Commonwealth Bank says it has achieved a net stable funding ratio in excess of 100 per cent, more than a year ahead of the implementation of the new regulatory requirement.From the start of 2018 banks will have to demonstrate that long-term assets are financed with at least a minimum of stable funding. Stable funding is the portion of an ADI's capital and liabilities expected to be a reliable source of funds over a one-year time horizon.NSFR will force banks to rely more on deposits (especially term deposits) as a funding source and less on short-term wholesale funding.The approach of NSFR is one reason why commentators are saying there will be an intensification of competition for deposits.However, CBA chief financial officer David Craig said customer deposits increased by A$40 billion to $517.9 billion over the year to June, increasing the proportion of funding sourced from customer deposits from 65 per cent to 66 per cent.The proportion of wholesale funding sourced from short-term wholesale funding fell from 43 per cent to 42 per cent.Craig said the average term of the bank's long-term funding had lengthened from 3.8 years at the end of June last year to 4.1 years at the end of the 2015/16 financial year.