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Warning Text %XTableStyleMedium2PivotStyleLight16` EIndex!2Summaryd Consolidated" Earnings Per Share Summary STATS CONSOL Avg Equity and ROE @Institutional Securities;wSTATS INSTL SECWealth Management%STATS WMInvestment Management% STATS AUM [KSTATS ISG - Corp LendingCp Appendix IG End Notes Legal Noticeb   ;   ;  ;  ;  ;  ;   ;  ;   ;  ;   ;  ;  ;   ;   ;  ;8H*    ,R$>9Bzݻ(c gu3 A@@   MORGAN STANLEYFinancial Supplement - 3Q 2014Table of ContentsPage #& & & & & .Quarterly Financial Summary3Quarterly Consolidated Income Statement Information$Quarterly Earnings Per Share Summary4 - 5AQuarterly Consolidated Financial Information and Statistical Data?Quarterly Institutional Securities Income Statement Information7MQuarterly Institutional Securities Financial Information and Statistical Data8Quarterly Wealth Management Income Statement InformationFQuarterly Wealth Management Financial Information and Statistical Data<Quarterly Investment Management Income Statement InformationJQuarterly Investment Management Financial Information and Statistical DataBQuarterly Firm Loans and Lending Commitments Financial InformationEarnings Per Share Appendix I14 - 16 End Notes Legal NoticeQuarterly Financial Summary (1) "(unaudited, dollars in millions) Quarter EndedPercentage Change From:Nine Months Ended Percentage Sept 30, 2014 June 30, 2014 Sept 30, 2013Change Net revenuesInstitutional SecuritiesWealth ManagementInvestment ManagementIntersegment EliminationsConsolidated net revenues 9Income (loss) from continuing operations before tax  *  -- EConsolidated income (loss) from continuing operations before tax ,Income (loss) applicable to Morgan Stanley + ;Consolidated income (loss) applicable to Morgan Stanley Financial Metrics:>Return on average common equity from continuing operations (2):#Return on average common equity (2) LReturn on average common equity from continuing operations excluding DVA (2)H1Return on average common equity excluding DVA (2).>Common Equity Tier 1 capital ratio Advanced (Transitional) (3);0Tier 1 capital ratio Advanced (Transitional) (3)-Book value per common share (4)(Tangible book value per common share (5)%Notes:- Results for the quarters ended September 30, 2014, June 30, 2014 and September 30, 2013, include positive (negative) revenue of $215 million, $87 million and $(171) million, respectively, related to the change in the fair value of certain of the Firm's long-term and short-term borrowings resulting from the fluctuation in the Firm's credit spreads and other credit factors (Debt Valuation Adjustment, DVA). The nine months ended September 30, 2014 and September 30, 2013, include o positive (negative) revenue of $428 million and $(313) million, respectively, related to the movement in DVA.- The return on average common equity metrics, return on average common equity excluding DVA metrics, and tangible book value per common share are non-GAAP measures that the Firm considers to be useful measures to assess- operating performance and capital adequacy. - In the quarter ended June 30, 2014, the Firm began using the U.S. Basel III Advanced Approaches (Advanced Approach) to calculate its regulatory capital requirements. Prior periods have not been recast to reflect the new requirements.- See page 4 of the Financial Supplement and End Notes for additional information related to the calculation of the financial metrics.@- Refer to End Notes on pages 14-16 and Legal Notice on page 17. (unaudited, dollars in millions) Revenues:Investment bankingTrading Investments Commissions and fees.Asset management, distribution and admin. feesOtherTotal non-interest revenuesInterest incomeInterest expense Net interestNon-interest expenses:Compensation and benefits Non-compensation expenses:Occupancy and equipment%Brokerage, clearing and exchange fees)Information processing and communications"Marketing and business developmentProfessional servicesOther Total non-compensation expenses Total non-interest expenses5Income (loss) from continuing operations before taxes>Income tax provision / (benefit) from continuing operations <(Income (loss) from continuing operations2Gain (loss) from discontinued operations after taxNet income (loss)ANet income applicable to redeemable noncontrolling interests (1)=?Net income applicable to nonredeemable noncontrolling interests.Net income (loss) applicable to Morgan Stanley$Preferred stock dividend / Other (2)!