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Australian Ethical Investment
Annual Report 2008

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FY2008 Annual Report · Australian Ethical Investment
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australianethical
ANNUAL REPORT TO 
SHAREHOLDERS

Year ended 30 June 2008

1800 021 227  •  www.austethical.com.au         

australianethical
investment + superannuation

R

Financial summary to 30 June 2008

as at

30 June 2008

30 June 2007

30 June 2006

30 June 2005

Current assets ($’000)

Non-current assets ($’000)

Current liabilities ($’000)

Non-current liabilities ($’000)

Net assets ($’000)

6 362

11 152

2 658

113

8 381

5 174

4 879

2 293

76

7 684

5 176

3 103

1 928

77

6 274

5 833

701

1 456

31

5 047

2000

1800

1600

1400

1200

1000

800

600

400

200

0

0
0
0
1
$

200

180

160

140

120

100

80

60

40

20

0

s
t
n
e
c

n
o

i
l
l
i

m
$

650
600
550
500
450
400
350
300
250
200
150
100
50
0

Profit after tax (NPAT)

1819.2

1651.8

1362.6

784.4

459.8

2004

2005

2006

2007

2008

Year ending 30 June

Basic earnings per share

194.8

170.3

150.3

89.6

52.9

2004

2005

2006

2007

2008

Year ending 30 June

Funds under management
(ex distribution)

552

562

417

311

267

2004

2005

2006

2007

2008

As at 30 June

n
o

i
l
l
i

m
$

%

13
14
13
12
11
10
9
8
7
6
5
4
3
2
1
0

30

27

24

21

18

15

12

9

6

3

0

e
r
a
h
s

r
e
p
s
t
n
e
c

200

180

160

140

120

100

80

60

40

20

0

Revenue

14.06

12.47

9.66

7.42

5.90

2004

2005

2006

2007

2008

Year ending 30 June

Return on equity

26.1

24.1

20.6

16.4

10.4

2004

2005

2006

2007

2008

Year ending 30 June

Dividends paid

192

165

85

72

52

2004

2005

2006

2007

2008

Year ending 30 June

2005 figures in the above tables and graphs have been adjusted where necessary as for first time adoption of Australian equivalents to International 
Financial Reporting Standards (AIFRS).

AUSTRALIAN ETHICAL INVESTMENT LTD

 
 
 
 
Contents

Chair’s report   

Chief executive officer’s report 

Sustainability report  

Corporate governance statement 2008  

Directors’ report 

Financial statements 

Shareholder information  

Corporate directory  

Corporate vision and mission  

4

5

7

10

14

27

58

59

59

Charter

The Company will order its affairs so as to 
provide for and to support:

 the development of workers’ participation in the ownership and 
control of their work organisations and places;

a.

b.

The Company will also order its affairs so 
as to avoid activity which is considered to 
unnecessarily:

i.

pollute land, air or waters;

the production of high quality and properly presented products 
and services;

ii.

destroy or waste non-recurring resources;

c.

the development of locally based ventures;

d.

the development of appropriate technological systems;

iii.

extract, create, produce, manufacture, or market materials, 
products, goods or services which have a harmful effect on 
humans, non-human animals or the environment;

e.

the amelioration of wasteful or polluting practices;

iv.

market, promote or advertise, products or services in a 
misleading or deceitful manner;

f.

the development of sustainable land use and food production;

g.

the preservation of endangered eco-systems;

h.

activities which contribute to human happiness, dignity and 
education;

v.

create markets by the promotion or advertising of unwanted 
products or services;

vi.

acquire land or commodities primarily for the purpose of 
speculative gain;

the dignity and well being of non-human animals;

vii.

create, encourage or perpetuate militarism or engage in the 
manufacture of armaments;

the efficient use of human waste;

viii.

entice people into financial over-commitment;

i.

j.

k.

the alleviation of poverty in all its forms;

l.

the development and preservation of appropriate human 
buildings and landscapes.

ix.

exploit people through the payment of low wages or the 
provision of poor working conditions;

x.

discriminate by way of race, religion or sex in employment, 
marketing, or advertising practices;

AUSTRALIAN ETHICAL INVESTMENT LTD

 
   
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Chair’s report

A sound year during troubled times
The board is pleased to report that Australian Ethical 
Investment Ltd has had another sound year in terms of 
profit and return on equity, with a dividend declaration of 
$1.65 per share and a return on equity of 20.6%. While both 
these figures are somewhat lower than our 2007 record 
returns, they are very good in light of the market turbulence 
experienced over the past six months. Our balance sheet 
remains strong with the ability to finance our strategic 
initiatives discussed below. 

With market volatility at record levels, it is worthwhile to 
review the fundamental growth prospects of our industry. 
The board is confident that our growth prospects remain 
strong, despite the market downturn. Our trusts have held 
up well relative to the market through the downturn. Our 
Equity Trust and Large Companies Share Trust in particular 
have outperformed their respective benchmarks strongly 
during the last few rocky months. 

While the overall ethical market in Australia is still quite small 
- about $17 billion - it is growing very fast. Investments that 
systematically take environmental, social and governance 
issues into account outgrew mainstream investing by more 
than double in the year to June 2007. They grew by 43%, 
from $12 billion to $17 billion, compared to 20% growth in 
the managed investments industry overall.

Within this high growth stream, Australian Ethical has a 
brand which is true to form, strong, and the envy of many 
others in the area. However, our brand recognition lags 
behind where it could be, partly because we have not had 
the capacity for large scale marketing expenditure and 
partly because we have focused on deep green niche target 
markets. We are currently in the middle of a two year project 
to address this, including:

•

•

the development of marketing messages that are 
tangible and more accessible than the principles of the 
Charter 

close work with asset consultants and rating agencies 
to improve their understanding of our products.

We are confident that this will bear fruit in the next two 
years.

Our retail superannuation business has steadily grown 
as a percentage of our total business over the last five 
years, and now represents well over 50% of our funds 
under management. This business is much less sensitive 
to market fluctuations than our managed investments 

AUSTRALIAN ETHICAL INVESTMENT LTD

4

business and we are confident that this part of our business 
will continue to grow strongly. The board is mindful of recent 
statements by the government regarding the high cost of 
retail superannuation funds and has a strategy in place to 
minimise the impact of any government intervention in this 
area. 

We are pleased to advise shareholders that our search for 
high quality non-executive directors has borne fruit this year, 
with the appointment of Andre Morony and Les Coleman 
to the board. Non-executive directors, Justine Hickey 
and Andre Morony bring to our board wide external funds 
management experience, while Les Coleman has deep risk 
management expertise. 

Caroline Le Couteur has indicated that she will not be 
standing for re-election to the board this year meaning that 
the board will shortly comprise a majority of non-executive 
directors. I would personally like to thank Caroline for her 
significant contribution to the board of Australian Ethical over 
the last 17 years and for her commitment over that time to 
our Charter. 

We continue our 2007 strategy of broadening our marketing 
reach beyond our traditional support base. A 2008 strategy 
meeting also identified the need for a review of our internal 
IT systems, and this is now underway to ensure our systems 
are robust to deal with future growth.  

I have enjoyed my first year as chair and can personally 
attest to the qualities of Anne O’Donnell as CEO and 
managing director of Australian Ethical. While many boards 
are changing CEO during these troubled times, I have 
full confidence in Anne to deliver shareholder returns in a 
sustainable way. Anne has recruited a strong team around 
her, including Martin Halloran, our new chief investment 
officer and Paul Harding-Davis, our new head of distribution. 
I believe this team will take the best of Australian Ethical, 
which is our people, our ethical investment processes and 
our Charter, and use them in new and exciting ways which 
will grow our company into the future.  

Naomi Edwards 
Chair

 
0
0
0

0
6
$

0
0
0

0
5
$

5
4
9
7
$

0
0
0
5
$

Grants to community  
organisations

Bluegreen Films - ‘Sustainability & Co’ a 
three part documentary series on corporate 
sustainability and governance will be produced 
by Bluegreen Films.

MSAP - University of NSW Medical Students’ Aid 
Project will stock a community store with school 
and household essentials, purchase a motorised 
canoe, fuel and one year’s salary for a canoe 
pilot to transport the products to remote riverside 
markets.

Barefoot Economy

Engineers Without Borders - Tonle Sap Lake 
Project

Australian Marine Conservation Society

WaterAid Australia

ACT Eden Monaro Cancer Support Group

New Internationalist Publications

Edmund Rice Centre for Justice and Community 
Education

Pedal Power ACT

Fair Trade Association of Australia and New Zealand

Animals Asia Foundation (Australia)

Child Wise

Rainforest Rescue

Royal Institute for Deaf and Blind Children

Sustainable Maleny

The Qld. Society for Crippled Children 

Asian Women at Work

Bush Heritage Australia

Clean Ocean Foundation

Romero Centre

Trees For Life

Broken Hill & District Hearing Resource Centre

Kuusa Services Centre

The Australian Conservation Foundation

0
0
0
3
$

  A full description of all the grant recipients is available on the 

website www.austethical.com.au/cg

Chief Executive’s report

The financial year ended 30 June 2008 reflects a year of two 
halves. The Australian Ethical Investment group performed 
strongly in the first half of the year however the full year result 
reflects the volatility and uncertainly that has been experienced 
in global financial markets. The Australian Ethical trusts had 
no direct exposure to any ‘sub-prime’ investments, however 
we have experienced the impact of falling asset prices and 
depressed investor sentiment. The company recorded a 
consolidated net profit of $1.65 million. This trading result 
represents a decrease on the previous financial year’s excellent 
result of $1.82m. Whilst it is disappointing to record a decrease 
in year on year profit, given the difficult circumstances 
experienced in the financial markets I consider this a good 
result.  

The company achieved strong growth in funds under 
management during the first half of the financial year with funds 
peaking at $645m. This growth and the revenue generated 
cushioned the impact of downward market movements 
which occurred in the second half of the financial year. As at 
30 June 2008, funds under management totalled $562m (ex 
distribution). This compares with funds under management of 
$552m (ex distribution) as at 30 June 2007. 

The relative flatness in funds under management, combined 
with some increased costs and additional expenditure on 
business development, resulted in the cost to income ratio  
increasing from 76% in 2007 to 80%. This increase is in 
contrast with the steadily declining trend experienced in the 
past four financial years. Return on equity was also impacted 
falling from 26.1% to 20.6%. 

The Australian Ethical Trusts performed credibly in a year of 
poorly performing financial markets with the returns for three of 
our five trusts exceeding their benchmarks. This was a good 
result and important as the success and growth of our business 
is dependant on the performance of the Australian Ethical 
trusts. We remain committed to investing in quality companies 
taking into account ethical and financial strength and ensuring 
our returns are commensurate with the risk profile of an 
individual trust. 

The Australian Ethical Retail Superannuation Fund has 
continued to experience steady inflow of funds in line with 
expectations. On 1 April 2008 we transited the administration 
of our superannuation fund to a new service provider. This 
process has not been without its difficulties and we have 
incurred one-off costs as part of this process. Despite these 
transitional problems it is apparent the move will result in a 
more robust administration of the superannuation fund. In the 
past the fee structure of the administrator was linked to funds 

5

AUSTRALIAN ETHICAL INVESTMENT LTD

 
 
loyal customer base. Whilst we are mindful of the need to 
monitor our costs closely, we do not intend to undertake any 
radical changes to our business model at this time. 

As previously flagged we are keen to attract increased  
non-retail investment. We continue to implement strategies 
which will allow us to tap into the growing commercial interest in 
sustainable investment. We also believe the rise in shareholder 
activism offers some exciting opportunities which complement 
our expertise and have the potential to expand our customer 
base. We are currently exploring the possibility of bringing to 
market a product which will tap into this trend.  

All the staff at Australian Ethical have been working hard in what 
has been a very difficult financial market. I would like to thank 
them for their diligence and commitment. I would also like to 
thank you, our shareholders, for your ongoing support and I 
look forward to seeing you at the annual general meeting on 27 
November. 

Anne O’Donnell 
Chief executive officer and managing director

Chief Executive’s report

under management. The new structure is not linked to funds 
under management and we estimate this new arrangement will 
result in savings greater than half a million dollars in the current 
financial year. 

When considering the level of dividend the directors are mindful 
of the significant franking credits held by the company and the 
need to ensure we have sufficient capital to provide prudent 
reinvestment into the business. The directors have decided that 
shareholders will be paid a final dividend (fully franked) of $1.20 
per ordinary share. Added to the interim dividend of 0.45 cents 
per share, the total dividend for the 2007–08 financial year will 
be $1.65 per share. 

The Australian Ethical Retail Superannuation Fund was awarded 
the inaugural Infinity Award at the Conference of Major Super 
Funds (CMSF) in March 2008. The award signifies the Fund as 
Australia’s most environmentally and socially conscious fund 
and a leader in sustainable investment and sustainable business 
practices.

Trevor Pearcey House continues to meet high standards 
of energy efficiency and to provide our employees with a 
comfortable and productive working environment. Interest in the 
building continues to be strong and this has been very useful in 
raising the profile of Australian Ethical generally. In July this year, 
our refurbishment won the Banksia Environmental Foundation 
award for the Built Environment. The Prime Minister is the 
Chief Patron of the awards and the win comes on the 20 year 
anniversary of the awards.

Outlook
A significant portion of investment in the Australian Ethical trusts 
comes from retail clients. This money has traditionally been 
‘sticky’ in times of market downturn and historically the trusts 
have not experienced significant outflows. However, Australian 
Ethical is not immune to market volatility and negative investor 
sentiment. It is highly likely we will see the impact of these 
factors in our funds under management and revenue numbers 
during the 2008−09 financial year. A decline in revenue has the 
potential to impact company profitability. 

Offsetting potential declines in revenue are savings which 
will flow from changes we have made to our custodian and 
superannuation administration providers. The company will 
continue to focus on building and servicing its clients and 
streamlining its processes, ensuring scalability and efficiency of 
operations. During challenging financial periods it is tempting to 
take the easy option and cut costs dramatically and potentially 
endanger future growth opportunities. Australian Ethical is 
fortunate in that we have a unique product offering and a very 

AUSTRALIAN ETHICAL INVESTMENT LTD

6

Sustainability Report

Australian Ethical remains committed to conducting our own operations 
in accordance with the Australian Ethical Charter. Below are some of this 
year’s sustainability highlights. Further information on Australian Ethical’s 
social, environmental and economic performance will be provided in the 
company’s 2008 sustainability report.

Awards
Australian Ethical won a number of sustainability awards this year.

Keep Australia Beautiful 2007 ACT Sustainable Cities Awards - August 2007

Australian Ethical Investment was awarded ‘Overall Winner’ in the Keep Australia 
Beautiful 2007 ACT Sustainable Cities Awards. The award recognises the 
sustainable refurbishment of our Trevor Pearcey House premises.

Resource Recovery Award - October 2007

Australian Ethical Investment won the Resource Recovery Award as part of the 
national Australian Sustainable Cities Awards.

Six-star Green Star Certified Rating by the Green Building Council of Australia 
- October 2007

Trevor Pearcey House was awarded the ‘world leadership’ rating of 6 stars by the 
Green Building Council of Australia – the third building in Australia to receive such 
a rating. The Green Star rating system, an initiative of the Green Building Council 
of Australia, evaluates the environmental design and performance of Australian 
buildings based on a number of criteria, including energy and water efficiency, 
quality of indoor environments and resource conservation.

First runner up for Best SME Report at the CR Reporting Awards 2007 - March, 2008

Australian Ethical Investment’s 2006 Sustainability Report was awarded first runner up 
for Best SME Report at the CR Reporting Awards 2007. Global and independent, the 
CR Reporting Awards identify and acknowledge the best in corporate non-financial 
reporting. The CR Reporting Awards are managed by CorporateRegister.com - the 
world’s largest online directory of corporate responsibility and sustainability reports.

Infinity Award presented to the Australian 
Ethical Retail Superannuation Fund for the most 
environmentally and socially conscious fund 
– March 2008

Banksia Built Environment Award received for Trevor Pearcey House from the 
Banksia Environmental Foundation Awards – July 2008

Trevor Pearcey House won the Banksia Environmental Foundation award for the 
Built Environment. The Banksia Environmental national Awards, now in its 20th 
year, are regarded as the most prestigious environmental awards in Australia. 
The Prime minister, Kevin Rudd, is the Chief Patron of the awards. Deputy Prime 
Minister, Julia Gillard and the Minister for the Environment, Heritage and the Arts, 
Peter Garret attended the awards evening. 

AUSTRALIAN ETHICAL INVESTMENT LTD

Trevor Pearcey House – First full financial year of performance data!
The 2007–08 year was Australian Ethical’s first full financial year in our refurbished business premises, Block E of Trevor 
Pearcey House. So how did it perform?

Energy use
During 2007–08 (our first full year in Trevor Pearcey House), 
Australian Ethical used 346 247 MJ or 380 MJ/sqm of 
energy (69 150 kWh of electricity and 97 306 MJ of gas). 
On a per square metre basis, this represents a 48 per cent 
reduction on our 2006–07 energy use (8 months in the 
Downer offices and 4 months in Trevor Pearcey House) and 
a 63 per cent reduction on our 2005–06 energy use (our last 
full year at the Downer offices).

Electricity use per square metre fell by 29 per cent, from 
107 kWh/sqm in 2006–07 to 76 kWh/sqm in 2007–08. 
When compared to 2005–06, our last full year in the Downer 
offices, the decrease was 39 per cent. Gas use per square 
metre fell from 339 MJ/sqm in 2006–07 to 107 MJ/sqm in 
2007–08, representing a decrease of 68 per cent. Compared 
to 2005–06, the decrease was 82 per cent.

To neutralise the greenhouse gas impact of our energy 
use, Australian Ethical purchased 100 per cent accredited 
Green Power from ActewAGL and purchased carbon credits 
from Climate Friendly https://climatefriendly.com/. If we 
had not done this, greenhouse gas emissions from energy 
use at Trevor Pearcey House during 2007–08 would have 
totalled 79.65 tonnes CO2-e or 0.087 tonnes CO2-e/sqm. 
This is still 72 per cent lower than the greenhouse gas 
emissions from an average Canberra office building and 
highlights the environmental benefits that can be achieved by 
refurbishing and fitting out an existing office block according 
to green building design principles. The refurbishment was 
undertaken using a conventional budget and used accepted, 
conventional and low-technology design principals. Further 
information on the Trevor Pearcey House refurbishment can 
be found on Australian Ethical’s website.

AUSTRALIAN ETHICAL INVESTMENT LTD

Water use
During 2007–08, Australian Ethical used 99 kL or 0.11kL/
sqm of mains water. This is 85 per cent less than the median 
Canberra office water consumption benchmark of 0.72 
kL/sqm. On a per square metre basis, water use in 2007–08 
was 66 per cent lower than in 2006–07 and 73 per cent 
lower than in 2005–06.

This is an exceptional result and highlights the benefits of 
incorporating water efficient features in the refurbishment of 
Trevor Pearcey House. These features include:

•

•

•

•

•

taps upgraded to 4L per minute, showerheads to 5A 
fittings - 6L per minute

upgrade of the existing single flush toilets to dual flush 
with a 9/4.5L system.

urinals upgraded with a Sani-Sleeve low water use 
system reducing water use by 95%

rainwater tanks collecting from the roof and plumbed for 
use in flushing the toilets

garden drip irrigation with moisture sensor

Climate change and the associated reduction in rainfall in 
south eastern Australia has resulted in significantly lower 
runoff into our streams and rivers. This, combined with 
the over-allocation and inefficient use of water has placed 
immense pressure on our river systems and water supplies. 
The installation of water efficient features in all existing and 
new commercial buildings would result in significant savings 
of our most precious resource.

Energy use for the financial years 2005–06, 2006–07 and 2007–08*

Energy Use

Financial year

Energy MJ**
Energy MJ/sqm
Electricity kWh
Electricity kWh/sqm
Gas MJ 
Gas MJ/sqm
GHG emissions (tonnes CO2-e)
GHG emissions (tonnes CO2-e/sqm)

2005–06
669 113
1 037
79 644
124
382 393
593
107.86
0.167

2006–07
505 271
725
76 248
107
230 779
339
93.46
0.133

* 2007–08 unaudited results. ** Sum of total gas and electricity usage, where 1 kWh = 3.6 MJ.

Community Grants Scheme
As prescribed in Australian Ethical’s constitution, 10 per 
cent of our profit is donated to charitable, benevolent and 
conservation purposes as part of our contribution to a positive 
and sustainable society. In 2008 Australian Ethical paid 
$200,891 to 25 organisations involved in a wide range of 
environmental, charitable and community activities.

The grants consist of two components – two major project 
grants and a number of smaller grants. The large major project 
grants are typically made to one social and one conservation 
project that have a lasting tangible impact.

The major project grants for 2008 were awarded to Bluegreen 
Films and Medical Students Aid Project.

