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Green Cross Health Full Year Results to 31 March 2020

Full Year Results24 June 2020GXHHealthcare

1
Green Cross Health Limited (NZX: GXH)

Full Year Result announcement for the audited twelve months ended 31 March 2020



GREEN CROSS HEALTH REPORTS FULL YEAR PROFIT OF $13.5M

25 June 2020, AUCKLAND, NZ: Listed primary healthcare provider Green Cross Health, the group behind

Unichem and Life Pharmacy, The Doctors and Access Community Health, reported revenue of $568.5m

for the year to 31 March 2020, consistent with the previous year. Net Profit After Tax Attributable to

Shareholders was $13.5 million, after a -$0.6m impact of applying the new IFRS 16

1

accounting standard.

The result was also impacted by goodwill disposals of -$1.4m and intangible asset write-offs of -$2.4m

(after tax).

Result Summary:

• Revenue of $568.5m (+0.2%)

• Operating Profit (EBIT) of $31.0m (+5.5%)

• Net Profit After Tax Attributable to Shareholders of $13.5m (-16.2%)

• Net Profit After Tax Attributable to Shareholders before one-off non-cash items

2

was $17.6m (+9.3%)

• Pharmacy Revenue down 1%. Operating Profit down $4.8m at $22.5m, or down $2.6m at $24.7m

excluding one-off non-cash items (FY19: $27.3m)

• Medical performed well, with Revenue up 8.5% and Operating Profit up 81.1% to $8.0m

• Community Health Revenue flat and Operating Profit up $2.4m to $2.5m

• Operating Cash Flow $54.3m (before the application of IFRS 16: $34.8m)

• Reduction of net debt by $10m, with group debt facility headroom of a further $10m

• COVID-19 impact not material for the year ended 31 March 2020.


Green Cross Health Group CEO Rachael Newfield, says, “the result for the year was positive, with revenue

constant year on year. The turnaround in the Community Health division, combined with the continued

growth of the Medical division, more than offset the ongoing competitive pressure in the Pharmacy

division. Pleasingly, our Balance Sheet has strong liquidity, which will enable the Company to traverse

the next period, with challenges stemming from COVID-19 and the related impact on customer spending.

It also positions the company well to selectively consider acquisitions over the medium term.”


__________________________

1

The application of IFRS 16 has meant operating leases have been brought onto the Balance Sheet in the year

with a corresponding lease liability. The operating lease charge has been replaced with the amortisation of the

right-of-use asset and lease interest charges in the Statement of Comprehensive Income. The year ended 31

March 2020 was impacted by this change, with EBITDA increasing by $19.5m, EBIT increasing by $3.8m and Net

Profit After Tax Attributable to Shareholders decreasing $0.6m. No prior period adjustment was made for the

application of IFRS 16.

2

One-off non-cash items include goodwill disposals of $1.1m (total goodwill disposals of $1.4m less $0.3m

attributable to non-controlling interest), intangible write-downs of $2.4m plus the IFRS 16 application impact of

$0.6m.




2

Unichem & Life Pharmacy Division

Pharmacy Revenue declined marginally (-1%) in the year, reflecting some store closures in the prior

year and early FY20, offset by two new pharmacies in Karori Wellington which were acquired in

February 2020. Same store revenue was up 1.5% year on year, driven by dispensary volumes which saw

an increase in repeat prescriptions by 4.7% - highlighting the value of our automated script reminder

service, which now has over 200,000 customers.

Operating Profit was down $4.8m to $22.5m, with part of this decline attributable to goodwill on

disposals of $1.4m, the write-down of intangibles $3.3m (before tax) and a higher depreciation charge

as investments in prior periods were operationalised. Offsetting these one-off non-cash items, was a

+$2.5m impact from IFRS16 at the Operating Profit line. The write-down of intangible assets was after

a strategic review of internal projects’ performance and with impairment required for those not

aligned to the division’s strategic direction.

Focus continues to be on protecting margin via a differentiated pricing strategy as well as implementing

a revised product offering which includes greater emphasis on exclusive distribution arrangements. Our

online offer continues to evolve, with our fulfilment capabilities and processes now well established,

particularly given customer demand during the COVID-19 lockdown period.

Furthermore, we continue to strengthen our digital capability to leverage the 1.7 million Living Rewards

loyalty database, obtaining insights to ensure we can personalise our offering to customers and engage

with a customer segment that spends on average 40% more than non-Living Rewards members. In the

next period, retail performance will face challenges from modified consumer spending as a result of

COVID-19, coupled with ongoing competitive pressures. Priority is being placed on recalibrating

occupancy and rent costs, to ensure the cost structure of our pharmacies are right-sized in light of these

pressures. Our national footprint and trusted Unichem and Life Pharmacy brands provide a solid

foundation upon which we can successfully adapt our business to the changing market conditions.

The Doctors Medical Division

Medical Revenue grew 8.5% to $76.5m, with Operating Profit up 81.1% to $8.0m. This performance was

the result of improved operational efficiency, organic revenue growth and an IFRS16 impact of +$1.2m.

Acquisitions in recent years have now fully integrated into the division, and nearer the end of the

financial year, Drury Medical Centre was added, increasing the portfolio to 42 centres.

Enrolled patients at 31 March 2020 totalled 267,000, which include increases from the Drury acquisition

as well as the purchase of a doctor’s book which was amalgamated into The Doctors Fred Thomas.

The Medical division continues to work closely with the Ministry of Health and Primary Health

Organisations to ensure equitable access to primary healthcare throughout New Zealand. The initiative

to increase access to health care for Community Services Card holders has improved affordable access

to lower socio-economic groups.

Operationally, the Medical division improved its focus on triaging of patients via Healthcare Homes, an

operating model designed to improve utilisation and provide superior patient outcomes. The division

commenced trialling the provision of digital health services in a number of centres prior to year-end.



3

Going forward, the strategy remains to grow revenue organically, while further reducing the operating

cost per patient and targeting compelling acquisition opportunities.

Community Health Division

Pleasingly, the Community Health division saw a healthy increase in Operating Profit to $2.5m, an

increase of $2.4m over the comparative period. The key driver of the improvement in performance was

operational efficiency with costs decreasing -3.0% on reduced revenue of -0.6%, highlighting the success

of cost management and investment in technology, while still maintaining a client-centred approach.

The cost containment and re-sizing of business operations have been required due to ongoing funding

constraints.

During the year, we continued to focus on higher clinical needs, bedding in the ACC Integrated Home

and Community Support business that was awarded following a successful tender at the end of last

financial year. The division’s specialist nursing care business, Total Care Health continued to expand

into new regions and new segments of care, targeting convenient client access.

Notwithstanding the improved performance, the slim operating profit margin of 1.6% exposes the division

to adverse changes in the Home and Community Support sector. More funding is required to ensure the

ongoing viability of the Community Health division and the sector as a whole. This sentiment was

reflected in the Government’s Health and Disability System Review of March 2020, which highlighted

that the health and disability system is significantly underfunded.

Going forward, the focus for the division remains on profitability of contracts rather than top line

revenue growth as well as advocating for additional sector funding.

COVID-19, Dividend and Future Focus

The Board recognises there is continuing uncertainty as a result of COVID-19, and whilst it has confidence

in the resilience of the company to navigate this period of volatility, it is committed to maintaining a

strong balance sheet in order to absorb the impact of COVID-19 and the associated economic downturn.

The company has done this with an absolute focus on preserving cash inducing drawing down a portion

of unutilised bank facilities to shore up liquidity. In addition to weathering the storm of lockdown this

approach helps protect the company from the need for a dilutive capital raise and positions the Company

to be able to capitalise on future opportunities. With this in mind, the Board has made the precautionary

decision not to declare a full year dividend. Subject to liquidity, the Board expects to return to declaring

dividends from November 2020.

Going forward the company remains committed to delivering to patient and customer expectations. The

company is focussed on right-sizing its cost base, targeting labour and occupancy cost reductions, as

well reviewing the Pharmacy and Medical portfolios to determine any sites which will not be sustainable

going forward.

Green Cross Health is committed to providing all New Zealanders accessible, quality primary healthcare.

As part of this commitment, the company continues to advocate for the removal of the prescription co-

payment Government tax and for increased funding in the Home and Community Support sector.

[Ends]



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Contact:

Ben Doshi

ben.doshi@gxh.co.nz

Rachael Newfield

rachael.newfield@gxh.co.nz


About Green Cross Health

Green Cross Health (NZX: GXH) is a trusted New Zealand primary health care provider with multi-

disciplinary health care teams with the purpose of working together to support healthier communities.

Green Cross Health is focused on creating sustainable health care solutions with positive outcomes and

experiences.

New Zealand owned and operated, Green Cross Health operates under branded groups Unichem and Life

Pharmacies, The Doctors medical centres, Total Care Health community nursing services and Access

Community Health to provide support, care and advice to diverse New Zealand communities.

Providing convenient access to professional health care with 361 Unichem and Life pharmacies covering

almost every New Zealand community, Green Cross Health’s 8,000 team members make more than 3.6m

home visits to more than 42,500 community health clients and care for 267,000 enrolled patients at

medical centres.

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GXH Annual Results Presentation 25 June 2020 Pg1GXH Annual Results Presentation 25 June 2020 Pg1

GXH Annual Results Presentation 25 June 2020 Pg2GXH Annual Results Presentation 25 June 2020 Pg2
Community Health

Operating Profit

$2.5m

Revenue

$568.5m

0.2%

Operating Profit/EBIT

$31.0m¹

5.5%

Net Profit After Tax

$13.5m²

(attributable to shareholders)

-16.2%

Note:

1

Net operating profit before IFRS16 application (Accounting for Leases) $27.2m (-7.5%);

Note:

2

NPAT attributable to shareholders before one-off non-cash items is $17.6m. These one-offs include goodwill disposals of $1.1m (total goodwill disposals of $1.4m less $0.3m attributable to non-

controlling interest), intangible write-downs of $2.4m, plus the impact of IFRS 16 application of $0.6m.

Note:

3

Medical Operating Profit before IFRS16 application $6.8m (+54%)

Pharmacy

Same store sales

1.5%

Medical Operating Profit

$8.0m

3

81.1%

GXH Annual Result -Financial Highlights

+$2.4m

GXH Annual Results Presentation 25 June 2020 Pg3
Our Purpose

Working together to support healthier communities.

We are passionately committed to the health and wellness of New

Zealand, and to providing the best support, care and advice to our

communities.

This is our promise.

GXH Annual Results Presentation 25 June 2020 Pg4
Who we are

GXH Annual Results Presentation 25 June 2020 Pg5
Pharmacy Division

New Zealand’s largest network of health retailers:

supporting easy access to quality health care

GXH Annual Results Presentation 25 June 2020 Pg6
Pharmacy Performance

•Revenue down 1% at $336.4m, following prior period store closures as part of our ongoing portfolio review

•Operating Profit down $4.8m to $22.5m, with part of this decline attributable to goodwill on disposals of $1.4m, the write-

down of intangibles $3.3m (before tax), offset by IFRS 16 at the operating profit line of +$2.5m.

