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{"sheet":"Sheet1","index":0,"n_rows":144,"n_cols":27,"rows_kept":144,"cut":false,"hidden":false,"merged":[[0,2,0,3],[18,13,18,15],[19,13,19,15],[20,13,20,15],[17,13,17,15],[85,1,112,1],[58,1,83,1],[24,1,27,1],[29,1,32,1],[22,4,22,14],[54,1,56,1],[48,1,50,1]]}
[null,"Autor - click aici: ","Lilian Iordache"]
[null,"Ipoteze:"]
[null,"Cu privire la Cont Junior Centenar:"]
[null,null,"Depuneri minimale anuale",null,1200]
[null,null,"Rata dobanzii cont Junior Centenar - fixa (nu se poate schimba) calculata si platita la scadenta:",null,0.03]
[null,null,"Dobanda simpla sau compusa ? (Calculata si platita doar la scadenta in 15 zile de la scadenta):",null,"Simpla","Selectati modul de calcul al dobanzii. Pana la noi clarificari oficiale si in baza OUG 104/2018 scenariul principal este ca dobanda se calculeaza in modul simplu."]
[null,null,"Prima de stat anuala platita la scadenta (nr. de ani x prima - cu exceptia ultimului an):",null,600,"Totusi pentru a vedea care sunt rezultatele si in cazul in care dobanda se calculeaza in modul \"compus\" (putin probabil) selectati aceasta optiune. "]
[null,null,"Orizont economisire - Ani",null,18]
[null,"Cu privire la dobanda de piata si inflatie:"]
[null,null,"Nr. perioade de compunere dobanda pe an",null,1]
[null,null,"Rata nominala a dobanzii pe piata - (la momentul prezent poate fi diferita si se poate schimba in viitor):",null,0.03,"Introduceti dobanda de piata anuala (oferita la depozite economii alternative)"]
[null,null,"Rata estimata medie anuala a inflatiei",null,2.5000000000000001E-2,"Introduceti inflatia medie anuala estimata pentru orizontul de economisire"]
[null,null,"Dobanda reala (ajustata cu inflatia-calcul)",null,{"$f":"(1+$E$11)/(1+$E$12)-1","v":4.8780487804878092E-3}]
[null,null,"Comisioane bancare (administrare, retragere etc. - Ipoteza = 0 RON)",null,0]
[null,null,"Impozit pe dobanzi retinut la sursa",null,0.1]
[]
[null,"Note/Riscuri:"]
[null,"1. Cu cat rata dobanzii de piata/curenta la instrumente de economisire alternative este mai mica, cu atat mai avantajos contul Junior Centenar si invers. ",null,null,null,null,null,null,null,null,null,null,null,"PORTAL VOX CERNICA"]
[null,"2. Cu cat inflatia este mai mare, cu atat castigul in termeni reali este mai mic",null,null,null,null,null,null,null,null,null,null,null,"www.voxcernica.ro"]
[null,"3. Celulele marcate cu galben pot fi schimbate pentru diferite scenarii cu privire la dobanda curenta/estimata/de piata/nominala la depozite bancare alternative, inflatia previzionata si comisioane bancare, dobanda simpla sau compusa",null,null,null,null,null,null,null,null,null,null,null,"Versiune 1.5 - 10 Aprilie 2019"]
[null,"4. Calculele prezentate au doar un scop ilustrativ si nu reprezinta recomandari de investitie in vreunul din scenariile prezentate. Autorul nu garanteaza validitatea/corectitudinea ipotezelor, calculelor si rezultatelor. ",null,null,null,null,null,null,null,null,null,null,null,"Simulare randament Cont Junior Centenar"]
[]
[null,"Rezultate",null,null,"RON",null,null,null,null,null,null,null,null,null,null,"%"]
[null,null,"#","Scenarii:","Total depuneri","Dobanzi","Prima de stat","Impozit","Comisioane","Depuneri rambursate","Economii totale la scadenta","Castig/pierdere nominala","Castig/pierdere neta nominala (include inflatia)","Impact inflatie","Castig/pierdere actualizata neta (VAN) ","Randament la maturitate (nominal)"]
[null,"Nominale ",1,"Caz 1. Banii se tin la \"saltea\"",{"$f":"-AA41","v":-21600},0,0,0,0,{"$f":"AA60","v":21600},{"$f":"AA60","v":21600},{"$f":"SUM(F25:I25)","v":0},{"$f":"K25+E25","v":0},null,{"$f":"NPV($E$11,H61:Z61)*(1+$E$11)","v":-4311.6186416974597},{"$f":"IRR(H61:Z61)","v":-2.2204460492503131E-16}]
[null,null,2,"Caz 2. Banii se economisesc in contul Junior Centenar",{"$f":"-AA41","v":-21600},{"$f":"AA65","v":6156},{"$f":"AA66","v":10200},0,0,{"$f":"AA64","v":21600},{"$f":"SUM(AA64:AA66)","v":37956},{"$f":"SUM(F26:I26)","v":16356},{"$f":"K26+E26","v":16356},null,{"$f":"NPV($E$11,H67:Z67)*(1+$E$11)","v":5295.8075604744517},{"$f":"IRR(H67:Z67)","v":5.6622696496182456E-2}]
[null,null,3,"Caz 3. Banii economisiti la banca cu 3% dobanda simpla",{"$f":"-AA41","v":-21600},{"$f":"AA71","v":6156},0,{"$f":"AA73","v":-615.6},{"$f":"AA74","v":0},{"$f":"AA72","v":21600},{"$f":"SUM(AA71:AA74)","v":27140.400000000001},{"$f":"SUM(F27:I27)","v":5540.4},{"$f":"K27+E27","v":5540.4000000000015},null,{"$f":"NPV($E$11,H75:Z75)*(1+$E$11)","v":-431.16186416974961},{"$f":"IRR(H75:Z75)","v":2.7000000000000801E-2}]
[null,null,4,"Caz 4. Banii economisiti la banca cu 3% dobanda compusa",{"$f":"-AA41","v":-21600},{"$f":"AA79","v":7340.2421230840264},0,{"$f":"AA81","v":-734.02421230840264},{"$f":"AA74","v":0},{"$f":"AA80","v":21600},{"$f":"SUM(AA79:AA82)","v":28206.217910775624},{"$f":"SUM(F28:I28)","v":6606.2179107756237},{"$f":"K28+E28","v":6606.2179107756237},null,{"$f":"NPV($E$11,H83:Z83)*(1+$E$11)","v":274.5872324887132},{"$f":"IRR(H83:Z83)","v":3.1892431556424183E-2}]