Bluegreen Films is ….
Bluegreen Films’ grant will enable production of a half hour television 
program focussing on corporate sustainability and governance 
issues. The program will examine examples of corporate behaviour 
where business as usual may not be the way to go.

Medical Students’ Aid Project (MSAP) is an aid organisation 
based at University of New South Wales which aims to 
provide targeted assistance to communities and hospitals in 
the developing world. MSAP will collaborate with ‘HandUp 
Congo’ www.handupcongo.org to support the Congolese 
women’s NGO ‘Fondation Lucie Otaenga’ in Lotumbe, a 
remote regional health hub in the Democratic Republic of 
Congo’s Equatorial Province. MASP’s grant will be used 
to stock a community store with school and household 
essentials, purchase a motorised canoe, petrol and one year’s 
salary for a canoe pilot to allow Fondation Lucie Otaenga 
to sell these products at riverside markets and at the same 
time help medical workers access isolated communities. 
Profits will be used to purchase and distribute nets to combat 
malaria, the leading cause of infant mortality in the Democratic 
Republic of Congo. 

Organisations awarded grants under Australian Ethical’s 
community grants program 2008 are listed right.

Further information on our Community Grants scheme, 
including application guidelines and selection criteria, can be 
found on the company website.

Organisation
Bluegreen Films 

Medical Students Aid Project

Barefoot Economy Ltd

Engineers Without Borders - Tonle Sap Lake 
Project

Australian Marine Conservation Society

WaterAid Australia

ACT Eden Monaro Cancer Support Group 
Inc

New Internationalist Publications Pty Ltd

Edmund Rice Centre for Justice and 
Community Education

Pedal Power ACT

Fair Trade Association of Australia and New 
Zealand Inc.

Animals Asia Foundation (Australia) Limited

Child Wise

Rainforest Rescue

Royal Institute for Deaf and Blind Children

Sustainable Maleny

The Qld. Society for Crippled Children 
(known as) MontroseAccess

Asian Women at Work Inc

Bush Heritage Australia

Clean Ocean Foundation

Romero Centre

Trees For Life Incorporated

Broken Hill & District Hearing Resource 
Centre Inc

Kuusa Services Centre

The Australian Conservation Foundation Inc.

2007–08
346,247
380
69 150
76
97 306
107
79.65
0.087

Amount
$60,000

$50,000

$7,900

$7,900

$5,000

$5,000

$5,000

$5,000

$5,000

$5,000

$3,000

$3,000

$3,000

$3,000

$3,000

$3,000

$3,000

$3,000

$3,000

$3,000

$3,000

$3,000

$3,000

$3,000

$3,000

Total

AUSTRALIAN ETHICAL INVESTMENT LTD

$200,891

Corporate governance statement 2008

This statement discloses the extent to which Australian 
Ethical Investment Ltd has followed the best practice 
recommendations set down by the ASX Corporate 
Governance Council during the reporting period. This 
statement has been prepared with reference to the first edition 
of the Council’s Principles of Good Corporate Governance and 
Best Practice Recommendations. Australian Ethical will report 
against the second edition of the Principles in its 2009 annual 
report. 

The Council’s Principles of Good Corporate Governance and 
Best Practice Recommendations provide a framework for 
good governance set out in ten core principles and 28 specific 
recommendations. 

While the ASX Listing Rules only require exception reporting 
against the specific recommendations, Australian Ethical has 
provided information on its corporate governance practices 
against all recommendations.

Lay solid foundations for management and 
oversight
Australian Ethical has formalised the functions reserved to the 
board and those delegated to management. Responsibility for 
any function not delegated to management remains with the 
board. 

The primary responsibilities of the board include:

•

•

•

•

•

appointment and appraisal of the performance of the 
CEO;

the approval of annual financial statements;

the establishment of the goals of the company and 
strategic plans to achieve those goals;

the review and adoption of annual budgets for the financial 
performance of the company and monitoring the results 
on a regular basis; and

risk management, including ensuring that the company 
has implemented adequate systems of internal controls, 
together with appropriate monitoring of compliance 
activities.

Structure the board to add value
Independent directors

The time in office, skills, experience and expertise of each 
director in office as at the date of this report is included in the 
directors’ report.

The company regards an independent director as a director 
who is not a member of management (i.e. a non-executive 
director) and who:

1.

2.

is not a substantial shareholder  of the company or  
an officer of, or otherwise associated directly with, a 
substantial shareholder of the company;

has not within the last three years been employed in 
an executive capacity by the company or another group 
member, or been a director after ceasing to hold any such 
employment;

3.

4.

5.

6.

7.

within the last three years has not been a principal or 
employee of a material professional adviser or a material 
consultant to the company or another  
group member, or an employee materially associated with 
the service provided;

is not a material supplier or customer of the company 
or other group member, or an officer of or otherwise 
associated directly or indirectly with a material supplier or 
customer;

has no material contractual relationship with the company 
or another group member other than as a director of the 
company;

has not served on the board for a period which could, 
or could reasonably be perceived to, materially interfere 
with the director’s ability to act in the best interests of the 
company;

is free from any interest and any business or other 
relationship which could, or could reasonably be perceived 
to, materially interfere with the director’s ability to act in the 
best interests of the company. 

Unless there are specific qualitative factors relevant to 
the relationship, the board is generally of the view that a 
quantitative materiality threshold arises at 10% of the relevant 
amount – considered from both the company’s perspective 
and that of the other party.

The board of Australian Ethical did not comprise a majority 
of independent directors during the reporting period. For two 
months of the reporting period, the board comprised an equal 
number of executive directors and independent directors (three 
out of six directors on the board). For the remaining months 
of the reporting period, the board comprised a majority of 
executive directors.

Pauline Vamos (independent) resigned from the board effective 
31 August 2007.

Anne O’Donnell (executive director) was appointed by the 
board on 29 May 2008.

On 1July 2008 the Board appointed Dr Les Coleman and 
André Morony to the board. Both Dr Coleman and Mr Morony 
are non-executive directors. Mr Morony is an independent 
director. Dr Coleman serves on the Investment Policy 
Committee of United Funds Management Ltd, a wholly owned 
subsidiary of SMF Funds Management Limited, which is a 
substantial shareholder. As Dr Coleman is associated with a 
substantial shareholder (albeit in a limited way), the board does 
not classify Dr Coleman as an independent director.

Caroline Le Couteur has advised the board that she will 
not stand for re-election at the forthcoming Annual General 
Meeting.

It is therefore anticipated that at the conclusion of the 
upcoming Annual General Meeting, the board will consist of 
four non-executive directors (three of whom will be regarded 
as independent) and three executive directors.   

The board’s view is that this composition represents a good 
long term balance between executive and non-executive / 
independent directors, with the right mix of independence, 

AUSTRALIAN ETHICAL INVESTMENT LTD

10

competence and alignment with the Australian Ethical Charter.

The board carries out its responsibilities according to its 
Constitution, regulatory requirements, and an overall mandate, 
including the following:

•

•

•

•

•

•

the board must comprise at least three and not more then 
ten directors;

the board is bound by the Australian Ethical Charter 
that is set out in the Australian Ethical Constitution. The 
Charter sets out 23 ethical principles to be applied to the 
operations and activities of the company;

each director is committed to the Australian Ethical 
Code of Conduct that governs the conduct of 
employees and directors. The code is consistent with 
the recommendations that form part of the Corporate 
Governance Council’s Principles 3 and 10; 

all available information on items to be discussed at a 
board meeting is provided to each director prior to that 
meeting;

the board has adopted a policy for the management of 
conflicts of interest;

with the prior approval of the chair, each director has the 
right to seek independent legal and other professional 
advice at the company’s expense on any aspect of the 
company’s operations or undertakings in order to fulfil their 
duties and responsibilities as directors.

Chair of the board 
The company’s chair was an independent director throughout 
the reporting period.

Nomination committee
During the period the company had no nomination 
committee. The board does not intend to establish such a 
committee because such a move would be inefficient, given 
the company’s size. The functions normally performed by 
a nomination committee will be performed by the board as 
a whole, will be delegated to the chair or will be performed 
by one or more delegated directors. During the reporting 
period, the board delegated responsibility to Justine Hickey 
(independent) and Howard Pender (executive) to undertake a 
search for further directors, which lead to the appointments of 
Dr Coleman and Mr Morony.

Promote ethical and responsible decision 
making
Code of conduct 
The company has a code of conduct which applies to all staff. 
It is available on the company’s website.

Share trading 
The company’s code of conduct covers share trading. During 
the reporting period, the code of conduct required that, as 
a general rule, ‘staff and directors should not buy or sell AEI 
shares between the close of the financial year or half-year and 
the publication of the company’s results’.

ASX Listing Rules, directors must advise the ASX of any 
transactions conducted by them in securities of the company 
which they own or in which they have a relevant interest.

Directors, employees and their associates must not engage in 
insider trading, nor the disclosing of inside information to third 
parties. The company periodically conducts seminars about 
its share trading policy and educates staff about the offence of 
insider trading. 

Safeguard integrity in financial reporting

CEO and CFO sign-off of financial reports 
The company requires the chief executive officer and the 
chief financial officer to state in writing to the board that the 
company’s financial reports present a true and fair view, in 
all material respects, of the company’s financial condition 
and operating results and are in accordance with relevant 
accounting standards.

Audit committee 
Throughout the period, the board had an audit committee 
consisting of three members. Up to 31 August 2007, the 
audit committee consisted of independent directors and the 
company secretary. From 31 August, the audit committee 
consisted of one independent director (Ms Naomi Edwards), 
one external member (Ms Ruth Medd) and the company 
secretary. Ms Medd is chair of the company’s subsidiary, 
Australian Ethical Superannuation Pty Ltd.

The qualifications of those appointed to the audit committee 
are provided in the directors’ report, as are the number 
of meetings of the committee and attendances at those 
meetings.

The audit committee does not consist of only non-executive 
directors (it has one external member (Ms Medd) and the 
company secretary is also a member). Ms Medd chairs the 
committee.

The audit committee provides a forum for effective 
communication between the board and the external auditors. 
The role of the committee is to advise the board on the 
maintenance of an appropriate framework of financial internal 
control and appropriate discharge of ‘trading company’ 
fiduciary obligations for the company and its subsidiary, 
Australian Ethical Superannuation Pty Ltd.

A charter for the audit committee appears on the company’s 
website.

The board is of the view that notwithstanding that the audit 
committee does not comply with all the Corporate Governance 
recommendations on membership, it is nonetheless able to 
perform its functions with independence and diligence.

In particular:

•

•

the committee includes the company secretary who 
is responsible to the chair of the board and the board 
generally on governance matters;

at a number of meetings the committee speaks directly 
to the external auditor in the absence of executive 
management.

In accordance with the Corporations Act 2001 and the 

The audit committee considers the performance and 

11

AUSTRALIAN ETHICAL INVESTMENT LTD

independence of the external auditor over the course of a 
reporting period. In selecting an external auditor the board 
seeks competence, industry experience, integrity and 
independence. In normal circumstances, appointment of the 
external auditor will typically continue for a significant number 
of years. Rotation of external audit engagement partners will 
occur in accordance with the rotation requirements of the 
Corporations Act 2001.  

Make timely and balanced disclosure 
The company has written policies and procedures designed 
to ensure compliance with the ASX Listing Rule disclosure 
requirements. The disclosure policy appears on the company’s 
website. 

Respect the rights of shareholders
The company maintains a comprehensive and informative 
‘shareholder centre’ on its website which provides 
shareholders (and others) with up to date information about 
the corporate activities of the company. The website also 
provides shareholders with guidance on a range of issues 
concerning the management of their shareholdings.

regularly and the criteria and working standards set out in the 
guide are periodically reviewed.

A description of the company’s risk management policy and 
internal compliance and control systems is on the company’s 
website.

The chief executive officer and chief financial officer certify 
to the board that the integrity of the financial statements are 
founded on a sound system of risk management and internal 
compliance and control.

The chief executive officer and risk management officer certify 
to the board that its internal control and risk management 
systems are operating efficiently and effectively throughout the 
group.

Encourage enhanced performance
Board and director evaluation  
The directors undertake an annual self-assessment of their 
collective and individual performance and seek specific 
feedback from the senior management team. An assessment 
was undertaken in the relevant period.

Australian Ethical produces a newsletter, Aim High, for trust 
and superannuation investors, and since listing the company 
has introduced a shareholder newsletter. It has revised its 
annual general meeting arrangements to promote participation 
and dissemination of information and has ensured access to 
the external auditor at these meetings.

Australian Ethical also produces a sustainability report for 
shareholders and other stakeholders on the triple bottom line 
performance of Australian Ethical (available on the company’s 
website). The sustainability report is produced using the Global 
Reporting Initiative guidelines.

A questionnaire concerning board and individual performance 
is completed by each director in respect of themselves and 
for each other director and the results collected by the board 
chair. The board as a whole then considers and discusses 
the results of the questionnaire at a board meeting. The 
board chair also talks to each director individually about their 
performance and generally on the evaluation and comments 
received from their peers. The results of the questionnaire are 
examined from both a qualitative and quantitative perspective. 

Where discussed at a board meeting, results and any action 
plans are documented in board minutes.

The company complies with the corporate governance 
guidelines for notices of meeting.

Recognise and manage risk
The board is responsible for the company’s system of internal 
controls. The board monitors the operational and financial 
aspects of the company’s activities and, through the audit 
committee, the board considers the recommendations and 
advice of external auditors and other external advisers on the 
operational and financial risks that face the company. 

The board monitors that appropriate actions are taken to 
ensure the company has an appropriate internal control 
environment in place to manage the key risks identified. 
Recently the board has delegated to its Compliance and Risk 
Committee the responsibility:

•

•

to oversee and monitor the implementation of the 
company’s risk management systems;

to review on a quarterly basis the company’s risk registers 
and recommend to the board any changes to those risk 
registers. 

The company has established an ‘AEI Guide for Risk 
Management’ and sectional risk registers that document the 
major risks facing the company and the way in which these 
risks are to be managed. The risk registers are updated 

Key executive evaluation 
The performance of executives is evaluated in accordance with 
the company’s annual performance review guidelines. For the 
chief executive officer, the review is conducted by the board 
chair. For other executives, the review is undertaken by the 
chief executive officer.

The process is as follows:

•

•

•

•

•

receive 360° comments from staff (and directors if 
applicable);

review comments once received and incorporate into the 
annual review as considered appropriate. Emphasis is on 
themes or perceptions rather than specific comments;

complete a draft of the annual performance review and 
provide to the executive for discussion;

discuss the annual performance review with the executive 
– cover key responsibilities, overall performance, key 
behaviours, review achievements against previous year’s 
objectives, discuss objectives for the coming year, discuss 
aspirations and areas for improvement;

review competencies and qualifications to ensure 
they remain applicable to the position. If not, a training 
program must be developed to bring the executive to the 
appropriate level; and

AUSTRALIAN ETHICAL INVESTMENT LTD

12

•

investigate what specific training may be suitable and 
available.

In respect of the chief executive officer, the chair presents 
the results of the review to the board, the board has an 
opportunity to provide feedback to the chief executive officer, 
and to consider recommendations from the chair on the chief 
executive officer’s remuneration package. 

Remunerate fairly and responsibly
Remuneration policy 
Australian Ethical’s remuneration policy is designed to accord 
with the principles of the Australian Ethical Charter, as set out 
in the constitution of the company. It is designed to ensure 
Australian Ethical does not

“exploit people through the payment of low wages or 
the provision of poor working conditions”

and to facilitate:

“the development of workers participation in the 
ownership and control of their work organisations and 
places”

During the relevant period Australian Ethical sought to apply 
remuneration policy for all staff in an equitable fashion.

During the reporting period, remuneration for one senior 
manager included an ‘at risk’ component linked to 
performance criteria. The performance criteria required 
the manager to achieve business development objectives 
on: funds under management; engagement with asset 
consultants, ratings agencies and institutional clients; and 
development of marketing strategies / collateral. These 
performance conditions were chosen to align the manager’s 
objectives with those set out in the company’s strategic plan. 
The chief executive officer was responsible for assessing 
whether the performance conditions were met. The chief 
executive officer was able to assess both the quantitative and 
qualitative aspects of the performance criteria.

The company may consider performance based incentive 
arrangements for other staff in the future.

All permanent staff (including the chief executive officer and 
executive directors) received a cash salary and participated in 
the staff bonus and employee share ownership plan. Except 
for the senior manager described above, cash remuneration 
was not subject to set performance hurdles.

All permanent staff are eligible to participate in the staff bonus 
which is determined by the Constitution. Each year the bonus 
is set with reference to the profit of the company. Each full- 
time staff member receives the same amount, part-time staff 
receive a pro-rata amount. The Constitution provides that the 
bonus can be (and often has been) satisfied by the issue of 
shares.

Under the employee share ownership plan a pool of 
options, which would, if exercised, have amounted to 5% 
of the existing ordinary share capital was issued to staff. All 
permanent, non probationary staff as at 30 June of the relevant 
year were eligible to participate in the plan. The exercise price 
of the options was set at 10% in excess of the market price of 

the shares. The number of options received by an individual 
staff member depended on their salary level. The options 
are not exercisable for a period of three years from their date 
of grant. In most circumstances, options will lapse where 
an employee’s employment ceases before the options are 
exercisable. The options confer no voting or dividend rights.

Australian Ethical has a mix of full-time and part-time staff and 
endeavours to provide flexible employment arrangements 
within business needs.

Australian Ethical monitors employee’s salaries against the 
wider market and reviews salary levels annually. The company 
adopts an in-principle guideline of paying individual staff a 
total fixed remuneration based on 80% to 120% range of the 
50th percentile identified in a biennial salary survey, with an 
unweighted average of 95–105% and with appropriate macro 
economic indexation of comparator benchmarks over time.

The guideline would not be implemented in such a way that 
salaries would reduce where there was a market crash in 
relevant salaries.

Remuneration committee 
The board has a remuneration committee. The members of 
the remuneration committee at the end of the reporting period 
were Naomi Edwards and Justine Hickey. The charter for 
the remuneration committee is available on the company’s 
website.  

Details of remuneration 
Details of remuneration paid to directors and executives during 
the reporting period is set out in the directors’ report. The 
reporting distinguishes between the structure of non-executive 
director remuneration and that of executive directors.

Equity-based remuneration 
Equity-based remuneration for executive directors has 
previously been approved by shareholders. The employee 
share ownership plan was approved by shareholders at the 
annual general meeting held in November 2005. 

Recognise the legitimate interests of 
stakeholders
The proper purpose of Australian Ethical is to promote 
ethical/socially responsible investment. By the very nature 
of Australian Ethical, the board is committed to the highest 
standards of conduct and ethical practices in guiding the 
business activities of Australian Ethical and its subsidiary. This 
includes transparency in the way in which it does business 
and clarity of communication to its members and other 
stakeholders. Its code of conduct, as mentioned earlier in this 
report, expects this of each employee and each director. 

The company has developed a corporate governance section 
on its website. The board has directed that detailed and 
comprehensive information on the company’s corporate 
governance arrangements and copies of relevant policies 
and charters are to be placed on that website. It welcomes 
comments and suggestions from stakeholders on any element 
of its corporate governance program.

13

AUSTRALIAN ETHICAL INVESTMENT LTD

Directors’ report

The directors of Australian Ethical Investment Limited, the 
controlling entity, present their report on the company and its 
controlled entity for the financial year ended 30 June 2008.  In 
compliance with the Corporations Act 2001, the directors report 
as follows:

Directors
The name of each person who has been a director during the 
year ended 30 June 2008 and to the date of this report are:

Name

Time in Office

Caroline Le Couteur 17 years

James Thier

Howard Pender

Naomi Edwards

Pauline Vamos

Justine Hickey

Anne O’Donnell

Dr Les Coleman

André Morony

17 years

17 years

3 years

1 years

1 years

< 1 years

< 1 years

< 1 years

Resigned 31 August 2007

Appointed 29 May 2008

Appointed 1 July 2008

Appointed 1 July 2008

Directors have been in office since the start of the financial year to 
the date of this report unless otherwise stated.

Company Secretaries
The name of each person who was a company secretary of the 
company as at the end of the financial year are:

Name

Philip George

Principal activities

The principal activity of the controlling entity during the 
financial year was to manage six public offer ethical investment 
trusts (registered managed investment schemes).  The 
controlling entity’s wholly owned subsidiary, Australian Ethical 
Superannuation Pty Limited, was trustee of the Australian Ethical 
Retail Superannuation Fund during the financial year.   

Other than as described, there were no other significant changes 
in the nature of the controlling entities activities during the year.

Operating results
The consolidated entity (Australian Ethical Investment Limited and 
its wholly owned subsidiary, Australian Ethical Superannuation 
Pty Ltd) has recorded a consolidated net profit after income 
tax expense for the year ending 30 June 2008 of $1,651,790. 
This result is a 9% decrease on the result of $1,819,177 for the 
previous financial year.

