Treasury · balance sheet & NII

A single-calculator adaptation of the v0.9 review-edition Treasury lab, 19 September 2026. Synthetic assumptions: loans 6%, securities 4%, cash 3%, deposits 2%, wholesale funding 4.5%, equity 70. All amounts use the same units; surplus funds earn no additional return in this simplified example.

Try this: Increase loans while keeping deposits fixed. What happens to wholesale funding need and annual net interest income?

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