1、M BluePaperOliver Wyman is a global leader in management consulting.For more information,visit .Oliver Wyman is not authorized or regulated by the PRA or the FCA and is not providing investment advice.Oliver Wyman authors are not research analysts and are neither FCAnor FINRA registered.Oliver Wyman

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5、FINRA,may not be associated persons of the member and may not be subject to FINRA restrictions on communications with a subject company,public appearances and trading securities held by a research analyst account.Asset&Wealth ManagementThe AI Tipping Point Gen AI will transform the way the industry

6、operates,but it is just one part of an integrated strategic approach to drive growth and build resiliency.M BluePaper2MORGAN STANLEYBetsy L.Graseck,CFA 1EQUITY ANALYST+1 212 761 8473Betsy.GMichael J.Cyprys,CFA,CPA 1EQUITY ANALYST+1 212 761 7619Michael.CBruce Hamilton 2EQUITY ANALYST+44 20 7425 7597B