Review of operations
The 2008 result reflects the volatility and uncertainly that has been 
experienced in global financial markets following the “sub-prime’ 
crisis in the USA.  Whilst the Australian Ethical trusts had no direct 
exposure to any of these financial instruments the trusts have 
experienced the impact of falling asset prices and depressed 
investor sentiment. 

The company experienced strong growth in funds under 
management during the first half of the financial year with funds 
under management peaking at $645M.  This growth and the 

AUSTRALIAN ETHICAL INVESTMENT LTD

14

revenue generated cushioned the impact of downward market 
movements and a decline in investor confidence which occurred 
in the second half of the financial year.  As at 30 June 2008, 
funds under management totalled $562M (ex. distribution).  
This compares with funds under management of $552M (ex. 
distribution) as at 30 June 2007. The aggregate distribution 
amount paid for the current period was $9M, compared to a 
distribution the previous year of $59M.  

The flatness in funds under management, combined with 
some increased costs and additional expenditure on business 
development resulted in an increase in the costs to income 
ratio - increasing from 76% in 2007 to 80%.  This increase is in 
contrast with the steadily declining trend experienced in the past 
4 financial years.  Return on equity was also impacted falling from 
26.1% to 20.6%

The superannuation business (Australian Ethical Superannuation 
Pty Ltd) again contributed significantly to the group result and 
superannuation continues to be a growth engine of the business.  
The 2007/2008 financial year results include one-off costs 
incurred in transitioning the administration of the superannuation 
fund to a new administration provider. 

As required under the company’s constitution, an amount of 
$200,891 has been provisioned as tithe for this year and will 
be donated to a number of non-profit organisations for useful 
charitable, benevolent or conservation purposes.

Except as described under Principal Activities above, during 
the 2007/2008 financial year the company did not make any 
significant changes to its core funds management operations.

Mr David Ferris resigned as Chief Investment Officer early in 
2008.  Mr James Jordan undertook the role until it was filled in 
August 2008.  Mr Paul Harding-Davis was appointed as Head of 
Distribution in January 2008.  The appointment of Mr Harding-
Davis supports the company’s stated strategy of broadening 
our reach beyond our direct retail customer base.  There were 
no other significant changes in management or organisational 
structure.

The company continues to apply the principles of the Australian 
Ethical Charter in its investment and business activities.

Financial position
The company’s capital structure and policies remain relatively 
simple. The company currently has no debt and capital not 
required for working purposes is held as an investment in Trevor 
Pearcey House and in an investment portfolio comprising triple A 
rated (or equivalent) securities, senior bank debt and corporate 
rated debt.

Maintenance of a certain level of capital is a condition of the 
company’s Australian Financial Services Licence.  The company 
currently meets the $5.0M capital requirement above which no 
extra capital is required as a result of increased funds under 
management.

The company has a comprehensive risk management process 
designed to deal with significant operational risks as identified by 
management and the directors.

Business strategies, future prospects and 
likely developments
A significant portion of investment in the Australian Ethical trusts 

comes from retail clients.  The company’s retail investors have 
traditionally been “sticky” in times of market downturn and 
historically the trusts have not experienced significant outflows 
at these times.   However, Australian Ethical is not immune to 
market volatility and negative investor sentiment.  It is highly 
likely that these factors will impact FUM, revenue and profitability 
during the 2008/2009 financial year.  

Offsetting these impacts are savings which the company expects 
will flow from recent changes to custodian and superannuation 
administration providers.  The company will continue to focus on 
building and servicing its clients and streamlining its processes, 
ensuring scalability and efficiency of operations.  

The company reviews its product offerings annually and this 
analysis forms the basis of decisions regarding product offerings.  
The company believes that the rise in shareholder activism offers 
some exciting opportunities to leverage its expertise and to 
expand its customer base.  The company is currently exploring 
the possibility of bringing to market a product which will take 
advantage of this trend.      

administrator.  AES believes that United has failed to provide 
the contracted services and that it has valid claims for damages 
against United.  United is seeking payment of monies invoiced 
to AES for the service in the reporting period (approximately 
$250,000).  Notwithstanding the dispute, and without any 
prejudice to AES’ claims, AES has recognised as expenses the 
disputed invoices in its 2008 financial statements consistent with 
a conservative accounting approach.  Similarly, a liability for the 
disputed amount will be included on the AES balance sheet.  
The approach of AES is reflected in the consolidated financial 
statements.  AES and United continue to discuss the claims and 
disputed invoices.

No other matters or circumstances have arisen since the end of 
the financial year which significantly affected or may significantly 
affect the operations of Australian Ethical Investment Ltd and 
its controlled entity, the results of those operations or the state 
of affairs of Australian Ethical Investment Ltd in financial years 
subsequent to the financial year ended 30 June 2008, other than 
as outlined in this report.

At this time the company has no plans to make any significant 
changes to its core operations in the coming financial year.

Other information relating to business strategies and likely 
developments has not been disclosed because it may cause 
unreasonable prejudice to those activities.

Directors’ indemnification 
The constitution of the controlling entity provides a general 
indemnity for officers of the company against liabilities incurred 
in that capacity, including costs and expenses in successfully 
defending legal proceedings. 

Events subsequent to balance date
Dr Les Coleman and Mr André Morony were appointed to the 
Board effective 1 July 2008.

Mr Martin Halloran has been appointed as the company’s Chief 
Investment Officer.  He will take up his role in late August 2008.

The directors have declared that a final dividend of $1.20 per 
ordinary share (fully franked) be paid to shareholders.  This is in 
addition to the interim dividend of 45 cents per ordinary share 
paid in March 2008. The total dividend for the year will be $1.65 
per share.

The Board notes that the declaration and quantum of any future 
dividend will depend on the company’s ongoing performance 
and capital requirements.  In particular, no inference should be 
drawn about the quantum of any future dividend based on the 
quantum of 2007-08 dividend, or on the dividend payout ratio for 
the 2007-08 year.

On 27 August 2008 the board authorised the grant of 49,200 
options to staff.  The terms and conditions attached to the 
options are as set under the employee share ownership scheme 
approved at the 2005 annual general meeting, except that 
the board has decided to include two additional terms.  The 
additional terms relate to vesting due to a change of control 
and a first right of refusal to buy-back shares issued upon the 
exercise of the options where the company has an employee 
share buy-back in place.  As these terms were not included in the 
scheme approved at the 2005 annual general meeting, the issue 
of these options will count towards the 15% limit imposed under 
Listing Rule 7.1 of the Australian Securities Exchange.  The board 
intends to seek member approval under Listing Rule 7.4 for the 
grant of these options at the 2008 annual general meeting.  If 
approval is obtained, the issue of the options will no longer count 
towards the 15% limit. 

Australian Ethical Superannuation Pty Ltd (‘AES’) is in dispute 
with United Funds Management Limited (United), its former fund 

During the financial year, the company paid a premium in respect 
of a contract insuring the directors of the company (as named 
above), the company secretary, and all officers of the company 
and of any related body corporate against a liability incurred as 
such a director, secretary or officer to the extent permitted by 
the Corporations Act 2001.  The contract of insurance prohibits 
disclosure of the nature of the liability and the amount of the 
premium.

During the year the company entered into deeds of indemnity, 
insurance and access with directors and officers which provides a 
general indemnity against liabilities incurred in that capacity to the 
extent permitted by the Corporations Act 2001.

The deed obligates the company to use its reasonable 
endeavours to obtain and maintain insurance for the benefit of 
a director or officer of the company and any subsidiary, to the 
extent that such coverage is available in the market on terms 
which the company reasonably considers financially prudent and 
on terms consistent with the practice of comparable companies 
operating in similar markets.

The deed also provides that the company will pay on behalf of 
the director or officer or lend to the director or officer the amount 
necessary to pay the reasonable legal costs incurred by the 
director or officer in defending an action for a liability incurred as 
a director or officer of the company or a subsidiary on such terms 
as the company reasonably determines.  The director or officer 
must repay to the company such legal costs if they become 
legal costs for which the company was not permitted by law to 
indemnify the director or officer.  The company need not pay 
or provide a loan to the director or officer to the extent that the 
director or officer is actually reimbursed for legal costs as they fall 
due under an insurance policy or otherwise.

The company has not otherwise, during or since the financial 
year, indemnified or agreed to indemnify a director, officer or 
auditor of the company or of any related body corporate against 
a liability incurred as such director, officer or auditor.

15

AUSTRALIAN ETHICAL INVESTMENT LTD

Directors’ particulars

Qualifications, experience and special 
responsibilities 

Caroline Le Couteur  
B.Ec., B.Bus., Grad.Dip.(Env. & Dev. Man.), FAICD 
Executive Director 

Howard Pender  
B.A.(Hons) 
Executive Director  

Caroline has been committed to environmental conservation 
and social justice throughout her life.  She is a member of the 
national council of the Australian Conservation Foundation and 
has been a candidate for the Greens in both ACT and Federal 
elections. Caroline has held senior government positions in 
information management.  She is the company’s information 
technology manager and, until September 2002, was also the 
funds administrator. 

Howard received a university medal in economics from 
the Australian National University. He worked at the 
Commonwealth Treasury and then as Senior Economist 
at Bankers Trust in Sydney.  From 1992 to 1997, he was a 
Visiting Fellow in the Centre for International and Public Law at 
the Australian National University. Howard has been a director 
of two other ASX listed companies. Howard is a director of 
Australian Ethical Superannuation Pty Ltd and is a member of 
the finance and investment committees. 

James Thier  
B.Sc.(Hons) 
Executive Director 

Naomi Edwards  
BSc (Hons) FIA FIAA FNZSA 
Non-Executive Chair 

James has had academic experience as a researcher and has 
taught in the faculties of economics, environmental studies 
and geography at the University of NSW.  He has held senior 
positions in local government and within peak bodies of the 
credit union movement.  James is the company’s business 
development manager.  James is also a director of Australian 
Ethical Superannuation Pty Ltd and is on the investment 
and compliance committees.  In 2007 James, undertook 
a Churchill Fellowship to examine the mechanisms of 
shareholder advocacy.

Naomi is a Fellow of the Institute of Actuaries and has a 
high level of financial experience with practical conservation 
and environmental links.  Naomi was Partner in charge of 
the financial services industry group within Deloitte Touche 
Tohmatsu in Sydney and leader of the financial services 
practice for Trowbridge Consulting for many years.  She has 
undertaken pro bono work providing actuarial assistance 
for environmental and social organisations.  Naomi chairs 
the remuneration committee and is a member of the audit, 
investment and compliance and risk committees. Naomi is 
also a director of Australian Ethical Superannuation Pty Ltd. 

AUSTRALIAN ETHICAL INVESTMENT LTD

16

 
 
 
 
 
 
 
 
 
 
Justine Hickey  
BCom GAICD SAFin ASIP(UK) 
Non-Executive Director

Dr Les Coleman  
B.Eng.(Hons), B.Sc.(Hons), M.Ec., PhD 
Non-Executive Director 

Justine has over 15 years experience in investment and 
funds management, as an equities portfolio manager and in 
senior management. She was Head of Equities at Suncorp 
Investment Management in Brisbane until 2004 and previously 
a Portfolio Manager at Flemings Investment Management 
(now JP Morgan) in the UK.  Justine is a director of Hyperion 
Flagship Investments Ltd and chairs the Youth Enterprise Trust 
Foundation - which supports disadvantaged youth. She also 
is a member of the investment committees of Dalton Nicol 
Reid and the University of Melbourne. Justine was recently 
appointed a director of the Rio Tinto Staff Fund Pty Ltd .  
Justine chairs the investment committee and is a member of 
the finance and remuneration committees. 

Les has been a trustee of two superannuation funds, a 
director of ten companies involved in finance, retail and 
distribution and has over 20 years experience in senior 
management positions.  Since 2004, Les has been a Senior 
Lecturer at the Finance Department of the University of 
Melbourne and has published many articles and papers, 
particularly in the area of risk management. For four years Les 
was a weekly columnist with The Australian newspaper. 

Anne O’Donnell  
BA MBA FAICD 
Managing Director 

André Morony  
B.Ec.(Hons), M.Ec. 
Non-Executive Director

Prior to joining Australian Ethical, Anne held a senior 
management position with the ANZ Bank and has extensive 
knowledge of the finance industry.  Whilst at ANZ, Anne 
was a staff elected director of the ANZ Staff Superannuation 
Fund, which managed $1B on behalf of 24,000 members.  
Anne is the chair of the finance committee, and attends 
meetings of the company’s investment, compliance and risk, 
and remuneration committees. She is also a director of the 
Community CPS Australia Credit Union. 

André started his 30 years in the finance sector at the 
Commonwealth Treasury, representing Australia at the 
Organisation for Economic Cooperation and Development 
before taking various roles at Bankers Trust (BT) including as 
Chief Economist and Chief Investment Officer.  From 2001-
2006, André was Chief Investment Officer at ARIA, and he 
currently sits on the boards of ABN AMRO Investments 
Australia, Challenger LBC Terminals Jersey Limited and Steam 
Packet Group. He is also on the Catholic Superannuation 
Fund investment committee.

17

AUSTRALIAN ETHICAL INVESTMENT LTD

 
 
 
 
 
 
 
 
 
 
Directors meetings

The number of directors’ meetings (including meetings of committees of directors of which not all directors are members) and 
number of meetings attended by each of the directors of the controlling entity during the financial year are:

Board meetings

Audit committee

Finance committee

Investment 
committee

Remuneration 
committee

Compliance 
committee

No. 
attended

No. 
eligible 
to 
attend

No. 
eligible 
to 
attend

No. 
attended

No. 
eligible 
to 
attend

No. 
attended

No. 
attended

No. 
eligible 
to 
attend

No. 
eligible 
to 
attend

No. 
attended

No. 
eligible 
to 
attend

No. 
attended

Caroline Le Couteur

James Thier

Howard Pender

Naomi Edwards

Pauline Vamos

Justine Hickey

Anne O’Donnell

7

7

7

7

1

7

2

7

7

7

7

1

7

2

-

-

-

3

1

-

-

-

-

-

3

1

-

-

--

-

9

-

1

9

1

-

-

9

-

1

8

1

-

4

4

4

-

4

-

-

4

4

4

-

4

-

-

-

-

2

-

2

-

-

-

-

2

-

2

-

-

4

-

3

1

-

-

-

4

-

3

1

-

-

Directorships held in other listed entities in the last three years

Name

Pauline Vamos

Justine Hickey

André Morony

Entity

Plan B Group Holdings Limited

Hyperion Flagship Investments Limited

Macquarie Private Capital Group Limited

Directors’ relevant interests in securities of the company

Parent Entity Directors

Fully paid ordinary shares  
numbers

Share option  
numbers

Caroline Le Couteur

James Thier

Howard Pender

Justine Hickey

Anne O’Donnell

49,436

49,739

49,712

700

8,982

5,944

4,749

3,913

-

8,940

Directors’ holdings in registered schemes made available by the company
Caroline Le Couteur holds 918.6569 units in the Australian Ethical Balanced Trust.

Anne O’Donnell holds 4061.8233 units in the Australian Ethical Large Companies Share Trust.

Issue of shares and options to executive directors – ASX Listing Rule 10.14
The number of shares and options issued to executive directors under the employee share ownership plan is detailed in this 
Report.  Shareholder approval for the issue of shares and options to executive directors was obtained under ASX listing rule 
10.14 at the Annual General Meeting held in November 2006.

Remuneration report
The information which follows through to the end of the section titled Employment contracts of directors and senior 
executives is subject to audit by the external auditor.

AUSTRALIAN ETHICAL INVESTMENT LTD

18

 
Board meetings

Audit committee

Finance committee

Investment 

committee

Remuneration 

committee

Compliance 

committee

No. 

No. 

No. 

No. 

No. 

No. 

No. 

No. 

No. 

No. 

No. 

No. 

eligible 

attended

eligible 

attended

eligible 

attended

eligible 

attended

eligible 

attended

eligible 

attended

to 

attend

to 

attend

to 

attend

to 

attend

to 

attend

to 

attend

Caroline Le Couteur

James Thier

Howard Pender

Naomi Edwards

Pauline Vamos

Justine Hickey

Anne O’Donnell

7

7

7

7

1

7

2

7

7

7

7

1

7

2

-

-

-

3

1

-

-

-

-

-

3

1

-

-

--

-

9

-

1

9

1

-

-

9

-

1

8

1

-

4

4

4

-

4

-

-

4

4

4

-

4

-

-

-

-

2

-

2

-

-

-

-

2

-

2

-

-

4

-

3

1

-

-

-

4

-

3

1

-

-

Names and positions of key management personnel (directors and named executives) at 
any time during the financial year 
Parent entity directors

Name

Position

Share option  
numbers

Caroline Le Couteur

Director, executive

James Thier

Director, executive

Howard Pender

Director, executive

Naomi Edwards

Chairperson, non-executive

Pauline Vamos

Justine Hickey

Chairperson, non-executive

Resigned 31 August 2007

Director, non-executive

Anne O’Donnell

Managing Director, executive

Appointed 29 May 2008

Les Coleman

André Morony
Executives

Name

David Ferris

Philip George

Ruth Medd

Gary Leckie

Director, non-executive

Appointed 1 July 2008

Director, non-executive

Appointed 1 July 2008

Position

Investment manager  

Resigned 27 March 2008

Company secretary / legal counsel

Director of wholly-owned entity

Chief financial officer

Paul Harding Davis

Head of Distribution

Appointed 14 January 2008

Tim Xirakis

Finance Investment Manager

The Corporations Act 2001 requires disclosure of compensation of key management personnel.  Key management personnel is 
defined as persons having authority and responsibility for planning, directing and controlling the activities of the entity, directly or 
indirectly, including any director (whether executive or otherwise) of that entity.

The Corporations Act 2001 also requires disclosure of the remuneration of:

1. 

2. 

each of the 5 named company executives who receive the highest remuneration for that year; and

if consolidated financial statements are required—each of the 5 named relevant group executives who receive the  
highest remuneration for that year.

With the exception of Ruth Medd, the above named directors and executives are key management personnel of the company.  
Ruth Medd is a group executive.  

Remuneration policy 
Directors
The aggregate amount of remuneration payable to directors for the performance of their duties as directors is set by the 
company in general meeting from time to time.  In proposing any motions on director remuneration to a general meeting, the 
board has regard to market rates for directorships in similar companies operating in similar industries.  It also has regard to 
recommendations from its Remuneration Committee.  Within the approved aggregate amount, fees paid to individual directors 
for services as a director are determined by the Board.  Currently, the chair receives a higher amount, with other directors 
receiving an equal amount.

Under the constitution, directors are also entitled to be paid reasonable expenses, remuneration for extra services, retirement 
benefits and superannuation contributions.  In particular, directors are paid for serving on board committees.

There are currently no arrangements to pay any director a retirement benefit. 

Secretaries, senior managers, executive directors and group executives
During the reporting period, the company’s remuneration policy was to treat all staff (including secretaries, senior mangers, 

19

AUSTRALIAN ETHICAL INVESTMENT LTD

 
 
 
 
executive directors and group executives) in an equitable 
fashion.  During the reporting period, remuneration for one 
senior manager included an ‘at risk’ component linked to 
performance criteria.  All permanent staff (including secretaries, 
senior mangers, executive directors) received a cash salary and 
participated in a staff bonus and employee share ownership 
scheme.  The arrangements did not apply to non executive 
directors.

For the one senior manager with an at risk component, 
the performance conditions required the manager to 
achieve business development objectives on: funds under 
management; engagement with asset consultants, ratings 
agencies and institutional clients; and development of marketing 
strategies / collateral.  These performance conditions were 
chosen to align the manager’s objectives with those set out 
in the company’s strategic plan.  The managing director was 
responsible for assessing whether the performance conditions 
were met.  The managing director was able to assess both the 
quantitative and qualitative aspects of the performance criteria.  

The company’s general remuneration policy also accords with 
the Australian Ethical Charter, as set out in the constitution of 
the company.  It is designed to ensure the company does not 

“exploit people through the payment of low wages or 
the provision of poor working conditions”

and to facilitate: 

“the development of workers participation in the ownership 
and control of their work organisations and places.” 

The company reviews individual remuneration annually.  As 
part of this process it benchmarks its remuneration levels 
and its policies on employee benefits and work / life balance.  
Individual staff remuneration is considered with reference to the 
benchmarks and in accordance with guidelines approved by 
the board.  The board aims to remunerate responsibly and fairly, 
with reference to the market.

All permanent staff are eligible to participate in an annual staff 
bonus.  Under the company’s constitution, before the directors 
recommend any dividend to be paid out of profits of any one 
year, they must pay a bonus  to current employees which is set 
by reference to the profit of the company for that year.  Each 
full time staff member receives the same bonus amount and 
part-time staff (or those not employed full-time through the full 
year) receive a pro-rata amount.  The company’s constitution 
provides that the bonus can be (and often has been) satisfied 
by the issue of shares, under the employee share ownership 
scheme.

