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Simplified Stable Funding Ratio — Four Funding Buckets

Calculate a four-bucket available-funding subtotal and divide it by an entered required-funding total.

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Calculator inputs

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How to use this calculator

  1. Enter the known values in the units shown. Results update as you type.
  2. Where results are editable, change one to solve backwards. Lock a value to hold it fixed.
  3. Use the worked example to check the method. Reset restores the starting fields.

Use the result with context

Results are estimates for planning and education. Confirm rates, taxes, fees, and legal requirements with the relevant institution or a qualified professional before making a financial decision.

Formula and method

Amounts of 100, 200, 100 and 200 in the 100%, 95%, 90% and 50% buckets produce a weighted subtotal of 480. Against required funding of 400, the ratio is 120%.

Weighted funding = C + 0.95S + 0.90L + 0.50F; ratio = weighted available funding / required funding

Worked example

Enter these known values and leave the other values blank.

Eligible capital in the 100% bucket
100 USD
Qualifying stable deposits — 95% weight
200 USD
Qualifying less-stable deposits — 90% weight
100 USD
Qualifying funding in the 50% bucket
200 USD
Precomputed required stable funding
400 USD
Weighted available funding subtotal
480 USD
Simplified funding ratio
120 %

Assumptions and limitations

  • Only enter balances already determined to qualify for the displayed weighting bucket. Classification depends on funding type, counterparty, residual maturity and applicable rules.
  • This model covers four funding buckets. It omits other balance-sheet and off-balance-sheet categories and does not perform a complete regulatory NSFR assessment.
  • Required stable funding is a positive, already weighted total supplied by the user. Do not substitute total unweighted assets.
  • Amounts are nonnegative and use a common valuation currency and reporting basis. At 100%, the entered weighted numerator equals the entered denominator. That equality alone does not establish compliance.

Common questions

Does all corporate funding get a 50% weight?

No. The field is only for funding that qualifies for the 50% category under the relevant rules. Counterparty and maturity conditions matter.

Can I use this to certify a bank’s NSFR?

No. It is a simplified arithmetic subtotal and ratio. A complete assessment requires all applicable categories, classifications and adjustments.

References

Bookify requires positive required funding and a nonnegative ratio, and distinguishes the exact 100% boundary.

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