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Republic of the Philippines

Department of Education
Region VIII - Eastern Visayas
Schools Division of Northern Samar
CATARMAN NATIONAL HIGH SCHOOL – SENIOR HIGH SCHOOL
LEARNING ACTIVITY SHEET NO. 1

CASH FLOW
Name:___________________________________________________________________ Grade&section:_________________________________
DIRECTIONS: Follow the instructions given on each activity. Please use a separate scratch paper and write only your
FINAL ANSWER on this worksheet. Fit all the solutions at the back of this paper. Do not use extra paper
for your solutions. NO ERASURES.
Activity 1.1
Complete the table by computing the future value and present value of an ordinary annuity given the following
conditions. Write your solution at the back of this paper. Wrong solution means wrong answer.
Future Value Present

(F) Value (P)
Monthly payments of ₱ 3,000 for 4 years with an
1. interest rate of 3% compounded
quarterly.
Quarterly payments of ₱ 5,000 for 10 years with

an interest rate of 2% compounded annually.
2.
Semi-annual payments of ₱105,000 with an

3.
interest rate of 12% compounded annually for
5 years.
Activity 1.2
Complete the table by filling up the columns with the required values.
Conver
R im m t n
ted
F P
intere
st
rate
(j)
Monthly payments of
1. ₱ 2,000 for 5 years
with an interest
rate
of
12%
compounded
quarterly.
Quarterly payments of
2.
₱ 15,000 for 10 years
with an interest rate
of 8% compounded
annually.
Semi-annual
3. payments of ₱
150,000 with an
interest rate of 6%
compounded
annually for 6 years.
Activity 1.3
Answer the following problems, write your complete solution at the back page.
1. The buyer of a car pays ₱ 169,000 cash and ₱ 12,000 every month for 5 years. If money is 10%
compounded monthly, how much i s the cash price of the car?
2. The buyer of a lot pays ₱ 50,000 cash and ₱ 10,000 every month for 10 years. If money is 8%
compounded monthly how much is the cash value of the lot?
3. In order to save for her high school graduation, Marie decided to save ₱ 200 at the end of each month.
If the bank pays 0.250% compounded monthly, how much will her money be at the end of 6 years?
4. Mr. Ribaya paid ₱ 200,000 as a down payment for the car. The remaining amount is to be settled by
paying ₱16,200 at the end of each month for 5 years. If interest is 10.5% compounded monthly, what
is the cash price of his car.
Activity 1.4
Fill in each blank with correct word or words to complete each statement.
1. is defined as an annuity where the length of the payment interval is not the
same as the length of the interest compounding period while
is a general annuity in which the periodic payment is made at the
end of the payment interval.
2. A is a term that refers to payments received ( ) or payments or deposits made

( ). Cash inflows can be represented by numbers and cash outflows can
represented by numbers. It is also the amount of cash and cash-equivalents being transferred into
and out of the .
3. The fair market value or of a cash flow (payment stream) on a

particular date refers to a single amount that is equivalent to the value of the payments stream at that
date. This particular date is called the .
Activity 1.5
Decide on the following problems by determining the fair market value. Show your solutions below or at
the back of this paper together with your decision on the problem.
1. Investment in Sunrise Company is ₱ 100,000 at the end of 5 years plus

₱ 24,000 annually for 4 years afterwards. Investment in XYZ company offers
₱ 50,000 semi-annually ₱ 15,000 every 6 months after 6 years. Assume that the money is worth 9%
compounded annually, which investment is preferable?
2. A motorcycle is for sale ₱ 60,500 cash or on installment terms ₱ 3,000 per month for 2 years at 12%
compounded annually. If you were the buyer, what would you prefer, cash or installment?
3. A television set is for sale at ₱ 13,499 in cash or on installment terms, ₱ 2,500 each month for the next 6 months at 9%
compounded annually. If you were the buyer, what would you prefer, cash or installment?
.