•Two new stores acquired in February 2020 in Karori, Wellington –plus rebuild of Life Newmarket, Unichem Parklands and

Unichem Highland Park

•Same store sales growth of 1.5%, and same store script numbers up 1.3%

322.6

341.3

340.2

336.4

300

310

320

330

340

350

2017201820192020

$m

Pharmacy Operating Revenue

27.9

28.9

27.3

22.5

0

4

8

12

16

20

24

28

32

2017201820192020

$m

Pharmacy Operating Profit

IFRS 16 Adjustment

GXH Annual Results Presentation 25 June 2020 Pg7
Retail Disciplines

•Evolve retail offering to changing consumer behaviour post COVID-19

•Focus on margin management

Customer Engagement

•Strengthen digital capability around 1.7m Living Rewards database

•Grow e-commerce

•Advocate for removal of $5 prescription co-payment to increase

accessibility and equity for all New Zealanders

Network Scale

•Optimise equity store network

•Leverage national footprint and trusted Unichem and Life Pharmacy

brands

Financial Returns

•Adapt to changing market conditions

•Strong focus on reducing labour and occupancy costs

Pharmacy Future Focus

GXH Annual Results Presentation 25 June 2020 Pg8
Medical Division

Growth, leadership and sustainable models of care

GXH Annual Results Presentation 25 June 2020 Pg9
Medical Performance

•Revenue up 8.5% to $76.5m, primarily as a result of organic growth

•Operating Profit up 81.1% to $8.0m, reflecting improved operational efficiency, organic revenue growth and an IFRS 16

impact of +$1.2m

•Operating Profit margin increased from 6.3% to 8.9% excluding IFRS16

•267,000 enrolled patients as at 31 March 2020, including increase from Drury Surgery acquisition

•Ownership in 42 Medical Centres

49.3

52.7

70.5

76.5

0

10

20

30

40

50

60

70

80

90

2017201820192020

$m

Medical Operating Revenue

2.9

3.7

4.4

8.0

0

1

2

3

4

5

6

7

8

9

2017201820192020

$m

Medical Operating Profit

IFRS 16 adjustment

GXH Annual Results Presentation 25 June 2020 Pg10
Network Scale

•Continue to build The Doctors brand

•Network and patient number growth through targeted

acquisitions and organic revenue growth

Patient Engagement

•Deploy digital technology to increase efficiency and

enhance delivery of high quality patient care

•Work closely with funders to ensure equitable access

Financial Returns

•Continuous improvement in operational efficiency and

scale

•Improve utilisation via systematic triaging of patients

Medical Future Focus

GXH Annual Results Presentation 25 June 2020 Pg11
Community Health

Division

Delivering sustainable services to maintain and

support clients’ independence within their own home

GXH Annual Results Presentation 25 June 2020 Pg12
Community Health Performance

•Revenue down 0.5% to $155.6m following exit of unprofitable contracts

•Cost improvements of 3%

•Operating profit increased $2.4m to $2.5m

•Improved performance reflecting cost management and utilisation of technology

•Continued advocacy for additional sector funding to ensure viability of business and sustainability of sector

•Focus continues to be on profitability of contracts rather than top line revenue growth

115.7

143.2

156.5

155.6

0

20

40

60

80

100

120

140

160

180

2017201820192020

$m

Community Health Operating Revenue

3.0

1.2

0.1

2.5

0.0

0.5

1.0

1.5

2.0

2.5

3.0

3.5

2017201820192020

$m

Community Health Operating Profit

IFRS 16 adjustment

GXH Annual Results Presentation 25 June 2020 Pg13
Community Health Future Focus

Service Offering

•Focus on higher clinical needs segments

•Expand geographic coverage of Community Nursing

business

Digital Communication

•Harness technology to enhance workforce efficiency and

client outcomes

Financial Returns

•Continue cost reduction initiatives

•Focus on profitability of all contracts, targeting growth in

higher margin areas

•Advocate for additional sector funding to ensure

sustainability

GXH Annual Results Presentation 25 June 2020 Pg14
Group Financial Result

12 months ending 31 March 2020

GXH Annual Results Presentation 25 June 2020 Pg15
Year End Result -Group Revenue and Profit

•Revenue of $569m flat year on year

•Operating Profit of $31.0m, up 5.4%

•Before application IFRS 16, Operating Profit down 7.5% to $27.2m

•Performance impacted by goodwill disposals of $1.4m and intangible write-offs of $3.3m (before tax)

34.9

30.0

29.4

31.0

0

5

10

15

20

25

30

35

40

2017201820192020

$m

GXH Operating Profit

IFRS 16 Adjustment

487.6

537.2

567.2

568.5

400

450

500

550

600

2017201820192020

$m

GXH Operating Revenue

GXH Annual Results Presentation 25 June 2020 Pg16
Net Profit After Tax (attributable to shareholders)

•NPAT attributable to shareholders of $13.5m, down 16.2%

•NPAT attributable to shareholders of $14.1m before application of IFRS 16 (down 12.5%)

•NPAT attributable to shareholders of $17.6m before all non-cash one-offs: goodwill disposals of $1.1m (after NCI portion),

intangible write-offs of $2.4m (after tax) plus the IFRS 16 application impact of $0.6m.

17.0

15.6

16.1

14.1

0.0

5.0

10.0

15.0

20.0

2017201820192020

$m

GXH Net Profit after Tax Attributable to Shareholders

IFRS 16 Adjustment

13.5

GXH Annual Results Presentation 25 June 2020 Pg17
Operating Cash / Investments

•Operating Cash of $54.3m ($34.8m before the

application of IFRS 16)

Enabling investment ($10.8m) in:

•Drury Surgery (new holding)

•Karori pharmacies (two new holdings)

•Waiuku Medical Pharmacy (increased holding)

•Centre City Pharmacy Dunedin (increased holding)

•Life Pharmacy in Westfield Newmarket(new site)

29.9

33.1

31.4

54.3

0

5

10

15

20

25

30

35

40

45

50

55

60

2017201820192020

$m

GXH Operating Cash Flow

IFRS 16 adjustment

GXH Annual Results Presentation 25 June 2020 Pg18
Net Debt / Debt Capacity

•$10m improvement in Net Debt to $22.6m

•Debt facilities with BNZ mature 22 August 2022

•$10m of headroom on BNZ group debt facility

•Strong Balance Sheet will help absorb COVID-19

and economic downturn impact

•Financing ratios:

–Debt / EBITDA –1.44x

1

–Operating profit / Interest –16.2x

1

–Fixed Charge Cover –2.3x

1

-47.3

-38.4

-32.5

-22.6

-50

-45

-40

-35

-30

-25

-20

-15

-10

-5

0

2017201820192020

$m

Net Debt (Borrowings Less Cash)

Note: ¹ The application of IFRS 16 materially impacts these calculations. The headroom and ratios show the position pre application of IFRS 16.

GXH Annual Results Presentation 25 June 2020 Pg19
Earnings Per Share

•EPS at 9.42 cps (9.85 cps before the

application of IFRS 16)

14.18

11.02

11.25

9.85

0

2

4

6

8

10

12

14

16

2017201820192020

Cps

Earnings Per Share

IFRS 16 adjustment

9.42

GXH Annual Results Presentation 25 June 2020 Pg20GXH Annual Results Presentation 25 June 2020 Pg20
Disclaimer

The information in this presentation was prepared by Green Cross Health Limited (GXH) with due care and attention. However, the

information is supplied in summary form and is therefore not necessarily complete, and no representation is made as to the accuracy,

completeness or reliability of the information. In addition, neither GXH nor any of its subsidiaries, directors, employees, shareholders nor any

other person shall have liability whatsoever to any person for any loss (including, without limitation, arising from any fault or negligence)

arising from this presentation or any information supplied in connection with it.

This presentation may contain forward-looking statements and projections. These reflect GXH current expectations, based on what it thinks

are reasonable assumptions. GXH gives no warranty or representation as to its future financial performance or any future matter.Except as

required by law or NZX listing rules, GXH is not obliged to update this presentation after its release, even if things changematerially. This

presentation does not constitute financial advice. Further, this presentation is not and should not be construed as an offer to sell or a

solicitation of an offer to buy GXH securities and may not be relied upon in connection with any purchase of GXH securities.

This presentation contains a number of non-GAAP financial measures, including Gross Margin, Operating Revenue, EBITDA, and Net Debt.

Because they are not defined by GAAP or IFRS, GXH calculation of these measures may differ from similarly titled measures presented by

other companies and they should not be considered in isolation from, or construed as an alternative to, other financial measuresdetermined

in accordance with GAAP. Although GXH believes they provide useful information in measuring the financial performance and condition of

GXH business, readers are cautioned not to place undue reliance on these non-GAAP financial measures.

The information contained in this presentation should be considered in conjunction with the consolidated financial statementsfor the period

ended 31 March 2020.

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GREEN CROSS HEALTH RESULTS ANNOUNCEMENT 25/06/2020
(for Equity Security issuer/Equity and Debt Security issuer)



Results for announcement to the market

Name of issuer

GREEN CROSS HEALTH LIMITED (GXH)

Reporting Period 12 months to 31 March 2020

Previous Reporting Period 12 months to 31 March 2019

Currency

New Zealand Dollars

Amount (000s) Percentage change

Revenue from continuing operations

$568,531 0%

Total Revenue

$568,531 0%

Net profit from continuing operations attributable

to shareholders

$13,490* -16%

Total net profit attributable to shareholders

$13,490* -16%

Final Dividend

Amount per Quoted Equity Security

Imputed amount per Quoted Equity Security

Record Date

Dividend Payment Date

Current period Prior comparable period

Net tangible assets per Quoted Equity Security** -$0.10 -$0.12

A brief explanation of any of the figures above

necessary to enable the figures to be understood

* Net Profit Attributable to Shareholders was $13.5

million, after a -$0.6m impact of applying the new IFRS16

accounting standard. Before the application of IFRS 16,

Net Profit After Tax Attributable to Shareholders was

$14.1m compared to $16.1 million in the prior period.


** Due to the nature of the Company’s business,

intangibles assets are a major component of total assets.

Net assets per quoted equity security are $0.94 (31

March 2019: $0.94).


Please refer to the attached audited Financial Statements

for the twelve months ended 31 March 2020.


Authority for this announcement

Name of person


authorised to make

this announcement

Ben Doshi – Group CFO

Contact person for this

announcement

Ben Doshi – Group CFO

Contact phone number +64 9 580 6846

Contact email address

ben.doshi@greencrosshealth.co.nz

Date of release through MAP


25/06/2020


Audited financial statements accompany this announcement.

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Green Cross Health Limited
Consolidated Financial Statements

For the year ended 31 March 2020

Directors’ declaration


For and on behalf of the Board of Directors:

Kim EllisCarolyn Steele

ChairDirector

24 June 202024 June 2020

The Directors consider that they have taken adequate steps to safeguard the assets of the Group,

and to prevent and detect fraud and other irregularities. Internal control procedures are also

considered to be sufficient to provide a reasonable assurance as to the integrity and reliability of the

financial statements.

The Directors are pleased to present the financial statements of Green Cross Health Limited for the

year ended 31 March 2020.

For the year ended 31 March 2020

IntheopinionoftheDirectorsofGreenCrossHealthLimited,thefinancialstatementsandnotes,on

pages to 2:

Comply with New Zealand generally accepted accounting practice and give a true and fair

view of the financial position of the Green Cross Health Limited Group as at 31 March 2020 and

the results of its operations and cash flows for the year ended on that date.

