Pricing Supplement Number 72 Dated 05/23/2005

Prudential Financial InterNotes®, Due One Year or More from Date of Issue

Filed under Rule 424(b)(3), Registration Statement(s) No. 333-104444, 333-104444-01, 333-104444-02, 333-123240, 333-123240-01 and 333-123240-02

Pricing Supplement Number 72 Dated 05/23/2005

(to Prospectus dated March 21, 2005 and Prospectus Supplement dated April 29, 2005)

Investors should read this pricing supplement in conjunction with the Prospectus and Prospectus Supplement.

 

CUSIP
Number


   Selling
Price


  Gross
Concession


  Net
Proceeds


   Coupon
Type


   Coupon
Rate


  Coupon
Frequency


   Maturity
Date


   1st Coupon
Date


   1st Coupon
Amount


   Survivor’s
Option


   Product
Ranking


   Moody’s
Rating


   S & P
Rating


74432AHQ6    100.00%   0.400%   $671,304.00    FIXED    3.850%   SEMI-
ANNUAL
   8/15/2007    11/15/2005    $18.07    YES    Senior
Unsecured
Notes
   A3    A-

 

Redemption Information: Non-Callable.

 

 

Joint Lead Managers and Lead Agents: Banc of America Securities LLC, INCAPITAL, LLC Agents: A.G. Edwards & Sons, Inc., Bear, Stearns & Co., Inc., Charles Schwab & Co. Inc., Citigroup, Edward D. Jones & Co., L.P., Fidelity Capital Markets, Merrill Lynch & Co., Morgan Stanley, Ramirez & Co., Inc., Raymond James & Associates, Inc., RBC Dain Rauscher Inc., Muriel Siebert & Co., Inc., UBS Financial Services Inc., Wachovia Securities, LLC

 

CUSIP
Number


   Selling
Price


  Gross
Concession


  Net
Proceeds


   Coupon
Type


   Coupon
Rate


  Coupon
Frequency


   Maturity
Date


   1st Coupon
Date


   1st Coupon
Amount


   Survivor’s
Option


   Product
Ranking


   Moody’s
Rating


   S & P
Rating


74432AHR4    100.00%   2.000%   $4,010,160.00    FIXED    5.350%   SEMI-
ANNUAL
   5/15/2020    11/15/2005    $25.12    YES    Senior
Unsecured
Notes
   A3    A-

 

Redemption Information: Callable at 100.000% on 05/15/2008 and every interest payment date thereafter.

 

 

Joint Lead Managers and Lead Agents: Banc of America Securities LLC, INCAPITAL, LLC Agents: A.G. Edwards & Sons, Inc., Bear, Stearns & Co., Inc., Charles Schwab & Co. Inc., Citigroup, Edward D. Jones & Co., L.P., Fidelity Capital Markets, Merrill Lynch & Co., Morgan Stanley, Ramirez & Co., Inc., Raymond James & Associates, Inc., RBC Dain Rauscher Inc., Muriel Siebert & Co., Inc., UBS Financial Services Inc., Wachovia Securities, LLC The Prudential Financial, Inc. InterNotes will be subject to redemption at the option of Prudential Financial, Inc., in whole on the interest payment date occurring 05/15/2008 and on every interest payment date thereafter at a redemption price equal to 100% of the principal amount of the Prudential Financial, Inc. InterNotes, plus accrued interest thereon, if any, upon at least 30 days’ prior notice to the noteholder and the trustee, as described in the prospectus.

 

Prudential Financial, Inc.

751 Broad Street

Newark NJ 07102

  

Trade Date: Monday, May 23, 2005 @12:00 PM ET

Settlement Date: Thursday, May 26, 2005

 

Minimum Denomination/Increments: $1,000.00/$1,000.00

 

Initial trades settle flat and clear SDFS: DTC Book Entry only DTC number: 0443 via Pershing, LLC

 

If the maturity date or an interest payment date for any

note is not a Business Day (as defined in the Prospectus), principal, premium, if any, and interest for that note is paid on the next Business Day, and no interest will accrue from,

and after, the maturity date or interest payment date.

 

The Prudential Financial, Inc. InterNotes will be

represented by a master global note in fully registered

form, without coupons. The master global note will be

deposited with, or on behalf of, DTC and registered in the

name of a nominee of DTC, as depository, or another

depository as may be named in a subsequent pricing supplement.

 

InterNotes® is a registered trademark of Incapital

Holdings LLC. All rights reserved

  

Prudential Financial, Inc.

$2,000,000,000.00 Prudential Financial Retail

Medium-Term Notes, including Prudential
Financial InterNotes®

Prospectus dated March 21, 2005 and the Prospectus Supplement dated April 29, 2005