Channel Infrastructure NZ Limited logo

2020HY Interim Results

Half Year Results16 August 2020CHIEnergy

DRAFT













Refining NZ Group


Interim Financial Statements


2020

















Interim Financial Statements
FOR THE SIX MONTHS ENDED 30 JUNE 2020 (UNAUDITED)



1






Consolidated Income Statement 2


Consolidated Statement of Comprehensive Income 3


Consolidated Balance Sheet 4


Consolidated Statement of Cash Flows 6


Consolidated Statement of Changes in Equity 7


Basis of Preparation 9


Notes to the Interim Financial Statements 11


Directory 27

















Consolidated Income Statement

FOR THE SIX MONTHS ENDED 30 JUNE 2020 (UNAUDITED)


2





GROUP GROUP



30 JUNE 30 JUNE



2020 2019


NOTE

$000 $000




INCOME



Revenue

4

116,154 169,413

Other income

4

2,964 2,179

TOTAL INCOME

4,5

119,118 171,592

EXPENSES



Purchase of process materials and utilities


43,737 51,220

Materials and contractor payments


11,478 15,776

Wages, salaries and benefits


30,903 29,653

Administration and other costs


17,618 20,893

TOTAL EXPENSES


103,736 117,542

EARNINGS BEFORE DEPRECIATION, IMPAIRMENT,

FINANCE COSTS AND INCOME TAX


15,382 54,050

Depreciation and disposal costs


47,300 52,137

Impairment of assets

3

218,903 -

TOTAL DEPRECIATION, DISPOSALS AND IMPAIRMENT


266,203 52,137

NET (LOSS)/PROFIT BEFORE FINANCE COSTS


(250,821) 1,913

FINANCE COSTS



Finance income


(146) (24)

Finance costs


6,552 6,767

NET FINANCE COSTS


6,406 6,743

NET LOSS BEFORE INCOME TAX


(257,227) (4,830)

Income tax


(70,879) (1,327)

NET LOSS AFTER INCOME TAX


(186,348) (3,503)

ATTRIBUTABLE TO:



Owners of the Parent


(186,348) (3,503)




EARNINGS PER SHARE FOR PROFIT ATTRIBUTABLE TO THE

SHAREHOLDERS OF THE NEW ZEALAND REFINING COMPANY

LIMITED


CENTS CENTS

Basic earnings per share


(59.60) (1.12)

Diluted earnings per share


(59.50) (1.12)




THE ABOVE CONDENSED CONSOLIDATED INTERIM INCOME STATEMENT IS TO BE READ IN CONJUNCTION WITH

THE ACCOMPANYING NOTES.


Consolidated Statement of Comprehensive Income

FOR THE SIX MONTHS ENDED 30 JUNE 2020 (UNAUDITED)


3





GROUP GROUP



30 JUNE 30 JUNE



2020 2019


NOTE

$000 $000




NET LOSS AFTER INCOME TAX


(186,348) (3,503)

OTHER COMPREHENSIVE INCOME



Items that will not be reclassified to the Income

Statement



Defined benefit plan and medical scheme actuarial loss

14

(19,927) (10,558)

Deferred tax on defined benefit plan and medical scheme 5,580 2,956

Total items that will not be reclassified to the Income

Statement


(14,347) (7,602)




Items that may be subsequently reclassified to the

Income Statement



Movement in cash flow hedge reserve


(1,327) (1,539)

Deferred tax on movement in cash flow hedge reserve


372 431

Total items that may be subsequently reclassified to the

Income Statement


(955) (1,108)

TOTAL OTHER COMPREHENSIVE LOSS, AFTER INCOME

TAX


(15,302) (8,710)

TOTAL COMPREHENSIVE LOSS FOR THE PERIOD, AFTER

INCOME TAX


(201,650) (12,213)

ATTRIBUTABLE TO:



Owners of the Parent


(201,650) (12,213)




THE ABOVE CONDENSED CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME IS TO BE READ IN CONJUNCTION

WITH THE ACCOMPANYING NOTES.









Consolidated Balance Sheet

AT 30 JUNE 2020 (UNAUDITED)


4




GROUP GROUP


30 JUNE 31 DECEMBER


2020 2019


NOTE

$000 $000




ASSETS


Cash and cash equivalents


29,809 5,255

Trade and other receivables


124,557 145,063

Income tax receivable


1,780 5,895

Derivative financial instruments


2,586 4,421

Inventories


4,063 3,340

TOTAL CURRENT ASSETS


162,795 163,974

NON-CURRENT ASSETS



Inventories


15,553 19,410

Derivative financial instruments


- 205

Property, plant and equipment

10

925,096 1,171,301

Right-of-use assets

10

3,245 4,028

Intangibles

10

17,353 22,137

TOTAL NON-CURRENT ASSETS


961,247 1,217,081

TOTAL ASSETS


1,124,042 1,381,055




LIABILITIES



CURRENT LIABILITIES



Trade and other payables

13

139,614 171,018

Derivative financial instruments


3,351

3,997

Lease liabilities


282 248

Employee benefits

14

8,825 7,861

TOTAL CURRENT LIABILITIES


152,072 183,124




NON-CURRENT LIABILITIES



Derivative financial instruments


4,226

5,017

Borrowings

9

279,552 246,616

Lease liabilities


3,705 3,206

Employee benefits

14

61,695 40,894

Provisions

12

11,119 12,643

Deferred tax liabilities

15

56,388 132,811

TOTAL NON-CURRENT LIABILITIES


416,685 441,187

TOTAL LIABILITIES 568,757 624,311

NET ASSETS 555,285 756,744


Consolidated Balance Sheet
AS AT 30 JUNE 2020 (UNAUDITED)

5




GROUP GROUP


30 JUNE 31 DECEMBER


2020 2019


NOTE

$000 $000


EQUITY


Contributed equity 266,057 265,771

Treasury stock (895) (960)

Employee share entitlement reserve 521 681

Cash flow hedge reserve (3,643) (2,688)

Retained earnings 293,245 493,940

Total Equity 555,285 756,744








For and on behalf of the Board, 16 August 2020.















S C Allen


J B Miller

Director


Director













THE ABOVE CONDENSED CONSOLIDATED INTERIM BALANCE SHEET IS TO BE READ IN CONJUNCTION WITH THE ACCOMPANYING

NOTES.


Consolidated Statement of Cash Flows

FOR THE SIX MONTHS ENDED 30 JUNE 2020 (UNAUDITED)


6





GROUP GROUP



30 JUNE 30 JUNE



2020 2019


NOTE

$000 $000




CASH FLOWS FROM OPERATING ACTIVITIES



Receipts from customers


108,799 167,765

Payment for supplies and expenses


(63,999) (73,801)

Payments to employees


(28,874) (30,326)

CASH GENERATED FROM OPERATIONS


15,926 63,638

Interest received


146 24

Interest paid


(6,808) (5,995)

Net GST paid


(120) (905)

Income tax received/(paid)


4,523 (8,830)

NET CASH INFLOW FROM OPERATING ACTIVITIES


13,667 47,932

CASH FLOWS FROM INVESTING ACTIVITIES



Payments for property, plant and equipment


(21,954) (29,782)

NET CASH OUTFLOW FROM INVESTING ACTIVITIES


(21,954) (29,782)

CASH FLOWS FROM FINANCING ACTIVITIES



Proceeds from bank borrowings


32,900 250

Dividends paid to shareholders

8

- (14,067)

Lease payments


(59) (381)

Purchase of treasury stock


- (283)

NET CASH (OUTFLOW)/ INFLOW FROM FINANCING

ACTIVITIES

32,841 (14,481)

NET INCREASE/(DECREASE) IN CASH AND CASH EQUIVALENTS 24,554 3,669

Cash and cash equivalents at the beginning of the period 5,255 779

CASH AND CASH EQUIVALENTS AT THE END OF THE PERIOD 29,809 4,448


THE ABOVE CONDENSED CONSOLIDATED INTERIM STATEMENT OF CASH FLOWS IS TO BE READ IN CONJUNCTION

WITH THE ACCOMPANYING NOTES




Consolidated Statement of Changes in Equity

FOR THE SIX MONTHS ENDED 30 JUNE 2020 (UNAUDITED)


7





CONTRIBUTED

EQUITY

TREASURY

STOCK

SHARE

SCHEME

ENTITLEMENT

RESERVE

CASH FLOW

HEDGE

RESERVE

RETAINED

EARNINGS

TOTAL

EQUITY

NOTE $000 $000 $000 $000 $000 $000


AT 1 JANUARY 2019

265,771 (969) 732 (460) 504,562 769,636

COMPREHENSIVE INCOME


Net loss after income tax - - - - (3,503) (3,503)

Other comprehensive income

Movement in cash flow hedge reserve - - - (1,539) - (1,539)

Defined benefit actuarial loss 14 - - - - (10,558) (10,558)

Deferred tax on other comprehensive income - - - 431 2,956 3,387

TOTAL OTHER COMPREHENSIVE LOSS, AFTER INCOME TAX - - - (1,108) (7,602) (8,710)

TRANSACTIONS WITH OWNERS OF THE PARENT

Equity-settled share-based payments - - 121 - - 121

Shares vested to employees - 292 (292) - - -

Treasury shares purchased - (283) - - - (283)

Unclaimed dividends written back - - - - - -

Dividends paid 8 - - - - (14,067) (14,067)

TOTAL TRANSACTIONS WITH OWNERS OF THE PARENT - 9 (171) - (14,067) (14,229)

