Regulatory Alerts2026-01-29
Liquidity Adequacy Requirements Chapter 3 – Net Stable Funding Ratio
OSFI requires Canadian banks, bank holding companies, and trust and loan companies to maintain a Net Stable Funding Ratio of at least 100 percent on an ongoing basis. The guideline establishes detailed calculation methodologies for available and required stable funding, assigning specific factors to capital, liabilities, assets, and off-balance sheet exposures based on maturity, counterparty type, and liquidity characteristics. By enforcing these calibrated metrics, OSFI aims to limit overreliance on short-term wholesale funding and promote a resilient institutional funding structure.
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