Quarterlytics / Financial Services / Insurance - Life / Citizens, Inc. / FY2019 Annual Report

Citizens, Inc.
Annual Report 2019

CIA · NYSE Financial Services
Claim this profile
Ticker CIA
Exchange NYSE
Sector Financial Services
Industry Insurance - Life
Employees 247
← All annual reports
FY2019 Annual Report · Citizens, Inc.
Loading PDF…
Annual Report 

For the Year Ended March 31, 2019 

 TSX: CIA - ASX: CIA 

As at June 20, 2019 

 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
About Champion Iron and its Values 

About Champion 

Champion Iron Limited is an independent Australia company producing and exporting high-grade iron ore concentrate from its key asset, the 
Bloom Lake Mine, a long-life, large-scale open pit operation located in northern Quebec, Canada approximately 300 km north of Sept-Iles and 13 
km by road from the town of Fermont. The Company declared commercial production at the Bloom Lake Mine as of June 30, 2018. As at March 
31, 2019, Champion owned a 63.2% beneficial interest in its subsidiary, Quebec Iron Ore Inc. (“QIO”) while Ressources Québec (“RQ”), a subsidiary 
of governmental agency Investissement Québec, was the owner of the remaining 36.8% share. The Bloom Lake Mine assets are held in QIO. On 
May  29,  2019,  the  Company  announced  a  transaction  to  acquire  RQ’s  36.8%  equity  interest  in  QIO.  For  more  information  on  the  proposed 
transaction, please refer to the Company’s press release dated May 29, 2019, available on SEDAR at www.sedar.com. 

Champion’s values 

Pride 

Develop a collective sense of belonging in all spheres of iron ore mining. 

Ingenuity 

Leverage employee creativity and expertise to achieve and maintain efficient practices aimed at operational excellence. 

Respect 

Respect for people, resources, the environment, safety standards, partnerships and equipment. 

Transparency 

Promote transparent communications through active listening and open dialogue. 

2 | P a g e  

 
 
 
 
 
 
Champion Iron Limited 
Highlights 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

FY2019 HIGHLIGHTS 

•  Revenue of $655m 1 

•  EBITDA of $278m (FY 2018: loss of $80m) 

•  Average realized price of $91.9/dmt after sea freight costs1 

•  Total cash cost of $49.4/dmt1 

•  All-in sustaining cost of $55.8/dmt1 

•  Cash on hand of $153m (FY 2018: $25m) 

•  Record concentrate sold for the Bloom Lake Mine of 7,127,000 dmt1 

1 The Company shipped its first vessel of high-grade iron ore concentrate on April 1, 2018 and as such did not have revenues for the FY 2018 nor did it incurred producing costs. 

3 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
 
                                                           
Champion Iron Limited 
Chairman’s Report 

Chairman’s report 

June 20, 2019 
To the shareholders, 

In June 2018, we declared commercial production at our flagship Bloom Lake Mine and, subsequently, our Company has become the largest 
publicly listed, pure-play producer of high-grade iron ore globally. Our results have strengthened the vision behind our countercyclical acquisition 
of Bloom Lake in 2016, after iron ore prices declined to a decade low, leaving this former-producer dormant near the town of Fermont, in north-
eastern Quebec. As Champion’s long-term vision mobilized a team of talented individuals, we were able to reposition this asset on the global 
cost curve. Today, we are proud to report strong earnings from our first year of operations, with Bloom Lake demonstrating that it is a low-cost, 
sustainable producer of high-grade iron ore concentrate, located in a superior mining jurisdiction.  

Looking ahead, I am encouraged by the opportunities in front of us. The Company has an enviable portfolio of world-class assets with substantial 
reserves and a solid pipeline of growth projects, most notably our Phase II expansion at Bloom Lake whereby we recently released the robust 
findings of a Feasibility Study which demonstrates the viability to more than double production from 7.4 Mtpa to 15 Mpta of high-grade iron ore 
concentrate.  This  growth  opportunity  comes  at  an  ideal  time  as  the  global  dynamics  of  iron  ore  are  changing  rapidly,  in  particular  with  the 
demand for high-grade material. Recent tragic events in Brazil with Vale have triggered substantial price increases for iron ore and the resulting 
production shortfall is expected to impact global supply for the short to medium term. Against the backdrop of shifting market dynamics, our 
high-grade iron ore is well aligned to benefit from this shift, especially in Asia where steel makers are focused on more complex steel products, 
in addition to China’s increased focus on reducing emissions in the steel-making process. Such dynamics are positively impacting the realized 
price of our high-grade material and we expect this environment to continue in the foreseeable future. The upward trend in demand for our 
product, following our ramp-up at Bloom Lake, resulted in sales to 12 different global customers as we successfully concluded our first year of 
operations.   

Since our first quarter of operation, Champion has proven its ability to produce iron ore profitably and now enjoys a healthy operating margin of 
$49/dmt  as  reported  in  our  fourth  quarter  which  ended  on  March 31, 2019,  resulting  in  net  income  of  $147.6  million  from  $655.1  million  in 
revenues. Given this position of strength, our Company strengthened its balance sheet with a major capital restructuring in May of this year when 
we announced a new long-term financing agreement with Caisse de dépôt et placement du Québec for proceeds of  C$185 million in addition to 
a  commitment  for  a  fully  underwritten  US$200  million  credit  facility  with  the  Bank  of  Nova  Scotia  and  Societe  Generale.  The  foregoing  will 
substantially reduce our cost of debt as we retire the financial instruments we undertook in 2017 to fund the recommissioning of Bloom Lake. 
Concurrently with the foregoing investment and refinancing, Champion also announced the acquisition of the remaining 36.8% equity minority 
interest in the subsidiary that owns Bloom Lake, which is held by Ressources Québec (acting as a mandatary of the Government of Quebec), 
following which our Company increases its stake in Bloom Lake to 100%. By agreeing to pay a total cash consideration of $211 million for RQ’s 
interest  in  Bloom  Lake,  Champion  is  grateful  to  be  able  to  deliver  RQ  an  excellent  return  for  their  early-stage  investment  and  we  thank  the 
Government  of  Quebec  for  believing  in  the  project  when  capital  was  scarce,  highlighting  the  fact  that  we  are  very  fortunate  to  operate  in  a 
jurisdiction with such support.  

As the Phase II Feasibility Study demonstrates, the Company is at an exciting stage as it prepares to benefit from and utilize the substantial 
capital invested by Bloom Lake’s former owner to double the capacity of the mine. Champion continues to adhere to its strategy of building a 
long-term sustainable mining company and believes that this growth opportunity, together with strong capital management, demonstrate our 
commitment to accretive growth for our shareholders. Our Board of Directors has approved a preliminary budget to fund the long lead items 
required for Bloom Lake’s Phase II expansion and further communication regarding this growth initiative will be provided in the coming months.  

In  tandem  with  our  strategy  for  growth  and  expansion,  we  hold  fast  to  our  Company’s  foundational  values  of  ingenuity,  respect,  pride  and 
transparency. Our deep commitment to sustainability has resulted in investments to significantly reduce our greenhouse gas emissions by over 
33,000 t/yr, representing a reduction equivalent to the removal of over 12 million liters of diesel. The strength of our Company’s values also 
transpires  in  our  work  to  maintain  and  build  relationships  with  First  Nations,  support  thriving  communities  and  advocate  for  important 
environmental initiatives.  