AT 30 JUNE 2019 265,771 (960) 561 (1,568) 479,390 743,194



Consolidated Statement of Changes in Equity

FOR THE SIX MONTHS ENDED 30 JUNE 2020 (UNAUDITED)


8





CONTRIBUTED

EQUITY

TREASURY

STOCK

SHARE

SCHEME

ENTITLEMENT

RESERVE

CASH FLOW

HEDGE

RESERVE

RETAINED

EARNINGS

TOTAL

EQUITY

NOTE $000 $000 $000 $000 $000 $000


AT 1 JANUARY 2020 265,771 (960) 681 (2,688) 493,940 756,744

COMPREHENSIVE INCOME

Net loss after income tax - - - - (186,348) (186,348)

Other comprehensive income

Movement in cash flow hedge reserve - - - (1,327) - (1,327)

Defined benefit actuarial loss 14 - - - - (19,927) (19,927)

Deferred tax on other comprehensive income - - - 372 5,580 5,952

TOTAL OTHER COMPREHENSIVE LOSS, AFTER INCOME TAX - - - (955) (14,347) (15,302)

TRANSACTIONS WITH OWNERS OF THE PARENT

Equity-settled share-based payments - - 191 - - 191

Shares vested to employees - 351 (351) - - -

Shares issued 286 (286) - - - -

Unclaimed dividends written back - - - - - -

Dividends paid 8 - - - - - -

TOTAL TRANSACTIONS WITH OWNERS OF THE PARENT 286 65 (160) - - 191

AT 30 JUNE 2020 266,057 (895) 521 (3,643) 293,245 555,285


THE ABOVE CONDENSED CONSOLIDATED INTERIM STATEMENT OF CHANGES IN EQUITY IS TO BE READ IN CONJUNCTION WITH THE ACCOMPANYING NOTES.


Basis of Preparation

FOR THE SIX MONTHS ENDED 30 JUNE 2020 (UNAUDITED)


9




Reporting entity

The New Zealand Refining Company Limited (‘Parent’, ‘Company’ or ‘Refining NZ’), is a profit-oriented

company registered under the Companies Act 1993 and an FMC Reporting Entity for the purposes of

the Financial Markets Conduct Act 2013. Refining NZ is listed, and its ordinary shares are quoted on

the NZX Main Board Equity Market (“NZX Main Board”) and it has subordinated notes quoted on the

NZX Debt Market.


The condensed consolidated interim financial statements (hereinafter “financial statements”) for the

six months ended 30 June 2020 presented are those of Refining NZ together with its subsidiaries (‘the

Group’).


Basis of preparation

These financial statements as at and for the six months ended 30 June 2020 comply with the

generally accepted accounting practice in New Zealand (‘NZ GAAP’) and have been prepared in

accordance with New Zealand Equivalents to International Accounting Standard (‘NZ IAS‘) 34: Interim

Financial Reporting and International Accounting Standard (‘IAS‘) 34: Interim Financial Reporting and,

consequently, do not include all the information required to be disclosed in annual consolidated

financial statements. These financial statements should be read in conjunction with the annual

consolidated financial statements for the year ended 31 December 2019.


Accounting policies

The accounting policies used in the preparation of these financial statements are consistent with

those used in the previously published consolidated financial statements as at and for the six months

ended 30 June 2019 and the audited consolidated financial statements as at and for the year ended

31 December 2019. There were no new standards, interpretations and amendments effective from 1

January 2020 that would have a material impact on the Group.


Use of judgements and estimates

The preparation of financial statements requires directors to make certain judgements, estimates and

assumptions that affect the application of accounting policies and reported amounts of assets,

liabilities, income and expenses.


The following areas involve estimates and assumptions that can significantly affect the amounts

recognised in the condensed consolidated financial statements:


• Impairment assessment of assets – refer to Note 3 for further details.


• Useful lives of the property, plant and equipment – the Group reassessed the remaining useful

lives of assets associated with the distribution segment (including the Refinery to Auckland

Pipeline) as at 31 December 2019. No changes to the useful lives of assets at 30 June 2020 were

identified pending the outcome of the Strategic Review as outlined in Note 1.




Basis of Preparation

FOR THE SIX MONTHS ENDED 30 JUNE 2020 (UNAUDITED)


10




• Going concern - these financial statements have been prepared on a going concern basis.

Management and the Board consider that this is appropriate based on the Group’s current cash

position and available credit facilities, and that the Board has no reason to believe that Refining

NZ will not meet covenants and other obligations under its facility agreements, for the next

twelve months. Refining NZ’s forecasts indicate the Group has the ability to continue to operate

as a going concern despite the challenges arising from the current low margin environment and

COVID-19, based on the steps taken to have cash neutral operations to date, and customers

continuing to meet their Fee Floor obligations for the next twelve months (refer to Note 2).


• Recoverability of tax losses – in the six months ended 30 June 2020, Refining NZ generated a tax

loss of $27.5 million, increasing the Group’s cumulative tax losses to $44.8 million A deferred tax

asset in respect of these unutilised tax losses has been recognised.


On the assumption that at least a 49% continuity of shareholding is maintained, Management

and the Board believe that future taxable profits will be available against which the tax losses

can be recovered and therefore the deferred tax asset can be realised (refer to Notes 1 and 2).

Any adverse change in future profits, or significant change in the shareholding of Refining NZ,

could limit the Company’s ability to realise the deferred tax asset.



Estimates are designated by a symbol in the notes to these consolidated interim financial

statements.







Notes to the Interim Financial Statements

11



1 Strategic review


On 15 April 2020, the Refining NZ Board announced a Strategic Review to determine the optimal

business model and capital structure for its assets to maximise “through the cycle” returns to

shareholders and deliver secure, competitive fuel supply to New Zealand.


The first phase of the Strategic Review was to assess all the options, including: opportunities to

improve the competitiveness of refining operations and options to separate the refining and

infrastructure assets or convert to a fuel import business model.


On 25 June 2020, the Company announced that it would take two business model options forward

into the next phase of detailed planning and analysis. To improve the near-term viability of its current

business model, Refining NZ is developing plans to simplify refinery operations and structurally

reduce operating costs. In parallel the company is continuing to evaluate a possible future staged

transition to an import terminal, including exploration of a commercial framework with customers,

overseen by the Independent Directors.


The Company expects to provide a further update on the Strategic Review process around the end of

Quarter 3 2020.


These financial statements have been prepared based on existing Group operations under the current

Processing Agreements. However, the potential outcomes from the Strategic Review, which are not

solely within the Company’s control, may be substantially different from such existing operations and

may therefore impact the financial performance and financial position of the Company in the future.


2 COVID-19 Pandemic


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

and spread of COVID-19. The New Zealand Government subsequently raised its Alert Level to 4 (full

lockdown of non‑essential services) for an initial four-week period. As an essential service, the Group

continued to operate during the lockdown, and subsequently throughout COVID-19 Alert Levels 3, 2 and 1.

In response to the significant fuel demand reduction resulting from travel and transport restrictions, and

the consequential reduction in revenue through weak global refining margin and lower refinery

throughputs, Refining NZ has implemented the following measures:


• Reduced refinery production

Refining NZ agreed with its customers to change the way it operates the refinery whereby the

refinery’s processing facilities were operated on a rotating basis, to enable the refinery to produce at

substantially lower rates to help balance fuel supply across New Zealand. This has continued post 30

June 2020 as outlined in Note 17.


• Reduced non-essential activity on-site

All safety critical work has continued during COVID-19, however all non-essential activity on-site was

suspended including the deferral of the planned maintenance turnaround of the main crude distiller

and the gasoline manufacturing unit from May 2020 to March 2021.

Notes to the Interim Financial Statements

12




• Increased and extended debt facilities (Refer to Note 9)

Refining NZ extended and expanded its existing bank facilities, increasing the weighted average term

to over three years and adding $50 million of additional capacity, which brought the total available

debt funding facilities to $400 million (including the company’s $75 million subordinated notes on

issue). Subsequent to 30 June 2020 the Company further extended its facilities as outlined in Note 17.


The impacts on the Group can be summarised as follows:


• Total refinery throughput for the six months ended 30 June 2020 was 15.4 million barrels, 27%

lower than the same period in 2019 and circa 40% lower from the time the pandemic was

declared.


• Our customers were invoiced the pro rata Fee Floor amounting to $70 million during the six

months ended 30 June 2020. The actual processing fee earned from operations was below the

pro-rated fee floor, resulting in $38.9 million being paid by Customers as an interim fee floor

payment as outlined in Note 4.


• Pipeline revenues were 11% lower than the same period in 2019 at $16.3 million, reflecting the

impact of reduced demand for transport fuels, particularly jet fuel into Auckland International

Airport. Pipeline volumes were circa 41% lower from the time that the pandemic was declared

compared to the same period in 2019.


• The Group accessed the Government wage subsidy totalling $4.5 million as outlined in Note 4.


• The capital budget for 2020 has been reduced from $70 million to $35 million.


• Operating costs for the six months ended 30 June 2020 were circa $8 million or 9% lower than

budget due to reduced electricity and other costs as a result of reducing non-essential activity on

site.


• The Company has operated on a cash neutral basis since lockdown (Alert Level 4), achieving a

net debt position of $250 million as at 30 June 2020.

Notes to the Interim Financial Statements

13




In addition to the above, the impact of COVID-19 on the Refining NZ’s balance sheet include:


Item COVID-19 impact assessment

Cash and cash equivalents


The Group maintained cash and cash equivalent balances of

between $20-30 million.



Trade and other receivables


Trade receivables reflect a reduced excise duty receivable from

customers due to reduced liftings of refined product in June 2020

following the COVID-19 demand destruction (refer to Note 13). Our

customers continued to pay Processing Fees at the Fee Floor to the

Company in the six months ended 30 June 2020 (Refer to Note 4).



