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
| Field | What to enter |
|---|---|
| Regulatory capital | Amount in your currency |
| Stable retail deposits | Amount in your currency |
| Less stable retail deposits | Amount in your currency |
| Wholesale funding < 1 year | Amount in your currency |
| Level 1 liquid assets | Amount in your currency |
| Loans to customers (> 1 year) | Amount in your currency |
| Other assets | Amount 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 capital | Net stable funding ratio (%) |
|---|---|
| 60 | 125.23 |
| 90 | 128.97 |
| 120 | 132.71 |
| 150 | 136.45 |
| 180 | 140.19 |
| 240 | 147.66 |
Formula
ASF = Σ funding × ASF factor (capital 100%, stable retail deposits 95%, less stable 90%, wholesale funding 50%)RSF = Σ assets × RSF factorNSFR = ASF ÷ RSF × 100 (≥ 100%)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.
Frequently asked questions
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%).