Topics of Financial Calculus

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 Math

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The teaching of the course is based on recent bibliography and on experience gained through practice. The course’s pedagogy is strongly interactive. It seeks substantial student participation and know-how-based learning. Emphasis is placed on helping students report concepts, ideas and theories to current practice.

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The proposed contents allow the student to know the main calculation procedures present in the scope of basic financial operations. In addition, they make it possible to apply these procedures to real-life situations, especially the calculation of civil and commercial interest to demand the fulfillment of pecuniary obligations (topics 1 and 2 and 3) and the assessment of insolvency proceedings and recovery plans of companies (topics 3, 4 and 5), with which the solicitor is supposed to come across in the exercise of his/her activity.

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1. 1.    CAPITALIZATION AND DISCOUNT OPERATIONS

1.1    Simple and compound interest

1.2    Calculation of interest in banking practice

1.3    Forms discount

1. 2.    INTEREST RATES

2.1   Proportional and equivalent rates

2.2   Nominal and effective interest rates

2.3   Average rate of application

2.4   Annual effective rate of charge

1. 3.    EQUIVALENT CAPITALS  

3.1   Equation of equivalence

3.2   Assessment rate

1. 4.    FINANCIAL ANNUITIES

4.1   Concept, characteristics and classification

4.2   Constant terms amortization annuities

4.3    Constant terms accumulation annuities

4.4    Anticipated and deferred annuities

1. 5.    SOURCES LONG-TERM FINANCING

5.1     Classic Loans: Notion and Characteristics

5.2     Loan Repayment System: One-Time Repayments and Periodic Repayments

5.3     Construction of amortization tables

5.4     Other sources of long-termfunding

NAO

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FUNDAMENTAL

1. Ana Paula Quelhas e Fernando Correia. (2017). Manual de Matemática Financeira, Coimbra, Editora Almedina

ADDITIONAL

1. Alves Mateus. (2004). Exercícios Práticos de Cálculo Financeiro, Edições Sílabo 3ª Edição.

2. Azevedo Rodrigues e Isabel Nicolau. (2010). Elementos de Cálculo Financeiro, Rei dos Livros, 9ª Edição.

3. Fernanda Matias, Ana Martins, Carlos Monteiro  e Telma Correia . (2020). Matemática Financeira – Teoria e Prática. Edições Sílabo

4. Natália Canadas. (1998). A Matemática do Financiamento e das Aplicações de Capital, Plátano Editora

5. Rogério Matias. (2018). Cálculo Financeiro – Teoria e Prática, Escolar Editora, 6ª Edição.