Income tax


The Company generated tax losses of $27.5 million in the six months

ended 30 June 2020. Total tax losses available to the Group to

offset against future taxable income amount to $44.8 million. (Refer

to key judgements and estimates under Basis of Preparation.)



Derivative financial instruments




COVID-19 has impacted commodity markets. Derivatives are

recognised at fair value, hence the impact on the financial and

commodity markets is included in the derivative instruments’

valuation.



Inventories


Obsolescence assessment has been conducted with regards to

inventories. Refer to Note 3 for further details.



Property, plant and equipment


Impairment assessment has been conducted with regards to

property, plant and equipment. Refer to Note 3 for further details.



Right-of-use assets



Impairment assessment has been conducted with regards to right-

of-use assets. Refer to Note 3 for further details.


Intangibles





Included are New Zealand Units (NZUs) held by the Parent company,

recognised at historical cost and tested for impairment with

reference to market value of carbon units. No impairment

recognised on NZUs.


Trade and other payables


Trade and other payables reflect a lower excise duty payable to the

NZ Customs as at 30 June 2020 due to reduced liftings of refined

product in June 2020 following the COVID-19 transport fuels

demand destruction. Trade and other payables are lower due to

non-essential activity being reduced, with a corresponding reduction

in capital and operating costs. Trade and other payables include $1.6

million COVID-19 wages subsidy received prior to 30 June 2020 but

deferred as income as it relates to wages paid post balance date.



Borrowings


Refining NZ extended and expanded its existing bank facilities. Refer

to Note 9 for further details.

Notes to the Interim Financial Statements

14




Lease liabilities


No impact – refer to right-of-use assets.




Employee benefits




Lower investment returns earned by the Pension Fund following

COVID-19 and amended assumptions underpinning the valuation,

particularly a lower yield curve impacting the discount rate,

contributed to the actuarial loss reported to 30 June 2020 (refer to

Note 14 for further details).



Provisions



Present value of provisions updated for the impact of financial and

commodity markets on interest rates.


Deferred tax liabilities The Group has incurred tax losses in the period and recognised an

impairment of assets which reduced the deferred tax liability. Refer

to Note 15 for further details.

Notes to the Interim Financial Statements

15



3 Impairment assessment


The carrying value of the Group’s assets were tested for impairment as at 30 June 2020,

resulting in an impairment of assets of $219 million (or $158 million net of deferred tax). In

addition, the stock obsolescence provision has been increased by $3.3 million as at 30 June

2020.



Key judgements underpinning this assessment include:


• Strategic Review

As set out in Note 1, the outcome of Strategic Review is not yet known and the business model

options referred to are still being developed, so their parameters remain uncertain. As such,

the Board and Management have conducted the impairment assessment as at 30 June 2020

based on the Group’s existing business model and the existing Processing Agreements, with

updates to reflect the Company’s response to COVID-19 (see Note 2).


• The Company will reassess carrying values once the outcome of the Strategic Review is decided.

Resource consents

The Company’s resource consents for activities at its Marsden Point site are on track to be

renewed prior to expiry in May 2022. It is the opinion of Management and the Board that the

risks of not renewing resource consents on a commercially acceptable basis is relatively low.


• New Zealand Emissions Trading Scheme (NZ ETS)

In April 2020 the Government approved the making of regulations to bring the Company in to

the NZ ETS as an Emissions Intensive Trade Exposed (EITE) business with an industrial allocation

of carbon units, with effect upon the expiry of the Negotiated Greenhouse Agreement with the

Crown on 31 December 2022.


Under the regulations the Company’s industrial allocation entitlement will be based on 90% of

the Company’s 2006-2009 emissions data submitted in accordance with the Climate Change

Response Act 2002. The Climate Change Response (Emissions Trading Reform) Amendment Act

2020 provides for a 1% per year phase out of rates of assistance over 2021 to 2030, meaning

that the applicable rate of assistance at the time the Company enters the NZ ETS in 2023 would

be 87%. This is the basis on which we have completed the 30 June 2020 impairment testing.


However, the Government has signalled that further regulatory reforms (resulting from a

review of industrial allocation policy and electricity factors), may result in different allocative

baselines in the future, including a change in the number of carbon units that the Company is

ultimately allocated when it enters the NZ ETS in 2023 and therefore the financial impact on

the business may change.






Notes to the Interim Financial Statements

16



• COVID-19 global pandemic

COVID-19 has had a significant impact on current demand for transport fuels and therefore

demand for refined products, resulting in significant market uncertainty. How long a recovery

will take is uncertain and some independent experts are forecasting that the recovery from

COVID-19 will be slow, impacting the longer-term demand forecasts for transport fuels,

particularly jet fuel.


• Market outlook – refining margins

An increased supply of refined product and lower than expected demand for transport fuels in

the Asia Pacific region has resulted in a reduced outlook for refining margins generally and the

initiation of a Strategic Review as outlined in Note 1.


The global drop in oil demand triggered by COVID-19 and the expectation of a slow recovery in

oil and refined products demand, particularly jet fuel, has further exacerbated the oversupply

in the global refining market. This has resulted in very weak refining margins in the six months

ended 30 June 2020, and significant uncertainty regarding refining margins in the future.


• Future NZ transport fuel demand

The Climate Change Response (Zero Carbon) Amendment Act 2019 has set a target for New

Zealand to reduce its net emissions of all greenhouse gases (except biogenic methane) to zero

by 2050. The pace of transition to alternative fuels and the manner by which that transition

may occur, remains highly uncertain.


Any significant change in demand for refined products in New Zealand could therefore impact,

favourably or unfavourably, on future assessments of the carrying value of the Group’s assets.


There is significant volatility and uncertainty in the market as a result of COVID-19, and the impacts

on future demand for transport fuels and the outlook for refiner’s margins cannot be reliably

predicted. Management and the Board have used their refining industry experience and independent

expert forecasts, where appropriate, to determine the base assumptions adopted in the impairment

testing as at the current reporting date.


The approach to the impairment testing, including the key assumptions and sensitivities, reflecting

the market uncertainty, are outlined below:


Cash Generating Unit

The Group identifies two cash generating units being: Refining NZ’s assets and the assets of its

subsidiary, Independent Petroleum Laboratory Limited (“IPL”).


Recoverable amount

The recoverable amount of the assets was determined on a value in use basis using a discounted cash

flow methodology. In determining the recoverable amount, the Company considered fair value less

cost of disposal. Based on the impairment assessment carried out, the recoverable amount of the

Company’s assets was determined at $842 million which resulted in an impairment loss of $219

million being recognised as at 30 June 2020 ($158 million net of deferred tax) and allocated to

refining assets.


Notes to the Interim Financial Statements

17




Key assumptions

The key assumptions used in the impairment testing include:


• Refining and pipeline volumes

Refinery’s and pipeline’s throughputs were assumed at an average of circa 41 million barrels and

circa 18.5 million barrels per annum, respectively, in the 10-year period to 2030. Near-term

production volumes have been adjusted for the impacts of COVID-19 driven demand

destruction; longer-term, Refining NZ used demand forecasts developed by independent

industry experts.


The base assumption is that the refinery would operate at the production levels outlined above

until 2030, followed by a period of reduced production to 2035, and then conversion to an

import terminal, noting that the outlook for transport fuels demand remains highly uncertain.


• Refining margins and pipeline fees

Consistent with the impairment testing approach used as at 31 December 2019, the Company

has used refining margin forecasts issued by independent expert market commentators in June

2020. These independent forecasts indicate margins ranging between US$4.40 per barrel to

US$6.80 per barrel in the 10 years to 2030, with a long-term average of US$5.30. per barrel,

including the estimated impact of margin enhancing initiatives, identified though external

benchmarking, expected to deliver an average uplift of US$0.80/bbl.


This represents a significant decline in the outlook for margins - around US$2 per barrel - when

compared to margin forecasts issued in January 2020 and adopted by Management and the

Board for impairment testing purposes as at 31 December 2019. Previously, a range of US$4.90

per barrel to US$8.10 per barrel with a median of US$7.40 per barrel had been forecast by the

same independent experts, which indicates the extreme volatility and uncertainty in the market.


Pipeline revenue in the 15-year period to 2035 is determined with reference to the current

pipeline arrangements to 2035, and then subsequently as a combination of estimated pipeline,

terminal and wharfage fees.


• Exchange rate

Forward rates as at the end of the reporting period have been applied, with a range of 0.65 to

0.61 over the forecast period.


• Operating costs and capital spend

Operating costs (excluding pass through costs such as natural gas and carbon) and capital spend

are assumed at an average of approximately $150 million and $60 million per annum,

respectively, in the 10 years to 2030, with a reduction of the costs beyond 2031 as the refinery

reduces its production and subsequently converts to an import terminal.


• Discount rate

A nominal post-tax weighted average cost of capital of 7.7% has been used, as assessed by

external advisors.

Notes to the Interim Financial Statements

18



• Carbon cost

The Company will enter the NZ ETS as an Energy Intense Trade Exposed (EITE) business at the

expiry of the Negotiated Greenhouse Agreement on 31 December 2022. The base assumption is

that Refining NZ will receive an industrial allocation of 87% in 2023 with a 1% per year phase out

until 2030 and 2% beyond 2030.


• Forecast period and terminal value

Due to the long-term, cyclical nature of the business, a 30-year forecast period with no terminal

value has been adopted, rather than a shorter modelling period with a terminal value allowed

for.


