Anexa 2
TABELE DE CALCUL
Tabelul 1.2
Determinarea dobânzilor în functie de coeficientii de multiplicare si de perioade
Formula: p = (kn - 1)/n
        Utilizarea tabelului 1.2
        Tabelul contine pe coloane perioadele socotite în ani, luni, zile etc., de la 1 la 20, iar pe linii coeficientii de multiplicare, luati de la 2 pânã la 100. Tabelul poate fi utilizat pentru determinarea unei dobânzi atunci când se cunoaste un termen de pãstrare dat în numãr de ani, luni, zile etc. si un coeficient de multiplicare pentru o sumã initialã. Astfel, pentru o perioadã de 12 ani si un coeficient de multiplicare egal cu 7, vom gãsi în tabel cã dobânda anualã aferentã este de 50 %. Asadar, dacã dorim sã beneficiem de o sumã de 7 ori mai mare decât cea depusã initial, dupã exact 12 ani, trebuie ca banca sã ne asigure o dobândã de 50 %.

k\n         1          2           3          4          5          6          7           8          9      10
2 -     100.0     50.0     33.3     25.0     20.0     16.7     14.3     12.5     11.1   10.0
3 -     200.0   100.0     66.7     50.0     40.0     33.3     28.6     25.0     22.2   20.0
4 -     300.0   150.0   100.0     75.0     60.0     50.0     42.9     37.5     33.3   30.0
5 -     400.0   200.0   133.3   100.0     80.0     66.7     57.1     50.0     44.4   40.0
6 -     500.0   250.0   166.7   125.0   100.0     83.3     71.4     62.5     55.6   50.0
7 -     600.0   300.0   200.0   150.0   120.0   100.0     85.7     75.0     66.7   60.0
8 -     700.0   350.0   233.3   175.0   140.0   116.7   100.0     87.5     77.8   70.0
9 -     800.0   400.0   266.7   200.0   160.0   133.3   114.3   100.0     88.9   80.0
10 -   900.0   450.0   300.0   225.0   180.0   150.0   128.6   112.5   100.0   90.0
11 - 1000.0   500.0   333.3   250.0   200.0   166.7   142.9   125.0   111.1 100.0
12 - 1100.0   550.0   366.7   275.0   220.0   183.3   157.1   137.5   122.2 110.0
13 - 1200.0   600.0   400.0   300.0   240.0   200.0   171.4   150.0   133.3 120.0
14 - 1300.0   650.0   433.3   325.0   260.0   216.7   185.7   162.5   144.4 130.0
15 - 1400.0   700.0   466.7   350.0   280.0   233.3   200.0   175.0   155.6 140.0
16 - 1500.0   750.0   500.0   375.0   300.0   250.0   214.3   187.5   166.7 150.0
17 - 1600.0   800.0   533.3   400.0   320.0   266.7   228.6   200.0   177.8 160.0
18 - 1700.0   850.0   566.7   425.0   340.0   283.3   242.9   212.5   188.9 170.0
19 - 1800.0   900.0   600.0   450.0   360.0   300.0   257.1   225.0   200.0 180.0
20 - 1900.0   950.0   633.3   475.0   380.0   316.7   271.4   237.5   211.1 190.0
21 - 2000.0 1000.0   666.7   500.0   400.0   333.3   285.7   250.0   222.2 200.0
