20 Jun 2026

Test of Interbank Transfers

 This test is used to detect kiting.

The auditor checks whether the recording dates for cash disbursement and cash receipt are in the same financial year.

Important rule:
The disbursement and receipt of the same transfer must be recorded in the same fiscal year.

If the receipt is recorded before year-end but the disbursement is recorded after year-end, it may indicate kiting.

Example of Kiting

Assume the company transfers RM10,000 from Account A to Account B.

Before year-end:

  • Account B records RM10,000 as received.
  • Account A has not yet recorded the deduction.

At 31 December, the accounts show:

AccountBalance Effect
Account ARM10,000 still shown
Account BRM10,000 added
Total shownRM20,000
Actual cashRM10,000

This means the company appears to have more cash than it actually has.

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