Sensitivities

The following chart outlines a range of possible sensitivities associated with each of the key

assumptions, across the full period modelled, noting that changes in a combination of the key

assumptions could also have a significant impact upon the recoverable amount assessed.













Notes to the Interim Financial Statements

19



4 Income



FOR THE SIX MONTHS ENDED 30 JUNE GROUP GROUP


30 JUNE 30 JUNE


2020 2019


$000 $000


Comprises:

Processing fees 69,991 117,282

Natural Gas recovery 16,099 19,714

Other refining related income 7,852 8,915

REFINING REVENUE 93,942 145,911

Pipeline and terminalling fee revenue 17,150 18,288

Wiri land and terminal lease income 3,263 3,263

DISTRIBUTION REVENUE 20,413 21,551

Other operating revenue 1,799 1,951

TOTAL REVENUE 116,154 169,413

Other income 2,964 2,179

TOTAL INCOME 119,118 171,592


The processing fee revenue is subject to a fee floor, which comes into effect if the total processing fee

for a calendar year is below a minimum value. This is set at approximately $140 million for 2020. At

30 June 2020 the actual processing fee earned from operations was below the pro-rated fee floor,

resulting in $38.9 million being paid by Customers as an interim fee floor payment.


The pro rata fee floor payment by Customers to 30 June 2020 could be offset by processing fee

revenue earned for the remainder of the year, if processing fees earned from operations were to

exceed the annual fee floor. However, this is not considered likely given the current oversupply of

refined product and the impact of COVID-19 on both refiner’s margins and planned refinery

operations for the balance of the year (refer to Note 2).


Included in other income is $2.9 million of COVID-19 wages subsidy paid by the New Zealand

Government (2019: nil) in respect of the period ended 30 June 2020. An additional $1.6 million

COVID-19 wages subsidy received prior to 30 June 2020, was deferred and is included as part of Trade

and Other Payables.



Notes to the Interim Financial Statements

20



5 Segment information


Management reviews the Group’s internal reporting in order to assess performance and allocate

resources including the definition of the operating segments - oil refining and infrastructure.


• Oil refining – the Company operates the Marsden Point oil refinery as a toll processor.

• Infrastructure – the Company owns infrastructure to support the distribution of manufactured

products to its customers, including the Refinery to Auckland Pipeline which transfers product to

the Wiri Oil terminal located in South Auckland. In addition, the segment includes laboratory

testing services undertaken by Independent Petroleum Laboratory Limited.

• Inter-segment – represents transactions between segments carried out on normal commercial

terms.


Management primarily uses revenue and adjusted earnings before finance costs, tax, depreciation

and amortisation (or “Adjusted EBITDA”) of the Parent Company as measures to assess the

performance of the operating segments. For Non-GAAP information refer to Note 18.


Assets and liabilities information, depreciation, finance income and costs and taxes are managed by

Management on an overall group basis and therefore not presented as part of the segment

information.


The presentation of segments in this interim financial report has changed from the 2019 interim and

full year consolidated financial statements to align with the way that Management now monitors the

segmental financial performance as outlined above.


Segment results

30 JUNE 2020 OIL REFINING INFRASTRUCTURE TOTAL


$000 $000 $000


External customer 96,504 22,614 119,118

Inter-segment - 2,402 2,402

TOTAL INCOME

(*)

96,504 25,016 121,520

Adjusted EBITDA 841 18,870 19,711



30 JUNE 2019 OIL REFINING INFRASTRUCTURE TOTAL


$000 $000 $000


External customer 146,055 25,537 171,592

Inter-segment - 2,818 2,818

TOTAL INCOME

(*)

146,055 28,355 174,410

Adjusted EBITDA 34,273 21,432 55,705


(*) prior to consolidation eliminations

Notes to the Interim Financial Statements

21



For a reconciliation between the Non-GAAP measure, Adjusted EBITDA, to the reported net loss after

tax refer to Note 18.


6 Related parties


The Group enters into transactions with related parties. Details of related parties and the types of

transactions entered into during the period ended 30 June 2020 are consistent with those disclosed in

the audited financial statements for the year ended 31 December 2019.


7 Equity


The issued capital of the Company is represented by 312,893,643 ordinary shares (2019: 312,576,453)

issued and fully paid less 587,871 (2019: 417,644) treasury shares held by CRS Nominees Limited (the

Trustee).


On 17 April 2020, the Company granted 1,250,000 Performance Share Rights (PSRs) for nil

consideration to the Chief Executive Officer (CEO), being the retention component under a Share

Rights Plan. The PSRs have service conditions only and will vest four years after date of

commencement of employment, subject to the continued employment of the CEO. The total

recognised cost of the PSRs to 30 June 2020 was $0.04 million, with a corresponding increase in Share

Scheme Entitlement Reserve.


On 11 June 2020, the Company issued 317,190 ordinary shares, at an issue price of 0.90 cents per

share, pursuant to the Employee Share Purchase Scheme. The shares are held on trust by the Trustee

until they are withdrawn by the participants following a restricted period of 3 years.


8 Dividends


No final divided from the 2019 financial results was paid in 2020. The Board has resolved to not

declare an interim 2020 dividend based on the financial results to 30 June 2020 (in 2019, an interim,

fully imputed dividend of 2 cents per share was paid).


9 Borrowings


In March 2020, Refining NZ extended and expanded its existing bank facilities, increasing the

weighted average term to over three years and adding $50 million of additional capacity, which

increased the total available debt funding facilities to $400 million. The total available funding

includes $75 million subordinated notes on issue that expire on 1 March 2034, with two rollover

dates (on 1 March 2024 and 1 March 2029) when Refining NZ has the right to either fully redeem the

subordinated notes or run an election process offering new conditions.



Notes to the Interim Financial Statements

22




The chart below outlines the maturity profile of the facilities as at 30 June 2020.





(*) The carrying value of the subordinated notes as at 30 June 2020 amounts to $74.6 million. The

difference between the carrying value and the $75 million face value is due to interest

and issue costs.


Subsequent to balance date, $40 million of the facilities maturing in the “2-3 years” category was

extended by a further two years. Refer to Note 17.


The carrying amounts of bank borrowings approximate their fair value. The borrowings are

unsecured. The Parent borrows under a negative pledge arrangement which requires certain

certificates and covenants. All these requirements have been met and no breaches of these

covenants are forecast for the next twelve months.

Notes to the Interim Financial Statements

23



10 Property, plant and equipment, right-of-use assets and

intangibles


During the six months ended 30 June 2020 the Group acquired property, plant and equipment and

the right-of-use assets with a cost of $20.8 million and $0.6 million, respectively. The decrease in

intangibles is associated with the New Zealand Units surrendered in relation to the 2019 year.


The amount of borrowing costs capitalised during the reporting period was $0.7 million (30 June

2019: $1.0 million). The weighted average rate used to determine the amount of borrowing costs

eligible for capitalisation was 5.4% (30 June 2019: 5.9%).


At 30 June 2020, the Company impaired its assets by $219 million, which accounts for the large

reduction in the carrying value of refining assets.


11 Capital commitments


Capital expenditure contracted for in relation to property, plant and equipment at the end of the

period but not yet incurred amounted to $4.5 million (31 December 2019: $28.1 million).


12 Provisions


This includes the jetty restoration provision of $10.2 million (31 December 2019: $11.8 million). At 30

June 2020 the Company has reassessed the value of the future expenditures associated with the

restoration of the seabed which the jetty is situated at Marsden Point, the term of the lease and

amended the inflation (from 2% as at 31 December 2019 to 1.5% as at 30 June 2020) and discount

rate assumptions (from 1.83% as at 31 December 2019 to 2.47% as at 30 June 2020).


These changes resulted in a net decrease in the provision and the corresponding asset by $1.7 million.

An increase in the provision as a result of the passage of time (unwinding of discount) of $0.1 million

was recognised as a finance cost.


13 Trade and other receivables and payables


Trade and other receivables and trade and other payables both include excise duties of $103.2 million

(31 December 2019: $127.6 million). Changes to excise duties have no direct impact on the results of

the Group as they are collected from the customers and are paid to the New Zealand Customs Service

on the same day of each month.








Notes to the Interim Financial Statements

24



14 Employee benefits


Employee benefits comprise defined benefit pension and medical plan, wages, salaries, annual leave,

and long-service leave and retirement bonus.


The defined benefit plan and the medical scheme are accounted for in accordance with NZ IAS 19

“Employee Benefits”. Actuarial gains and losses arising from experience adjustments and changes in

actuarial assumptions are charged or credited to equity in other comprehensive income in the period

in which they arise. Past-service costs are recognised immediately in the Consolidated Income

Statement.


The actuarial assumptions used in the 30 June 2020 valuation are consistent with those adopted as at

31 December 2019. The discount rate adopted at 30 June 2020 was 1% (31 December 2019: 2.0%)

and is set with reference to redemption yields on bonds. A decrease in the bond yield will increase

Defined benefit pension plan and medical plan liabilities for financial reporting purposes, but not

necessarily impact upon the funding requirements of the Company.


The total amount recognised in other comprehensive income is as follows:


GROUP GROUP

30 JUNE 30 JUNE

2020 2019

$000 $000

Actuarial losses (9,062) (16,392)

Actual return on plan assets less interest income (3,604) 7,854

Contributions tax (7,261) (2,020)

TOTAL RECOGNISED IN OTHER COMPREHENSIVE INCOME

INCLUDING CONTRIBUTIONS TAX (19,927) (10,558)



15 Deferred tax liabilities


The Deferred tax liability has reduced during the six months ended 30 June 2020, primarily as a result

of the recognition of the impairment of assets (tax effect of $61 million as outlined in Note 3),

recognition of the tax loss for the period (tax effect of $8 million) and increased defined benefit plan

liability (tax effect of $6 million). The Group’s cumulative tax losses as at 30 June 2020 were $44.8

million. Deferred tax liabilities are reported net of the deferred tax asset recognised in respect of

these losses (Refer Basis of Preparation).


