Phase 2 of IFRS 9: Exposure Draft on Amortised cost and Impairment

Further to our earlier explanation of IFRS 9 (click here to read), our analyst Shalini Tibe comments on the exposure draft of IFRS 9. We hope the information is useful to you.
Exposure Draft (ED) proposes to replace Incurred Loss Model for the assessment of impairment of financial assets measured at amortized cost currently included in [...]

Fixed Assets / Property, Plant & Equipment : Differences between Indian GAAP and IFRS

Under Indian GAAP the terminology used is Fixed Assets  where as under IFRS it is termed as Property, Plant and Equipment
Standard IAS 16 covers Property, Plant and Equipment (PPE) where as there are 2 standards for Fixed Assets under Indian GAAP i.e. AS-10 Fixed Assets and AS-6 Depreciation
As per Indian GAAP subsequent expenditure related to [...]

MARKET RISK DISCLOSURES UNDER IFRS 7

 An entity possesses the risk if the fair value or cash flow of financial instrument will fluctuate as a result of change in market prices.
Following disclosures need to be shown in financial statement:

A sensitivity analysis of each type of market risk to which the entity is exposed showing how profit or loss and equity is [...]

IFRS on Effective Interest Rate

Effective Interest Rate
Effective Interest Rate (EIR) is a new concept to the existing Indian GAAP.
TheEffective Interest Rate (EIR) method is a method of calculating the amortized cost of a financial asset or a financial liability and of allocating the interest income or interest expense over the relevant period.
TheEffective Interest Rate (EIR)use in the allocation process is [...]

Comparison of IFRS and Indian Accounting Standards

IFRS is a novel way of looking at accounting. IFRS is a “principle-based” standards rather than “rule-based” standard which are currently followed.
Under IFRS there is need to apply professional judgment consistent with intent and spirit of standards.
Various countries have adapted to IFRS in different ways, often embedding local cultures and that is why there are [...]

Challenges for implementation of IFRS

Key Practical Challenges for implementation of IFRS in India for Banking Industry
No stable Platform: There are many changes / amendment taking place for most of the standards from International Accounting Standard Board there has been no stable platform ready for banks.
Training: All Stakeholders has to be conversant and shall be able to understand and interpret [...]

Explanation of IFRS 9

IFRS 9: FUTURE FINANCIAL INSTRUMENT
(SIGNIFICANT FOR BANKS AND FINANCIAL INSTITUTIONS)
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CURRENT STATUS

IFRS 9 has been issued for financial assets
Standards relating to financial liability, impairment, derecognition and hedging will be issued in a phased manner
Impact of IFRS 9 on banks are significant

HELD TO MATURITY CLASSIFICATION

Banks have to invest in government securities to comply with RBI’s prudential norms
As [...]

Delay in defining roadmap of IFRS for banking industry in India

Banking system in India is so far accustomed to rule based approach and hence for any implementation, Banks look to the regulator for guidelines i.e. RBI.
In case of Basel II implementation, the National Supervisor i.e. RBI is provided with power to modify the guidelines to suit the country condition. The Objective of Basel seems to [...]

IFRS:Why do we need IFRS in India?

Do we need IFRS in India?
Indian Companies are listed on overseas stock exchange and have to prepare accounts with respect to GAAP followed in respective countries. Foreign companies having subsidiary in India have to prepare there accounts in order to meet overseas reporting.
FDI and FII’s are more comfortable with one global accounting language which can [...]

Fair Value Accounting in IFRS

To what extent fair value accounting holds good for valuation in IFRS
Significant percentage of the balance sheet would be at Fair Value compared to current practice of carrying at historical cost under IFRS.
Use of Fair value:
At present Fair Value is limited to impairment of assets, measurement of retirement benefits and mark to market accounting of [...]