[null,null,"#","Scenarii:","Total depuneri","Dobanzi","Prima de stat","Impozit","Comisioane","Depuneri rambursate","Economii totale la scadenta","Castig / pierdere reala ","Castig / pierdere  neta reala (exclude inflatia)","Impact inflatie","Castig/pierdere actualizata neta (VAN) ","Randament la maturitate (real)"]
[null,"Reale                (ajustare la inflatie)",1,"Caz 1. Banii se tin la \"saltea\"",{"$f":"AA91","v":-17654.63726041995},0,0,0,0,{"$f":"AA92","v":13849.183641766866},{"$f":"SUM(F30:J30)","v":13849.183641766866},{"$f":"SUM(F30:I30)","v":0},{"$f":"K30+E30","v":-3805.453618653084},{"$f":"M30-L30","v":-3805.453618653084},{"$f":"NPV($E$13,H93:Z93)*(1+$E$13)","v":-4311.6186416974524},{"$f":"IRR(H93:Z93)","v":-2.4390243902441933E-2}]
[null,null,2,"Caz 2. Banii se economisesc in contul Junior Centenar",{"$f":"AA95","v":-17654.63726041995},{"$f":"AA97","v":3947.0173379035564},{"$f":"AA98","v":6539.8922752787976},0,0,{"$f":"AA96","v":13849.183641766866},{"$f":"SUM(F31:J31)","v":24336.093254949221},{"$f":"SUM(F31:I31)","v":10486.909613182353},{"$f":"K31+E31","v":6681.4559945292713},{"$f":"M31-L31","v":-3805.4536186530822},{"$f":"NPV($E$13,H99:Z99)*(1+$E$13)","v":5295.8075604744736},{"$f":"IRR(H99:Z99)","v":3.0851411215792934E-2}]
[null,null,3,"Caz 3. Banii economisiti la banca cu 3% dobanda simpla",{"$f":"AA101","v":-17654.63726041995},{"$f":"AA102","v":4566.5443423837141},0,{"$f":"AA104","v":-456.65443423837138},{"$f":"AA105","v":0},{"$f":"AA103","v":13849.183641766866},{"$f":"SUM(F32:J32)","v":17959.073549912209},{"$f":"SUM(F32:I32)","v":4109.8899081453428},{"$f":"K32+E32","v":304.43628949225968},{"$f":"M32-L32","v":-3805.4536186530831},{"$f":"NPV($E$13,H106:Z106)*(1+$E$13)","v":-431.16186416973869},{"$f":"IRR(H106:Z106)","v":1.9512195121809128E-3}]
[null,null,4,"Caz 4. Banii economisiti la banca cu 3% dobanda compusa",{"$f":"AA108","v":-17654.63726041995},{"$f":"AA109","v":5405.156381865715},0,{"$f":"AA111","v":-540.51563818657155},{"$f":"AA112","v":0},{"$f":"AA110","v":13849.183641766866},{"$f":"SUM(F33:J33)","v":18713.824385446009},{"$f":"SUM(F33:I33)","v":4864.6407436791433},{"$f":"K33+E33","v":1059.1871250260592},{"$f":"M33-L33","v":-3805.453618653084},{"$f":"NPV($E$13,H113:Z113)*(1+$E$13)","v":274.58723248872229},{"$f":"IRR(H113:Z113)","v":6.724323469682103E-3}]
[]
[null,"Calcule"]
[null,null,null,null,null,null,"Inceput an",null,"2019-01-01",{"$f":"DATE(YEAR(I36)+1,MONTH(I36),DAY(I36))","v":"2020-01-01"},"2021-01-01","2022-01-01","2023-01-01","2024-01-01","2025-01-01","2026-01-01","2027-01-01","2028-01-01","2029-01-01","2030-01-01","2031-01-01","2032-01-01","2033-01-01","2034-01-01","2035-01-01","2036-01-01"]
[null,null,null,null,null,null,"Sfarasit an",{"$f":"I36","v":"2019-01-01"},"2019-12-31",{"$f":"DATE(YEAR(I37)+1,MONTH(I37),DAY(I37))","v":"2020-12-31"},{"$f":"DATE(YEAR(J37)+1,MONTH(J37),DAY(J37))","v":"2021-12-31"},{"$f":"DATE(YEAR(K37)+1,MONTH(K37),DAY(K37))","v":"2022-12-31"},"2023-12-31","2024-12-31","2025-12-31","2026-12-31","2027-12-31","2028-12-31","2029-12-31","2030-12-31","2031-12-31","2032-12-31","2033-12-31","2034-12-31","2035-12-31","2036-12-31"]
[null,null,null,"Numar ani cumulati",null,null,null,0,1,{"$f":"I38+1","v":2},{"$f":"J38+1","v":3},{"$f":"K38+1","v":4},5,{"$f":"M38+1","v":6},7,8,{"$f":"P38+1","v":9},{"$f":"Q38+1","v":10},{"$f":"R38+1","v":11},12,13,14,15,16,17,{"$f":"Y38+1","v":18},"Total"]
[null,null,null,"Investitiile sunt considerate a fi facute la inceputul anului iar dobanzile, primele, comisioanele si impozitul  sunt platite la sfarsitul perioadei"]
[null,null,null,"Prima de stat acordata la majorat - 6.000 ron / an cu exceptia ultimului an",null,null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"E7*E8-E7","v":10200},{"$f":"Z40","v":10200}]
[null,null,null,"Sume minime anuale depuse: 1.200 lei / pe an. Pentru sumele suplimentare se calculeaza dobanda dar nu se suplimenteaza prima:","La inceputul anului","RON",null,{"$f":"E4","v":1200},{"$f":"H41","v":1200},{"$f":"I41","v":1200},{"$f":"J41","v":1200},1200,1200,1200,1200,1200,1200,1200,1200,1200,1200,1200,1200,1200,1200,null,{"$f":"SUM(H41:Y41)","v":21600}]
[null,null,null,"Scenarii dobanda:","Cumulat la sfarsitul anului","RON",null,{"$f":"+H41+G42","v":1200},{"$f":"+I41+H42","v":2400},{"$f":"+J41+I42","v":3600},{"$f":"+K41+J42","v":4800},6000,{"$f":"+M41+L42","v":7200},8400,9600,{"$f":"+P41+O42","v":10800},12000,{"$f":"+R41+Q42","v":13200},14400,15600,16800,18000,19200,20400,21600,null,{"$f":"Y42","v":21600}]
[]
[null,null,null,"Simpla sau compusa calculata si platita la sfarsitul perioadei de 18 ani conform Junior Centenar:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total"]
