009158106</cusip>
       <value>5459</value>
       <shrsOrPrnAmt>
           <sshPrnamt>23236</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>23236</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AKAMAI TECHNOLOGIES INC COM STK</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>00971T101</cusip>
       <value>1598</value>
       <shrsOrPrnAmt>
           <sshPrnamt>18493</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>24,25</otherManager>
       <votingAuthority>
           <Sole>18493</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ALEXION PHARMACEUTICALS INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>015351109</cusip>
       <value>5411</value>
       <shrsOrPrnAmt>
           <sshPrnamt>49314</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>49314</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ALLSTATE CORP COM USD0.01</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>020002101</cusip>
       <value>17723</value>
       <shrsOrPrnAmt>
           <sshPrnamt>157981</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3,24,25</otherManager>
       <votingAuthority>
           <Sole>157981</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ALLY FINL INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>02005N100</cusip>
       <value>315</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10296</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>25</otherManager>
       <votingAuthority>
           <Sole>10296</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ALPHABET INC CAP STK CL A</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>02079K305</cusip>
       <value>26939</value>
       <shrsOrPrnAmt>
           <sshPrnamt>20113</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>20113</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ALTRIA GROUP INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>02209S103</cusip>
       <value>31770</value>
       <shrsOrPrnAmt>
           <sshPrnamt>636761</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,8,23,25</otherManager>
       <votingAuthority>
           <Sole>636761</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AMAZON.COM INC</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>023135106</cusip>
       <value>24289</value>
       <shrsOrPrnAmt>
           <sshPrnamt>13145</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>13145</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AMEREN CORP COM USD0.01</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>023608102</cusip>
       <value>9656</value>
       <shrsOrPrnAmt>
           <sshPrnamt>126717</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3,8,25</otherManager>
       <votingAuthority>
           <Sole>126717</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AMER ELEC PWR CO INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>025537101</cusip>
       <value>12870</value>
       <shrsOrPrnAmt>
           <sshPrnamt>137203</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3,8,24,25</otherManager>
       <votingAuthority>
           <Sole>137203</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AMERICAN EXPRESS CO COM USD0.20</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>025816109</cusip>
       <value>2317</value>
       <shrsOrPrnAmt>
           <sshPrnamt>18614</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>18614</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AMERICAN FINANCIAL GROUP INC</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>025932104</cusip>
       <value>2211</value>
       <shrsOrPrnAmt>
           <sshPrnamt>20164</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>20164</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AMERICAN TOWER CORPORATION</nameOfIssuer>
       <titleOfClass>REIT</titleOfClass>
       <cusip>03027X100</cusip>
       <value>3769</value>
       <shrsOrPrnAmt>
           <sshPrnamt>17611</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>17611</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AMERISOURCEBERGEN CORPORATION COM USD0.01</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>03073E105</cusip>
       <value>2517</value>
       <shrsOrPrnAmt>
           <sshPrnamt>29607</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>29607</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AMERIPRISE FINANCIAL INC COM USD0.01</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>03076C106</cusip>
       <value>6839</value>
       <shrsOrPrnAmt>
           <sshPrnamt>41055</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,23</otherManager>
       <votingAuthority>
           <Sole>41055</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AMGEN INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>031162100</cusip>
       <value>33413</value>
       <shrsOrPrnAmt>
           <sshPrnamt>138679</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,8,23,24,25</otherManager>
       <votingAuthority>
           <Sole>138679</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>APPLE INC COM STK</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>037833100</cusip>
       <value>53604</value>
       <shrsOrPrnAmt>
           <sshPrnamt>185601</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3,24,25</otherManager>
       <votingAuthority>
           <Sole>185601</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>APPLIED MATERIALS INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>038222105</cusip>
       <value>7157</value>
       <shrsOrPrnAmt>
           <sshPrnamt>118081</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3,24,25</otherManager>
       <votingAuthority>
           <Sole>118081</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ADR ASTRAZENECA PLC SPONSORED ADR UNITEDKINGDOM</nameOfIssuer>
       <titleOfClass>ADR</titleOfClass>
       <cusip>046353108</cusip>
       <value>2074</value>
       <shrsOrPrnAmt>
           <sshPrnamt>41591</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8</otherManager>
       <votingAuthority>
           <Sole>41591</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BCE INC COM NPV</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>05534B760</cusip>
       <value>4176</value>
       <shrsOrPrnAmt>
           <sshPrnamt>89999</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,24,25</otherManager>
       <votingAuthority>
           <Sole>89999</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BANK OF AMERICA CORP COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>060505104</cusip>
       <value>23549</value>
       <shrsOrPrnAmt>
           <sshPrnamt>678635</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3,25</otherManager>
       <votingAuthority>
           <Sole>678635</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BK OF NOVA SCOTIA COM NPV</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>064149107</cusip>
       <value>668</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11820</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>24,25</otherManager>
       <votingAuthority>
           <Sole>11820</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>IPATH BLOOMBERG COMMODITY IN</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>06738C778</cusip>
       <value>2856</value>
       <shrsOrPrnAmt>
           <sshPrnamt>125009</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>125009</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BARRICK GOLD CORPORATION COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>067901108</cusip>
       <value>9116</value>
       <shrsOrPrnAmt>
           <sshPrnamt>503513</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>503513</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BAXTER INTL INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>071813109</cusip>
       <value>12584</value>
       <shrsOrPrnAmt>
           <sshPrnamt>151235</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>151235</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BEST BUY INC COM STK</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>086516101</cusip>
       <value>7723</value>
       <shrsOrPrnAmt>
           <sshPrnamt>87950</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,23,24,25</otherManager>
       <votingAuthority>
           <Sole>87950</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BIOMARIN PHARMACEUTICAL INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>09061G101</cusip>
       <value>4267</value>
       <shrsOrPrnAmt>
           <sshPrnamt>51108</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>51108</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BLACKROCK INC</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>09247X101</cusip>
       <value>11580</value>
       <shrsOrPrnAmt>
           <sshPrnamt>23051</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>23051</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>H&amp;R BLOCK INC</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>093671105</cusip>
       <value>919</value>
       <shrsOrPrnAmt>
           <sshPrnamt>39124</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>39124</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BOEING CO/THE</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>097023105</cusip>
       <value>9762</value>
       <shrsOrPrnAmt>
           <sshPrnamt>29977</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>29977</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BRISTOL-MYERS SQUIBB CO COM USD0.10</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>110122108</cusip>
       <value>32980</value>
       <shrsOrPrnAmt>
           <sshPrnamt>519783</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3,23,24,25</otherManager>
       <votingAuthority>
           <Sole>519783</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ADR BRIT AMERN TOB PLC SPONSORED</nameOfIssuer>
       <titleOfClass>ADR</titleOfClass>
       <cusip>110448107</cusip>
       <value>947</value>
       <shrsOrPrnAmt>
           <sshPrnamt>22310</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8</otherManager>
       <votingAuthority>
           <Sole>22310</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BROADCOM INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>11135F101</cusip>
       <value>16129</value>
       <shrsOrPrnAmt>
           <sshPrnamt>51031</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>51031</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CIGNA CORP NEW USD</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>125523100</cusip>
       <value>14187</value>
       <shrsOrPrnAmt>
           <sshPrnamt>69866</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>69866</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CME GROUP INC</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>12572Q105</cusip>
       <value>11939</value>
       <shrsOrPrnAmt>
           <sshPrnamt>59508</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>59508</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CARDINAL HEALTH INC COM NPV</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>14149Y108</cusip>
       <value>3530</value>
       <shrsOrPrnAmt>
           <sshPrnamt>68853</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>68853</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CARNIVAL CORP</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>143658300</cusip>
       <value>6853</value>
       <shrsOrPrnAmt>
