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Regulatory Requirements (Tables)

9 Months Ended

Sep. 30, 2019

Schedule of Regulatory Capital and Capital Ratios

The Firm’s Regulatory Capital and Capital Ratios



	At September 30, 2019
$ in millions	Required Ratio¹		Amount		Ratio
Risk-based capital
Common Equity Tier 1 capital	10.0	%	$	64,348	16.3	%
Tier 1 capital	11.5	%	72,937		18.5	%
Total capital	13.5	%	82,661		20.9	%
Total RWA			394,875
Leverage-based capital
Tier 1 leverage	4.0	%	$	72,937	8.2	%
Adjusted average assets²			892,912
SLR	5.0	%	72,937		6.3	%
Supplementary leverage exposure³			1,155,497



	At December 31, 2018
$ in millions	Required Ratio¹		Amount		Ratio
Risk-based capital
Common Equity Tier 1 capital	8.6	%	$	62,086	16.9	%
Tier 1 capital	10.1	%	70,619		19.2	%
Total capital	12.1	%	80,052		21.8	%
Total RWA			367,309
Leverage-based capital
Tier 1 leverage	4.0	%	$	70,619	8.4	%
Adjusted average assets²			843,074
SLR	5.0	%	70,619		6.5	%
Supplementary leverage exposure³			1,092,672


1.	Required ratios are inclusive of any buffers applicable as of the date presented. For 2018, the minimum required regulatory capital ratios for risk-based capital are under the transitional rules.

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 during the quarters ended September 30, 2019 and December 31, 2018, 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 the Firm's own capital instruments, certain deferred tax assets and other capital deductions.

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.

MSBNA

Regulatory Requirements

Schedule of Regulatory Capital and Capital Ratios

MSBNA’s Regulatory Capital



	At September 30, 2019
$ in millions	Required Ratio¹		Amount		Ratio
Risk-based capital
Common Equity Tier 1 capital	6.5	%	$	16,641	19.9	%
Tier 1 capital	8.0	%	16,641		19.9	%
Total capital	10.0	%	16,953		20.3	%
Leverage-based capital
Tier 1 leverage	5.0	%	$	16,641	11.9	%
SLR	6.0	%	16,641		9.2	%



	At December 31, 2018
$ in millions	Required Ratio¹		Amount		Ratio
Risk-based capital
Common Equity Tier 1 capital	6.5	%	$	15,221	19.5	%
Tier 1 capital	8.0	%	15,221		19.5	%
Total capital	10.0	%	15,484		19.8	%
Leverage-based capital
Tier 1 leverage	5.0	%	$	15,221	10.5	%
SLR	6.0	%	15,221		8.2	%

MSPBNA

Regulatory Requirements

Schedule of Regulatory Capital and Capital Ratios

MSPBNA’s Regulatory Capital



	At September 30, 2019
$ in millions	Required Ratio¹		Amount		Ratio
Risk-based capital
Common Equity Tier 1 capital	6.5	%	$	8,281	27.3	%
Tier 1 capital	8.0	%	8,281		27.3	%
Total capital	10.0	%	8,331		27.5	%
Leverage-based capital
Tier 1 leverage	5.0	%	$	8,281	10.8	%
SLR	6.0	%	8,281		10.3	%



	At December 31, 2018
$ in millions	Required Ratio¹		Amount		Ratio
Risk-based capital
Common Equity Tier 1 capital	6.5	%	$	7,183	25.2	%
Tier 1 capital	8.0	%	7,183		25.2	%
Total capital	10.0	%	7,229		25.4	%
Leverage-based capital
Tier 1 leverage	5.0	%	$	7,183	10.0	%
SLR	6.0	%	7,183		9.6	%

Ratios that are required in order to be considered well-capitalized for U.S. regulatory purposes.

MS&Co.

Regulatory Requirements

Schedule of Broker-Dealer Regulatory Capital Requirements

MS&Co. Regulatory Capital



$ in millions	At September 30, 2019		At December 31, 2018
Net capital	$	13,358	$	13,797
Excess net capital	10,453		11,333

MSSB LLC

Regulatory Requirements

Schedule of Broker-Dealer Regulatory Capital Requirements

MSSB LLC Regulatory Capital



$ in millions	At September 30, 2019		At December 31, 2018
Net capital	$	3,772	$	3,455
Excess net capital	3,634		3,313