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Regulatory Requirements (Tables)

9 Months Ended

Sep. 30, 2025

Regulatory Requirements

Schedule of Regulatory Capital and Capital Ratios

Capital Buffer Requirements

			At September 30, 2025 and December 31, 2024
			Standardized			Advanced
Capital buffers
Capital conservation buffer			—%			2.5%
SCB			6.0%			N/A
G-SIB capital surcharge			3.0%			3.0%
CCyB1			—%			—%
Capital buffer requirement			9.0%			5.5%

1.The CCyB can be set up to 2.5%, but is currently set by the Federal Reserve at zero.

Risk-Based Regulatory Capital Ratio Requirements

			Regulatory Minimum			At September 30, 2025 and December 31, 2024
						Standardized			Advanced
Required ratios1
CET1 capital ratio			4.5		%	13.5%			10.0%
Tier 1 capital ratio			6.0		%	15.0%			11.5%
Total capital ratio			8.0		%	17.0%			13.5%

1.Required ratios represent the regulatory minimum plus the capital buffer requirement.

The Firm’s Regulatory Capital and Capital Ratios

Risk-based capital

			Standardized
$ in millions			At September 30, 2025			At December 31, 2024
Risk-based capital
CET1 capital			$	81,303		$	75,095
Tier 1 capital			91,036			84,790
Total capital			101,733			95,567
Total RWA			539,296			471,834
Risk-based capital ratio
CET1 capital			15.1		%	15.9		%
Tier 1 capital			16.9		%	18.0		%
Total capital			18.9		%	20.3		%
Required ratio1
CET1 capital			13.5		%	13.5		%
Tier 1 capital			15.0		%	15.0		%
Total capital			17.0		%	17.0		%

1.Required ratios are inclusive of any buffers applicable as of the date presented.

Leveraged-based capital

$ in millions			At September 30, 2025			At December 31, 2024
Leveraged-based capital
Adjusted average assets1			$	1,340,745		$	1,223,779
Supplementary leverage exposure2			1,659,985			1,517,687
Leveraged-based capital ratio
Tier 1 leverage			6.8		%	6.9		%
SLR			5.5		%	5.6		%
Required ratio3
Tier 1 leverage			4.0		%	4.0		%
SLR			5.0		%	5.0		%

1.Adjusted average assets represents the denominator of the Tier 1 leverage ratio and is composed of the average daily balance of consolidated on-balance sheet assets for the quarters ending on the respective balance sheet dates, reduced by disallowed goodwill, intangible assets, investments in covered funds, defined benefit pension plan assets, after-tax gain on sale from assets sold into securitizations, investments in our own capital instruments, certain deferred tax assets and other capital deductions.

2.Supplementary leverage exposure is the sum of Adjusted average assets used in the Tier 1 leverage ratio and other adjustments, primarily: (i) for derivatives, potential future exposure and the effective notional principal amount of sold credit protection offset by qualifying purchased credit protection; (ii) the counterparty credit risk for repo-style transactions; and (iii) the credit equivalent amount for off-balance sheet exposures.

3.Required ratios are inclusive of any buffers applicable as of the date presented.

MSBNA

Regulatory Requirements

Schedule of Regulatory Capital and Capital Ratios

MSBNA’s Regulatory Capital

			Well-Capitalized Requirement			Required Ratio1			At September 30, 2025						At December 31, 2024
$ in millions									Amount			Ratio			Amount			Ratio
Risk-based capital
CET1 capital			6.5		%	7.0		%	$	25,948		19.8		%	$	22,165		20.1		%
Tier 1 capital			8.0		%	8.5		%	25,948			19.8		%	22,165			20.1		%
Total capital			10.0		%	10.5		%	26,890			20.5		%	22,993			20.9		%
Leverage-based capital
Tier 1 leverage			5.0		%	4.0		%	$	25,948		10.5		%	$	22,165		9.7		%
SLR			6.0		%	3.0		%	25,948			7.8		%	22,165			7.4		%

MSPBNA

Regulatory Requirements

Schedule of Regulatory Capital and Capital Ratios

MSPBNA’s Regulatory Capital

			Well-Capitalized Requirement			Required Ratio1			At September 30, 2025						At December 31, 2024
$ in millions									Amount			Ratio			Amount			Ratio
Risk-based capital
CET1 capital			6.5		%	7.0		%	$	17,613		26.8		%	$	16,672		26.1		%
Tier 1 capital			8.0		%	8.5		%	17,613			26.8		%	16,672			26.1		%
Total capital			10.0		%	10.5		%	18,007			27.4		%	17,004			26.6		%
Leverage-based capital
Tier 1 leverage			5.0		%	4.0		%	$	17,613		7.6		%	$	16,672		7.7		%
SLR			6.0		%	3.0		%	17,613			7.4		%	16,672			7.5		%

1.Required ratios are inclusive of any buffers applicable as of the date presented. Failure to maintain the buffers would result in restrictions on the ability to make capital distributions, including the payment of dividends.

MS&Co.

Regulatory Requirements

Schedule of Broker-Dealer Regulatory Capital Requirements

MS&Co. Regulatory Capital

$ in millions			At September 30, 2025			At December 31, 2024
Net capital			$	18,526		$	18,483
Excess net capital			13,135			13,883

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