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NSW Curriculum
NSW Education Standards Authority

11–12Mathematics Standard 11–12 Syllabus (2024)

Implementation from 2026
Expand for detailed implementation advice

Content

Year 12 – Standard 1

Depreciation and loans
Depreciation
  • Apply the straight-line depreciation method to calculate the depreciation of an asset using the formula S=V0-Dn where S = salvage value, V0 = initial value of the asset, D = depreciation amount per time period and n = number of time periods
  • Apply the declining balance method to calculate the depreciation of an asset using the formula S=V01-rn where S = salvage value, V0 = initial value of the asset, r = depreciation rate per time period and n = number of time periods
  • Explain the similarities and differences between the declining balance formula and the Loading  formula

  • Compare straight-line depreciation and Loading  either numerically or from a given Loading 

  • Use a spreadsheet to model depreciation using the straight-line and declining balance methods

Loans
  • Compare and analyse the Loading  associated with Loading , short term and long term Loading 

  • Model a Loading  as an application of compound interest, given the Loading  per time period, with periodic Loading , using a table for up to three time periods

  • Examine the effect of changing the repayment frequency, making additional repayments or a making a Loading  on the term and cost of repaying a loan

  • Use a spreadsheet to model and solve problems involving a reducing balance loan in a variety of contexts

Credit cards
  • Explain how Loading  are an example of a reducing balance loan

  • Compare credit card interest rates with interest rates for other loan types

  • Identify the various fees and charges associated with credit card usage, and explain the meaning of an Loading 

  • Interpret a credit card statement, examining the implications of only making the Loading 

  • Calculate the compound interest charged on a Loading  or outstanding Loading  for a given number of days

  • Compare credit cards and personal loans as options to meet short-term, medium-term and long-term financial goals

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