zad2 |
104,06 zł |
|
|
|
|
|
|
|
|
|
|
|
|
|
zad3 |
1 489,85 zł |
|
|
|
|
|
|
|
|
|
|
|
|
|
zad3c |
102,53 zł |
|
lokata 6 miesieczna oprocentowana na 5% kapitalizacja miesieczna wartosc obecna 100 zl oblicz wartosc przyszla |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
pv=100zl |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
i=5% w skali roku |
|
i = |
|
|
|
|
|
|
|
|
|
|
|
|
m= 12 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
n = 0,5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
zad |
100,84 zł |
|
lok 2 miesieczna |
|
n= |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
zad4 |
-94,26 zł |
|
lok 2 lat i=3% FV=100 |
|
|
|
|
|
|
|
|
|
|
|
zad5 |
-94,18 zł |
|
|
|
|
zad5 a |
lok polroczna kapitalizacja miesieczna |
|
|
|
|
|
|
|
zad6 a |
-232,57 zł |
|
|
439 286 205,05 zł |
|
|
-98,51 zł |
|
|
|
|
|
|
|
zad6 b |
-217,63 zł |
|
|
|
|
|
|
|
|
|
|
|
|
|
zad6 c |
-209,87 zł |
|
|
|
|
|
|
|
|
|
|
|
|
|
zad6 d |
-1 000,00 zł |
|
|
353 208,31 zł |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
wplacasz miesiecznie 100 zl przez 30 lat na rachunek oprocentowany 3% rocznie kapitalizacja miesieczna jaka będzie wartosc przyszla tych platnosci po 30 latach |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
58 273,69 zł |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
splacasz kredyt rata 100 zl miesiecznie przez 30 lat oprocentowanie kredytu 9% kapitalizacja miesieczna |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
12 428,19 zł |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
zad10 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
55,4781076387804 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-15 000,00 zł |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
zad 11 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
lok 100 po jakim czasie nazbiera się 500 4% kapitalizacja miesieczna |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
483,63564636389 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
40,3029705303242 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
dzis |
|
za 15 lat |
|
|
|
|
|
|
|
|
|
|
|
a |
5 000,00 zł |
|
|
|
|
|
|
|
|
|
|
|
|
|
b |
9 313,82 zł |
|
|
|
|
|
|
|
|
|
|
|
|
|
c |
7 606,08 zł |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
cw1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
zalozono lokate na 123 zl po 6 latach wartosc lokaty wynosi 185 zl oblicz oprocentowanie lokaty przy zalozeniu miesiecznej kapitalizacji. |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1,50406504065041 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
0,00568514765255 |
0,068221771830599 |
oprocent 6,8% w skali roku |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1500 za 3 lata |
poprosilismy o weksel bank jest sklonny kupic weksel za 1020 zl oblicz stope dyskontowa banku zakladajac dzienna kapitalizacje odsetek |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
fv=1500 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
n=3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
pv =1020 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
0,000357158655611 |
oprocentowanie dzienne |
|
|
|
|
|
|
|
|
|
|
|
|
|
0,128577116019892 |
oproc roczne |
|
13% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
zad 25 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
slplata 10 lat w miesiecznych ratach |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
776,33 zł |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
zad 26 bez prowizji splata w ciagu 5 lat kapitalizacja kwartalna |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-4 032,94 zł |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
zad27 |
|
|
|
|
40000 |
|
|
|
|
|
|
|
|
|
|
pv =40000 |
|
|
1 |
-5841,94 |
|
|
|
|
|
|
