12 C.F.R. § 249.105 – Calculation of required stable funding amount.

(a) Required stable funding amount. A Board-regulated institution's RSF amount equals the Board-regulated institution's required stable funding adjustment percentage as determined under paragraph (b) of this section multiplied by the sum of:
1. (1) The carrying values of a Board-regulated institution's assets (other than amounts included in the calculation of the derivatives RSF amount pursuant to § 249.107(b)) and the undrawn amounts of a Board-regulated institution's credit and liquidity facilities, in each case multiplied by the RSF factors applicable in § 249.106; and
2. (2) The Board-regulated institution's derivatives RSF amount calculated pursuant to § 249.107(b).

(b) Required stable funding adjustment percentage. A Board-regulated institution's required stable funding adjustment percentage is determined pursuant to table 1 to this paragraph (b).

Table 1 to Paragraph (b)—Required Stable Funding Adjustment Percentages
Required stable funding adjustment percentage	Percent
Global systemically important BHC or GSIB depository institution	100
Category II Board-regulated institution	100
Category III Board-regulated institution with $75 billion or more in average weighted short-term wholesale funding and Category III Board-regulated institution that is a consolidated subsidiary of such a Board-regulated institution	100
Category III Board-regulated institution with less than $75 billion in average weighted short-term wholesale funding and any Category III Board-regulated institution that is a consolidated subsidiary of such a Category III Board-regulated institution	85
Category IV Board-regulated institution with $50 billion or more in average weighted short-term wholesale funding	70

(c) Transition into a different required stable funding adjustment percentage.
1. (1) A Board-regulated institution 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. (2) A Board-regulated institution 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.