Have been prepared using appropriate accounting policies, which have been consistently

applied and supported by reasonable judgements and estimates.

The Directors believe that proper accounting records have been kept which enable, with

reasonable accuracy, the determination of the financial position of the Group and facilitate

compliance of the financial statements with the Financial Reporting Act 2013.

1




© 2020 KPMG, a New Zealand partnership and a member firm of the KPMG network of independent

member firms affiliated with KPMG International Cooperative (“KPMG International”), a Swiss entity.




Independent Auditor’s Report

To the shareholders of Green Cross Health Limited

Report on the consolidated financial statements

Opinion

In our opinion, the accompanying consolidated

financial statements of Green Cross Health Limited

(the company) and its subsidiaries (the Group) on

pages 7 to 26:

i. present fairly in all material respects the Group’s

financial position as at 31 March 2020 and its

financial performance and cash flows for the

year ended on that date; and

ii. comply with New Zealand Equivalents to

International Financial Reporting Standards and

International Financial Reporting Standards.

We have audited the accompanying consolidated

financial statements which comprise:

— the consolidated statement of financial position

as at 31 March 2020;

— the consolidated statements of comprehensive

income, changes in equity and cash flows for

the year then ended; and

— notes, including a summary of significant

accounting policies and other explanatory

information.

Basis for opinion

We conducted our audit in accordance with International Standards on Auditing (New Zealand) (‘ISAs (NZ)’). We

believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion.

We are independent of the Group in accordance with Professional and Ethical Standard 1 (Revised) Code of

Ethics for Assurance Practitioners issued by the New Zealand Auditing and Assurance Standards Board and the

International Ethics Standards Board for Accountants’ Code of Ethics for Professional Accountants (IESBA

Code), and we have fulfilled our other ethical responsibilities in accordance with these requirements and the

IESBA Code.

Our responsibilities under ISAs (NZ) are further described in the auditor’s responsibilities for the audit of the

consolidated financial statements section of our report.

Our firm has also provided other services to the Group in relation to tax compliance services. Subject to certain

restrictions, partners and employees of our firm may also deal with the Group on normal terms within the

ordinary course of trading activities of the business of the Group. These matters have not impaired our

independence as auditor of the Group. The firm has no other relationship with, or interest in, the Group.

Materiality

The scope of our audit was influenced by our application of materiality. Materiality helped us to determine the

nature, timing and extent of our audit procedures and to evaluate the effect of misstatements, both individually

and on the consolidated financial statements as a whole. The materiality for the consolidated financial

statements as a whole was set at $1.3 million determined with reference to a benchmark of Group profit before

tax. We chose the benchmark because, in our view, this is a key measure of the Group’s performance.

3
Key audit matters

Key audit matters are those matters that, in our professional judgement, were of most significance in our audit

of the consolidated financial statements in the current period. We summarise below those matters and our key

audit procedures to address those matters in order that the shareholders as a body may better understand the

process by which we arrived at our audit opinion. Our procedures were undertaken in the context of and solely

for the purpose of our statutory audit opinion on the consolidated financial statements as a whole and we do not

express discrete opinions on separate elements of the consolidated financial statements.

The key audit matter How the matter was addressed in our audit

Impairment of goodwill ($127.2 million)

Refer to note 13 of the consolidated financial

statements.

The Group has grown significantly through

acquisitions in its Pharmacy, Medical and

Community Health business units which has

re sulted in the recognition of goodwill in the amount

of $74.5 million, $33.7 million and $19.0 million,

respectively.

In the event the business units under-perform

compared to their business cases, there is a risk that

th e goodwill arising on acquisition may no longer be

s

upported.

As disclosed in note 13, the Group performs an

annual impairment test of goodwill and uses a

discounted cash flow model to determine the

recoverable amount of its business units to which

goodwill has been allocated.

In performing this assessment, assumptions are

made in respect of future economic and market

co nditions, including the impact of COVID-19.

Cashflow forecasts include consideration of the

Group’s strategic business plan for each business

unit and their impact on forecast sales and operating

costs. Additionally, management determined

terminal growth rate

s and discount rates which

re flect an assessment of the time value of money

an

d the risks specific to each business unit.

The annual impairment test performed by t he Group

was significant to our audit due to the magnitu de of

th e goodwill balance and because the assessment

process invo lved judgment about the future

performance of the business units.

Our audit procedures included:

— Ensuring the allocation of goodwill to the Group’s

business units is appropriate;

— Evaluating the methodology, mathematical accuracy

and assumptions applied in the discounted cash

flow models. We used our own valuation specialists

to assist us with the consideration of terminal

growth and discount rates;

— Challenging management’s cash flow assumptions

over projected cash flows taking into consideration

COVID-19, and the expected impact of the Group’s

business plans for each business unit by reference

to their historical performance and the internal and

external factors that influence their operations;

— Performing sensitivity analysis around the key

assumptions used in the models;

— Reviewing the appropriateness of related

disclosures in the consolidated financial

statements.

We found the judgements and assumptions used in the

assessment of goodwill impairment to be balanced.






4


The key audit matter How the matter was addressed in our audit

Adoption of NZ IFRS 16 Leases

Refer to Note 2(c) of the consolidated financial

statements.

The Group has adopted NZ IFRS 16 Leases

effective from 1 April 2019, using the modified

retrospective approach. The new standard requires

the Group to recognise its lease commitments as

a liability in the consolidated statement of financial

position, along with an associated right of use

asset. Previously operating leases were not

recognised in the statement of financial position.

The adoption of the standard has resulted in the

recognition of a right of use asset of $92.9 million

and a lease liability of $98.5 million.

As disclosed in Note 2(f), a number of judgements

and estimates have been made by management in

establishing the opening balances. These include:

— Incremental borrowing rates at the time of

adoption;

— Lease terms, including any rights of renewal

expected to be exercised, and

— Application of practical expedients adopted

on transition.

The group’s adoption of NZ IFRS 16 was

significant to our audit due to the complexity of the

judgements and assumptions involved in the

calculation of the right of use assets and

associated lease liabilities.


Our audit procedures included:

— Assessing the Group’s process relating to the

recording, recognition, and measurement of

leases;

— Assessing the Group’s judgements made in

applying practical expedients against the

requirements of NZ IFRS 16;

— Engaging our valuation specialist to assess the

appropriateness of the incremental borrowing

rates used;

— Testing completeness of the identified lease

contracts by checking leased stores, medical

centres and offices, to a breakdown of rental

expense and property listings;

— Selecting a sample of leases and examining the

calculation of the associated lease liability and

right of use asset. For each lease selected we

performed the following:

− Agreed key inputs such as commencement

date, expiry date, rent amount, and rent

payment frequency to the underlying lease

agreement;

− Reviewed assumptions used to determine

the lease term including rights of renewal and

assessed whether they were supported by

current business plans;

− Recalculated the lease liability and right of

use asset based on key inputs;

− Checked the appropriateness of the

classification of the lease liability between

current and non-current based on the

remaining term of the lease.

— Assessing the disclosures in the consolidated

financial statements against the requirements of

NZ IFRS 16.

We found the methodology used by the Group in

transitioning to NZ IFRS 16 to be appropriate. We

consider the judgements and assumptions used to be

balanced.






5


Other information

The Directors, on behalf of the Group, are responsible for the other information included in the entity’s Annual

Report. Other information includes the Directors Declaration and the other information included in the Annual

Report. Our opinion on the consolidated financial statements does not cover any other information and we do

not express any form of assurance conclusion thereon.

In connection with our audit of the consolidated financial statements our responsibility is to read the other

information and, in doing so, consider whether the other information is materially inconsistent with the

consolidated financial statements or our knowledge obtained in the audit or otherwise appears materially

misstated. If, based on the work we have performed, we conclude that there is a material misstatement of this

other information, we are required to report that fact. We have received the Directors Declaration and have

nothing to report in regards to it. The Annual Report is expected to be made available to us after the date of this

Independent Auditor's Report and we will report the matters identified, if any, to the Directors.

Use of this independent auditor’s report

This independent auditor’s report is made solely to the shareholders as a body. Our audit work has been

undertaken so that we might state to the shareholders those matters we are required to state to them in the

independent auditor’s report and for no other purpose. To the fullest extent permitted by law, we do not accept

or assume responsibility to anyone other than the shareholders as a body for our audit work, this independent

auditor’s report, or any of the opinions we have formed.

Responsibilities of the Directors for the consolidated financial

statements

The Directors, on behalf of the company, are responsible for:

— the preparation and fair presentation of the consolidated financial statements in accordance with generally

accepted accounting practice in New Zealand (being New Zealand Equivalents to International Financial

Reporting Standards) and International Financial Reporting Standards;

— implementing necessary internal control to enable the preparation of a consolidated set of financial

statements that is fairly presented and free from material misstatement, whether due to fraud or error; and

— assessing the ability to continue as a going concern. This includes disclosing, as applicable, matters related

to going concern and using the going concern basis of accounting unless they either intend to liquidate or to

cease operations or have no realistic alternative but to do so.

Auditor’s responsibilities for the audit of the consolidated financial

statements

Our objective is:

— to obtain reasonable assurance about whether the consolidated financial statements as a whole are free

from material misstatement, whether due to fraud or error; and

— to issue an independent auditor’s report that includes our opinion.

Reasonable assurance is a high level of assurance, but is not a guarantee that an audit conducted in accordance

with ISAs NZ will always detect a material misstatement when it exists.

6
Misstatements can arise from fraud or error. They are considered material if, individually or in the aggregate,

they could reasonably be expected to influence the economic decisions of users taken on the basis of these

consolidated financial statements.

A further description of our responsibilities for the audit of these consolidated financial statements is located at

the External Reporting Board (XRB) website at:

http://www.xrb.govt.nz/standards-for-assurance-practitioners/auditors-responsibilities/audit-report-1/

This description forms part of our independent auditor’s report.

The engagement partner on the audit resulting in this independent auditor's report is Aaron Woolsey.

For and on behalf of

KPMG

Auckland

24 June 2020

Consolidated statement of comprehensive income
For the year ended 31 March 2020

20202019

Note$’000$’000

Operating revenue4

568,531567,236

Operating expenditure6.2  

Depreciation and amortisation

11,13

(8,565)(8,431)

Depreciation - leases

12

(15,629)-

Impairment

13

(4,672)-

Share of equity accounted net earnings

15

1,216874

Operating profit before interest and tax30,99229,373

Interest income11444

Interest expense(1,787)(1,989)

Interest expense - leases

12

(5,678)-

Net interest expense(7,351)(1,945)

Profit before tax23,64127,428

Income tax expense

7

(6,689)(7,339)

Profit after tax for the year16,95220,089

Other comprehensive income

for the year, net of tax --

Total comprehensive income for the year16,95220,089

Attributable to:

Shareholders of the Parent 13,49016,105

Non-controlling interest3,4623,984

Attribution of profit and comprehensive income to

shareholders and non controllin

g interest

16,95220,089

Earnings per share:

Basic earnings per share (cents)

8

9.4211.25

Diluted earnings per share (cents)

8

9.4111.22

The accompanying Statement of Accounting Policies and Notes to the

Financial Statements on pages 11 to 26 form part of the financial statements.

