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Republic of the Philippines
Department of Education
Region III
Schools Division of Pampanga
SECOND QUARTER EXAMINATION IN GENERAL MATHEMATICS
School Year 2025-2026
Name: Date:
Grade & Section: Score:
GENERAL INSTRUCTIONS: Shade the circle which corresponds to the letter of your answer in the
answer sheet.
1. Interest that is computed only on the principal amount is called ______________.
A. Annuity
B. Discount
C. Compound Interest
D. Simple Interest
2. Interest that earns additional interest over time is called ______________.
A. Compound Interest
B. Nominal Interest
C. Periodic Interest
D. Simple Interest
3. Which of the following is an example of simple interest?
A. Time deposit where interest is added to the principal
B. Savings account earning 1% interest yearly
C. Home credit paying every month
D. Loan with no additional charges
4. The formula for simple interest is: __________________.
A. I = P / r × t
B. I = P × r × t
C. I = P(1 + r)^t
D. I = r × t
5. A ₱10,000 investment earns 10% simple interest per year. How much interest after 1 year?
A. ₱100
B. ₱500
C. ₱1,000
D. ₱10,000
6. The term “principal” means: ________________________.
A. The maturity value
B. The rate of interest
C. The total amount earned
D. The original amount invested or borrowed
7. The total amount after interest is added is called ______________.
A. Interest
B. Maturity Value
C. Period
D. Principal
8. If ₱5,000 is borrowed at 8% simple interest for 3 years, what is the interest?
A. ₱400
B. ₱800
C. ₱1,000
D. ₱1,200
9. Which bank product commonly uses compound interest?
A. Savings
B. Credit Card
C. Time Deposit
D. Personal loan from a friend
10. Compound interest is most beneficial for ______________.
A. Borrowers
B. Government
C. Lenders or investors
D. Students
11. If ₱10,000 is compounded annually at 5%, what is the compound interest after 1 year?
A. ₱500
B. ₱1,000
C. ₱1,050
D. ₱10,500
12. What is the maturity value in simple interest?
A. Interest – Rate
B. Principal + Interest
C. Principal × Rate
D. Time × Principal
13. Which of the following uses simple interest in real life?
A. Mutual fund
B. Pawnshop loans
C. Savings account
D. Stock investment
14. Compound interest grows faster than simple interest because _____________________.
A. It adds interest to the interest
B. It decreases over time
C. It only applies once
D. It is good for
15. Simple interest is best for ______________.
A. Bonds
B. Long-term investments
C. Retirement funds
D. Short-term loans
16. If ₱20,000 is borrowed at 6% simple interest for 4 years, find the total amount due.
A. ₱24,000
B. ₱25,000
C. ₱28,000
D. ₱30,000
17. Find the compound interest for ₱8,000 invested at 10% compounded annually for 2 years.
A. ₱1,600
B. ₱1,680
C. ₱1,760
D. ₱8,800
18. What is the present value of ₱12,000 due in 2 years if interest is 5% simple?
A. ₱10,000
B. ₱10,909
C. ₱11,000
D. ₱12,100
19. If ₱15,000 grows to ₱16,500 in 2 years under simple interest, find the rate.
A. 5%
B. 7.5%
C. 8%
D. 10%
20. If interest is compounded semi-annually, how many compounding periods are there in 3 years?
A. 3
B. 4
C. 6
D. 12
21. ₱10,000 compounded quarterly at 8% for 2 years gives a maturity value of ______________.
A. ₱10,800
B. ₱11,000
C. ₱11,693
D. ₱12,000
22. An annuity means _________________________.
A. A type of bond
B. A single payment
C. Interest only once
D. A series of equal payments
23. Paying ₱1,000 monthly for 12 months to buy a motorcycle is an example of ______________.
A. Compound interest
B. General annuity
C. Simple annuity
D. Simple interest
24. If payments are made monthly but interest is compounded annually, it is a ______________.
A. Bond
B. General annuity
C. Perpetuity
D. Simple annuity
25. A teacher saves ₱2,000 monthly in an account earning 6% annually. What type of financial activity is this?
A. Compound interest
B. General annuity
C. Simple annuity
D. Simple interest
26. Which formula is used to find the future value of an ordinary annuity?
A. F = P(1 + r/n)^nt
B. F = R × r/n × nt
C. F = R((1 + r/n)^nt - 1)/r/n
D. F = R/r/n
27. ₱1,000 monthly payment for 3 years at 10% interest (compounded monthly) — find future value
(approximate).