22 - 2100.0 1050.0   700.0   525.0   420.0   350.0   300.0   262.5   233.3 210.0
23 - 2200.0 1100.0   733.3   550.0   440.0   366.7   314.3   275.0   244.4 220.0
24 - 2300.0 1150.0   766.7   575.0   460.0   383.3   328.6   287.5   255.6 230.0
25 - 2400.0 1200.0   800.0   600.0   480.0   400.0   342.9   300.0   266.7 240.0
k\n         1           2          3          4          5          6          7          8          9      10
26 - 2500.0 1250.0   833.3   625.0   500.0   416.7   357.1   312.5   277.8 250.0
27 - 2600.0 1300.0   866.7   650.0   520.0   433.3   371.4   325.0   288.9 260.0
28 - 2700.0 1350.0   900.0   675.0   540.0   450.0   385.7   337.5   300.0 270.0
29 - 2800.0 1400.0   933.3   700.0   560.0   466.7   400.0   350.0   311.1 280.0
30 - 2900.0 1450.0   966.7   725.0   580.0   483.3   414.3   362.5   322.2 290.0
31 - 3000.0 1500.0 1000.0   750.0   600.0   500.0   428.6   375.0   333.3 300.0
32 - 3100.0 1550.0 1033.3   775.0   620.0   516.7   442.9   387.5   344.4 310.0
33 - 3200.0 1600.0 1066.7   800.0   640.0   533.3   457.1   400.0   355.6 320.0
34 - 3300.0 1650.0 1100.0   825.0   660.0   550.0   471.4   412.5   366.7 330.0
35 - 3400.0 1700.0 1133.3   850.0   680.0   566.7   485.7   425.0   377.8 340.0
36 - 3500.0 1750.0 1166.7   875.0   700.0   583.3   500.0   437.5   388.9 350.0
37 - 3600.0 1800.0 1200.0   900.0   720.0   600.0   514.3   450.0   400.0 360.0
38 - 3700.0 1850.0 1233.3   925.0   740.0   616.7   528.6   462.5   411.1 370.0
39 - 3800.0 1900.0 1266.7   950.0   760.0   633.3   542.9   475.0   422.2 380.0
40 - 3900.0 1950.0 1300.0   975.0   780.0   650.0   557.1   487.5   433.3 390.0
41 - 4000.0 2000.0 1333.3 1000.0   800.0   666.7   571.4   500.0   444.4 400.0
42 - 4100.0 2050.0 1366.7 1025.0   820.0   683.3   585.7   512.5   455.6 410.0
43 - 4200.0 2100.0 1400.0 1050.0   840.0   700.0   600.0   525.0   466.7 420.0
44 - 4300.0 2150.0 1433.3 1075.0   860.0   716.7   614.3   537.5   477.8 430.0
45 - 4400.0 2200.0 1466.7 1100.0   880.0   733.3   628.6   550.0   488.9 440.0
46 - 4500.0 2250.0 1500.0 1125.0   900.0   750.0   642.9   562.5   500.0 450.0
47 - 4600.0 2300.0 1533.3 1150.0   920.0   766.7   657.1   575.0   511.1 460.0
48 - 4700.0 2350.0 1566.7 1175.0   940.0   783.3   671.4   587.5   522.2 470.0
49 - 4800.0 2400.0 1600.0 1200.0   960.0   800.0   685.7   600.0   533.3 480.0
50 - 4900.0 2450.0 1633.3 1225.0   980.0   816.7   700.0   612.5   544.4 490.0
k\n         1          2          3          4          5           6          7          8          9      10
51 - 5000.0 2500.0 1666.7 1250.0 1000.0   833.3   714.3   625.0   555.6 500.0
52 - 5100.0 2550.0 1700.0 1275.0 1020.0   850.0   728.6   637.5   566.7 510.0