7

Consolidated statement of changes in equity
For the year ended 31 March 2020

Share

Ca

pital

Retained

Earnings

Non-

controlling

interest

Total

e

quity

Note$’000$’000$’000$’000

Balance at 1 April 201890,60927,8867,108125,603

Profit for the year16,1053,98420,089

Total comprehensive income for the year16,1053,98420,089

Transactions with owners, recorded directly

in equity

Dividends to shareholders

9

(10,021)(10,021)

Distribution to non-controlling interests(2,026)(2,026)

Impact of other transactions with non-

controlling interest

(128)422294

Balance at 31 March 201990,60933,8439,489133,940

Share

Ca

pital

Retained

Earnings

Non-

controlling

interest

Total

e

quity

Note$’000$’000$’000$’000

Balance at 1 April 201990,60933,8439,489133,940

Impact on application of IFRS 16 - net of tax(2,167)(419)(2,586)

Restated as at 1 April 201990,60931,6769,070131,354

Profit for the year13,4903,46216,952

Total comprehensive income for the year13,4903,46216,952

Dividends to shareholders

9

(10,039)(10,039)

Distribution to non-controlling interests

(2,333)

(2,333)

Impact of other transactions with non-

controlling interest

(1,324)108(1,216)

Balance at 31 March 202090,60933,80310,308134,719

The accompanying Statement of Accounting Policies and Notes to the

Financial Statements on pages 11 to 26 form part of the financial statements.

8

Consolidated statement of financial position
As at 31 March 2020

20202019

Note

$’000

Restated

Equity

Share capital90,61090,610

Retained earnings33,80233,843

Total equity attributable to shareholders of the parent124,412124,453

Non-controlling interest10,3089,490

Total equity134,719133,943

Current assets

Cash and cash equivalents33,89916,652

Trade and other receivables

10

43,10736,076

Inventories34,72032,804

Total current assets

111,72685,532

Non-current assets

Property, plant and equipment

11

22,22722,291

Right of use assets

12

86,090-

Intangible assets

13

133,524137,664

Deferred tax asset

14

16,05512,912

Equity accounted group investments

15

6,9886,398

Total non-current assets

264,884179,265

Total assets

376,610264,797

Current liabilities

Payables and accruals

16

90,65279,975

Income taxes payable

16

1,1861,760

Borrowings

17

3,3595,556

Lease liability - current

12

13,705-

Total current liabilities

108,90287,291

Non-current liabilities

Borrowings

17

53,11443,563

Lease liability - non current

12

79,875-

Total non-current liabilities

132,98943,563

Total liabilities

241,892130,854

Net assets

134,719133,943

The accompanying Statement of Accounting Policies and Notes to the

Financial Statements on pages 11 to 26 form part of the financial statements.

9

Consolidated statement of cash flows
For the year ended 31 March 2020

20202019

Note

$’000

Restated

Cash flows from operating activities

Dividend received

15

653706

Receipts from customers561,500568,525

Interest received11444

Payments to suppliers and employees(498,510)(525,636)

Income taxes paid(9,456)(12,199)

Net cash inflow from operating activities1854,30131,440

Cash flows from investing activities

Purchase of property, plant, equipment and software

intangibles

(7,264)(8,947)

Acquisition of interests in equity accounted investments(26)-

Acquisition of interests in subsidiaries and non-controlling

interests

5

(3,546)(3,372)

Proceeds from sale of shares in subsidiary-688

Net cash outflow from investing activities

(10,835)(11,631)

Cash flows from financing activities

Proceeds from borrowings19,29919,575

Repayment of borrowings(11,944)(19,680)

Payment of lease liabilities

12

(13,778)-

Interest expense

12

(1,787)(1,989)

Interest expense - leases

12

(5,678)-

Distribution to non-controlling interest(2,333)(1,986)

Dividends paid(10,039)(10,045)

Net cash outflow from financing activities

(26,259)(14,125)

Net increase in cash and cash equivalents

17,2075,684

Add opening cash and cash equivalents16,65210,754

Cash acquired: business combinations

5

40214

Closing cash and cash equivalents

33,89916,652

Reconciliation of closing cash and cash equivalents to the

consolidated statement of financial position:

Cash and cash equivalents33,89916,652

Closing cash and cash equivalents

33,89916,652

The accompanying Statement of Accounting Policies and Notes to the

Financial Statements on pages 11 to 26 form part of the financial statements.

10

Notes to the financial statements
For the year ended 31 March 2020

1.Reporting Entity

2.Basis of preparation of Financial Statements

(a) Statement of compliance

(b) Basis of measurement

(c)

Interest expense

Net cash inflow from operating activities

Interest expense

Non-current borrowings32,914

9,00041,914

31 March 2018NZ IAS 1

(Old)

ImpactNZ IAS 1

(New)

Statement of financial position$’000$’000$’000

Current borrowings16,310

(9,000)7,310

Green Cross Health Limited (the “Parent” or the "Company") is a New Zealand company registered under the Companies Act

1993 and is an FMC entity for the purposes of the Financial Reporting Act 2013 and the Financial Markets Conduct Act 2013. The

Financial Statements have been

prepared in accordance with these Acts. The Company is listed on the NZX Main Board ("NZX").

The consolidated financial statements of Green Cross Health Limited comprise the Parent, its subsidiaries, and its interest in

associates and joint ventures (together referred to as the “Group”).

The financial statements have been prepared in accordance with New Zealand Generally Accepted Accounting Practice (“NZ

GAAP”). They comply with New Zealand equivalents to International Financial Reporting Standards (“NZ IFRS”), and other

applicable Financial Reporting Standards, and authoritative notices as appropriate for a Tier one for profit entity. They also

comply with International Financial Reporting Standards.

The financial statements were approved by the Board of Directors on 24 June 2020.

The financial statements of the Group are prepared under the historical cost basis unless otherwise noted within the specific

accounting policies below.

Changes in accounting policies

NZ IAS 1 Amendment

The Group has early adopted Amendments to IAS 1 Classification of liabilities as current or non-current in the current year. The impact of

adoption on these consolidated financial statements has been outlined in the table below.

31 March 2020Original Adjustment

Restated

NZ IAS 7 Statement of Cash Flows

The Group has also voluntarily changed its accounting policy under NZ IAS 7 Statement of Cash Flows, where Interest expense is now

classified as a financing cash flow instead of an operating cash flow.

Statement of cash flows$’000$’000$’000

Cash flows from operating activities

(1,787)1,787-

52,5141,78754,301

Cash flows from financing activities

Net decrease in cash and cash equivalents-

-(1,787)(1,787)

Net cash outflow from financing activities(24,472)(1,787)(26,259)

18,220

34,89553,114

31 March 2020NZ IAS 1

(Old)

ImpactNZ IAS 1

(New)

Statement of financial position$’000$’000$’000

Current borrowings38,254

(34,895)3,359

The Group has applied this change in accounting policy retrospectively by adjusting the comparative amounts disclosed for the

comparative period as if the new classification has always been applied. The impact on the current period and the comparative

period is summarised below.

The Group has consistently applied the following accounting policies to all periods presented in these consolidation financials

statements, except as mentioned below.

Current borrowings25,556

(20,000)5,556

Non-current borrowings23,563

20,00043,563

31 March 2019NZ IAS 1

(Old)

ImpactNZ IAS 1

(New)

Statement of financial position$’000$’000$’000

Non-current borrowings

11

Notes to the financial statements
For the year ended 31 March 2020

Interest expense

Net cash inflow from operating activities

Interest expense

(d)

(e) Functional and presentation currency

(f)Significant estimates and judgments

(i)Classification of investments

(ii) Impairment of goodwill and indefinite life intangible assets

(iii) Accounting for leases under NZ IFRS 16

These financial statements are presented in New Zealand dollars ($), which is the functional currency of the entities of the Group.

All financial information presented in New Zealand dollars has been rounded to the nearest thousand.

The preparation of financial statements in conformity with NZ IFRS requires the Directors to make judgments, estimates and

assumptions that affect the application of policies and reported amounts of assets, liabilities, income and expenses. The

estimates and associated assumptions are based on historical experience and various other factors that are believed to be

reasonable under the circumstances, the results of which form the basis for making judgments about carrying values of some

assets and liabilities. Actual results ma

y differ from these estimates.

The carrying values of goodwill and intangible assets with an indefinite useful life, are assessed at least annually to ensure that

they are not impaired. This assessment requires the Directors to estimate future cash flows to be generated by cash

generating units to which goodwill and intangible assets with indefinite useful lives have been allocated. Estimating future

cash flows entails making judgments including the expected rate of growth of revenues and expenses, margins and market

shares to be achieved, and the appropriate rate to apply when discounting future cash flows. Note 13 of these financial

statements provides more information on the assumptions the Directors have made in this area and the carrying values of

goodwill and indefinite life intangible assets. As the outcomes in the next financial period may be different to the assumptions

made, it is impracticable to predict the impact that could result in a material adjustment to the carrying amount.

The estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognised in

the period in which the estimate is revised if the revision affects only that period, or in the period of revision and future periods if

the revision affects both current and future periods. Information about the significant areas of judgment exercised or estimation in

applying accounting policies that have had a significant impact on the amounts recognised in the financial statements are

described as follows:

Classifying investments as either subsidiaries, associates or joint ventures requires the Directors to assess the degree of

influence which the Group holds over the investee. In arriving at a conclusion the Directors take into account the

constitutional structure of the investee, governance arrangements, current and future representation on the Board of

Directors, and all other arrangements which might allow influence over the operating and financial policies of the investee.

Where appropriate, comparative information has been reclassified to conform to the current period's presentation.

Comparatives

In authorising the financial statements for the year ended 31 March 2020, the Directors have ensured that the specific accounting

policies necessary for the proper understanding of the financial statements have been disclosed, and that all accounting policies

adopted are appropriate for the Group’s circumstances and have been consistently applied throughout the year for all Group

entities for the purposes of preparing the consolidated financial statements.

NZ IFRS 16 Leases

The Group has initially adopted NZ IFRS 16 Leases from 1 April 2019. NZ IFRS 16 introduced a single, on-balance sheet accounting model

for lessees. As a result, the Group, as a lessee, has recognised right-of-use assets representing its rights to use the underlying assets and

lease liabilities representing its obligation to make lease payments.

The Group has applied NZ IFRS 16 using the modified retrospective approach, under which the cumulative effect of initial application is

recognised in retained earnings at 1 April 2019. Accordingly, the comparative information presented for 2019 has not been restated for

the affects of adoption of NZ IFRS 16, i.e. it is presented, as previously reported, under NZ IAS 17 and related interpretations. See note 12.

31 March 2019

OriginalAdjustment

Restated

Statement of cash flows$’000$’000$’000

Cash flows from operating activities

Net increase/ (decrease) in cash and cash equivalents-

(1,989)1,989-

29,4511,98931,440

Cash flows from financing activities

-(1,989)(1,989)

Net cash outflow from financing activities(12,136)(1,989)(14,125)

NZ IAS 7 Statement of Cash Flows (continued)

A number of judgements and estimates have been made by management in establishing the opening balances of the right

of use asset and lease liability. These include determining the applicable incremental borrowing rates at the time of

adoption, assessment of the lease terms, including any rights of renewal and whether it is reasonably certain they will be

exercised, and application of certain practical expedients adopted on transition. See Note 12.