4 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Chairman’s Report 

On  April  1,  2019,  we  announced  the  promotion  of  David  Cataford  as  our  Company’s  new  Chief  Executive  Officer.  David  was  most  recently 
Champion’s COO, having worked with our Company since 2014. He was instrumental in all facets of the acquisition and eventual recommissioning 
of Bloom Lake, where he brought intimate knowledge of the asset, as well as the surrounding dynamics of the Labrador Trough. Supporting this 
transition, our Company has built a culture that attracts top talent and provides individuals with a platform to succeed. We recently added several 
senior  management  roles  to  further  support  our  activities  and  enable  our  team  to  effectively  address  all  the  inherent  risks  and  incredible 
opportunities related to our business.  

In closing, I would like to thank our partners and stakeholders who have joined our vision to recommission Bloom Lake and transform Champion 
into an emerging leader in the mining industry. I also acknowledge and am grateful for the efforts and contributions of all our employees and 
staff and the traditional owners of the land and local inhabitants for their continuing support of Champion’s activities. 

Sincerely, 

[s] Michael O’Keeffe 

Michael O’Keeffe 
Executive Chairman 

5 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Report on Operations 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

Report on Operations 

Champion’s report on operations should be read in conjunction with the Directors’ Report and the Financial Statements. 

Champion’s strategy 

Further to announcement made on May 29, 2019 to acquire the minority interest of 36.8% in its flagship asset, the Bloom Lake Mine, the Company 
continues to focus on improving the Bloom Lake mine and pursue organic growth opportunities with the recent completion of positive feasibility 
study in connection with the proposed Bloom Lake Phase II expansion project which aims at doubling the mine’s annual production. In addition, 
through  its  wholly-owned  subsidiary  Champion  Iron  Mines  Limited  (CIML),  the  Company  owns  interests  in  9  properties  (each  a  “Property”), 
covering approximately 752 square kilometres (collectively, the “Fermont Holdings”) located in the Fermont Iron Ore District of northeastern 
Quebec. The Company also owns 100% of the Gullbridge-Powderhorn property located in Northern Central Newfoundland. 

Revenues 

The  Company  entered  pre-commercial  production  on  April  1,  2018  with  the  shipment  of  its  first  vessel  to  China  and  declared  commercial 
production on June 30, 2018. As a result, there are no comparative figures for the same periods the year prior. During its first year of operations, 
the Company sold 7.1 million tonnes of high-grade iron ore concentrate establishing a production record for the Bloom Lake Mine. The average 
gross realized price of the 66.2% iron ore concentrate was US$93.4/dmt for the period. Deducting an average freight cost of US$23.4/dmt to 
ship its concentrate from Sept-Iles, Quebec, to its customers located in China, Europe, Japan and the Middle East, the Company net realized FOB 
price was US$70/dmt or CA$91.9/dmt. As a result, Champion’s revenue for the fiscal year end 2019 totalled $655 million.   

6 | P a g e  

 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Report on Operations 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

Operations 

The Company re-commissioned the Bloom Lake Mine in mid-February 2018 and shipped its first vessel on April 1, 2018. On June 30, 2018, the 
Company declared Commercial Production and reached nameplate capacity during the second quarter of fiscal year end 2019. During the period, 
the  average  total  cash  cost  totalled  $49.4/dmt  and  the  all-in  sustaining  cost  totalled  $55.8/dmt,  resulting  in  a  cash  operating  margin  of 
$36.1/dmt. 

Average Net Selling Price (FOB) 

As a result of its operational performance, the Company realized an EBITDA for its first year of operations of $278 million. Since the Company 
made the final drawdowns on its long-term debt at the end of the second quarter of fiscal year end 2019, the Company strengthen its balance 
sheet. Considering the long-term debt face value, the Company reduced its net debt from $213 million at the end of September 2018 to $122 
million at the end of March 2019. 

7 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Report on Operations 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

Exploration Activities 

In addition to the 63.2% interest in the Bloom Lake property, Champion has a 100% interest in the 752 km2 Fermont property located in the 
Labrador  Trough and a  100% interest in the Gullbridge-Powderhorn property  (“Powderhorn”)  in Northern  Central Newfoundland. This 63  km2 
property is host to several Copper (Cu) and Zinc (Zn) showings and is at  an early exploration stage. The  exploration  program at Powderhorn 
targets the same volcanic units that host the Buchans Mine, located 60 km away, a rich volcanogenic massive sulphide deposit. The Gullbridge 
Mine is a past copper producer and is located in the northern part of the property. 

During the year ended March 31, 2019, the Company, conducted a magnetic survey on the claims located north and northwest of the Bloom Lake 
mine. More than 360 km of line were surveyed using an unmanned aerial vehicle. The total expenses for the survey amount to $111,000$ which 
includes the cost of the survey and all related logistics. During the same period, a drill program was completed on the Peppler Lake property 
located west of the Fire Lake project. A total of 2,887 meters were drilled. Drilling and logistics expenses totalized $911,000. 

The exploration program at the Powderhorn property located in Newfoundland continued with 17,000 meters of drilling during the financial year. 
Exploration  expenses  at  Powderhorn  were  of  $1,476,000.  During  the  year,  the  Company  maintained  all  its  properties  in  good  standing.  The 
Company did not enter into farm-in/farm-out arrangements during the quarter. 

Reserves and Resources – Overview as at March 31, 2019  

The JORC and Canadian NI 43-101 compliant Measured and Indicated resources adds to a total of 883 Mt while there is an additional 80 Mt of 
Inferred resources. The Bloom Lake Mine holds 384 Mt of ore reserves at 30.0% Fe and a dilution factor of 4.3%. 

•   Total proven and probable mineral reserves at the Bloom Lake Mine stood at 383.5 million tonnes averaging 29.9% Fe. 

•   Measured and indicated mineral resources totals 883.4 million tonnes averaging 29.7% Fe for estimated iron ore concentrate of 321.2 Mt   

averaging 66.2% Fe. 

•  

Inferred resources amounted to 80.4 million tonnes averaging 25.6% Fe. 

All mineral resources reported are inclusive of mineral reserves. Mineral reserves and resources reported at Bloom Lake were estimated using 
an iron ore price of US$50/dmt and US$60/dmt, respectively. The slight decrease in reserves is due to depletion as Champion mined 22,445 dmt 
of iron ore since the start of its operations in February 2018. 

Category 
Measured 
Indicated 
M+I Total 

Inferred 

Category 
Proven 
Probable 
Total 

March 31, 2019 Bloom Lake Mineral Resources Estimate (at 15% Fe Cut-off) 

  Mt Tonnage (dmt)   
401.8 
471.6 
883.4 

  80.4 

Fe (%) 
31.0 
28.5 
29.7 

25.6 

CaO (%) 
0.6 
2.5 
1.6 

MgO (%) 
0.7 
2.3 
1.5 

AI2O3 (%) 
0.3 
0.4 
0.4 

1.9 

1.7 

0.3 

March 31, 2019 Bloom Lake Mineral Reserves Estimate (at 15% Fe Cut-off) 

  Mt Tonnage (dmt)   
236.3 
47.3 
383.5 

Fe (%) 
30.7 
28.7 
29.9 

CaO (%) 
0.5 
2.8 
1.4 

MgO (%) 
0.6 
2.7 
1.4 

AI2O3 (%) 
0.3 
0.4 
0.4 

8 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
   
   
   
 
 
 
 
 
 
   
   
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Report on Operations 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

In addition to the Bloom Lake Mine, the Company owns interest in 13 other iron ore deposits located in the Labrador Trough, some 300 km north 
of the City of Sept-Îles and ranging from 6 to 80 kilometers west and southwest of Fermont. All claims and leases are in good standing. No work 
was done during the fiscal year ended to update the Resources estimate published during the period 2011 to 2014. Additional information on 
each claim can be found in the Reserve & Resource Statement of this annual report. 