Also, under an employee share ownership scheme which 
operated during the reporting period, a pool of options which 
would, if exercised, amount to 5% of the company’s existing 
ordinary share capital were issued to staff.  All permanent, non-
probationary staff were eligible to participate in the plan.  The 
options  were issued for nil consideration and the price at which 
the options are exercisable was set at 10% in excess of the 
market price of the shares as at the date of grant.  The number 
of options received by an individual staff member depended on 
their remuneration.  Options are not exercisable for a period of 
three years from their date of grant.  At the end of the three year 
period, options must be exercised within a three month exercise 

AUSTRALIAN ETHICAL INVESTMENT LTD

20

window or they lapse.  During the three month exercise 
window, options can also be sold once, with the transferee 
then needing to exercise during the three month window, or the 
options lapse.  In most circumstances, options will also lapse 
where an employee’s employment ceases before the options 
are exercisable.  The options confer no voting or dividend rights.

Performance-based remuneration and 
company performance
The payment of the staff bonus is set by reference to the profit 
of the company for a relevant year.  Higher company profits 
in a year correspondingly increase the aggregate amount that 
directors could determine be paid to current employees as a 
bonus. 

Details of options issued under the employee share ownership 
plan are set out under remuneration policy above.  Options are 
performance based in two ways.  Firstly, in most cases, staff 
must remain an employee for three years from the date of grant 
of the options to be entitled to exercise them.  Option value can 
only be realised if an employee contributes a significant further 
period of service to the company.  Secondly, option value can 
only be realised if the market value of the underlying shares 
increase by 10% between the period of grant and the period 
when the options can be exercised.    

The remuneration policy discussed above has broadly been 
in place for the current and the previous five financial years, 
except that an individual performance based element was 
introduced for one senior manager during the reporting period.

Dividends through the same period have increased from a 
dividend out of the profits of the 2001/2002 year of 20 cents 
per share to a dividend out of the 2006/2007 year profits of 192 
cents per share.  The dividend declared by the directors for the 
2007/2008 year is 165 cents per share. 

The company’s shares have traded on the ASX since 17 
December 2002.  Movements in closing share price at the 
beginning and end of financial years since listing are as follows: 

Date

17 December 2002

30 June 2003

30 June 2004

30 June 2005

30 June 2006

30 June 2007

30 June 2008

Closing Daily Price  

$12.50

$11.30

$13.00

$17.20

$28.50

$48.00

$34.00

The company’s earnings over the last five years are as follows:

Year

2003/2004

Adoption of AIFRS

2004/2005

2005/2006

2006/2007

2007/2008

Earnings

$459,761

$784,419

$1,362,612

$1,819,177

$1,651,790

Remuneration details for the year ended 30 June 2008 
Parent entity directors’ remuneration

S hort-term  em ployee benefits

2008

C as h  S alary

S T I

O th er

P os t E m -

ploym ent
benefits

S u p er

O ther

T erm ination

S hare-bas ed P aym ent

S 300A (1)(e) 

S 300A (1)(e)(vi) 

Long-term
B enefits

B enefits

P ro p o rtio n  o f 

V alu e o f o p tio n s  

rem u n eratio n  

as  p ro p o rtio n  o f 

B o n u s

O p tio n s

T o tal

p erfo rm an c e 

rem u n eratio n  %

an d  F ees
$

c as h  b o n u s

$

$

$

C aroline Le C outeur

Jam es T hier
H oward Pender

N aom i Edwards

Pauline Vam os
Justine H ickey

Anne O 'D onnell
T otal

G eorge Pooley
C aroline Le C outeur

Jam es T hier
H oward Pender

N aom i Edwards

Pauline Vam os
Justine H ickey *

T otal

2007

142,503

157,324
159,245

58,416

9,249
26,651

213,858
767,246

19,749
142,449

143,516
138,954

39,300

52,223
17,314

553,505

6,000

4,800
3,900

6,000
20,700

5,500

3,575

9,075

-

-
-

-

-

-

-
-

-

-
-

-

-
-

-
-

-
-

-
-

-

-
-

-

13,230

13,566
13,420

5,257

750
2,408

18,760
67,391

-

12,017

11,804
11,633

3,150

4,205
741

43,550

$

3,544

3,191
3,171

6,250
16,156

3,431

2,016
2,089

7,536

-

-
-

-

-

-
-

$

 S h ares

$

-

-
-

-

-
-

-
-

-
-

-

-

-
-

3,759

-

-
-

-

-
-

-

-
-

-
-

-

-
-

-

$

15,044

12,743
12,709

25,410
65,906

7,907

5,928
6,082

-

-
-

-

-

-
-

$

180,321

191,624
192,445

63,673

9,999
29,059

270,278
937,399

19,749
171,304

167,023
162,333

42,450

56,428
18,055

related  %

-

-
-

-

-
-

-

-
-

-
-

-

-
-

8.3

6.6
6.6

9.4

4.6

3.5
3.7

-

-
-

-

-

-
-

3,759

19,917

637,342

Named executives remuneration (including other key management personnel) 

O ther

T erm ination

S hare-bas ed P aym ent

S 300A (1)(e) 

S 300A (1)(e)(vi) 

S hort-term  em ployee benefits

C as h  S alary
an d  F ees

S T I

O th er

c as h  b o n u s

P os t E m -

ploym ent
benefits

S u p er

Long-term
B enefits

B enefits

$

$

$

$

$

$

2008

2007

D avid F erris

Philip G eorge

R uth M edd
G ary Leckie

T im  Xirakis
Paul H arding D avis

T otal

Anne O 'D onnell

D avid F erris
M ark Batem an

Philip G eorge

R uth M edd
G ary Leckie

T otal

165,939

177,416

35,488
152,178

160,430
91,566

783,017

190,804

158,681
140,481

162,880

28,500
118,374

799,720

-

-

-

-

6,000

6,000

6,000
16,000

34,000

5,500

5,500

5,500

5,500

22,000

-

-

-
-

-

-

-
-

-

-
-

-

10,938

15,365

3,194
13,594

15,381
8,950

67,422

17,259

13,843
7,076

14,088

1,800
10,257

64,323

-

-

-

-

3,643

4,572

3,515
1,749

13,479

5,659

5,046

3,503

2,849

17,057

P ro p o rtio n  o f 

V alu e o f o p tio n s  

rem u n eratio n  

as  p ro p o rtio n  o f 

O p tio n s

T o tal

p erfo rm an c e 

rem u n eratio n  %

$

$

related  %

20,378

20,740

14,843

14,918

70,879

12,043

9,307
7,916

9,754

5,974

-

-

-

203,140

223,164

38,682
191,187

200,244
118,265

974,682

231,265

192,167
160,973

195,725

30,300
142,954

-

-

-
-

-
13.5

-

-
-

-

-
-

10.0

9.3

7.8

7.5

-

-

5.2

4.8
4.9

5.0

-

4.2

B o n u s
 S h ares

$

5,885

-

-
-

-
-

-

-

-

-
-

5,885

5,290

5,290

44,994

953,384

-

-

-
-

-
-

-

-

-
-

-

-
-

-

Cash bonus compensation benefits
Details of cash bonuses paid to key management personal are included in the remuneration tables set out above.  The 
annual staff cash bonuses were paid on 24 September 2007.  The cash bonus for Mr Harding-Davis was paid on 13 June 
2008.  The nature of the cash bonuses and the criteria used to determine the amount of the payments are detailed in the 
remuneration policy and in the discussion on performance based remuneration and company performance.

Analysis of bonuses included in remuneration
The vesting profile of short term-incentive bonuses are detailed below.  No amounts vest in future financial years in respect of 
the short term-incentive bonuses for the 2008 year.

21

AUSTRALIAN ETHICAL INVESTMENT LTD

       
 
               
 
                  
 
                  
 
            
 
                      
 
              
 
        
 
 
                     
 
       
 
               
 
                  
 
                  
 
            
 
                      
 
              
 
        
 
 
                     
 
       
 
               
 
                  
 
                  
 
            
 
                      
 
              
 
        
 
 
                     
 
         
 
                      
 
                  
 
                    
 
                   
 
                      
 
              
 
                  
 
    
                     
 
           
 
                      
 
                  
 
                       
 
                   
 
                      
 
              
 
                  
 
    
 
                     
 
         
 
                      
 
                  
 
                    
 
                   
 
                      
 
              
 
                  
 
    
                     
 
       
 
               
 
                  
 
                  
 
            
 
              
 
        
 
 
                     
 
       
 
             
 
                  
 
                  
 
          
 
                      
 
              
 
        
 
 
         
 
                      
 
                  
 
                            
 
                   
 
                      
 
              
 
                  
 
    
                     
 
       
 
               
 
                  
 
                  
 
            
 
                      
 
              
 
          
 
 
                     
 
       
 
                      
 
                  
 
                  
 
            
 
                      
 
       
 
          
 
 
                     
 
       
 
               
 
                  
 
                  
 
            
 
                      
 
              
 
          
 
 
                     
 
         
 
                      
 
                  
 
                    
 
                   
 
                      
 
              
 
                  
 
    
                     
 
         
 
                      
 
                  
 
                    
 
                   
 
                      
 
              
 
                  
 
    
                     
 
         
 
                      
 
                  
 
                       
 
                   
 
                      
 
              
 
                  
 
    
                     
 
       
 
               
 
                  
 
                  
 
            
 
                      
 
       
 
        
 
 
 
       
 
                      
 
                  
 
                  
 
                   
 
                      
 
       
 
        
 
 
                     
 
       
 
               
 
                  
 
                  
 
            
 
                      
 
              
 
        
 
 
                     
 
         
 
                      
 
                  
 
                    
 
                   
 
                      
 
              
 
                  
 
    
                     
 
       
 
               
 
                  
 
                  
 
            
 
                      
 
              
 
        
 
 
                     
 
       
 
               
 
                  
 
            
 
                      
 
              
 
        
 
 
                     
 
         
 
             
 
                    
 
            
 
                      
 
              
 
                  
 
 
       
 
             
 
                  
 
                  
 
          
 
                      
 
       
 
        
 
 
       
 
               
 
                  
 
                  
 
            
 
                      
 
              
 
        
 
 
                     
 
       
 
                      
 
                  
 
                  
 
            
 
                      
 
       
 
          
 
 
                     
 
       
 
               
 
                  
 
                    
 
                   
 
                      
 
              
 
          
 
 
                     
 
       
 
               
 
                  
 
                  
 
            
 
                      
 
              
 
          
 
 
                     
 
         
 
                      
 
                  
 
                    
 
                   
 
                      
 
              
 
                  
 
    
                     
 
       
 
               
 
                  
 
                  
 
            
 
                      
 
              
 
          
 
 
                     
 
       
 
             
 
                  
 
                  
 
          
 
                      
 
       
 
        
 
 
 
S hort term  incentive bonus

C as h bonus  
(1)

P erform ance 
bonus  ($)

%  ves ted in 
year

%  forfeited in 
year  (2)

P arent E ntity Directors

Caroline Le Couteur
James Thier
Howard Pender
Anne O'Donnell

Nam ed executives  (including other key m anagem ent pers onnel)

Philip George
Gary Leckie
Tim Xirakis
Paul Harding Davis

6000
4800
3900
6000

6000
6000
6000
-

-
-
-
-

-
-
-
16000

100%
100%
100%
100%

100%
100%
100%
69%

-
-
-
-

-
-
-
31%

(1)  Details of cash and performance bonus have been provided in the director's report under remuneration policy
(2)  The amounts forfeited are due to the performance or service criteria not being met in relation to the current 
     financial year

Equity based remuneration
Equity based remuneration consists of grants of options under the company’s employee share ownership plan.  Details of the 
employee share ownership plan (including the service and performance criteria) are provided in the section on remuneration 
policy above and in Note 24 of the attached financial report. 

Options over ordinary shares granted as compensation during reporting period

P arent E ntity Direc tors

Caroline Le Couteur
James Thier
Howard Pender
Naomi Edwards
Pauline Vamos
Justine Hickey
Anne O'Donnell

Number of 
options  
ves ted 
during 2008

Number of 
options  
granted during 
2008  (1)

2,513
2,058
861
-
-
-
2,865
8,297

1,791
1,517
1,513
-
-
-
3,025
7,846

G rant date

24/09/2007
24/09/2007
24/09/2007

24/09/2007

Named exec utives  (inc luding other key management pers onnel)

David Ferris
Philip George
Ruth Medd
Gary Leckie
Tim Xirakis
Paul Harding Davis

2,551
-
-
1,275
-
-
3,826

2,426
2,469
-
1,767
1,776
-
8,438

24/09/2007
24/09/2007
-
24/09/2007
24/09/2007
-

Fair value per 
option at grant 
date  (2) ($)

E xerc is e 
pric e per 
option ($)

Firs t exerc is e 
/expiry date

Las t 
exerc is e 
/expiry 
date

8.40
8.40
8.40
-
-
-
8.40

8.40
8.40
-
8.40
8.40
-

57.57
57.57
57.57
-
-
-
57.57

57.57
57.57
-
57.57
57.57
-

24/09/2010 23/12/2010
24/09/2010 23/12/2010
24/09/2010 23/12/2010
-
-
-
24/09/2010 23/12/2010

-
-
-

24/09/2010 23/12/2010
24/09/2010 23/12/2010
-
24/09/2010 23/12/2010
24/09/2010 23/12/2010
-

-

-

(1) Each option above is granted by Australian Ethical Investment Limited (AEI) and is for one ordinary share in AEI.
(2) Options were granted as part of remuneration and the recipient did not otherwise pay for the grant of the options.

Exercise of options during the reporting period 
During the reporting period the following shares were issued on the exercise of options previously granted as compensation.  
There are no amounts unpaid on the shares.

AUSTRALIAN ETHICAL INVESTMENT LTD

22

           
 
               
 
           
 
               
 
              
 
               
 
                   
 
                      
 
                      
 
              
 
                   
 
                      
 
                      
 
              
 
                   
 
                      
 
                      
 
              
 
           
 
               
 
           
 
               
 
           
 
               
 
                   
 
               
 
                   
 
                      
 
                  
 
                      
 
              
 
           
 
               
 
                   
 
               
 
                   
 
                      
 
                  
 
                      
 
              
 
           
 
               
 
P arent E ntity Directors

Num ber of s hares

Caroline Le Couteur
James Thier
Howard Pender
Anne O'Donnell

Nam ed executives  (including other key m anagem ent pers onnel)

David Ferris
Gary Leckie

2513
2058
861
2865

2551
1275

A m ount paid $ 
/s hare

16.28
16.28
16.28
16.28

16.28
16.28

Analysis of options over ordinary shares granted as compensation
Details of vesting profiles of options granted as compensation are detailed below:

P arent E ntity Directors

O ptions  granted

%  ves ted in year

%  forfeited in 
year

Caroline Le Couteur

James Thier

Howard Pender

Anne O'Donnell

O ption 
S eries
AEFAI
AEFAQ
AEFAS
AEFAT
AEFAI
AEFAQ
AEFAS
AEFAT
AEFAI
AEFAQ
AEFAS
AEFAT
AEFAI
AEFAQ
AEFAS
AEFAT

Num ber
2513
2243
1910
1791
2058
1800
1432
1517
861
931
1469
1513
2865
3006
2909
3025

Nam ed executives  (including other key m anagem ent pers onnel)

David Ferris

Philip George

Gary Leckie

Tim Xirakis

AEFAI
AEFAQ
AEFAS
AEFAT
AEFAQ
AEFAS
AEFAT
AEFAI
AEFAQ
AEFAS
AEFAT
AEFAS
AEFAT

2551
2611
2248
2426
1550
2356
2469
1275
1387
1443
1767
1387
1776

Date
23/09/2004
21/09/2005
22/09/2006
24/09/2007
23/09/2004
21/09/2005
22/09/2006
24/09/2007
23/09/2004
21/09/2005
22/09/2006
24/09/2007
23/09/2004
21/09/2005
22/09/2006
24/09/2007

23/09/2004
21/09/2005
22/09/2006
24/09/2007
21/09/2005
22/09/2006
24/09/2007
23/09/2004
21/09/2005
22/09/2006
24/09/2007
22/09/2006
24/09/2007

F inancial years  
in w hich grant 
ves ts
23/09/2007
21/09/2008
22/09/2009
24/09/2010
23/09/2007
21/09/2008
22/09/2009
24/09/2010
23/09/2007
21/09/2008
22/09/2009
24/09/2010
23/09/2007
21/09/2008
22/09/2009
24/09/2010

-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-

-
100%
100%
100%
-
-
-
-
-
-
-
-
-

23/09/2007
21/09/2008
22/09/2009
24/09/2010
21/09/2008
22/09/2009
24/09/2010
23/09/2007
21/09/2008
22/09/2009
24/09/2010
22/09/2009
24/09/2010

100%
-
-
-
100%
-
-
-
100%
-
-
-
100%
-
-
-

100%
-
-
-
-
-
-
100%
-
-
-
-
-

Modification of terms of options
Terms of options issued under the employee share ownership plan were not altered or modified during the reporting period.

Analysis of movements in options
The movement in options during the reporting period (by value) is set out below:

23

AUSTRALIAN ETHICAL INVESTMENT LTD

  
                   
 
                            
 
                   
 
                            
 
                   
 
                            
 
                   
 
                   
 
                            
 
                   
 
                            
 
                   
 
                            
 
                   
 
                   
 
                            
 
                   
 
                            
 
                   
 
                            
 
                   
 
                   
 
                            
 
                   
 
                            
 
                   
 
                            
 
                   
 
                   
 
                            
 
                            
 
                            
 
                            
 
                   
 
                            
 
                   
 
                            
 
                   
 
                   
 
                            
 
                   
 
                            
 
                   
 
                            
 
                   
 
                            
 
                   
 
                            
 
                   
 
 
G ranted
as  part of
R emuner-
ation  (1)
$

V alue of
Options  ex-
erc is ed in
Fin Y ear 

(2)

$

V alue of
Options
Laps ed in
Fin Y ear 

(3)

$

P arent E ntity Direc tors

Caroline Le Couteur
James Thier
Howard Pender
Naomi Edwards
Pauline Vamos
Justine Hickey
Anne O'Donnell

15,044
12,743
12,709
-
-
-
25,410
65,906

Named exec utives  (inc luding other key management pers onnel)

David Ferris
Philip George
Ruth Medd
Gary Leckie
Tim Xirakis
Paul Harding Davis

20,378
20,740
-
14,843
14,918
-
70,879

94,790
77,628
30,755
-
-
-
108,068
311,241

91,122
-
-
45,543
-
-
136,665

-
-
-
-
-
-
-
-

47,588
-
-
-
-
-
47,588

(1) Values are based on a valuation performed on the options at grant date using the Black-Scholes model. None of the value
    of the options granted was paid to the key management personnel in the financial year.  Key management personnel may
    realise value from this option grant in the 2010/11 year when the options are exercisable.
(2) Values are based on the number of options excercised by Directors/Executives multiplied by the difference 
     between the share price at exercise date and the exercise price.Under the terms of the share based payment arrangement 
     exercise date and therefore share price can vary between option holders.
(3) David Ferris forfeited 100% of options granted, upon leaving the employment of Australian Ethical Investment Ltd.
    The amounts listed in this column do not represent remuneration paid to Director/Executives

Hedging policy
On 27 August 2008, the board introduced a policy whereby directors and executives participating in the company’s equity-
based plans are prohibited from entering into any transaction which would have the effect of hedging or otherwise transferring 
to any other person the risk of any fluctuation in the value of any unvested entitlement in the company’s securities.

Explanation of relative proportions of elements of remuneration that are related to 
performance 
Non-executive directors receive their total remuneration as cash or superannuation contributions.  No element is dependent 
on performance.

Except as discussed below, the remuneration of executive directors, secretaries and senior managers is not subject to 
individual performance conditions.  People holding these positions are entitled to participate in the staff bonus and employee 
share ownership scheme described above.  Options granted during the financial year, when valued using a Black Scholes 
valuation methodology as at grant date, make up a very small proportion of the overall remuneration of people holding these 
positions.

For one senior manager, the performance related component of their remuneration accounted for 13.5% of their total 
remuneration.  