12

Notes to the financial statements
For the year ended 31 March 2020

(iv) COVID-19 pandemic

(g) Subsidiaries

(h) Non-controlling interests

(i)Transactions eliminated on consolidation

(j)Goods and services tax (GST)

(k) Statement of cash flows

(l)Inventory

3.New standards and interpretations issued and not yet effective

The Group reforecast its cashflows and considered the impact of COVID-19 on the valuation of intangibles and the Group’s

ability to comply with the terms of its debt facilities. Management do not consider that COVID-19 will have a material effect

on the valuation of the Group's assets or its ability to comply with debt covenants.

The Group's ownership interests in subsidiaries ranges from 25% to 100% (2019: 25% to 100%). The Group consolidates 29 out of 40

entities where it holds less than half of the voting rights. This is on the basis that the Group's contractual arrangements with these

entities result in them meetin

g the definition of being subsidiaries as set out above.

The Group consolidates the results of its subsidiaries from the date that control commences until the date on which control

ceases. At such point as control ceases, it derecognises the assets, liabilities and any related non-controlling interests and other

components of equity. Any interest retained in the former subsidiary is measured at fair value when control is lost.

Financing activities reflect changes in borrowings and equity.

Intra-group balances, and any unrealised income and expenses arising from intra-group transactions, are eliminated in preparing

the consolidated financial statements. Unrealised gains arising from transactions with equity accounted investees are eliminated

against the investment to the extent of the Group’s interest in the investee. Unrealised losses are eliminated in the same way as

unrealised gains, but only to the extent that there is no evidence of impairment.

The statement of cash flows has been

prepared using the direct method subject to the netting of certain cash flows.

Cash flows in respect of investments and borrowings that have been rolled-over under arranged banking facilities have been

netted in order to provide meaningful disclosures.

Operating activities include all cash received from all revenue sources and all cash disbursed for all expenditure sources

including taxation refunds or payments and other transactions that are not classified as investing or financing activities.

Investing activities reflect the acquisition and disposal of property, plant and equipment and intangibles, loans to associates, and

investments in associates, subsidiaries and joint ventures.

Cash and cash equivalents comprise cash balances and call deposits. Bank overdrafts that are repayable on demand and form

an integral part of the Group’s cash management are included as a component of cash and cash equivalents for the purpose

of the statement of cash flows.

The statement of comprehensive income has been stated so that all components are exclusive of GST. All items in the statement

of financial position are stated net of GST with the exception of receivables and payables, which include GST invoiced.

While the group has 44 (2019: 43) subsidiaries with non-controlling interests, there are no subsidiaries with individually material non-

controlling interest.

Subsidiaries are entities that are controlled by the Group. Control exists when the Group is exposed to, or has rights to, variable

returns from its involvement in the investee and has the ability to affect those returns through its power over the investee. Power

arises when the Group has existing rights to direct the relevant activities of the investee, i.e. those that significantly affect the

investee’s returns. Control is assessed on a continuous basis.

Non-controlling interests are present ownership interests and are initially measured at either fair value or the non-controlling

interests’ proportionate share of the acquiree’s identifiable net assets. The choice of measurement basis is determined on a

transaction-by-transaction basis. Under the proportionate interest method, goodwill is not attributed to the non-controlling interest

and the Group recognises only its share of goodwill whereas under fair value, the non-controlling interest includes its

proportionate share of goodwill.

Changes in the Group’s interest in a subsidiary that do not result in a change in the control conclusion are accounted for as

transactions with equity-holders in their capacity as equity holders.

Inventories are measured at the lower of cost and net realisable value. The cost of inventories is based on a weighted average

principle, and includes expenditure incurred in acquiring the inventories, production or conversion costs and other costs incurred

in brin

ging them to their existing location and condition.

A number of new standards, amendments to standards and interpretations are not yet effective for the year ended 31 March

2020. These have been assessed for applicability to the Group and the Directors have concluded that they will not have a

significant impact on future financial statements, except for amendments to NZ IAS 1 which the Group has elected to adopt

early.

On 11 March 2020 the World Health Organisation declared a global pandemic as a result of the outbreak and spread of

COVID-19. Following this, on Wednesday 25 March 2020 the New Zealand Government raised its Alert Level to 4 (full

lockdown of non-essential services) for an initial 4 week period. A number of the Group’s pharmacies, medical centres and its

homecare operations continued to operate in a reduced capacity during level 4 due to the essential nature of their activities

and the service they provide to the community. The Group’s activities have progressively returned to full operation as the

country reduced its Alert levels. A recovery in the sales to normal levels is expected throughout Level 1, however, the impact

of COVID-19 on the econom

y remains uncertain.

13

Notes to the financial statements
For the year ended 31 March 2020

4.Segment reporting




Operating segments

Information about reportable segments

External revenues

Total Revenue

Cost of products sold

Employee benefit expense

Lease expenses

Other expenses

Interest income

Interest expense

Interest expense - leases

Reportable segment assets

Equity accounted investments

Capital expenditure

Reportable segment liabilities

*Intersegmental elimination

30,236

686

169,235

376,610

-6,988

--(195,386)

568,531

22,4958,0422,447(1,992)

(32,637)(10,197)(5,040)(1,992)(49,867)

902-1,216

-

(3,525)

(61,256)(54,494)(145,361)

The Group’s main operations are in the pharmacy industry providing pharmacy services through consolidated stores, equity

accounted investments and franchise stores. The medical services segment includes fully owned and equity accounted medical

centres, and support services provided to these medical centres, as well as medical centres outside the Group. The community

health se

gment provides services direct to the community to support independent living.

The Board monitors the various revenue streams within each reportable segment separately however, they do not meet the

criteria for separate disclosure due to the following:

Profit after tax

Share of equity accounted net earnings

Tax expense

23,641

-

March 2020

336,449

336,449568,53176,509

The Group has three reportable segments: pharmacy services, medical services and community health.

Aggregation of the operating segments within each reportable segment is consistent with the core principal of NZ IFRS 8, i.e.

aggregating will not distort the interpretation of the financial statements for the users;

-(261,110)

The operating segments within each reportable segment share the same economic characteristics; and

-

Medical

Services

$'000

76,509-

155,573

155,573

(195,386)

The nature of the products and services, and the nature of the regulatory environment are the same for the operating

segments.

Note

6.1

Community

Health

$'000

Corporate

$'000

Total

$'

000

Pharmacy

Services

$'000

2,4394,549

935

(8,287)*

Impairment

(4,672)

Segment Profit

Net Profit attributable to the shareholders

of the parent

(5,678)

Profit before tax

-

26,768

59,843

16,952

294,818(8,287)

-7,444

241,892

(3,462)Non-controlling interest

13,490

54,176

5,823

(2,897)(392)(237)-

(1,787)

(6,689)

314

(4,672)

30,992

114

-

--

Depreciation - leases

Depreciation and amortisation

(11,097)

(6,323)(1,330)

(2,957)

(913)

(1,575)-

-

(15,629)

(8,565)

14

Notes to the financial statements
For the year ended 31 March 2020

4.Segment reporting (continued)

Operating segments (continued)

External Revenues

Total Revenue

Cost of products sold

Employee benefit expense

Lease expenses

Other expenses

Interest Income

Interest expense

Reportable segment assets

Equity accounted investments

Capital expenditure

Reportable segment liabilities

5.Business combinations

Total assets

Total liabilities

Identifiable net assets

Consideration transferred

Satisfied by:

Cash consideration

Deferred consideration

Total consideration

Less cash acquired (included in assets above)

Net cash consideration

Goodwill

Total consideration

Identifable net assets

Goodwill

The amount of revenue included in the consolidated statement of comprehensive income is $8.1 million with a net

profit after tax of $0.6 million in respect of the entities aquired during the year.

$'000

1,828

(208)

1,620

Carrying valueFair value

$'000

1,828

Goodwill recognised as a result of the acquisitions are as follows:

(1,620)

1,926

(208)

1,620

3,546

-

3,546

(40)

3,505

3,546

Business combinations acquired during the year include; Centre City Pharmacy (2004) Limited, Waiuku Medical

Pharmacy (2010) Limited, Karori Pharmacies (2020) Limited, Drury Surgery Limited. None of these acquisitions are

individually material to the Group's result.

Identifiable assets acquired and liabilities assumed

*Intersegmental elimination

Note

6.1

Corporate

$'000

264,797

(8,431)

16,105

27,428

(7,339)

(30,633)

(1,989)

(3,984)

-

874

Pharmacy

Services

$'000

Medical

Services

$'000

(16,025)

340,196

(4,108)

(9,674)

(61,459)(51,768)

(6,106)(1,168)

44

(21,310)

29,373

(149,273)(750)(263,250)

(46,817)

(198,929)

567,236

(1,177)-

-

(2,417)

-

-

-

Share of equity accounted net earnings

Segment Profit

-

945

Net Profit attributable to the shareholders

of the

parent

Non-controlling interest

4,111

618256

27,3014,43951

29,814

-

Profit after tax

March 2019

6,398

5,1193,706-9,770

92,63822,963(12,668)*130,854

20,089

Total

$'000

567,236

Depreciation and amortisation

156,501

(1,157)

Profit before tax

27,921

Community

Health

$'000

156,501

2,287

Tax expense

-

211,121

340,196

(4,843)

70,539-

(1,667)

36,529(12,668)

(198,929)---

70,539

Depreciation - leases

Impairment

-

-

-

-

-

-

-

-

15

Notes to the financial statements
For the year ended 31 March 2020

6.Operating performance

6.1

Revenue

Pharmacy retail and dispensary

Other pharmacy revenue

Medical fee income

Home care

Disaggregation of Contract Revenue

Year ended 31 March 2020

Timing of revenue recognition

Transferred at a point in time

Transferred over time

Year ended 31 March 2019

Timing of revenue recognition

Transferred at a point in time

Transferred over time

Pharmacy retail and dispensing services

Other pharmacy revenue

Medical services

Home care services

Contract assets and contract liabilities

Contract balances

Trade receivables which are included in trade and other receivables

Contract assets

Contract liabilities

Significant changes in the contract assets and the contract liabilities during the period are as follows:

Medical

Services

$'000

70,539

34,813

35,726

Medical

Services

$'000

76,509

35,315

Community

Health

$'000

156,501

50,602

2019

Contract

liabilities

Total

$'000

Revenue recognised that was included in the contract liability balance at the beginning of

the period

Transfer from contract assets recognised at the beginning of the period to receivables

11,561

5,072

Pharmacy

Services

$'000

336,449

$’000$’000

298,261304,627

2020

The Group operates its own Living Rewards loyalty programme. When a retail sale is made and points are earned, the resulting revenue is

allocated between the loyalty programme and the other components of the sale. The amount allocated to the loyalty programme is deferred,

and is recognised as revenue when the points are redeemed under the terms of the programme or when it is no longer probable that the points

under the programme will be redeemed.

21,466

11,561

(5,072)

These mainly include franchise fees and supplier income. Control for franchise services pass over time as the services are delivered over the

term of the franchise agreement. Payment terms for franchise fees is generally 20 to 30 days. Supplier income is earned, as promotional services

are rendered over a specified time period by the Group. Payment terms are generally 20 to 30 days.

