JAIIB · AFM

6 A AFME Depreciation

Chapter notes, video classes, MCQ practice tests and quick-revision one-liners for Accounting and Financial Management for Bankers — JAIIB.

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Q

What is depreciation in accounting terms?

A

Depreciation is the systematic allocation of the cost of a tangible fixed asset over its useful life, reflecting the reduction in value due to wear, tear, and obsolescence.

Q

What is the formula for calculating depreciation under the Straight Line Method?

A

(Cost minus Residual Value) divided by Useful Life

Q

Why do banks charge depreciation on fixed assets?

A

Banks charge depreciation to match the cost of an asset against the revenue it helps generate, following the matching principle, and to show a true and fair view of the asset's carrying value.

Q

Which Indian Accounting Standard specifically deals with property, plant and equipment depreciation?

A

Ind AS 16 governs PPE and related depreciation

Q

Which accounting standard governs depreciation for Indian companies?

A

AS 10 (Property, Plant and Equipment) governs depreciation for Indian companies, replacing the earlier AS 6 (Depreciation Accounting) which was withdrawn by ICAI.

Q

What is the difference between depreciation and amortisation?

A

Depreciation is for tangible assets; amortisation for intangible assets

Q

What is the Straight Line Method (SLM) of depreciation?

A

Under SLM, an equal amount of depreciation is charged every year throughout the asset's useful life, calculated as (Cost − Residual Value) ÷ Useful Life.

Q

Under Schedule II of Companies Act 2013, what determines the useful life of assets?

A

The Act prescribes indicative useful lives for different asset categories

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