HP 12c Platinum Financial Calculator - Page 1 de 2

HP 12c Platinum Financial Calculator HP Part Number F2232-90001 I Basic Functions Storage Registers: 20 Data storage registers are designed from R0 through R9 and R.0 through R.9 and to store and recall; and to operate with display amount and save back on the same register the result;

Percentage:

- Percentage; and or - Net Amount; - Percent Deference: o When Base is Cost, the result will be Mark-Up; o When Base is Price, the result will be Margin. - Percent of a Total.

Calendar Functions: Future and Past Dates: Giving Date No of Days ( o On the answer, 1 is for Monday and 7 for Sunday. Number of Days between dates: ; o to show result based on a 30-day month base.

in case of past)

II Basic Financial Functions Simple Interest: - No of days; - annual interest rate; - Principal amount (in negative ) - Based on 360 days per Year o - Based on 365 days per Year Compound Interest Calculations: Interest rates are usually quoted at the annual rate, also called nominal rate. However, in compound interest problems, the interest rate entered into must always be expressed in terms of the basic compound period. is rounded up by the calculator to show the total number of payments, and one final smaller payment can be found: o - Equals to over payment; o o or - Recall payment amount; - calculate fractional final payment amount.

HP 12c Platinum Financial Calculator - Page 2 de 2

Odd-Period Calculations Interest often begins to accrue prior to the beginning of the first regular payment period. Odd-Period calculation can be performed with either simple interest or compound interest. If C status it is not indicated on the display ( ), simple interest will be used. o - Actual number of Odd days; o - Change to 30-Days per month basis; o by the length of periods. o add the fraction part of n to the integer part of n and store it.

Amortization Key in the number of payments to be amortized; - to display the amount from those payments applied toward interest; - to display the amount from those payments applied toward the principal - display the number of payments just amortized; - display the remaining balance; - display total number of payments amortized. III Additional Financial Functions Discounted Cash Flow Analysis: NPV and IRR - Net Present Value; - Internal Rate of Return; - Will be referred as rate of return. Other terms used include: required rate of return, minimal acceptable rate of return and cost of capital. NPV value indicates the result of the investment: o NPV > 0 - the financial value of the investors assets would be increased; o NPV = 0 - the financial value of the investors assets would not change; o NPV < 0 - the financial value of the investors assets would be decreased. IRR is the discounted rate at which NPV=0: o IRR > i - he investment is financially attractive; o IRR = 0 - the investment is indifferent; o IRR < i - the investment is financially unattractive.