Sesión 5 y 6: Aplicaciones en los productos bancarios "de pasivo"

* Pregunta 6

a) ¿Cuá l fue el monto recibido por Fenix SAC al cancelar el CDP?

VP 18,000 VF

TEA Periodo Importe Interes Agregado

0 18,000 18,000
2.00% 8 239.21 239.21
2.20% 20 401.26 401.26
2.70% 24 166.28 166.28

b) ¿Cuá l fue el rendimiento promedio anual de la operació n?

VF 18,806.75 Interes 806.75

VA 18,000.00 VA 18,000.00

i Periodo 4.48% 2 añ os i Periodo 4.48%

TEA 2.22% TEA 2.22%

* Pregunta 10
a) ¿Cuá nto será el monto acumulado hoy (VF), si acaba de realizar su ú ltimo depó sito?

TEA 10.00%
TEM 0.80%

Método 1
Periodo Renta VF
1 S/300.00 S/553.00
2 S/300.00 S/548.62 VF S/32,280.43
3 S/300.00 S/544.28 Aportes S/23,400.00
4 S/300.00 S/539.98 Interes S/8,880.43
5 S/300.00 S/535.71
6 S/300.00 S/531.47
7 S/300.00 S/527.26
8 S/300.00 S/523.09
9 S/300.00 S/518.95
10 S/300.00 S/514.85
11 S/300.00 S/510.78
12 S/300.00 S/506.74
13 S/300.00 S/502.73
14 S/300.00 S/498.75
15 S/300.00 S/494.80
16 S/300.00 S/490.89
17 S/300.00 S/487.01
18 S/300.00 S/483.15
19 S/300.00 S/479.33
20 S/300.00 S/475.54
21 S/300.00 S/471.78
22 S/300.00 S/468.04
23 S/300.00 S/464.34
24 S/300.00 S/460.67
25 S/300.00 S/457.02
26 S/300.00 S/453.41
27 S/300.00 S/449.82
28 S/300.00 S/446.26
29 S/300.00 S/442.73
30 S/300.00 S/439.23
31 S/300.00 S/435.76
32 S/300.00 S/432.31
33 S/300.00 S/428.89
34 S/300.00 S/425.49
35 S/300.00 S/422.13
36 S/300.00 S/418.79
37 S/300.00 S/415.48
38 S/300.00 S/412.19
39 S/300.00 S/408.93
40 S/300.00 S/405.69
41 S/300.00 S/402.48
42 S/300.00 S/399.30
43 S/300.00 S/396.14
44 S/300.00 S/393.01
45 S/300.00 S/389.90
46 S/300.00 S/386.81
47 S/300.00 S/383.75
48 S/300.00 S/380.72
49 S/300.00 S/377.71
50 S/300.00 S/374.72
51 S/300.00 S/371.75
52 S/300.00 S/368.81
53 S/300.00 S/365.89
54 S/300.00 S/363.00
55 S/300.00 S/360.13
 56 S/300.00 S/357.28
57 S/300.00 S/354.45
58 S/300.00 S/351.65
59 S/300.00 S/348.87
60 S/300.00 S/346.11
61 S/300.00 S/343.37
62 S/300.00 S/340.65
63 S/300.00 S/337.96
64 S/300.00 S/335.28
65 S/300.00 S/332.63
66 S/300.00 S/330.00
67 S/300.00 S/327.39
68 S/300.00 S/324.80
69 S/300.00 S/322.23
70 S/300.00 S/319.68
71 S/300.00 S/317.15
72 S/300.00 S/314.64
73 S/300.00 S/312.15
74 S/300.00 S/309.68
75 S/300.00 S/307.23
76 S/300.00 S/304.80
77 S/300.00 S/302.39
78 S/300.00 S/300.00

b) TEM 0.80%
nPer 134 días
VP S/32,280.43
VF S/33,446.18

c) VP S/32,280.43
TEM 0.80%
TET 2.41%
N° cuotas 4
Cuota S/8,562.40
 d) TEM 0.80%
Periodo Cuota Interes Saldo
0 S/32,280.43
1 S/257.41 S/32,537.84
2 S/259.46 S/32,797.30
3 S/261.53 S/33,058.83
4 S/263.62 S/33,322.44
5 S/265.72 S/33,588.16
6 S/8,768.87 S/267.84 S/25,087.12 0
7 S/200.05 S/25,287.17 1
8 S/201.64 S/25,488.82 2
9 8,769 S/203.25 S/16,923.19 3
10 S/134.95 S/17,058.14 4
11 S/136.02 S/17,194.17 5
12 8,769 S/137.11 S/8,562.40 6
13 S/68.28 S/8,630.68 7
14 S/68.82 S/8,699.50 8
15 8,769 S/69.37 S/0.00 9