[null,null,null,{"$f":"E6","v":"Simpla"},"Nominala",null,{"$f":"$E$5","v":0.03},null,{"$f":"IF($E$6=\"Simpla\",$G$45*H42,$E$4*(1+$G$45)^I38-H41)","v":36},72,108,144,180,216,252,288,324,360,396,432,468,504,540,576,612,648,{"$f":"SUM(I45:Z45)","v":6156}]
[null,null,null,null,"Reala",null,{"$f":"(1+$E$5)/(1+$E$12)-1","v":4.8780487804878092E-3},null,{"$f":"IF(E6=\"Simpla\",H42/I$90*(1+$G$46)-H42/I$90,$E$4*(1+$G$46)^I38-H41)","v":5.7108863771563847},11.735871505056366,17.646778195324941,23.586518576765457,29.555233301530052,35.553063707879119,41.580151823527103,47.636640369007637,53.722672761051626,59.838393115983536,65.983946253134718,72.159477698271758,78.365133687043908,84.601061168443948,90.867407808289954,97.164321992720716,103.49195283170957,109.85045016259596,{"$f":"SUM(I46:Z46)","v":1029.0499613354928}]
[]
[null,null,null,"Dobanda de piata simpla si compusa"]
[null,"Nominala",null,"Simpla-cumulata la sf. anului:","Nominala","RON",{"$f":"$E$11","v":0.03},null,{"$f":"H42*(1+$G$49)-H42","v":36},72,108,144,180,216,252,288,324,360,396,432,468,504,540,576,612,648,{"$f":"SUM(I49:Z49)","v":6156}]
[null,null,null,"Compusa-cumulata la sf. anului:","Nominala",null,{"$f":"$E$11","v":0.03},null,{"$f":"$E$4*(1+$G$49)^I38-H41","v":36},{"$f":"$E$4*(1+$G$49)^J38-I41+I50","v":109.07999999999993},220.35239999999999,370.96297199999981,562.09186115999955,794.95461699479938,1070.8032555046434,1390.9273531697825,1756.6551737648758,2169.3548289778219,2630.4354738471566,3141.3485380625707,3703.5889942044473,4318.69666403058,4988.2575639514971,5713.9052908700414,6497.3224495961422,7340.2421230840264,{"$f":"Z50","v":7340.2421230840264}]
[null,null,null,"Compusa-flux platit anual","Nominala","RON",{"$f":"$E$11","v":0.03},null,{"$f":"I50","v":36},{"$f":"J50-SUM($I$51:I51)","v":73.079999999999927},{"$f":"K50-SUM($I$51:J51)","v":111.27240000000006},{"$f":"L50-SUM($I$51:K51)","v":150.61057199999982},{"$f":"M50-SUM($I$51:L51)","v":191.12888915999974},{"$f":"N50-SUM($I$51:M51)","v":232.86275583479983},{"$f":"O50-SUM($I$51:N51)","v":275.84863850984402},{"$f":"P50-SUM($I$51:O51)","v":320.12409766513906},{"$f":"Q50-SUM($I$51:P51)","v":365.72782059509336},{"$f":"R50-SUM($I$51:Q51)","v":412.69965521294603},{"$f":"S50-SUM($I$51:R51)","v":461.08064486933472},{"$f":"T50-SUM($I$51:S51)","v":510.91306421541412},{"$f":"U50-SUM($I$51:T51)","v":562.24045614187662},{"$f":"V50-SUM($I$51:U51)","v":615.10766982613268},{"$f":"W50-SUM($I$51:V51)","v":669.56089992091711},{"$f":"X50-SUM($I$51:W51)","v":725.64772691854432},{"$f":"Y50-SUM($I$51:X51)","v":783.41715872610075},{"$f":"Z50-SUM($I$51:Y51)","v":842.91967348788421},{"$f":"SUM(I51:Z51)","v":7340.2421230840264}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total"]
[null,null,null,"Dobanda de piata simpla si compusa"]
[null,"Reala                (ajustare la inflatie)",null,"Simpla-cumulata la sf. anului:",null,{"$f":"(1+$E$11)/(1+$E$12)-1","v":4.8780487804878092E-3},null,null,{"$f":"H42/I$90*(1+$F$55)-H42/I$90","v":5.7108863771563847},11.143192931036992,16.307111606395665,21.21250290262833,25.868905978814837,30.285548463002669,34.471355974149446,38.434961364905575,42.184713693190133,45.728686930286131,49.074688412991236,52.230267047085363,55.20272126927739,57.999106774474058,60.626244015131306,63.090725479160028,65.398922752787257,67.556993374471858,{"$f":"SUM(I55:Z55)","v":742.52753534694466}]
[null,null,null,"Compusa-cumulata la sf. anului:",null,{"$f":"(1+$E$11)/(1+$E$12)-1","v":4.8780487804878092E-3},null,null,{"$f":"$E$4*(1+$F$56)^I38-H41","v":5.8536585365852716},{"$f":"$E$4*(1+$F$56)^J38-I41+I56","v":17.589530041641638},35.236308236966579,58.822826813732036,88.378060115262087,123.93112382314121,165.51127564666831,213.14791601567595,266.87058877672757,326.70898189271111,392.69292814584583,464.85240584411758,543.21753953116149,627.81860069960544,718.68600850789539,815.85033050061611,919.34228333232568,1029.1927334949216,{"$f":"Z56","v":1029.1927334949216}]
[null,null,null,"Compusa-flux platit anual",null,"RON",null,null,{"$f":"I56","v":5.8536585365852716},{"$f":"J56-SUM($I$57:I57)","v":11.735871505056366},{"$f":"K56-SUM($I$57:J57)","v":17.646778195324941},{"$f":"L56-SUM($I$57:K57)","v":23.586518576765457},{"$f":"M56-SUM($I$57:L57)","v":29.555233301530052},{"$f":"N56-SUM($I$57:M57)","v":35.553063707879119},{"$f":"O56-SUM($I$57:N57)","v":41.580151823527103},{"$f":"P56-SUM($I$57:O57)","v":47.636640369007637},{"$f":"Q56-SUM($I$57:P57)","v":53.722672761051626},{"$f":"R56-SUM($I$57:Q57)","v":59.838393115983536},{"$f":"S56-SUM($I$57:R57)","v":65.983946253134718},{"$f":"T56-SUM($I$57:S57)","v":72.159477698271758},{"$f":"U56-SUM($I$57:T57)","v":78.365133687043908},{"$f":"V56-SUM($I$57:U57)","v":84.601061168443948},{"$f":"W56-SUM($I$57:V57)","v":90.867407808289954},{"$f":"X56-SUM($I$57:W57)","v":97.164321992720716},{"$f":"Y56-SUM($I$57:X57)","v":103.49195283170957},{"$f":"Z56-SUM($I$57:Y57)","v":109.85045016259596},{"$f":"SUM(I57:Z57)","v":1029.1927334949216}]
