# Financijske Funkcije Prvi Dio

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Analiza funkcija Dio Dva

Analiza funkcija Dio Dva

Calculates the cumulative redemption of a loan in a period. The functions whose names end with _ADD or _EXCEL2003 return the same results as the corresponding Microsoft Excel 2003 functions without the suffix. Use the functions without suffix to get results based on international standards.

#### Syntax

CUMPRINC_ADD(Rate; NPer; PV; StartPeriod; EndPeriod; Type)

Stopa definiše kamatnu stopu po periodu.

NPer is the total number of payment periods. The rate and NPER must refer to the same unit, and thus both be calculated annually or monthly.

PV is the current value.

StartPeriod is the first payment period for the calculation.

EndPeriod is the last payment period for the calculation.

Type is the maturity of a payment at the end of each period (Type = 0) or at the start of the period (Type = 1).

#### Example

The following mortgage loan is taken out on a house:

Rate: 9.00 per cent per annum (9% / 12 = 0.0075), Duration: 30 years (payment periods = 30 * 12 = 360), NPV: 125000 currency units.

How much will you repay in the second year of the mortgage (thus from periods 13 to 24)?

In the first month you will be repaying the following amount:

Calculates the accumulated interest for a period. The functions whose names end with _ADD or _EXCEL2003 return the same results as the corresponding Microsoft Excel 2003 functions without the suffix. Use the functions without suffix to get results based on international standards.

#### Syntax

CUMIPMT_ADD(Rate; NPer; PV; StartPeriod; EndPeriod; Type)

Stopa definiše kamatnu stopu po periodu.

NPer is the total number of payment periods. The rate and NPER must refer to the same unit, and thus both be calculated annually or monthly.

PV is the current value.

StartPeriod is the first payment period for the calculation.

EndPeriod is the last payment period for the calculation.

Type is the maturity of a payment at the end of each period (Type = 0) or at the start of the period (Type = 1).

#### Example

The following mortgage loan is taken out on a house:

Rate: 9.00 per cent per annum (9% / 12 = 0.0075), Duration: 30 years (NPER = 30 * 12 = 360), Pv: 125000 currency units.

How much interest must you pay in the second year of the mortgage (thus from periods 13 to 24)?

How much interest must you pay in the first month?

## TBILLEQ

Calculates the annual return on a treasury bill. A treasury bill is purchased on the settlement date and sold at the full par value on the maturity date, that must fall within the same year. A discount is deducted from the purchase price.

#### Syntax

TBILLEQ(Settlement; Maturity; Discount)

Par je nominalna vrijednost pokrica.

Dozrijevanje je datum prodaje osiguranja

Discount is the percentage discount on acquisition of the security.

#### Example

Settlement date: March 31 1999, maturity date: June 1 1999, discount: 9.14 per cent.

The return on the treasury bill corresponding to a security is worked out as follows:

=TBILLEQ("1999-03-31";"1999-06-01"; 0.0914) returns 0.094151 or 9.4151 per cent.

## YIELDDISC

Calculates the annual yield of a non-interest-bearing security.

#### Syntax

YIELDDISC(Settlement; Maturity; Price; Redemption [; Basis])

Par je nominalna vrijednost pokrica.

Dozrijevanje je datum prodaje osiguranja

Cijena je cijena sigurnosti na 100 valutne jedinice nominalnu vrijednost..

Otkup je cijena isplatne vrijednosti sigurnosti na 100 jedinica valute po nominalnoj vrijdnosti .

Osnova se bira sa liste opcija i pokazuje kako se godina racuna.

 Osnova Računica 0 or missing US metoda (NASD), 12 mjeseci po 30 dana svaki 1 Tacan broj dana u mjesecu, tacan broj dana u godini 2 Tacan broj dana u mjesecu, godina ima 360 dana 3 Tacan broj dana u mjesecu, godina ima 365 dana 4 Evropska metoda, 12 mjeseci po 30 dana svaki

#### Example

A non-interest-bearing security is purchased on 1999-02-15. It matures on 1999-03-01. The price is 99.795 currency units per 100 units of par value, the redemption value is 100 units. The basis is 2. How high is the yield?

=YIELDDISC("1999-02-15"; "1999-03-01"; 99.795; 100; 2) returns 0.052823 or 5.2823 per cent.

## YIELDMAT

Calculates the annual yield of a security, the interest of which is paid on the date of maturity.

#### Syntax

YIELDMAT(Settlement; Maturity; Issue; Rate; Price [; Basis])

Par je nominalna vrijednost pokrica.

Dozrijevanje je datum prodaje osiguranja

Par je nominalna vrijednost pokrica.