* Pregunta 14

Valor cuota 2800

Fecha Habitat Rendimiento Aportes Interes

Jan-18 15.0975933 2,800
Feb-18 14.8751086 -1.474% 2,800 - 41.26
Mar-18 14.8590323 -0.108% 2,800 - 6.01
 Apr-18 14.7408167 -0.796% 2,800 - 66.45
May-18 14.8996283 1.077% 2,800 119.44
Jun-18 14.7821483 -0.788% 2,800 - 110.43
Jul-18 14.5515036 -1.560% 2,800 - 260.50
Aug-18 14.5555528 0.028% 2,800 5.35
Sep-18 14.4815217 -0.509% 2,800 - 112.10
Oct-18 14.0563403 -2.936% 2,800 - 726.02
Nov-18 13.8673354 -1.345% 2,800 - 360.39
Dec-18 13.6199064 -1.784% 2,800 - 521.75
Jan-19 13.8549897 1.726% 2,800 544.04
Feb-19 14.3365156 3.475% 2,800 1,211.69
Mar-19 14.5246906 1.313% 2,800 510.26
Apr-19 14.8534668 2.264% 2,800 954.91
May-19 14.640231 -1.436% 2,800 - 659.52
Jun-19 14.7068818 0.455% 2,800 218.89
Jul-19 15.0085414 2.051% 2,800 1,048.14

a) Determine el rendimiento a Enero 19 para cada AFP

Fondo 34,863.93
Aporte 36,400
Rendimiento - 1,536.07
% Rendimiento -4.22% -4.22%

b) Determine el rendimiento a Julio 19 para cada AFP

Fondo 54,948.30
Aporte 53,200
Rendimiento 1,748.30
% Rendimiento 3.29% 3.29%

* Pregunta 19
a) Desarrolle la tabla de fondo de amortizació n

TEA 3.20%
TEM 0.26%
Método 1
Periodo Cuota Interes Agregado Fondo
1 300 300 300
2 315 0.79 315.79 615.79
3 330 1.62 331.62 947.41
4 345 2.49 347.49 1,294.90
5 360 3.40 363.40 1,658.30
6 375 4.36 379.36 2,037.66
7 390 5.36 395.36 2,433.01
8 405 6.39 411.39 2,844.41
9 420 7.48 427.48 3,271.89
10 435 8.60 443.60 3,715.49
11 450 9.77 459.77 4,175.25
12 465 10.97 475.97 4,651.22
13 480 12.22 492.22 5,143.45
14 495 13.52 508.52 5,651.97
15 510 14.86 524.86 6,176.82
16 525 16.23 541.23 6,718.06
17 540 17.66 557.66 7,275.72
18 555 19.12 574.12 7,849.84
19 570 20.63 590.63 8,440.47
20 585 22.18 607.18 9,047.66
21 600 23.78 623.78 9,671.44
22 615 25.42 640.42 10,311.86
23 630 27.10 657.10 10,968.96
24 645 28.83 673.83 11,642.79
 b) Interes generado

Interes 302.79

c) Cuota Constante

VF 11,642.79
N° Cuotas 24
TEM 0.26%
Cuota 470.61

* Pregunta 20

Cuota Anticipada
Método 1 TEA 5.50%
Cuota 1,863.25 (Anticipada) TEM 0.45%

Periodo Cuota Interes Agregado Fondo

0 1,863.25 1,863.25 1,863.25
1 1,863.25 8.33 1,871.58 3,734.83
2 1,863.25 16.70 1,879.95 5,614.78
3 1,863.25 25.11 1,888.36 7,503.14
4 1,863.25 33.55 1,896.80 9,399.94
5 1,863.25 42.03 1,905.28 11,305.22
6 1,863.25 50.55 1,913.80 13,219.03
7 1,863.25 59.11 1,922.36 15,141.39
8 1,863.25 67.71 1,930.96 17,072.34
9 1,863.25 76.34 1,939.59 19,011.94
 10 1,863.25 85.02 1,948.27 20,960.20
11 1,863.25 93.73 1,956.98 22,917.18
12 1,863.25 102.48 1,965.73 24,882.91
13 1,863.25 111.27 1,974.52 26,857.42
14 1,863.25 120.10 1,983.35 28,840.77
15 1,863.25 128.97 1,992.22 30,832.99
16 1,863.25 137.88 2,001.13 32,834.11
17 1,863.25 146.82 2,010.07 34,844.19
18 155.81 155.81 35,000.00

Cuota vencida

Método 1 TEA 5.50%

Cuota 1,871.58 (Vencida) TEM 0.45%

Periodo Cuota Interes Agregado Fondo

0
1 1,871.58 1,871.58 1,871.58
2 1,871.58 8.37 1,879.95 3,751.53
3 1,871.58 16.78 1,888.36 5,639.89
4 1,871.58 25.22 1,896.80 7,536.69
5 1,871.58 33.70 1,905.28 9,441.97
6 1,871.58 42.22 1,913.80 11,355.78
7 1,871.58 50.78 1,922.36 13,278.14
8 1,871.58 59.38 1,930.96 15,209.09
9 1,871.58 68.01 1,939.59 17,148.69
10 1,871.58 76.68 1,948.27 19,096.95
11 1,871.58 85.40 1,956.98 21,053.93
12 1,871.58 94.15 1,965.73 23,019.66
13 1,871.58 102.94 1,974.52 24,994.17
14 1,871.58 111.77 1,983.35 26,977.52
15 1,871.58 120.64 1,992.22 28,969.74
16 1,871.58 129.54 2,001.13 30,970.86
17 1,871.58 138.49 2,010.07 32,980.94
18 1,871.58 147.48 2,019.06 35,000.00
 18,806.75

Fondo
18,000.00
18,239.21
18,640.47
18,806.75

2 añ os
ú ltimo depó sito?