@Earnings (loss) applicable to Morgan Stanley common shareholders%Amounts applicable to Morgan Stanley:Pre-tax profit margin (3)0Compensation and benefits as a % of net revenues0Non-compensation expenses as a % of net revenues-Effective tax rate from continuing operations- Pre-tax profit margin and return on average common equity are non-GAAP financial measures that the Firm considers to be a useful measure to assess operating performance. - Other revenues for the quarter ended September 30, 2014 included a gain of $141 million related to the sale of a retail property space (allocated to the business segments as follows: Institutional Securities:$ 84 million, Wealth Management: $40 million and Investment Management: $17 million), and a gain related to the sale of TransMontaigne Inc. reported in the Institutional Securities business segment.- In the quarter ended September 30, 2014, income tax provision / (benefit) from continuing operations included a net discrete tax benefit of $237 million (reported in the Institutional Securities business segment)l primarily associated with the repatriation of non-U.S. earnings at a cost lower than originally estimated.- In the quarter ended June 30, 2014, income tax provision / (benefit) from continuing operations included a net discrete tax benefit of $609 million (primarily reported in the Institutional Securities business segment) principally related to the remeasurement of reserves and related interest due to new information regarding the status of a multi-year tax authority examination. - The quarter ended September 30, 2013 included a discrete net tax benefit of $73 million attributable to tax planning strategies to optimize foreign tax credit utilization in anticipation of the repatriation of earnings & from certain non-U.S. subsidiaries. Quarterly Earnings Per Share;(unaudited, dollars in millions, except for per share data) Percentage<Net income applicable to redeemable noncontrolling interestsSNet income (loss) from continuing operations applicable to noncontrolling interestsEIncome (loss) from continuing operations applicable to Morgan StanleyLess: Preferred DividendsELess: Morgan Stanley Smith Barney Joint Venture Redemption AdjustmentIncome (loss) from continuing operations applicable to Morgan Stanley, prior to allocation of income to Participating Restricted Stock UnitsBasic EPS Adjustments:DLess: Allocation of earnings to Participating Restricted Stock Units[Earnings (loss) from continuing operations applicable to Morgan Stanley common shareholders_Less: Gain (loss) from discontinued operations after tax applicable to noncontrolling interestsOGain (loss) from discontinued operations after tax applicable to Morgan Stanley]Earnings (loss) from discontinued operations applicable to Morgan Stanley common shareholders2Average basic common shares outstanding (millions)Earnings per basic share:!Income from continuing operationsDiscontinued operationsEarnings per basic shareRAverage diluted common shares outstanding and common stock equivalents (millions) Earnings per diluted share:Earnings per diluted share`Notes: - The Firm calculates earnings per share using the two-class method as described under the accounting guidance for earnings per share. For further discussion of the Firm's earnings per share calculations, see page 13 of the Financial Supplement and Note 15 to the consolidated financial statements in the Firm's Quarterly Report on Form 10-Q for the quarter ended June 30, 2014./ - Refer to Legal Notice on page 17. (unaudited)Regional revenues (1)Americas"EMEA (Europe, Middle East, Afr< ica)AsiaConsolidated net revenuesWorldwide employees Firmwide:DepositsAssetsU.S. bank assets (2)Risk-weighted assets (3)'Global liquidity reserve (billions) (4)$Long-term debt outstanding9Maturities of long-term debt outstanding (next 12 months) Common equityPreferred equity#Morgan Stanley shareholders' equity2Junior subordinated debt issued to capital trusts (Less: Goodwill and intangible assets (5)$,Tangible Morgan Stanley shareholders' equityTangible common equity (6)8Common Equity Tier 1 capital Advanced (Transitional) (3)5*Tier 1 capital Advanced (Transitional) (3)&0Tier 1 capital ratio Advanced (Transitional) (3),1Tier 1 leverage ratio Advanced (Transitional) (7)-,Period end common shares outstanding (000's)Book value per common share$Tangible book value per common share_- All data presented in millions except number of employees, liquidity, ratios and book values.