Employment contracts of directors and senior executives
For each individual whose remuneration has been disclosed in this report and is employed under an employment contract, 
the details of the employment contract are as follows:
AUSTRALIAN ETHICAL INVESTMENT LTD

24

             
 
          
                            
 
             
 
          
                            
 
             
 
          
                            
 
                      
 
                  
 
                            
 
                      
 
                  
 
                            
 
                      
 
                  
 
                            
 
             
 
        
                            
 
             
 
        
                            
 
             
 
          
                  
 
             
 
                  
 
                            
 
                      
 
                  
 
                            
 
             
 
          
                            
 
             
 
                  
 
                            
 
                      
 
                  
 
                            
 
             
 
        
                  
 
Name

Duration of contract

Period of termination 
notice required

Termination payment provided for under the 
contract

Caroline Le Couteur

Ongoing

James Thier

Howard Pender

Anne O’Donnell

Gary Leckie

Philip George

Paul Harding Davis

Tim Xirakis

Ongoing

Ongoing

Ongoing

Ongoing

Ongoing

Ongoing

Ongoing

4 weeks

2 weeks

12 weeks

12 weeks

2 weeks

12 weeks

12 weeks

4 weeks

None except for accrued leave and any

payment in lieu of notice.

Non-director committee members and company secretary particulars

Name

Qualifications

Experience

Ruth Medd

B.Sc., Dip Comp Science, CPA, 
MAICD, Non-Executive Chairper-
son

Philip George BSc LLB

Ruth is currently on the board of the NFAW Ltd (National Foundation for 
Australian Women), WOB Pty Ltd and the Infants Home, Ashfield. Ruth 
is Chair of the company’s wholly-owned subsidiary Australian Ethical 
Superannuation Pty Ltd.  Ruth also Chair’s the company’s audit and 
compliance and risk committees.  Ruth started in IT in the 1970s. Since 
then she has been a senior public servant, a broadcasting regulator, the 
inaugural Company Secretary at Telstra and the Executive Director of 
an industry association.

Philip has experience in commercial law, corporate governance and 
project management.  He has been a company secretary and legal 
counsel for listed companies for over six years.  He was a senior asso-
ciate at the national law firm Minter Ellison and conducted a commercial 
legal practice in partnership for two years.

Options as at the date of this report
Options over unissued shares as at the date of this report are as follows:

Options Reference

Number of options on issue

Exercise Period

Exercise Price

AEFAQ

AEFAS

AEFAT

Totals

36,080

36,357

41,837

114,274

21/9/08 to 20/12/08

22/9/09 to 21/12/09

24/9/10 to 23/12/10

$24.82

$32.50

$57.57

All options are over unissued shares in the company.  Unexercised options expire at the end of the exercise period.  No 
option holder has any right under the options to participate in any other share issue of the company or of any other entity.

Shares issued upon the exercise of options
The following ordinary shares of the company were issued during the year ended 30 June 2008 on the exercise of options 
granted under the company’s employee share ownership plan.  No further shares have been issued since that date to the 
date of this report.  No amounts are unpaid on any of the shares.

Shares issued upon 
exercise of options

Amount paid per share

34,506

$16.28

Auditor’s declaration
A copy of the auditor’s independence declaration as required under section 307C of the Corporations Act 2001 forms part of 
this report and follows at the end of the report. 

Non-audit services
The directors, in accordance with advice from the audit committee, are satisfied that the provision of the non-audit services 

25

AUSTRALIAN ETHICAL INVESTMENT LTD

by the auditor during the year is compatible with the general standard of independence for auditors imposed by the 
Corporations Act 2001.  The directors are satisfied that the services disclosed in the financial report did not compromise the 
external auditor’s independence because the provision of non-audit services is minor and in most cases is ancillary or related 
to audit activities.  The directors are not aware of any circumstances that would prevent the external auditor from exercising 
objective and impartial judgement in relation to the conduct of the audit.  

Details of non-audit services provided by the auditor are set out in Note 2 of the attached financial report.

Other specific information
Other specific information has been disclosed in the attached financial report as referenced in the table below:

Disclosure

Dividends

Options – issued during the financial year and since the 
end of the financial year

Financial Statement Reference

Note 5

Note 24

Signed in accordance with a resolution of the Board of Directors.

Australian Ethical Investment Limited A.B.N. 47 003 188 930 and controlled entity 

Howard Pender 
Director
Dated: 26 September 2008

AUDITOR’S INDEPENDENCE DECLARATION UNDER SECTION 307C 
OF THE CORPORATIONS ACT 2001 

AUIDTOR’S INDEPENDENCE DECLARATION UNDER SECTION 307C
OF THE CORPORATIONS ACT 2001

I declare that, to the best of my knowledge and belief, during the year ended 30 June 2008 there have been: 

(i) 

no  contraventions  of  the  auditor  independence  requirements  as  set  out  in  the  Corporations 
Act 2001 in relation to the audit; and 

             (ii) 

no contraventions of any applicable code of professional conduct in relation to the audit.

THOMAS DAVIS & CO.

                                                                                                                       P.L. WHITEMAN      PARTNER     

Date 26 September 2008
Liability limited by a scheme approved under Professional Standards Legislation

AUSTRALIAN ETHICAL INVESTMENT LTD

26

Date 26 September  2008     

Liability limited by a scheme approved under Professional Standards Legislation 

16

           
                           
                                                                                                                                                                             
                                                                                                                                                                  
                   
 
    
 
Australian Ethical Investment Limited A.B.N. 47 003 188 930 and controlled entity

Financial statements for year ended 30 June 2008

Current assets
Cash and cash equivalents
Trade and other receivables
Financial assets
Other current assets

Total current assets

Non-current assets
Property, plant & equipment
Financial assets
Deferred tax assets

Total non-current assets

Total assets

Current liabilities
Trade and other payables
Current tax liabilities
Short-term provisions

Total current liabilities

Non-current liabilities
Deferred tax liabilities
Other long-term provisions

Total non-current liabilities

Total liabilities

Net assets

Equity
Issued capital
Reserves
Retained earnings

Total equity

Balance Sheet
as at 30 June 2008

Notes

Consolidated Entity

Parent Entity

2008
$

2007
$

2008
$

2007
$

7
8
9
10

11
9
12

13

15

14
15

2,552,238
1,812,410
1,748,774
248,491

1,672,464
1,487,185
1,830,430
183,644

1,049,089
1,246,646
1,748,774
204,245

643,525
1,379,251
1,830,430
162,275

6,361,913

5,173,723

4,248,754

4,015,481

4,205,801
94,744
489,784

4,328,138
158,000
392,435

4,205,801
410,744
485,584

4,328,138
474,000
391,385

4,790,329

4,878,573

5,102,129

5,193,523

11,152,242

10,052,296

9,350,883

9,209,004

2,115,330
110,702
432,097

1,681,284
279,307
331,953

2,048,476
110,702
432,097

1,869,901
279,307
331,953

2,658,129

2,292,544

2,591,275

2,481,161

33,285
79,338

33,248
42,371

33,285
79,338

33,248
42,371

112,623

75,619

112,623

75,619

2,770,752

2,368,163

2,703,898

2,556,780

8,381,490

7,684,133

6,646,985

6,652,224

16
16
16

5,740,791
334,821
2,305,878

4,949,532
200,687
2,533,914

5,740,791
334,821
571,373

4,949,532
200,687
1,502,005

8,381,490

7,684,133

6,646,985

6,652,224

The accompanying notes form part of these financial statements

17

27

AUSTRALIAN ETHICAL INVESTMENT LTD

 
         
         
         
            
         
         
            
            
         
         
         
            
            
         
              
              
            
         
         
         
            
            
         
Australian Ethical Investment Limited A.B.N. 47 003 188 930 and controlled entity

Income Statement
for the year ended 30 June 2008

Notes

Consolidated Entity

Parent Entity

2008
$

2007
$

2008
$

2007
$

Revenue

3

14,064,371

12,467,148

10,618,566

9,870,632

Commissions paid to advisers

( 284,450)

( 260,467)

( 75,477)

( 61,390)

External services

( 2,981,077)

( 2,803,039)

( 1,066,833)

( 1,077,421)

Employee benefits expense

( 6,257,080)

( 4,976,651)

( 6,241,118)

( 4,956,578)

Depreciation

Occupancy costs

Communication costs

Other expenses 

( 285,736)

( 225,320)

( 285,736)

( 225,320)

( 196,340)

( 316,447)

( 187,013)

( 310,894)

( 839,144)

( 597,178)

( 789,496)

( 543,537)

( 568,428)

( 407,195)

( 538,793)

( 380,558)

Profit before tithe and income tax expense

2,652,116

2,880,851

1,434,100

2,314,934

Tithes expense

1 (k)

( 200,891)

( 224,964)

( 200,891)

( 224,964)

Profit before income tax 

2,451,225

2,655,887

1,233,209

2,089,970

Income tax expense

Profit for the year

Profit attributable to members of the
parent entity

Basic Earnings per share (cents per share)
Diluted earnings per share (cents per share)

4

16

6
6

The accompanying notes form part of these financial statements

( 799,435)

( 836,710)

( 284,015)

( 384,218)

1,651,790

1,819,177

949,194

1,705,752

1,651,790

1,819,177

949,194

1,705,752

170.3
165.4

194.8
185.6

AUSTRALIAN ETHICAL INVESTMENT LTD

28

18

       
         
         
            
            
Australian Ethical Investment Limited A.B.N. 47 003 188 930 and controlled entity

Statement of Changes in Equity
for the year ended 30 June 2008

Notes

Consolidated Entity

Parent Entity

2008
$

2007
$

2008
$

2007
$

Total equity at beginning of financial period

7,684,133

6,273,783

6,652,224

5,355,299

Available-for-sale investments:
Valuation gains/(losses) taken to equity
Transferred to profit or loss on sale

( 60,166)
-

3,811
7,464

( 60,166)
-

3,811
7,464

Employee share options

176,266

96,607

176,266

96,607

Income tax on items taken directly to or 
transferred directly from equity

18,034

( 1,143)

18,034

( 1,143)

Net income recognised directly in equity

134,134

106,739

134,134

106,739

Profit for the financial year

1,651,790

1,819,177

949,194

1,705,752

Total recognised income and expense for the
period

Transactions with equity holders in their capacity 
as equity holders:
      Contribution of equity, net of transaction costs
      Dividends provided for or paid

Total equity at the end of the financial 
period

Total recognised income and expense for the 
financial year is attributable to:
Equity holders of the parent

1,785,924

1,925,916

1,083,328

1,812,491

791,259
( 1,879,826)
( 1,088,567)

321,109
( 836,675)
( 515,566)

791,259
( 1,879,826)
( 1,088,567)

321,109
( 836,675)
( 515,566)

16

8,381,490

7,684,133

6,646,985

6,652,224

1,785,924
1,785,924

1,925,916
1,925,916

1,083,328
1,083,328

1,812,491
1,812,491

The accompanying notes form part of these financial statements

19

29

AUSTRALIAN ETHICAL INVESTMENT LTD

         
                        
            
              
            
            
       
     
         
    
            
         
         
         
Australian Ethical Investment Limited A.B.N. 47 003 188 930 and controlled entity

Cash flow statement
for the year ended 30 June 2008

Notes

Consolidated Entity

Parent Entity

2008
$

2007
$

2008
$

2007
$

14,899,240
( 11,606,829)
-
285,547
( 1,047,296)
( 221,168)
( 224,964)

12,535,315
( 9,467,091)
-
286,760
( 992,589)
( 192,285)
( 173,132)

11,173,592
( 9,389,198)
500,000
195,822
( 423,764)
( 221,168)
( 224,964)

9,679,684
( 7,770,366)
942,248
232,674
( 644,781)
( 192,285)
( 173,132)

21 (b)

2,084,530

1,996,978

1,610,320

2,074,042

1,117,397
( 184,139)
( 1,100,000)
66,438

1,192,683
( 1,974,986)
( 500,000)
15,070

1,117,397
( 184,139)
( 1,100,000)
66,438

1,192,683
( 1,974,986)
( 500,000)
15,070

Cash flows from operating activities
Receipts from operations
Payment to suppliers & employees
Dividends received
Interest/distributions received
Income tax paid
Bonus
Tithe

Net cash provided by (used in) operating 
activities

Cash flows from investing activities
Proceeds from sale of investments
Purchase of property, plant & equipment
Purchase of investments
Repayment of loans

Net cash provided by (used in) investing activities

( 100,304)

( 1,267,233)

( 100,304)

( 1,267,233)

Cash flows from financing activities
Proceeds from share issue
Share buy-back payment
Dividends paid

954,328
( 178,954)
( 1,879,826)

392,921
( 92,761)
( 836,675)

954,328
( 178,954)
( 1,879,826)

392,921
( 92,761)
( 836,675)

Net cash provided by (used in) financing activities

( 1,104,452)

( 536,515)

( 1,104,452)

( 536,515)

Net increase (decrease) in cash held

879,774

193,230

405,564

270,294

Cash at beginning of financial year

1,672,464

1,479,234

643,525

373,231

Cash at end of financial year

21 (a)

2,552,238

1,672,464

1,049,089

643,525

The accompanying notes form part of these Financial Statements

AUSTRALIAN ETHICAL INVESTMENT LTD

30

20

       
            
            
         
         
              
            
            
            
         
Australian Ethical Investment Limited A.B.N. 47 003 188 930 and controlled entity 

Notes to the financial statements for the year ended 30 June 2008
Notes to the financial statements for the year ended 30 June 2008 

Note 1 - Statement of significant accounting policies 

The financial report is a general purpose financial report that has been prepared in 
accordance with Australian Accounting Standards, other authoritative pronouncements of the 
Australian Accounting Standards Board and the Corporations Act 2001. 

The financial report covers the consolidated entity of Australian Ethical Investment Limited 
and its wholly owned entity Australian Ethical Superannuation Pty Ltd and Australian Ethical 
Investment Limited as an individual parent entity.  Australian Ethical Investment Limited is a 
listed public company and both the parent and wholly owned entity are incorporated and 
domiciled in Australia. 

The nature of the operations and principal activities of the consolidated entity are described at 
note 19.

The financial report of Australian Ethical Investment Limited and its wholly owned entity, and 
Australian Ethical Investment Limited as an individual parent entity comply with all Australian 
equivalents to International Financial Reporting Standards (AIFRS) in their entirety. 

The following is a summary of the material accounting policies adopted by the consolidated 
entity in the preparation of the financial report.  The accounting policies have been 
consistently applied, unless otherwise stated. 

Basis of preparation 

The financial report has been prepared on an accruals basis and is based on historical costs 
modified by the revaluation of selected financial assets for which the fair value basis of 
accounting has been applied. 

Accounting Policies 

a) Principles of consolidation 

A controlled entity is any entity Australian Ethical Investment Limited has the power to control 
the financial and operating policies of so as to obtain benefits from its activities. 

All controlled entities have a June financial year-end. 

All inter-company balances and transactions between entities in the consolidated entity, 
including any unrealised profits or losses, have been eliminated on consolidation. Accounting 
policies of controlled entities have been changed where necessary to ensure consistencies 
with those policies applied by the parent entity. 

The consolidated financial statements comprise the financial statements of Australian Ethical 
Investment Limited and its wholly owned entity Australian Ethical Superannuation Pty Limited. 

b) Income tax 

The charge for current income tax expenses is based on the profit for the year adjusted for 
any non-assessable or disallowed items. It is calculated using tax rates that have been 
enacted or are substantively enacted by the balance sheet date. 

21

31

AUSTRALIAN ETHICAL INVESTMENT LTD

Australian Ethical Investment Limited A.B.N. 47 003 188 930 and controlled entity 

Notes to the financial statements for the year ended 30 June 2008 

Note 1 - Statement of significant accounting policies - continued 

b) Income tax - continued 

Deferred tax is accounted for using the balance sheet liability method in respect of temporary 
differences arising between the tax bases of assets and liabilities and their carrying amounts 
in the financial statements. No deferred income tax will be recognised from the initial 
recognition of an asset or liability, excluding a business combination, where there is no effect 
on accounting or taxable profit or loss. 

Deferred tax is calculated at the tax rates that are expected to apply to the period when the 
asset is realised or liability is settled. Deferred tax is credited in the income statement except 
where it relates to items that may be credited directly to equity, in which case the deferred tax 
is adjusted directly against equity. 

Deferred income tax assets are recognised to the extent that it is probable that future tax 
profits will be available against which deductible temporary differences can be utilised. 

The amount of benefits brought to account or which may be realised in the future is based on 
the assumption that no adverse change will occur in income taxation legislation and the 
anticipation that the consolidated entity will derive sufficient future assessable income to 
enable the benefit to be realised and comply with the conditions of deductibility imposed by 
the law. 

Australian Ethical Investment Limited and its wholly owned entity Australian Ethical 
Superannuation Pty Ltd have formed an income tax consolidated group under the Tax 
Consolidation System. Australian Ethical Investment Limited is responsible for recognising the 
current and deferred tax assets and liabilities for the tax consolidated group.  The group 
notified the Australian Tax Office (ATO) on 24 March 2004 that it had formed an income tax 
consolidated group to apply from 1 July 2002.  The tax consolidated group has entered a tax 
sharing agreement whereby each company in the group contributes to the income tax 
payable in proportion to their contribution to the net profit before tax of the tax consolidated 
group.  Under the tax sharing agreement Australian Ethical Superannuation Pty Ltd agrees to 
pay its share of the income tax payable to Australian Ethical Investment Limited on the same 
day that Australian Ethical Investment Limited pays the ATO for group tax liabilities. 

c) Property, plant and equipment 

Each class of property, plant and equipment is carried at cost or fair value less, where 
applicable, any accumulated depreciation and impairment losses. 

Property 

Leasehold land and buildings are shown at cost less any accumulated depreciation and any 
accumulated impairment losses. 

Any accumulated depreciation at the date of revaluation is eliminated against the gross 
carrying amount of the asset and the net amount is restated to the re-valued amount of the 
asset. 

Plant and equipment 

Plant and equipment are measured on the cost basis less depreciation and impairment 
losses.

1The carrying amount of plant and equipment is reviewed annually by directors to ensure it is 
not in excess of the recoverable amount from these assets. The recoverable amount is 
assessed on the basis of the expected net cash flows that will be received from the assets  

22
AUSTRALIAN ETHICAL INVESTMENT LTD

32

Australian Ethical Investment Limited A.B.N. 47 003 188 930 and controlled entity 

Notes to the financial statements for the year ended 30 June 2008 

Note 1 - Statement of significant accounting policies - continued 

c) Property, plant and equipment - continued 

employment and subsequent disposal. The expected net cash flows have been discounted to 
their present values in determining recoverable amounts. 

Depreciation 

The depreciable amount of all fixed assets including buildings, is depreciated over their 
estimated useful lives to the consolidated entity commencing from the time the asset is held 
ready for use. 

The depreciation rates used for each class of assets are: 

Class of fixed asset 

Depreciation 
Rates

Depreciation Basis 

Buildings 
Furniture, fittings and equipment 
Software 

Straight line 
2.5%-20% 
10% to 37.5% 
Straight line/Diminishing value 
18.75% to 40%  Straight line/Diminishing value 

The assets’ residual values and useful lives are reviewed, and adjusted if appropriate, at each 
balance sheet date. 

An asset’s carrying amount is written down immediately to its recoverable amount if the 
asset’s carrying amount is greater than its estimated recoverable amount. 

Gains and losses on disposals are determined by comparing proceeds with the carrying 
amount. These gains and losses are included in the income statement. When re-valued 
assets are sold, amounts included in the revaluation reserve relating to that asset are 
transferred to retained earnings. 

d) Financial instruments 

Recognition 

Financial instruments are initially measured at cost on trade date, which includes transaction 
costs, when the related contractual rights or obligations exist. Subsequent to initial recognition 
these instruments are measured as set out below. 

Available-for-sale financial assets 

The consolidated entity holds only available for sale financial assets. Available for sale 
financial assets are assets not classified as financial assets at fair value through profit and 
loss, loans and receivables, or held-to-maturity investments. Available-for-sale financial 
assets are reflected at fair value. Unrealised gains and losses arising from changes in fair 
value are taken directly to equity. 

Fair value 

Fair value is determined based on current bid prices for all quoted investments. Valuation 
techniques are applied to determine the fair value for all unlisted securities, including recent 
arm’s length transactions, reference to similar instruments and option pricing models. 

23

33

AUSTRALIAN ETHICAL INVESTMENT LTD

 
 
 
Australian Ethical Investment Limited A.B.N. 47 003 188 930 and controlled entity 

Notes to the financial statements for the year ended 30 June 2008 

Note 1 - Statement of significant accounting policies – continued 

d) Financial instruments– continued 

Impairment

At each reporting date, the group assess whether there is objective evidence that a financial 
instrument has been impaired. In the case of available-for sale financial instruments, a  
prolonged decline in the value of the instrument is considered to determine whether an 
impairment has arisen. Impairment losses are recognised in the income statement. 

e) Impairment of assets 

At each reporting date, the group reviews the carrying values of its tangible and intangible 
assets to determine whether there is any indication that those assets have been impaired. If 
such an indication exists, the recoverable amount of the asset, being the higher of the asset’s 
fair value less costs to sell and value in use, is compared to the asset’s carrying value. Any 
excess of the asset’s carrying value over it recoverable amount is expensed to the income 
statement.