|
|
|
|
pmt=5841,94 |
|
|
2 |
-5841,94 |
|
|
|
|
|
|
|
|
|
|
10 rocznych rat |
|
-5 841,95 zł |
3 |
-5841,94 |
|
|
|
|
|
|
|
|
|
|
|
|
|
4 |
-5841,94 |
|
|
7,5545% |
|
|
|
|
|
|
|
|
|
|
5 |
-5841,94 |
|
|
|
|
|
|
|
|
|
|
|
|
|
6 |
-5841,94 |
|
|
|
|
|
|
|
|
|
|
|
|
|
7 |
-5841,94 |
|
|
|
|
|
|
|
|
|
|
|
|
|
8 |
-5841,94 |
|
|
|
|
|
|
|
|
|
|
|
|
|
9 |
-5841,94 |
|
|
|
|
|
|
|
|
|
|
|
|
|
10 |
-5841,94 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
cw2 |
na 4 lata bank proponuje rate 453 zl oblicz efektywne oproc kredytu |
|
|
|
|
miesiecznie |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
15000 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
15000 |
|
|
1,631% |
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
1,631% |
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
0,195667365263552 |
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
-453 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
zad 36 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Oblicz moliw cen zakupu 10 letniej obligacji o wartoci nominalnej 1000 zł, o kuponie |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
odsetkowym 6% rocznie, po 2 latach od emisji, jeli podatek od dochodów z obligacji wynosi |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
20%, wymagana stopa zwrotu wynosi: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
a. 4% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
b. 6% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
c. 8% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
403,96 zł |
|
-60,10 zł |
|
|
|
|
|
|
|
|
|
|
|
|
730,69 zł |
|
|
|
|
|
|
|
|
|
|
|
|
|
suma= |
1 134,65 zł |
|
|
|
|
|
|
|
|
|
|
|
|
|
rok |
k0 |
wp |
|
|
|
|
|
|
|
|
|
|
|
|
1 |
0,06 |
-1150 |
|
|
|
|
|
|
|
|
|
|
|
|
2 |
0,06 |
60 |
-60 |
|
|
|
|
|
|
|
|
|
|
|
3 |
0,0625 |
62,5 |
-62,5 |
|
1 152,74 zł |
|
|
|
|
|
|
|
|
|
4 |
0,065 |
65 |
-65 |
|
|
|
|
|
|
|
|
|
|
|
5 |
0,0675 |
67,5 |
-67,5 |
|
|
|
|
|
|
|
|
|
|
|
6 |
0,0625 |
62,5 |
-62,5 |
|
|
|
|
|
|
|
|
|
|
|
7 |
0,0575 |
57,5 |
-57,5 |
|
|
|
|
|
|
|
|
|
|
|
8 |
0,055 |
55 |
-55 |
|
|
|
|
|
|
|
|
|
|
|
9 |
0,055 |
55 |
-55 |
|
|
|
|
|
|
|
|
|
|
|
10 |
0,0575 |
1057,5 |
-1057,5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
zakupiono obligacje po 1150 zl k0 zmienny w czasie wart nom 1000 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
pv =1150 |
|
4,034% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
44? |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Firma planuje otwarcie lokalu handlowego. W tym celu zawiera 5 letni umow wynajmu |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
lokalu. Zakupione wyposaenie o wartoci 300 tys. zł zamortyzuje si wg stawki 20%, |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
amortyzacja liniowa. Szacowane przychody ze sprzeday w pierwszym roku 1,2 mln zł, w |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
nastpnych latach bd rosły rednio o 12%, szacowane koszty operacyjne (bez amortyzacji i |
|
|
|
|
|
|
%kred |
0,19 |
0,18 |
0,17 |
0,16 |
0,15 |
|
|
kosztów finansowych) w pierwszym roku 0,9 mln zł, w nastpnych latach bd rosły rednio o |
|
|
|
|
|
|
infl |
0,09 |
0,08 |
0,07 |
0,06 |
0,05 |
|
|
11% rocznie. Dodatkowo konieczne bdzie zacignicie kredytu obrotowego w wysokoci |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
200 tys. zł, oprocentowanie zmienne: 10 pkt % plus stopa inflacji. Inflacja w pierwszym roku |
|
|
|
|
|
|
podetek =20% |
|
|
|
|
|
|
|
wynosi 9%, oczekuje si, e w kolejnych latach bdzie spada o 1 pkt.%. Spłata kapitału |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
nastpi po 5 latach. Zakładajc podatek dochodowy 20% i wymagan stop zwrotu 22% oce, |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