           <sshPrnamt>134862</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>134862</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CELANESE CORP DEL COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>150870103</cusip>
       <value>1959</value>
       <shrsOrPrnAmt>
           <sshPrnamt>15911</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>15911</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CENTERPOINT ENERGY INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>15189T107</cusip>
       <value>1986</value>
       <shrsOrPrnAmt>
           <sshPrnamt>72840</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,25</otherManager>
       <votingAuthority>
           <Sole>72840</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CENTURYLINK INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>156700106</cusip>
       <value>214</value>
       <shrsOrPrnAmt>
           <sshPrnamt>16165</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>25</otherManager>
       <votingAuthority>
           <Sole>16165</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CHEMOURS CO/THE</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>163851108</cusip>
       <value>585</value>
       <shrsOrPrnAmt>
           <sshPrnamt>32420</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>32420</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CHEVRON CORP COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>166764100</cusip>
       <value>21287</value>
       <shrsOrPrnAmt>
           <sshPrnamt>177753</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3,8,25</otherManager>
       <votingAuthority>
           <Sole>177753</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>17275R102</cusip>
       <value>54434</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1142044</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3,8,23,25</otherManager>
       <votingAuthority>
           <Sole>1142044</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CITIGROUP INC COM NEW</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>172967424</cusip>
       <value>18924</value>
       <shrsOrPrnAmt>
           <sshPrnamt>240730</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>240730</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CLOROX COMPANY</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>189054109</cusip>
       <value>2507</value>
       <shrsOrPrnAmt>
           <sshPrnamt>16326</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>16326</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>COCA-COLA CO/THE</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>191216100</cusip>
       <value>30888</value>
       <shrsOrPrnAmt>
           <sshPrnamt>558239</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,23,25</otherManager>
       <votingAuthority>
           <Sole>558239</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>COLGATE-PALMOLIVE CO COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>194162103</cusip>
       <value>11021</value>
       <shrsOrPrnAmt>
           <sshPrnamt>160721</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,23,24,25</otherManager>
       <votingAuthority>
           <Sole>160721</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>COMCAST CORP NEW-CL A</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>20030N101</cusip>
       <value>14012</value>
       <shrsOrPrnAmt>
           <sshPrnamt>311584</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,8,25</otherManager>
       <votingAuthority>
           <Sole>311584</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>COMERICA INC</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>200340107</cusip>
       <value>1322</value>
       <shrsOrPrnAmt>
           <sshPrnamt>18414</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>18414</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CUMMINS INC</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>231021106</cusip>
       <value>6436</value>
       <shrsOrPrnAmt>
           <sshPrnamt>35970</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,23</otherManager>
       <votingAuthority>
           <Sole>35970</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>DXC TECHNOLOGY CO COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>23355L106</cusip>
       <value>458</value>
       <shrsOrPrnAmt>
           <sshPrnamt>12172</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>25</otherManager>
       <votingAuthority>
           <Sole>12172</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>DANAHER CORP COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>235851102</cusip>
       <value>1724</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11227</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>24,25</otherManager>
       <votingAuthority>
           <Sole>11227</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>DARDEN RESTAURANTS INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>237194105</cusip>
       <value>4433</value>
       <shrsOrPrnAmt>
           <sshPrnamt>40662</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,23,24,25</otherManager>
       <votingAuthority>
           <Sole>40662</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>DELTA AIR LINES INC DEL COM NEW</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>247361702</cusip>
       <value>19444</value>
       <shrsOrPrnAmt>
           <sshPrnamt>333777</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3,23</otherManager>
       <votingAuthority>
           <Sole>333777</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>DISNEY WALT CO COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>254687106</cusip>
       <value>21834</value>
       <shrsOrPrnAmt>
           <sshPrnamt>149060</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>149060</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>DISCOVER FINL SVCS</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>254709108</cusip>
       <value>3713</value>
       <shrsOrPrnAmt>
           <sshPrnamt>43776</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>43776</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>DISCOVERY INC NEW COM SER A</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>25470F104</cusip>
       <value>11064</value>
       <shrsOrPrnAmt>
           <sshPrnamt>337286</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>337286</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>DISH NETWORK CORPORATION COM USD0.01 CLASS A</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>25470M109</cusip>
       <value>3890</value>
       <shrsOrPrnAmt>
           <sshPrnamt>110815</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>110815</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>DOMINION ENERGY INC COM STK NPV</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>25746U109</cusip>
       <value>8299</value>
       <shrsOrPrnAmt>
           <sshPrnamt>100203</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,8,25</otherManager>
       <votingAuthority>
           <Sole>100203</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>DOVER CORP COM USD1.00</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>260003108</cusip>
       <value>2248</value>
       <shrsOrPrnAmt>
           <sshPrnamt>19506</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>19506</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>DOW INC COM USD0.01 WI</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>260557103</cusip>
       <value>2751</value>
       <shrsOrPrnAmt>
           <sshPrnamt>50252</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,25</otherManager>
       <votingAuthority>
           <Sole>50252</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>DUKE ENERGY CORP NEW COM NEW COM NEW</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>26441C204</cusip>
       <value>3995</value>
       <shrsOrPrnAmt>
           <sshPrnamt>43798</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,25</otherManager>
       <votingAuthority>
           <Sole>43798</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>EOG RESOURCES INC</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>26875P101</cusip>
       <value>5179</value>
       <shrsOrPrnAmt>
           <sshPrnamt>64456</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>64456</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>EASTMAN CHEMICAL CO</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>277432100</cusip>
       <value>1836</value>
       <shrsOrPrnAmt>
           <sshPrnamt>23181</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>23181</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>EATON VANCE CORP</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>278265103</cusip>
       <value>895</value>
       <shrsOrPrnAmt>
           <sshPrnamt>19171</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>19171</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ELECTRONIC ARTS INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>285512109</cusip>
       <value>12842</value>
       <shrsOrPrnAmt>
           <sshPrnamt>121405</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>121405</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>EMERSON ELECTRIC CO COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>291011104</cusip>
       <value>9685</value>
       <shrsOrPrnAmt>
           <sshPrnamt>127024</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,23,25</otherManager>
       <votingAuthority>
           <Sole>127024</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ENTERGY CORP NEW COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>29364G103</cusip>
       <value>3564</value>
       <shrsOrPrnAmt>
           <sshPrnamt>29751</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,25</otherManager>
       <votingAuthority>
           <Sole>29751</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MLP ENTERPRISE PRODS PARTNERS L P COM UNIT</nameOfIssuer>
       <titleOfClass>MLP</titleOfClass>
       <cusip>293792107</cusip>
       <value>2809</value>
       <shrsOrPrnAmt>
           <sshPrnamt>99760</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8</otherManager>
       <votingAuthority>
           <Sole>99760</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>EQUITY LIFESTYLE PPTYS INC COM</nameOfIssuer>
       <titleOfClass>REIT</titleOfClass>
       <cusip>29472R108</cusip>
       <value>2820</value>
       <shrsOrPrnAmt>
           <sshPrnamt>38067</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>38067</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>EXACT SCIENCES CORP</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>30063P105</cusip>
       <value>3027</value>
       <shrsOrPrnAmt>
           <sshPrnamt>32728</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>32728</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>EXXON MOBIL CORP COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>30231G102</cusip>
       <value>7740</value>
       <shrsOrPrnAmt>
           <sshPrnamt>111255</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3,8,25</otherManager>
       <votingAuthority>
           <Sole>111255</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>FACEBOOK INC COM USD0.000006 CL &apos;A&apos;</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>30303M102</cusip>
       <value>5113</value>
       <shrsOrPrnAmt>
           <sshPrnamt>24909</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>24,25</otherManager>
       <votingAuthority>
