NSFR from Components
Enter each funding item (ASF) and each asset item (RSF) in IDR million — the calculator multiplies by the standard factors, then computes NSFR.
ASF items — available stable funding
Tier 1 + Tier 2 (excluding Tier 2 < 1 yr) × 100%.
Capital instruments & loans × 100%.
Retail/SME "stable" < 1 yr × 95%.
Retail/SME "less stable" < 1 yr × 90%.
Non-financial corporates, operational deposits × 50%.
No maturity × 0%.
RSF items — required stable funding
× 0%.
Unencumbered × 5%.
Unencumbered × 15%.
Non-financial-institution × 50%.
Risk weight > 35% × 85%.
Encumbered ≥ 1 yr × 100%.
Breakdown & Standard Factor Tables
The breakdown is computed from Mode 1 inputs (click the button below after changing inputs). The factor tables below summarize the Basel III standard factors as of October 2026.
Standard ASF factors (as of October 2026)
| Factor | ASF category |
|---|---|
| 100% | Regulatory capital (Tier 1 + Tier 2, excluding Tier 2 < 1 yr); other liabilities & capital instruments with residual maturity ≥ 1 yr |
| 95% | Retail/SME "stable" deposits < 1 yr |
| 90% | Retail/SME "less stable" deposits < 1 yr |
| 50% | Funding < 1 yr from non-financial corporates; operational deposits; sovereign/PSE/development banks < 1 yr; other funding 6 mo–<1 yr (including from central banks & financial institutions) |
| 0% | Other liabilities & equity outside the categories above (including funding < 6 mo from central banks/financial institutions); net derivative liabilities |
Standard RSF factors (as of October 2026)
| Factor | RSF category |
|---|---|
| 0% | Cash, banknotes, central bank reserves |
| 5% | Unencumbered Level 1 HQLA |
| 10% | Loans to financial institutions < 6 mo secured by Level 1 assets and re-hypothecatable |
| 15% | Unencumbered Level 2A HQLA; other loans to financial institutions < 6 mo |
| 50% | Unencumbered Level 2B HQLA; other loans & assets < 1 yr |
| 65% | Residential mortgages & other loans ≥ 1 yr with risk weight ≤ 35% |
| 85% | Performing loans ≥ 1 yr with risk weight > 35%; derivative initial margin; non-HQLA securities; equities; commodities |
| 100% | Encumbered assets ≥ 1 yr; other assets outside the categories above |
Factor sources: Basel Committee on Banking Supervision — Basel III: the net stable funding ratio (final standard, October 2014) and the consolidated Basel NSF30 framework (updated 05 Jul 2024). Factors verified against the primary documents on 9 October 2026. Note: the 100% factor also applies to 5%–20% of derivative liabilities (national discretion).
Two-Bank Comparison
Enter each bank's total ASF and total RSF (IDR million) — compare NSFR, the gap, and status against the 100% threshold.
NSFR Target Solver
From an NSFR target: compute the additional ASF needed at a given RSF, or the maximum RSF at a given ASF.
Use a comma for decimals, e.g. 102,5.
See also
Scope note: NSFR ≠ LCR. NSFR measures structural funding resilience over a one-year horizon, while LCR (liquidity coverage ratio) measures 30-day short-term liquidity resilience. Both are complementary Basel III liquidity pillars.
- DSCR Calculator — debt service coverage ratio for analyzing the ability to pay obligations from operating income.
Frequently Asked Questions
What is the NSFR (net stable funding ratio)?
The NSFR (net stable funding ratio) is a Basel III structural liquidity ratio comparing available stable funding (ASF) with required stable funding (RSF): NSFR = ASF divided by RSF. Its purpose is to ensure banks fund assets and off-balance-sheet activities with sufficiently stable funding sources over a one-year horizon. The requirement: NSFR = ASF / RSF >= 100%. The 100% minimum means banks are expected to keep NSFR at no less than 100%. The final standard was published by the Basel Committee on Banking Supervision in October 2014 and became a minimum standard on 1 January 2018. This calculator uses the Basel III standard factors as of October 2026.
How is the NSFR calculated? Give a worked example.
Compute total ASF = each item multiplied by its ASF factor, compute total RSF = each item multiplied by its RSF factor, then NSFR = (ASF divided by RSF) times 100%. Example: regulatory capital IDR 100 million times 100% = IDR 100 million; stable retail deposits IDR 500 million times 95% = IDR 475 million; so total ASF = IDR 575 million. Cash IDR 50 million times 0% = IDR 0 million; performing loans IDR 400 million times 85% = IDR 340 million; so total RSF = IDR 340 million. NSFR = IDR 575 million divided by IDR 340 million times 100% = 169.12%, above the 100% minimum.
What are the ASF factors under the Basel III standard?
The Basel III standard ASF factors (as of October 2026, source: Basel Committee on Banking Supervision): 100% for regulatory capital (Tier 1 + Tier 2, excluding Tier 2 with residual maturity under 1 year) and other liabilities and capital instruments with residual maturity of 1 year or more; 95% for "stable" retail and small-business deposits under 1 year; 90% for "less stable" ones under 1 year; 50% for funding under 1 year from non-financial corporates, operational deposits, sovereigns/PSEs/development banks, and other funding from 6 months to under 1 year (including from central banks and financial institutions); 0% for other liabilities and equity outside the categories above.
What are the RSF factors under the Basel III standard?
The Basel III standard RSF factors (as of October 2026, source: Basel Committee on Banking Supervision): 0% for cash, banknotes, and central bank reserves; 5% for unencumbered Level 1 HQLA; 10% for loans to financial institutions under 6 months secured by Level 1 assets and re-hypothecatable; 15% for unencumbered Level 2A HQLA and other loans to financial institutions under 6 months; 50% for unencumbered Level 2B HQLA and other loans and assets under 1 year; 65% for residential mortgages and other loans over 1 year with risk weight of 35% or lower; 85% for performing loans over 1 year with risk weight above 35%, derivative initial margin, non-HQLA securities, equities, and commodities; 100% for assets encumbered 1 year or more and other assets outside the categories above.
What does an NSFR below 100% mean?
Arithmetically, an NSFR below 100% means available stable funding is smaller than required stable funding under the standard factors. Example: Bank B with ASF IDR 900 million and RSF IDR 1,000 million yields NSFR 90%, below the 100% minimum. The 100% threshold is the Basel III minimum standard; actual compliance interpretation follows each jurisdiction's regulations (including the stable/less-stable retail definitions and national discretion applied). This calculator's figures are an educational illustration of the standard factors, not a compliance assessment.
How do I use the NSFR target solver?
Enter current ASF, current RSF, and the NSFR target (default 100%). The calculator computes additional ASF = (target times RSF) minus current ASF; if the result is zero or negative, the target is already met arithmetically. It also computes maximum RSF = current ASF divided by target. Example: ASF IDR 900 million, RSF IDR 1,000 million, target 100% yields additional ASF of IDR 100 million and maximum RSF of IDR 900 million.
Can this calculator's results be used for bank reporting or regulatory decisions?
No. This calculator provides an educational estimate based on the published Basel III standard factors, not financial advice, regulatory advice, or a compliance assessment. Official NSFR calculations follow each jurisdiction's supervisory authority rules, the stable/less-stable retail definitions, national discretion treatment (e.g., the derivative-liability portion), and other adjustments not modeled here. For reporting or decision purposes, use the bank's official calculations and consider consulting a compliance professional or licensed advisor.