A. ₱36,000
B. ₱38,000
C. ₱39,819
D. ₱40,000
28. The present value of ₱1,000 monthly for 12 months at 12% annual interest compounded monthly is
______________.
A. ₱9,700
B. ₱10,682
C. ₱11,000
D. ₱12,000
29. A simple annuity has equal payment and compounding periods that are ______________.
A. Equal
B. Opposite
C. Random
D. Unequal
30. A general annuity has ____________________________.
A. Different payment and compounding frequency
B. Equal payment and compounding frequency
C. One-time payment
D. Simple Interest
31. Which of the following is an example of a general annuity?
A. Loan with monthly payments but quarterly compounding
B. Quarterly investment compounded quarterly
C. Monthly savings compounded monthly
D. One time savings deposit
32. If a DepEd teacher deposits ₱5,000 quarterly at 6% interest for 4 years, the future value is approximately
______________.
A. ₱88,000
B. ₱89,600
C. ₱90,000
D. ₱91,000
33. What is the main difference between an ordinary annuity and annuity due?
A. Amount paid
B. Interest rate
C. Time of payment
D. Principal
34. Paying rent at the start of each month is an example of ______________.
A. Annuity Due
B. General Annuity
C. Ordinary Annuity
D. Simple Interest
35. ₱50,000 invested in a 5-year bond at 8% annual interest earns a maturity value of ______________.
A. ₱55,000
B. ₱60,000
C. ₱70,000
D. ₱73,466
36. A bond represents ______________.
A. Dividend
B. Profit share
C. Ownership in a company
D. Loan to a company or government
37. Stocks represent ______________.
A. A debt
B. Interest
C. Government bond
D. Ownership in a corporation
38. An investor buying Jollibee shares in the Philippine Stock Exchange buys from ______________.
A. Bond Market
B. Company directly
C. Insurance company
D. Stock Market
39. Which of the following is NOT a stock market in the Philippines?
A. NYSE
B. PDAX
C. PSE
D. SMP
40. The Philippine Stock Exchange Index (PSEi) measures ______________.
A. Inflation rate
B. Peso value
C. Government revenue
D. Performance of major companies in the Philippines
41. Bonds are generally issued by ______________.
A. Banks only
B. Stockholders
C. Private individuals
D. Companies and government
42. Which offers ownership rights?
A. Bond
B. Loan
C. Stock
D. Time deposit
43. If inflation rises, what usually happens to bond prices?
A. Decreases
B. Doubles
C. Increases
D. Stays the same
44. Which financial instrument pays regular fixed interest?
A. Bond
B. Equity
C. Savings account
D. Stock
45. The term “dividend” refers to ______________.
A. Tax payment
B. Fee for a bond
C. Interest on a loan
D. Profit shared with stockholders
46. A businessman borrowed ₱100,000 at 10% compounded quarterly. What is the maturity value after 2
years?
A. ₱120,000
B. ₱121,550
C. ₱122,000
D. ₱124,416
47. Compute the present value of ₱5,000 monthly payments for 2 years at 6% compounded monthly.
A. ₱95,000
B. ₱108,558
C. ₱110,000
D. ₱120,000
48. A ₱200,000 investment compounded annually at 8% grows for 5 years. Find its compound interest.
A. ₱80,000
B. ₱85,000
C. ₱93,866
D. ₱100,000
49. The PSEi drops by 5% in one week. What does this likely indicate?
A. Market confidence is falling
B. Investors are buying more
C. Interest rates are rising
D. Stocks are gaining
50. A retiree invests ₱1M, ₱500k in government bonds and ₱500k in stocks. If bonds earn 5% and stocks
10%, what’s the total expected annual return?
A. ₱50,000
B. ₱75,000
C. ₱100,000
D. ₱125,000
THAT IN ALL THINGS, GOD MAY BE GLORIFIED!
Emigdio A. Bondoc Senior High School
Moras Dela Paz, Sto. Tomas, Pampanga
(045) 901-6057