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      "text": "As of 31 December 2021, our NSFR was unchanged at 119%.",
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      "text": "The NSFR has two components: available stable funding (ASF) and required stable funding (RSF). ASF is the portion of capital and liabilities expected to be available over the period of one year. RSF is a measure of the stable funding requirement of an asset based on its maturity, encumbrance and other characteristics, as well as the potential for contingent calls on funding liquidity from off-balance sheet exposures. The BCBS NSFR regulatory framework requires a ratio of at least 100%.",
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      "text": "The net stable funding ratio (NSFR) framework is intended to limit overreliance on short-term wholesale funding, to encourage a better assessment of funding risk across all on- and off-balance sheet items and to promote funding stability.",
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      "text": "The NSFR regulation was finalized in the fourth quarter of 2020 with the release of the revised FINMA Circular 2015/2 “Liquidity risks – banks” and became effective on 1 July 2021. As of 31 December 2021, our NSFR was unchanged at 119%. This reflected USD 15 billion higher available stable funding, mainly driven by an increase in debt issued designated at fair value and an increase in required stable funding of USD 15 billion, mainly reflecting higher loans and advances to customers.",
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