Rate is the interest rate of the security on the issue date.

Cijena je cijena sigurnosti na 100 valutne jedinice nominalnu vrijednost..

Osnova se bira sa liste opcija i pokazuje kako se godina racuna.

 Osnova Računica 0 or missing US metoda (NASD), 12 mjeseci po 30 dana svaki 1 Tacan broj dana u mjesecu, tacan broj dana u godini 2 Tacan broj dana u mjesecu, godina ima 360 dana 3 Tacan broj dana u mjesecu, godina ima 365 dana 4 Evropska metoda, 12 mjeseci po 30 dana svaki

#### Example

A security is purchased on 1999-03-15. It matures on 1999-11-03. The issue date was 1998-11-08. The rate of interest is 6.25%, the price is 100.0123 units. The basis is 0. How high is the yield?

=YIELDMAT("1999-03-15"; "1999-11-03"; "1998-11-08"; 0.0625; 100.0123; 0) returns 0.060954 or 6.0954 per cent.

## CUMIPMT

Calculates the cumulative interest payments, that is, the total interest, for an investment based on a constant interest rate.

#### Syntax

PV(Rate; Num_periods; Payment; FV; Type)

Stopa postavlja peridičnu kamatnu ratu

NPer is the payment period with the total number of periods. NPER can also be a non-integer value.

PVje vrijednost novca u slijedu plaćanja.

S is the first period.

E is the last period.

Vrsta (optionalno) je zbog datuma periodičnog plaćanja, bilo na početku ili na kraju razdoblja.

#### Example

What are the interest payments at a yearly interest rate of 5.5 %, a payment period of monthly payments for 2 years and a current cash value of 5,000 currency units? The start period is the 4th and the end period is the 6th period. The payment is due at the beginning of each period.

=CUMIPMT(5.5%/12;24;5000;4;6;1) = -57.54 currency units. The interest payments for between the 4th and 6th period are 57.54 currency units.

## PRICE

Calculates the market value of a fixed interest security with a par value of 100 currency units as a function of the forecast yield.

#### Syntax

PRICE(Settlement; Maturity; Rate; Yield; Redemption; Frequency [; Basis])

Par je nominalna vrijednost pokrica.

Dozrijevanje je datum prodaje osiguranja

Stopa je godišnja nominalna stopa kamate (terminska kamatna stopa).

Par je nominalna vrijednost pokrica.

Otkup je cijena isplatne vrijednosti sigurnosti na 100 jedinica valute po nominalnoj vrijdnosti .

Frekvencijaje broj kamatnih placanja po godini (1,2 ili 4)

Osnova se bira sa liste opcija i pokazuje kako se godina racuna.

 Osnova Računica 0 or missing US metoda (NASD), 12 mjeseci po 30 dana svaki 1 Tacan broj dana u mjesecu, tacan broj dana u godini 2 Tacan broj dana u mjesecu, godina ima 360 dana 3 Tacan broj dana u mjesecu, godina ima 365 dana 4 Evropska metoda, 12 mjeseci po 30 dana svaki

#### Example

A security is purchased on 1999-02-15; the maturity date is 2007-11-15. The nominal rate of interest is 5.75%. The yield is 6.5%. The redemption value is 100 currency units. Interest is paid half-yearly (frequency is 2). With calculation on basis 0, the price is as follows:

=PRICE("1999-02-15"; "2007-11-15"; 0.0575; 0.065; 100; 2; 0) returns 95.04287.

## MIRR

Calculates the modified internal rate of return of a series of investments.

#### Syntax

MIRR(Values; Investment; ReinvestRate)

Values corresponds to the array or the cell reference for cells whose content corresponds to the payments.

Investment is the rate of interest of the investments (the negative values of the array)

ReinvestRate:the rate of interest of the reinvestment (the positive values of the array)

#### Example

Assuming a cell content of A1 = -5, A2 = 10, A3 = 15, and A4 = 8, and an investment value of 0.5 and a reinvestment value of 0.1, the result is 94.16%.

## PDURATION

Calculates the number of periods required by an investment to attain the desired value.

#### Syntax

PDURATION(Rate; PV; FV)

Rate is a constant. The interest rate is to be calculated for the entire duration (duration period). The interest rate per period is calculated by dividing the interest rate by the calculated duration. The internal rate for an annuity is to be entered as Rate/12.

PV is the present (current) value. The cash value is the deposit of cash or the current cash value of an allowance in kind. As a deposit value a positive value must be entered; the deposit must not be 0 or <0.

FV is the expected value. The future value determines the desired (future) value of the deposit.