Where it is not possible to estimate the recoverable amount of an individual asset, the group 
estimates the recoverable amount of the cash-generating unit to which the asset belongs. 

f) Employee benefits 

Provision is made for the company’s liability for employee benefits arising from services 
rendered by employees to balance date. Employee benefits that are expected to be settled 
within one year have been measured at the amounts expected to be paid when the liability is 
settled, plus related on-costs. Employee benefits payable later than one year have been 
measured at the present value of the estimated future cash outflows to be made for those 
benefits.

Share options 

Share based compensation benefits are provided to employees via the Australian Ethical 
Investment Limited employee share ownership plan.  Share options have been granted 
annually to employees and details are disclosed in the annual financial report. 

Share options granted before 7 November 2002 and/or vested before 1 January 2005 
No expense is recognised in respect of these options.  The shares are recognised when the 
options are exercised and the proceeds received allocated to share capital. 

Share options granted on or after 7 November 2002 and vested after 1 January 2005 
The fair value of options granted under the Australian Ethical Investment Limited employee 
share ownership plan is recognised as an employee benefit expense with a corresponding 
increase in equity.  The fair value is measured at grant date and recognised over the vesting 
period. 

At each balance sheet date, the entity revises its estimate of the number of options that are 
expected to become exercisable.  The employee benefit expense recognised each period 
takes into account the most recent estimate. 

Upon the exercise of options, the balance of the options reserve relating to those options is 
transferred to share capital and the proceeds received, net of any directly attributable 
transaction costs, are credited to share capital. 

AUSTRALIAN ETHICAL INVESTMENT LTD

34

24

Australian Ethical Investment Limited A.B.N. 47 003 188 930 and controlled entity 

Notes to the financial statements for the year ended 30 June 2008 

Note 1 - Statement of significant accounting policies – continued 

f) Employee benefits - continued 

Employee bonus 

The group recognises a liability and an expense for bonuses and profit-sharing based on a 
formula that takes into consideration the profit attributable to the company's shareholders 
after certain adjustments.  The group recognises a provision where contractually obliged or 
where there is a past practice that has created a constructive obligation. 

g) Provisions 

Provisions are recognised when the group has a legal or constructive obligation, as a result of 
past events, for which it is probable that an outflow of economic benefits will result and that 
outflow can be reliably measured. 

h) Cash and cash equivalents 

Cash and cash equivalents include cash on hand and deposits held at call with banks. 

i) Revenue 

Revenue from the rendering of a service is recognised upon the delivery of the service to the 
customers. 

Interest revenue is recognised on a proportional basis taking into account the interest rates 
applicable to the financial assets. 

All revenue is stated net of the amount of goods and services tax (GST). 

j) Goods and services tax (GST) 

Revenues, expenses and assets are recognised net of the amount of GST, except where the 
amount of GST incurred is not recoverable from the Australian Tax Office. In these 
circumstances the GST is recognised as part of the cost of acquisition of the asset or as part  
of an item of the expense. Receivables and payables in the balance sheet are shown 
inclusive of GST. 

Cash flows are presented in the cash flow statement on a gross basis, except for the GST 
component of investing and financing activities, which are disclosed as operating cash flows. 

k) Tithes expense 

The Company’s Constitution states that "the directors before recommending or declaring any 
dividend to be paid out of the profits of any one year must have first:- 

(i) 

(ii) 

paid or provisioned for payment to current employees, or other persons 
performing work for the company, a work related bonus or incentive payment, set 
at the discretion of the directors, but to be no more than 30 percent (30%) of what 
the profit for that year would have been had not the bonus or incentive payment 
been deducted" 
"gifted or provisioned for gifting an amount equivalent to ten percent (10%) of 
what the profit for that year would have been had not the above mentioned bonus 
and amount gifted been deducted". 

25

35

AUSTRALIAN ETHICAL INVESTMENT LTD

Australian Ethical Investment Limited A.B.N. 47 003 188 930 and controlled entity 

Notes to the financial statements for the year ended 30 June 2008 

Note 1 - Statement of significant accounting policies - continued 

l) Earnings per share 

Basic earnings per share 
Basic earnings per share is calculated by dividing the profit attributable to equity holders of 
the company, by the weighted average number of ordinary shares outstanding during the 
financial year. 

Diluted earnings per share 
Diluted earnings per share adjusts the figures used in the determination of basic earnings per 
share to take into account the after income tax effect of the interest and other financing costs 
associated with dilutive potential ordinary shares and the weighted average number of shares 
assumed to have been issued for no consideration in relation to dilutive potential ordinary 
shares. 

m) Comparative figures 

Where required comparative figures have been adjusted to conform with changes in 
presentation for the current financial year. 

Critical accounting estimates and judgements 

The directors evaluate estimates and judgments incorporated into the financial report based 
on historical knowledge and best available current information. Estimates assume a 
reasonable expectation of future events and are based on current trends and economic data, 
obtained both externally and within the group. 

Key estimates – annual leave and long service leave provision 
Future average salary increases have been estimated at 5%.  This increase has been 
incorporated into the annual leave and long service leave provision. 

Key judgements 
Australian Ethical Investment Limited has a loan receivable from the Centre for Australian 
Ethical Research recorded as an asset on its balance sheet for $105,946.  The directors have 
determined that no provision for impairment is required for this loan. 

26
AUSTRALIAN ETHICAL INVESTMENT LTD

36

Australian Ethical Investment Limited A.B.N. 47 003 188 930 and controlled entity

Notes to the financial statements for the year ended 30 June 2008

Note 2 - Auditors' remuneration

Remuneration of the auditors for:

Audit services
 - Auditing the financial report
 - Auditing the Custodian transition
 - Auditing the Administrator transition
 - Auditing the sustainability report

Non-audit services

 - Tax and other accounting advice
 - Internal control and risk review

Note 3 - Revenue

Operating activities
 - Management fees net of rebates
 - Entry fees
 - Member & Withdrawal Fees
 - Other fees
 - Dividend from wholly owned subsidiary
 - Interest/distributions
 - Wholly owned entity fee
 - Other revenue

Consolidated Entity

Parent Entity

2008
$

2007

$        

2008
$

2007
$

34,000
5,000
10,000
5,000

30,500
-
-
4,600

30,000
2,500
-
5,000

27,000
-
-
4,600

3,000
7,000

3,450
16,500

3,000
7,000

3,000
15,000

10,737,924
1,861,872
444,513
653,080
-
272,819
-
94,163
14,064,371

9,429,699
1,837,914
380,693
453,283
-
275,292
-
90,267
12,467,148

5,127,584
501,215
-
653,080
500,000
183,095
3,563,238
90,354
10,618,566

4,935,178
484,170
-
453,283
942,248
221,205
2,752,623
81,925
9,870,632

Total revenue

14,064,371

12,467,148

10,618,566

9,870,632

27

37

AUSTRALIAN ETHICAL INVESTMENT LTD

              
                
                        
                
                
                
         
            
                        
            
            
            
         
              
       
       
Australian Ethical Investment Limited A.B.N. 47 003 188 930 and controlled entity

Notes to the financial statements for the year ended 30 June 2008

Note 4 - Income tax expense

a) The components of tax expense comprise:
 - Current tax
 - Deferred tax

b) The prima facie tax payable on profit from 
    ordinary activities before income tax is reconciled
    to the income tax expense as follows:

Prima facie tax payable on profit from ordinary 
activities before income tax at 30% (2007:30%)
- Consolidated entity
- Parent entity
- Other members of the income tax consolidated
  group net of intercompany transactions

Add: tax effect of:
 - Other non-allowable items
 - Share options expensed during year
 - Under provision for income tax in prior year

Less: tax effect of: 
 - Rebateable fully franked dividends
 - Non-assessable income
 - Franking and foreign tax credits

Consolidated Entity

Parent Entity

2008
$

2007

$        

2008
$

2007
$

878,691
(79,256)
799,435

915,888
(79,178)
836,710

360,121
(76,106)
284,015

468,196
(83,978)
384,218

735,368
-

796,766
-

-
369,963

-
626,991

-

-

515,420

452,641

1,077
52,879
10,616
799,940

1,455
28,982
11,119
838,322

1,062
52,879
10,616
949,940

1,413
28,982
11,119
1,121,146

-
-
( 505 )

-
( 738 )
( 874 )

( 150,000 )
-
( 505 )

( 282,675)
( 738)
( 874)

Income tax expense attributable to entity

799,435

836,710

799,435

836,859

Allocation of income tax expense to wholly owned
entity under the tax sharing agreement

-

-

( 515,420)

( 452,641)

Income tax expense attributable to entity

799,435

836,710

284,015

384,218

The applicable weighted average effective tax 
rates are as follows:

33%

32%

23%

18%

AUSTRALIAN ETHICAL INVESTMENT LTD

28 38

                        
            
            
                
              
              
            
                        
            
            
Australian Ethical Investment Limited A.B.N. 47 003 188 930 and controlled entity

Notes to the financial statements for the year ended 30 June 2008

Note 5 - Dividends

Distributions paid

Final fully franked dividend of 152 (2007: 50) cents 
per share franked at the tax rate of 30% 
(2007:30%)

Interim fully franked dividend of 45 (2007: 40) 
cents per share franked at the tax rate of 30% 
(2007:30%)

Declared final fully franked dividend of 120 (2007:
152) cents per share franked at the tax rate of 30% 
(2007: 30%)

Balance of franking account at year end adjusted 
for franking credits which will arise from income tax 
payments in the following year.

Subsequent to year-end, the franking account 
would be reduced by the declared dividend 
reflected above as follows:

Note 6 - Earnings per share

(a) Earnings used to calculate basic EPS and 
dilutive EPS

(b) Weighted average number of ordinary shares 
outstanding during the year used in calculation of 
basic EPS

Weighted average number of options outstanding
Weighted average number of ordinary shares 
outstanding during the year used in calculation of 
dilutive EPS

Note 7 - Cash and cash equivalents
Cash on hand
Cash at bank
Deposits at call

Consolidated Entity

Parent Entity

2008
$

2007

$        

2008
$

2007
$

1,437,025

458,631

1,437,025

458,631

442,801
1,879,826

378,044
836,675

- 

442,801
1,879,826

378,044
836,675

1,180,804

1,436,566

1,180,804

1,436,566

1,616,777

1,543,029

506,059
1,110,718

615,671
927,358

1,651,790

1,819,177

970,020

934,002

28,745

45,960

998,765

979,962

300
222,476
2,329,462
2,552,238

300
32,114
1,640,050
1,672,464

300
4,793
1,043,996
1,049,089

300
3,165
640,060
643,525

Cash at bank earns interest at floating rates based on daily bank deposit rates.

Deposits at call is money invested in high interest bank account.  Interest is calculated daily based on
daily bank deposit rates.

29 39

AUSTRALIAN ETHICAL INVESTMENT LTD

       
         
         
       
          
         
            
       
         
       
     
         
    
         
    
            
       
         
       
     
          
         
            
           
          
         
                   
                
         
         
Australian Ethical Investment Limited A.B.N. 47 003 188 930 and controlled entity

Notes to the financial statements for the year ended 30 June 2008

Note 8 - Trade and other receivables
Trade receivables
Other
Amounts receivable - wholly owned entity

Note 9 - Financial assets
Available-for-sale financial assets
Loans

Less non-current portion
Current portion

a. Available-for-sale financial assets comprise:
 - Money market deposit at cost
 - Mortgage backed security at fair value
 - Bank note at fair value
 - Units in unit trust at fair value
 - Shares in wholly owned entity at cost

Consolidated Entity

Parent Entity

2008
$

2007

$        

2008
$

2007
$

1,785,510
26,900
-
1,812,410

1,446,758
40,427
-
1,487,184

1,100,702
26,900
119,044
1,246,646

1,114,818
40,427
224,006
1,379,251

1,737,572
105,946
1,843,518
94,744
1,748,774

1,815,158
173,272
1,988,430
158,000
1,830,430

2,053,572
105,946
2,159,518
410,744
1,748,774

2,131,158
173,272
2,304,430
474,000
1,830,430

1,100,000
287,681
-
349,891
-
1,737,572

500,000
408,502
502,030
404,626
-
1,815,158

1,100,000
287,681
-
349,891
316,000
2,053,572

500,000
408,502
502,030
404,626
316,000
2,131,158

The money market deposits are at fixed interest rates of 8% and 8.13% with maturity dates 
of 25 November 2008 and 24 September 2008. They are investment grades rated by S&P.

The mortgage backed security is at a floating interest rate of BBSW + 0.39, has a maturity 
date of 24 October 2009 and is investment grade rated by S&P.

b. Loans comprise
 - Loan to other entity

105,946
105,946

173,272
173,272

105,946
105,946

173,272
173,272

The loan is provided to an independent entity. 
The loan is at a fixed interest rate of 9.0% and matures 1 August 2015.

Note 10 - Other current assets
Other
Prepayments

6,102
242,389
248,491

22,160
161,484
183,644

6,102
198,143
204,245

22,160
140,115
162,275

AUSTRALIAN ETHICAL INVESTMENT LTD

30 40

         
              
            
         
         
            
         
            
         
         
            
                        
            
            
         
            
            
                
            
            
Australian Ethical Investment Limited A.B.N. 47 003 188 930 and controlled entity

Notes to the financial statements for the year ended 30 June 2008

Note 11 - Property, plant and equipment

Consolidated Entity

Parent Entity

2008
$

2007

$        

2008
$

2007
$

Land and buildings

Leasehold land
At cost
Total land

Buildings
At cost
Accumulated depreciation
Total buildings

Total land and buildings

Plant and equipment
At cost
Accumulated depreciation
Total plant and equipment

230,000
230,000

230,000
230,000

230,000
230,000

230,000
230,000

2,784,117
( 157,503 )
2,626,614

2,784,117
( 83,191 )
2,700,926

2,784,117
( 157,503)
2,626,614

2,784,117
( 83,191)
2,700,926

2,856,614

2,930,926

2,856,614

2,930,926

2,075,929
( 726,742)
1,349,187

1,991,339
( 594,127)
1,397,212

2,075,929
( 726,742)
1,349,187

1,991,339
( 594,127)
1,397,212

Total property, plant and equipment

4,205,801

4,328,138

4,205,801

4,328,138

Movements in carrying amounts

Land
Balance at the beginning of year
Additions
Disposals
Carrying amount at the end of year

Buildings
Balance at the beginning of year
Additions
Disposals
Depreciation expense
Carrying amount at the end of year

Plant and equipment
Balance at the beginning of year
Additions
Disposals
Depreciation expense
Carrying amount at the end of year

230,000
-
-
230,000

230,000
-
-
230,000

230,000
-
-
230,000

230,000
-
-
230,000

2,700,926

-
( 74,312)
2,626,614

2,056,435
705,040
-
( 60,549)
2,700,926

2,700,926

-
( 74,312)
2,626,614

2,056,435
705,040
-
( 60,549)
2,700,926

1,397,212
176,524
( 13,125)
( 211,424)
1,349,187

326,718
1,244,747
( 9,482)
( 164,771)
1,397,212

1,397,212
176,524
( 13,125)
( 211,424)
1,349,187

326,718
1,244,747
( 9,482)
( 164,771)
1,397,212

Total

4,205,801

4,328,138

4,205,801

4,328,138

31

41 

AUSTRALIAN ETHICAL INVESTMENT LTD

            
            
         
         
         
         
         
         
            
                        
                        
            
         
       
                        
         
         
            
         
         
Australian Ethical Investment Limited A.B.N. 47 003 188 930 and controlled entity

Notes to the financial statements for the year ended 30 June 2008

Consolidated Entity

Parent Entity

2008
$

2007

$        

2008
$

2007
$

Note 12 - Deferred tax assets
The balance comprises temporary differences 
attributable to:

Amounts recognised in profit or loss
Employee benefits
Tithe
Audit fees

Amounts recognised directly in equity
Financial asset revaluations

Movements
Opening balance at 1 July
Credited (charged) to the income statement
Credited (charged) to equity
Closing balance at 30 June 

Note 13 - Trade and other payables
Trade payables
Sundry payables and accrued expenses
Employee bonus
Amounts payable to wholly owned entity

Note 14 - Deferred tax liabilities
The balance comprises temporary differences 
attributable to:

Amounts recognised in profit or loss:
Stamp duty on leasehold property:
Tax deferred income
Amounts recognised in equity:
Available-for-sale financial assets 

Movements
Opening balance at 1 July
Credited/(charged) to the income statement
Credited/(charged) to equity
Closing balance at 30 June 

398,213
60,267
15,600
474,080

313,517
67,488
11,430
392,435

398,213
60,267
11,400
469,880

313,517
67,488
10,380
391,385

15,704

-

15,704

-

489,784

392,435

485,584

391,385

392,435
81,645
15,704
489,784

315,246
79,178
( 1,989)
392,435

391,385
78,495
15,704
485,584

309,396
83,978
( 1,989)
391,385

288,131
1,532,119
295,080
-
2,115,330

300,249
1,143,015
238,020
-
1,681,284

173,630
1,131,715
295,080
448,051
2,048,476

195,764
974,252
238,020
461,865
1,869,901

30,896
2,389

33,285

33,248
2,389
( 2,352)
33,285

30,896
-

2,352
33,248

30,896
-
2,352
33,248

30,896
2,389

33,285

33,248
2,389
( 2,352)
33,285

30,896
-

2,352
33,248

30,896

2,352
33,248

AUSTRALIAN ETHICAL INVESTMENT LTD

32 42

            
              
              
            
              
            
            
              
              
            
            
         
            
            
         
              
                
           
              
              
                
              
Australian Ethical Investment Limited A.B.N. 47 003 188 930 and controlled entity

Notes to the financial statements for the year ended 30 June 2008

Note 15 - Provisions
Current
Employee benefits - long service leave

Non-Current
Employee benefits - long service leave

Note 16 - Movements in equity

Issued capital
Ordinary shares 
Fully paid ordinary shares at the beginning of the
financial year 945,109 (2007 - 916,559) shares

Issue of share capital
Shares issued during the year under the employee 
share ownership plan:

302 on 24 September 2007 (share bonus)
24,644 on 9 November 2007 (options exercised)
8,413 on 30 November 2007 (options exercised)
1,449 on 18 December 2007 (option exercised)
703 on 22 September 2006 (share bonus)
24,146 on 31 October 2006 (options excercised)
2,781 on 28 November 2006 (options exercised)
6,851 on 15 January 2007 (option exercised)

2,798 on 5 October 2007 (dividend reinvestment 
plan)
4,711 on 19 October 2007 (dividend reinvestment 
plan)

Shares bought back during the year
3,423 on 17 October 2007
5,931 on 31 October 2006

Balance 30 June
984,003 (2007 - 945,109) shares

Consolidated Entity

Parent Entity

2008
$

2007

$        

2008
$

2007
$

432,097
432,097

331,953
331,953

432,097
432,097

331,953
331,953

79,338
79,338

42,371
42,371

79,338
79,338

42,371
42,371

4,949,532

4,628,423

4,949,532

4,628,423

-
-
-
-
20,949
340,700
39,240
96,667

15,885
401,204
136,964
23,590
-
-
-
-

146,279

246,291

-
-
-
-
20,949
340,700
39,240
96,667

15,885
401,204
136,964
23,590
-
-
-
-

146,279

246,291

( 178,954)

-
( 176,447)

( 178,954)

-
( 176,447)

5,740,791

4,949,532

5,740,791

4,949,532

33 43

AUSTRALIAN ETHICAL INVESTMENT LTD

            
            
              
              
         
              
            
            
              
                      
           
                        
         
                        
                        
                        
          
            
          
            
         
Australian Ethical Investment Limited A.B.N. 47 003 188 930 and controlled entity

Notes to the financial statements for the year ended 30 June 2008

Consolidated Entity

Parent Entity

2008
$

2007

$        

2008
$

2007
$

Note 16 - Movements in equity - continued

At 30 June 2008 there were 984,003 fully paid ordinary shares which have no par value.

For detailed information relating to the Australian Ethical Investment Limited employee share ownership plan, 
including details of options issued, exercised and lapsed during the financial year and the options outstanding 
at year-end, refer to note 24 Share-based payments

For information related to share options issued to key management personnel during the financial year
refer to the remuneration report contained within the Directors' report.

Ordinary shares participate in dividends and the proceeds on winding up of the parent entity in proportion to the
number of shares held.  At the shareholders meeting each ordinary share is entitled to one vote when a poll
is called, othewise each shareholder has one vote on a show of hands.

The company’s capital structure and policies remain relatively simple. The company currently has no debt and 
capital not required for working purposes is held as an investment in Trevor Pearcey House and in an investment 
portfolio comprising triple A securities, senior bank debt and corporate rated debt.  Detail provided in Note 9 and 11.