Bloom Lake Phase II Feasibility Study Highlights  

On June 20, 2019, the Company announced a positive feasibility study (the “Feasibility Study”) for the Bloom Lake Mining Complex (“Bloom Lake”), 
located near the town of Fermont, in north-eastern Quebec. The Feasibility Study envisions further exploiting the Bloom Lake Mine which would 
increase overall capacity from 7.4Mtpa to 15Mtpa of 66.2% Fe iron ore concentrate. 

The highlights of the Feasibility Study are: 

FEASIBILITY STUDY HIGLIGHTS - PHASE II 
Base case assuming long-term price of US$68.2/t P62 and US$83.9/t P65 iron ore price CFR China 

CA$ 

US$ 

- Pre-tax NPV8% of $1,532 million   
- After-tax NPV8% of $956 million   
- Pre-tax NPV8% of $3,762 million combining Phase I & II  
- After-tax NPV8% of $2,384 million combining Phase I & II 

- Pre-tax NPV8% of $1,160 million   
- After-tax NPV8% of $724 million   
- Pre-tax NPV8% of $2,850 million combining Phase I & II  
- After-tax NPV8% of $1,806 million combining Phase I & II 

Pre-tax IRR of 42.4% or after-tax IRR of 33.4% with a 2.4 years payback on initial capital 
Based on $110.7/t P65 iron ore price CFR China 

Based on $83.9/t P65 iron ore price CFR China 

NPV 

IRR 
Iron ore price 

Initial CAPEX 
Total cash cost1 

$589.8 million 
$46.6/t FOB Sept-Îles 

Sustaining capital 

$4.4$/t over the LoM 

$446.8 million 
$35.4/t FOB Sept-Îles 

$3.3$/t over the LoM 

$39.7/t FOB Sept-Îles 

All-in sustaining cost 1  $52.3/t FOB Sept-Îles 
Production 
Construction period 
Mine life 
Mineral reserves 
Recovery 

Estimated average annual production of 15 million tonnes of 66.2% Fe iron ore 
21 months 
Current study mine life of 20 years 
Bloom Lake reserves estimated at 807 million tonnes at an average grade of 29.0% Fe 
Average metallurgical recovery of 82.4% relative to average plant feed grade of 29.0% Fe 

 1 

Cash  cost  and  all-in  sustaining costs  are  non-IFRS  financial  performance  measures  with no  standard  definition  under  IFRS.  The  Company  provides them  as  supplementary 
information that management believes may be useful to investors to explain the Company’s financial results. 

9 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Report on Operations 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

The Feasibility Study conducted by BBA Inc. evaluated the life-of-mine ("LoM") option for expanded mining and processing to maximize the value 
of the mineral resource at Bloom Lake. The Feasibility Study evaluates the combined Phase I and II mining plan, current concentrator plant at 
Phase I and completion of the Phase II concentrator plant. Results of the Study recommend an expansion of Bloom Lake, resulting in a LoM 
production averaging 15 Mtpa of 66.2% Fe iron ore concentrate. Based on the new optimized mine plan, the mining rate at Bloom Lake would also 
be increased to accelerate the supply of ore to the expanded facilities, while maintaining a LoM of 20 years. Pursuant to the strong economics 
outlined in the Feasibility Study, the Company’s board of directors has approved an initial budget of $68 million to advance the project during 
the remainder of 2019, which is expected to meet the timetable detailed in the Feasibility Study. The approved budget will be funded from cash 
on hand and existing debt facilities. Finalization of additional funding sources for the project is expected to be completed before mid-2020.   

The base case economic assumption utilizes a conservative blended average gross realized price at 66.2% Fe CFR China of US$84.1/t for the 
LoM. The P65 analyst consensus was utilized for years 1 to 3. For the remaining LoM, the iron price at 66.2% is based on the average of the P65 
analyst long-term consensus and the P62 3-year trailing average with a 15% premium. These price assumptions compare with a spot price at 
P65 of US$124.7/t as of June 13, 2019, of which Bloom Lake's 66.2% Fe material receives a premium. Other assumptions include total cash cost 
of CA$46.6/dmt or US$35.4/dmt and process recovery of 82.4% and an average exchange rate between the US$ and the CA$ of 0.758.  

More information on the Feasibility Study can be found in the Company’s June 20, 2019, press release available under the Company’s filings on 
SEDAR at www.sedar.com and on the Company’s website at www.championiron.com. The National Instrument 43-101 Standards of Disclosure 
for Mineral projects technical report will be filed on SEDAR within the 45 days of the June 20, 2019 news release. 

10 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

Directors’ report 

The  Directors  of  Champion  Iron  Limited  (“Champion”  or  the  “Company”)  present  their  report  with  annual  audited  consolidated  financial 
statements of the Company comprising of the Company and its subsidiaries for the twelve-month period ended March 31, 2019 and the auditor’s 
report thereon.   

Management is responsible for the preparation and integrity of its Financial Statements, including the maintenance of appropriate information 
systems, procedures and internal controls. Management is also responsible for ensuring that  information disclosed externally, including the 
Financial Statements and Management’s Discussion and Analysis, is complete and reliable. 

All dollar figures stated herein are expressed in Canadian dollars, except for: (i) tabular amounts which are in millions of Canadian dollars; (ii) per 
share or per tonne amounts; or (iii) unless otherwise specified. Certain non-IFRS financial performance measures are included in this MD&A. The 
following  abbreviations  are  used  throughout  this  document:  USD  or  US$  (United  States  dollar),  CAD  or  CA$  (Canadian  dollar),  AISC  (All-in 
sustaining costs), wmt (wet metric tonnes), dmt (dried metric tonnes), M (Million), km (kilometres) and m (metres). 

Champion is of the kind specified in ASIC Corporation (Rouding in Financial/Directors’ report) Instruments 2016/191. In accordance with the 
class order, amounts in this report and in the financial report have been rounded to the nearest thousand dollars unless specifically stated to be 
otherwise 

The Financial Statements and other information pertaining to the Company are available on SEDAR at www.sedar.com and on its website at 
www.championiron.com. 

This directors’ report contains forward-looking statements. Particular attention should be given to the risk factors described in the “Risk Factors” 
section and to the “Cautionary note regarding forward-looking statements” section of this document. 

The utilization of the “Company” or “Champion”, refers to Champion Iron Limited and/or one, or more, or all of its subsidiaries, as it may apply. 

Non-IFRS financial performance measures 

Champion believes that these measures, in addition to conventional measures prepared in accordance with IFRS, provide investors an improved 
ability to evaluate the underlying performance of the Company. These measures are intended to provide additional information and should not 
be considered in isolation, or as a substitute for, measures of performance prepared in accordance with IFRS. These measures do not have any 
standardized  meaning  prescribed  under  IFRS,  and  therefore  may  not  be  comparable  to  other  issuers.  The  non-IFRS  financial  performance 
measures  included  in  this  document  are:  earnings  before  interest,  tax,  depreciation  and  amortization  ("EBITDA"),  total  cash  costs,  all-in 
sustaining costs (“AISC”), average realized selling price and cash operating margin. For a detailed description of each of the non-IFRS measures 
used  in  this  Directors’  report  and  a  detailed  reconciliation  to  the  most  directly  comparable  measure  under  International  Financial  Reporting 
Standards (“IFRS”), please refer to the “Non-IFRS financial performance measures” section of this Directors’ report included in note 17. 