           <Sole>24909</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>FASTENAL CO COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>311900104</cusip>
       <value>3168</value>
       <shrsOrPrnAmt>
           <sshPrnamt>85747</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23,25</otherManager>
       <votingAuthority>
           <Sole>85747</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>FIDELITY NATIONAL FINANCIAL</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>31620R303</cusip>
       <value>1958</value>
       <shrsOrPrnAmt>
           <sshPrnamt>43201</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>43201</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>FIFTH THIRD BANCORP COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>316773100</cusip>
       <value>3524</value>
       <shrsOrPrnAmt>
           <sshPrnamt>114957</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>114957</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>FIRSTENERGY CORP COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>337932107</cusip>
       <value>3861</value>
       <shrsOrPrnAmt>
           <sshPrnamt>79441</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,25</otherManager>
       <votingAuthority>
           <Sole>79441</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>FORD MTR CO DEL COM PAR $0.01 COM PAR $0.01</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>345370860</cusip>
       <value>2900</value>
       <shrsOrPrnAmt>
           <sshPrnamt>313207</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3,25</otherManager>
       <votingAuthority>
           <Sole>313207</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>FORTIS INC COM NPV</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>349553107</cusip>
       <value>1424</value>
       <shrsOrPrnAmt>
           <sshPrnamt>34270</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,25</otherManager>
       <votingAuthority>
           <Sole>34270</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>FRANKLIN RESOURCES INC</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>354613101</cusip>
       <value>8454</value>
       <shrsOrPrnAmt>
           <sshPrnamt>325379</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>325379</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GAP INC/THE</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>364760108</cusip>
       <value>1564</value>
       <shrsOrPrnAmt>
           <sshPrnamt>88489</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>88489</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>369550108</cusip>
       <value>5759</value>
       <shrsOrPrnAmt>
           <sshPrnamt>32663</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>32663</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>370334104</cusip>
       <value>6150</value>
       <shrsOrPrnAmt>
           <sshPrnamt>114839</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>114839</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GENERAL MTRS CO COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>37045V100</cusip>
       <value>10025</value>
       <shrsOrPrnAmt>
           <sshPrnamt>275138</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>275138</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GENUINE PARTS CO COM USD1.00</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>372460105</cusip>
       <value>4795</value>
       <shrsOrPrnAmt>
           <sshPrnamt>45120</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,23</otherManager>
       <votingAuthority>
           <Sole>45120</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>375558103</cusip>
       <value>4775</value>
       <shrsOrPrnAmt>
           <sshPrnamt>73472</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,24,25</otherManager>
       <votingAuthority>
           <Sole>73472</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GLOBAL X SCIENTIFIC BETA ETF</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>37954Y103</cusip>
       <value>15827</value>
       <shrsOrPrnAmt>
           <sshPrnamt>450000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>450000</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GOLDMAN SACHS ACTIVEBETA INT</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>381430107</cusip>
       <value>18343</value>
       <shrsOrPrnAmt>
           <sshPrnamt>607350</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>607350</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MFC GOLDMAN SACHS ETF TR ACTIVEBETA EMERGING MKTS EQUITY ETF</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>381430206</cusip>
       <value>58272</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1696921</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23,25</otherManager>
       <votingAuthority>
           <Sole>1696921</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GOLDMAN ACTIVEBETA US LC ETF</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>381430503</cusip>
       <value>196022</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3030644</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>3030644</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>HSBC HLDGS PLC SPON ADR NEW</nameOfIssuer>
       <titleOfClass>ADR</titleOfClass>
       <cusip>404280406</cusip>
       <value>448</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11457</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>11457</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>HP INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>40434L105</cusip>
       <value>3990</value>
       <shrsOrPrnAmt>
           <sshPrnamt>194832</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3,25</otherManager>
       <votingAuthority>
           <Sole>194832</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>HANESBRANDS INC COM STK</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>410345102</cusip>
       <value>2312</value>
       <shrsOrPrnAmt>
           <sshPrnamt>155687</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,23</otherManager>
       <votingAuthority>
           <Sole>155687</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>HERSHEY CO/THE</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>427866108</cusip>
       <value>3235</value>
       <shrsOrPrnAmt>
           <sshPrnamt>22014</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>22014</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>HOME DEPOT INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>437076102</cusip>
       <value>53372</value>
       <shrsOrPrnAmt>
           <sshPrnamt>244218</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3,8,23,24,25</otherManager>
       <votingAuthority>
           <Sole>244218</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>HORMEL FOODS CORP COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>440452100</cusip>
       <value>471</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10438</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>24,25</otherManager>
       <votingAuthority>
           <Sole>10438</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>HOST HOTELS &amp; RESORTS INC REIT</nameOfIssuer>
       <titleOfClass>REIT</titleOfClass>
       <cusip>44107P104</cusip>
       <value>326</value>
       <shrsOrPrnAmt>
           <sshPrnamt>17559</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>25</otherManager>
       <votingAuthority>
           <Sole>17559</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ADR ICICI BK LTD</nameOfIssuer>
       <titleOfClass>ADR</titleOfClass>
       <cusip>45104G104</cusip>
       <value>441</value>
       <shrsOrPrnAmt>
           <sshPrnamt>29240</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>24</otherManager>
       <votingAuthority>
           <Sole>29240</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ILLINOIS TOOL WORKS INC COM USD0.01</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>452308109</cusip>
       <value>9809</value>
       <shrsOrPrnAmt>
           <sshPrnamt>54621</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,23</otherManager>
       <votingAuthority>
           <Sole>54621</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>INFOSYS LIMITED ADR</nameOfIssuer>
       <titleOfClass>ADR</titleOfClass>
       <cusip>456788108</cusip>
       <value>284</value>
       <shrsOrPrnAmt>
           <sshPrnamt>27551</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>24</otherManager>
       <votingAuthority>
           <Sole>27551</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>INTEL CORP COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>458140100</cusip>
       <value>45512</value>
       <shrsOrPrnAmt>
           <sshPrnamt>760862</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,23,24,25</otherManager>
       <votingAuthority>
           <Sole>760862</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>INTERNATIONAL BUSINESS MACHS CORP COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>459200101</cusip>
       <value>52251</value>
       <shrsOrPrnAmt>
           <sshPrnamt>389812</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3,8,23,24,25</otherManager>
       <votingAuthority>
           <Sole>389812</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>INTERNATIONAL PAPER CO COM USD1.00</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>460146103</cusip>
       <value>1753</value>
       <shrsOrPrnAmt>
           <sshPrnamt>38071</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>38071</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>INVESCO FTSE RAFI US 1000 ET</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>46137V613</cusip>
       <value>106710</value>
       <shrsOrPrnAmt>
           <sshPrnamt>842291</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>842291</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>IRON MTN INC NEW COM</nameOfIssuer>
       <titleOfClass>REIT</titleOfClass>
       <cusip>46284V101</cusip>
       <value>2327</value>
       <shrsOrPrnAmt>
           <sshPrnamt>73015</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,25</otherManager>
       <votingAuthority>
           <Sole>73015</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES MSCI CANADA ETF</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>464286509</cusip>
       <value>30063</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1006784</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>1006784</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES MSCI USA EQUAL WEIGH</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>464286681</cusip>
       <value>19161</value>
       <shrsOrPrnAmt>
           <sshPrnamt>300000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>300000</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES CORE S&amp;P TOTAL US STOCK MARKET ETF</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>464287150</cusip>
       <value>16478</value>
       <shrsOrPrnAmt>
           <sshPrnamt>226686</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>226686</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES TIPS BOND ETF</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>464287176</cusip>
       <value>7437</value>
       <shrsOrPrnAmt>
           <sshPrnamt>63838</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>63838</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES CORE S&amp;P 500 ETF</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>464287200</cusip>