DEFERRED ANNUITY
Name:___________________________________________________________________ Grade&section:_________________________________
Activity 2.1
Find the period of deferral (k) in each of the following deferral annuity problems (one way to find the period of deferral is to
count the number of artificial payment (k). Make a diagram.
1. Payment of ₱ 3,000.00 every 3 months for 8 years that will start 6 years
Time Diagram k
2. Payment of ₱ 1,000.00 every other month for 2 years that will start after 3 years.
Time Diagram k
3. Payment of ₱ 700.00 every month for one (1) year that will start at the end of the third month
Time Diagram k
4. Payment of ₱ 400.00 every 5 months for 3 years that will start at the end of 5 years.
Time Diagram k
5. Semi-annual payment of ₱ 12,000.00 for twelve (12) years that will start after 5 years.
Time Diagram k
Activity 2.2
Directions: Fill in the blanks below with the correct term to make each statement true about calculating the
present value and period of deferral of a deferred annuity.
1. A deferred annuity is an annuity whose payments starts in more than period from the _____________ .
2. Each payment in an annuity is called the __.
3. A deferred annuity is an annuity whose first payment takes place at some predetermined time _____ .
4. In retirement planning, payments on income taxes are deferred until you
______ ____________ the money.
Activity 2.3
Read each problem carefully about calculating the present value and period of deferral of a deferred annuity and perform the
appropriate solutions to answer the problem. Write your solution below.
1. A group of college students decided to invest the money they earned from the fund-raising project. After 6 months from
today, they want to withdraw from this fund ₱ 10,000.00 quarterly for 1 year to fund for community service. How much is
the present total deposit if the interest rate is 4% converted quarterly?
2. A company offers a deferred payment option for the purchase of any furniture. Gladys plans to buy a dining table set with
a monthly payment of ₱ 4,000.00 for 2 years. The payment will start at the end of 3 months. How much is the cash price of
the dining set if the company will give 10% compounded monthly?
.


STOCKS AND BONDS
Name:___________________________________________________________________ Grade&section:_____________________________________
FINAL ANSWER on this worksheet. NO ERASURES.
Activity 3.1
Group the following characteristics of stocks and bonds and write on the space provided. Write the words.
1. offers fixed interest rate
2.makes profit by dividend
3. debt instrument
4. equity instrument
5. own a small piece of the
company
6. sold by Government and financial institution
7. lower risk with lower reward
8. higher risk but with higher reward
9. market value varies everyday
10. has a maturity date
Stocks Bonds
Activity 3.2
Complete the following statements by writing the correct word or words.
1. When a company goes to sell a , they decide to sell a

certain amount of shares of ownership in their company that they will give up in exchange for cash from
investors.
2. A stock is a security in that company that can also be referred to as equity or a ____________________ .
3. Those who own stock in a company typically have voting rights in

shareholder's meetings and may even receive dividends, while _________________ stock owners do receive
dividends but don't always receive voting rights.
4. are fixed-income investments, which operate from a fixed interest rate

and a fixed amount of time wherein the company, government, or other will repay the money plus the
interest.
5. A represents a collection of shares in a company which is entitled to

receive a fixed amount of dividend at the end of relevant financial year, whereas is
associated with debt raised by the company from outsiders which carry a fixed ratio of return each year and
can be earned as they are generally for a fixed period of time
.


MARKETS FOR STOCKS AND BONDS
Activity 4.1
There are 10 words from the puzzle hidden vertically, horizontally and diagonally. Write the words below using the clue
then give a meaningful definition for each word.
A T O W G L V O T O L E I M E Q
I F I S S U E R X G I H K A U D
D F A E S T B D B W I O G R A O
I G I S O U O R K R E A H K I N
S M C T A Z N C A S C J R E C I
C V L O I H F I K D A U P T X R
O I H C M L K M I B P N Q V E M
U E Q K S M B V L R R Y E A U L
N H K E A W I F J F L O U L L D
T S E O A D O S V Z O T K U A O
Y C H Y E P R I I W P O C E V A
O B C N I K D C B O S I H O R R
Q A D U R D E O B O N D A M A A
E C O U P O N R A T E U E J P N
U Z J A O G W T A X I V F O L E
1. S = .
2. B = .
3. C = .
4. M = .
5. P = .
6. I = .
7. C = .
8. S = .
9. D = .
10. D = .
Activity 4.2
Complete the following statements by writing the correct word or words. Complete the table below by supplying the
correct dividend, shares and dividend per share. Write your solution.
Dividend per
Dividend Shares share
1 ₱ 10,000.00 750
2 1,000 ₱ 15.25
3 ₱ 2,000,000.00 ₱ 200.00
Activity 4.3.
Complete the table below by supplying the correct dividend, shares and dividend per share. Write your solution.
Dividend
Percentage Par Value Shares Dividend
1 5% ₱ 700.00 200
2 ₱ 500.00 50 ₱12,000.00
3 3% 100 ₱ 3000.00
4 7.5% ₱ 350.00 ₱ 5000.00
Activity 4.4
Solve the following problems. Write your complete solution at the back.
1. A financial institution declares a dividend of ₱ 75,000,000.00 for its common stock. Suppose there are 900,000
shares of common stock, how much is the dividend per share?
2. ABC Corporation gives ₱ 38.00 dividend per share for its common stock. The market value of stock is ₱ 10800.
Determine the stock yield ratio.
3. A bank declares a dividend of ₱27.00 per share for the common stock. If the common stock closes at ₱ 93.00, how
large is the stock yield ratio on this investment?
4. Find the amount of the semi-annual coupon for a ₱ 200,000.00 bond which pays 5% convertible semi-annually
coupons.
5. Determine the amount of semi-annual coupon paid for a 3% bond with a face value of ₱ 100,000.00 which
matures after 8 years. How many coupons are paid?
6. What will you pay today for a stock that is expected to make a ₱ 45.00 dividend in one year if the expected dividend
rate is 5% and you require a 12% return on your investment?
7. XYZ Company’s preferred stock is selling for ₱ 60.00 a share. If the required return is 8%, what will the dividend be
two years from now?
8. Your broker is trying to sell you a stock with a current market price of
₱ 2,160.00 The stock’s last dividend was ₱ 53.25, and earnings and dividends are expected to increase at a
constant growth rate of 10%. Is the stock fairly valued if the return is 13%? Explain why or why not.
.