16 Contingent assets and liabilities


The Group has no contingent assets or liabilities at 30 June 2020. (2019: nil)



Notes to the Interim Financial Statements

25



17 Events after balance date


The following events occurred after balance date:


• Bank Facility Extended (Refer to Note 9)

On 13 July 2020, the Company entered into a binding agreement to extend $40 million of an

$80 million bank facility set to mature in March 2022, out to March 2024. The weighted

average term of the Company’s debt funding facilities of $400 million (including the

company’s $75 million subordinated notes on issue) is now 5.3 years.


• Refinery Mode of Operation (Refer to Note 2)

On 3 July 2020, the Company started temporarily shutting down the refinery, to place all the

processing units on standby for a period of six weeks, in order to balance fuel supply across

the country. During this period, Refining NZ’s customers will continue to pay the fee floor

under the Processing Agreements.


• COVID-19 Pandemic

On 12 August 2020, the New Zealand Government raised its Alert Level to 3 for Auckland and

Level 2 elsewhere. Refining NZ, as an essential service provider, expects to continue to

operate, however the impact of the Alert Levels being increased on the transport fuels

demand remains uncertain.


18 Non-GAAP disclosures


Refining NZ’s standard profit measure prepared under New Zealand Generally Accepted Accounting

Practice (NZ GAAP) is net profit/(loss) after tax. Refining NZ has used non-GAAP measures when

discussing financial performance in this Half-Year Report. The Directors and Management believe

that these measures provide useful information as they are used internally to evaluate segmental and

total Group performance, to establish operating and capital budgets as well as being used for bank

covenant purposes.


Non-GAAP profit measures are not prepared in accordance with NZ IFRS (New Zealand equivalents to

International Financial Reporting Standards) and are not uniformly defined, therefore the non-GAAP

profit measures included in this report are not comparable with those used by other companies.

They should not be used in isolation or as a substitute for GAAP profit measures as reported by

Refining NZ in accordance with NZ IFRS. Terms are defined as follows:


Reported EBITDA: Reported Net Profit/(Loss) before depreciation, disposal costs, impairment,

finance costs and taxation


Adjusted EBITDA Reported EBITDA adjusted for other non-cash expenses and used for bank

covenant purposes.






Notes to the Interim Financial Statements

26





GROUP GROUP


30 JUNE 30 JUNE


2020 2019


NOTE

$000 $000


Reported net loss for the period (GAAP)

(186,348) (3,503)

Add back:



Income tax


(70,879) (1,327)

Net interest expense


6,406 6,743

Impairment of assets

3

218,903 -

Depreciation


47,300 52,137

Reported EBITDA


15,382 54,050




Add back non-cash expenses:



Stock obsolescence provision


3,269

278

Defined benefit pension fund cost


1,720 1,842

Interest income


146 24




Adjusted EBITDA


20,517 56,194

Directory

27





Registered Office Chairman

Marsden Point S C Allen (Independent Director)

Ruakaka


Mailing Address Independent Directors

Private Bag 9024 J B Miller

Whangarei 0148 V C M Stoddart

Telephone: +64 9 432 5100 P A Zealand


Website Non-Independent Directors

www.refiningnz.com D C Boffa

R Cavallo

Share Register N L Jones

Computershare Investor Services Limited

Private Bag 92119 Chief Executive Officer

Auckland 1142 N M James

Telephone: +64 9 488 8777

enquiry@computershare.co.nz General Counsel & Company Secretary

C D Bougen

Bankers

ANZ Bank New Zealand Limited

Bank of New Zealand

MUFG Bank, Limited

Bank of China (New Zealand) Limited


Legal Advisers

MinterEllisonRuddWatts

Chancery Green


Auditor

Ernst & Young



Managing your shareholding online

To change your address, update your payment instructions and to view your registered details

including transactions, please visit: www.computershare.co.nz/investorcentre

Please assist our registrar by quoting your CSN or shareholder number.




Directory

28

---

Results announcement
(for Equity Security issuer/Equity and Debt Security issuer)





Results for announcement to the market

Name of issuer The New Zealand Refining Company Limited

Reporting Period 6 months to 30 June 2020

Previous Reporting Period 6 months to 30 June 2019

Currency NZD

Amount (000s) Percentage change

Revenue from continuing

operations

$119,118 (30.6%)

Total Revenue $119,118 (30.6%)

Net profit/(loss) from

continuing operations

($186,348) (5,220%)

Total net profit/(loss) ($186,348) (5,220%)

Interim Dividend

Amount per Quoted Equity

Security

NZ$ Nil

Imputed amount per Quoted

Equity Security

NZ$ Nil

Record Date Not Applicable

Dividend Payment Date Not Applicable

Current period Prior comparable period

Net tangible assets per

Quoted Equity Security

$1.74 $2.35

A brief explanation of any of

the figures above necessary

to enable the figures to be

understood

Refer to attached NZX announcement commentary

Authority for this announcement

Name of person


authorised

to make this announcement

Chris Bougen, Company Secretary

Contact person for this

announcement

Ellie Martel

Contact phone number

+64 (0)20 4174 7226


Contact email address ellie.martel@refiningnz.com

Date of release through MAP


17/08/2020


Unaudited financial statements accompany this announcement.

---

Summary
• An outstanding safety and operational performance in 1H20 with no recordable injuries or Tier 1 or 2

process safety incidents including through COVID-19, when the refinery was operated on a rotating

basis.

• Refinery and RAP throughputs were 27% lower than the prior corresponding period due to COVID-19

travel restrictions, with land fuel volumes recovering to near normal levels by period end, while jet

remained weak.

• The Fee Floor protected the Company against low refining margins and COVID-19 impacts on

throughput, with Processing Fee revenue of NZ$70 million, including Fee Floor payments of NZ$39

million.

• Significant (circa $70 million) reduction made in 2020 opex and capex plans, reducing the Company’s

2020 cash break-even to Fee Floor levels from Q2.

• Income was down $52.5 million (30.6%) on prior corresponding period largely due to lower margins

and throughput, while EBITDA was down $38.7 million (71.5%), with cost reductions partly offsetting

the lower revenue.

• Net debt at 30 June was $250 million, reflecting cash neutral operations since April 2020.

• Early action to strengthen the balance sheet providing significant debt headroom and no material

near-term maturities following extension and increase of bank lines.

• Strategic Review well progressed, with short- and longer-term options identified.





Commentary

Refining NZ has safely navigated the on-going impacts of COVID-19 and volatile refining markets, while

resetting its 2020 cost base to operate cash neutral in the current low-margin environment.

Chief Executive Naomi James said: “It is a significant achievement to have safely navigated the impacts

of COVID-19 and volatile refining markets, while resetting Refining NZ’s 2020 cost base to operate cash

neutral in the current low-margin environment and taking early action to make the balance sheet robust

to an extended period of low margins.

“This achievement was made possible by the wider team at Refining NZ who have impressed me with

their ability to immediately respond to the scale of the challenge, while maintaining a relentless focus on

the imperative of safe operations”.


Half year

1

2020 2019 Change

Income

NZ$ m

119.1 171.6 (30.6%)

EBITDA

2


NZ$ m

15.4 54.1 (71.5%)

Adjusted EBITDA

3


NZ$ m

20.5 56.2 (63.5%)

Capex

NZ$ m

(22.0) (29.8) (26.2%)

NPAT

NZ$ m

(186.3) (3.5) <nm>

Free cash flow

NZ$ m

(8.3) 18.2 <nm>

Interim dividend

cps

0 2 <nm>


Income was down $52.5 million (30.6%) on the prior corresponding period due to lower margins and

throughput, while Adjusted EBITDA was down $35.7 million (63.5%), with cost reductions partly

offsetting the lower revenue. Free cash flow in the first six months was an outflow of $7.9 million, all

within the first quarter, followed by cash neutral operations since April 2020. The Company reported a

Net (Loss)/ Profit after Tax (NPAT) of ($186.3) million (1H19 NPAT: ($3.5) million) for the six months

ended 30 June 2020, which included the previously announced non-cash impairment of its refining

assets amounting to $158 million, after tax.



1 The financial statements have been prepared based on existing Group operations under the current Processing Agreements.

The potential outcomes from the Strategic Review, which are not solely within the Company’s control, may be substantially

different from such existing operations and may therefore impact the financial performance and financial position of the

Company in the future.


2

EBITDA = Reported Net Profit/(Loss) before depreciation, disposal costs, impairment, finance costs and taxation.

3

Adjusted EBITDA = EBITDA adjusted for other non-cash expenses and used for bank covenant purposes.

Strong safety and operational performance
The business achieved excellent process and personal safety performance with no Tier 1 or Tier 2

process safety events or recordable injuries. There has been no Tier 1 or Tier 2 events in the last 2

years.

The refinery continued to operate as an essential service throughout COVID-19 Alert Levels and Refining

NZ established a Co-ordinated Incident Management System structure to implement business continuity

plans during this time. Refining NZ successfully adapted work practices and behaviours during the

COVID-19 lockdown, to ensure everyone on site continued to work safely and their health and wellbeing

was protected.

Chief Executive Naomi James said: “We acted quickly and decisively in response to COVID-19 working in

partnership with our customers to manage stocks and ensure reliable supply across the country by

operating the plant in rotating mode to reduce refinery production, as well as reducing non-essential

activity on-site.”