       <value>536898</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1664601</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3,23</otherManager>
       <votingAuthority>
           <Sole>1664601</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES CORE U.S. AGGREGATE BOND ETF</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>464287226</cusip>
       <value>230550</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2050715</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>2050715</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES S&amp;P 500 GROWTH ETF</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>464287309</cusip>
       <value>6038</value>
       <shrsOrPrnAmt>
           <sshPrnamt>31191</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>31191</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES 7-10 YEAR TREASURY BOND ETF</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>464287440</cusip>
       <value>18337</value>
       <shrsOrPrnAmt>
           <sshPrnamt>164356</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>164356</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES CORE S&amp;P MID-CAP ETF</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>464287507</cusip>
       <value>76851</value>
       <shrsOrPrnAmt>
           <sshPrnamt>374212</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>374212</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES CORE S&amp;P US VALUE ETF</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>464287663</cusip>
       <value>89068</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1416518</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>1416518</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES CORE S&amp;P SMALL-CAP ETF</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>464287804</cusip>
       <value>123864</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1492985</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>1492985</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES TR JP MOR EM MK ETF</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>464288281</cusip>
       <value>142016</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1243894</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>1243894</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES NATIONAL MUNI BOND ETF</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>464288414</cusip>
       <value>39500</value>
       <shrsOrPrnAmt>
           <sshPrnamt>346655</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>346655</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES TR IBOXX HI YD ETF</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>464288513</cusip>
       <value>38916</value>
       <shrsOrPrnAmt>
           <sshPrnamt>443188</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>443188</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES EDGE MSCI USA QUALIT</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>46432F339</cusip>
       <value>95084</value>
       <shrsOrPrnAmt>
           <sshPrnamt>941420</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>941420</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES EDGE MSCI USA VALUE</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>46432F388</cusip>
       <value>81716</value>
       <shrsOrPrnAmt>
           <sshPrnamt>910486</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>910486</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES EDGE MSCI USA MOMENT</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>46432F396</cusip>
       <value>57429</value>
       <shrsOrPrnAmt>
           <sshPrnamt>457203</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>457203</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES TR CORE MSCI TOTAL</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>46432F834</cusip>
       <value>10624</value>
       <shrsOrPrnAmt>
           <sshPrnamt>171627</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>171627</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES TRUST CORE MSCI EAFE ETF</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>46432F842</cusip>
       <value>534919</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8208768</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3,23</otherManager>
       <votingAuthority>
           <Sole>8208768</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES INC CORE MSCI EMKT</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>46434G103</cusip>
       <value>67678</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1264426</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>1264426</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES EDGE MSCI INTL MOMEN</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>46434V449</cusip>
       <value>1474</value>
       <shrsOrPrnAmt>
           <sshPrnamt>47300</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>47300</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHA CURR HEDGED MSCI EAFE</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>46434V803</cusip>
       <value>9769</value>
       <shrsOrPrnAmt>
           <sshPrnamt>320400</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>320400</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES MSCI UNITED KINGDOM</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>46435G334</cusip>
       <value>14605</value>
       <shrsOrPrnAmt>
           <sshPrnamt>428534</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>428534</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JPMORGAN CHASE &amp; CO COM USD1.00</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>46625H100</cusip>
       <value>26624</value>
       <shrsOrPrnAmt>
           <sshPrnamt>193526</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3,24,25</otherManager>
       <votingAuthority>
           <Sole>193526</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JOHNSON &amp; JOHNSON COM USD1</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>478160104</cusip>
       <value>61790</value>
       <shrsOrPrnAmt>
           <sshPrnamt>423820</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,8,23,24,25</otherManager>
       <votingAuthority>
           <Sole>423820</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>JUNIPER NETWORKS INC</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>48203R104</cusip>
       <value>1221</value>
       <shrsOrPrnAmt>
           <sshPrnamt>49583</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>49583</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>KLA CORP</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>482480100</cusip>
       <value>3863</value>
       <shrsOrPrnAmt>
           <sshPrnamt>21688</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>21688</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>KELLOGG CO</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>487836108</cusip>
       <value>4771</value>
       <shrsOrPrnAmt>
           <sshPrnamt>68964</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>68964</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>KEYCORP NEW COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>493267108</cusip>
       <value>11306</value>
       <shrsOrPrnAmt>
           <sshPrnamt>565308</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>565308</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>KIMBERLY-CLARK CORP COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>494368103</cusip>
       <value>19391</value>
       <shrsOrPrnAmt>
           <sshPrnamt>141276</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3,8,24,25</otherManager>
       <votingAuthority>
           <Sole>141276</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>KOHLS CORP</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>500255104</cusip>
       <value>1960</value>
       <shrsOrPrnAmt>
           <sshPrnamt>38497</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>38497</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>KROGER CO COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>501044101</cusip>
       <value>2150</value>
       <shrsOrPrnAmt>
           <sshPrnamt>74163</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>24,25</otherManager>
       <votingAuthority>
           <Sole>74163</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>L3HARRIS TECHNOLOGIES INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>502431109</cusip>
       <value>8944</value>
       <shrsOrPrnAmt>
           <sshPrnamt>45010</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>45010</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>LAM RESEARCH CORP COM USD0.001</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>512807108</cusip>
       <value>9865</value>
       <shrsOrPrnAmt>
           <sshPrnamt>33741</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,23</otherManager>
       <votingAuthority>
           <Sole>33741</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>LAS VEGAS SANDS CORP COM STK</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>517834107</cusip>
       <value>3717</value>
       <shrsOrPrnAmt>
           <sshPrnamt>53831</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,25</otherManager>
       <votingAuthority>
           <Sole>53831</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ESTEE LAUDER COMPANIES INC CL A USD0.01</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>518439104</cusip>
       <value>3557</value>
       <shrsOrPrnAmt>
           <sshPrnamt>17220</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>24,25</otherManager>
       <votingAuthority>
           <Sole>17220</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>LEGGETT &amp; PLATT INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>524660107</cusip>
       <value>2932</value>
       <shrsOrPrnAmt>
           <sshPrnamt>57676</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,23,25</otherManager>
       <votingAuthority>
           <Sole>57676</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ELI LILLY &amp; CO COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>532457108</cusip>
       <value>19535</value>
       <shrsOrPrnAmt>
           <sshPrnamt>148673</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,23,24,25</otherManager>
       <votingAuthority>
           <Sole>148673</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>LINCOLN NATIONAL CORP COM NPV</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>534187109</cusip>
       <value>10273</value>
       <shrsOrPrnAmt>
           <sshPrnamt>174065</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>174065</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>LLOYDS BANKING GROUP PLC SPONSORED ADR</nameOfIssuer>
       <titleOfClass>ADR</titleOfClass>
       <cusip>539439109</cusip>
       <value>543</value>
       <shrsOrPrnAmt>
           <sshPrnamt>163924</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>163924</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>539830109</cusip>
       <value>13767</value>
       <shrsOrPrnAmt>
           <sshPrnamt>35370</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>35370</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>LOWES COMPANIES INC COM USD0.50</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>548661107</cusip>
       <value>3947</value>
       <shrsOrPrnAmt>