Método 2 Método 3
Fó rmula Excel Formula Excel (Anticipado)
TEM 0.80% TEM
N° Cuotas 78 N° Cuotas
Renta S/300.00 Renta
VF S/32,280.43 VF

n Per
TEM
VA
 VP S/32,280.43
nPer 6
TEM 0.80%
VF S/33,856.00

VA S/33,856.00
N° Cuotas 4
S/33,856.00 S/8,768.87 TET 2.41%
Cuota S/8,768.87

S/8,768.87

S/8,768.87

S/8,768.87

Agregado Fondo
Chart Title
2,800 2,800
15.5
2,758.74 5,558.74
2,793.99 8,352.73 15

14.5

14
 Chart Title
15.5

15

2,733.55 11,086.28
14.5
2,919.44 14,005.72
2,689.57 16,695.29 14

2,539.50 19,234.79 13.5

2,805.35 22,040.14
13
2,687.90 24,728.04
2,073.98 26,802.02 12.5
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17
2,439.61 29,241.64
2,278.25 31,519.89
Chart Title
3,344.04 34,863.93
60,000
4,011.69 38,875.62
3,310.26 42,185.88 50,000

3,754.91 45,940.79 40,000

2,140.48 48,081.26
30,000
3,018.89 51,100.16
3,848.14 54,948.30 20,000

10,000

-
0 2 4 6 8 10 12 14 16
Método 2
TEM 0.26%
N° Cuotas 24
Cuota (A) 300
Gradiente (G) 15

Tramo 1 7,422
Tramo 2 4,221
VF (T1 + T2) 11,642.79
Método excel

VF 35000
TEM 0.45%
n 18
C. Anticipada 1,863.25
Método excel

VF 35000
TEM 0.45%
n 18
C. Anticipada S/1,871.58
 Método 4
ula Excel (Anticipado) Fórmula financiera
0.80% TEM 0.80%
78 N° Cuotas 78
S/300.00 Renta S/300.00
S/32,537.84 VF S/32,280.43

1
0.80%
S/32,280.43
 meses

Chart Title
 Chart Title

7 8 9 10 11 12 13 14 15 16 17 18 19

Chart Title

6 8 10 12 14 16 18 20
Equivalencia Financiera

Cuota Anticipada 1,863.25

Cuota Vencida S/1,871.58
Fecha Habitat Integra Prima Profuturo
Jan-18 15.0975933 43.0344792 40.4220664 38.9672771
Feb-18 14.8751086 42.2190617 39.7172167 38.3123449
Mar-18 14.8590323 41.9983629 39.461183 38.2457098
Apr-18 14.7408167 41.9731984 39.4405707 38.1768116
May-18 14.8996283 42.6835927 39.8399752 38.948828
Jun-18 14.7821483 42.181111 39.3045622 38.6617768
Jul-18 14.5515036 41.5895633 38.9649901 38.2091558
Aug-18 14.5555528 41.6506682 39.0645952 38.218219
Sep-18 14.4815217 41.2602923 38.7747728 37.8625658
Oct-18 14.0563403 40.1297762 37.862787 36.8869337
Nov-18 13.8673354 40.3318424 37.9324931 36.8837359
Dec-18 13.6199064 39.6982668 37.3280965 36.4198471
Jan-19 13.8549897 40.0490588 37.743906 36.7253119
Feb-19 14.3365156 41.1669965 38.8085509 37.7235948
Mar-19 14.5246906 41.6191837 39.2082452 38.1911397
Apr-19 14.8534668 42.3348915 39.8763122 38.9567608
May-19 14.640231 41.3695169 38.5834805 38.1918818
Jun-19 14.7068818 41.4241135 38.6267304 38.3877016
Jul-19 15.0085414 42.0262407 39.3210652 38.9043986
 Fondo De Fondos Fondo De Fondos
Fondo De Fondos Fondo De Fondos
Credicorp Credicorp
Credicorp Credicorp
Fecha Capital Acciones Capital Acciones
Capital Consumo Capital Acciones
Sector Seguridad Estados Unidos
Global Fmiv Europa Fmiv
Fmiv Fmiv

12/31/2018 89.12 108.04 97.66 88.24

1/31/2019 95.72 117.17 101.01 94.66
2/28/2019 101.5 122.8 106.54 98.91
3/31/2019 101.81 124.03 110.61 102.94
4/30/2019 106.51 132.36 113.46 109.7
5/31/2019 100.29 124.9 110.76 102.04
6/30/2019 105.91 130.5 115.74 107.42
7/31/2019 109.09 134.83 117.77 107.27
8/31/2019 107.8 129.97 117.3 105.94
9/23/2019 107.8 131.71 115.63 107.52