MARKET INDICES FOR STOCKS AND BONDS
Name:___________________________________________________________________ Grade&section:__________________________________
Activity 5.1
A. Consider the stock for the first company to answer the questions that follow.
52-
52-WK- WK- STOC HIGH LOW DIV VOL YLD CLOSE NET
HIGH LOW K (100s) % CHG
74.30 68.00 HHH 70.00 69.50 .70 9050 2.6 70.25 0.10
115.00 82.00 III 113.90 112.30 .30 10700 2.5 113.30 -0.20
88.00 84.50 JJJ 87.55 83.50 .50 500 3.1 87.50 0.20
57.19 35.80 KKK 56.00 54.20 .28 10200 4.2 56.20 -0.15
31.60 23.25 LLL 30.00 27.80 1.70 1500 2.0 30.00 0.30
1. Give the highest and lowest prices for the past 52 weeks.
2. Give the highest and lowest prices for shares yesterday.
3. What was the dividend per share last year?
4. What was the annual percentage yield last year?
5. What was the closing price on the last trading day?
6. What was the closing price the day before the last trading day?
B. Use the stock table above to answer the following questions.
1. During the past 52 weeks, which stocks in the table sold at the highest price? At the lowestprice?
2. How many shares of KKK were traded?

3. Which stocks have the lowest shares were traded for the day?
4. Which stocks have the highest shares were traded for the day?
Activity 5.2
True or False: Read each statement below carefully. Place a T on the line if you think a statement is TRUE.
Place an F on the line if you think the statement is FALSE.
1. Stocks are shares in the ownership of a company.
2. A stock market index is a measure of a portion of the stock market.
3. The up and down movement in percent change over time can indicate how the index
is performing.
4. Bid Size is the price that buyers are not willing to pay for the stock.
5. Bid size is the number of individuals who buy orders and the total number of shares they
wish to buy.
6. Buying and selling stocks can be done by making phone calls to a registered broker or by
logging on to a reputable online trading platform.
7. A stock market index is a measure of a portion of the bond market.
8. Stock indices are far less common than bond market indices.
.
.


BUSINESS AND CONSUMER LOANS
FINAL ANSWER on this worksheet.
NO ERASURES.
Activity 6. 1
Directions. Identify whether the following statements are TRUE or FALSE. Write T if the underlined word/s is/are
correct for the statement, otherwise write the correct word/s to make the statement correct.
1. Business loans are money used to finance a business or to start a new business.
2. Credit cards and car loans are example of business loans.
3. Guarantors are the assets used to secure a loan which include real-states or
investments.
4. Consumer loan has higher interest rate than business loan.
5. Consumer loan has longer term of payment than business loan.
Activity 6. 2
Directions. Identify whether the following illustrates a business loan or a consumer loan. Write BL if the situation
shows business loan and CL if it states a consumer loan.
1. Mr. Manzano plans to have a barbershop. He wants to borrow some money from the bank to buy the equipment
and furniture for the barbershop. ____________
2. Margareth is planning to take up Engineering as her college course. To support her, Mr. And Mrs. Alvar, her parents,
borrowed money from the bank for her financial needs. ______________
3. Because of his love for our country, Mr. Razo always conduct an Independence Day presentation to his barangay.
However, because of COVID - 19, he got a problem with his business and need extra money to finance his advocacy. He
realized that he needs to borrow money from the bank to continue his annual Independence Day activity.
_____________
4. Mr. Bonifacio wants to renovate their 100-year old ancestral house in Sariaya, Quezon which was also identified as a
historical house in the province. He wants to repair the ceiling in preparation for the rainy season. He will borrow
some money from the bank to finance this plan. _____________
5. Mr. Santiago owns the Kakanin food cart business. He wants to put another food cart on a new mall in
Tayabas City. He decided to have a loan amounting to ₱100,000.00 to establish the new business. ________
.