[null,"Fluxuri nominale"]
[null,"Nominale",1," Caz 1. Banii se tin la \"saltea\" ",null,null,"Sume economisite",{"$f":"-H41","v":-1200},-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,null,{"$f":"SUM(H59:Z59)","v":-21600}]
[null,null,null,null,null,null,"Depuneri rambursate",null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"Y42","v":21600},{"$f":"SUM(H60:Z60)","v":21600}]
[null,null,null,null,null,null,"Total flux annual nominal",{"$f":"H59+H60","v":-1200},{"$f":"I59+I60","v":-1200},-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,21600,{"$f":"SUM(AA59:AA60)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total"]
[null,null,2,"Caz 2. Banii se economisesc in contul Junior Centenar",null,null,"Sume economisite",{"$f":"-H41","v":-1200},-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,null,{"$f":"SUM(H63:Y63)","v":-21600}]
[null,null,null,"cu dobanda simpla calculata si platita la sfarsitul perioadei",null,null,"Depuneri rambursate",null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"AA41","v":21600},{"$f":"SUM(H64:Z64)","v":21600}]
[null,null,null,"de economisire +prima de stat",null,null,{"$f":"IF(E6=\"Simpla\",\"Dobanda Simpla\",\"Dobanda Compusa\")","v":"Dobanda Simpla"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AA45","v":6156},{"$f":"SUM(H65:Z65)","v":6156}]
[null,null,null,null,null,null,"Prima de stat",null,{"$f":"I40","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,10200,{"$f":"SUM(H66:Z66)","v":10200}]
[null,null,null,null,null,null,"Total flux annual nominal",{"$f":"SUM(H63:H66)","v":-1200},{"$f":"SUM(I63:I66)","v":-1200},-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,37956,16356]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total"]
[null,null,3,"Caz 3. Banii economisiti la banca cu 3% dobanda simpla",null,null,"Sume economisite",{"$f":"-H41","v":-1200},-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,null,{"$f":"SUM(H70:Z70)","v":-21600}]
[null,null,null,null,null,null,"Dobanda simpla",null,{"$f":"I49","v":36},72,108,144,180,216,252,288,324,360,396,432,468,504,540,576,612,648,{"$f":"SUM(H71:Z71)","v":6156}]
[null,null,null,null,null,null,"Depuneri rambursate",null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"Y42","v":21600},{"$f":"SUM(H72:Z72)","v":21600}]
[null,null,null,null,null,null,"Impozit",null,{"$f":"IF(I71>0,-$E$15*I$71,0)","v":-3.6},-7.2,-10.8,-14.4,-18,-21.6,-25.200000000000003,-28.8,-32.4,-36,-39.6,-43.2,-46.800000000000004,-50.400000000000006,-54,-57.6,-61.2,-64.8,{"$f":"SUM(H73:Z73)","v":-615.6}]
[null,null,null,null,null,null,"Comisioane bancare",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"SUM(H74:Z74)","v":0}]
[null,null,null,null,null,null,"Total flux annual nominal",{"$f":"SUM(H70:H74)","v":-1200},{"$f":"SUM(I70:I74)","v":-1167.5999999999999},-1135.2,-1102.8,-1070.4000000000001,-1038,-1005.6,-973.2,-940.8,-908.4,-876,-843.6,-811.2,-778.8,-746.4,-714,-681.6,{"$f":"SUM(Y70:Y74)","v":-649.20000000000005},{"$f":"SUM(Z70:Z74)","v":22183.200000000001},{"$f":"SUM(AA70:AA74)","v":5540.4}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total"]
[null,null,4,"Caz 4. Banii economisiti la banca cu 3% dobanda compusa",null,null,"Sume economisite",{"$f":"-H41","v":-1200},-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,null,{"$f":"SUM(H78:Z78)","v":-21600}]
[null,null,null,null,null,null,"Dobanda compusa anual",null,{"$f":"I51","v":36},73.079999999999927,111.27240000000006,150.61057199999982,191.12888915999974,232.86275583479983,275.84863850984402,320.12409766513906,365.72782059509336,412.69965521294603,461.08064486933472,510.91306421541412,562.24045614187662,615.10766982613268,669.56089992091711,725.64772691854432,783.41715872610075,842.91967348788421,{"$f":"SUM(H79:Z79)","v":7340.2421230840264}]
[null,null,null,null,null,null,"Depuneri rambursate",null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"AA41","v":21600},{"$f":"SUM(H80:Z80)","v":21600}]
[null,null,null,null,null,null,"Impozit",null,{"$f":"IF(I79>0,-$E$15*I$79,0)","v":-3.6},-7.3079999999999927,-11.127240000000008,-15.061057199999983,-19.112888915999974,-23.286275583479984,-27.584863850984405,-32.012409766513905,-36.572782059509336,-41.269965521294608,-46.108064486933472,-51.091306421541418,-56.224045614187666,-61.510766982613269,-66.956089992091719,-72.564772691854429,-78.341715872610081,-84.291967348788432,-734.02421230840264]