11 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Financial Review 

 (Expressed in thousands of Canadian dollars, except where otherwise indicated) 

1. Financial and Operating Highlights1 

Iron ore concentrate produced (wmt) 
Iron ore concentrate sold (dmt) 

Financial Data (in thousands of dollars, except per share amounts) 
Revenue 
Gross profit (loss) 
EBITDA2 
EBITDA margin (%)2 
Net income 

Net income attributable to shareholders 
Basic earnings per share attributable to shareholders 

Cash flow from operations 
Cash and cash equivalent 
Short-term investments 
Total assets 

Statistics (in dollars per dmt sold) 
Average net realized selling price2 
Total cash cost2 (C1 cash cost) 
All-in sustaining cost2 
Cash operating margin2 

Three Months Ended 
March 31, 

2019 

1,802,000    
1,744,000    

182,164    
94,284    
86,500    
47%   
28,155    

0.02    
38,016    
135,424    
17,907    
672,017    

104.4    
48.4    
55.4    
49.0    

2018   

623,300   
—   

—   
(972 )  
(20,858 )  
—   
(29,305 )  

(0.05 )  
(42,750 )  
7,895   
17,291   
401,716   

—   
—   
—   
—   

Twelve Months Ended 
March 31, 
2019    

2018  

6,994,500    
7,127,600    

655,129    
288,632    
278,172    
42%   
147,599    

0.20    
176,698    
135,424    
17,907    
672,017    

91.9    
49.4    
55.8    
36.1    

623,300  
—  

—  
(4,244 ) 
(80,006 ) 
—  
(107,331 ) 

(0.19 ) 
(131,649 ) 
7,895  
17,291  
401,716  

—  
—  
—  
—  

 1 

2 

The Company considers that pre-commercial production operations at the Bloom Lake mine commenced on April 1, 2018 with the first shipment of high-grade iron ore concentrate 
and that commercial production began on June 30, 2018. There were no revenue or production costs associated with the same period the prior year. 
EBITDA, average realized selling price, total cash cost, AISC cost and cash operating margin are non-IFRS financial performance measures with no standard definition under IFRS. 
See the “Non-IFRS financial performance measures” section of this MD&A included in note 17. 

12 | Page 

 
  
 
 
 
 
 
 
 
 
  
   
   
   
 
 
 
  
   
   
   
  
   
   
   
 
 
 
 
 
  
   
   
   
 
 
 
 
 
 
  
   
   
   
  
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Financial Review 

 (Expressed in thousands of Canadian dollars, except where otherwise indicated) 

2. Year-to-Date Highlights 

Financial 

•   Revenues of $655.1 million since the Company shipped its first vessel of iron ore concentrate on April 1, 2018; 

•  

EBITDA1 totalling $278.2 million or a margin of 42% for the year ended March 31, 2019, compared to a loss of $80.0 million in the prior 

year, as the Company was not in commercial production; 

•   Net income of $147.6 million (EPS of $0.20) for the year ended March 31, 2019 compared to a net loss of $107.3 million (EPS of ($0.19)) 

for the year ended March 31, 2018; 

•   Operating cash flow2 totalling $176.7 million for the year ended March 31, 2019, compared to utilization of funds of $131.6 million for 

the year ended March 31, 2018; and 

•   Cash on hand3 of $153.3 million on March 31, 2019, compared to $25.2 million on March 31, 2018. 

Operations 

•   Declaration of commercial production at Bloom Lake on June 30, 2018; 

•   Production of 6,994,500 wmt of high-grade 66.4% iron ore concentrate and 7,617,800 wmt since the mine commenced operations; 

Total cash cost1 of $49.4/dmt sold (C1) and an AISC1 of $55.8/dmt sold during the first year of operations; and 

Strong cash operating margin1 of $49.0/dmt during the quarter and $36.1/dmt year to date. 

•  

•  

Growth 

•   On May 29, 2019, the Company announced a transaction to acquire RQ’s 36.8% equity interest in QIO, operator of the Bloom Lake Mining 

Complex, for a total cash consideration of C$211 million. The acquisition would increase the Company's stake in QIO to 100%; and 

•   On May 29, 2019, the Company also announced that it has entered into an agreement with Caisse de dépôt et placement du Québec for 

a preferred share offering for proceeds of C$185 million plus a commitment for a fully underwritten US$200 million credit facility with 

The Bank of Nova Scotia and Societe Generale. 

•   On June 20, 2019, the Company announced a positive Feasibility Study for a Phase II expansion with an after-tax IRR of 33.4% and 2.4-

year payback on initial capital aiming at doubling the Bloom Lake Mine production.  

 1 

2 

3 

EBITDA, total cash cost, AISC and cash operating margin are non-IFRS financial performance measures with no standard definition under IFRS. See the “Non-IFRS financial 
performance measures” section of this MD&A included in note 17. 
Operating cash flow includes change in non-cash operating working capital. 
Cash on hand includes cash and cash equivalents and short-term investments. 

13 | P a g e  

 
  
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Financial Review 

 (Expressed in thousands of Canadian dollars, except where otherwise indicated) 

3. Key Drivers 

A.  Iron Ore Concentrate Price 

The price of iron ore concentrate is one of the most significant factors determining the Company’s financial results. As such, cash flow from 
operations and the Company’s development may, in the future, be significantly adversely affected by a decline in the price of iron ore. The iron 
ore concentrate price fluctuates on a daily basis and is affected by a number of industry and macroeconomic factors beyond the control of the 
Company. 

Due to the high-quality nature of its 66.4% iron ore concentrate, the Company’s iron ore attracts a premium over the IODEX 62% Fe CFR China 
Index (“P62”) widely used as the reference price in the industry. The premium captured by the IODEX 65% Fe CFR China Index ("P65" or "Platts 
65") is attributable to two main factors; steel mills are recognizing that higher iron ore grades offer a benefit to optimize output while significantly 
decreasing CO2 emissions. Additionally, as some major producers continue to experience operational challenges, the shortages in the market 
for high-grade sinter feeds also contribute to the upward pressure on high-grade iron ore prices. 

During the three-month period ended March 31, 2019, the price of high-grade iron ore based on the Platts 65 index fluctuated from a low of 
US$87.2/dmt to a high of US$107.2/dmt. The average P65 iron ore price was US$95.5/dmt for the period, a slight decrease of less than 4% from 
the  previous  quarter  resulting  in  a  premium  of  15.5%  over  the  P62  reference  price.  The  Company’s  gross  realized  price  for  the  quarter  was 
US$98.7/dmt before ocean freight. Deducting sea freight cost, the Company's net realized FOB price was $104.4/dmt. 

During the year ended March 31, 2019, the price of high-grade iron ore based on the Platts 65 index fluctuated from a low of US$81.4/dmt to a 
high of US$107.2/dmt.  The average  iron ore P65  price was US$91.6/dmt for the period, an important increase  of 7% from the  previous year 
resulting in a premium of 29.0% over the P62 reference price. The Company’s gross realized price for the year was US$93.4/dmt before ocean 
freight. Deducting sea freight cost, the Company's net realized FOB price was $91.9/dmt. 

Champion is well positioned to benefit from higher iron ore prices as it has no hedging contracts in place and it is not subject to a net smelter 
royalty. Assuming a stable foreign exchange rate, a variation of US$1.00 of the P65 will impact Champion gross revenues by approximately 1%. 