Management effectively manages the group's capital by assessing the group's financial risks and adjusting its capital 
structure in response to changes in these risks and in the market. These responses include the management of 
distributions to shareholders and share issues. 

Maintenance of a certain level of capital is a condition of the company’s Australian Financial Services Licence.
The company currently meets the $5.0M capital requirement above which no extra capital is required as a result of
increased funds under management.

Reserves
Available-for-sale financial assets revaluation reserve
Balance 1 July
Gross gains/ (losses)
Revaluation - gross
Deferred tax
Balance 30 June

$

5,489
-
( 60,166)
18,034
( 36,643)

( 4,643)
7,464
3,811
( 1,143)
5,489

5,489
-
( 60,166)
18,034
( 36,643)

( 4,643)
7,464
3,811
( 1,143)
5,489

Share-based payments reserve
Balance 1 July
Option expense
Balance 30 June

195,198
176,266
371,464

98,591
96,607
195,198

195,198
176,266
371,464

98,591
96,607
195,198

Total Reserves

334,821

200,687

334,821

200,687

The "Available-for-sale financial assets revaluation reserve" records revaluations to fair value of available 
for sale financial assets.

The "Share-based payments reserve" records items recognised as expenses on valuation of employee
share options.

Retained earnings
Balance 1 July
Profit for the period
Total for the period
Dividends
Balance 30 June

Total Equity

2,533,914
1,651,790
1,651,790
( 1,879,826)
2,305,878

1,551,412
1,819,177
1,819,177
( 836,675)
2,533,914

1,502,005
949,194
949,194
( 1,879,826)
571,373

632,928
1,705,752
1,705,752
( 836,675)
1,502,005

8,381,490

7,684,133

6,646,985

6,652,224

AUSTRALIAN ETHICAL INVESTMENT LTD

34 44

                
                        
              
            
            
            
            
         
            
            
            
         
Australian Ethical Investment Limited A.B.N. 47 003 188 930 and controlled entity

Notes to the financial statements for the year ended 30 June 2008

Consolidated Entity

Parent Entity

2008
$

2007

$        

2008
$

2007
$

Note 17 – Events after the balance sheet date
Since the end of the financial year, no material events that may have an impact on these financial statements
have occurred.

The financial report was authorised for issue on the directors' declaration date by the board of directors.

Note 18 - Economic dependence
The Consolidated Entity is dependent upon management fees received in its capacity as Responsible Entity of the 
Australian Ethical Trusts and as Trustee of the Australian Ethical Retail Superannuation Fund.

Note 19 - Segment reporting
The Consolidated Entity operated within one business segment (Investment Management) which represents its
primary segment reporting format and one geographical segment.

Note 20 - Contingencies

Superannuation Administrator Transition

The wholly owned entity, Australian Ethical Superannuation Pty Ltd (AES) is in dispute with United Funds 
Management Limited (United), its former fund administrator.  AES believes that United has failed to provide the 
contracted service and that it has valid claims for damages against United.  United is seeking payment of monies 
invoiced to AES for the service in the reporting period (approximately $250,000).  Notwithstanding the dispute, 
and without any prejudice to AES’ claims, AES has decided to recognise as expenses the disputed invoices in 
its 2008 financial statements consistent with a conservative accounting approach.  Similarly, a liability for the 
disputed amount will be included on the AES balance sheet.  The approach of AES will be reflected in Australian 
Ethical’s consolidated financial statements.  AES and United continue to discuss the claims and disputed 
invoices.

Should the dispute be resolved in AES' favour there may be a positive impact on future income statements.

There is also the potential for future costs arising from issues related to the superannuation administration 
transition.

Liabilties and assets of trusts and superannuation fund

Liabilities of the trusts and superannuation fund for which the Consolidated Entity and parent entity are 
Responsible Entity and Trustee but not shown in the financial statements of the Consolidated Entity or parent 
entity were:

Current liabilities
Payables
Provisions
Total liabilities

6,740,858
10,702,251
17,443,109

4,588,418
64,692,694
69,281,112

1,392,523
9,127,716
10,520,239

3,790,889
58,707,157
62,498,046

Rights of indemnities for liabilities incurred by the 
Consolidated Entity and parent entity not recorded 
in the financial statements were:

17,443,109

69,281,112

10,520,239

62,498,046

The trusts and superannuation fund hold sufficient assets to meet these liabilities as and when they fall due.

The assets of the trusts and superannuation fund 
are not available to meet any liabilities of the 
Consolidated Entity or parent entity acting in their 
own right.

35 45 

AUSTRALIAN ETHICAL INVESTMENT LTD

Australian Ethical Investment Limited A.B.N. 47 003 188 930 and controlled entity

Notes to the financial statements for the year ended 30 June 2008

Consolidated Entity

Parent Entity

2008
$

2007

$        

2008
$

2007
$

Note 21 - Cash flow information

(a) Reconciliation of cash

Cash at the end of the financial year as shown in 
the  cash flow statement is reconciled to the 
related items in the balance sheet as follows:

Cash on hand
Cash at bank
Deposits at call

300
222,476
2,329,462
2,552,238

300
32,114
1,640,050
1,672,464

300
4,793
1,043,996
1,049,089

300
3,165
640,060
643,525

(b) Reconciliation of cash flow from operations 
with net profit from ordinary activities after income 
tax expense

Net profit from ordinary activities after income tax 
expense

Non-cash flows in operating profit

Depreciation
Provisions
(Profit) loss on sale of property, plant & equipment
(Profit) loss on sale of investment
Share options expensed
Staff bonus paid in shares

Changes in assets and liabilities

(Increase) decrease in trade & other receivables
(Increase) decrease in prepayments & other assets
(Increase) decrease in deferred  tax assets
Increase (decrease) in trade & other payables
Increase (decrease) in current tax liability
Increase (decrease) in deferred tax liability

1,651,790

1,819,177

949,194

1,705,752

285,736
137,111
13,125
-
176,266
15,885

225,320
107,797
9,442
11,178
96,607
20,949

285,736
137,111
13,125
-
176,266
15,885

225,320
107,797
9,442
11,178
96,607
20,949

( 324,337)
( 64,846)
( 79,256)
441,661
( 168,605)
-

( 448,190)
( 43,936)
( 79,178)
354,513
( 76,701)
-

28,531
( 41,970)
( 78,495)
186,191
( 63,643)
2,389

( 236,395)
( 68,032)
( 81,989)
461,987
( 176,585)
( 1,989)

Net cash provided by (used in) operating activities

2,084,530

1,996,978

1,610,320

2,074,042

(c) Non-cash financing and investing activities

Shares in Australian Ethical Investment Limited, to the value of $15,885 (2007: $20,949) were issued in lieu of
staff bonus.

AUSTRALIAN ETHICAL INVESTMENT LTD

36 46

                   
                
         
         
       
     
            
    
            
            
              
                        
            
              
              
            
                
         
Australian Ethical Investment Limited A.B.N. 47 003 188 930 and controlled entity

Notes to the financial statements for the year ended 30 June 2008

Consolidated Entity

Parent Entity

2008
$

2007

$        

2008
$

2007
$

Note 22 – Related party transactions

Australian Ethical Investment Limited is the ultimate parent entity and owns 100% of Australian Ethical 
Superannuation Pty Ltd.

Australian Ethical Investment Limited acts as the Responsible Entity for the Australian Ethical Trusts
(Australian Ethical Balanced Trust, Australian Ethical Equities Trust, Australian Ethical Income Trust,
Australian Ethical Large Companies Share Trust, Australian Ethical International Equities Trust and
Australian Ethical World Trust).

Australian Ethical Superannuation Pty Ltd acts as trustee for the Australian Ethical Retail Superannuation Fund.

Transactions between related parties are on commercial terms and conditions no more favourable than
those available to other parties unless otherwise stated.

Australian Ethical Superannuation Pty Ltd
a) Transactions between Australian Ethical Investment Limited and its wholly owned entity, Australian Ethical 
    Superannuation Pty Ltd during the financial year consisted of:

(i) Transactions whereby Australian Ethical 
Investment Limited provides management services 
to the wholly owned entity on a cost recovery basis

(ii) Transactions between Australian Ethical 
Investment Limited and its wholly owned entity 
under the tax consolidation and related tax sharing 
agreement referred to in note 1(b).

(iii) Transactions whereby Australian Ethical 
Investment Limited collects management fee 
income on behalf of wholly owned entity and on-
pays this management fee income to the wholly 
owned entity on a monthly basis.

(iv) Transactions whereby Australian Ethical 
Investment Limited receives a dividend from the 
wholly owned entity referred to in note 3.

b) Outstanding balances at balance date:

Amounts receivable from wholly owned entity:
Management services
Taxation

Amounts payable to wholly owned entity:
Management fee income

-

-

-

-

-
-

-

-

-

-

-

-
-

-

3,563,238

2,752,622

515,420

452,641

5,580,164

4,521,499

500,000

942,248

-
119,045

-
224,006

448,051

461,865

37 47 

AUSTRALIAN ETHICAL INVESTMENT LTD

                      
                     
         
    
                      
                     
            
       
                      
                     
         
    
                      
                     
            
       
                        
            
            
Australian Ethical Investment Limited A.B.N. 47 003 188 930 and controlled entity

Notes to the financial statements for the year ended 30 June 2008

Consolidated Entity

Parent Entity

2008
$

2007

$        

2008
$

2007
$

Note 22 – Related party transactions - continued

Australian Ethical Trusts
a) Transactions between Australian Ethical Investment Limited, as Responsible Entity, and the Australian 
   Ethical Trusts during the financial year consisted of:

(i) Transactions whereby Australian Ethical 
Investment Limited provides investment services 
to the Australian Ethical Trusts in accordance with 
the Trust Deed.
- Australian Ethical Balanced Trust
- Australian Ethical Equities Trust
- Australian Ethical Income Trust
- Australian Ethical Large Companies Shares Trust
- Australian Ethical International Equities Trust
- Australian Ethical World Trust

(ii) Transactions whereby Australian Ethical 
Investment Limited provides accounting services 
to the Australian Ethical Trusts in accordance with 
the Trust Deed.
- Australian Ethical Balanced Trust
- Australian Ethical Equities Trust
- Australian Ethical Income Trust
- Australian Ethical Large Companies Shares Trust
- Australian Ethical International Equities Trust
- Australian Ethical World Trust

(iii) Transactions whereby Australian Ethical 
Investment Limited seeks expense reimbursement 
from  the Australian Ethical Trusts in accordance 
with the Trust Deed.
- Australian Ethical Balanced Trust
- Australian Ethical Equities Trust
- Australian Ethical Income Trust
- Australian Ethical Large Companies Shares Trust
- Australian Ethical International Equities Trust
- Australian Ethical World Trust

(iv) Transaction whereby Australian Ethical 
Investment Limited received a distribution payment 
from the Australian Ethical Balanced Trust

b) Outstanding balances at balance date:

4,085,481
3,612,192
280,875
2,578,524
353,350
27,055

3,980,112
3,062,362
242,336
2,309,552
11,081
-

4,085,481
3,612,192
280,875
2,578,524
353,350
27,055

3,980,112
3,062,362
242,336
2,309,552
11,081
-

155,976
123,000
49,074
77,646
56,112
21,576

109,596
87,684
39,468
61,392
-
-

155,976
123,000
49,074
77,646
56,112
21,576

109,596
87,684
39,468
61,392
-
-

54,023
57,610
4,717
46,028
376
5,442

53,633
51,031
4,077
43,916
14
-

54,023
57,610
4,717
46,028
376
5,442

53,633
51,031
4,077
43,916
14
-

7,311

6,237

7,311

6,237

AUSTRALIAN ETHICAL INVESTMENT LTD

38 48

         
         
            
         
            
              
            
            
              
              
              
              
              
              
                
              
                   
                
              
             
                
           
Australian Ethical Investment Limited A.B.N. 47 003 188 930 and controlled entity

Notes to the financial statements for the year ended 30 June 2008

Consolidated Entity

Parent Entity

2008
$

2007

$        

2008
$

2007
$

Note 22 – Related party transactions - continued

Amounts receivable from the Australian Ethical 
Trusts in relation to investment services, 
accounting services and reimbursable expenses:
- Australian Ethical Balanced Trust
- Australian Ethical Equities Trust
- Australian Ethical Income Trust
- Australian Ethical Large Companies Shares Trust
- Australian Ethical International Equities Trust
- Australian Ethical World Trust

Value of units held by Australian Ethical 
Investment Limited in the Australian Ethical 
Balanced Trust
Distribution receivable from AEBT

Australian Ethical Retail Superannuation Fund
a) Transactions between the Consolidated entity 
and the Australian Ethical Retail Superannuation 
Fund during the financial year consisted of:

(i) Transactions between Australian Ethical 
Superannuation Pty Limited and the Australian 
Ethical Retail Superannuation Fund related to 
investment services/ (rebate of investment 
services).

Outstanding balances at balance date:

Amounts receivable from/ (payable to ) the 
Australian Ethical Retail Superannuation Fund:
Investment services/ (rebate of investment 
services fee).

358,820
338,548
31,780
218,099
48,120
5,386

412,430
354,366
27,400
258,332
12,204
-

358,820
338,548
31,780
218,099
48,120
5,386

412,430
354,366
27,400
258,332
12,204
-

348,891
7,400

404,626
26,591

349,891
7,400

404,626
26,591

30,175

( 26,978)

21,284

( 1,465)

-

-

-

-

Terms and conditions
No provision for doubtful debts have been raised in relation to any outstanding balances and no expense has 
been recognised in respect of bad or doubtful debts due from related parties.

Outstanding balances are unsecured and are repayable in cash.

39 49 

AUSTRALIAN ETHICAL INVESTMENT LTD

            
            
              
            
              
                
          
         
            
       
                
            
                        
                   
            
                        
                   
AUSTRALIAN ETHICAL INVESTMENT LIMITED A.B.N. 47 003 188 930 AND CONTROLLED ENTITY

Notes to the financial statements for the year ended 30 June 2008

Note 23 - Key management personnel compensation

a) Key management personnel 
Names and positions of key management personnel (directors and named executives) at any time during the financial year

Parent entity directors
Name

Pauline Vamos 
Caroline Le Couteur
James Thier 
Howard Pender
Naomi Edwards
Justine Hickey
Anne O Donnell

Position

Chairperson, non-executive 
Director, executive
Director, executive
Director, executive
Chairperson, non-executive 
Director, non-executive
Managing Director ,executive

Other key management personnel
Name
David Ferris
Gary Leckie
Tim XIrakis
Philip George
Paul Harding Davis

Position
Investment manager  
Chief financial officer
Finance Investment Manager
Company secretary / legal counsel
Head of Distribution

b) Key management personnel compensation

Resigned 31 August 2007

Appointed 29 May 2008

Resigned 28 March 2008

Short term employment benefits
Post-employment benefits
Other long-term benefits
Termination benefits
Share-based payments
Total compensation

Economic Entity

2008
$

2007
$

1,569,475
131,619
29,635
-
142,670
1,873,399

1,355,800
106,073
24,593
-
73,960
1,560,426

Parent Entity
2008
$

2007
$

1,474,892
123,519
29,635
-
142,670
1,770,716

1,264,631
98,873
24,593
-
73,960
1,462,057

Further key management personnel remuneration details are included in the Remuneration Report section of the Directors' Report.

c) Equity instrument disclosures relating to key management personne

Option Holdings
Number of options held by key management personnel.

Granted
as
Remun-
eration 

Balance
01.07.07

Options
Exercised

Net
Change
Other

Balance
30.06.08

Total
Vested
30.06.08

Total
Exer-
cisable
30.06.08

Total
Unexer-
cisable
30.06.08

Parent Entity Directors

Caroline Le Couteur
James Thier
Howard Pender
Naomi Edwards
Pauline Vamos
Justine Hickey
Anne O'Donnell

6,666
5,290
3,261
-
-
-
8,780

1,791
1,517
1,513
-
-
-
3,025

Named executives (including other key management personnel

David Ferris
Philip George
Ruth Medd
Gary Leckie
Tim Xirakis
Paul Harding Davis
Total

7,410
3,906
-
4,105
1,387
-
40,805

2,426
2,469
-
1,767
1,776
-
16,284

( 2,513)
( 2,058)
( 861)
-
-
-
( 2,865)

( 2,551)
-
-
( 1,275)
-
-
( 12,123)

-
-
-
-
-
-
-

( 7,285)
-
-
-
-
-
( 7,285)

5,944
4,749
3,913
-
-
-
8,940
-
-
-
-
6,375
-
4,597
3,163
-
37,681

-
-
-
-
-
-
-

-
-
-
-
-
-
-

-
-
-
-
-
-
-

-
-
-
-
-
-
-

5,944
4,749
3,913
-
-
-
8,940

-
6,375
-
4,597
3,163
-
37,681

AUSTRALIAN ETHICAL INVESTMENT LTD

5050

40

             
         
     
                
            
          
                  
              
          
                        
                    
                
              
          
             
          
                    
                  
                      
                    
                   
         
          
                    
                  
                      
                    
                   
         
          
                    
                  
                      
                    
                   
         
                  
                            
                        
                  
                             
                    
                   
                
                  
                            
                        
                  
                             
                    
                   
                
                  
                            
                        
                  
                             
                    
                   
                
          
                    
                  
                      
                    
                   
         
                             
                             
                             
          
                    
                             
                    
                   
                
          
                    
                        
                  
                      
                    
                   
         
                  
                            
                        
                  
                             
                    
                   
                
          
                    
                  
                      
                    
                   
         
          
                    
                        
                  
                      
                    
                   
         
                  
                            
                        
                  
                             
                    
                   
                
       
                  
                  
                   
                   
       
AUSTRALIAN ETHICAL INVESTMENT LIMITED A.B.N. 47 003 188 930 AND CONTROLLED ENTITY

Notes to the financial statements for the year ended 30 June 2008

Note 23 - Key management personnel compensation - continued

Shareholdings
Number of Shares held by key management personnel.

Share in
lieu of
Cash
Bonus

Options
Exercised/
Shares
Issued (1)

Net
Change
Other (2)

Balance

30.06.08 (3)&(4)

-
-
-
-
-
-
-

-
-
-
-
-
-
-

2,513
2,058
861
-
-
-
2,865

2,551
-
-
1,275
-
-
12,123

-
5
( 783)
-
-
-
-

( 888)
6
-
( 1,275)
-
-
( 2,935)

49,436
64,218
51,743
-
-
700
8,982

7,102
381
-
-
-
-
182,562

Parent Entity Directors

Caroline Le Couteur
James Thier
Howard Pender
Naomi Edwards
Pauline Vamos
Justine Hickey
Anne O'Donnell

Balance
01.07.07

46,923
62,155
51,665
-
-
700
6,117

Named executives (including other key management personnel

David Ferris
Philip George
Ruth Medd
Gary Leckie
Tim Xirakis
Paul Harding Davis
Total

5,439
375
-
-
-
-
173,374

(1) The amount paid for shares issued on exercise of options is $16.28 in all cases.

(2) Net change other refers to shares purchased or sold during the financial year.

(3) Shares issued are fully paid

(4) Balance represents shareholdings by key management personal including their 

    related parties as required by AASB 124 Related Party Disclosures.

Note 24 - Share based payments
The following share-based payment arrangements existed at 30 June 2008:

On 21 September 2005,  43,664 share options were granted to non-probationary employees under the Australian Ethical Investment Limited employee share ownership
plan.  The options were issued for nil consideration, are not exercisable for 3 years from the date of issue, have an exercise price of $24.82 each and a 3 month window
in which to be exercised,  and in most circumstances will lapse if the holder is no longer an employee of Australian Ethical Investment Limited.  The options hold no 
voting or dividend rights.

On 22 September 2006,  45,825 share options were granted to non-probationary employees under the Australian Ethical Investment Limited employee share ownership
plan.  The options were issued for nil consideration, are not exercisable for 3 years from the date of issue, have an exercise price of $32.50 each and a 3 month window
in which to be exercised, and in most circumstances will lapse if the holder is no longer an employee of Australian Ethical Investment Limited.  The options hold no 
voting or dividend rights.

On 24 September 2007,  47,255 share options were granted to non-probationary employees under the Australian Ethical Investment Limited employee share ownership
plan.  The options were issued for nil consideration, are not exercisable for 3 years from the date of issue, have an exercise price of $57.57 each and a 3 month window
in which to be exercised, and in most circumstances will lapse if the holder is no longer an employee of Australian Ethical Investment Limited.  The options hold no 
voting or dividend rights.

On 24 September 2007,  302 ordinary shares were issued under the employee share ownership plan .  The shares carry full dividend and voting rights and are not 
transferable for a period of 3 years, or until an employee leaves the company's employment whichever first occurs (In the comparative year 703 ordinary shares, with 
the same terms, were granted on 22 September 2006).

During October 2007 Australian Ethical Investment Limited issued 7,509 new shares at an issue price of $52.28, under the company's Dividend Reinvestment Plan in 
respect of the dividend payable.

