#### § 50.105 Calculation of required stable funding amount.

(a) *Required stable funding amount.* A national bank's or Federal savings association's RSF amount equals the national bank's or Federal savings association's required stable funding adjustment percentage as determined under paragraph (b) of this section multiplied by the sum of:

(1) The carrying values of a national bank's or Federal savings association's assets (other than amounts included in the calculation of the derivatives RSF amount pursuant to § 50.107(b)) and the undrawn amounts of a national bank's or Federal savings association's credit and liquidity facilities, in each case multiplied by the RSF factors applicable in § 50.106; and

(2) The national bank's or Federal savings association's derivatives RSF amount calculated pursuant to § 50.107(b).

(b) *Required stable funding adjustment percentage.* A national bank's or Federal savings association's required stable funding adjustment percentage is determined pursuant to table 1 to this paragraph (b).

| GSIB depository institution that is a national bank or Federal savings association | 100 |
| --- | --- |
| Category II national bank or Federal savings association | 100 |
| Category III national bank or Federal savings association that: | 100 |
| (1) Is a consolidated subsidiary of (a) a covered depository institution holding company or U.S. intermediate holding company identified as a Category III banking organization pursuant to 12 CFR 252.5 or 12 CFR 238.10 or (b) a depository institution that meets the criteria set forth in paragraphs (2)(ii)(A) and (B) of the definition of Category III national bank or Federal savings association in this part, in each case with $75 billion or more in average weighted short-term wholesale funding; or | |
| (2) Has $75 billion or more in average weighted short-term wholesale funding and is not a consolidated subsidiary of (a) a covered depository institution holding company or U.S. intermediate holding company identified as a Category III banking organization pursuant to 12 CFR 252.5 or 12 CFR 238.10 or (b) a depository institution that meets the criteria set forth in paragraphs (2)(ii)(A) and (B) of the definition of Category III national bank or Federal savings association in this part. | |
| Category III national bank or Federal savings association that: | 85 |
| (1) Is a consolidated subsidiary of (a) a covered depository institution holding company or U.S. intermediate holding company identified as a Category III banking organization pursuant to 12 CFR 252.5 or 12 CFR 238.10 or (b) a depository institution that meets the criteria set forth in paragraphs (2)(ii)(A) and (B) of the definition of Category III national bank or Federal savings association in this part, in each case with less than $75 billion in average weighted short-term wholesale funding; or | |
| (2) Has less than $75 billion in average weighted short-term wholesale funding and is not a consolidated subsidiary of (a) a covered depository institution holding company or U.S. intermediate holding company identified as a Category III banking organization pursuant to 12 CFR 252.5 or 12 CFR 238.10 or (b) a depository institution that meets the criteria set forth in paragraphs (2)(ii)(A) and (B) of the definition of Category III national bank or Federal savings association in this part. | |

Table 1 to Paragraph (b)—Required Stable Funding Adjustment Percentages

(c) *Transition into a different required stable funding adjustment percentage.*

(1) A national bank or Federal savings association whose required stable funding adjustment percentage increases from a lower to a higher required stable funding adjustment percentage may continue to use its previous lower required stable funding adjustment percentage until the first day of the third calendar quarter after the required stable funding adjustment percentage increases.

(2) A national bank or Federal savings association whose required stable funding adjustment percentage decreases from a higher to a lower required stable funding adjustment percentage must continue to use its previous higher required stable funding adjustment percentage until the first day of the first calendar quarter after the required stable funding adjustment percentage decreases.

[86 FR 9202, 9209, Feb. 11, 2021, as amended at 86 FR 9209, Feb. 11, 2021]