Medical services include capitation and health services and patient fees. Control for capitation and health services passes over time as the

healthcare services are delivered to the patient over a certain time period. Payments terms are generally 20 to 30 days. Patient fees are earned

at a point in time. Control passes to the customer when service has been delivered to a customer. Patient fees are predominantly by credit card,

debit card or in cash.

Homecare services consist primarily of community health and support services. Control passes to the customer as the services are delivered and

simultaneously consumed by the customer. Payment terms are generally 30 to 60 days.

The following table provides information, about receivables, contract assets and contract liabilities from contracts with customers:

2019

Pharmacy

Services

$'000

324,159

12,290

340,196

9,076

331,120

$’000

Community

Health

$'000

155,573

47,180

108,393

472,745

Total

$'000

568,531

100,664

467,867

568,531567,236

38,18835,569

Revenue from contracts with customers:

76,50970,539

155,573156,501

25,257

(6,019)

Reportable segments

As at 31 March 2020, the amount of revenue deferred and recognised as a contract liability for the loyalty programme is $6.0m. This will be

reco

gnised as revenue as the loyaltypoints are redeemed or expire, which is expected to occur over the next fifteen months.

31 Mar 202031 Mar 2019

11,816

5,831

105,899

567,236

94,491

$’000

Pharmacy retail and dispensary services include retail sales, dispensing, professional advisory and care services. For all these services control is

considered to pass to the customer at the point when the customer can use or otherwise benefit from the goods and services. For retail sales,

control

passes at point of sale. Retail sales are predominantly by credit card, debit card or in cash.

41,194

Current contract assets represent revenue where the service has been provided but not yet invoiced to the customer. When the customer has

been invoiced, any outstanding balances are included in receivables. Contract liabilities reflect payments received for services that have not

yet been provided and the payments will be recognised as revenue over time.

Costs directly related to the acquisition of a contract or renewal of an existing contract are capitalised and amortised over the life of the

contract. Cost relating to fulfilling a contract are only capitalised if they meet the recognition criteria under NZ IFRS 15. Costs incurred in

obtaining a contract are only capitalised to the extent they are incremental.

Contract

assets

Contract

assets

Contract

liabilities

2020

14,273

16

Notes to the financial statements
For the year ended 31 March 2020

6.2Operating expenditure

Cost of products sold

Employee benefit expense

Lease expenses

Other expenses

Audit fees

Other services provided by auditors

Auditor’s remuneration to KPMG comprises:

Annual audit of financial statements

Annual audit of financial statements - Prior year

Other services provided by auditors:

Taxation services

Other services

Tax services relate to compliance and related services.

7.Income tax expense

Current tax expense

Deferred tax expense (see note 14)

Total income tax expense

Imputation credit account:

Available for use in subsequent periods $10.1m (2019: $1.2m).

Profit before tax

Income tax expense at 28%

(Add)/deduct the tax effect of adjustments:

Non deductible write-offs

Other

Taxation accounting policy

8.Earnings and assets per share

Basic earnings per share (cents)

Diluted earnings per share (cents)

Net tangible (liabilities) / assets per share (cents)

Net assets per share (cents)

3,52521,310

195,386198,929

233

(530)594

140123

185

(6,689)

235

20202019

$’000

261,110263,250

316341

(6,620)

23,641

(6,689)

2,140

(7,680)

233

--

1,739

530,306

113

123140

233

140

-

(9,078)

$’000

10

509,888

185

185

(7,339)

94.11

2020

Bad debts written off and movement in doubtful debt provision

(8,829)

(7,339)

(10.38)

The calculation of diluted earnings per share is based on the profit attributable to equity holders of the parent and a weighted average

number of ordinary shares issued during the year after adjustment for the effects of all dilutive ordinary shares of 143,394,426 (2019:

143,485,759).

2019

(11.62)

244

11.22

(385)-

The calculation of net tangible assets per share is based on net assets less deferred tax and intangible assets (refer Note 13 and Note 14)

and the closing number of ordinary shares at the end of the year.

Directors’ fees in respect of the subsidiary companies

48,22446,351

Income tax expense is charged to profit and loss and comprises current tax and deferred tax, unless it relates to an item recognised in other

comprehensive income or equity in which case it is recognised in other comprehensive income or equity.

27,428

The calculation of basic earnings per share is based on the profit attributable to equity holders of the parent and a weighted average

number of ordinary shares issued during the year of 143,152,759 (2019: 143,152,759).

Directors’ fees in respect of the parent company

20202019

$’000$’000

The earnings per share, and dividend per share is calculated using the Group’s result divided by the weighted average number of shares

for the listed entity, Green Cross Health Limited.

453

431

9.42

93.57

The calculation of net assets per share is based on net assets and the closing number of ordinary shares at the end of the year.

Numerical reconciliation between tax expense & pre-tax accounting

profit

Current tax is the estimated tax payable on the current period’s taxable income using current tax rates, adjusted for any under or over accrual in

respect of prior periods.

Deferred tax is recognised using the balance sheet liability method, allowing for temporary differences between the carrying am

ounts of assets

a

n

d liabilities for accounting purposes and the carrying amounts for tax purposes. A deferred tax asset is recognised to the extent that it is

probable that future taxable profits will be available against which the temporary differences can be utilised. Deferred tax assets are reviewed

at each reporting date and are reduced to the extent that it is no longer probable that the related benefit will be realised.

9.41

11.25

17

Notes to the financial statements
For the year ended 31 March 2020

9.Dividends to shareholders of the parent company

Dividends per share (cents)

10.Trade and other receivables

Trade receivables

Contract assets

Accrued income

Other receivables and prepayments

Provision for doubtful debts

11.Property, plant and equipment

Opening cost

Acquisitions through business combinations

Additions

Disposals

Closing cost

Opening accumulated depreciation

Acquisitions through business combinations

Depreciation for the period

Disposals

Closing accumulated depreciation

Closing book value

Work in progress

Total Property, plant and equipment

Property, plant & equipment accounting policy

12.Leases

As a lessee

Right of use assets

Balance at 1 April 2019

Balance at 31 March 2020

Depreciation

Additions to property of $11.4m have been made to Right of use assets during the current year.

Lease liabilities

Balance at 1 April 2019

Balance at 31 March 2020

2,113

21,466

Depreciation is provided on a straight-line basis on all property, plant & equipment components to allocate the cost of the asset (less any

residual value) over its useful life or if it relates to assets in a leased premises, the life of the lease if shorter. The residual values and remaining

useful lives of asset components are reviewed at least annually.

Any resulting gain or loss on disposal of an asset is recognised in the profit and loss in the period in which the asset is disposed of.

(949)

47,128

6,029

Current estimated useful lives of property, plant and equipment are between two and twelve years.

8,195

(1,070)

$’000

25,257

1,176

2,743

75,112

53,143

11,56114,273

68,044

The Group’s leased assets include property leases for pharmacies, medical centres and offices. The lease terms of these leases typically range

from 6 to 30 years (inclusive of any renewal options). Some leases provide for additional rent payments that are based on changes in CPI or

market rental rates. The Group also leases motor vehicles and equipment, which typically run for a period of 3 to 5 years. Previously, the Group

classified all its leases as operating leases under NZ IAS 17.

As a lessee, the Group previously classified leases as operating or finance leases based on its assessment of whether the lease transferred

substantially all of the risks and rewards of ownership. Under NZ IFRS 16, the Group recognises right-of-use assets and lease liabilities for the

majority of its leases – i.e. these leases are on-balance sheet.

2019

322

20,652

6,036

-1,133

21,969

58,667

(1,154)

$’000

1,575

2020

Subsequent expenditure that extends or expands the useful life of property, plant & equipment or its service potential is capitalised. All other

costs are recognised in the profit and loss as expenditure when incurred.

Property, plant & equipment owned by the Group consists primarily of leasehold improvements and is stated at cost less accumulated

depreciation and any impairment losses. Property, plant & equipment acquired in stages is not depreciated until the asset is ready for its

intended use.

22,291

79,319

22,226

(505)

5,010

53,143

2,534

1,698

(870)

36,076

75,112

146

(2,825)

7.007.00

In June 2019 Green Cross Health Limited paid a final dividend for the March 2019 year of 3.5 cents per qualifying ordinary shares to

shareholders, which was fully imputed to 28%.

In December 2019 Green Cross Health Limited paid an interim dividend of 3.5 cents per qualifying ordinary shares to shareholders, which

was full

y imputed to 28%.

20202019

43,107

1,95992,907

The carrying amounts of right-of-use assets and lease liabilities are as below:

$’000$’000$’000$’000

94,5742,0151,95998,548

91,0931,4071,08093,580

83,7051,3451,04086,090

14,202734694

Property Motor VehiclesEquipmentTotal

Property Motor VehiclesEquipmentTotal

$’000$’000$’000$’000

88,9332,015

15,630

18

Notes to the financial statements
For the year ended 31 March 2020

12.Leases (continued)

ͻ

ͻ

ͻ

ͻ

(i)

ͻ

ͻ

ͻ

ͻ

ͻ

ͻ

ͻ

On transition to NZ IFRS 16, the Group elected to perform a reassessment of its contracts to determine which of its contracts are now identified as

leases under NZ IFRS 16. Therefore, the definition of a lease under NZ IFRS 16 has been applied to both contracts as at 1 April 2019 and contracts

entered into or changed on or after 1 April 2019.

The Group used the following practical expedients when applying NZ IFRS 16 to leases previously classified as operating leases under NZ IAS 17.

Lease liabilities

2,055

Non-controlling interest

1 April 19

$’000

Operating lease commitments at 31 March 2019 as disclosed in the Group’s consolidated financial

75,995

Contracts reassessed as leases as defined under NZ IFRS 165,543

Effect of discounting using incremental borrowing rates at 1 April 2019(13,026)

- Recognition exemption for leases with less than 12 months of remaining lease term at transition

(1,923)

419

Transition

Retained earnings2,167

1 April 19

$’000

Right-of-use assets92,907

Deferred tax asset1,003

Applied the exemption not to recognise right-of-use assets and liabilities for leases with less than 12 months of remaining lease term at the

date of initial a

pplication.

Excluded initial direct costs from measuring the right-of-use asset at the date of initial application.

Used hindsight, such as in determining the lease term for contracts that contain options to extend or terminate a lease.

On transition to NZ IFRS 16, the Group recognised additional right-of-use assets and additional lease liabilities, recognising the difference in

retained earnings. The impact on transition is summarised below.

(98,545)

Lease incentives in advance (presented as part of “payables and accruals”)

When measuring lease liabilities for leases that were classified as operating leases, the Group discounted lease payments using its

incremental borrowing rate at 1 April 2019. The weighted-average rate applied is 6.27%.

- Extension options reasonably certain to be exercised31,956

Lease liabilities recognised at 1 April 201998,545

The Group recognises a right-of-use asset and a lease liability at the lease commencement date. The right-of-use asset is initially measured at

cost, and subsequently at cost less any accumulated depreciation and impairment losses and adjusted for certain remeasurements of the lease

liability.

The lease liability is initially measured at the present value of the lease payments that are not paid at the commencement date, discounted

using the interest rate implicit in the lease or, if that rate cannot be readily determined, the Group’s incremental borrowing rate. Generally, the

Grou

p uses its incremental borrowing rate as the discount rate.

