** Commonwealth Bank of Australia CBA.AX slips 1.45% to A$151.04, set for its weakest session in nearly two weeks, while the benchmark ASX200 .AXJO falls 0.6%

** Morgan Stanley trims PT to A$131 from A$143.20, saying operating and competitive changes in retail and business banking could hinder outperformance in the coming 1 to 3 years

** Brokerage believes the de‑rating that started in 2H25 will persist, potentially deepened by RBA rate hikes, and doubts that the country's top lender will alter its cost or capital management approach this year

** Sees investors have better options than CBA now, adding the ‘flow‑of‑funds’ has largely run its course - brokerage

** CBA cllimbed 4.8% in 2025, while AXJO's gains stood at 6.8%

(Reporting by Kumar Tanishk in Bengaluru)

((Tanishk.Kumar@thomsonreuters.com; X: @thatstanishk http://www.x.com/thatstanishk;))