7/27/2019 Test Cases for POC-HLB
7/92
IRR - Amortization ScheduleInstallment Loan in Arrear
1.29%
1.00%0.01% (700,000,000)
7,000,000
(693,000,000)
1-Jan-09 70,000,000,000
31-Jan-09 30 70,000,000,000 845,833,333 896,441,959
1-Feb-09 2,582,344,910 67,417,655,090
28-Feb-09 30 67,417,655,090 814,629,999 863,695,560
1-Mar-09 2,609,244,336 64,808,410,754
31-Mar-09 30 64,808,410,754 783,101,630 830,581,276 1-Apr-09
2,636,423,964 62,171,986,790
30-Apr-09 30 62,171,986,790 751,244,840 797,094,928
1-May-09 2,663,886,714 59,508,100,076
31-May-09 30 59,508,100,076 719,056,209 763,232,290
1-Jun-09 2,691,635,534 56,816,464,542
30-Jun-09 30 56,816,464,542 686,532,280 728,989,086
1-Jul-09 2,719,673,404 54,096,791,137
31-Jul-09 30 54,096,791,137 653,669,560 694,360,992
1-Aug-09 2,748,003,335 51,348,787,802
31-Aug-09 30 51,348,787,802 620,464,519 659,343,635
1-Sep-09 2,776,628,370 48,572,159,432
30-Sep-09 30 48,572,159,432 586,913,593 623,932,590
1-Oct-09 2,805,551,582 45,766,607,849
31-Oct-09 30 45,766,607,849 553,013,178 588,123,382
1-Nov-09 2,834,776,078 42,931,831,77130-Nov-09 30 42,931,831,771
518,759,634 551,911,485
1-Dec-09 2,864,304,996 40,067,526,776
31-Dec-09 30 40,067,526,776 484,149,282 515,292,320
1-Jan-10 2,894,141,506 37,173,385,270
31-Jan-10 30 37,173,385,270 449,178,405 478,261,256
1-Feb-10 2,924,288,813 34,249,096,457
28-Feb-10 30 34,249,096,457 413,843,249 440,813,608
1-Mar-10 2,954,750,155 31,294,346,302
31-Mar-10 30 31,294,346,302 378,140,018 402,944,639
1-Apr-10 2,985,528,803 28,308,817,499
30-Apr-10 30 28,308,817,499 342,064,878 364,649,555
1-May-10 3,016,628,061 25,292,189,438
31-May-10 30 25,292,189,438 305,613,956 325,923,508
1-Jun-10 3,048,051,270 22,244,138,168
30-Jun-10 30 22,244,138,168 268,783,336 286,761,595 1-Jul-10
3,079,801,804 19,164,336,364
31-Jul-10 30 19,164,336,364 231,569,064 247,158,855
1-Aug-10 3,111,883,073 16,052,453,292
31-Aug-10 30 16,052,453,292 193,967,144 207,110,271
1-Sep-10 3,144,298,521 12,908,154,770
30-Sep-10 30 12,908,154,770 155,973,537 166,610,768
1-Oct-10 3,177,051,631 9,731,103,139
31-Oct-10 30 9,731,103,139 117,584,163 125,655,212
1-Nov-10 3,210,145,919 6,520,957,221
30-Nov-10 30 6,520,957,221 78,794,900 84,238,410
1-Dec-10 3,243,584,939 3,277,372,282
31-Dec-10 30 3,277,372,282 39,601,582 42,355,111
1-Jan-11 3,277,372,282 0
31-Jan-11 30 0 0 0
70,000,000,000 10,992,482,289 11,685,482,289 6
*) to simplify calculation it is assumed accrual is done
monthly
Transactions cost (JADIB)
Drawdown Date: 1-Jan-09
Maturity: 1-Jan-11
Loan Nominal Amount: 70,000,000,000
Interest rate 14.5000%
Annualized IRR (Effective
Interest): 15.52%
Fee income (KDD)
Repayment
Date
Accrual Date
*)Period Principal Repayment
Outstanding
Principal
(a)
Interest Income
(b)Effective Interest (c)
Dis
Amo
Int
(d)