           <sshPrnamt>32954</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>32954</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>M &amp;T BANK CORP COM USD0.50</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>55261F104</cusip>
       <value>2427</value>
       <shrsOrPrnAmt>
           <sshPrnamt>14295</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>14295</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MLP MAGELLAN MIDSTREAM PARTNERS LP COM UNIT REPSTG LTD PARTNER INT</nameOfIssuer>
       <titleOfClass>MLP</titleOfClass>
       <cusip>559080106</cusip>
       <value>1888</value>
       <shrsOrPrnAmt>
           <sshPrnamt>30025</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8</otherManager>
       <votingAuthority>
           <Sole>30025</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MAGNA INTL INC COM NPV</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>559222401</cusip>
       <value>3448</value>
       <shrsOrPrnAmt>
           <sshPrnamt>62894</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23,24,25</otherManager>
       <votingAuthority>
           <Sole>62894</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MASCO CORP COM USD1.00</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>574599106</cusip>
       <value>9416</value>
       <shrsOrPrnAmt>
           <sshPrnamt>197808</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>197808</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MASTERCARD INC CL A</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>57636Q104</cusip>
       <value>20523</value>
       <shrsOrPrnAmt>
           <sshPrnamt>69162</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>69162</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MAXIM INTEGRATED PRODUCTS</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>57772K101</cusip>
       <value>2869</value>
       <shrsOrPrnAmt>
           <sshPrnamt>46640</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>46640</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MC DONALDS CORP COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>580135101</cusip>
       <value>19198</value>
       <shrsOrPrnAmt>
           <sshPrnamt>97178</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,23,24,25</otherManager>
       <votingAuthority>
           <Sole>97178</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MERCK &amp; CO. INC.</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>58933Y105</cusip>
       <value>38721</value>
       <shrsOrPrnAmt>
           <sshPrnamt>425842</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,8,23,24,25</otherManager>
       <votingAuthority>
           <Sole>425842</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>METHANEX CORP</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>59151K108</cusip>
       <value>438</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11353</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>11353</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>METLIFE INC COM STK USD0.01</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>59156R108</cusip>
       <value>2811</value>
       <shrsOrPrnAmt>
           <sshPrnamt>55155</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,24,25</otherManager>
       <votingAuthority>
           <Sole>55155</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MICROSOFT CORP COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>594918104</cusip>
       <value>57085</value>
       <shrsOrPrnAmt>
           <sshPrnamt>365109</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3,8,24,25</otherManager>
       <votingAuthority>
           <Sole>365109</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MICRON TECH INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>595112103</cusip>
       <value>2160</value>
       <shrsOrPrnAmt>
           <sshPrnamt>40163</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>24,25</otherManager>
       <votingAuthority>
           <Sole>40163</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MONDELEZ INTL INC COM NPV</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>609207105</cusip>
       <value>11318</value>
       <shrsOrPrnAmt>
           <sshPrnamt>208118</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>208118</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>NIKE INC CL B</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>654106103</cusip>
       <value>1627</value>
       <shrsOrPrnAmt>
           <sshPrnamt>16062</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>24,25</otherManager>
       <votingAuthority>
           <Sole>16062</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>NORDSTROM INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>655664100</cusip>
       <value>1954</value>
       <shrsOrPrnAmt>
           <sshPrnamt>47748</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23,25</otherManager>
       <votingAuthority>
           <Sole>47748</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>NORFOLK SOUTHERN CORP COM USD1</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>655844108</cusip>
       <value>9965</value>
       <shrsOrPrnAmt>
           <sshPrnamt>51375</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>51375</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>NORTHERN TRUST CORP</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>665859104</cusip>
       <value>2643</value>
       <shrsOrPrnAmt>
           <sshPrnamt>24890</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>24890</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>NORTHROP GRUMMAN CORP COM USD1</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>666807102</cusip>
       <value>14192</value>
       <shrsOrPrnAmt>
           <sshPrnamt>41017</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>41017</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>NUCOR CORP</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>670346105</cusip>
       <value>2656</value>
       <shrsOrPrnAmt>
           <sshPrnamt>47209</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>47209</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>NVIDIA CORP</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>67066G104</cusip>
       <value>7265</value>
       <shrsOrPrnAmt>
           <sshPrnamt>30874</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>30874</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>NUTRIEN LTD COM NPV</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>67077M108</cusip>
       <value>2054</value>
       <shrsOrPrnAmt>
           <sshPrnamt>42882</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8</otherManager>
       <votingAuthority>
           <Sole>42882</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>OCCIDENTAL PETROLEUM CORP</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>674599105</cusip>
       <value>3096</value>
       <shrsOrPrnAmt>
           <sshPrnamt>75115</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,8,25</otherManager>
       <votingAuthority>
           <Sole>75115</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>OMNICOM GROUP INC COM USD0.15</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>681919106</cusip>
       <value>10326</value>
       <shrsOrPrnAmt>
           <sshPrnamt>127743</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3,23</otherManager>
       <votingAuthority>
           <Sole>127743</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ON SEMICONDUCTOR CORP COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>682189105</cusip>
       <value>248</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10186</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>25</otherManager>
       <votingAuthority>
           <Sole>10186</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ORACLE CORP COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>68389X105</cusip>
       <value>7607</value>
       <shrsOrPrnAmt>
           <sshPrnamt>142504</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3,24,25</otherManager>
       <votingAuthority>
           <Sole>142504</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PNC FINANCIAL SERVICES GROUP COM STK</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>693475105</cusip>
       <value>1611</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10091</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,25</otherManager>
       <votingAuthority>
           <Sole>10091</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PPL CORP COM ISIN US69351T1060</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>69351T106</cusip>
       <value>2880</value>
       <shrsOrPrnAmt>
           <sshPrnamt>80280</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,25</otherManager>
       <votingAuthority>
           <Sole>80280</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PARKER-HANNIFIN CORP COM USD0.50</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>701094104</cusip>
       <value>3937</value>
       <shrsOrPrnAmt>
           <sshPrnamt>19130</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>19130</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>704326107</cusip>
       <value>4038</value>
       <shrsOrPrnAmt>
           <sshPrnamt>47503</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>47503</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PEMBINA PIPELINE CORPORATION COMMON STOCK</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>706327103</cusip>
       <value>2296</value>
       <shrsOrPrnAmt>
           <sshPrnamt>61847</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,25</otherManager>
       <votingAuthority>
           <Sole>61847</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PEOPLES UTD FINL INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>712704105</cusip>
       <value>1372</value>
       <shrsOrPrnAmt>
           <sshPrnamt>81150</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,25</otherManager>
       <votingAuthority>
           <Sole>81150</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PEPSICO INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>713448108</cusip>
       <value>49473</value>
       <shrsOrPrnAmt>
           <sshPrnamt>362279</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3,8,23,24,25</otherManager>
       <votingAuthority>
           <Sole>362279</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PFIZER INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>717081103</cusip>
       <value>49893</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1274265</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3,8,23,24,25</otherManager>
       <votingAuthority>
           <Sole>1274265</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PHILIP MORRIS INTL COM STK NPV</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>718172109</cusip>
       <value>51542</value>
       <shrsOrPrnAmt>
           <sshPrnamt>607137</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3,8,23,25</otherManager>
       <votingAuthority>
           <Sole>607137</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PHILLIPS 66 COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>718546104</cusip>
       <value>16112</value>
       <shrsOrPrnAmt>
           <sshPrnamt>144683</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,8,23,25</otherManager>
       <votingAuthority>
           <Sole>144683</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PINNACLE W. CAP CORP COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>723484101</cusip>