“The Refining NZ team have had a relentless focus on safe operations through this period, reducing

production to around 50% of normal levels as the COVID-19 travel restrictions impacted demand,

enabling our customers to manage stock levels, while ensuring continuity of supply. This mode of

operation was unprecedented for the refinery and our ability to operate safely in this changed mode

reflects our highly capable workforce and strong operational discipline,” said Naomi James.

Refinery and pipeline throughputs for the six months ended 30 June 2020 were 27% lower than the

same period in 2019 and circa 40% lower from the time that the pandemic was declared. Throughput on

the refinery was 15.4 million barrels (1H19: 21.2 million barrels) and pipeline 7.5 million barrels (1H19:

10.3 million barrels) in the six months ended 30 June 2020.

“Diesel and petrol demand had recovered to pre-COVID levels, prior to the latest lockdown measures

announced by the New Zealand Government on 12 August, while jet demand remains weak at around

40%. This continues to impact on the way in which we operate the plant and our revenue, given the

reduced supply of jet fuel into Auckland Airport,” said Naomi James.

“We continue to work closely with our customers to help manage fuel supply in this uncertain market.

After operating the processing units on a rotating basis for three months to reduce production, we are

now restarting the refinery after a 6-week temporary shutdown, from early July, in order to balance fuel

supply across the country.”


Fee Floor protection from margin and demand downside

The Company operated at the Fee Floor in the first half of the year given the weak global refining

margins and low refinery throughput, as a result of COVID-19.

“Global refining margins weakened towards the end of 2019 from the excess refining capacity,

particularly in the Asia-Pacific region. This continued into the first quarter, before the impacts of COVID-

19, which exacerbated the situation and further weakened refining margins. Because the Fee Floor

guarantees a minimum level of processing fee income each year, it provided a protection against the
impacts from both low margins and the reduced refinery throughputs”, said James.

Processing fee revenue earned in the first half, prior to Fee Floor payments, was $31 million (1H19: $117

million). In addition, Refining NZ’s customers made Fee Floor payments totaling $39 million, increasing

the Gross Refining Margin (GRM) from USD 1.81 per barrel to USD 4.10 per barrel.

The average Singapore Complex Margin (SCM) in the six months ended 30 June 2020 was a negative

USD 1.60 per barrel (1H19: USD 0.21 per barrel); the uplift earned by Refining NZ over the SCM, was USD

3.42 per barrel (1H19: USD 5.10 per barrel). Uplift over the SCM was volatile in the half, impacted by

higher crude freight rates and discounting of crude as the significant oversupply and build in crude oil

inventories caused by COVID-19 led to the use of shipping as floating storage.


Reset 2020 cost base to reduce cash-breakeven to Fee Floor levels

COVID-19 had a significant impact on Refining NZ’s revenue through the weak global refining margins

and the lower refinery and pipeline throughputs.

“At the start of this year, our cash break-even level was significantly higher than the Fee Floor in our

Processing Agreements. In response to the low margin environment and COVID-19 impacts on demand,

we have reviewed all expenditure planned for 2020 and reduced it by around $70 million. This

represents a circa 25% reduction in forecast opex and capex and has reset our 2020 cash-breakeven to

Fee Floor levels. We achieved this reset through both short-term measures – stopping and deferring all

non-essential work and reducing variable costs with lower throughput – as well as longer-term,

structural changes which will reduce our cost base on an ongoing basis through, as an example, a reset

of our turnaround philosophy and asset management strategies”, said James.

Operating costs reported in the first half of the 2020 year were $8 million (7%) lower than the prior

corresponding period in 2019 (excluding natural gas pass-through). Operating the plant in rotating

mode, resulted in significantly lower variable costs, particularly electricity.

Capital invested in the 1H20 amounted to $22.0 million (1H19: $29.8 million), largely in relation to tank

maintenance. Capex guidance for the year has been reduced a further $5 million for the year to $35

million, a 50% reduction in previous guidance of $70 million.


Strengthened balance sheet position with significant headroom and no near-

term maturities

In the first half, Refining NZ extended and expanded its existing bank facilities, increasing the weighted

average term of total debt to over five years and adding $50 million of additional capacity, which

brought the total available debt funding facilities to $400 million (including the company’s $75 million

subordinated notes on issue).

Refining NZ continues to meet its gearing and interest cover covenants in the current low margin

environment while operating at the Fee Floor.

Naomi James said “Refining NZ acted early as the COVID-19 situation was developing to strengthen its
balance sheet, which now provides us with the runway for value creation through the Strategic Review.

“The Company has no significant maturities until 2023 and continues to meet covenants, as a result of

the proactive steps taken by management and the Board to reset the cash-breakeven level of the

business and operate within the Fee Floor in the current low margin environment.

“The ability to extend these facilities in the current business environment is a demonstration of the

commitment and support of the company’s banks,” said James.

Given the challenging low margin and demand environment the Company is operating in, the Company’s

Directors have resolved that it is prudent to not pay an interim dividend to shareholders.


Strategic Review well-progressed

In April, Refining NZ commenced a Strategic Review to determine the optimal business model and

capital structure for its assets to maximise “through the cycle” returns to shareholders, and deliver

secure, competitive fuel supply to New Zealand.

The first phase of the Strategic Review was completed in line with planned timing and an update was

provided to the market on June 25. The Company is now developing plans to simplify refinery

operations and structurally reduce operating costs, making the business robust to an extended period of

low-margins.

In parallel the Company is engaging with customers to evaluate a possible future staged transition to an

import terminal.

Naomi James said, “Simplification of our refinery creates the time and optionality to continue refining

operations in the near-term while we assess the potential option to transition to an import terminal in

the future. We continue to work closely with our customers to assess the longer-term options and with

Government and other stakeholders to ensure there is a planned and coordinated approach to future

changes.”

A further update on the Strategic Review process is expected to be made around the end of the third

quarter.



Outlook

Refining NZ expects GRM to remain volatile in the near term. Singapore Complex Margins are expected

to improve in the second half, but remain weak, compared with historic levels. Refining NZ’s uplift is

expected to continue to be volatile due to COVID-19 impacts to oil and refined product demand and

current high levels of inventory globally, which are expected to take an extended period of time to

unwind.

Following the temporary shutdown in July and August, the refinery will operate in a low production
mode to meet improved fuel demand based on customer requirements. New Zealand demand for jet

fuel is expected to remain impacted by COVID-19 through this year.

The Company has operated on a cash neutral basis since the COVID-19 lockdown and plans to extend

this through the remainder of the year, when factoring in the Processing Fee Floor and reduced RAP

income

4

. Higher variable costs when the refinery returns to low production mode will be offset by lower

cash costs and terminal revenue during the temporary refinery shutdown in July and August.

"I acknowledge that shareholder returns on our capital base are unacceptable and must be addressed.

In the current low margin and volatile environment, our focus is on keeping our cash break-even level at

the Fee Floor, to ensure the Company can withstand an extended period of low margins. Action taken

this year and planning underway to simplify and maintain this lower cash breakeven level into next year,

ensures we have the runway to determine the right future path for the business, which enables a return

to profitability and the payment of dividends for shareholders”, said James.


Refining NZ will host a results presentation call for investors and analysts at 11:00am, Monday 17

August 2020. Please contact Lizzie Thompson at lizzie.thomson@refiningnz.com for dial in details.


Ellie Martel,

Government and External Affairs Manager

E: Ellie.Martel@refiningnz.com

T: +64 (0)20 4174 7226




4

Prior to any Strategic Review implementation costs.

---

REFINING NZ
2020 INTERIM RESULTS

PRESENTATION

use

17 August 2020

2020 INTERIM RESULTS PRESENTATION

For the six months ended 30 June 2020

REFINING NZ
2020 INTERIM RESULTS

PRESENTATION

2

DISCLAIMER

•This presentation contains forward looking statements concerning the financial condition, results and operations of The New Zealand Refining Company Limited

(hereafter referred to as “Refining NZ”).

•Forward looking statements are subject to the risks and uncertainties associated with the refining environment, including price and foreign currency fluctuations,

regulatory changes, environmental factors, production results, demand for Refining NZ’s products or services and other conditions. Forward looking statements

are based on management’s current expectations and assumptions and involve known and unknown risks and uncertainties that could cause actual results,

performance or events to differ materially from those expressed or implied in these statements.

•Forward looking statements include among other things, statements concerning the potential exposure of Refining NZ to market risk and statements expressing

management’s expectations, beliefs, estimates, forecasts, projections and assumptions. Forward looking statements are identifiedby the use of terms and

phrases such as “anticipate”, “believe”, “could”, “estimate”, “expect”, “goals”, “intend”, “may”, “objectives”, “outlook”, “plan”, “probably”, “project”, “risks”, “seek”,

“should”, “target”, “will” and similar terms and phrases.

•Readers should not place undue reliance on forward looking statements. Forwardlooking statements should be read in conjunction with Refining NZ’s financial

statements released with this presentation. This presentation is for information purposes only and does not constitute legal,financial, tax, financial product advice

or investment advice or a recommendation to acquire Refining NZ’s securities, and has been prepared without taking into account the objectives, financial

situation or needs of individuals. Before making an investment decision, you should consider the appropriateness of the information having regard to your own

objectives, financial situation and needs and consult an NZX Firm or solicitor, accountant or other professional adviser if necessary.

•In light of these risks, results could differ materially from those stated, implied or inferred from the forward looking statements contained in this announcement.