- In the quarter ended June 30, 2014, the Firm began using the U.S. Basel III Advanced Approaches (Advanced Approach) to calculate its regulatory capital requirements. E Prior periods have not been recast to reflect the new requirements. (unaudited, dollars in billions)Report dated:11/04/14 17:46)Average Common Equity Tier 1 capital (1)& Parent capital Total - continuing operationsFirmAverage Common Equity .Return on average Common Equity Tier 1 capitalReturn on average Common EquityNotes: - In the quarter ended June 30, 2014, the Firm began using the U.S. Basel III Advanced Approaches (Advanced Approach) to calculate its regulatory capital requirements. Prior periods have not been recast to reflect the new requirements.- The return on average common equity and average Common Equity Tier 1 capital are non-GAAP measures that the Firm considers to be useful measures to assess operating performance.- For nine months ended September 30, 2013, the Firm and Wealth Management business segment included a negative adjustment of approximately $151 million (net of tax) related to the purchase of the remaining 35% interest in the Morgan Stanley Smith Barney Joint Venture. This adjustment was included in the numerator for the purposes of calculating the return on average Common Equity and average Common Equity Tier 1 capital. T Excluding this negative adjustment, these calculations would have been as follows:4 Return on average Common Equity Tier 1 capital: GSeptember 30, 2013 YTD: Firm: 8%, Wealth Management: 32%0 Return on average Common Equity: FSeptember 30, 2013 YTD: Firm: 6%, Wealth Management: 10%Sept 30, 2013 InvestmentsCompensation and benefits Non-compensation expensesTotal non-interest expenses 6Income (loss) from continuing operations before taxes 5<Income tax provision / (benefit) from continuing operations ;4Gain (loss) from discontinued operations after tax 3CNet income applicable to nonredeemable noncontrolling interests (1)@:Return on average common equity from continuing operationsPre-tax profit margin (2)- Other revenues for the quarter ended September 30, 2014, included a gain related to the sale of TransMontaigne Inc. and the Institutional Securities portion of a gain related to the sale of a retail property space.- In the quarter ended September 30, 2014, income tax provision / (benefit) from continuing operations included a net discrete tax benefit of $237 million primarily associated with the repatriation of > non-U.S. earnings at a cost lower than originally estimated.- In the quarter ended June 30, 2014, income tax provision / (benefit) from continuing operations included a net discrete tax benefit of $612 million principally related to the remeasurement of reserves and j related interest due to new information regarding the status of a multi-year tax authority examination. - The quarter ended September 30, 2013 included a discrete net tax benefit of $73 million attributable to tax planning strategies to optimize foreign tax credit utilization in anticipation of the repatriation of earnings& from certain non-U.S. subsidiaries.4Quarterly Financial Information and Statistical DataInstitutional Securities Vs. Report dated03/19/03 18:15Investment BankingAdvisory revenuesUnderwriting revenuesEquity Fixed incomeTotal underwriting revenues!Total investment banking revenuesSales & Trading (1)Fixed Income & Commodities"Total sales & trading net revenuesInvestments & Other"Total investments & other revenues+Total Institutional Securities net revenues6Institutional Securities U.S. Bank Data (billions) (2)2 Total corporate funded loans Total other funded loans (3)5Average Daily 95% / One-Day Value-at-Risk ("VaR") (4)12Primary Market Risk Category ($ millions, pre-tax)Interest rate and credit spread Equity priceForeign exchange rateCommodity price&Aggregation of Primary Risk CategoriesCredit Portfolio VaR Trading VaR- See page 15 of the Financial Supplement for additional details on DVA amounts reported in the Institutional Securities business.Non-compensation expenses ;Income tax provision / (benefit) from continuing operations3Gain (loss) from discontinued operations after tax 2BNet income applicable to redeemable noncontrolling interests (1)?ANet income applicable to nonredeemable noncontrolling interests - For the nine months ended September 30, 2013, the return on average common equity included a negative adjustment related to the purchase of the remaining 35% interest in the Morgan Stanley Smith Barney Joint Venture. This adjustment was included in the numerator for