NSFR Calculator (Net Stable Funding Ratio)
Calculate the Net Stable Funding Ratio (NSFR), the Basel III bank liquidity metric comparing available stable funding to required stable funding.
What the NSFR measures
The Net Stable Funding Ratio (NSFR) is a Basel III bank liquidity requirement that compares the amount of stable funding a bank has available to the amount it needs to support its assets and activities over a one-year horizon. It is designed to reduce the risk of banks relying too heavily on short-term funding for longer-term assets.
The formula
NSFR is calculated as Available Stable Funding (ASF) ÷ Required Stable Funding (RSF) × 100%. ASF reflects the portion of a bank’s capital and liabilities expected to remain reliable over a year (weighted by stability), while RSF reflects the funding needed to support assets and off-balance-sheet exposures (weighted by liquidity risk). Basel III generally requires banks to maintain an NSFR of at least 100%.
This calculator uses simplified inputs for the already-weighted ASF and RSF totals; a full regulatory NSFR calculation applies specific weighting factors to each asset and liability category. Use this tool for general educational and planning purposes, not regulatory compliance reporting.