53 - 5200.0 2600.0 1733.3 1300.0 1040.0   866.7   742.9   650.0   577.8 520.0
54 - 5300.0 2650.0 1766.7 1325.0 1060.0   883.3   757.1   662.5   588.9 530.0
55 - 5400.0 2700.0 1800.0 1350.0 1080.0   900.0   771.4   675.0   600.0 540.0
56 - 5500.0 2750.0 1833.3 1375.0 1100.0   916.7   785.7   687.5   611.1 550.0
57 - 5600.0 2800.0 1866.7 1400.0 1120.0   933.3   800.0   700.0   622.2 560.0
58 - 5700.0 2850.0 1900.0 1425.0 1140.0   950.0   814.3   712.5   633.3 570.0
59 - 5800.0 2900.0 1933.3 1450.0 1160.0   966.7   828.6   725.0   644.4 580.0
60 - 5900.0 2950.0 1966.7 1475.0 1180.0   983.3   842.9   737.5   655.6 590.0
61 - 6000.0 3000.0 2000.0 1500.0 1200.0 1000.0   857.1   750.0   666.7 600.0
62 - 6100.0 3050.0 2033.3 1525.0 1220.0 1016.7   871.4   762.5   677.8 610.0
63 - 6200.0 3100.0 2066.7 1550.0 1240.0 1033.3   885.7   775.0   688.9 620.0
64 - 6300.0 3150.0 2100.0 1575.0 1260.0 1050.0   900.0   787.5   700.0 630.0
65 - 6400.0 3200.0 2133.3 1600.0 1280.0 1066.7   914.3   800.0   711.1 640.0
66 - 6500.0 3250.0 2166.7 1625.0 1300.0 1083.3   928.6   812.5   722.2 650.0
67 - 6600.0 3300.0 2200.0 1650.0 1320.0 1100.0   942.9   825.0   733.3 660.0
68 - 6700.0 3350.0 2233.3 1675.0 1340.0 1116.7   957.1   837.5   744.4 670.0
69 - 6800.0 3400.0 2266.7 1700.0 1360.0 1133.3   971.4   850.0   755.6 680.0
70 - 6900.0 3450.0 2300.0 1725.0 1380.0 1150.0   985.7   862.5   766.7 690.0
71 - 7000.0 3500.0 2333.3 1750.0 1400.0 1166.7 1000.0   875.0   777.8 700.0
72 - 7100.0 3550.0 2366.7 1775.0 1420.0 1183.3 1014.3   887.5   788.9 710.0
73 - 7200.0 3600.0 2400.0 1800.0 1440.0 1200.0 1028.6   900.0   800.0 720.0
74 - 7300.0 3650.0 2433.3 1825.0 1460.0 1216.7 1042.9   912.5   811.1 730.0
75 - 7400.0 3700.0 2466.7 1850.0 1480.0 1233.3 1057.1   925.0   822.2 740.0
k\n         1          2          3         4          5          6          7           8         9       10
76 - 7500.0 3750.0 2500.0 1875.0 1500.0 1250.0 1071.4   937.5   833.3 750.0
77 - 7600.0 3800.0 2533.3 1900.0 1520.0 1266.7 1085.7   950.0   844.4 760.0
78 - 7700.0 3850.0 2566.7 1925.0 1540.0 1283.3 1100.0   962.5   855.6 770.0
79 - 7800.0 3900.0 2600.0 1950.0 1560.0 1300.0 1114.3   975.0   866.7 780.0
80 - 7900.0 3950.0 2633.3 1975.0 1580.0 1316.7 1128.6   987.5   877.8 790.0
81 - 8000.0 4000.0 2666.7 2000.0 1600.0 1333.3 1142.9 1000.0   888.9 800.0
82 - 8100.0 4050.0 2700.0 2025.0 1620.0 1350.0 1157.1 1012.5   900.0 810.0
83 - 8200.0 4100.0 2733.3 2050.0 1640.0 1366.7 1171.4 1025.0   911.1 820.0
84 - 8300.0 4150.0 2766.7 2075.0 1660.0 1383.3 1185.7 1037.5   922.2 830.0
85 - 8400.0 4200.0 2800.0 2100.0 1680.0 1400.0 1200.0 1050.0   933.3 840.0
86 - 8500.0 4250.0 2833.3 2125.0 1700.0 1416.7 1214.3 1062.5   944.4 850.0