14 | P a g e  

 
  
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Financial Review 

 (Expressed in thousands of Canadian dollars, except where otherwise indicated) 

3. Key Drivers (continued) 

B.  Sea Freight 

Sea freight is an important component of the Company’s cost structure as Champion ships most of its concentrate to China and Japan. The 
common reference route for dry bulk material from the Americas to Asia is the Brazil to China route totalling 11,000 miles. The freight cost per 
tonne associated with this route is captured in the C3 Baltic Capesize Index (“C3”) which is considered the reference ocean freight cost for iron 
ore shipped from the Americas to Asia. There is no index for the route between the port of Sept-Iles, Canada and China. The route from Sept-Iles 
to China totals approximately 14,000 miles and is subject to different weather conditions during the winter season, therefore the freight cost per 
tonne associated with this voyage is generally higher than the C3 price. 

In the past five years, the industry has identified a relationship between the iron ore price and the cost of freight for the Brazil to China route 
captured in the C3 rate. Based on the observed correlation, when the price of iron ore fluctuates, the ocean freight rate fluctuates as well. As the 
freight cost for the ocean transport between Sept-Iles and China is largely influenced by the C3 cost, a decrease in iron ore prices should result 
in a lower ocean freight costs for Champion Iron. 

15 | P a g e  

 
  
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Financial Review 

 (Expressed in thousands of Canadian dollars, except where otherwise indicated) 

3. Key Drivers (continued) 

C.  Currency 

The Canadian dollar is the Company’s reporting and functional currency. Consequently, the Company’s operating results and cash flows are 
influenced by changes in the exchange rate for the Canadian dollar against the U.S. dollar. The Company's sales, sea freight and credit facilities’ 
costs are denominated in U.S. dollars. As such, the Company benefits from a natural hedge between its revenues and its sea freight and credit 
facilities’ costs. Still, the Company is exposed to foreign currency fluctuations as its mining operating expenses are mainly incurred in Canadian 
dollars. Currently, the Company has no hedging contracts in place and therefore has exposure to the foreign exchange rate fluctuations. The 
strengthening of the U.S. dollar would positively impact the Company’s net income and cash flow while the strengthening of the Canadian dollar 
would reduce its operating margin and cash flow. 

Apart  from  these  key  drivers  and  the  risk  factors  noted  in  the  headings  "Risk  factors",  management  is  not  aware  of  any  other  trends, 
commitments, events or uncertainties that would have a material effect on the Company’s business, financial condition or results of operations. 

16 | P a g e  

 
  
 
 
 
Champion Iron Limited 
Directors’ Report – Financial Review 

 (Expressed in thousands of Canadian dollars, except where otherwise indicated) 

4. Bloom Lake Mine Operating Activities1 

Operating Data 
Waste mined (wmt) 
Ore mined (wmt) 
Strip ratio 

Ore milled (wmt) 
Head grade (%) 
Recovery (%) 
% Fe 
Iron ore concentrate produced (wmt) 
Iron ore concentrate sold (dmt) 

Financial Data (in thousands of dollars) 
Revenues 
Cost of sales 
Other expenses 
Net finance cost 
Net income 
Earnings per share 
EBITDA2 

Statistics (in dollars per dmt sold) 
Average net realized selling price2 
Total cash cost (C1 cash cost)2 
All-in sustaining cost2 
Cash operating margin2 

Three Months Ended 
March 31, 
2019    

2018   

Twelve Months Ended 
March 31, 
2019    

2018  

3,481,500    
4,975,500    
0.7    
4,754,200    
30.6    
80.4    
66.3    
1,802,000    
1,744,000    

182,164    
84,431    
11,233    
19,386    
28,155    
0.02    
86,500    

104.4    
48.4    
55.4    
49.0    

2,280,700   
2,158,700   
1.1   
1,754,300   
29.0   
76.3   
66.5   
623,300   
—   

—   
—   
20,857   
7,475   
(29,305 )  
(0.05 )  
(20,858 )  

—   
—   
—   
—   

13,679,900    
19,711,700    
0.7    
18,493,800    
31.5    
79.5    
66.4    
6,994,500    
7,127,600    

4,254,000  
2,733,500  
1.6  
1,754,300  
29.0  
76.3  
66.5  
623,300  
—  

655,129    
351,946    
25,011    
50,010    
147,599    
0.20    
278,172    

91.9    
49.4    
55.8    
36.1    

—  
—  
80,006  
23,081  
(107,331 ) 
(0.19 ) 
(80,006 ) 

—  
—  
—  
—  

Operational Performance 
During the quarter ended March 31, 2019, 8.5 million tonnes of material were mined, representing a decrease of 3% over the previous quarter. 
The decrease reflects the focus on waste removal during the previous quarter due to a planned major shutdown of the plant. The plant processed 
4,754,200 tonnes of ore during the fourth quarter. Although the quarter did not include a major scheduled shutdown, the production was affected 
by various planned shutdowns totaling 10 days in order to upgrade pumps and change the inner discharge grates and upgrade the conveyor belt 
to  accommodate  more  daily  throughput.  During  the  period,  the  optimization  of  the  recovery  circuit  continued,  resulting  in  record  monthly 
recovery of 81.7% in February 2019 from a 31.0% Fe head grade. Based on the foregoing, Champion produced 1,802,000 wmt of 66.3% high-
grade iron ore concentrate during the fourth quarter ended March 31, 2019. 

The Company mined 33.4 million tonnes of material during the twelve months ended on March 31, 2019, compare to 7.0 million tonnes in the 
prior year. The variation is due to the restart of the Bloom Lake Mine in February 2018 which commenced commercial production on June 30, 
2018.  The  plant  processed  18,493,800  tonnes  of  ore  during  the  twelve  months  ended  March  31,  2019.  During  the  year,  the  recovery  circuit 
continues to be optimized where the Company initially achieved 77.0% when it resumed operations in February of 2018 compared to 80.4% during 
the last quarter ended March 31, 2019. Overall, the Company achieved an average recovery rate close to 80% for the most recently completed 
fiscal year. The Company's recovery rate continues to improve with nearly every quarter achieving higher recovery rates as high as 86%. As such, 
the Company is confident that it will achieve the target recovery rate of 83% once the circuit has been optimized. 

Based on the foregoing, Champion produced a total of 6,994,500 wmt of Fe 66.4% in its first full year of operations ending March 31, 2019. These 
results established a new annual production record for the Bloom Lake Mine as the previous annual record achieved at Bloom Lake by previous 
operators totalled 5,885,355 in 2013 

 1 

2 

The Company considers that pre-commercial production operations at the Bloom Lake mine commenced on April 1, 2018 with the first shipment of high-grade iron ore concentrate 
and that commercial production began on June 30, 2018. 
EBITDA, average realized selling price, total cash cost, AISC and cash operating margin are non-IFRS financial performance measures with no standard definition under IFRS. See 
the “Non-IFRS financial performance measures” section of this MD&A included in note 17. 

17 | P a g e  

 
  
 
 
 
 
 
 
 
  
   
   
   
  
   
   
   
 
 
 
 
  
   
   
   
 
 
 
 
 
 
 
  
   
   
   
  
   
   
   
 
 
 
 
 
 
 
 
  
   
   
   
  
   
   
   
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Financial Review 

 (Expressed in thousands of Canadian dollars, except where otherwise indicated) 

5. Financial Performance 

The Company entered pre-commercial production in February 2018, shipped its first vessel to China on April 1, 2018 and declared commercial 
production on June 30, 2018. As a result, there are no comparative production and related financial performance figures for the same periods 
the year prior. 

