# Understanding Black-Scholes Merton closed form formula for Vanilla Call Option

Call (premium) =  S0 N(d1)  -  Ke-r(T-t) N(d2)

To understand this equation we need to start with payoff of call option at maturity.

Max( ST – K, 0)  =>  If at maturity Stock price(ST) ends above Strike(K), Options buyer gets Stock worth ST and pays Strike K for it.

The value of a derivative contract is expected present value of its future cash flows discounted at risk-free rate (under risk-neutral pricing framework). Hence, above equation can be divided into two parts.

1. A) S0 N(d1): Present value of expected Stock price received by the buyer of Option.
2. B) Ke-r(T-t) N(d2): Present value of expected cash flow (Strike) paid by buyer.

Starting with B as it is easy to understand:

B represents expected present value of Strike that is paid to obtain underlying by buyer in case call option matures in the money.

As stated above there are two important terms to consider: present value and expected value.

Present value: As Strike K is constant, so under risk neutral frame-work,  discounting rate of risk-free rate is used to calculate present value. Ke-r(T-t)

Expected value: Strike is only paid when option matures ITM. So to calculate the expected present value of cash-flow, present value mentioned as above needs to be multiplied by the probability of Option ending in the money, which is N(d2).

*Important point: Here is that N(d2) is not actual probability but probability under the risk-neutral framework. To get actual probability all required is to replace risk-free interest rate with actual expected return on the stock.

Coming back to part A:

As similar to discussed above, A is expected present value of Stock received by the buyer. Unlike part B, explanation of constituent terms of A is not straight forward. S0 represents the present value of stock and hence we might think that similar to part B, to get expected value we need to multiply the present value of Stock, S0 with the probability of Option maturing ITM. But in part A Sis multiplied by N(d1). Two probability terms used in part A “N(d1)” and Part B “N(d2)” are different. This is because N(d1) is not a pure probability that option will mature ITM but is: Conditional expected  present value of the unit value of the stock given stock ends in ITM. Which when multiplied by S0 simply gives: Conditional expected present value of the stock given stock ends in ITM.

E[ST/given(ST>K)]e-r(T-t)

Why part A “S0 N(d1)” could not be simplified as part B?

In part B cash-flow in the case of Option maturing ITM was constant “K”. Thus, the two terms present value and probability could be separated. While in the case of part A option buyer receives stock whose value at maturity is not fixed and linked to probability distribution and hence probability term couldn’t be completely separated from expected value.

Conclusion:

S0 N(d1) – Expected present value of what buyer receives as Stock.

Ke-r(T-t) N(d2): Expected present value of what buyer have to pay as Strike.

N(d2): Probability of option maturing ITM (under risk-neutral framework).

N(d1): Conditional expected  present value of a unit value of the stock given stock ends in ITM. And N(d1) is also Delta of an option.

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22. MixEdura says:
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25. MixEdura says:
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though the nations parks, books and along with in the works country towns are a significant appeal for ecotourists and those later than African lifestyle, for several site visitors it is actually the nations pleasing tropical climate and loosening.
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Create a character and explore a world full of people from anywhere on the planet, interacting with them the same way you would in Habbo, all of this on the unusual social network IMVU Mobile.

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51. woounili says:
Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

===========
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wow. i found it finally. thanks!

Create a character and explore a world full of people from anywhere on the planet, interacting with them the same way you would in Habbo, all of this on the unusual social network IMVU Mobile.

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52. woounili says:
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===========
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wow. i found it finally. thanks!

Create a character and explore a world full of people from anywhere on the planet, interacting with them the same way you would in Habbo, all of this on the unusual social network IMVU Mobile.

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53. woounili says:
Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

===========
wow. i found it finally. thanks!
wow. i found it finally. thanks!

Create a character and explore a world full of people from anywhere on the planet, interacting with them the same way you would in Habbo, all of this on the unusual social network IMVU Mobile.

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54. woounili says:
Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

===========
wow. i found it finally. thanks!
wow. i found it finally. thanks!

Create a character and explore a world full of people from anywhere on the planet, interacting with them the same way you would in Habbo, all of this on the unusual social network IMVU Mobile.

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55. woounili says:
Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

===========
wow. i found it finally. thanks!
wow. i found it finally. thanks!

Create a character and explore a world full of people from anywhere on the planet, interacting with them the same way you would in Habbo, all of this on the unusual social network IMVU Mobile.

Enter the colorful world of IMVU Mobile as soon as you’ve created your character. The main screen shows posts that other users have made, follow them to never miss a post or just take a look at their content whenever you feel like it. Comment with photos, like posts, or exchange options with other users over chat.

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56. MixEdura says:
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===========
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wow. i found it finally. thanks!

Create a character and explore a world full of people from anywhere on the planet, interacting with them the same way you would in Habbo, all of this on the unusual social network IMVU Mobile.

