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Under Ind AS 109, a CALL or PREPAYMENT OPTION embedded in a host debt contract is considered closely related to the host (and therefore NOT separated) when:

AThe option's exercise price is approximately equal to the amortised cost of the host debt OR the exercise price reimburses the lender for the present value of lost interest
BNever — prepayment options always change the cash-flow pattern materially and require separation
CAlways — prepayment options are always closely related to debt instruments
DOnly when the option is exercisable at the original face value of the debt
Answer & Solution
Correct answer: A. The option's exercise price is approximately equal to the amortised cost of the host debt OR the exercise price reimburses the lender for the present value of lost interest
Para B4.3.5(e) of Ind AS 109 — a call/put/prepayment option in a host debt contract is NOT closely related (and must be separated) UNLESS (i) the strike is approximately equal to the host's amortised cost on each exercise date, or (ii) the strike compensates the lender up to the present value of lost interest. Either condition makes it closely related; neither condition makes separation mandatory.
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