RefiningNZ does not guarantee future performance and past performance information is for illustrative purposes only. To the maximum extent permitted by law,

the directors of Refining NZ, Refining NZ and any of its related bodies corporate and affiliates, and their officers, partners, employees, agents, associates and

advisers do not make any representation or warranty, express or implied, as to accuracy, reliability or completeness of the information in this presentation, or

likelihood of fulfilment of any forward-looking statement or any event or results expressed or implied in any forward-looking statement, and disclaim all

responsibility and liability for these forward-looking statements (including, without limitation, liability for negligence).

•Except as required by law or regulation (including the NZX Listing Rules), Refining NZ undertakes no obligation to provide any additional or updated information

whether as a result of new information, future events or results or otherwise.

•Forward looking figures in this presentation are unaudited and may include non-GAAP financial measures and information. Not all of the financial information

(including any non-GAAP information) will have been prepared in accordance with, nor is it intended to comply with: (i) the financial or other reporting

requirements of any regulatory body; or (ii) the accounting principles generally accepted in New Zealand or any other jurisdiction with IFRS. Some figures may be

rounded and so actual calculation of the figures may differ from the figures in this presentation. Non-GAAP financial information does not have a standardised

meaning prescribed by GAAP and therefore may not be comparable to similar financial information presented by other entities. Non-GAAP financial information in

this presentation is not audited or reviewed.

•Each forward looking statement speaks only as of the date of this announcement,17 August 2020.The financial statements referenced in this presentation have

been prepared based on existing Group operations under the current Processing Agreements, as at 16 August 2020.The potential outcomes from the Strategic

Review, which are not solely within the Company’s control, may be substantially different from such existing operations and may therefore impact the financial

performance and financial position of the Company in the future.

REFINING NZ
2020 INTERIM RESULTS

PRESENTATION

•Outstanding safety and operational performance

•Refinery and RAP throughput impacted by COVID-19

•Fee Floor protected the Company against low refining

margins and COVID-19 impacts

•Reset the 2020 cost base to reduce cash-breakeven to Fee

Floor levels

•Early action to strengthen the balance sheet –significant

debt headroom and no material near-term maturities

•Strategic Review well progressed

HY 20 HIGHLIGHTS

REFINING NZ
2020 INTERIM RESULTS

PRESENTATION

4

SAFET Y & ENVIRONMENT

1For a full definition please refer to Glossary in Appendix 1

Incident free operations during period of significant disruption

•No recordable injuries during 2020 –last recordable incident in

Oct 2019

•No Tier 1or Tier 2

[

process safety events

•Successfully operated with frequent cycling of process units (due

to a significant reduction in demand associated with COVID-19) –

reflecting a highly capable workforce and strong operational

discipline

•Workforce flexibility and rapid changes in workplace practices

ensured a healthy workplace and no operational interruption

during COVID-19 lockdown

•TheE TuTangatasafety culture programmeis a finalist in the

2020 New Zealand Workplace H&S Awards

0.0

0.2

0.4

0.6

0.8

1.0

0

2

4

6

8

10

20162017201820192020 YTD

#/200k hours

Number

TOTAL RECORDABLE CASES

[1]

Other TRC (medical treatment, restricted work cases), LHS

Lost time injuries, LHS

LTIF, RHS

TRCF, RHS

0

1

2

3

4

5

6

20162017201820192020 YTD

PROCESS SAFETY INCIDENTS

[1]

Number (for calendar year)

Tier TwoTier One

CONCAWE 2019 Tier 1 + Tier 2,5.24

CONCAWE 2019 Tier 1,2.05

REFINING NZ
2020 INTERIM RESULTS

PRESENTATION

5

DEMAND

HY 19HY20Change

Refinery Throughput

Mbbl

21.215.45.8 ▼

27%

RAP Throughput

Mbbl

10.37.52.8 ▼

27%

Operational availability

%

99.996.83.1 ▼

3%

Effective operational response to unprecedented demand reduction

•Unprecedented fuel demand destruction, due to COVID-19 travel

restrictions

•Substantially lowered production rates and adopted strategies to

minimisejet fuel production. Operational availability adjusted to

align with reduced demand

•Gasoline and diesel demand have largely recovered to pre-

COVIDlevels, however jet fuel demand remains weak at ~40% v

pcp

•Restarting refinery in August after temporary 6-week shutdown to

balance fuel supply

0%

50%

100%

150%

Jan-19

Feb-19

Mar-19

Apr-19

May-19

Jun-19

Jul-19

Aug-19

Sep-19

Oct-19

Nov-19

Dec-19

Jan-20

Feb-20

Mar-20

Apr-20

May-20

Jun-20

% of 2019 average

RAP DELIVERIES BY MONTH, JAN-19 TO JUN-20

DieselJetPetrol

REFINING NZ
2020 INTERIM RESULTS

PRESENTATION

6

* The Singapore Complex Margin is calculated using PlattsDubai crude and Singapore product prices, VLCC freight to Singapore, and the International Energy Agency’s Dubai complex refinery yields adjusted for fuel & loss.

US$/BARREL

HY 19HY 20Change

Singapore Complex Margin*0.21(1.60)(1.81)

Freight2.001.61(0.39)

Product quality0.650.760.11

Plant availability(0.14)(0.22)(0.08)

Crude cost and yield2.591.29(1.30)

Refining NZ uplift5.113.42(1.69)

RNZ GRM5.311.82(3.49)

REFINING MARGINS

Volatile, depressed refining margins due to COVID-19

•Negative Singapore Complex Margin due to COVID-19 impacts

on oil and refined product demand

•Volatility in uplift over Singapore Complex Margin, impacted by

higher crude freight rates and discounting of crude as COVID-19

caused significant oversupply, oil inventory build and use of

shipping as floating storage

REFINING NZ
2020 INTERIM RESULTS

PRESENTATION

7

FINANCIAL

1.For further information, please refer to our Interim Financial Statements, available at http://www.refiningnz.com/investor-centre.aspx

2.For a reconciliation of these Non-GAAP measures, please refer to Appendix 3 and refer to our Interim Financial Statements for further detail

3.Cashflow associated with Capex

4.For a full definition please refer to the Glossary in Appendix 1

5.Net debt as at 31 December 2019

Reset the cost base while operating at the Fee Floor

•Significant decline in revenue due to low margins and

throughput –COVID-19 impacts

•Fee Floor in operation protecting against full extent of

margin and demand decline

•Net loss after tax impacted by non-cash impairment of

$158 million (net of tax)–revised refining margin

assumptions reflecting excess global capacity and

COVID-19 impacts

•Free cash flow neutral and net debt flat since April

2020

HY 19HY20Change

Revenue -Refinery

[1]

NZ$M

146.196.549.6 ▼34%

Revenue -Infrastructure

[1]

NZ$M

25.5

22.62.9 ▼11%

EBITDA

[2]

NZ$M

54.115.438.7 ▼72%

Adjusted EBITDA

[2]

NZ$M

56.220.535.7 ▼64%

Capex

[3]

NZ$M

29.822.07.8 ▼26%

Free cash flow

[4]

NZ$M

18.2

(8.3)26.5 ▼nm

Net Profit/(Loss) after tax

NZ$M

(3.5)(186.3)(182.8)▲nm

Net Debt

[4][5]

NZ$M

241.4249.78.3▲3%

REFINING NZ
2020 INTERIM RESULTS

PRESENTATION

8

56

(56)

(32)

2

39

314

20

-40

-30

-20

-10

0

10

20

30

40

50

60

70

NZ$m

Fee floor

Refining

margin

HY 2019

HY 2020

Net cost

reduction

Refining

volume

FX

RAP

Revenue

1.The above chart excludes any movementin pass through costs such as natural gas, sulphur and carbon. See our Financial Statements for further detail, available at http://www.refiningnz.com/investor-centre.aspx

2.For a definition of Adjusted EBITDA, please refer to the Glossary in Appendix I. For a reconciliation of this Non-GAAP measure,please refer to Appendix 3 and our Interim Financial Statements.

Decline in revenue partly offset by Fee Floor payments and cost

reductions

ADJUSTED EBITDA VARIANCES TO HY19

•Lower variable costs (cyclic

mode)

•Stopped non-essential

activity

•Campaign maintenance

approach

•Wages subsidy

GRM

▼66%

HY 20: US$1.82/bbl

HY19:US$5.31/bbl

Processing Fee Revenue ▼(27%)

NZ$86 m

Refinery volumes

▼27%

HY 20: 15.5 Mbbl

HY 19:21.2 Mbbl

Fee floor

equivalent of

US$4.10/bbl

REFINING NZ
2020 INTERIM RESULTS

PRESENTATION

9

(32)

(35)

0

50

100

150

200

250

300

NZ$m

Opex

FY20

FEBRUARY

GUIDANCE

FY20

LATEST

Capex

Opex

Capex $70

Opex

Capex $35

c$70M REDUCTION IN 2020 OPEX AND

CAPEX

Provides foundation for operating cash neutral from Q2 in 2020

The above chart excludes any movement in pass through costs such as natural gas, sulphur and carbon and prior to any Strategic Review implementation costs.

•Deferral of platformer and crude distillation shutdown into

2021

•Optimisationof capital budget, in line with latest asset

management strategy

•Reduced variable costs from lower refinery production

•Reduction in the number of people on site, focused on

essential activity

•Lower electricity costs, ~20% of our cost base, during the

cycling of our process plant

▼25%

REFINING NZ
2020 INTERIM RESULTS

PRESENTATION

10

FINANCIAL

1 Net tangible asset backing per share (NTA) calculates as the Group’s net assets, excluding intangible assets and derivativefinancial assets and liabilities.