the purposes of calculating the return on average common equity. Excluding this negative adjustment, the return on average Q Common Equity would have been 10% for the nine months ended September 30, 2013.Wealth Management "Wealth Management representatives 1Annualized revenue per representative (000's) (1)-Client assets (billions)Client liabilities (billions).Fee-based client account assets (billions) (2)+(Fee-based assets as a % of client assetsBank deposit program (millions)/Client assets per representative (millions) (3), Fee based asset flows (billions)Retail locations/Wealth Management U.S. Bank Data (billions) (4)+ (Securities-based lending and other loansResidential real estate loans'Available for Sale Securities Portfolio- Client liabilities reflect lending on Morgan Stanley Bank, N.A. and Morgan Stanley Private Bank, National Association and broker dealer margin activity.- For the quarters ended September 30, 2014, June 30, 2014 and September 30, 2013, approximately $116 billion, $109 billion and $94 billion, respectively, O of the assets in the bank deposit program are attributable to Morgan Stanley.Investments (1)  Sept 30, 2014 June 30, 2014 Net Revenues (millions)Traditional Asset ManagementMerchant Banking Real Estate Investing (1)Total Investment Management1Assets under management or supervision (billions)Net flows by asset class (2) Fixed Income Liquidity Alternatives"Total Traditional Asset ManagementReal Estate InvestingMerchant BankingTotal net flows9Assets under management or supervision by asset class (3)5#Total Traditional Asset Management ,Total Assets Under Management or SupervisionShare of minority stake assets- The alternatives asset class includes a range of investment products such as funds of hedge funds, funds of private equity funds and funds of real estate funds.- The share of minority stake assets represents Investment Management's proportional share of assets managed by entities in which it owns a minority stake. Quarterly Financial Information Loans and Lending CommitmentsCorporate Funded Loans+Loans held for investment, net of allowanceLoans held for saleLoans held at fair value (1)< Total corporate funded loans  Corporate Lending CommitmentsLoans held for investmentLoans held at fair value (2)&Total corporate lending commitments .Corporate Loans and Lending Commitments (3) * Other Funded LoansLoans held at fair valueTotal other funded loansOther Lending CommitmentsTotal other lending commitments/Total Other Loans and Lending Commitments (4), :Institutional Securities Loans and Lending Commitments (5)6 Funded LoansTotal funded loansLending CommitmentsTotal lending commitments6Wealth Management Loans and Lending Commitments (6) 1 "Firm Loans and Lending CommitmentsFNote: - Refer to End Notes on pages 14-16 and Legal Notice on page 17.PThis page represents an addendum to the 3Q 2014 Financial Supplement, Appendix I7Earnings Per Share Calculation Under Two-Class Method %Three Months Ended September 30, 20145(unaudited, in millions, except for per share data) 6Allocation of net income from continuing operations (A)(B)(C)(D)(E)(F)(G)(D)+(E)(F)/(A)Weighted Average # of Shares % Allocation (2) FNet income from continuing operations applicable to Morgan Stanley (3)CDistributed Earnings (4)Undistributed Earnings (5)Total Earnings Allocated Basic EPS (8) Basic Common Shares(6)(Participating Restricted Stock Units (1)%(7)N/A9Allocation of gain (loss) from discontinued operations YGain (loss) from Discontinued Operations Applicable to Common Shareholders, after Tax (3)UUndistributed Earnings (5)=Allocation of net income applicable to common shareholders +Net income applicable to Morgan Stanley (3)'Distributed Earnings (4) Basic EPS (8) Note:Page 1:(1) sFrom time to time, Morgan Stanley may disclose certain  non-GAAP financial measures in the course of its earnings releases, earnings conference calls, financial presentations and otherwise. For these purposes,  GAAP refers to generally accepted accounting principles in the United States. The Securities and Exchange Commission (SEC) defines a  non-GAAP financial measure as a numerical measure of historical or future financial performance, financial positions, or cash flows that is subject to adjustments that effectively exclude, or include amounts from the most directly comparable measure calculated and presented in accordance with GAAP. Non-GAAP financial measures disclosed by Morgan Stanley are provided as additional information to investors in order to provide them with greater transparency about, or an alternative method for assessing, our financial condition and operating results. These measures are not in accordance with, or a substitute for GAAP, and may be different from or inconsistent with non-GAAP financial measures used by other companies. Whenever we refer to a non-GAAP financial measure, we will also generally present the most directly comparable financial measure calculated and presented in accordance with GAAP, along with a reconciliation of the differences between the non-GAAP financial measure we reference and such comparable GAAP financial measure.