A.  Revenues 

During the three-month period ended March 31, 2019, a total of 1,802,000 tonnes of high-grade iron ore concentrate were sold at a CFR China 
gross realized price of US$98.7/dmt before shipping. The gross sales price of US$98.7/dmt represents a premium of 19% over the benchmark 
P62  compared  to  28%  in  the  previous  quarter  as  the  P62  price  strengthened  by  16%  during  the  quarter.  Deducting  sea  freight  costs  of 
US$21.6/dmt, the Company obtained an average net realized price of US$77.1 per tonne (CA$104.4 per tonne) for its high-grade iron ore delivered 
to the end customer. As a result, revenues totalled $182,164,000 for the period. The sales increase compared to the prior quarter stems primarily 
from higher iron ore prices. 

For the year ended March 31, 2019, the Company sold over 7.1 million tonnes of iron ore concentrate shipped to end customers located in China, 
Europe, Japan and the Middle East in 41 Capesize vessels. While, the P65 indicative price of high-grade iron ore fluctuated between US$81.4/dmt 
to US$107.2/dmt as of March 31, 2019, the Company sold its product at an average gross realized price of US$93.4/dmt before shipping. The 
gross sales price of US$93.4/dmt represents a premium of 30.6% over the benchmark P62 price. Deducting sea freight costs of US$23.4/dmt, 
the  Company  obtained  an  average  realized  price  of  US$70.0  per  tonne  (CA$91.9  per  tonne)  for  its  high-grade  iron  ore  delivered  to  the  end 
customer. As a result, revenues totalled $655,129,000 for the first year of production. There are no revenues for the comparative periods as the 
Company shipped its first vessel of iron ore concentrate on April 1, 2018. 

18 | P a g e  

 
  
 
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Financial Review 

 (Expressed in thousands of Canadian dollars, except where otherwise indicated) 

5. Financial Performance (continued) 

A.  Revenues (continued) 

(in US dollars per dmt sold) 
Index P62 
Premium over P62 
Gross realized price 
Freight and other costs 

Net realized FOB price 

CAD Net Realized FOB Price 

Three Months 

Twelve Months 

Ended March 31, 20191 

82.7   
16.0   
98.7    
(21.6)   
77.1   

104.4   

71.5 
21.9 
93.4 
(23.4) 
70.0 

91.9 

B.  Cost of sales 
Cost of sales represent mining, processing, and mine site-related general and administrative expenses. 

During the three-month period ended March 31, 2019, the total cash cost2 or C1 cash cost2 per tonne totalled $48.4/dmt. 

For the first twelve months of  operations, the Company produced high-grade iron ore at  a total cash cost2 of $49.4/dmt. The C1 cash cost2 
reflects the impacts of the inefficiencies of the ramp-up period, the delays associated with the completion of the first major planned shutdown 
since the Company started its operations, combined with unplanned shutdowns during the first winter season. 

As the Company shipped its first vessel on April 1, 2018, there are no comparative cost of sales for the prior fiscal year ended March 31, 2018. 

C.  Gross profit (loss) 
The gross profit for the three and twelve-month periods ended March 31, 2019 totalled $94,284,000 and $288,632,000, respectively, compared 
to a gross loss of $972,000 and $4,244,000 for the same periods in the year prior. Each period variation reflects the timing of recommissioning 
Bloom Lake in February 2018 with first shipment dating April 1, 2018. 

D.  Other Expenses 
Other expenses comprise share-based payment, corporate expenses as well as sustainability and other community expenses (“CSR expenses”). 
CSR expenses are composed mainly of community taxes such as property and school taxes and expenditures related to the Impact and Benefits 
Agreement with the First Nations (“IBA”). 

The variance in Other expenses and income for the year ended March 31, 2019 compared to the same period last year is essentially due to the 
difference in certain costs incurred during the restart phase (2017-2018) compared to costs incurred during the operational phase which began 
April 1, 2018. 

 1 

2 

The Company considers that pre-commercial production operations at the Bloom Lake mine commenced on April 1, 2018 with the first shipment of high-grade iron ore concentrate 
and that commercial production began on June 30, 2018 accordingly there are no comparative figures for the same period the year prior. 
EBITDA, average realized selling price, total cash cost or C1 cash cost, AISC and cash operating margin are non-IFRS financial performance measures with no standard definition 
under IFRS. See the “Non-IFRS financial performance measures” section of this MD&A included in note 17. 

19 | P a g e  

 
  
 
 
 
 
 
 
 
   
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Financial Review 

 (Expressed in thousands of Canadian dollars, except where otherwise indicated) 

5. Financial Performance (continued) 

E.  Net Finance Costs 

Net  finance  costs  totalled  $19,386,000  (non-cash  finance  costs  of  $13,199,000)  for  the  fourth  quarter  compared  to  $7,475,000  (non-cash 
finance costs of $7,025,000) for the same period in 2018. The increase is attributable mainly to the change in the fair market value of derivative 
liabilities period over period offset by an unrealized foreign exchange loss and the recognition of a non-cash derivative assets. 

The increase in net finance costs for the year ended March 31, 2019, when compared to the same period the year prior, is due to two main factors: 
the interest on the term facilities fully drawn at the beginning of September 2018 and the change in the fair value of derivatives associated with 
the financing  of the Bloom  Lake Mine. The  change in the fair value of  derivatives liabilities  is  attributable to the variation  of the Company’s 
common share price during the period and is a non-cash item.  In compliance with IFRS, the Company also recorded non-cash derivatives assets 
in relation with the existing debt facility.  The Company reports  in Canadian dollars  and benefits from a natural hedge between its revenues 
generated in U.S. dollars and its U.S. denominated term facilities. Consequently, the unrealized foreign exchange loss included in net finance 
costs  represents  a  non-cash  expenditure  associated  with  the  conversion  of  the  term  facilities  in  Canadian  dollars.  The  Company  maintains 
sufficient U.S. dollars on hand to prevent foreign exchange loss upon interest or capital payments. Unrealized loss on investments and accretion 
costs are non-cash items. 

F.  Income Taxes 

The Company’s subsidiaries are subject to tax in Australia and Canada. As a result of accumulated losses before tax, there are no current or 
deferred income taxes related to the Australian activities. QIO, Champion’s operating subsidiary, is subject to mining tax of 16% and income tax 
in Canada where the statutory rate is 26.68%. During the fiscal year ended March 31, 2019, the Company utilized previously unrecognized tax 
benefits including the majority of its loss available for carry forwards to reduce its current income tax to nil. However, current mining taxes for 
the period amounted to $34,059,000 and were paid in May 2019.  Deferred income tax expenses relate mainly to the accelerated depreciation 
available under tax regulations. 

G. EBITDA1 & Net Income (Loss)   

During the fourth quarter ended March 31, 2019, the Company generated an EBITDA1 of $86,500,000 or a margin of 47% and $278,172,000 or a 
margin of 42% for the year ended March 31, 2019. 

The Company’s net income for the three-month period ended March 31, 2019 totalled $28,155,000 or earnings per share of $0.02 compared to 
a loss of $29,305,000 or $0.05 per share for the same period the year prior.  The variation is due to the restart of mining activities at the Bloom 
Lake Mine. 