       <value>912</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10141</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>24,25</otherManager>
       <votingAuthority>
           <Sole>10141</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>POPULAR INC COM NEW</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>733174700</cusip>
       <value>5021</value>
       <shrsOrPrnAmt>
           <sshPrnamt>86818</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>86818</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>T ROWE PRICE GROUP INC</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>74144T108</cusip>
       <value>7937</value>
       <shrsOrPrnAmt>
           <sshPrnamt>65151</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,23</otherManager>
       <votingAuthority>
           <Sole>65151</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PRINCIPAL FINANCIAL GROUP</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>74251V102</cusip>
       <value>4828</value>
       <shrsOrPrnAmt>
           <sshPrnamt>87832</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,23</otherManager>
       <votingAuthority>
           <Sole>87832</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PROCTER &amp; GAMBLE COM NPV</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>742718109</cusip>
       <value>19604</value>
       <shrsOrPrnAmt>
           <sshPrnamt>157020</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,8,23,24,25</otherManager>
       <votingAuthority>
           <Sole>157020</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PROGRESSIVE CORP</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>743315103</cusip>
       <value>3092</value>
       <shrsOrPrnAmt>
           <sshPrnamt>42732</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>42732</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>QORVO INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>74736K101</cusip>
       <value>6011</value>
       <shrsOrPrnAmt>
           <sshPrnamt>53134</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>53134</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>QUEST DIAGNOSTICS INC COM USD0.01</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>74834L100</cusip>
       <value>4182</value>
       <shrsOrPrnAmt>
           <sshPrnamt>39166</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,23</otherManager>
       <votingAuthority>
           <Sole>39166</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>RAYTHEON CO COM NEW</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>755111507</cusip>
       <value>3630</value>
       <shrsOrPrnAmt>
           <sshPrnamt>16521</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>16521</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>REGIONS FINL CORP NEW COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>7591EP100</cusip>
       <value>3770</value>
       <shrsOrPrnAmt>
           <sshPrnamt>220791</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>220791</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>REPUBLIC SVCS INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>760759100</cusip>
       <value>962</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10731</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>24,25</otherManager>
       <votingAuthority>
           <Sole>10731</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROBERT HALF INTL INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>770323103</cusip>
       <value>1003</value>
       <shrsOrPrnAmt>
           <sshPrnamt>15893</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>24,25</otherManager>
       <votingAuthority>
           <Sole>15893</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROGERS COMMS INC CLASS&apos;B&apos;COM CAD1.62478</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>775109200</cusip>
       <value>7519</value>
       <shrsOrPrnAmt>
           <sshPrnamt>151491</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,23,24,25</otherManager>
       <votingAuthority>
           <Sole>151491</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROSS STORES INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>778296103</cusip>
       <value>1573</value>
       <shrsOrPrnAmt>
           <sshPrnamt>13505</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>24,25</otherManager>
       <votingAuthority>
           <Sole>13505</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROYAL BK OF CANADA COM NPV</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>780087102</cusip>
       <value>2563</value>
       <shrsOrPrnAmt>
           <sshPrnamt>32356</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,24,25</otherManager>
       <votingAuthority>
           <Sole>32356</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ADR ROYAL DUTCH SHELL PLC SPONSORED ADR REPSTG A SHS</nameOfIssuer>
       <titleOfClass>ADR</titleOfClass>
       <cusip>780259206</cusip>
       <value>3256</value>
       <shrsOrPrnAmt>
           <sshPrnamt>55209</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8</otherManager>
       <votingAuthority>
           <Sole>55209</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR PORTFOLIO INTERMEDIATE TERM CORPORATE BOND ETF</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>78464A375</cusip>
       <value>487658</value>
       <shrsOrPrnAmt>
           <sshPrnamt>13809697</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>13809697</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR SERIES TRUST NUVEEN BLMBRG SR</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>78468R739</cusip>
       <value>14432</value>
       <shrsOrPrnAmt>
           <sshPrnamt>293959</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>293959</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR RUSSELL 1000 MOMEN FOCU</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>78468R762</cusip>
       <value>7862</value>
       <shrsOrPrnAmt>
           <sshPrnamt>100590</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>100590</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCHWAB FUNDAMENTAL EM L/C</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>808524730</cusip>
       <value>43224</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1449044</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>1449044</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCHWAB FUNDAMENTAL INTL L/C</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>808524755</cusip>
       <value>168253</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5815884</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>5815884</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SIMON PROPERTY GROUP INC COM</nameOfIssuer>
       <titleOfClass>REIT</titleOfClass>
       <cusip>828806109</cusip>
       <value>1565</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10510</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,25</otherManager>
       <votingAuthority>
           <Sole>10510</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SKYWORKS SOLUTIONS INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>83088M102</cusip>
       <value>1689</value>
       <shrsOrPrnAmt>
           <sshPrnamt>13971</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>24,25</otherManager>
       <votingAuthority>
           <Sole>13971</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SMITH &amp; NEPHEW ADR EACH REPR 2 ORD</nameOfIssuer>
       <titleOfClass>ADR</titleOfClass>
       <cusip>83175M205</cusip>
       <value>533</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11093</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>11093</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SOUTHWEST AIRLNS CO</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>844741108</cusip>
       <value>2330</value>
       <shrsOrPrnAmt>
           <sshPrnamt>43171</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>43171</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPIRIT AEROSYSTEMS HLDGS INC CL A</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>848574109</cusip>
       <value>6516</value>
       <shrsOrPrnAmt>
           <sshPrnamt>85464</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3,24,25</otherManager>
       <votingAuthority>
           <Sole>85464</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>STANLEY BLACK &amp; DECKER INC COM USD2.50</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>854502101</cusip>
       <value>6871</value>
       <shrsOrPrnAmt>
           <sshPrnamt>41456</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>41456</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>STARBUCKS CORP COM USD0.001</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>855244109</cusip>
       <value>3975</value>
       <shrsOrPrnAmt>
           <sshPrnamt>45207</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,24,25</otherManager>
       <votingAuthority>
           <Sole>45207</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SYNCHRONY FINL COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>87165B103</cusip>
       <value>3457</value>
       <shrsOrPrnAmt>
           <sshPrnamt>95575</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3,24,25</otherManager>
       <votingAuthority>
           <Sole>95575</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SYSCO CORP</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>871829107</cusip>
       <value>4400</value>
       <shrsOrPrnAmt>
           <sshPrnamt>51458</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>51458</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TD AMERITRADE HOLDING CORP</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>87236Y108</cusip>
       <value>2589</value>
       <shrsOrPrnAmt>
           <sshPrnamt>52036</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>52036</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TJX COS INC COM NEW</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>872540109</cusip>
       <value>863</value>
       <shrsOrPrnAmt>
           <sshPrnamt>14142</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>24,25</otherManager>
       <votingAuthority>
           <Sole>14142</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>T MOBILE US INC COM USD0.00001</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>872590104</cusip>
       <value>8381</value>
       <shrsOrPrnAmt>
           <sshPrnamt>106829</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>106829</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ADR TAIWAN SEMICONDUCTOR MANUFACTURING SPON ADS EACH REP 5 ORD TWD10</nameOfIssuer>
       <titleOfClass>ADR</titleOfClass>
       <cusip>874039100</cusip>
       <value>2469</value>
       <shrsOrPrnAmt>
           <sshPrnamt>42486</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,24</otherManager>
       <votingAuthority>
           <Sole>42486</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TARGET CORP COM STK</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>87612E106</cusip>
       <value>29407</value>
       <shrsOrPrnAmt>
           <sshPrnamt>224123</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,8,23,24,25</otherManager>
       <votingAuthority>
           <Sole>224123</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TELUS CORP</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>87971M103</cusip>
       <value>4568</value>
       <shrsOrPrnAmt>
           <sshPrnamt>118148</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>118148</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ADR TEVA PHARMACEUTICAL INDS</nameOfIssuer>