(2) The return on average common equity and the return on average common equity from continuing operations equal income applicable to Morgan Stanley in each case less preferred dividends as a percentage of average common equity. The return on average common equity and the return on average common equity from continuing operations excluding DVA are adjusted for DVA in each case in the numerator and denominator.(3) As an Advanced Approach banking organization, the Firm is required to compute risk-based capital ratios using both (i) standardized approaches for calculating credit risk weighted assets ( RWAs ) and market risk RWAs (the  Standardized Approach ); and (ii) an advanced internal ratings-based approach for calculating credit risk RWAs, an advanced measurement approach for calculating operational risk RWAs, and an advanced approach for market risk RWAs calculated under Basel III (the  Advanced Approach ). To implement a provision of the Dodd-Frank Act, U.S. Basel III subjects Advanced Approach banking organizations which have been approved by their regulators to exit the parallel run, such as the Firm, to a permanent  capital floor. In calendar year 2014, the capital floor results in the Firm's capital ratios being the lower of the capital ratios computed under the Advanced Approach or the U.S. Basel I-based rules as supplemented by the existing market risk rules known as  Basel 2.5 . For the current quarter, the Firm's capital floor is represented by the Advanced Approach. Beginning on January 1, 2015, the capital floor will result in the Firm's ratios being the lower of the capital ratios computed under the Advanced Approach or the Standardized Approach under Basel III. These computations are preliminary estimates as of October 17, 2014 (the date of this release) and could be subject to revision in Morgan Stanley s Quarterly Report on Form 10-Q for the quarter ended September 30, 2014. The methods for calculating the Firm s risk-based capital ratios wil< l change through 2022 as aspects of the U.S. Basel III final rule are phased in. For information on the calculation of regulatory capital and ratios for prior periods, please refer to Part 2, Item 7 "Regulatory Requirements" in Morgan Stanley's Annual Report on Form 10-K for the year ended December 31, 2013 and Part 1, Item 2 "Regulatory Requirements" in Morgan Stanley's Quarterly Report on Form 10-Q for the quarter ended June 30, 2014.(4) bBook value per common share equals common equity divided by period end common shares outstanding. (5) tTangible book value per common share equals tangible common equity divided by period end common shares outstanding. Page 2:(1)On June 28, 2013, the Firm completed the purchase of the remaining 35% interest in the Morgan Stanley Smith Barney Joint Venture from Citi, increasing the Firm's interest from 65% to 100%.(2)Preferred stock dividend / other includes allocation of earnings to Participating Restricted Stock Units (RSUs). For the nine months ended September 30, 2013, the Firm recorded a negative adjustment of approximately $151 million related to the purchase of the remaining interest in the Morgan Stanley Smith Barney Joint Venture. This adjustment negatively impacted the calculation of basic and fully diluted earnings per share.(3)Pre-tax profit margin percentages represent income from continuing operations before income taxes as a percentage of net revenues.Page 4:9Reflects the regional view of the Firm's consolidated net revenues, on a managed basis. Further discussion regarding the geographic methodology for net revenues is disclosed in Note 21 to the consolidated financial statements included in the Firm's Annual Report on Form 10-K for the year ended December 31, 2013.U.S. Bank refers to the Firm s U.S. bank operating subsidiaries Morgan Stanley Bank, N.A. and Morgan Stanley Private Bank, National Association.