Data source: CET1 ratio sourced from FDIC Call Reports (bank-subsidiary level). Published figures from investor relations may differ by 1–2pp as those reflect the bank holding company level. For precise regulatory CET1 figures, refer to each bank's quarterly earnings release.
Morgan Stanley
MSCET1 Ratio
Common Equity Tier 1 / RWA
Risk-Weighted Assets
+0.90% QoQ growth
Total Loan Book
+6.3% YoY growth
Leverage Ratio
Tier 1 / Average assets
CET1 Ratio Trend
8 quarters · regulatory minimum 8% · scoring threshold 12%
RWA Growth
Bars = total ($B) · Line = QoQ growth %
Loan Book Composition
Latest quarter · 2024-Q4
Metric History
8 quarters · FDIC Call Report data
| Quarter | CET1 % | Leverage % | RWA | Loan Book | Loans YoY | RWA QoQ | CRE % | Consumer % | SME % | SRT Score |
|---|---|---|---|---|---|---|---|---|---|---|
| 2024-Q4latest | 15.20% | 5.60% | $456.0B | $272.0B | +6.3% | +0.90% | 10.0% | 14.0% | 16.0% | 39 |
| 2024-Q3 | 15.10% | 5.50% | $452.0B | $268.0B | +6.3% | +0.90% | 10.0% | 14.0% | 16.0% | 21 |
| 2024-Q2 | 15.00% | 5.50% | $448.0B | $264.0B | +6.5% | +0.90% | 10.0% | 14.0% | 16.0% | 29 |
| 2024-Q1 | 15.10% | 5.50% | $444.0B | $260.0B | +4.8% | +0.90% | 10.0% | 14.0% | 16.0% | 13 |
| 2023-Q4 | 15.20% | 5.60% | $440.0B | $256.0B | +8.2% | +0.90% | 10.0% | 14.0% | 16.0% | 16 |
| 2023-Q3 | 15.10% | 5.50% | $436.0B | $252.0B | +8.5% | +0.90% | 10.0% | 14.0% | 16.0% | 29 |
| 2023-Q2 | 15.20% | 5.50% | $432.0B | $248.0B | +8.6% | +0.90% | 10.0% | 14.0% | 16.0% | 16 |
| 2023-Q1 | 15.30% | 5.60% | $428.0B | $244.0B | +8.4% | +0.50% | 10.0% | 14.0% | 16.0% | 16 |
Latest Earnings Signals
From 2026-04-15 SEC 8-K earnings release · composite 1/4
“Provision for credit losses in the quarter was driven by individual assessments for certain commercial real estate loans in addition to increased macroeconomic uncertainty.”
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Score Breakdown
Live score · base 37 pts +2 macro adj
CET1 15.20% — large-bank proactive optimisation
-3.20pp headroom above 8% regulatory floor
Leverage ratio 5.60% — near US enhanced SLR floor
Loan book grew 6.3% YoY
RWA grew 0.9% QoQ
CRE: 10%, Lev.Loans: 23%, max(Consumer/SME): 16%
Bank has previously issued SRT transactions
0 months since last deal — recently completed
Live macro signal: FAVORABLE (sentiment +6/20) — 7/10 pts
$500B–$1.25T total assets — active repeat issuers, genuine sourcing targets
Sentiment +6/20 · global +2 pts