# NSFR Calculator – Net Stable Funding Ratio

URL: https://speedycalculator.com/calculators/finance/nsfr/
Last updated: 2026-10-25

> The NSFR calculator works out a bank's net stable funding ratio under Basel III – available stable funding divided by required stable funding – and checks the 100% minimum.

## Inputs

- Regulatory capital
- Stable retail deposits
- Less stable retail deposits
- Wholesale funding < 1 year
- Level 1 liquid assets
- Loans to customers (> 1 year)
- Other assets

## Results

- Available stable funding
- Required stable funding
- Net stable funding ratio
- Basel III minimum

## Formula

```
ASF = Σ funding × ASF factor (capital 100%, stable retail deposits 95%, less stable 90%, wholesale funding 50%)
RSF = Σ assets × RSF factor
NSFR = ASF ÷ RSF × 100 (≥ 100%)
```

## Explanation

The NSFR complements the LCR: it looks at the one-year horizon to make sure long-term assets are funded with stable sources, limiting reliance on short-term wholesale funding.

### How to use the NSFR Calculator – Net Stable Funding Ratio

- **Regulatory capital**
- **Stable retail deposits**
- **Less stable retail deposits**
- **Wholesale funding < 1 year**
- **Level 1 liquid assets**
- **Loans to customers (> 1 year)**
- **Other assets**

Results update as you type, and every field accepts the units shown in its menu.

### How it works

Enter the available stable funding (after factors) and required stable funding, or the main components.

### Tips

- Use real (inflation-adjusted) figures to compare across years.
- Check whether data are seasonally adjusted.
- Use the same currency and base year throughout.
- Economic models simplify reality – treat results as illustrations, not forecasts.

### Common mistakes to avoid

- Mixing nominal and real values.
- Comparing percentage changes with percentage-point changes.
- Treating correlations as causes.

### Inputs explained

FieldWhat to enterRegulatory capitalAmount in your currencyStable retail depositsAmount in your currencyLess stable retail depositsAmount in your currencyWholesale funding < 1 yearAmount in your currencyLevel 1 liquid assetsAmount in your currencyLoans to customers (> 1 year)Amount in your currencyOther assetsAmount in your currency

### What each result means

- **Available stable funding** = [Regulatory capital] + 0.95×[Stable retail deposits] + 0.9×[Less stable retail deposits] + 0.5×[Wholesale funding < 1 year]
- **Required stable funding** = 0×[Level 1 liquid assets] + 0.85×[Loans to customers (> 1 year)] + 1×[Other assets]
- **Net stable funding ratio** = [Available stable funding]÷[Required stable funding]×100

### Example values

How the main result changes when **Regulatory capital** changes and everything else stays at the example values above:

Regulatory capitalNet stable funding ratio (%)60125.2390128.97120132.71150136.45180140.19240147.66

## Worked example

Inputs — Regulatory capital: $120; Stable retail deposits: $500; Less stable retail deposits: $300; Wholesale funding < 1 year: $400; Level 1 liquid assets: $200; Loans to customers (> 1 year): $650; Other assets: $250.

Results — Available stable funding = $1,065.00; Required stable funding = $802.50; **Net stable funding ratio = 132.71 %**; Basel III minimum = Meets the 100% minimum.

## FAQ

**What is the NSFR?**
Available stable funding ÷ required stable funding over one year.

**What is the minimum NSFR?**
100%.

**How does NSFR differ from LCR?**
LCR covers 30 days of stress; NSFR covers one year of structural funding.

**What formula does the NSFR Calculator – Net Stable Funding Ratio use?**
ASF = Σ funding × ASF factor (capital 100%, stable retail deposits 95%, less stable 90%, wholesale funding 50%).


## Sources

- [BIS – Basel III: The Net Stable Funding Ratio](https://www.bis.org/bcbs/publ/d295.htm)