(4)The global liquidity reserve, whichis held within the bank and non-bank operating subsidiaries,is comprised of highly liquid and diversified cash and cash equivalents and unencumbered securities. Eligible unencumbered securities include U.S. government securities, U.S. agency securities, U.S. agency mortgage-backed securities, non-U.S. government securities and other highly liquid investment grade securities.(5)eThe Firm's goodwill and intangible balances are net of allowable mortgage servicing rights deduction.Tangible common equity equals common equity less goodwill and intangible assets net of allowable mortgage servicing rights deduction. Beginning in the first quarter of 2014, Tier 1 leverage ratio equals Tier 1 capital divided by adjusted average total assets (which reflects adjustments for disallowed goodwill, transitional intangible assets, certain deferred tax assets, certain financial equity investments, and other adjustments). For more information on the calculation of the Tier 1 leverage ratio for prior periods, please refer to Part 1, Item 2 "Regulatory Requirements" in Morgan Stanley's Quarterly Report on Form 10-Q for the quarter ended June 30, 2014. Page 5:The Firm s capital estimation and attribution to the business segments are based on the Required Capital framework, an internal capital adequacy measure which considers risk, leverage, potential losses from extreme stress events, and diversification under a going concern capital concept at a point in time. The framework also takes into consideration regulatory capital requirements as well as capital required for organic growth, acquisitions and other business needs. For further discussion of the framework, refer to Part 1, Item 2 "Regulatory Requirements" in Morgan Stanley's Quarterly Report on Form 10-Q for the quarter ended June 30, 2014.Page 6:Net income applicable to noncontrolling interests primarily represents the allocation to Mitsubishi UFJ Financial Group, Inc. of MorganStanley MUFG Securities Co., Ltd, which the Firm consolidates.Page 7:{For the periods noted below, sales and trading net revenues included positive (negative) revenue related to DVA as follows:jSeptember 30, 2014: Total QTD: $215 million; Fixed Income & Commodities: $132 million; Equity: $83 millioncJune 30, 2014: Total QTD: $87 million; Fixed Income & Commodities: $50 million; Equity: $37 millionpSeptember 30, 2013: Total QTD: $(171) million; Fixed Income & Commodities: $(141) million; Equity: $(30) millionkSeptember 30, 2014: Total YTD: $428 million; Fixed Income & Commodities: $258 million; Equity: $170 millionmSeptember 30, 2013: Total YTD: $(313) million; Fixed Income & Commodities: $(318) million; Equity: $5 millionpInstitutional Securities U.S. Bank refers to the Firm s U.S. bank operating subsidiary Morgan Stanley Bank, N.A.&In addition to primary corporate lending activity, the Institutional Securities business segment engages in other lending activity. These loans include corporate loans purchased in the secondary market, commercial mortgage loans, asset-backed loans and financing extended to equities customers.VaR represents the loss amount that one would not expect to exceed, on average, more than five times every one hundred trading days in the Firm's trading positions if the portfolio were held constant for a one-day period. Further discussion of the calculation of VaR and the limitations of the Firm's VaR methodology, is disclosed in Part II, Item 7A "Quantitative and Qualitative Disclosures about Market Risk" included in the Firm's 2013 Form 10-K.Page 8:lOn June 28, 2013, the Firm completed the purchase of the remaining 35% interest in the Morgan Stanley Smith Barney Joint Venture from Citi, increasing the Firm s interest from 65% to 100%. For the nine months ended September 30, 2013, Citi s results related to its 35% interest were reported in net income (loss) applicable to redeemable noncontrolling interests.Page 9:sAnnualized revenue per representative is defined as annualized revenue divided by average representative headcount.Fee-based client account assets represent the amount of assets in client accounts where the basis of payment for services is a fee calculated on those assets.oClient assets per representative represents total client assets divided by period end representative headcount.Wealth Management U.S. Bank refers to the Firm s U.S. bank operating subsidiaries Morgan Stanley Bank, N.A. and Morgan Stanley Private Bank, National Association.Page 