For the year ended March 31, 2019, the Company generated a net income of $147,599,000 translating to earnings per share of $0.20. A net loss 
of $107,331,000 or $0.19 per share was realized in the year ended March 31, 2018 as the Company completed its Bloom Lake Mine construction 
in February 2018 and shipped its first vessel of iron ore on April 1, 2018. 

 1 

EBITDA, average realized selling price, total cash cost or C1 cash cost, AISC and cash operating margin are non-IFRS financial performance measures with no standard 
definition under IFRS. See the “Non-IFRS financial performance measures” section of this MD&A included in note 17. 

20 | P a g e  

 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Financial Review 

 (Expressed in thousands of Canadian dollars, except where otherwise indicated) 

5. Financial Performance (continued) 

H.  All-in sustaining cost1 and cash operating margin1 

The  Company  believes  that  the  AISC1  and  cash  operating  margin1  are  measures  reflecting  the  costs  associated  with  producing  iron  ore  and 
assessing the Company’s ability to operate without reliance on additional borrowing or usage of existing cash. The Company defines AISC1 as 
the total costs associated with producing iron ore concentrate. The Company’s AISC1 represents the sum of cost of sales, corporate expenditures 
and sustaining capital expenditures, including stripping activities, all divided by the iron ore concentrate per dmt sold to arrive at a per dmt figure. 

During the quarter, the Company realized an AISC1 of $55.4/dmt which is comparable to previous quarter. During its start-up year, the Company 
produced high-grade iron concentrate at an AISC1 of $55.8/dmt. 

Deducting the AISC1 of $55.4/dmt from the realized average selling price1 of $104.4/dmt, the Company generated a cash operating margin1 of 
$49.0 for each tonne of high-grade iron ore concentrate sold during the fourth quarter ended March 31, 2019. Since the Company started to ship 
iron ore to its end customers it generated a cash operating margin1 of $36.1/dmt. 

I.  Non-controlling interests 

As of March 31, 2019, the Government of the province of Quebec, through RQ held a 36.8% interest in QIO and as such, was considered Champion's 
non-controlling interest (“NCI”). The net income attributable to the NCI is based on the statutory financial statements of QIO. The variation period 
over period is associated with the start of the commercialization on April 1, 2018 offset by the change in fair value of derivatives liabilities. 

On May 29, 2019, the Company announced a transaction to acquire RQ’s 36.8% equity interest in QIO. For more information on the proposed 
transaction, please refer to the Company’s press release dated May 29, 2019, available under the Company's filings on SEDAR at www.sedar.com. 
When Champion closes the announced acquisition of the minority interest held by RQ, Champion will no longer have to attribute a portion of QIO’s 
net income to a NCI. 

21 | P a g e  

 
  
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Financial Review 

 (Expressed in thousands of Canadian dollars, except where otherwise indicated) 

6. Events subsequent to March 31, 2019  

On May 29, 2019, the Company announced a transaction to acquire RQ’s 36.8% equity interest in QIO, operator of the Bloom Lake Mining Complex, 
for a total cash consideration of $211 million (the “Transaction”). The Transaction would increase Champion’s stake in QIO to 100%. Following the 
closing of this transaction, the entire net income of QIO will be allocated to Champion and there will no longer be any NCIs. 

The  Company  also  announced  on  May  29,  2019,  that  it  has  entered  into  an  agreement  with  Caisse  de  dépôt  et  placement  du  Québec  for  a 
preferred share offering for proceeds of $185 million (the "Investment") plus a commitment for a fully underwritten US$200 million credit facility 
(the "New Credit Facility") with The Bank of Nova Scotia (“Scotiabank”) and Societe Generale (“SocGen”). Proceeds from the Investment and the 
New Credit Facility will be used to fund current and future strategic initiatives and repay Champion’s existing debt.  

The dividend rate associated with the preferred shares will be based on the gross realized iron price and will fluctuate from 9.25% when the gross 
realized iron price for Bloom Lake 66.2% iron ore is greater than US$85/dmt to 13.25% should the gross realized iron ore price decrease below 
US$65/dmt. The closing of this facility is expected to occur in the summer of 2019. 

The  New  Credit  Facility  will  be  available  by  way  of  a  US$180 million  senior  secured  fully  amortizing  non-revolving  credit  facility  (the  “Term 
Facility”) in addition to a US$20 million senior secured revolving credit facility (the “Revolving Facility”). The New Credit Facility will bear interest 
between LIBOR plus 2.85% if the net debt to EBITDA ratio is lower or equal to 1.00x to LIBOR plus 3.75% if the net debt to EBITDA ratio is greater 
than 2.50x. 

The Term Facility will mature five years from the closing date while the Revolving Facility will mature three years from the closing date. The Term 
Facility shall be repaid in equal quarterly installments of principal and accrued interest starting on the second full year following the closing date 
and is not subject to prepayment penalties. The closing of this facility is expected to occur in the summer of 2019. 

For more information on the capital restructuring and the transaction, please refer to the Company’s press release dated May 29, 2019, available 
under the Company’s filings on SEDAR at www.sedar.com. 

22 | P a g e  

 
  
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Financial Review 

 (Expressed in thousands of Canadian dollars, except where otherwise indicated) 

7. Cash Flows 

The following table summarizes cash flow activities: 

Three Months Ended 
March 31, 

Twelve Months Ended 
March 31, 

2019    

2018    

2019    

2018  

(in thousands of dollars) 
Operations 
Changes in non-cash working capital 
Operating activities 

Financing activities 
Investing activities 

Change in cash and cash equivalents during the period 

Effect of foreign exchange rates on cash 

Cash and cash equivalents, beginning of period 

70,596    
(32,580 )   
38,016    

(45,108 )   
(27,927 )   

(24,220 )   
(18,530 )   
(42,750 )   

89,610    
(87,744 )   

231,465    
(54,767 )   
176,698    

20,501    
(72,930 )   

(35,019 )   

(40,884 )   

124,269    

2,622    

18    

167,821    

48,761    

3,260    

7,895    

Cash and cash equivalents, end of period 

135,424    

7,895    

135,424    

Operating 

(86,883 ) 
(44,766 ) 
(131,649 ) 

238,801  
(101,180 ) 

5,972  

60  

1,863  

7,895  

During the three-month period ended March 31, 2019, the Company generated operating cash flow of $70,596,000 before working capital as a 
result of an EBITDA1 margin of 47% for each dry metric tonne of high-grade concentrate sold. Working capital was mainly impacted by the timing 
of customer receipts. The  variation with the  quarter  ended March 31, 2018 is essentially due to operating profit as the Company was  still in 
development in 2017. 

During the year ended March 31, 2019, the Company's operating cash flow before working capital items totalled $231,465,000. The Company 
was in development for the comparative prior year period. The variation of the working capital items for the year ended March 31, 2019 compared 
with the prior year is mainly due to trade receivables and payments of suppliers in relation to the construction project. The decrease is offset by 
mining tax payable due in May 2019 associated with the operations for the fiscal year ended March 31, 2019. The Company did not have to remit 
mining tax until the end of the first year of operations. Going forward, the Company will have to make monthly installment based on the mining 
tax incurred the prior year. As such the Company started paying mining tax installments at the end of May 2019. 