87 - 8600.0 4300.0 2866.7 2150.0 1720.0 1433.3 1228.6 1075.0   955.6 860.0
88 - 8700.0 4350.0 2900.0 2175.0 1740.0 1450.0 1242.9 1087.5   966.7 870.0
89 - 8800.0 4400.0 2933.3 2200.0 1760.0 1466.7 1257.1 1100.0   977.8 880.0
90 - 8900.0 4450.0 2966.7 2225.0 1780.0 1483.3 1271.4 1112.5   988.9 890.0
91 - 9000.0 4500.0 3000.0 2250.0 1800.0 1500.0 1285.7 1125.0 1000.0 900.0
92 - 9100.0 4550.0 3033.3 2275.0 1820.0 1516.7 1300.0 1137.5 1011.1 910.0
93 - 9200.0 4600.0 3066.7 2300.0 1840.0 1533.3 1314.3 1150.0 1022.2 920.0
94 - 9300.0 4650.0 3100.0 2325.0 1860.0 1550.0 1328.6 1162.5 1033.3 930.0
95 - 9400.0 4700.0 3133.3 2350.0 1880.0 1566.7 1342.9 1175.0 1044.4 940.0
96 - 9500.0 4750.0 3166.7 2375.0 1900.0 1583.3 1357.1 1187.5 1055.6 950.0
97 - 9600.0 4800.0 3200.0 2400.0 1920.0 1600.0 1371.4 1200.0 1066.7 960.0
98 - 9700.0 4850.0 3233.3 2425.0 1940.0 1616.7 1385.7 1212.5 1077.8 970.0
99 - 9800.0 4900.0 3266.7 2450.0 1960.0 1633.3 1400.0 1225.0 1088.9 980.0
100-9900.0 4950.0 3300.0 2475.0 1980.0 1650.0 1414.3 1237.5 1100.0 990.0

k\n      11      12      13      14       15       16      17      18     1 9      20
2 -       9.1     8.3      7.7     7.1     6.7     6.3     5.9     5.6     5.3     5.0
3 -     18.2   16.7    15.4   14.3   13.3   12.5    11.8   11.1   10.5   10.0
4 -     27.3   25.0    23.1   21.4   20.0   18.8    17.6   16.7   15.8   15.0
5 -     36.4   33.3    30.8   28.6   26.7   25.0    23.5   22.2   21.1   20.0
6 -     45.5   41.7    38.5   35.7   33.3   31.3    29.4   27.8   26.3   25.0
7 -     54.5   50.0    46.2   42.9   40.0   37.5    35.3   33.3   31.6   30.0
8 -     63.6   58.3    53.8   50.0   46.7   43.8    41.2   38.9   36.8   35.0
9 -     72.7   66.7    61.5   57.1   53.3   50.0    47.1   44.4   42.1   40.0
10 -   81.8   75.0    69.2   64.3   60.0   56.3    52.9   50.0   47.4   45.0
11 -   90.9   83.3    76.9   71.4   66.7   62.5    58.8   55.6   52.6   50.0
12 - 100.0   91.7    84.6   78.6   73.3   68.8    64.7   61.1   57.9   55.0
13 - 109.1 100.0    92.3   85.7   80.0   75.0    70.6   66.7   63.2   60.0
14 - 118.2 108.3  100.0   92.9   86.7   81.3    76.5   72.2   68.4   65.0
15 - 127.3 116.7  107.7 100.0   93.3   87.5    82.4   77.8   73.7   70.0
16 - 136.4 125.0  115.4 107.1 100.0   93.8    88.2   83.3   78.9   75.0
17 - 145.5 133.3  123.1 114.3 106.7 100.0    94.1   88.9   84.2   80.0
18 - 154.5 141.7  130.8 121.4 113.3 106.3  100.0   94.4   89.5   85.0
19 - 163.6 150.0  138.5 128.6 120.0 112.5  105.9 100.0   94.7   90.0
20 - 172.7 158.3  146.2 135.7 126.7 118.8  111.8 105.6 100.0   95.0
21 - 181.8 166.7  153.8 142.9 133.3 125.0  117.6 111.1 105.3 100.0
22 - 190.9 175.0  161.5 150.0 140.0 131.3  123.5 116.7 110.5 105.0
