Loan to stable funding ratio

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Bank prudential management

(L/SF ratio).

A refined measure of a bank's funding profile, the L/SF ratio is a refinement of the loan to stable deposit (L/SD) ratio.

The L/SF ratio divides the bank's loans by its total stable funding.


Stable funding includes:

  • Stable deposits;
  • Longer term debt in issue; and
  • Capital.


A further refinement of the L/SF ratio is the regulatory Net stable funding ratio (NSFR).


See also