Net Stable Funding Ratio (NSFR)

Calculate NSFR for banking analysis.

Net Stable Funding Ratio (NSFR) Calculator

Net Stable Funding Ratio (NSFR) Calculator

Calculate NSFR for banking regulatory compliance and stability analysis

NSFR Components

Available Stable Funding (ASF)

Required Stable Funding (RSF)

NSFR Results

Available Stable Funding

Required Stable Funding

NSFR Ratio

Compliant Non-Compliant

The bank meets the minimum NSFR requirement of 100%. The bank does not meet the minimum NSFR requirement of 100%.

Detailed Breakdown

Available Stable Funding (ASF)

Tier 1 Capital (100%)
Tier 2 Capital (100%)
Retail Deposits (90%)
Stable Deposits (100%)
Wholesale Funding (100%)
Other Liabilities (50%)
Total ASF

Required Stable Funding (RSF)

Cash & Reserves (0%)
Gov Securities (5%)
Corporate Bonds (20%)
Mortgages (65%)
Retail/SME Loans (85%)
Other Assets (100%)
Total RSF

Understanding NSFR

What is NSFR?

The Net Stable Funding Ratio (NSFR) is a Basel III liquidity standard that requires banks to maintain stable funding relative to the composition of their assets and off-balance sheet activities over a one-year horizon.

NSFR Formula

NSFR = Available Stable Funding (ASF) / Required Stable Funding (RSF)

Regulatory Requirement

Banks must maintain an NSFR of at least 100% at all times. This ensures that the bank has sufficient stable funding to support its activities during periods of stress.

ASF Factors

  • • Tier 1 & 2 Capital: 100%
  • • Retail deposits < 1 year: 90%
  • • Stable deposits ≥ 1 year: 100%
  • • Wholesale funding ≥ 1 year: 100%
  • • Other liabilities < 1 year: 50%

RSF Factors

  • • Cash & central bank reserves: 0%
  • • Government securities: 5%
  • • High-quality corporate bonds: 20%
  • • Residential mortgages: 65%
  • • Retail/SME loans: 85%
  • • Other assets ≥ 1 year: 100%
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