CREDUT UNION REPORT 2013.pdf April 2013 | Page 65

NOTES TO THE FINANCIAL STATEMENTS AT 31ST DECEMBER, 2013 (continued) 2. SIGNIFICANT ACCOUNTING POLICIES (continued) (d) Financial Instruments (continued) Impairment losses are recorded in an allowance account and are measured and recognised as follows: (i) Financial assets measured at amortised cost The difference between the asset’s carrying amount and the present value of the estimated future cash flows discounted at the financial asset’s original effective interest rate is recognised in the statement of comprehensive income. If, in a subsequent period, the amount of the impairment loss decreases and the decrease can be related objectively to an event occurring after the impairment was recognised (such as improvement in the debtor’s credit rating). The previously recognised loss is reversed to the extent that the carrying amount of the financial asset does not exceed what the amortised cost would have been had the impairment not been recognised at the date that the impairment is reversed. The amount of the reversal is recognised in the statement of comprehensive income. Financial Liabilities When financial liabilities are recognised initially, they are measured at fair value of the consideration given plus transaction costs directly attributable to the acquisition of the liability. Financial liabilities are re-measured at amortised cost using the effective interest method. Financial liabilities are de-recognised when they are extinguished that is when the obligation specified in the contract is discharged, cancelled or expired. The difference between the carrying amount of a financial liability extinguished and the consideration paid is recognised in the statement of comprehensive income. (e) Foreign Currencies Foreign currency transactions during the year have been effected at the rates of exchange ruling at the dates of the transactions. All revenue and expenditure transactions denominated in foreign currencies are translated at mid-exchange rates and the resulting profits and losses on exchange from these trading activities are dealt with in the statement of comprehensive income. 64 (f) Use of Estimates he preparation of financial statements in conformity with generally accepted accounting principles requires management T to make estimates and assumptions that affect the reported amount of assets and liabilities at the date of the financial state ments and the reported amounts of revenues and expenses during the reporting period. Actual results may differ from the estimates and assumptions used.