It is defined as the ratio of sustainable funding (including equity capital and long-term liabilities) over the required stable funding. The minimum ratio is 100%. The NSFR rule is scheduled to enter into force in 2020. 6 This number is based on data from the Bundesbank’s monthly bank balance sheet statistics as of January  2018 (latest data: November 2017).
It was calculated as the amount of loans by savings and cooperative banks to domestic non-financial firms and households relative to the total amount of loans by all monetary financial institutions (MFIs) to the same sector.