The lease liability is subsequently increased by the interest cost on the lease liability and decreased by lease payment made. It is re-measured

when there is:

a change in future lease payments arising from a change in an index or rate; or

a change in the estimate of the amount expected to be payable under a residual value guarantee; or

changes in assessment of whether a purchase or extension option is reasonably certain to be exercised or a termination option is

reasonabl

y certain not to be exercised; or

any other change in the future lease payments or the lease term due to a lease modification that’s not accounted for as a separate lease.

The Group has applied judgement to determine the lease term for some lease contracts in which it is a lessee that include renewal options. The

assessment of whether the Group is reasonably certain to exercise such options impact the lease term, which significantly affects the amount of

lease liabilities and right-of-use assets recognised.

At transition, for leases classified as operating leases under NZ IAS 17, lease liabilities were measured at the present value of the remaining lease

payments, discounted at the Group’s incremental borrowing rate as at 1 April 2019. Right-of-use assets are measured at either:

Their carrying amount as if NZ IFRS 16 had been applied since the commencement date, discounted using the Group’s incremental

borrowing rate at the date of initial application – the Group applied this approach to its largest property leases; or

An amount equal to the lease liability, adjusted by the amount of any prepaid or accrued lease payments – the Group applied this

approach to all other leases.

Applied a single discount rate to a portfolio of leases with reasonably similar characteristics (motor vehicles leases and equipment leases).

Relied on previous assessments of whether leases are onerous applying NZ IAS 37 Provisions, Contingent Liabilities and Contingent Assets

immediately before the date of initial application as an alternative to performing an impairment review.

19

Notes to the financial statements
For the year ended 31 March 2020

12.Leases (continued)

(ii)

Tax effect

Interest expense - leases

For the impact of NZ IFRS 16 on segment information, see Note 4.

Impacts for the period

NZ IFRS 16 (New)

The impact for the period is summarised below, by comparing the affected financial statement line items accounted for under the old leases

accounting standard NZ IAS 17 against the amounts accounted for under the new leases accounting standard NZ IFRS 16.

Lease liabilities - current-

(13,705)(13,705)

Lease liabilities - non current-

(79,875)(79,875)

Payables and accruals*(92,538)

1,886(90,652)

Statement of financial position$’000$’000$’000

Right of use assets-

86,09086,090

Deferred tax asset13,958

2,09716,055

31 March 2020NZ IAS 17 (Old)Impact

Statement of comprehensive income$’000$’000$’000

Operating expenditure(529,343)

19,456(509,888)

Depreciation and amortisation

(8,565)(15,629)(24,195)

Effect on net assets / (liabilities)

(3,507)

* Movement is due to derecognition of lease incentives previously accounted for as income in advance under NZ IAS 17.

31 March 2020NZ IAS 17 (Old)ImpactNZ IFRS 16 (New)

31 March 2020

Maturity analysis of contractual undiscounted cash flows

Less than one year

17,474

Interest expense - leases

-(5,678)(5,678)

1,0941,094

Effect on profit / (loss)

(758)

-

31 March 2020NZ IAS 17 (Old)ImpactNZ IFRS 16 (New)

Statement of cash flows$’000$’000$’000

Payments to suppliers and employees(517,966)

19,456(498,510)

Two to five years

46,536

More than five years

60,124

Total

124,134

Effect on cash inflow / (outflow)

-

The Group sub-leases some of its properties. Under NZ IAS 17, the head lease and sub-lease contracts were classified as operating leases. On

transition to NZ IFRS 16, the right-of-use assets recognised from the head leases are measured at cost on transition to NZ IFRS 16. The sub-lease

contracts are classified as operating leases under NZ IFRS 16.

As a lessor

Interest expense

(1,787)-(1,787)

-(5,678)(5,678)

Payments of lease liabilities

-(13,778)(13,778)

20

Notes to the financial statements
For the year ended 31 March 2020

Note

13.Intangible assets

Software & Other intangible assets

Opening cost

Acquisitions through business combinations5

Additions

Disposals

Assets written-off

Closing cost

Opening accumulated amortisation

Amortisation for the period

Disposals

Assets written-off / impairment

Closing accumulated amortisation

Closing book value

Goodwill

Opening cost

Other acquired goodwill

Additions5

Disposals

Closing cost

Total intangible assets

Intangible assets accounting policy

Estimated useful lives of the asset classes are:

Software 3 - 5 years

Goodwill accounting policy

1,574

200

-(3,529)

2,5362,395

126,492

20,276

Any resulting gain or loss on disposal of an intangible asset is recognised in the profit and loss in the period in which the intangible asset is

dis

posed of.

Subsequent expenditure that extends or expands the useful life of an intangible asset or its service potential is capitalised. All other costs are

recognised in the profit and loss as expenditure when incurred.

Intangible assets disclosed in the financial statements relate to computer software, trademarks and other indefinite life intangible assets.

Indefinite life intangible assets are tested annually for impairment.

20202019

11,405

11,171

20,276

-

234

1,926

127,242126,492

Internally developed software in the amount of $3.3m was impaired in the current year as a result of a strategic review of existing projects.

-(233)

7,385

Goodwill arises on the acquisition of subsidiaries. Goodwill represents the excess of the purchase consideration over the fair value of the net

identifiable tangible and intangible assets at the time of acquisition.

(3)

19,564

(675)

9,105

9,105

123,017

3,241

133,524

Intangible assets recognised by the Group are stated at cost less accumulated amortisation and any impairment losses with the exception

of goodwill (see below).

Goodwill is allocated to the relevant cash generating units expected to benefit from the acquisition and tested for impairment annually, or

earlier at any interim reporting dates if there are indicators of impairment.

If the recoverable amount is less than the carrying amount of the cash generating unit then an impairment loss is recognised in profit and loss

and the carrying amount of the asset is written down. Recoverable amount is calculated as the greater of the fair value less cost to sell and

value in use.

The relative value of the goodwill allocated to the relevant cash generating unit is included in the determination of any gain or loss on disposal.

Intangible assets acquired in stages are not amortised until the asset is ready for its intended use.

17,687

Amortisation is provided on a straight-line basis for software to allocate the cost of the asset (less any residual value) over its useful life. The

residual values and remaining useful lives of software are reviewed at least annually. Other intangible assets represent franchisee store

rebranding costs and have an indefinite life.

137,664

(1,376)-

$’000$’000

1,261

16

6,282

(878)(321)

21

Notes to the financial statements
For the year ended 31 March 2020

13

Discount rate - post tax

Terminal growth rate

Carrying amount of goodwill allocated to the unit ($000)

Discount rate - post tax

Terminal growth rate

Carrying amount of goodwill allocated to the unit ($000)

Sensitivities

14.Deferred tax asset

The movement in deferred tax asset during the year is made up of the following:

Group – 2020

Provisions and accruals

Tax losses

Right of use assets*

Lease liabilities

*Opening balance includes the deferred tax impact of IFRS16 adoption

Group – 2019

Provisions and accruals

Tax losses

Carrying value of other intangible assets with indefinite useful

lives ($000)

9.43%9.50%

$’000

3,650

1,235

1.50%

19,061

1.50%

Impairment test assumptions 2019

1.50%

74,513

Community

health

7.93%

Discounted cash flow (DCF) models have been based on three-year forecast cash flow projections. The budget for the year-ending 31 March

2021 is the basis for the first year's projections and projections for subsequent periods have been based on the Group's three-year Outlook.

Terminal cash flows are projected to grow in-line with the New Zealand long-term inflation rate.

Pharmacy

services

--

Carrying value of other intangible assets with indefinite useful

lives ($000)

Impairment test assumptions 2020

$’000

Reco

gnised in

profit and loss

Opening

restated

For the purpose of impairment testing, goodwill is allocated to the Group's operating divisions which represent the lowest level within the Group

at which the goodwill is monitored for internal management purposes. Within pharmacy and medical, whilst a cash generating unit (CGU) may

be an individual store or medical centre, goodwill is allocated across all operations within a division that have similar economic characteristics

and collectively benefit from acquisitions that increase the Group's portfolio.

-

7,145

2,048

1.8%

75,06832,36319,061

2,048

8.35%9.90%

Closing

No impairment was identified for Pharmacy or Medical services as a result of this review, nor under any reasonable possible change, in

any of the key assumptions described above.

The estimated recoverable amount of the Community Health CGU exceeds its carrying value by $6.7m. The projected EBIT for the

Community Health CGU is forecast to remain at current levels over the forecast period. The projected EBIT would need to decrease by

32% for the recoverable amount to be equal to the carrying value of the Community Health CGU.

33,667

7,004

Property, plant and equipment

196

(219)

1.8%

$’000

Medical

services

Impairment testing (continued)

13,915

(141)

2,140

2,257

11,173

1,683

1,738

2,288

16

Pharmacy

services

Medical

services

Community

health

9.85%

31

4,885

6,785

(26,589)

27,593

(24,105)

26,202

2,484

(1,391)

1,967

12,912

3,650

1.8%

7,004

2,061

16,055

Property, plant and equipment

2,257

22

Notes to the financial statements
For the year ended 31 March 2020

15.Equity accounted group investments

The movement in equity accounted investments comprises:

Investment in associates and joint ventures

Disposal of associates and joint ventures

Share of net earnings

Dividend

There are no individually material associates or joint ventures.

Amount of goodwill within the carrying amount of equity accounted group investments:

(Disposal) / investment in associates and joint ventures

Summary associate and joint venture financial information

As at and for the year ended

As at and for the year ended

Reporting dates

Investments in associates and joint ventures accounting policy

16.Trade and other payables and income taxes payable

Trade payables

Payable to non-controlling interest

Contract liabilities

Accruals

Employee entitlements

Income tax payable

Employee entitlements accounting policy

Note2020

$’000

2019

$’000

6,264

1,186

26

6,019

11,357

5,072

(84)

31 March 2019

$’000

$’000

-

(34)

$’000

1,760

41,063

4,058

13,938

Accounting policies adopted by associates and joint ventures are generally consistent with those of the Group. Where a material

difference does exist, appropriate adjustments are applied to ensure congruence with the policies of the Group, the most significant of

these being the recognition of deferred tax.

33,599

90,652

Liabilities

-

8741,216

24,342

91,838

2019

Net Profit

after tax

$’000

The aggregate results of the associates and joint venture financial position and current year's profit are as follows:

Revenue

50

18,409

The controlled entities and all associates have a 31 March reporting date.

A joint venture is a joint arrangement in which the parties that have joint control of the arrangement have rights to the net assets of the

arrangement. Joint control is the contractually agreed sharing of control of the arrangement which only exists when decision about the

relevant activities re

quire the unanimous consent of the parties sharing control.

Employee entitlements for salaries, bonuses, long service, alternate and annual leave are provided for and recognised as a liability when

benefits are earned by employees but not paid at the reporting date.

23,805

3,024

79,975

81,735

39,478

Opening carrying amount

6,398

2,941

(706)

Assets

3,269

An associate is an investee over which the Group has significant influence, which is the power to participate in the financial and operating

policy decisions of the investee but not to control or jointly control those policies.