[null,null,null,null,null,null,"Comisioane bancare",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,"Total flux annual nominal",{"$f":"SUM(H78:H82)","v":-1200},{"$f":"SUM(I78:I82)","v":-1167.5999999999999},{"$f":"SUM(J78:J82)","v":-1134.2280000000001},-1099.85484,-1064.4504852000002,-1027.9839997560002,-990.42351974868018,-951.73622534114043,-911.88831210137482,-870.84496146441597,-828.57031030834855,-785.02741961759875,-740.17824220612727,-693.983589472311,-646.40309715648061,-597.39519007117462,-546.91704577331006,-494.9245571465093,22358.627706139097,6606.2179107756237]
[]
[null,"Fluxuri reale"]
[null,"Reale (ajustate la inflatie)",null,null,null,null,"Inceput an",null,"2019-01-01",{"$f":"DATE(YEAR(I86)+1,MONTH(I86),DAY(I86))","v":"2020-01-01"},"2021-01-01","2022-01-01","2023-01-01","2024-01-01","2025-01-01","2026-01-01","2027-01-01","2028-01-01","2029-01-01","2030-01-01","2031-01-01","2032-01-01","2033-01-01","2034-01-01","2035-01-01","2036-01-01"]
[null,null,null,null,null,null,"Sfarasit an",{"$f":"I86","v":"2019-01-01"},{"$f":"I37","v":"2019-12-31"},"2020-12-31","2021-12-31","2022-12-31","2023-12-31","2024-12-31","2025-12-31","2026-12-31","2027-12-31","2028-12-31","2029-12-31","2030-12-31","2031-12-31","2032-12-31","2033-12-31","2034-12-31","2035-12-31","2036-12-31"]
[null,null,null,null,null,null,null,0,1,{"$f":"I88+1","v":2},{"$f":"J88+1","v":3},{"$f":"K88+1","v":4},{"$f":"L88+1","v":5},{"$f":"M88+1","v":6},{"$f":"N88+1","v":7},{"$f":"O88+1","v":8},{"$f":"P88+1","v":9},{"$f":"Q88+1","v":10},{"$f":"R88+1","v":11},{"$f":"S88+1","v":12},{"$f":"T88+1","v":13},{"$f":"U88+1","v":14},{"$f":"V88+1","v":15},{"$f":"W88+1","v":16},{"$f":"X88+1","v":17},{"$f":"Y88+1","v":18}]
[null,null,null,null,null,null,"Indice inflatie",1,{"$f":"I90","v":1.0249999999999999},1.0506249999999999,1.0768906249999999,1.1038128906249998,1.1314082128906247,1.1596934182128902,1.1886857536682125,1.2184028975099177,1.2488629699476654,1.2800845441963571,1.312086657801266,1.3448888242462975,1.3785110448524549,1.4129738209737661,1.4482981664981105,1.4845056206605631,1.521618261177077]
[null,null,null,null,null,null,null,null,{"$f":"(1+$E$12)^I38","v":1.0249999999999999},1.0506249999999999,1.0768906249999999,1.1038128906249998,1.1314082128906247,1.1596934182128902,1.1886857536682125,1.2184028975099177,1.2488629699476654,1.2800845441963571,1.312086657801266,1.3448888242462975,1.3785110448524549,1.4129738209737661,1.4482981664981105,1.4845056206605631,1.521618261177077,1.559658717706504,"Total"]
[null,null,1," Caz 1. Banii se tin la \"saltea\" ",null,null,"Sume economisite",{"$f":"H59/H$89","v":-1200},-1170.7317073170732,-1142.177275431291,-1114.3192931036986,-1087.140773759706,-1060.6251451314206,-1034.7562391526055,-1009.518282100103,-984.89588497571026,-960.87403412264428,-937.4380820708725,-914.57373860572932,-892.26706205437006,-870.50445078475138,-849.27263491195265,-828.55866820678295,-808.34992020173956,-788.63406848950206,null,{"$f":"SUM(H91:Z91)","v":-17654.63726041995}]
[null,null,null,null,null,null,"Depuneri rambursate",null,{"$f":"I60/I$90","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,13849.183641766866,{"$f":"SUM(H92:Z92)","v":13849.183641766866}]
[null,null,null,null,null,null,"Total flux anual real",{"$f":"SUM(H91:H92)","v":-1200},{"$f":"SUM(I91:I92)","v":-1170.7317073170732},-1142.177275431291,-1114.3192931036986,-1087.140773759706,-1060.6251451314206,-1034.7562391526055,-1009.518282100103,-984.89588497571026,-960.87403412264428,-937.4380820708725,-914.57373860572932,-892.26706205437006,-870.50445078475138,-849.27263491195265,-828.55866820678295,-808.34992020173956,-788.63406848950206,13849.183641766866,-3805.453618653084]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total"]
[null,null,2,"Caz 2. Banii se economisesc in contul Junior Centenar",null,null,"Sume economisite",{"$f":"H63/H$89","v":-1200},-1170.7317073170732,-1142.177275431291,-1114.3192931036986,-1087.140773759706,-1060.6251451314206,-1034.7562391526055,-1009.518282100103,-984.89588497571026,-960.87403412264428,-937.4380820708725,-914.57373860572932,-892.26706205437006,-870.50445078475138,-849.27263491195265,-828.55866820678295,-808.34992020173956,-788.63406848950206,null,{"$f":"SUM(H95:Y95)","v":-17654.63726041995}]
[null,null,null,"cu dobanda simpla calculata si platita la sfarsitul perioadei",null,null,"Depuneri rambursate",null,{"$f":"H64/I$90","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"Z64/Z$90","v":13849.183641766866},{"$f":"SUM(H96:Z96)","v":13849.183641766866}]
[null,null,null,"de economisire +prima de stat",null,null,{"$f":"IF(E6=\"Simpla\",\"Dobanda Simpla\",\"Dobanda Compusa\")","v":"Dobanda Simpla"},null,{"$f":"I65/I$90","v":0},{"$f":"J65/J$90","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"Z65/Z$90","v":3947.0173379035564},3947.0173379035564]
[null,null,null,null,null,null,"Prima de stat",null,{"$f":"H66/I$90","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"Z66/Z$90","v":6539.8922752787976},6539.8922752787976]
