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Net Stable Funding Ratio (NSFR) Calculator

Finance
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Calculates the Net Stable Funding Ratio (NSFR), a regulatory requirement for banks to ensure they have sufficient stable funding to support their assets and off-balance sheet activities over a one-year horizon.

How To Use

How to use this calculator

Start with your values, or try a preset.

Step 1

Enter Available Stable Funding (ASF) - Amount of stable funding (e.g., equity, long-term debt) and Required Stable Funding (RSF) - Amount of funding required to support assets and off-balance sheet exposures in the units shown.

Step 2

Read Net Stable Funding Ratio (NSFR), NSFR Percentage, and NSFR Status in the results panel. Results update as you change the inputs.

Step 3

Choose a preset to load an example, then adjust the values for your situation.

Worked Examples

Example calculations

See the inputs and their calculated results.

Scenario 1: Compliant

Available Stable Funding (ASF) - Amount of stable funding (e.g., equity, long-term debt): 120,000,000 USD; Required Stable Funding (RSF) - Amount of funding required to support assets and off-balance sheet exposures: 100,000,000 USD

Net Stable Funding Ratio (NSFR): 1.2; NSFR Percentage: 120 %; NSFR Status: Compliant

Scenario 2: Non-Compliant

Available Stable Funding (ASF) - Amount of stable funding (e.g., equity, long-term debt): 75,000,000 USD; Required Stable Funding (RSF) - Amount of funding required to support assets and off-balance sheet exposures: 100,000,000 USD

Net Stable Funding Ratio (NSFR): 0.75; NSFR Percentage: 75 %; NSFR Status: Non-Compliant

Scenario 3: Borderline Compliance

Available Stable Funding (ASF) - Amount of stable funding (e.g., equity, long-term debt): 100,000,000 USD; Required Stable Funding (RSF) - Amount of funding required to support assets and off-balance sheet exposures: 100,000,000 USD

Net Stable Funding Ratio (NSFR): 1; NSFR Percentage: 100 %; NSFR Status: Compliant

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Important

Treat this output as a planning estimate and confirm rates, tax rules, and contract terms before making financial decisions.