czy firma powinna otworzy ten lokal. |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
n= |
5 |
|
0 |
1 |
2 |
3 |
4 |
5 |
|
|
|
|
|
|
i= |
300000 |
przychody |
|
1000000 |
1120000 |
1254400 |
1404928 |
1573519,36 |
|
|
|
|
|
|
st am= |
20% |
koszty op |
|
900000 |
999000 |
1108890 |
1230867,9 |
1366263,369 |
|
|
|
|
|
|
szacprzych= |
1200000 |
amortyzacja |
|
60000 |
60000 |
60000 |
60000 |
60000 |
|
|
|
|
|
|
|
|
zysk op |
|
40000 |
60999,9999999999 |
85510 |
114060,1 |
147255,991 |
|
|
|
|
|
|
|
|
koszty fin |
|
19000 |
18000 |
17000 |
16000 |
15000 |
|
|
|
|
|
|
|
|
zysk brutto |
|
21000 |
42999,9999999999 |
68510 |
98060,1000000001 |
132255,991 |
|
|
|
|
|
|
200000 |
|
podatek |
|
4200 |
8599,99999999998 |
13702 |
19612,02 |
26451,1982 |
|
|
|
|
|
|
|
|
zysk netto |
|
16800 |
34399,9999999999 |
54808 |
78448,0800000001 |
105804,7928 |
|
|
|
|
|
|
|
|
cash-flow |
-200000 |
76800 |
94399,9999999999 |
114808 |
138448,08 |
65804,7927999999 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
kredyt= |
100000 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
47 127,16 zł |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
\ |
|
|
|
|
|
|
|
|
|
irr |
|
|
38% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
47 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Rolnik planuje załoenie plantacji porzeczek. Posiada 2 ha ziemi i konieczny sprzt za |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
wyjtkiem maszyny do zbioru, której cena wynosi obecnie 200 000 zł. Dodatkowo konieczny |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
bdzie zakup 10000 sadzonek po 4 zł/sztuk. rednia wydajno plantacji to 20000 skrzynek |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
porzeczek rocznie, ale dopiero po 3 latach od zasadzenia i tylko przez nastpne 6 lat, potem |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
plantacj naley odnowi. Wszelkie koszty operacyjne zwizane z nawoeniem, zbiorem itd. |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
rolnik szacuje na 2 zł/skrzynk. Bank zgadza si udzieli 6-letniego kredytu na zakup |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
maszyny za 3 lata, oprocentowanego na 12%, którego spłata odbywa si bdzie w równych |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
rocznych ratach. Zakładajc, e cena maszyny do zbioru nie zmieni si, pomijajc kwestie |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
podatkowe i amortyzacj oblicz redni cen skrzynki porzeczek tak, aby rolnik zrealizował |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
20% stop zwrotu na inwestycji. Jak wpłynie na t cen moliwo odsprzedania maszyny do |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
zbioru po 6 latach uytkowania plantacji za 40 000 zł. |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
inwest= |
240000 |
|
lata |
0 |
1 |
2 |
3 |
4 |
5 |
6 |
7 |
8 |
9 |
|
|
|
|
przychody |
|
0 |
0 |
0 |
109600 |
109600 |
109600 |
109600 |
109600 |
109600 |
|
|
|
|
koszty op |
|
0 |
0 |
0 |
40000 |
40000 |
40000 |
40000 |
40000 |
40000 |
|
|
|
|
rata kred |
|
|
|
|
-48645,1436849258 |
-48645,1436849258 |
-48645,1436849258 |
-48645,1436849258 |
-48645,1436849258 |
-48645,1436849258 |
cena skrzynki = |
|
5,48 |
|
cash-flow |
-40000 |
0 |
0 |
0 |
20954,8563150742 |
20954,8563150742 |
20954,8563150742 |
20954,8563150742 |
20954,8563150742 |
20954,8563150742 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
pv rata kredytu |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
pv =200000 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
i= 12% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
n=6 |
PMT= |
-48 645,14 zł |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
npv= |
272,76 zł |
|
|
|
|
|
|
|
|
|
|
|
|
|
irr= |
20% |
|
|
|
|
|
|
|
|
|
|
|
|