SOLVING PROBLEMS ON BUSINESS AND CONSUMER LOANS
Name:___________________________________________________________________ Grade&section:__________________________________
Activity 7.1
Read each problem carefully and answer each question to solve the problem. Write your solution at the back.
1. A business loan of ₱200,000 is to be repaid in full after 2 years. What is the amount to be paid if the
effective rate of interest is 10%? (Hint: F = 𝑃(1 + 𝑗)𝑛 )
2. Johna purchased a condominium worth ₱3,500,000. However, the bank demands a 10% down
payment. How much is the mortgaged amount?
3. A motorcycle seller requires Justo ₱5,000 down payment. How much would be the mortgaged amount
if the motorcycle is sellable at ₱120,000?
Activity 7.2
Wrong solution means wrong answer.
Solenn decided to venture in an online business and opted to go to a financing institution to borrow ₱50,000. If her
monthly payment is ₱1,500 on a 5-year mortgage, how much is the total amount of interest?
Activity 7.3
Wrong solution means wrong answer.
PC Yaw Inc. approached Rudy and offered to lend him a capital for his computer business amounting to ₱300,000 to
be paid in 3 years with 12% monthly interest. How much would be his monthly payment?
Activity 7.4
Fill each blank with correct term/s which are related to consumer and business loans.
is the process of paying off debt with regular payments made over time.
is a loan from a bank or other financial institutions that helps a borrower purchase a
home or a car.
is the one who borrows a mortgage.
is the one who lends a mortgage.
are assets that can secure a loan.

Activity 7.5
Solve the following. Write your complete solution at the back.
1. A business loan worth ₱500,000.00 is to be repaid in quarterly installment in 3 years. How much is the quarterly
payment if money is worth 10% converted quarterly?
2. A newly married couple decided to buy a brand-new car. The net amount of the loan is ₱800,000.00. They plan
to amortize the loan in a monthly installment for 3 years, if money is worth 12% convertible monthly, how
much is the monthly installment?
3. A business loan worth ₱500,000.00 is to be repaid in quarterly installment in 3 years. How much is the quarterly
payment if money is worth 10% converted quarterly?
4. A newly married couple decided to buy a brand-new car. The net amount of the loan is ₱800,000.00. They plan
to amortize the loan un monthly installment for 3 years, if money is worth 12% convertible monthly, how much
is the monthly installment?

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Republic of the Philippines

LEARNING ACTIVITY SHEET NO. 1

Future Value Present

Quarterly payments of ₱ 5,000 for 10 years with

Semi-annual payments of ₱105,000 with an

2. A is a term that refers to payments received ( ) or payments or deposits made

3. The fair market value or of a cash flow (payment stream) on a

1. Investment in Sunrise Company is ₱ 100,000 at the end of 5 years plus

Republic of the Philippines

LEARNING ACTIVITY SHEET NO. 2

2. Each payment in an annuity is called the __.

4. In retirement planning, payments on income taxes are deferred until you

______ ____________ the money.

Republic of the Philippines

LEARNING ACTIVITY SHEET NO. 3

Complete the following statements by writing the correct word or words.

1. When a company goes to sell a , they decide to sell a

3. Those who own stock in a company typically have voting rights in

4. are fixed-income investments, which operate from a fixed interest rate

5. A represents a collection of shares in a company which is entitled to

Republic of the Philippines

LEARNING ACTIVITY SHEET NO. 4

4 7.5% ₱ 350.00 ₱ 5000.00

Republic of the Philippines

LEARNING ACTIVITY SHEET NO. 5

B. Use the stock table above to answer the following questions.

2. How many shares of KKK were traded?

Republic of the Philippines

LEARNING ACTIVITY SHEET NO. 6

Republic of the Philippines

LEARNING ACTIVITY SHEET NO. 7

is the one who lends a mortgage.

are assets that can secure a loan.

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______ the money.