23 - 200.0 183.3  169.2 157.1 146.7 137.5  129.4 122.2 115.8 110.0
24 - 209.1 191.7  176.9 164.3 153.3 143.8  135.3 127.8 121.1 115.0
25 - 218.2 200.0  184.6 171.4 160.0 150.0  141.2 133.3 126.3 120.0
k\n      11      12      13      14      15       16      17      18     1 9     20
26 - 227.3 208.3 192.3 178.6 166.7 156.3 147.1 138.9 131.6 125.0
27 - 236.4 216.7 200.0 185.7 173.3 162.5 152.9 144.4 136.8 130.0
28 - 245.5 225.0 207.7 192.9 180.0 168.8 158.8 150.0 142.1 135.0
29 - 254.5 233.3 215.4 200.0 186.7 175.0 164.7 155.6 147.4 140.0
30 - 263.6 241.7 223.1 207.1 193.3 181.3 170.6 161.1 152.6 145.0
31 - 272.7 250.0 230.8 214.3 200.0 187.5 176.5 166.7 157.9 150.0
32 - 281.8 258.3 238.5 221.4 206.7 193.8 182.4 172.2 163.2 155.0
33 - 290.9 266.7 246.2 228.6 213.3 200.0 188.2 177.8 168.4 160.0
34 - 300.0 275.0 253.8 235.7 220.0 206.3 194.1 183.3 173.7 165.0
35 - 309.1 283.3 261.5 242.9 226.7 212.5 200.0 188.9 178.9 170.0
36 - 318.2 291.7 269.2 250.0 233.3 218.8 205.9 194.4 184.2 175.0
37 - 327.3 300.0 276.9 257.1 240.0 225.0 211.8 200.0 189.5 180.0
38 - 336.4 308.3 284.6 264.3 246.7 231.3 217.6 205.6 194.7 185.0
39 - 345.5 316.7 292.3 271.4 253.3 237.5 223.5 211.1 200.0 190.0
40 - 354.5 325.0 300.0 278.6 260.0 243.8 229.4 216.7 205.3 195.0
41 - 363.6 333.3 307.7 285.7 266.7 250.0 235.3 222.2 210.5 200.0
42 - 372.7 341.7 315.4 292.9 273.3 256.3 241.2 227.8 215.8 205.0
43 - 381.8 350.0 323.1 300.0 280.0 262.5 247.1 233.3 221.1 210.0
44 - 390.9 358.3 330.8 307.1 286.7 268.8 252.9 238.9 226.3 215.0
45 - 400.0 366.7 338.5 314.3 293.3 275.0 258.8 244.4 231.6 220.0
46 - 409.1 375.0 346.2 321.4 300.0 281.3 264.7 250.0 236.8 225.0
47 - 418.2 383.3 353.8 328.6 306.7 287.5 270.6 255.6 242.1 230.0
48 - 427.3 391.7 361.5 335.7 313.3 293.8 276.5 261.1 247.4 235.0
49 - 436.4 400.0 369.2 342.9 320.0 300.0 282.4 266.7 252.6 240.0
50 - 445.5 408.3 376.9 350.0 326.7 306.3 288.2 272.2 257.9 245.0
k\n      11      12      13     14      15      16      17      18      1 9     20
51 - 454.5 416.7 384.6 357.1 333.3 312.5 294.1 277.8 263.2 250.0
52 - 463.6 425.0 392.3 364.3 340.0 318.8 300.0 283.3 268.4 255.0
53 - 472.7 433.3 400.0 371.4 346.7 325.0 305.9 288.9 273.7 260.0
54 - 481.8 441.7 407.7 378.6 353.3 331.3 311.8 294.4 278.9 265.0
55 - 490.9 450.0 415.4 385.7 360.0 337.5 317.6 300.0 284.2 270.0
56 - 500.0 458.3 423.1 392.9 366.7 343.8 323.5 305.6 289.5 275.0
57 - 509.1 466.7 430.8 400.0 373.3 350.0 329.4 311.1 294.7 280.0
58 - 518.2 475.0 438.5 407.1 380.0 356.3 335.3 316.7 300.0 285.0
59 - 527.3 483.3 446.2 414.3 386.7 362.5 341.2 322.2 305.3 290.0
60 - 536.4 491.7 453.8 421.4 393.3 368.8 347.1 327.8 310.5 295.0
61 - 545.5 500.0 461.5 428.6 400.0 375.0 352.9 333.3 315.8 300.0