2 Gross refining margin is a 6-monthly actual margin earned by Refining NZ, prior to any Fee Floor adjustments.

Strong net tangible asset backing

•Share price over the previous 12 months has tracked the decline

in GRM, well below the post-impairment NTA of $1.74 per share

•Impairment testing has been undertaken based on existing

refining business model and Processing Agreements before

Strategic Review outcomes

•Revised refining margin assumptions reflecting excess global

capacity and COVID-19 impacts has resulted in $158m

impairment after tax

•Transparent disclosure in financial statements of basis for

impairment assessment, given margin uncertainty in current

environment and changes in cost base and Strategic Review

underway

•Valuation of infrastructure assets underway as part of Strategic

Review work

REFINING NZ
2020 INTERIM RESULTS

PRESENTATION

11

BALANCE SHEET STRENGTHENED

Maintaining cash neutral position

•February 2020 matrix guidance withdrawn:

-Steps taken to maintain cash neutral position

-$70 million reduction in FY20 planned expenditure

•Covenant compliant:

-12 months to 30 June 2020, includes 8 months at the Fee Floor

-Further covenant headroom expected in 2021 as interest rate

swaps mature

1.Refer to Appendix 3 for an outline of covenants

Gearing

Max 45%

CovenantActual

30 June 2020

25%

Interest cover

Min4x9x

Total Interest cover

Min 2x6x

REFINING NZ
2020 INTERIM RESULTS

PRESENTATION

12

BALANCE SHEET STRENGTHENED

Creating runwayfor value creation through Strategic Review

•Increased and extended debt facilities:

•$50m of additional lines

•extended maturities on $120m debt

•5.3 years average tenor and no significant maturities in near

term

•c$150m of facility headroom/cash as at 30 June 2020

•Average interest rate of 5.4% in HY20, down from 5.9% for HY19,

due to lower fixed rate debt and lower floating rates

25%

56%

19%

Available funding

Floating debt:

Senior debt –<2% p.a.

Fixed debt:

Subordinated Notes -5.1%p.a.

Senior debt (interest rate swaps) –c6% p.a.

1.This chart outlines borrowings profile after taking into account a post 30 June 2020 extension of $40M bank facilities from 2022 to 2024

REFINING NZ
2020 INTERIM RESULTS

PRESENTATION

13

STRATEGIC REVIEW

Focused on unlocking the full value of our assets

Simplify refinery

operations

Future staged

transition to an

import terminal

▪Focused on achieving a structural reduction in complexity and operating cost within the

existing Processing Agreement

▪Permanent reset of cash-breakeven level to Fee Floor level –making business robust to

an extended period of low-margins

▪Creates time and optionality to assess potential import terminal option

▪Plans expected to be finalisedaround the end of Q3, ahead of implementation in Q4

▪Significant latent value in our highly strategic infrastructure assets, which provide an

efficient and reliable supply chain to the large Auckland market

▪Exploring a commercial framework with customers, overseen by the Independent

Directors

▪Focus on self-funded transition through level and timing of transition costs, balance

sheet efficiency and tariff structure

▪Any transition would ultimately require shareholder approval (excluding customer

shareholders)

Phase I complete, with two options taken forward to Phase II (detailed planning)

–next update around end of Q3

REFINING NZ
2020 INTERIM RESULTS

PRESENTATION

14

OUTLOOK

•GRM expected to remain volatile in the near term

•COVID-19 impacts & recovery, USA-China tensions andChinese exports

•Singapore Complex Margin forecast to improve from H1, but remain weak

•Refining NZ uplift expected to remain volatile due to COVID-19 and global inventory levels

•Refinery to return to low production mode after temporary shutdown in July/August. NZ jet demand expected to remain low through2020

•Expect processing fees to remain at Fee Floor level though H2 2020

•Focus on keeping cash-breakeven level at the Fee Floor, while progressing Strategic Review detailed planning

Uncertain market conditions persist, exacerbated by COVID-19

500

600

700

800

4,000

5,000

6,000

7,000

Jan-14

Apr-14

Jul-14

Oct-14

Jan-15

Apr-15

Jul-15

Oct-15

Jan-16

Apr-16

Jul-16

Oct-16

Jan-17

Apr-17

Jul-17

Oct-17

Jan-18

Apr-18

Jul-18

Oct-18

Jan-19

Apr-19

Jul-19

Oct-19

Jan-20

Apr-20

Jul-20

Oct-20

Jan-21

Apr-21

Jul-21

Oct-21

mmb

mmb

Global Hydrocarbon Stock Levels

Actual Crude Stock Level (LHS)Forecasted Crude Stock Level (LHS)

Actual Product Stock Level (RHS)Forecasted Product Stock Level (RHS)

REFINING NZ
2020 INTERIM RESULTS

PRESENTATION

•Challenging and volatile market conditions persist,

exacerbated by COVID-19

•Maintain cash break-even through 2020 at Fee Floor

•Strategic Review well progressed–simplification plans to

be finalisedend Q3 for implementation

LOOKING AHEAD

REFINING NZ
2020 INTERIM RESULTS

PRESENTATION

use

17 August 2020

2020 INTERIM RESULTS PRESENTATION

For the six months ended 30 June 2020

REFINING NZ
2020 INTERIM RESULTS

PRESENTATION

17

APPENDIX 1GLOSSARY

•Concawe–an organisationthat benchmarks safety performance for member companies and JV’s in the EU, Norway and Switzerland. The

latest benchmarking study was carried out in respect of 2019 performance, covering 42 member organisations.

•LTIF–Lost time injury frequency (rolling 12 month per 200,000 hours)

•TRCF –Total recordable case frequency (rolling 12 month per 200,000 hours)

•Tier 1 Process Safety Event (API 754)–A tier 1 Process Safety Event (PSE) is an unplanned or uncontrolled release of any material,

including non-toxic and non-flammable, from a process which results in one or more of the following: A LTI and/or fatality; A fire or explosion

resulting in greater than or equal to $25,000 of direct cost to the company; A release of material greater than the thresholdquantities given in

Table 1 of API 754 in any one-hour period; A officially declared community evacuation or community shelter-in-place.

•Tier 2 Process Safety Event (API 754)–A tier 2 Process Safety Event (PSE) is an unplanned or uncontrolled release of any material,

including non-toxic and non-flammable, from a process which results in one or more of the following: A recordable injury; A fireor explosion

resulting in greater than or equal to $2,500 of direct cost to the company; A release of material greater than the threshold quantities given in

Table 2 of API 754 in any one-hour period.

•Net debt –Net debt comprises total borrowings less cash and cash equivalents

•Reported EBITDA–Earnings Before Interest, Tax, Depreciation and Impairmentis a non-GAAP measure.Please refer to Appendix II for a

reconciliation

•Adjusted EBITDA -Reported EBITDA adjusted for other non-cash expenses, and used for bank covenant purposes

•Free Cash Flow –net cash generated from operations less investing activities

REFINING NZ
2020 INTERIM RESULTS

PRESENTATION

2020 HY RESULTS PRESENTATION

APPENDIX 2NON-GAAP MEASURES

Refining NZ’s standard profit measure prepared under New Zealand Generally Accepted Accounting Practice (NZ GAAP) is net profit/(loss) after

tax.Refining NZ has used non-GAAP measures when discussing financial performance in this Half-Year Report.The Directors and Management

Team believe that these measures provide useful information as they are used internally to evaluate segmental and total Groupperformance, to

establish operating and capital budgets as well as being used for bank covenant purposes.

Non-GAAP profit measures are not prepared in accordance with NZ IFRS (New Zealand equivalents to International Financial Reporting

Standards) and are not uniformly defined, therefore the non-GAAP profit measures included in this report are not comparable withthose used by

other companies.They should not be used in isolation or as a substitute for GAAP profit measures as reported by Refining NZ inaccordance with

NZ IFRS.

GROUPGROUP

30 JUNE30 JUNE

20202019

$000$000

Reported net loss for the period (GAAP)

(186,348)(3,503)

Add back:

Income tax(70,879)(1,327)

Net interest expense6,406 6,743

Impairment of assets218,903 -

Depreciation

47,300 52,137

Reported EBITDA15,382 54,050

Add back non-cash expenses:

Stock obsolescence provision

3,269

278

Defined benefit pension fund cost1,720 1,842

Interest income146 24

Adjusted EBITDA20,517 56,194

REFINING NZ
2020 INTERIM RESULTS

PRESENTATION

2020 HY RESULTS PRESENTATION

APPENDIX 3COVENANTS

Refining NZ’s banks have been grated the benefit of a Negative Pledge Deed, which sets out a number of covenants that the Company agrees to

comply with.These are outlined as follows:

Senior Interest Cover RatioThe ratio of Negative Pledge EBITDA

[1]

to Interest Expense for the Refining NZ Group which is to be not less than 4.0

times. Interest expense includes the majority of interest on debt but does not include any interest or Deferred Interest paid with respect

to the Subordinated Notes.

Total Interest Cover RatioThe ratio of Negative Pledge EBITDA (Adjusted EBITDA) to Total Interest Expense for the Refining NZ Group which is to

be not less than 2.0 times. Total interest expense is the Interest Expense plus any interest or Deferred Interest paid with respect to the

Subordinated Notes.

A gearing ratioThe ratio of bank deb to the sum of bank debt plus shareholder equity for Refining NZ which is required to be not

greater than 45%.

The senior interest and total interest cover ratios are tested semi-annually and are only breached if they are not met on two consecutive test

dates. The gearing ratio is tested at all times.

1.Negative Pledge EBITDA has the same meaning as “Adjusted EBITDA” as set out in Appendix 1 and 2

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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