Morgan Stanley 2015 Annual Report Download - page 195

MORGAN STANLEY
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS—(Continued)
Allowance for Credit Losses on Lending Activities.
Corporate Consumer
Residential
Real Estate
Wholesale
Real Estate Total
(dollars in millions)
Allowance for Loan Losses.
Balance at December 31, 2014 ...................... $ 118 $ 2 $ 8 $ 21 $ 149
Gross charge-offs ................................ — — (1) — (1)
Gross recoveries ................................. 1——— 1
Net recoveries/(charge-offs) ...................... 1 — (1) — —
Provision for loan losses ........................... 58 3 10 16 87
Other(1) ....................................... (11) — — — (11)
Balance at December 31, 2015 ...................... $ 166 $ 5 $ 17 $ 37 $ 225
Allowance for Loan Losses by Impairment Methodology.
Inherent ........................................ $ 156 $ 5 $ 17 $ 37 $ 215
Specific ........................................ 10———10
Total allowance for loan losses at December 31,
2015 ...................................... $ 166 $ 5 $ 17 $ 37 $ 225
Loans Evaluated by Impairment Methodology(2).
Inherent ........................................ $ 23,426 $ 21,528 $ 20,846 $ 6,839 $ 72,639
Specific ........................................ 128 — 17 — 145
Total loans evaluated at December 31, 2015 ......... $ 23,554 $ 21,528 $ 20,863 $ 6,839 $ 72,784
Allowance for Lending Commitments.
Balance at December 31, 2014 ...................... $ 147 $ — $ — $ 2 $ 149
Provision for lending commitments .................. 33 1 — 2 36
Balance at December 31, 2015 ...................... $ 180 $ 1 $ — $ 4 $ 185
Allowance for Lending Commitments by Impairment
Methodology.
Inherent ........................................ $ 173 $ 1 $ — $ 4 $ 178
Specific ........................................ 7——— 7
Total allowance for lending commitments at
December 31, 2015 ........................... $ 180 $ 1 $ — $ 4 $ 185
Lending Commitments Evaluated by Impairment
Methodology(2).
Inherent ........................................ $ 63,873 $ 4,856 $ 312 $ 381 $ 69,422
Specific ........................................ 126———126
Total lending commitments evaluated at December 31,
2015 ...................................... $ 63,999 $ 4,856 $ 312 $ 381 $ 69,548
189