How to calculate Interest?

We have a unique requirement. We invest in a product which pays a particular rate of interest up to certain balance and a different interest rate beyond that balance.
For example If our Investment is upto 10Million, the bank pays 0.1%. Any investment above 10Million the bank pays only 0.075%.
How can we calculate this interest using a Interest rate instrument or any other Money market Product?
So on a particular day if our investment balance was 15M then the interest earned will be (10M *0.1/100/365) + (5M * 0.075/100/365). How can we configure this in the system?
Kalyan.

Hi Kalyan,
according to my own knowledge, this is not a standard functionality of SAP Treasury module. If you use the Interest rate instrument (the Product category - 550 ), then the 3 following variants of interest rates are available:
--- as fixed interest (like 2%);
--- as variable interest (like LIBOR 6 mo USD, EURIBOR 6 mo, etc.);
--- as an amount (like 100 USD).
so, in your case I see the 2 following work-arounds to handle those requirements:
--- scenario A. According to your provided formula, you can split total amount of 15 mio into 2 deals: 1st - 10 mio, paying 0.1% and 2nd - 5 mio, paying 0.075%;
--- scenario B. Another solution might be calculating interest amount of of the system and input it just as an amount (3rd option of interest entry).
Rgds,
Renatas

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How to calculate Interest?

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