#### Example

At an interest rate of 4.75%, a cash value of 25,000 currency units and a future value of 1,000,000 currency units, a duration of 79.49 payment periods is returned. The periodic payment is the resulting quotient from the future value and the duration, in this case 1,000,000/79.49=12,850.20.

## TBILLPRICE

Calculates the price of a treasury bill per 100 currency units.

#### Syntax

TBILLPRICE(Settlement; Maturity; Discount)

Par je nominalna vrijednost pokrica.

Dozrijevanje je datum prodaje osiguranja

Discount is the percentage discount upon acquisition of the security.

#### Example

Settlement date: March 31 1999, maturity date: June 1 1999, discount: 9 per cent.

The price of the treasury bill is worked out as follows:

=TBILLPRICE("1999-03-31";"1999-06-01"; 0.09) returns 98.45.

## PRICEDISC

Calculates the price per 100 currency units of par value of a non-interest- bearing security.

#### Syntax

PRICEDISC(Settlement; Maturity; Discount; Redemption [; Basis])

Par je nominalna vrijednost pokrica.

Dozrijevanje je datum prodaje osiguranja

Discount is the discount of a security as a percentage.

Otkup je cijena isplatne vrijednosti sigurnosti na 100 jedinica valute po nominalnoj vrijdnosti .

Osnova se bira sa liste opcija i pokazuje kako se godina racuna.

 Osnova Računica 0 or missing US metoda (NASD), 12 mjeseci po 30 dana svaki 1 Tacan broj dana u mjesecu, tacan broj dana u godini 2 Tacan broj dana u mjesecu, godina ima 360 dana 3 Tacan broj dana u mjesecu, godina ima 365 dana 4 Evropska metoda, 12 mjeseci po 30 dana svaki

#### Example

A security is purchased on 1999-02-15; the maturity date is 1999-03-01. Discount in per cent is 5.25%. The redemption value is 100. When calculating on basis 2 the price discount is as follows:

=PRICEDISC("1999-02-15"; "1999-03-01"; 0.0525; 100; 2) returns 99.79583.

## NOMINAL

Calculates the yearly nominal interest rate, given the effective rate and the number of compounding periods per year.

#### Syntax

NOMINAL(EffectiveRate; NPerY)

EffectiveRate is the effective interest rate

Num_per_year je broj interesnih plaćanja po godini.

#### Example

What is the nominal interest per year for an effective interest rate of 13.5% if twelve payments are made per year.

=NOMINAL(13.5%;12) = 12.73%. The nominal interest rate per year is 12.73%.

## YIELD

Calculates the yield of a security.

#### Syntax

YIELD(Settlement; Maturity; Rate; Price; Redemption; Frequency [; Basis])

Par je nominalna vrijednost pokrica.

Dozrijevanje je datum prodaje osiguranja

Nominal_rategodišnja nominalna vrijednost kamate.

Cijena je cijena sigurnosti na 100 valutne jedinice nominalnu vrijednost..

Otkup je cijena isplatne vrijednosti sigurnosti na 100 jedinica valute po nominalnoj vrijdnosti .

Frekvencijaje broj kamatnih placanja po godini (1,2 ili 4)

Osnova se bira sa liste opcija i pokazuje kako se godina racuna.

 Osnova Računica 0 or missing US metoda (NASD), 12 mjeseci po 30 dana svaki 1 Tacan broj dana u mjesecu, tacan broj dana u godini 2 Tacan broj dana u mjesecu, godina ima 360 dana 3 Tacan broj dana u mjesecu, godina ima 365 dana 4 Evropska metoda, 12 mjeseci po 30 dana svaki

#### Example

A security is purchased on 1999-02-15. It matures on 2007-11-15. The rate of interest is 5.75%. The price is 95.04287 currency units per 100 units of par value, the redemption value is 100 units. Interest is paid half-yearly (frequency = 2) and the basis is 0. How high is the yield?

=YIELD("1999-02-15"; "2007-11-15"; 0.0575 ;95.04287; 100; 2; 0) returns 0.065 or 6.50 per cent.

## TBILLYIELD

Calculates the yield of a treasury bill.

#### Syntax

TBILLYIELD(Settlement; Maturity; Price)

Par je nominalna vrijednost pokrica.

Dozrijevanje je datum prodaje osiguranja

Cijena je cijena sigurnosti na 100 valutne jedinice nominalnu vrijednost..

#### Example

Settlement date: March 31 1999, maturity date: June 1 1999, price: 98.45 currency units.

The yield of the treasury bill is worked out as follows:

=TBILLYIELD("1999-03-31";"1999-06-01"; 98.45) returns 0.091417 or 9.1417 per cent.

