Weighted Cost Of Funds Blended Calculator
Reconcile actual funding balances and caller nominal annual costs, rounding annual cost once while exposing balance-weighted nominal rate; no effective-APY compounding, currency conversion or funding eligibility inference.
Description
Blended funding cost weights nominal annual rates by observed balances.
Blended funding cost weights nominal annual rates by observed balances. Rounding once on the pooled numerator differs from rounding each funding line.1
The returned values include Total observed funding minor, Rounded annual funding cost minor, Blended nominal annual cost percent. The How section below explains the calculation, input rules and interpretation.
When to use Weighted Cost Of Funds Blended Calculator
Use Weighted Cost Of Funds Blended Calculator when you need to evaluate the supplied records under the calculation and evidence rules below. No effective-APY compounding, currency conversion or funding eligibility is inferred.
Prepare observed financial records and verified caller terms. Use one currency for integer minor-unit money and preserve leading zeros in identifier text. One basis point is 0.01 percentage points. Resolve dates, local clocks, counting rules and evidence flags as specified.
How to use Weighted Cost Of Funds Blended Calculator and understand its results
- Prepare observed financial records and verified caller terms. Use one currency for integer minor-unit money and preserve leading zeros in identifier text. One basis point is 0.01 percentage points. Resolve dates, local clocks, counting rules and evidence flags as specified.
- Enter fundingBalanceMinor, callerNominalAnnualCostBasisPoints using the field table and calculation rules, then run the tool.
- Read totalObservedFundingMinor, roundedAnnualFundingCostMinor, blendedNominalAnnualCostPercent. The explanation below defines the units, signs, ordering and any flags or placeholder values.
- If the tool reports an input issue, correct the values and run it again. Apply the stated assumptions when interpreting a successfully returned result.
| Input field | Meaning | Value type; see rules below | Requirement |
|---|---|---|---|
| fundingBalanceMinor | Funding balance minor | list of number | Required |
| callerNominalAnnualCostBasisPoints | Caller nominal annual cost basis points | list of number | Required |
Enter aligned nonempty nonnegative safe-integer balances and integer annual cost basis points 0–100000. Require positive total balance. Return total funding, once-rounded annual cost and balance-weighted nominal percent, using exact integer accumulation and half ties away from zero.
numerator=sum(balanceMinor_i×rateBps_i); annualCost=roundMinor(numerator/10000); ratePercent=numerator/(100×totalBalance) Units, indexing, boundary conditions and exceptional cases are defined in the calculation rules above.
| Output field | Meaning | Value type |
|---|---|---|
| totalObservedFundingMinor | Total observed funding minor | number |
| roundedAnnualFundingCostMinor | Rounded annual funding cost minor | number |
| blendedNominalAnnualCostPercent | Blended nominal annual cost percent | number |
{
"input": {
"fundingBalanceMinor": [
1000,
3000
],
"callerNominalAnnualCostBasisPoints": [
100,
500
]
},
"output": {
"totalObservedFundingMinor": 4000,
"roundedAnnualFundingCostMinor": 160,
"blendedNominalAnnualCostPercent": 4
}
}Limitations and assumptions
No effective-APY compounding, currency conversion or funding eligibility is inferred.
Numeric inputs, where present, must be finite. Follow the calculation-specific rules for overflow, underflow and exceptional cases. Numeric lists are limited to 10,000 entries; string lists to 128 strings of at most 128 characters each. The rules above may impose smaller limits. Missing required fields, extra fields, wrong value types and violations of the calculation rules are input errors.
Alternative or Complementary methods
Use Net Interest Margin NIM Calculator: Net interest margin uses net interest income over time-weighted earning assets. Annualizing by the represented period differs from using an end balance. For a complementary task, use NSFR Net Stable Funding Ratio Calculator: NSFR compares available with required stable funding after classification weights. Supplied factors and category rounding shape this simplified scenario.
References
Similar or alternative tools
- Net Interest Margin NIM Calculator
Net interest margin uses net interest income over time-weighted earning assets. Annualizing by the represented period differs from using an end balance.
- NSFR Net Stable Funding Ratio Calculator
NSFR compares available with required stable funding after classification weights. Supplied factors and category rounding shape this simplified scenario.