[null,null,null,null,null,null,"Total flux anual real",{"$f":"SUM(H95:H98)","v":-1200},{"$f":"SUM(I95:I98)","v":-1170.7317073170732},{"$f":"SUM(J95:J98)","v":-1142.177275431291},-1114.3192931036986,-1087.140773759706,-1060.6251451314206,-1034.7562391526055,-1009.518282100103,-984.89588497571026,-960.87403412264428,-937.4380820708725,-914.57373860572932,-892.26706205437006,-870.50445078475138,-849.27263491195265,-828.55866820678295,-808.34992020173956,-788.63406848950206,24336.093254949221,6681.4559945292694]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total"]
[null,null,3,"Caz 3. Banii economisiti la banca cu 3% dobanda simpla",null,null,"Sume economisite",{"$f":"H70/H$89","v":-1200},-1170.7317073170732,-1142.177275431291,-1114.3192931036986,-1087.140773759706,-1060.6251451314206,-1034.7562391526055,-1009.518282100103,-984.89588497571026,-960.87403412264428,-937.4380820708725,-914.57373860572932,-892.26706205437006,-870.50445078475138,-849.27263491195265,-828.55866820678295,-808.34992020173956,-788.63406848950206,null,{"$f":"SUM(H101:Z101)","v":-17654.63726041995}]
[null,null,null,null,null,null,"Dobanda simpla",null,{"$f":"I71/I$90","v":35.121951219512198},68.530636525877455,100.28873637933287,130.45689285116472,159.0937717697131,186.256123047469,211.99883924102161,236.37501239417045,259.43598921311394,281.23142462126174,301.80933373989069,321.21614233957325,339.49673580605304,356.69450666302009,372.85140069305231,388.00796169683497,402.20337492964609,415.47550925300595,{"$f":"SUM(H102:Z102)","v":4566.5443423837141}]
[null,null,null,null,null,null,"Depuneri rambursate",null,{"$f":"I72/I$90","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,13849.183641766866,13849.183641766866]
[null,null,null,null,null,null,"Impozit",null,{"$f":"IF(I102>0,-$E$15*I$102,0)","v":-3.51219512195122},-6.8530636525877462,-10.028873637933287,-13.045689285116474,-15.909377176971311,-18.625612304746902,-21.199883924102163,-23.637501239417048,-25.943598921311395,-28.123142462126175,-30.18093337398907,-32.121614233957324,-33.949673580605307,-35.669450666302012,-37.285140069305235,-38.800796169683501,-40.22033749296461,-41.547550925300598,-456.65443423837138]
[null,null,null,null,null,null,"Comisioane bancare",null,{"$f":"I74/I$90","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,"Total flux anual real",{"$f":"SUM(H101:H105)","v":-1200},{"$f":"SUM(I101:I105)","v":-1139.1219512195121},-1080.4997025580012,-1024.0594303622988,-969.72957019365776,-917.4407505386788,-867.12572840988344,-818.71932678318353,-772.15837382095685,-727.38164383084177,-684.32979991173693,-642.94533823982772,-603.17253394875411,-564.95738855930369,-528.24757891523461,-492.99240758303586,-459.1427546745881,-426.6510310528206,14223.111600094571,304.4362894922578]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total"]
[null,null,4,"Caz 4. Banii economisiti la banca cu 3% dobanda compusa",null,null,"Sume economisite",{"$f":"H78/H$89","v":-1200},-1170.7317073170732,-1142.177275431291,-1114.3192931036986,-1087.140773759706,-1060.6251451314206,-1034.7562391526055,-1009.518282100103,-984.89588497571026,-960.87403412264428,-937.4380820708725,-914.57373860572932,-892.26706205437006,-870.50445078475138,-849.27263491195265,-828.55866820678295,-808.34992020173956,-788.63406848950206,null,{"$f":"SUM(H108:Z108)","v":-17654.63726041995}]
[null,null,null,null,null,null,"Dobanda compusa anual",null,{"$f":"I79/I$90","v":35.121951219512198},69.558596073765557,103.32748509162671,136.44574481705976,168.93008817010994,200.7968245552741,232.06186972342502,262.74075539329817,292.84863863840837,322.40031104511206,351.41020764740671,379.89241564390272,407.86068290229366,435.32842625649255,462.30873960150848,488.81440179098246,514.8578843422091,540.45135895332749,{"$f":"SUM(H109:Z109)","v":5405.156381865715}]
[null,null,null,null,null,null,"Depuneri rambursate",null,{"$f":"I80/I$90","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,13849.183641766866,13849.183641766866]
[null,null,null,null,null,null,"Impozit",null,{"$f":"IF(I109>0,-$E$15*I$109,0)","v":-3.51219512195122},-6.9558596073765564,-10.332748509162672,-13.644574481705977,-16.893008817010994,-20.079682455527411,-23.206186972342504,-26.274075539329818,-29.28486386384084,-32.24003110451121,-35.141020764740674,-37.989241564390277,-40.786068290229366,-43.532842625649259,-46.230873960150852,-48.881440179098249,-51.485788434220915,-54.045135895332749,-540.51563818657155]
