Babylon Ladder CSV Specification

A Babylon ladder is a record of fixed-rate term deposits. Investors often arrange deposits of similar size with staggered maturities, producing the familiar rungs of a cash ladder.

The current ladder importer reads the exact PascalCase headers below. Header order is not significant. Dates use YYYY-MM-DD, and numeric values should not contain thousands separators.

Core columns

• Ladder — ladder identifier, constant across its rows.
• AccountAlias — non-empty, human-friendly account name.
• Type — Income when interest is paid during the term, or Accumulation when interest is reinvested and paid at maturity.
• Principal — principal amount invested.
• CouponRate — fixed rate in decimal form; for example, 4.2% is 0.042.
• StartDate — deposit start date.
• MaturityDate — date on which principal and final interest are paid.
• Frequency — payment frequency such as 1M, 3M, 6M, 12M or 1Y.
• Currency — currency of the principal and interest.

Optional columns

• Description — free-form description.
• Daycount — ACT/360, ACT/365F or ACT/ACT(ICMA).
• PmtCalendar — payment calendar identifier.
• PmtConvention — business-day adjustment. Canonical values are Following, ModFollowing, Preceding, ModPreceding and None. The parser is case-insensitive and also accepts normalised uppercase forms such as MODPRECEDING.
• Comments — free-form comments supplied by the user.

Misspelt variants of the business-day conventions are not supported.

Example

Ladder,AccountAlias,Type,Description,Principal,CouponRate,StartDate,MaturityDate,Frequency,Daycount,PmtCalendar,PmtConvention,Currency,Comments
MyCashLadder,Aldermore-Sep28,Income,Aldermore fixed deposit,10000,0.042,2025-09-01,2028-09-01,6M,ACT/365F,LON,ModFollowing,GBP,Ladder rung 1
MyCashLadder,NSI-Aug27,Accumulation,NS&I fixed deposit,8000,0.039,2025-08-15,2027-08-15,1Y,ACT/365F,LON,Following,GBP,Reinvests interest

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