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57. MixEdura says:
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wow. i found it finally. thanks!
wow. i found it finally. thanks!

Create a character and explore a world full of people from anywhere on the planet, interacting with them the same way you would in Habbo, all of this on the unusual social network IMVU Mobile.

Enter the colorful world of IMVU Mobile as soon as you’ve created your character. The main screen shows posts that other users have made, follow them to never miss a post or just take a look at their content whenever you feel like it. Comment with photos, like posts, or exchange options with other users over chat.

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58. MixEdura says:
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===========
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wow. i found it finally. thanks!

Create a character and explore a world full of people from anywhere on the planet, interacting with them the same way you would in Habbo, all of this on the unusual social network IMVU Mobile.

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59. MixEdura says:
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wow. i found it finally. thanks!

Create a character and explore a world full of people from anywhere on the planet, interacting with them the same way you would in Habbo, all of this on the unusual social network IMVU Mobile.

Enter the colorful world of IMVU Mobile as soon as you’ve created your character. The main screen shows posts that other users have made, follow them to never miss a post or just take a look at their content whenever you feel like it. Comment with photos, like posts, or exchange options with other users over chat.

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60. MixEdura says:
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===========
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wow. i found it finally. thanks!

Create a character and explore a world full of people from anywhere on the planet, interacting with them the same way you would in Habbo, all of this on the unusual social network IMVU Mobile.

Enter the colorful world of IMVU Mobile as soon as you’ve created your character. The main screen shows posts that other users have made, follow them to never miss a post or just take a look at their content whenever you feel like it. Comment with photos, like posts, or exchange options with other users over chat.

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61. MixEdura says:
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===========
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wow. i found it finally. thanks!

Create a character and explore a world full of people from anywhere on the planet, interacting with them the same way you would in Habbo, all of this on the unusual social network IMVU Mobile.

Enter the colorful world of IMVU Mobile as soon as you’ve created your character. The main screen shows posts that other users have made, follow them to never miss a post or just take a look at their content whenever you feel like it. Comment with photos, like posts, or exchange options with other users over chat.

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62. MixEdura says:
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===========
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wow. i found it finally. thanks!

Create a character and explore a world full of people from anywhere on the planet, interacting with them the same way you would in Habbo, all of this on the unusual social network IMVU Mobile.

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63. MixEdura says:
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===========
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wow. i found it finally. thanks!

Create a character and explore a world full of people from anywhere on the planet, interacting with them the same way you would in Habbo, all of this on the unusual social network IMVU Mobile.

Enter the colorful world of IMVU Mobile as soon as you’ve created your character. The main screen shows posts that other users have made, follow them to never miss a post or just take a look at their content whenever you feel like it. Comment with photos, like posts, or exchange options with other users over chat.

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64. MixEdura says:
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wow. i found it finally. thanks!

Create a character and explore a world full of people from anywhere on the planet, interacting with them the same way you would in Habbo, all of this on the unusual social network IMVU Mobile.

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65. MixEdura says:
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wow. i found it finally. thanks!

Create a character and explore a world full of people from anywhere on the planet, interacting with them the same way you would in Habbo, all of this on the unusual social network IMVU Mobile.

Enter the colorful world of IMVU Mobile as soon as you’ve created your character. The main screen shows posts that other users have made, follow them to never miss a post or just take a look at their content whenever you feel like it. Comment with photos, like posts, or exchange options with other users over chat.

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66. MixEdura says:
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wow. i found it finally. thanks!

Create a character and explore a world full of people from anywhere on the planet, interacting with them the same way you would in Habbo, all of this on the unusual social network IMVU Mobile.

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67. MixEdura says:
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===========
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wow. i found it finally. thanks!

Create a character and explore a world full of people from anywhere on the planet, interacting with them the same way you would in Habbo, all of this on the unusual social network IMVU Mobile.

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68. MixEdura says:
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wow. i found it finally. thanks!

Create a character and explore a world full of people from anywhere on the planet, interacting with them the same way you would in Habbo, all of this on the unusual social network IMVU Mobile.

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69. MixEdura says:
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wow. i found it finally. thanks!

Create a character and explore a world full of people from anywhere on the planet, interacting with them the same way you would in Habbo, all of this on the unusual social network IMVU Mobile.

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70. MixEdura says:
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wow. i found it finally. thanks!

Create a character and explore a world full of people from anywhere on the planet, interacting with them the same way you would in Habbo, all of this on the unusual social network IMVU Mobile.

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71. MixEdura says:
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Create a character and explore a world full of people from anywhere on the planet, interacting with them the same way you would in Habbo, all of this on the unusual social network IMVU Mobile.

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72. MixEdura says:
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===========
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wow. i found it finally. thanks!

Create a character and explore a world full of people from anywhere on the planet, interacting with them the same way you would in Habbo, all of this on the unusual social network IMVU Mobile.