       <titleOfClass>ADR</titleOfClass>
       <cusip>881624209</cusip>
       <value>217</value>
       <shrsOrPrnAmt>
           <sshPrnamt>22146</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>25</otherManager>
       <votingAuthority>
           <Sole>22146</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TEXAS INSTRUMENTS INC COM USD1.00</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>882508104</cusip>
       <value>25412</value>
       <shrsOrPrnAmt>
           <sshPrnamt>198115</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,8,23,24,25</otherManager>
       <votingAuthority>
           <Sole>198115</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>3M CO</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>88579Y101</cusip>
       <value>17065</value>
       <shrsOrPrnAmt>
           <sshPrnamt>96752</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>96752</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TORONTO-DOMINION COM NPV</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>891160509</cusip>
       <value>1207</value>
       <shrsOrPrnAmt>
           <sshPrnamt>21486</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>24,25</otherManager>
       <votingAuthority>
           <Sole>21486</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TRUECAR INC</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>89785L107</cusip>
       <value>42954</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9042992</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>9042992</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TWITTER INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>90184L102</cusip>
       <value>348</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10848</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>24,25</otherManager>
       <votingAuthority>
           <Sole>10848</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>US BANCORP DEL COM NEW</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>902973304</cusip>
       <value>2829</value>
       <shrsOrPrnAmt>
           <sshPrnamt>47721</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>47721</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>UNDER ARMOUR INC CL C COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>904311206</cusip>
       <value>216</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11266</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>25</otherManager>
       <votingAuthority>
           <Sole>11266</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>UNION PACIFIC CORP COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>907818108</cusip>
       <value>12676</value>
       <shrsOrPrnAmt>
           <sshPrnamt>70697</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>70697</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>UNITED AIRLINES HOLDINGS INC COM USD0.01</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>910047109</cusip>
       <value>1816</value>
       <shrsOrPrnAmt>
           <sshPrnamt>20619</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>24,25</otherManager>
       <votingAuthority>
           <Sole>20619</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>UNITED PARCEL SVC INC CL B</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>911312106</cusip>
       <value>20054</value>
       <shrsOrPrnAmt>
           <sshPrnamt>171350</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,23,25</otherManager>
       <votingAuthority>
           <Sole>171350</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>UNUM GROUP</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>91529Y106</cusip>
       <value>935</value>
       <shrsOrPrnAmt>
           <sshPrnamt>32068</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>32068</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VF CORP</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>918204108</cusip>
       <value>1094</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10972</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>10972</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANECK VECTORS ETF TR HIGH YLD MUN ETF</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>92189H409</cusip>
       <value>5093</value>
       <shrsOrPrnAmt>
           <sshPrnamt>79408</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>79408</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MFC VANGUARD SPECIALIZED FUNDS VANGUARD DIVIDEND APPRECIATION ETF</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>921908844</cusip>
       <value>17676</value>
       <shrsOrPrnAmt>
           <sshPrnamt>141799</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>141799</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD TOTAL INTL STOCK</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>921909768</cusip>
       <value>29512</value>
       <shrsOrPrnAmt>
           <sshPrnamt>530125</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>530125</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SHORT-TERM BOND ETF</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>921937827</cusip>
       <value>92536</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1148228</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>1148228</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD TOTAL BOND MARKET</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>921937835</cusip>
       <value>48062</value>
       <shrsOrPrnAmt>
           <sshPrnamt>573191</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>573191</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD FTSE DEVELOPED ETF</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>921943858</cusip>
       <value>869545</value>
       <shrsOrPrnAmt>
           <sshPrnamt>19744460</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>19744460</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD HIGH DVD YIELD ETF</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>921946406</cusip>
       <value>762788</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8140721</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>8140721</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INTL EQUITY INDEX FUND INC TOTAL WORLD STK INDEX FUND ETF SHS</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>922042742</cusip>
       <value>36537</value>
       <shrsOrPrnAmt>
           <sshPrnamt>452997</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>452997</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MFC VANGUARD INTL EQUITY INDEX FDS VANGUARD FTSE ALL WORLD EX US ETF</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>922042775</cusip>
       <value>64971</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1208766</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>1208766</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD FTSE EMERGING MARKE</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>922042858</cusip>
       <value>66450</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1494252</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>1494252</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD FTSE EUROPE ETF</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>922042874</cusip>
       <value>24638</value>
       <shrsOrPrnAmt>
           <sshPrnamt>420726</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>420726</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD S/T CORP BOND ETF</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>92206C409</cusip>
       <value>22356</value>
       <shrsOrPrnAmt>
           <sshPrnamt>275938</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>275938</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD LONG-TERM CORP BOND</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>92206C813</cusip>
       <value>23611</value>
       <shrsOrPrnAmt>
           <sshPrnamt>233037</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>233037</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INT-TERM CORPORATE</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>92206C870</cusip>
       <value>22888</value>
       <shrsOrPrnAmt>
           <sshPrnamt>250604</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>250604</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD S&amp;P 500 ETF</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>922908363</cusip>
       <value>245125</value>
       <shrsOrPrnAmt>
           <sshPrnamt>828886</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>828886</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD EXTENDED MARKET ETF</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>922908652</cusip>
       <value>35214</value>
       <shrsOrPrnAmt>
           <sshPrnamt>279518</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>279518</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MFC VANGUARD INDEX FDS TOTAL STOCK MARKET ETF</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>922908769</cusip>
       <value>12449</value>
       <shrsOrPrnAmt>
           <sshPrnamt>76083</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>76083</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VERIZON COMMUNICATIONS COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>92343V104</cusip>
       <value>66613</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1086029</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3,8,23,24,25</otherManager>
       <votingAuthority>
           <Sole>1086029</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VERTEX PHARMACEUTCLS INC</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>92532F100</cusip>
       <value>4508</value>
       <shrsOrPrnAmt>
           <sshPrnamt>20590</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>20590</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VICTORYSHARES USAA CORE INTE</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>92647N527</cusip>
       <value>321585</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6188604</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>6188604</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VICTORYSHARES USAA CORE SHOR</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>92647N535</cusip>
       <value>74849</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1480180</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>1480180</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VICTORYSHARES USAA MSCI EMER</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>92647N543</cusip>
       <value>83597</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1862675</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,23</otherManager>
       <votingAuthority>
           <Sole>1862675</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VICTORYSHARES USAA MSCI INTE</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>92647N550</cusip>
       <value>137761</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2988993</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,23</otherManager>
       <votingAuthority>
           <Sole>2988993</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VICTORYSHARES USAA MSCI USA</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>92647N568</cusip>
       <value>55443</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1023771</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,23</otherManager>
       <votingAuthority>