62 - 554.5 508.3 469.2 435.7 406.7 381.3 358.8 338.9 321.1 305.0
63 - 563.6 516.7 476.9 442.9 413.3 387.5 364.7 344.4 326.3 310.0
64 - 572.7 525.0 484.6 450.0 420.0 393.8 370.6 350.0 331.6 315.0
65 - 581.8 533.3 492.3 457.1 426.7 400.0 376.5 355.6 336.8 320.0
66 - 590.9 541.7 500.0 464.3 433.3 406.3 382.4 361.1 342.1 325.0
67 - 600.0 550.0 507.7 471.4 440.0 412.5 388.2 366.7 347.4 330.0
68 - 609.1 558.3 515.4 478.6 446.7 418.8 394.1 372.2 352.6 335.0
69 - 618.2 566.7 523.1 485.7 453.3 425.0 400.0 377.8 357.9 340.0
70 - 627.3 575.0 530.8 492.9 460.0 431.3 405.9 383.3 363.2 345.0
71 - 636.4 583.3 538.5 500.0 466.7 437.5 411.8 388.9 368.4 350.0
72 - 645.5 591.7 546.2 507.1 473.3 443.8 417.6 394.4 373.7 355.0
73 - 654.5 600.0 553.8 514.3 480.0 450.0 423.5 400.0 378.9 360.0
74 - 663.6 608.3 561.5 521.4 486.7 456.3 429.4 405.6 384.2 365.0
75 - 672.7 616.7 569.2 528.6 493.3 462.5 435.3 411.1 389.5 370.0
k\n     11       12      13      14      15      16      17     18     1 9     20
76 - 681.8 625.0 576.9 535.7 500.0 468.8 441.2 416.7 394.7 375.0
77 - 690.9 633.3 584.6 542.9 506.7 475.0 447.1 422.2 400.0 380.0
78 - 700.0 641.7 592.3 550.0 513.3 481.3 452.9 427.8 405.3 385.0
79 - 709.1 650.0 600.0 557.1 520.0 487.5 458.8 433.3 410.5 390.0
80 - 718.2 658.3 607.7 564.3 526.7 493.8 464.7 438.9 415.8 395.0
81 - 727.3 666.7 615.4 571.4 533.3 500.0 470.6 444.4 421.1 400.0
82 - 736.4 675.0 623.1 578.6 540.0 506.3 476.5 450.0 426.3 405.0
83 - 745.5 683.3 630.8 585.7 546.7 512.5 482.4 455.6 431.6 410.0
84 - 754.5 691.7 638.5 592.9 553.3 518.8 488.2 461.1 436.8 415.0
85 - 763.6 700.0 646.2 600.0 560.0 525.0 494.1 466.7 442.1 420.0
86 - 772.7 708.3 653.8 607.1 566.7 531.3 500.0 472.2 447.4 425.0
87 - 781.8 716.7 661.5 614.3 573.3 537.5 505.9 477.8 452.6 430.0
88 - 790.9 725.0 669.2 621.4 580.0 543.8 511.8 483.3 457.9 435.0
89 - 800.0 733.3 676.9 628.6 586.7 550.0 517.6 488.9 463.2 440.0
90 - 809.1 741.7 684.6 635.7 593.3 556.3 523.5 494.4 468.4 445.0
91 - 818.2 750.0 692.3 642.9 600.0 562.5 529.4 500.0 473.7 450.0
92 - 827.3 758.3 700.0 650.0 606.7 568.8 535.3 505.6 478.9 455.0
93 - 836.4 766.7 707.7 657.1 613.3 575.0 541.2 511.1 484.2 460.0
94 - 845.5 775.0 715.4 664.3 620.0 581.3 547.1 516.7 489.5 465.0
95 - 854.5 783.3 723.1 671.4 626.7 587.5 552.9 522.2 494.7 470.0
96 - 863.6 791.7 730.8 678.6 633.3 593.8 558.8 527.8 500.0 475.0
97 - 872.7 800.0 738.5 685.7 640.0 600.0 564.7 533.3 505.3 480.0
98 - 881.8 808.3 746.2 692.9 646.7 606.3 570.6 538.9 510.5 485.0
99 - 890.9 816.7 753.8 700.0 653.3 612.5 576.5 544.4 515.8 490.0
100-900.0 825.0 761.5 707.1 660.0 618.8 582.4 550.0 521.1 495.0

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