[null,null,null,null,null,null,"Comisioane bancare",null,{"$f":"H82/I$90","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,"Total flux anual real",{"$f":"SUM(H108:H112)","v":-1200},{"$f":"SUM(I108:I112)","v":-1139.1219512195121},{"$f":"SUM(J108:J112)","v":-1079.5745389649021},-1021.3245565212345,-964.33960342435216,-908.58806577832172,-854.03909705285889,-800.66259934902041,-748.42920512174192,-697.31025934807678,-647.27780213027165,-598.30455172306324,-550.36388797485756,-503.42983617268709,-457.47705128110937,-412.48080256542534,-368.41695858985537,-325.26197258151387,14335.58986482486,1059.1871250260604]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,0,{"$f":"H136+1","v":1},{"$f":"I136+1","v":2},{"$f":"J136+1","v":3},4,5,6,7,8,9,10,11,12,13,14,15,16,17,{"$f":"Y136+1","v":18}]
[null,null,null,null,null,null,null,{"$f":"H108","v":-1200},-1170.7317073170732,-1142.177275431291,-1114.3192931036986,-1087.140773759706,-1060.6251451314206,-1034.7562391526055,-1009.518282100103,-984.89588497571026,-960.87403412264428,-937.4380820708725,-914.57373860572932,-892.26706205437006,-870.50445078475138,-849.27263491195265,-828.55866820678295,-808.34992020173956,-788.63406848950206,null,{"$f":"SUM(H137:Z137)","v":-17654.63726041995}]
[null,null,null,null,null,null,null,null,{"$f":"SUM(I109:I112)","v":31.609756097560979},62.602736466389004,92.994736582464043,122.80117033535379,152.03707935309893,180.7171420997467,208.85568275108253,236.46667985396834,263.56377477456755,290.16027994060084,316.26918688266602,341.90317407951244,367.07461461206429,391.79558363084328,416.07786564135762,439.9329616118842,463.37209590798818,14335.58986482486,{"$f":"SUM(H138:Z138)","v":18713.824385446009}]
[null,null,null,null,null,null,"PV Discount rate @",{"$f":"1/(1+$E$13)^H136","v":1},0.99514563106796117,0.99031482703365081,0.98550747350436119,0.98072345664268956,0.97596266316384161,0.97122498033294913,0.96651029596240101,0.96181849840918554,0.95714947657224769,0.95250311988985825,0.94787931833699479,0.94327796242273765,0.93869894318767577,0.9341421522013279,0.92960748155957396,0.92509482388210029,0.92060407230985708,0.91613512050252766,{"$f":"AA137+AA138","v":1059.1871250260592}]
[]
[null,null,null,null,null,null,"PV Outflows",{"$f":"H139*H137","v":-1200},{"$f":"I139*I137","v":-1165.0485436893205},-1131.1150909605055,-1098.1699912237916,-1066.184457498827,-1035.1305412609972,-1004.9811080203857,-975.70981361202519,-947.29108117672354,-919.70007881235301,-892.91269787607109,-866.90553191851552,-841.65585623156858,-817.14160799181423,-793.34136698234408,-770.23433687606212,-747.80032706413806,-726.01973501372629,0,{"$f":"SUM(H141:Z141)","v":-16999.342166209171}]
[null,null,null,null,null,null,"PV Inflows",{"$f":"H138*H139","v":0},{"$f":"I138*I139","v":31.456310679611654},61.996418135545248,91.647007898587731,120.43398825105588,148.38251286510274,175.51700278165325,201.86116774917809,227.43802694094944,252.2699290688831,276.37857191153694,299.78502127333707,322.50972939158908,344.57255280736814,365.99276971589131,386.78909681154522,406.97970564227683,426.5822384876476,13133.337348286137,{"$f":"SUM(H142:Z142)","v":17273.929398697896}]
[]
[null,null,null,null,null,null,"NPV",{"$f":"H141+H142","v":-1200},{"$f":"I141+I142","v":-1133.5922330097087},-1069.1186728249602,-1006.5229833252039,-945.75046924777109,-886.74802839589449,-829.46410523873249,-773.84864586284709,-719.85305423577415,-667.43014974346988,-616.53412596453416,-567.12051064517846,-519.1461268399795,-472.56905518444609,-427.34859726645277,-383.4452400645169,-340.82062142186123,-299.43749652607869,13133.337348286137,{"$f":"AA141+AA142","v":274.58723248872411}]

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["Simpla"]
["Compusa"]
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[null,null,null,null,null,null,null,"year",null,0,{"$f":"J66+1","v":1},{"$f":"K66+1","v":2},{"$f":"L66+1","v":3},{"$f":"M66+1","v":4},{"$f":"N66+1","v":5},{"$f":"O66+1","v":6},7,8,9,10,11,12,13,14,15,16,17,18]
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[null,null,null,null,null,null,null,"Inndex inflation",null,1,{"$f":"J68*(1+$D$86)","v":1.0249999999999999},{"$f":"K68*(1+$D$86)","v":1.0506249999999999},{"$f":"L68*(1+$D$86)","v":1.0768906249999999},{"$f":"M68*(1+$D$86)","v":1.1038128906249998},{"$f":"N68*(1+$D$86)","v":1.1314082128906247},{"$f":"O68*(1+$D$86)","v":1.1596934182128902},1.1886857536682123,1.2184028975099175,1.2488629699476652,1.2800845441963566,1.3120866578012655,1.3448888242462971,1.3785110448524545,1.4129738209737657,1.4482981664981096,1.4845056206605622,1.5216182611770761,1.5596587177065029]
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[]
[null,null,null,null,null,null,null,"Investment",null,{"$f":"-D81","v":-1200},{"$f":"J71","v":-1200},{"$f":"K71","v":-1200},-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200]
[null,null,{"$f":"D81+I83","v":3260.4380617239785}]
[null,null,null,null,null,null,null,"CF nominal",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"D81*D82*AB66","v":648}]
[null,null,null,null,null,null,null,"Prima",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10200]