           <Sole>1023771</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VICTORYSHARES USAA MSCI USA</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>92647N576</cusip>
       <value>205398</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3820197</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,23</otherManager>
       <votingAuthority>
           <Sole>3820197</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VISA INC COM CL A STK</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>92826C839</cusip>
       <value>2174</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11570</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>24,25</otherManager>
       <votingAuthority>
           <Sole>11570</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VISTRA ENERGY CORP COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>92840M102</cusip>
       <value>446</value>
       <shrsOrPrnAmt>
           <sshPrnamt>19388</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>25</otherManager>
       <votingAuthority>
           <Sole>19388</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WEC ENERGY GROUP INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>92939U106</cusip>
       <value>1512</value>
       <shrsOrPrnAmt>
           <sshPrnamt>16389</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,25</otherManager>
       <votingAuthority>
           <Sole>16389</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WALMART INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>931142103</cusip>
       <value>5948</value>
       <shrsOrPrnAmt>
           <sshPrnamt>50047</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,24,25</otherManager>
       <votingAuthority>
           <Sole>50047</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>931427108</cusip>
       <value>1812</value>
       <shrsOrPrnAmt>
           <sshPrnamt>30725</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3</otherManager>
       <votingAuthority>
           <Sole>30725</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WASTE MGMT INC DEL COM STK</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>94106L109</cusip>
       <value>2547</value>
       <shrsOrPrnAmt>
           <sshPrnamt>22347</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>24,25</otherManager>
       <votingAuthority>
           <Sole>22347</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WELLS FARGO &amp; CO NEW COM STK</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>949746101</cusip>
       <value>2378</value>
       <shrsOrPrnAmt>
           <sshPrnamt>44201</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,25</otherManager>
       <votingAuthority>
           <Sole>44201</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WELLTOWER INC COM REIT</nameOfIssuer>
       <titleOfClass>REIT</titleOfClass>
       <cusip>95040Q104</cusip>
       <value>3369</value>
       <shrsOrPrnAmt>
           <sshPrnamt>41200</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,24,25</otherManager>
       <votingAuthority>
           <Sole>41200</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WESTERN UNION CO</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>959802109</cusip>
       <value>2418</value>
       <shrsOrPrnAmt>
           <sshPrnamt>90265</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>90265</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ADR WIPRO LTD SPONSORED ADR REPSTG 1 SH SPONSORED ADR REPSTG 1 SH COM</nameOfIssuer>
       <titleOfClass>ADR</titleOfClass>
       <cusip>97651M109</cusip>
       <value>379</value>
       <shrsOrPrnAmt>
           <sshPrnamt>101168</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>24</otherManager>
       <votingAuthority>
           <Sole>101168</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WISDOMTREE EM SMALL CAP</nameOfIssuer>
       <titleOfClass>ETP</titleOfClass>
       <cusip>97717W281</cusip>
       <value>19079</value>
       <shrsOrPrnAmt>
           <sshPrnamt>399145</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>23</otherManager>
       <votingAuthority>
           <Sole>399145</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>XCEL ENERGY INC COM USD2.5</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>98389B100</cusip>
       <value>10681</value>
       <shrsOrPrnAmt>
           <sshPrnamt>169657</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>169657</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ALLERGAN PLC SHS</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>G0177J108</cusip>
       <value>2828</value>
       <shrsOrPrnAmt>
           <sshPrnamt>15289</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>15289</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ARCH CAPITAL GROUP COM STK</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>G0450A105</cusip>
       <value>922</value>
       <shrsOrPrnAmt>
           <sshPrnamt>21495</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>24,25</otherManager>
       <votingAuthority>
           <Sole>21495</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ATHENE HOLDING LTD COM USD0.001 CL A</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>G0684D107</cusip>
       <value>1561</value>
       <shrsOrPrnAmt>
           <sshPrnamt>33181</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>24,25</otherManager>
       <votingAuthority>
           <Sole>33181</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ACCENTURE PLC SHS CL A NEW</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>G1151C101</cusip>
       <value>6198</value>
       <shrsOrPrnAmt>
           <sshPrnamt>29432</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,24,25</otherManager>
       <votingAuthority>
           <Sole>29432</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>COCA-COLA EUROPEAN PARTNERS PLC ORD GBP0.01</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>G25839104</cusip>
       <value>1356</value>
       <shrsOrPrnAmt>
           <sshPrnamt>26654</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,25</otherManager>
       <votingAuthority>
           <Sole>26654</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>EATON CORP PLC COM USD0.50</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>G29183103</cusip>
       <value>7256</value>
       <shrsOrPrnAmt>
           <sshPrnamt>76600</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,8,24,25</otherManager>
       <votingAuthority>
           <Sole>76600</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>EVEREST RE GROUP COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>G3223R108</cusip>
       <value>2828</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10215</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>24,25</otherManager>
       <votingAuthority>
           <Sole>10215</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>INGERSOLL-RAND PLC SHS USD1</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>G47791101</cusip>
       <value>12697</value>
       <shrsOrPrnAmt>
           <sshPrnamt>95840</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>95840</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MEDTRONIC PLC COMMON STOCK STOCK</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>G5960L103</cusip>
       <value>16417</value>
       <shrsOrPrnAmt>
           <sshPrnamt>145334</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3,24,25</otherManager>
       <votingAuthority>
           <Sole>145334</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>RENAISSANCE RE HLDGS LTD COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>G7496G103</cusip>
       <value>2807</value>
       <shrsOrPrnAmt>
           <sshPrnamt>14318</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>24,25</otherManager>
       <votingAuthority>
           <Sole>14318</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TECHNIPFMC PLC USD1</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>G87110105</cusip>
       <value>3548</value>
       <shrsOrPrnAmt>
           <sshPrnamt>171159</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>171159</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>H84989104</cusip>
       <value>1031</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10757</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>24,25</otherManager>
       <votingAuthority>
           <Sole>10757</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>LYONDELLBASELL IND N V COM USD0.01 CL &apos;A&apos;</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>N53745100</cusip>
       <value>2142</value>
       <shrsOrPrnAmt>
           <sshPrnamt>22678</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,25</otherManager>
       <votingAuthority>
           <Sole>22678</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MYLAN NV</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>N59465109</cusip>
       <value>384</value>
       <shrsOrPrnAmt>
           <sshPrnamt>19091</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>25</otherManager>
       <votingAuthority>
           <Sole>19091</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>NXP SEMICONDUCTORS N V COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>N6596X109</cusip>
       <value>11812</value>
       <shrsOrPrnAmt>
           <sshPrnamt>94989</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2,3</otherManager>
       <votingAuthority>
           <Sole>94989</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TRAVELERS COS INC COM STK</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>89417E109</cusip>
       <value>1753</value>
       <shrsOrPrnAmt>
           <sshPrnamt>12804</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>24,25</otherManager>
       <votingAuthority>
           <Sole>12804</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MEDICAL PPTYS TRUST INC COM</nameOfIssuer>
       <titleOfClass>REIT</titleOfClass>
       <cusip>58463J304</cusip>
       <value>2066</value>
       <shrsOrPrnAmt>
           <sshPrnamt>99500</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>99500</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>NORTONLIFELOCK INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>668771108</cusip>
       <value>6145</value>
       <shrsOrPrnAmt>
           <sshPrnamt>240793</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>3,25</otherManager>
       <votingAuthority>
           <Sole>240793</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>KINROSS GOLD CORP COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>496902404</cusip>
       <value>232</value>
       <shrsOrPrnAmt>
           <sshPrnamt>48684</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>24,25</otherManager>
       <votingAuthority>
           <Sole>48684</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CINEMARK HLDGS INC COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>17243V102</cusip>
       <value>1305</value>
       <shrsOrPrnAmt>
           <sshPrnamt>38560</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8</otherManager>
       <votingAuthority>
           <Sole>38560</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TRUIST FINL CORP COM</nameOfIssuer>
       <titleOfClass>Common Stock</titleOfClass>
       <cusip>89832Q109</cusip>
       <value>2487</value>
       <shrsOrPrnAmt>
           <sshPrnamt>44149</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>8,25</otherManager>
       <votingAuthority>
           <Sole>44149</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
</informationTable>
