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Microlesson · 5-min read

SA 520 – Analytical Procedures: Evaluating Expectations and Investigating Results

## Analytical Procedures – Evaluating Expectations and Investigating Results (SA 520)

### 1. Evaluating Whether the Expectation is Sufficiently Precise

Before relying on an analytical procedure, the auditor must judge whether the expected result is precise enough to detect a material misstatement. Three factors drive this assessment:

FactorExplanation
Accuracy of predicted resultHow reliably can the auditor forecast the figure? (e.g., GP margin is easy to predict; thus SAP on GP is highly precise)
Degree of disaggregationThe more granular the data (e.g., product-line vs. total revenue), the more precise the expectation
Availability of informationBoth financial and non-financial data must be available and reliable

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### 2. Determining the Acceptable Difference

The acceptable difference is the maximum deviation between the auditor's expectation and the recorded amount that can be accepted without further investigation.

Three factors influence this threshold:

1. Materiality – higher materiality → wider acceptable band

2. Desired level of assurance – higher assurance required → narrower band

3. Assessed Risk of Material Misstatement (ROMM) – higher ROMM → lower acceptable difference (auditor must investigate smaller deviations)

> Key relationship: Assessed ROMM ↑ ⟹ Acceptable Difference ↓

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### 3. Investigating Results of Analytical Procedures

When to investigate: When a difference from expected values is significant (i.e., it identifies a fluctuation or relationship inconsistent with other relevant information).

Steps the auditor shall take:

1. Inquiry of management – obtain explanations and then obtain sufficient audit evidence to corroborate those responses

2. Perform other audit procedures – as necessary to resolve the difference

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### 4. Analytical Procedures at the Overall Conclusion Stage

At the end of the audit, analytical procedures serve two purposes:

  • Support the individual conclusions formed during the audit of each element of the financial statements
  • Assist the auditor in drawing a reasonable overall conclusion on which the audit opinion is based

> Important side-effect: Results of overall analytical procedures may identify a previously unrecognised risk → auditor must re-assess ROMM under SA 315.

Worked example

### Example 1

GP Margin as a precise SAP: A company reports revenue ₹50 lakh and COGS ₹35 lakh → expected GP = 30%. Prior year GP was 31%. The small deviation (1%) is easy to evaluate because GP margin is predictable; the auditor can set a tight acceptable difference of 2%. If the actual GP is 24%, the 6% deviation exceeds the threshold and must be investigated.

### Example 2

Acceptable difference and ROMM: For a low-risk client (ROMM = Low), the auditor sets an acceptable difference of ₹5 lakh. For a high-risk client in the same industry (ROMM = High), the acceptable difference is set at ₹1 lakh. Even a ₹1.5 lakh unexplained variance in the high-risk client triggers further procedures.

### Example 3

Investigating an unexplained difference: The auditor expects interest expense of ₹12 lakh based on the average loan balance and contracted rate. Actual interest per books is ₹18 lakh. This significant difference prompts: (i) inquiry of management → they mention a new loan taken mid-year; (ii) auditor obtains the loan agreement and recalculates → confirms the ₹6 lakh addition is valid.

⚠️ Common exam mistakes

  • Confusing 'acceptable difference' with 'materiality' – they are related but not the same; materiality is one input into setting the acceptable difference.
  • Accepting management's explanation without obtaining corroborating evidence – SA 520 requires both inquiry AND evidence.
  • Forgetting that results of overall analytical procedures can trigger a ROMM re-assessment under SA 315 – this linkage is frequently tested.
  • Using highly aggregated data (e.g., total sales) when disaggregated data (product-line sales) is available – this reduces precision and may render the SAP unreliable.
Reference: — SA 520 – Analytical Procedures (ICAI)
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