[null,null,null,null,null,null,null,"Principal",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"D81*AB66","v":21600}]
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[null,null,null,null,null,null,null,"Total",null,{"$f":"SUM(J71:J76)","v":-1200},-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,-1200,32448]
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[null,null,null,null,null,null,null,"Discount rate",null,{"$f":"1/(1+$D$85)^J66","v":1},0.970873786407767,0.94259590913375435,0.91514165935315961,0.888487047915689,0.86260878438416411,0.83748425668365445,0.81309151134335378,0.78940923431393573,0.76641673234362695,0.74409391489672516,0.72242127659876232,0.70137988019297326,0.68095133999317792,0.66111780581861923,0.64186194739671765,0.62316693922011435,0.60501644584477121,0.5873946076162827]
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[null,null,"Investment",1200,null,null,null,"PV outflows",null,{"$f":"J77*J79","v":-1200}]
[null,null,"Coupon",0.03,null,null,null,"PV inflows",null,null,{"$f":"K77*K79","v":-1165.0485436893205},{"$f":"L77*L79","v":-1131.1150909605053},{"$f":"M77*M79","v":-1098.1699912237916},{"$f":"N77*N79","v":-1066.1844574988268},{"$f":"O77*O79","v":-1035.130541260997},{"$f":"P77*P79","v":-1004.9811080203854},-975.7098136120245,-947.29108117672286,-919.70007881235233,-892.91269787607018,-866.90553191851473,-841.6558562315679,-817.14160799181354,-793.34136698234306,-770.23433687606121,-747.80032706413726,-726.01973501372549,19059.780227933141]
[null,null,"CF real",{"$f":"D82*D81","v":36},"per year",null,null,"NPV 1",{"$f":"SUM(J81:AB81)+SUM(J82:AB82)","v":2060.4380617239785}]
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[null,null,"Interest rate",0.03,null,null,null,"NPV 2",{"$f":"NPV($D$85,J77:AB77)*(1+$D$85)","v":2060.4380617239694}]
[null,null,"Inflation annual",2.5000000000000001E-2,null,null,null,"IRR",{"$f":"IRR(J77:AB77)","v":4.1352736027035375E-2}]
[null,null,"Real rate",{"$f":"(1+$D$85)/(1+$D$86)-1","v":4.8780487804878092E-3}]
[null,null,null,null,null,null,null,"year",null,0,{"$f":"J88+1","v":1},{"$f":"K88+1","v":2},{"$f":"L88+1","v":3},{"$f":"M88+1","v":4},{"$f":"N88+1","v":5}]
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[null,null,null,null,null,null,null,"Inndex inflation",null,1,1,1,1,1,1]
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[]
[null,null,null,null,null,null,null,"Investment",null,{"$f":"-D81","v":-1200}]
[null,null,null,null,null,null,null,"CF nominal",null,null,{"$f":"$D$83*K$90","v":36},{"$f":"$D$83*L$90","v":36},{"$f":"$D$83*M$90","v":36},{"$f":"$D$83*N$90","v":36},{"$f":"$D$83*O$90+D81","v":1236}]
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[null,null,null,null,null,null,null,"Total",null,{"$f":"J93+J94","v":-1200},36,36,36,36,1236]
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[null,null,null,null,null,null,null,"Discount rate",null,{"$f":"1/(1+$D$87)^J88","v":1},0.99514563106796117,0.99031482703365081,0.98550747350436119,0.98072345664268956,0.97596266316384161]
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[null,null,null,null,null,null,null,"PV outflows",null,{"$f":"J96*J98","v":-1200}]
[null,null,null,null,null,null,null,"PV inflows",null,null,{"$f":"K96*K98","v":35.825242718446603},{"$f":"L96*L98","v":35.651333773211427},{"$f":"M96*M98","v":35.478269046157003},{"$f":"N96*N98","v":35.306044439136826},{"$f":"O96*O98","v":1206.2898516705081}]
[null,null,null,null,null,null,null,"NPV 1",{"$f":"SUM(J100:O100)+SUM(J101:O101)","v":148.55074164745997}]
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[null,null,null,null,null,null,null,"NPV 2",{"$f":"NPV($D$87,J96:O96)*(1+$D$87)","v":148.55074164746043}]
[null,null,null,null,null,null,null,"IRR",{"$f":"IRR(J96:O96)","v":3.0000000002057714E-2}]
[]
[null,null,"La un depozit constitutit pe 1 an, cu o rata a dobanzii de 7%, un impozit 16% si o rata a inflatiei de 5%, randamentul real net va fi de numai 0,83%. Acesta este procentul cu care puterea de cumparare a banilor a sporit pe perioada detinerii depozitulu"]
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[]
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[null,null,null,null,{"$f":"G117/100","v":{"$error":"#REF!"}},null,{"$f":"-#REF!*0.07","v":{"$error":"#REF!"}}]
[null,null,null,null,0.05]
[null,null,null,null,null,null,{"$f":"-#REF!*M119","v":{"$error":"#REF!"}}]
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[null,null,null,null,null,null,{"$f":"G111*M117","v":{"$error":"#REF!"}}]
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[null,null,null,null,null,null,{"$f":"(1-M117)*G111","v":{"$error":"#REF!"}},null,7,"dobanda nominala*impozit/100",null,null,0.16]
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[null,null,null,null,null,null,null,null,null,"ajustata la inflatie",null,null,{"$f":"(1+$E$111)/(1+$E$112)-1","v":{"$error":"#REF!"}}]