8,614

2020

$’000

(653)

6,9886,398

$’000

5,727

The results and assets and liabilities of associates and joint ventures are incorporated into the financial statements of the Group using the

equity method of accounting. Under the equity method, the initial investment in the Group financial statements is measured at cost and

adjusted thereafter for the Group’s share of profit and loss and other comprehensive income of the associate and joint venture. Any

goodwill arising on the acquisition of an associate or joint venture investment is included in the carrying amount of the investment net of

dividends received. Where the Group’s share of losses of the associate of joint venture exceeds the Group’s interest in that associate or

joint venture, the Group discontinues recognising its share of losses unless it has a legal or constructive obligation to continue doing so. The

equity method is discontinued where the Group ceases to exert significant influence over the investee.

2,405

15,790

21

52,498

31 March 2020

4,0244,024

Opening carrying amount

4,024

23

Notes to the financial statements
For the year ended 31 March 2020

17.Borrowings

Current

Non-current

Borrowings and advances accounting policy

18.Operating cash flows reconciliation

Profit after tax for the year

Add/(deduct) non-cash items:

Depreciation, amortisation and impairment

Other non-cash items

Receivables and accruals movement

Inventory

Payables and accruals movement

19.Shares on issue

Shares authorised and on issue

Opening number of shares

Shares issued - fully paid

Shares issued - partly paid

Shares cancelled - partly paid

Shares held as treasury stock

Treasury stock

Share capital

20.Financial Instruments

43,563

56,47449,119

2019

The Group's interest rate on outstanding loans is calculated based on BKBM or cost of funds plus a margin. The current interest rate is between

2.50% and 4.66% (2019: 4.14% - 5.54%). A 0.5% increase/decrease in the effective interest rate would result in a decrease/increase in after tax

profit of $203,000.

Green Cross Health Limited and all its subsidiaries provided guarantees and indemnities in favour of BNZ covering all loans held by the parent

and subsidiary companies. Loans within partnership subsidiaries are covered by a GSA agreement over the individual business assets.

$’000

The Group's primary lender is the BNZ. As at balance date, the Group has undrawn banking facilities of $10m (2019: $18m). The maturity of the

debt facility with BNZ is 22 August 2022.

3,359

53,114

$’000Restated

The Group is party to financial instruments as part of its normal operations. Financial instruments include cash and cash equivalents, borrowings,

trade and other receivables and trade and other payables.

Security has also been provided by Green Cross Health Limited in favour of ANZ in relation to one Pharmacy subsidiary.

2020

5,556

Financial assets and financial liabilities are recognised at amortised cost.

20,089

54,301

(150)

(183)

'000

2020

As at balance date, two subsidiaries are in breach of covenanted ratios in respect of their bank borrowings. All debt in breach amounting to

$0.7m has been classified as current in these financial statements.

8,431

10,677

1,395

28,867

(2,623)

Borrowings and advances are initially recognised at fair value, including directly attributable transaction costs. Subsequent to initial

recognition, borrowings and advances are measured at amortised cost using the effective interest method, less any impairment losses on

advances.

Restated

16,952

6,752

3,493

(7,031)655

(1,916)

Add/(deduct) changes in working capital items:

$’000

2019

$’000

2020

-

Net cash inflow from operating activities

-

Financial instruments are initially recognised at their fair value less transaction costs, and subsequently measured at their amortised cost. A

financial instrument is recognised if the Group becomes a party to the contractual provisions of the instrument. Financial assets are

derecognised if the Group’s contractual rights to the cash flows from the financial assets expire or if the Group transfers the financial asset to

another party without retaining control or substantially all risks and rewards of the asset. Financial liabilities are derecognised if the Group’s

obligations specified in the contract expire or are discharged or cancelled.

-

'000

143,486

31,440

2019

The redeemable ordinary shares held by Life Pharmacy Trustee Company Limited to satisfy the Senior Management incentive schemes have not

been included in the calculation of the total number of shares issued by the Group as these shares have not been issued externally by the

Group.

143,153143,153

All ordinary shares carry equal rights in terms of voting, dividend payments and distribution upon winding up.

-

143,

486

-

Risk management policies are used to mitigate the Group’s exposures to credit risk, liquidity risk and market risk that arise in the normal

course of operations.

143,486143,303

(333)

Incremental costs directly attributable to the issue of ordinary shares, share options and share capital are recognised as a deduction from

equity.

24

Notes to the financial statements
For the year ended 31 March 2020

20.Financial Instruments (continued)

Credit risk

The status of trade receivables at reporting date is as follows:

Trade and other receivables

Not past due

Past due 0-30 days

Past due 31-120 days

Past due more than 120 days

Total

Liquidity risk

Market risk

Capital management

49,017

Less than

one year

$’000

-

28,807

16,08928,807

The carrying amount of the Group’s on-balance sheet financial instruments including trade and other receivables, cash and cash equivalents,

borrowings and trade payables, closely approximate their fair values as at 31 March 2020 and 31 March 2019. The assessment of fair value

relating to borrowings was determined by reference to observable market data (level 2).

Trade and other payables

-

56,073

1,376

60,828-60,828

$’000

16,089

Borrowings restated

As interest rates change, the fair value of financial instruments may change. Refer to note 17 for details of the interest rates for the group loans

and borrowings, which are the most significant financial instruments.

The allocation of capital between its specific business segments’ operations and activities is, to a large extent, driven by the optimisation of the

return achieved on the capital allocated. The process of allocating capital to specific business segment operations and activities is undertaken

independently of those responsible for the operation.

The Group’s policies in respect of capital management and allocation are reviewed regularly by the Board of Directors.

52,130

49,01749,017

98,13756,251

Total non-derivative liabilities

101,148

7,234

The Group’s capital includes share capital and retained earnings. The Group is not subject to any externally imposed capital requirements.

49,119

Between two

years and five

years

$’000

(1,070)

Impairment

-

$’000

-

-

1,437

1,646

-

1,070

2020

$’000$’000

2019

Between one

year and two

years

-

29,559

44,177

Liquidity risk represents the Group’s ability to meet its contractual obligations. The Group evaluates its liquidity requirements on an ongoing basis.

In general, the Group generates sufficient cash flows from its operating activities to meet its obligations arising from its financial liabilities and has

credit lines in place to cover potential shortfalls. The following table sets out the contractual cash flows for financial liabilities that are settled on

a gross cash flow basis:

$’000

-

(870)

121,737

117,302

60,828

Trade and other payables

Total non-derivative liabilities

1,37664,288

2020

-

1,819

(870)

36,947

3,46056,07356,47460,909

$’000$’000

Borrowings

$’000

Contractual

cash flows

(1,070)

Less than

one year

Carrying Value

873

Carrying ValueContractual

cash flows

Between two

years and five

years

2019

Between one

year and two

years

$’000$’000$’000$’000

4,869

The Group’s maximum credit risk resulting from a third party defaulting on its obligations to the Group is represented by the carrying amount of

each financial asset on the statement of financial position. The Group is not exposed to any material concentrations of credit risk other than its

exposure within the retail pharmacy and government sectors. The Group monitors credit limits on a monthly basis. All credit facilities to external

parties are provided on normal trade terms (unsecured, to a maximum of 45 days). At any one time, the Group generally has amounts owed to

and amounts owed by the same counterparty, although no legal right of set-off exists. The Parent company holds direct debit authorities for

amounts payable under the contractual terms of its franchise agreements. The Parent regularly monitors the credit ratings issued, and any

qualifications to those ratings, to the financial institutions (and those of the ultimate parent financial institution) used by the Group.

39,851

Gross receivableGross receivable

20192020

Impairment

25

Notes to the financial statements
For the year ended 31 March 2020

21. Related parties

Related party transactions for the group:

Transaction ValueBalance Outstanding

Payable to non-controlling interests (note 16)

Key management personnel remuneration

Short-term and other employee benefits

Share vesting costs

22.Share based payments

(a) Description of share-based payment arrangements

There were no ROS issued to key or senior managers during the 2020 or 2019 financial years.

in thousands

Outstanding at 1 April

Cancelled during the year

Exercised during the year

Granted during the year

Outstanding at 31 March

Exercisable at 31 March

Instruments outstanding at 31 March 2020 had an exercise prices of $2.37(2019: $1.25 - $2.37) and a weighted average

contractual life of 1 year (2019: 1.1 years). The weighted average share price at the date of exercise for ROS during the year

was nil (2019: nil).

Share based payments accounting policy

23.Subsequent events

There have been no subsequent events which require disclosure in these financial statements.

Equity earnings from associates

Equity-settled share based payments awarded to employees are measured at fair value at the date of grant and are recognised as an

employee expense, with a corresponding increase in equity, over the period from the date of grant to the date on which the employees

become unconditionally entitled to the option. The fair value at grant date is determined using an appropriate valuation model.

2

2019

2,642

8741,216

2019

2020

Weighted

average

exercise price

2020

Number of

instruments

2019

7

that holds the shares on behalf of the employees. Each ROS is partly-paid to $0.01 and carries an entitlement to dividends and

150,000 Redeemable Ordinary Shares (ROS) have been issued by the parent to Life Pharmacy Trustee Company Limited as trustee of a trust

Redeemable ordinary shares granted to senior managers:

653

Dividend Income

Management service charges and on charged costs

to equity accounted investments

-

-

Franchise fees and on-charged costs to equity

accounted investments

458

Receivable from other related parties

703

39

At each reporting date, the Group revises the estimate of the number of options expected to vest. The cumulative expense is revised to reflect

the revised estimate, with a corresponding adjustment to equity.

and voting rights in proportion to the extent paid. On exercise, the ROS are fully paid and converted into ordinary shares. The total charged to

the profit and loss in the period was $0 (2019: $0).

$’000

2020

2,415

$’000

2020

$’000

2019

$’000

41

818

100

706

1029

-

$’000

748

$’000

3,024

2,4152,644

At 31 March 2020, the Group had the following share-based payment arrangements:

2,941

The Group provides compensation to key management personnel which comprises the directors and executive officers. Some senior

executives also participate in the share option scheme. Key management personnel (includes the Group CEO, the Group CFO, some

senior executives and company directors) compensation comprised:

Weighted

average

exercise price

2019

(b) Reconciliation of outstanding ROS

Number of

instruments

2020

150

$1.90

-

$1.90

$2.17

-

150

-

333

-

$1.

90

--

333

$2.

37

$2.37

-

--

333

183

-

(183)$1.26

During the period, there was one group director who had a shareholding in a subsidiary and also had a shareholding in the Parent company.

The Group has commercial franchise agreements with stores relating to marketing levies and franchise fees. The Group also enters into

transactions on behalf of the stores which are on-charged. These transactions comprise items such as training courses, supplier agreements,

central advertising campaigns, loyalty card costs, and IT related costs. The Parent has leased some equipment which is on-leased to associate

companies. The Parent performs accounting services, based on commercial terms, for some of the stores.

The Parent has shareholder agreements with the other shareholders of the associates. The agreements set out the return on investment/profit

sharing arrangements relating to these investments. Payable to non-controlling interests represents loans advanced to the Group.

26

Data sourced from publicly available filings. Our datasets may not be complete. Automated analysis can produce errors. If you believe any data on this page is incorrect, please contact us at hello@nzxplorer.co.nz. For informational purposes only. Not investment advice.

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