Financing
Net change in deposits
Morgan Stanley Net change in deposits decreased by 36.8% to $10.03B in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 19.3%, from $12.44B to $10.03B. Over 3 years (FY 2021 to FY 2025), Net change in deposits shows relatively stable performance with a 2.0% CAGR. This decline may warrant attention — for this metric, higher values are generally preferred.
Analysis
StatementCash Flow Statement
SectionFinancing
CategoryLiquidity
SignalHigher is better
VolatilityModerate
First reportedQ1 2013
Last reportedQ4 2025
How to read this metric
An increase indicates strong funding growth and customer retention, while a decrease may signal liquidity pressure or competitive outflows.
Detailed definition
This metric measures the net increase or decrease in customer deposits held by the institution. Deposits serve as a crit...
Peer comparison
Essential for banks and credit card issuers with banking charters.
Metric ID:
cf_net_change_in_depositsHistorical Data
18 periods
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | -$2.75B | $8.70B | $18.55B | $5.83B | -$13.64B | -$9.01B | $18.48B | -$9.08B | $950.00M | -$3.05B | $534.00M | -$3.48B | $14.46B | $12.44B | $5.52B | $7.71B | $15.88B | $10.03B |
| QoQ Change | — | +416.7% | +113.1% | -68.5% | -333.8% | +34.0% | +305.1% | -149.2% | +110.5% | -421.5% | +117.5% | -750.7% | +516.1% | -14.0% | -55.6% | +39.7% | +105.9% | -36.8% |
| YoY Change | — | — | — | — | -396.4% | -203.5% | -0.4% | -255.7% | +107.0% | +66.1% | +105.9% | -465.8% | +573.5% | — | +933.7% | +321.9% | +9.8% | -19.3% |
Range-$13.64B – $18.55B
CAGR+35.6%
Avg YoY Growth+59.7%
Median YoY Growth+9.8%
Net change in deposits at Other Companies
Frequently Asked Questions
- What is Morgan Stanley's net change in deposits?
- Morgan Stanley (MS) reported net change in deposits of $10.03B in Q4 2025.
- How has Morgan Stanley's net change in deposits changed year-over-year?
- Morgan Stanley's net change in deposits decreased by 19.3% year-over-year, from $12.44B to $10.03B.
- What is the long-term trend for Morgan Stanley's net change in deposits?
- Over 3 years (2021 to 2025), Morgan Stanley's net change in deposits has grown at a 2.0% compound annual growth rate (CAGR), from $36.90B to $39.14B.
- What does net change in deposits mean?
- The net change in the amount of money customers have deposited with the bank.