10:The quarters ended September 30, 2014, June 30, 2014 and September 30, 2013 include investment gains (losses) for certain funds included in the Firm's consolidated financial statements. The limited partnership interests in these gains were reported in net income (loss) app<licable to noncontrolling interests. Beginning in the quarter ended June 30, 2014, net revenues reflect the deconsolidation of certain legal entities associated with a real estate fund sponsored by the Firm. Page 11:0Real Estate Investing revenues include gains or losses related to investments held by certain consolidated real estate funds. These gains or losses are offset in net income (loss) applicable to noncontrolling interest. The investment gains (losses) for the quarters ended September 30, 2014, June 30, 2014 and September 30, 2013 are $17 million, $6 million and $67 million, respectively. Beginning in the quarter ended June 30, 2014, net revenues reflect the deconsolidation of certain legal entities associated with a real estate fund sponsored by the Firm.~Net Flows by region [inflow / (outflow)] for the quarters ended September 30, 2014, June 30, 2014 and September 30, 2013 were::North America: $2.0 billion, $3.1 billion and $3.8 billion<International: $5.6 billion, $4.5 billion and $(2.0) billionAssets under management or supervision by region for the quarters ended September 30, 2014, June 30, 2014 and September 30, 2013 were::North America: $243 billion, $243 billion and $230 billion:International: $155 billion, $153 billion and $130 billionPage 12:For the quarters ended September 30, 2014, June 30, 2014, and September 30, 2013 the percentage of Institutional Securities corporate funded loans held at fair value by credit rating was as follows:&- % investment grade: 11%, 35% and 53%*- % non-investment grade: 89%, 65% and 47%For the quarters ended September 30, 2014, June 30, 2014, and September 30, 2013 the percentage of Institutional Securities corporate lending commitments held at fair value by credit rating was as follows:&- % investment grade: 67%, 71% and 76%*- % non-investment grade: 33%, 29% and 24%On September 30, 2014, June 30, 2014, and September 30, 2013, the "event-driven" portfolio of pipeline commitments and closed deals to non-investment grade borrowers were $10.7 billion, $12.2 billion and $7.6 billion, respectively.GIn addition to primary corporate lending activity, the Institutional Securities business segment engages in other lending activity. These loans include corporate loans purchased in the secondary market, commercial and residential mortgage loans, asset-backed loans and financing extended to equities and commodities customers.WFor the quarters ended September 30, 2014, June 30, 2014, and September 30, 2013, Institutional Securities recorded a provision for credit losses (release) of $1.2 million, $13.1 million and $40.5 million, respectively, related to funded loans and $(15.7) million, $11.1 million and $12.0 million related to unfunded commitments, respectively._For the quarters ended September 30, 2014, June 30, 2014, and September 30, 2013, Wealth Management recorded a provision for credit losses of $1.0 million, $1.2 million and $0.6 million, respectively, related to funded loans and there was no material provision recorded related to the unfunded commitments for each of the quarterly periods presented. Page 13:Unvested share-based payment awards that contain non-forfeitable rights to dividends or dividend equivalents (whether paid or unpaid) are participating securities and are included in the computation of EPS pursuant to the two-class method. Restricted Stock Units ("RSUs") that pay dividend equivalents subject to vesting are not deemed participating securities and are included in diluted shares outstanding (if dilutive) under the treasury stock method.The percentage of weighted basic common shares and participating RSUs to the total weighted average of basic common shares and participating RSUs.Represents net income from continuing operations, gain (loss) from discontinued operations (after-tax), and net income applicable to Morgan Stanley for the quarter ended September 30, 2014 prior to allocations to participating RSUs.Distributed earnings represent the dividends paid for the quarter ended September 30, 2014. The amount of dividends paid is based upon the number of common shares and participating RSUs outstanding as of the dividend record date. 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