## DOLLARDE

Converts a quotation that has been given as a decimal fraction into a decimal number.

#### Syntax

DOLLARDE(FractionalDollar; Fraction)

FractionalDollar is a number given as a decimal fraction.

Fraction is a whole number that is used as the denominator of the decimal fraction.

#### Example

=DOLLARDE(1.02;16) stands for 1 and 2/16. This returns 1.125.

=DOLLARDE(1.1;8) stands for 1 and 1/8. This returns 1.125.

## DOLLARFR

Converts a quotation that has been given as a decimal number into a mixed decimal fraction.

#### Syntax

DOLLARFR(DecimalDollar; Fraction)

DecimalDollar is a decimal number.

Fraction is a whole number that is used as the denominator of the decimal fraction.

#### Example

=DOLLARFR(1.125;16) converts into sixteenths. The result is 1.02 for 1 plus 2/16.

=DOLLARFR(1.125;8) converts into eighths. The result is 1.1 for 1 plus 1/8.

## PRICEMAT

Izračunava cijene na 100 jedinica valute nominalnu vrijednost vrijednosnog papira,ako zanji datum kamatne stope neregularan..

#### Syntax

PRICEMAT(Settlement; Maturity; Issue; Rate; Yield [; Basis])

Par je nominalna vrijednost pokrica.

Dozrijevanje je datum prodaje osiguranja

Par je nominalna vrijednost pokrica.

Rate is the interest rate of the security on the issue date.

Par je nominalna vrijednost pokrica.

Osnova se bira sa liste opcija i pokazuje kako se godina racuna.

 Osnova Računica 0 or missing US metoda (NASD), 12 mjeseci po 30 dana svaki 1 Tacan broj dana u mjesecu, tacan broj dana u godini 2 Tacan broj dana u mjesecu, godina ima 360 dana 3 Tacan broj dana u mjesecu, godina ima 365 dana 4 Evropska metoda, 12 mjeseci po 30 dana svaki

#### Example

Settlement date: February 15 1999, maturity date: April 13 1999, issue date: November 11 1998. Interest rate: 6.1 per cent, yield: 6.1 per cent, basis: 30/360 = 0.

The price is calculated as follows:

=PRICEMAT("1999-02-15";"1999-04-13";"1998-11-11"; 0.061; 0.061;0) returns 99.98449888.

Računa efektivnu godišnju ratu baziranu na nominalnim interesnim vrijednostima i godišnjem broju plaćanja. The functions whose names end with _ADD or _EXCEL2003 return the same results as the corresponding Microsoft Excel 2003 functions without the suffix. Use the functions without suffix to get results based on international standards.

#### Syntax

EffectiveRate is the effective annual rate of interest.

Num_per_year je broj interesnih plaćanja po godini.

#### Example

What is the nominal rate of interest for a 5.3543% effective rate of interest and quarterly payment.

=Efekt_dodaj(0.0525; 4) vraća 0.053543 or 5.3534%.

## MDURATION

Računa trajanje fiksnog sigurnosnog interesa u godinama.

#### Syntax

MDURATION(Settlement; Maturity; Coupon; Yield; Frequency [; Basis])

Par je nominalna vrijednost pokrica.

Dozrijevanje je datum prodaje osiguranja

Stopa je godišnja nominalna stopa kamate (terminska kamatna stopa).

Par je nominalna vrijednost pokrica.

Frekvencijaje broj kamatnih placanja po godini (1,2 ili 4)

Osnova se bira sa liste opcija i pokazuje kako se godina racuna.

 Osnova Računica 0 or missing US metoda (NASD), 12 mjeseci po 30 dana svaki 1 Tacan broj dana u mjesecu, tacan broj dana u godini 2 Tacan broj dana u mjesecu, godina ima 360 dana 3 Tacan broj dana u mjesecu, godina ima 365 dana 4 Evropska metoda, 12 mjeseci po 30 dana svaki

#### Example

Sigurnost je kupljena 01/01/2001; datum dospijeća je 01/01/2006. Rata interesnog kupona je 8%. Proizvod je 9.0%. Kamata je plaćena polugodisnje (frekvencija je 2). Koristeći dnevni balans računanja kamate(baza 3) koliko dugo traje?

=MDURATION("2001-01-01"; "2006-01-01"; 0.08; 0.09; 2; 3) returns 4.02 years.

## PPMT

Returns for a given period the payment on the principal for an investment that is based on periodic and constant payments and a constant interest rate.

#### Syntax

PPMT(Rate; Period; NPer; PV [ ; FV [ ; Type ] ])

Stopa postavlja peridičnu kamatnu ratu

Period is the amortizement period. P = 1 for the first and P = NPer for the last period.

