Sept. 10 (Bloomberg) -- Morgan Stanley, which is set to receive another $57 billion of deposits from Citigroup Inc. as part of its Smith Barney purchase, plans to accelerate lending to put those funds to use. Morgan Stanley targets a loan-to-deposit ratio of about 70% in 2015, compared with about 55% last year, Chief Financial Officer Ruth Porat said today at an investor conference in New York organized by Barclays. Interest income has the highest incremental profit margin of any revenue in wealth management, Porat, 55, said. In addition to mortgages and securities lending to individual clients, the bank will boost commercial real estate, corporate and warehouse lending, according to Morgan Stanley's presentation. The New York-based firm said it expects each of those businesses to make a return on equity of at least 15%. "The fact that we don't have bricks and mortar, and the fact that our client relationships are already in place" make the returns of the lending business "compelling," Porat said.