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73. MixEdura says:
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wow. i found it finally. thanks!

Create a character and explore a world full of people from anywhere on the planet, interacting with them the same way you would in Habbo, all of this on the unusual social network IMVU Mobile.

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74. MixEdura says:
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wow. i found it finally. thanks!

Create a character and explore a world full of people from anywhere on the planet, interacting with them the same way you would in Habbo, all of this on the unusual social network IMVU Mobile.

Enter the colorful world of IMVU Mobile as soon as you’ve created your character. The main screen shows posts that other users have made, follow them to never miss a post or just take a look at their content whenever you feel like it. Comment with photos, like posts, or exchange options with other users over chat.

But the best thing about IMVU Mobile is that you can simulate any situation with your three-dimentional avatar. Virtually got to the beach, drive around, sleep, and more. Take virtual selfies and live a new, exciting life in IMVU Mobile.

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75. MixEdura says:
Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

https://petronio.cali.gov.co/?p=249&unapproved=1263&moderation-hash=5e57dce305c96349440f0c2ba79bff3b#comment-1263

https://pdfhost.io/v/mGPPJ7S~N_Free_IMVU_Credits_wow.pdf

===========

Create a character and explore a world full of people from anywhere on the planet, interacting with them the same way you would in Habbo, all of this on the unusual social network IMVU Mobile.

Enter the colorful world of IMVU Mobile as soon as you’ve created your character. The main screen shows posts that other users have made, follow them to never miss a post or just take a look at their content whenever you feel like it. Comment with photos, like posts, or exchange options with other users over chat.

But the best thing about IMVU Mobile is that you can simulate any situation with your three-dimentional avatar. Virtually got to the beach, drive around, sleep, and more. Take virtual selfies and live a new, exciting life in IMVU Mobile.

android ios
imvu hack 2022,/imvu free credits/ imvu credits free / 2022/ 2021
imvu hack 2022,/imvu free credits/ imvu credits free / 2022/ 2021
imvu hack 2022,/imvu free credits/ imvu credits free / 2022/ 2021
Get more Credits â€“ It means that users need to earn more and more Credits. The easy and simple way to earn Credits is by reading more numbers of stories and chapters in the game.
Earn keys â€“ The keys are earned by completing more chapters and by reading more stories. One should earn enough keys by applying the IMVU cheats.
Problem in the replayâ€“ If you are playing IMVU then you canâ€™t replay the chapters. In order to watch your favorite character, one must start it from the beginning.
Move between stories â€“ In it gamers are free to move in between the stories. One can start the stories from they leave. Users can start the story without losing the progress you made.

IMVU expects your dream life. IMVU MOD APK is an online metaverse and social website that allows you to connect and play games with new people at the same time. IMVU is said to be the world’s first graphical instant messaging platform. The final number of users active on IMVU was more than 30 million, while the current statistics are unknown. The concept of the game was so promising that it was supported by some well-known market investors.

76. MixEdura says:
Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

https://issuu.com/haroldseere/docs/free_imvu_credits_wow

https://www.docdroid.net/dktXNBT/free-imvu-credits-wow-pdf

===========

Create a character and explore a world full of people from anywhere on the planet, interacting with them the same way you would in Habbo, all of this on the unusual social network IMVU Mobile.

Enter the colorful world of IMVU Mobile as soon as you’ve created your character. The main screen shows posts that other users have made, follow them to never miss a post or just take a look at their content whenever you feel like it. Comment with photos, like posts, or exchange options with other users over chat.

But the best thing about IMVU Mobile is that you can simulate any situation with your three-dimentional avatar. Virtually got to the beach, drive around, sleep, and more. Take virtual selfies and live a new, exciting life in IMVU Mobile.

android ios
imvu hack 2022,/imvu free credits/ imvu credits free / 2022/ 2021
imvu hack 2022,/imvu free credits/ imvu credits free / 2022/ 2021
imvu hack 2022,/imvu free credits/ imvu credits free / 2022/ 2021
Get more Credits â€“ It means that users need to earn more and more Credits. The easy and simple way to earn Credits is by reading more numbers of stories and chapters in the game.
Earn keys â€“ The keys are earned by completing more chapters and by reading more stories. One should earn enough keys by applying the IMVU cheats.
Problem in the replayâ€“ If you are playing IMVU then you canâ€™t replay the chapters. In order to watch your favorite character, one must start it from the beginning.
Move between stories â€“ In it gamers are free to move in between the stories. One can start the stories from they leave. Users can start the story without losing the progress you made.

IMVU expects your dream life. IMVU MOD APK is an online metaverse and social website that allows you to connect and play games with new people at the same time. IMVU is said to be the world’s first graphical instant messaging platform. The final number of users active on IMVU was more than 30 million, while the current statistics are unknown. The concept of the game was so promising that it was supported by some well-known market investors.