Num_periods je ukupan broj razdoblja tijekom kojeg se isplaćuje renta.

PVje vrijednost novca u slijedu plaćanja.

FV (optional) is the desired (future) value.

Type (optional) defines the due date. F = 1 for payment at the beginning of a period and F = 0 for payment at the end of a period.

In the LibreOffice Calc functions, parameters marked as "optional" can be left out only when no parameter follows. For example, in a function with four parameters, where the last two parameters are marked as "optional", you can leave out parameter 4 or parameters 3 and 4, but you cannot leave out parameter 3 alone.

#### Example

How high is the periodic monthly payment at an annual interest rate of 8.75% over a period of 3 years? The cash value is 5,000 currency units and is always paid at the beginning of a period. The future value is 8,000 currency units.

=PPMT(8.75%/12;1;36;5000;8000;1) = -350.99 currency units.

## CUMPRINC

Returns the cumulative interest paid for an investment period with a constant interest rate.

#### Syntax

PV(Rate; Num_periods; Payment; FV; Type)

Stopa postavlja peridičnu kamatnu ratu

NPer is the payment period with the total number of periods. NPER can also be a non-integer value.

PVje vrijednost novca u slijedu plaćanja.

S is the first period.

E is the last period.

Vrsta (optionalno) je zbog datuma periodičnog plaćanja, bilo na početku ili na kraju razdoblja.

#### Example

What are the payoff amounts if the yearly interest rate is 5.5% for 36 months? The cash value is 15,000 currency units. The payoff amount is calculated between the 10th and 18th period. The due date is at the end of the period.

=CUMPRINC(5.5%/12;36;15000;10;18;0) = -3669.74 currency units. The payoff amount between the 10th and 18th period is 3669.74 currency units.

## PMT

Returns the periodic payment for an annuity with constant interest rates.

#### Syntax

PMT(Rate; NPer; PV [ ; [ FV ] [ ; Type ] ])

Stopa postavlja peridičnu kamatnu ratu

Num_periods je ukupan broj razdoblja tijekom kojeg se isplaćuje renta.

PVje sadašnja vrijednost novca u nizu plaćanja.

FV (optionalno) je buduća vrijednost, koji je postignut na kraju periodičnog plaćanja.

Type (optional) is the due date for the periodic payments. Type=1 is payment at the beginning and Type=0 is payment at the end of each period.

In the LibreOffice Calc functions, parameters marked as "optional" can be left out only when no parameter follows. For example, in a function with four parameters, where the last two parameters are marked as "optional", you can leave out parameter 4 or parameters 3 and 4, but you cannot leave out parameter 3 alone.

#### Example

What are the periodic payments at a yearly interest rate of 1.99% if the payment time is 3 years and the cash value is 25,000 currency units. There are 36 months as 36 payment periods, and the interest rate per payment period is 1.99%/12.

=PMT(1.99%/12;36;25000) = -715.96 currency units. The periodic monthly payment is therefore 715.96 currency units.

## NPV

Returns the present value of an investment based on a series of periodic cash flows and a discount rate. To get the net present value, subtract the cost of the project (the initial cash flow at time zero) from the returned value.

If the payments take place at irregular intervals, use the XNPV function.

#### Syntax

NPV(Rate; Number 1 [; Number 2 [; … [; Number 254]]])

Stopa definiše kamatnu stopu po periodu.

Number 1, Number 2, … , Number 254 are numbers, references to cells or to cell ranges of numbers.

#### Example

What is the net present value of periodic payments of 10, 20 and 30 currency units with a discount rate of 8.75%. At time zero the costs were paid as -40 currency units.

=NPV(8.75%;10;20;30) = 49.43 currency units. The net present value is the returned value minus the initial costs of 40 currency units, therefore 9.43 currency units.

## SLN

Returns the straight-line depreciation of an asset for one period. The amount of the depreciation is constant during the depreciation period.

#### Syntax

SLN(Cost; Salvage; Life)

Cijena popravlja inicijalnu vrijednost asseta.

Rješavanje je vrijednost imovine nakon deprecijacije.

Life is the depreciation period determining the number of periods in the depreciation of the asset.

#### Example

Office equipment with an initial cost of 50,000 currency units is to be depreciated over 7 years. The value at the end of the depreciation is to be 3,500 currency units.

=SLN(50000;3,500;84) = 553.57 currency units. The periodic monthly depreciation of the office equipment is 553.57 currency units.

Analiza funkcija Dio Dva

Analiza funkcija Dio Dva