Morgan Stanley
no content left of this line no content right of this line combination generates significant funding synergies and enhanced deposit profile place content below this line morgan trade pro place content below this line total deposits and cost of deposits bank deposit program savings deposits time deposits off balance sheet deposits replace morgan wholesale bank funding with trade off balance sheet customer cash holdings optimize combined liquidity position source and footnotes guideline no content left of this line no content right of this line | Morgan Stanley
Company
Deck date
February 2020
Slide
14 of 23
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