5151

AUSTRALIAN ETHICAL INVESTMENT LTD

41

        
                            
                
                  
                    
        
                            
                
                 
                    
        
                            
                   
                    
                  
                            
                        
                  
                             
                  
                            
                        
                  
                             
             
                            
                        
                  
                         
          
                            
                
                  
                      
          
                            
                
                      
             
                            
                        
                 
                         
                  
                            
                        
                  
                             
                  
                            
                
                             
                  
                            
                        
                  
                             
                  
                            
                        
                  
                             
      
                           
            
AUSTRALIAN ETHICAL INVESTMENT LIMITED A.B.N. 47 003 188 930 AND CONTROLLED ENTITY

Notes to the financial statements for the year ended 30 June 2008

Note 24 - Share based payments - continued

Outstanding at the beginning
of the financial year

Granted
Forfeited
Exercised
Expired

Outstanding at year-end

Number
of 
Options

118,995

47,255
( 14,991)
( 34,506)
-

116,753

Consolidated Entity

2008

2007

Parent Entity

2008

2007

Weighted
Average
Exercise
Price
$

Weighted
Average
Exercise
Price
$

Number
of 
Options

Number
of 
Options

Weighted
Average
Exercise
Price
$

Weighted
Average
Exercise
Price
$

Number
of 
Options

25.11

57.57
37.17
52.57

113,946

18.91

118,995

25.11

113,946

18.91

45,825
( 6,998)
( 33,778)

32.50
25.56
14.11

47,255
( 14,991)
( 34,506)

57.57
37.17
52.57

45,825
( 6,998)
( 33,778)

32.50
25.56
14.11

39.31

118,995

25.11

116,753

39.31

118,995

25.11

Exercisable at year-end

-

-

-

-

-

-

-

-

There were 34,506 options exercised during the year ended 30 June 2008.  The weighted average share price calculated as at exercise dates
of these options was $52.57.

The options outstanding at 30 June 2008 had a weighted average exercise price of $39.31 and a weighted average remaining
contractual life of 1.53 years.  Exercise prices range from $24.82  to $57.57 in respect of options outstanding at 30 June 2008

The weighted average fair value of the options granted during the year was $8.40

This price was calculated by using the Black Scholes option pricing model applying the following inputs:
Weighted average exercise price
Weighted average life of the option
Underlying share price
Expected share price volatility
Risk free interest rate

$52.00
22.50%
6.35%

3.25 years

$57.57

Included under employee benefits expense in the income statement is : 
$15,885 (2007: $20,949) relating to equity-settled share-based payment transactions for staff bonus; and
$176,266 (2007: $96,607) relating to options issued under the employee share ownership plan.

AUSTRALIAN ETHICAL INVESTMENT LTD

52

42

      
                    
            
          
                
       
         
       
                    
              
          
                  
         
         
                    
          
         
                    
          
         
                  
      
            
                
       
         
                  
                        
                
                           
                   
                   
AUSTRALIAN ETHICAL INVESTMENT LIMITED A.B.N. 47 003 188 930 AND CONTROLLED ENTITY

Notes to the financial statements for the year ended 30 June 2008

Note 25 - Financial instruments

(a) Financial risk management

The consolidated entity’s financial instruments consist of cash and cash equivalents (note 7), trade and other receivables (note 8), financial assets (note 9) and trade and other 
payables (note 13).

The main purpose of these financial instruments is to finance the consolidated entity’s operations. The consolidated entity has various other financial assets and 
liabilities such as trade receivables and trade payables, which arise directly from its operations.

(b) Interest rate risk

The consolidated entity’s exposure to interest rate risk, which is the risk that a financial instrument’s value will fluctuate as a result of changes in market interest rates and the 
effective weighted average interest rates on classes of financial assets and financial liabilities is as follows:

Weighted average
effective interest rate

2008
%

2007
                    %

Floating interest rate

2008
$

2007
$

Fixed interest
rate within 1 year
2008

2007
$                     $

7

8

6

7

2,551,938

637,572

1,672,164
-
1,815,158

-
-
1,111,202

-
-
515,272

3,189,510

3,487,322

1,111,202

515,272

-

-

-

-

-

-

-

-

Fixed interest rate
within 1 to 5 years

2008
$

2007
                    $

Non-interest bearing

Total

2008
$

2007
$

2008

2007
$                     $

-
-
94,744

94,744

-

-

-
-
158,000

300
1,812,410
-

300
1,487,185
-

2,552,238
1,812,410
1,843,518

1,672,464
1,487,185
1,988,430

158,000

1,812,710

1,487,485

6,208,166

5,148,079

-

-

2,115,330

1,681,284

2,115,330

1,681,284

2,115,330

1,681,284

2,115,330

1,681,284

Cash and cash equivalents
Trade and other receivables
Financial assets 

Total financial assets

Trade and other payables

Total financial liabilities

Cash
Trade and other receivables
Financial assets 

Total financial assets

Trade and other payables

Total financial liabilities

(c) Credit Risk

The maximum exposure to credit risk, excluding the value of any collateral or other security, at balance date to recognised financial assets is the carrying amount, net of any 
provisions for impairment of those assets, as disclosed in the balance sheet and notes to the financial statements.

Quantitative details related to financial assets is contained in note 9.

In relation to the financial asset – loan to independent entity – disclosed at note 9, the loan agreement between the parent entity and the independent entity provides for the parent 
to enforce a security over the independent entity’s assets should a default in loan payments occur.  The independent entity has not defaulted in loan payments over the six years o
the loan.

Consideration of credit risk in relation to financial assets is incorporated into the finance committee risk considerations mentioned earlier in this note.  The defined investment 
parameters governing the approval of financial asset investments incorporates a sliding scale of risk exposure as follows:

    - The maximum exposure to any one issuer is to be no greater than twenty five per cent of the portfolio;
    - Minimum amount to be held in cash, AAA securities or senior bank debt is fifty per cent of the portfolio; and
    - Minimum amount to be held in cash, AAA securities, senior bank debt, rated corporate debt or subordinated bank debt to be eighty per cent of the portfolio.

(d) Liquidity risk

The group carries no borrowing debt on the balance sheet and has sufficient reserves of cash, cash equivalents and liquid investments to assess the liquidity risk as low. The cash
position and cash flows are reviewed by the finance committee to ensure regulatory and future operational requirements are catered for.

Trade and other payables are expected to be paid as follows:

Less than 6 months
6 months to 1 year
1 to 5 years

(e) Net Fair Values

Consolidated Entity

2008
$

2007

$                      

Parent Entity
2008
$

2007
$

1,423,862
691,468
-
2,115,330

1,248,572
432,712
-
1,681,284

1,527,614
520,862
-
2,048,476

1,437,189
432,712
-
1,869,901

For other assets and other liabilities the net fair value approximates their carrying value.

53

AUSTRALIAN ETHICAL INVESTMENT LTD

43

                 
                           
   
                    
                  
                    
                 
                           
   
        
                  
                    
                   
                  
                            
             
     
                  
                            
   
     
                
                  
     
                
                  
                            
   
     
                  
             
         
     
                
            
        
                        
                    
             
AUSTRALIAN ETHICAL INVESTMENT LIMITED A.B.N. 47 003 188 930 AND CONTROLLED ENTITY

Notes to the financial statements for the year ended 30 June 2008

Note 25 - Financial risk management - continued

(f) Sensitivity analysis

The group has performed a sensitivity analysis relating to its exposure to interest rate risk.  This sensitivity analysis demonstrates the effect on the current year results and equity 
which could result from a change in the interest rate (all other variables remaining constant).  The sensitivity analysis is based only on cash and investments subject to a floating 
interest rate.

Change in profit
 - Increase in interest rate by 2%
 - Decrease in interest rate by 2%

Change in equity
 - Increase in interest rate by 2%
 - Decrease in interest rate by 2%

Note 26 - Change in accounting policy

Consolidated Entity

2008
$

63,790
(63,790)

2007

$                      

59,746
(59,746)

Parent Entity
2008
$

2007
$

33,733
(33,733)

39,174
(39,174)

63,790
(63,790)

59,746
(59,746)

33,733
(33,733)

39,174
(39,174)

The following Australian Accounting Standards issued or amended, which are applicable to Australian Ethical 
Investment Limited, but are not yet effective and have not been adopted in preparation of the financial statements 
statements at reporting date are:

AASB
Amendment

2007-3

B Standard Affected

AASB 107: Cash Flow Statements
AASB 119: Employee Benefits
AASB 127: Consolidated and Separate Financial
                 Statements
AASB 134: Interim Financial Reporting
AASB 136: Impairment of Assets

New Standard

AASB 8: Operating Segments

2007-8

AASB 101: Presentation of Financial Statements

Nature of Change in
Accounting Policy
and Impact

Application Application
Date of the Date of the
Company
Standard

1-Jan-09
1-Jan-09
1-Jan-09

1-Jul-09
1-Jul-09
1-Jul-09

1-Jan-09
1-Jan-09

1-Jul-09
1-Jul-09

1-Jan-09

1-Jul-09

1-Jan-09

1-Jul-09

These amendments are 
necessitated by the issuance of
AASB 8 Operating Segments. 
The amendments are mainly to
ensure that terminology and
references related to AASB 8 
are updated in the standards
affected and there will be little
impact on future financial
reports.  There will be 
changes to segment information
(more comprehensive) in the 
interim financial report.

The group will provide more
comprehensive explicit
information related to its
investment management segment
and its superannuation segment 
per the new standard.  This
information is implicit with this
current financial report.

The revised AASB 101:
Presentation of Financial
Statements issued in September
2007 requires the presentation of
a statement of comprehensive
income and makes changes to the 
statement of changes in equity

AASB 101

AASB 101: Presentation of Financial Statements

As above

1-Jan-09

1-Jul-09

2008-1

AASB 2: Share Based Payments

1-Jan-09

1-Jul-09

These amendments clarify that 
vesting conditions comprise service 
conditions and performance conditions 
only and that other features of a 
share-based payment transaction are 
not vesting conditions. They also 
specify that all cancellations, whether 
by the entity or by other parties, should 
the same accounting treatment.
No impact on future financial reports.

AUSTRALIAN ETHICAL INVESTMENT LTD

54

44

                  
              
          
                  
              
          
AUSTRALIAN ETHICAL INVESTMENT LIMITED A.B.N. 47 003 188 930 AND CONTROLLED ENTITY

DIRECTORS' DECLARATION

The Directors of Austalian Ethical Investment Limited declare that:

1.    the financial statements and notes, as set out on pages 17 to 44 and the additional disclosures 
      the directors' report designated as audited are in accordance with the Corporations Act 2001:

27     54

(a)   comply with accounting standards and the Corporations Regulations 2001; and

(b)   give a true and fair view of the financial position as at 30 June 2008 and of the performance for 
       year ended on that date of the company and consolidated entity;

2.    the Chief Executive Officer and Chief Finance Officer have each 
declared that:

(a)   the financial records of the company for the financial year have been properly maintained in 
      section 286 of the Corporations Act 2001;

(b)   the financial statements and notes for the financial year comply with the Accounting Standards; 

(c)   the financial statements and notes for the financial year give a true and fair view.

3.    in the directors’ opinion there are reasonable grounds to believe that the company will be able 
      debts as and when they become due and payable.

This declaration is made in accordance with a resolution of the Board of Directors.

Director

Dated this 26 September 2008

55

AUSTRALIAN ETHICAL INVESTMENT LTD

45

Australian Ethical Investment Limited A.B.N. 47 003 188 930 and controlled entity

INDEPENDENT AUDITOR'S REPORT TO THE MEMBERS OF

AUSTRALIAN ETHICAL INVESTMENT LIMITED

Report on the Financial Report

We have audited the accompanying financial report of Australian Ethical Investment Limited (the
company) and Australian Ethical Investment Limited and controlled entity (the consolidated entity),
which comprises the balance sheet as at 30 June 2008, and the income statement, statement of
changes in equity and cash flow statement for the year ended on that date, a summary of significant
accounting policies and other explanatory notes and the directors' declaration of the consolidated
entity comprising the Company and the entity it controlled at the year's end or from to time during the
financial year.

Directors' Responsibility for the Financial Report

The Directors of the Company are responsible for the preparation and fair presentation of the
financial report
in accordance with Australian Accounting Standards (including the Australian
Accounting Interpretations) and the Corporations Act 2001. This responsibility includes establishing
and maintaining internal controls relevant to the preparation and fair presentation of the financial
report that is free from material misstatement, whether due to fraud or error; selecting and applying
appropriate accounting policies; and making accounting estimates that are reasonable in the
In Note 1, the directors also state, in accordance with Accounting Standard AASB
circumstances.
101: Presentation of Financial Statements,
that compliance with the Australian equivalents to
International Financial Reporting Standards ensures that the financial report, comprising the financial
statements and notes, complies with International Financial Reporting Standards.

Auditor's Responsibility

Our responsibility is to express an opinion on the financial report based on our audit. We conducted
our audit in accordance with Australian Auditing Standards. These Auditing Standards require that
we comply with relevant ethical requirements relating to audit engagements and plan and perform
the audit
is free from material
misstatement.

to obtain reasonable assurance whether the financial report

In making those risk assessments,

An audit involves performing procedures to obtain audit evidence about the amounts and disclosures
in the financial report. The procedures selected depend on the auditor's judgment, including the
assessment of the risks of material misstatement of the financial report, whether due to fraud or
error.
the auditor considers internal control relevant to the
entity's preparation and fair presentation of the financial report in order to design audit procedures
that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the
effectiveness of the entity's internal control. An audit also includes evaluating the appropriateness of
accounting policies used and the reasonableness of accounting estimates made by the directors, as
well as evaluating the overall presentation of the financial report.

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

AUSTRALIAN ETHICAL INVESTMENT LTD

4656

Australian Ethical Investment Limited A.B.N. 47 003 188 930 and controlled entity

Independence

In conducting our audit, we have complied with the independence requirements of the Corporations 
Act 2001

Auditor's Opinion

In our opinion:

(a)     the financial report of Australian Ethical Investment Limited and Australian Ethical Investment
         Limited and Controlled Entity is in accordance with the Corporations Act 2001, including:

      (i)     giving a true and fair view of the Company's and Consolidated Entity's financial position
              as at 30 June, 2008 and of their performance for the year ended on that date; and

      (ii)     complying with Australian Accounting Standards (including the Australian Accounting
               Interpretations) and the Corporations Regulations 2001.

(b)     the financial report also complies with International Financial Reporting Standards as 
         as disclosed in Note 1.

Report on the Remuneration Report

We have audited the Remuneration Report included in (pages 7 to 14) of the directors' report for the
year ended 30 June, 2008. The directors of the Company are responsible for the preparation and
presentation of the Remuneration Report in accordance with section 300A of the Corporations Act
2001. Our responsibility is to express an opinion on the Remuneration Report, based on our audit
conducted in accordance with Australian Auditing Standards.

18 to 25

Auditor's Opinion

In our opinion the Remuneration Report of Australian Ethical Investment Limited for the year ended
30 June 2008, complies with section 300A of the Corporations Act 2001.

THOMAS DAVIS & CO.

P.L. WHITEMAN

PARTNER

Chartered Accountants

SYDNEY,

26 September, 2008

Liability limited by a scheme approved under Professional Standards Legislation

57

47

AUSTRALIAN ETHICAL INVESTMENT LTD

Shareholder information

The shareholder information set out below was current as at 
24 September 2008.

Twenty largest shareholders

Ordinary shares

Name

SMF Funds 
Management Ltd

Mr Howard  
Pender

%

Number 
of ordinary 
shares

Substantial 
shareholders

194,021

19.70% Yes

49,821

5.06%

Yes

James Andrew Thier 49,767

49,436

5.05%

5.02%

Yes

Yes

Caroline Margaret 
Le Couteur

Mr Trevor Roland 
Lee

Mrs Judith Margaret 
Burton

Ms Judith Ingrouille 
Ajani

Mr Bruce Allan Mc-
Gregor & Mrs Ann 
Marion McGregor

Gang - Gang Pty 
Ltd  

HB Sarjeant & assoc 
Pty Ltd  

Dr Edward Arthur 
Iceton 

Daisy Thier

Denholm Invest-
ments Pty Ltd

Mr Peter Alexander 
Anderson

Mr Philip Julian 
Eriksen & Mr Julian 
Hans Erkisen 

Mr Michel Beuchat 
& Mrs Ann Beuchat

Ms Anne  Maree 
O’Donnell

Ms Susie Edwards

Est Mrs Hanneliese 
Claire Graf

Mr Rodney Matthew 
Myer

36,933

3.75%

33,683

3.42%

24,662

2.50%

24,447

2.48%

23,310

2.37%

19,142

1.94%

16,500

1.68%

14,479

13,690

1.47%

1.39%

10,833

1.10%

10,562

1.07%

9,667

0.98%

9,150

0.93%

7,941

7,347

0.81%

0.75%

7,332

0.74%

Substantial shareholders 
Substantial shareholders of ordinary shares are specified in 
the table of the top twenty shareholders set out right.

Voting rights

Ordinary shares 
The voting rights attaching to ordinary shares are fully set 
out in the company’s Constitution. In brief, at meetings of 
members each member entitled to vote may vote in person 
or by proxy or attorney, and: 

•

•

on a show of hands has 1 vote; and 

on a poll has 1 vote for every share held.

Options 
No voting rights attach to any options on issue.

Distribution of shareholdings

Ordinary shares

Range

1 – 1,000

1,001 – 5,000

5,001 – 10,000

10,001 – 100,000

100,000 – over

Totals

Non-marketable parcel

Holders

Units

%

692

173,855

17.656

79

9

16

1

797

15

173,120

17.582

66,407

6.744

429,357

43.604

141,924

14.413

984,663

100.000

141

Options issued under the Employee Options 
Scheme

Range

1 – 1,000

1,001 – 5,000

5,001 – 10,000

10,001 – 100,000

100,000 – over

Totals

Holders

9

27

4

0

0

Units

4,939

%

4.322

81,740

71.530

27,595

24.148

0

0

0.000

0.000

40

114,274

100.000

AUSTRALIAN ETHICAL INVESTMENT LTD

58

 
Corporate directory

Australian Ethical Investment Ltd 
ABN 47 003 188 930

Company secretary 
Philip George 
Telephone:  02 6201 1994 
Facsimile: 
02 6201 1987 
Email:  pgeorge@austethical.com.au

Postal address 
GPO Box 2435 
Canberra ACT 2601
Registered office / place of business

Trevor Pearcey House (Block E) 
Traeger Court 
34 Thynne Street  
Bruce  ACT  2617

www.austethical.com.au

Share registry

Registries Limited 
ABN 14 003 209 836

Street:  Level 2, 28 Margaret Street 
Sydney NSW 2000

Telephone: 
Facsimile: 
Mail: 

02 9290 9600 
02 9279 0664 

PO Box R67 
Royal Exchange 
Sydney NSW 1223 
registries@registriesltd.com.au

Email: 

www.registriesltd.com.au

Using the Registries Ltd website, shareholders are able to 
view balances, transaction history and recent dividend 
payments. They can also view and update email addresses, 
annual report elections and tax file numbers. Various forms 
are also available for download to assist in the management 
of shareholdings.

Stock exchange listing 
Australian Securities Exchange ASX code:  
AEF

Corporate vision and mission

Australian Ethical’s vision

•

to conduct our own operations in accord with the items of 
the Australian Ethical Charter, in particular we seek to:

By its operations Australian Ethical will promote a sea-
change in community-wide practice such that all investment 
will be undertaken with an ethical purpose as well as in 
pursuit of competitive return for chosen risk.
Australian Ethical’s mission

Australian Ethical’s mission is to provide those investors 
who share our social and environmental aims (as set out in 
our charter) with the means to earn a competitive return for 
chosen risk whilst at the same time contributing to a just and 
sustainable human society and the protection of the natural 
environment.

In order to fulfil our mission our goals are:

•

•

to select every investment with which we are involved in 
accord with the Australian Ethical Charter;

to earn a competitive return for the chosen level of risk 
upon every portfolio with which we are involved;

•

•

•

•

•

nurture staff participation and control of Australian 
Ethical;

achieve a high standard of administrative service for 
investors in our products;

ameliorate wasteful or polluting practices in our own 
business operations;

envourage, care for and provide educational 
opportunity for our fellow workers, respect their 
individual needs, aspirations and idiosyncrasies;

and ensure our promotional material is comprehensive, 
transparent and readily understood.

•

to generate and disseminate information regarding 
standards of corporate behaviour and to engage in 
dialogue with the corporate sector in terms of the items 
set out in the Australian Ethical Charter.

AUSTRALIAN ETHICAL INVESTMENT LTD

 
 
 
 
AUSTRALIAN ETHICAL INVESTMENT LTD

australianethical
investment + superannuation

R