Financing 

During the three-month period ended March 31, 2019, the Company made its first capital repayment of $7,636,000 towards the US$80,000,000 
facility (the "Sprott Facility") and fully repaid the $37,472,000 note payable related to the Bloom Lake railcar fleet. In the comparative prior year 
period, the Company's financing activities consisted mainly of proceeds of $92,127,000 derived from the long-term debt. 
The financing proceeds for the year ended March 31, 2019 consisted primarily of drawdowns totaling $74,195,000 from the US$180,000,000 
credit facilities as well as borrowing repayments. During the period, the Company made the first repayment of $7,636,000 towards the Sprott 
Facility and paid $4,564,000 in accordance with the production payment agreement entered into as a condition to closing the credit facility with 
Sprott Private Resource Lending (Collector), LP ("Sprott"). In addition, the Company fully repaid the $37.5 million note payable associated with 
financing the Bloom Lake railcar fleet. The remaining financing activities for the year include proceeds from the exercise of stock options and 
the payment of borrowing costs and capitalized interest. 

The financing activities for the corresponding period the prior year related to the financing completed on October 16, 2017, which funded the 
Bloom  Lake  Mine  improvements,  restart  projects  and  associated  costs.  The  financing  structure  consisted  of  a  debt  facility  totaling 
US$180,000,000  with  Sprott  and  CDP  Investissements  Inc.,  of  which  $158,287,000  was  drawn  down  as  of  March 31,  2018,  and  proceeds  of 
$31,200,000 and $10,000,000 associated with debentures issued to Glencore International AG and Altius Minerals Corporation respectively. 

 1 

EBITDA, average realized selling price, total cash cost or C1 cash cost, AISC and cash operating margin are non-IFRS financial performance measures with no standard definition 
under IFRS. See the “Non-IFRS financial performance measures” section of this MD&A included in note 17. 

23 | P a g e  

 
  
 
 
 
 
 
 
 
 
 
   
   
   
   
   
   
   
   
 
 
 
 
   
   
   
   
 
 
 
   
   
   
   
 
 
   
   
   
   
 
 
   
   
   
   
 
 
   
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Financial Review 

 (Expressed in thousands of Canadian dollars, except where otherwise indicated) 

7. Cash Flows (continued) 

Financing (continued) 

In addition, the Company completed a public offering of 21,034,000 subscription receipts ($0.90/unit) for gross proceeds of $18,930,000 on 
October  16,  2017.  RQ  also  contributed  to  a  private  placement  directly  into  QIO  for  an  amount  totalling  $31,316,000.  Finally,  a  bridge  loan 
amounting to $16,000,000 established for the tailings lifts was drawn down and repaid during the period. The remaining financing activities 
related to the exercise of stock options and financing transaction costs. 

Investing 

The Company investments relate to capital expenditures and exploration and evaluations expenses. 

Purchase of property, plant and equipment 

During the year ended March 31, 2019, the Company invested $62,942,000 in cash for additions to property, plant and equipment. The following 
table summarizes our investing activities. 

Three Months Ended 

Twelve Months Ended 

(in thousands of dollars) 
Tailings lifts 
Stripping activities 
Other sustaining capital expenditures 
Subtotal sustaining capital expenditures 

Capital development expenditures at Bloom Lake 
Total 

Exploration and evaluation 

March 31, 

2019   

2018   

March 31, 

2019    

3,008    
3,388    
—    
6,396    

17,145    
23,541    

—    
—    
—    
—    

74,851    
74,851    

17,057    
12,121    
2,657    
31,835    

31,107    
62,942    

2018  

—  
—  
—  
—  

97,569  
97,569  

For the year ended March 31, 2019, $9,372,000 was invested in exploration and evaluation including $6,451,000 towards the feasibility study of 
Phase II. 

24 | P a g e  

 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
   
   
   
   
   
   
 
 
 
 
 
   
   
   
   
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Financial Review 

 (Expressed in thousands of Canadian dollars, except where otherwise indicated) 

8. Financial Position 

As at March 31, 2019, the Company held $135,424,000 in cash and cash equivalents along with $17,907,000 in short-term investments. With the 
existing cash balance and the forecasted cash flows from operations, the Company is well positioned to fund all of its cash requirements for 
FY2020, which relate primarily to the following activities: 

–   Mine operating costs 
–   Sustaining capital expenditures  
–   Reimbursement of long-term debt 
–   Payment of mining and income taxes 

(in thousands of dollars) 
Cash and cash equivalents 
Short-term investment 
Cash on hand 
Other current assets 
Total Current Assets 

Property, plant and equipment 
Exploration and evaluation asset 
Other non-current assets 
Total Assets 

Total Current Liabilities 
Long-term debt 
Derivative financial instruments 
Rehabilitation obligation 
Other non-current liabilities 
Total Liabilities 

Equity attributable to equity shareholders 
Non-controlling interests 
Total Equity 

Total Liabilities and Equity 

As at March 31,   
2019    

As at March 31, 
2018  

135,424     
17,907     

153,331 
161,352     
314,683 

224,123     
81,508     
51,703     

672,017 

114,608 
193,038     
43,819     
36,565     
68,265     

456,295 

150,346 
65,376 
215,722 

672,017 

7,895 
17,291 
25,186 
89,907 
115,093 

172,719 
72,137 
41,767 
401,716 

109,710 
141,225 
24,683 
35,893 
35,757 
347,268 

53,625 
823 
54,448 

401,716 

The  Company’s  total  current  assets  as  at  March 31,  2019  increased  by  $199,590,000  since  March 31,  2018.  This  increase  resulted  from 
operational  cash  flow  associated  with  the  start  of  the  operations  at  Bloom  Lake  together  with  trade  receivables.  The  completion  of  the 
construction of the Bloom Lake mine, during the period, also contributed to higher property, plant and equipment and total assets. 

Total liabilities increased reflecting the debt now fully drawn and income tax payable associated with mining tax related to the mining profit 
realized since the start of operations. The variation in equity is mainly the result of the Company’s net income totalling $147,599,000 achieved 
since the first shipment of high-grade iron ore concentrate made on April 1, 2018. 

25 | P a g e  

 
  
 
 
 
 
 
 
 
 
  
   
  
   
 
 
 
 
 
   
 
 
 
 
   
 
 
  
   
 
 
 
 
 
 
 
   
 
 
  
   
 
   
 
 
 
 
 
 
 
 
 
 
   
 
 
  
   
 
   
 
 
   
 
 
   
 
 
  
   
 
   
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Financial Review 

 (Expressed in thousands of Canadian dollars, except where otherwise indicated) 

9. Financial Risk Factors 

The  Company’s  risk  exposure  and  impact  on  the  Company’s  financial  instruments  are  summarized  in  note  27  of  the  consolidated  financial 
statements for the year ended March 31, 2019. 

10. Commitments 

The Company has various obligations related to take-or-pay features of its logistics contracts. The Company has also other commitments with 
the Innu community related to the Impact and Benefits Agreement. Future minimum payments under these agreements are as follow:  

Less than a year 
1 to 5 years 
More than 5 years 
Total 

The Company does not have any contingent liabilities. 

11. Critical Accounting Estimates and Judgments 

As at March 31,   
2019    

As at March 31, 
2018  

135,798    
62,809    
146,351    
344,958    

70,327  
239,102  
—  
309,429  

The  Company’s  significant  accounting  judgments,  estimates  and  assumptions  are  summarized  in  note 2  of  the  consolidated  financial 
statements for the year ended March 31, 2019. 

12. New Accounting Standards Issued and Adopted by the Company 

The new accounting standards issued but not yet in effect are disclosed in note 2 to the consolidated financial statements for the year ended 
March 31, 2019. 

13. Non-IFRS Financial Performance Measures 

The Company has included certain non-IFRS measures in this document. The Company believes that these measures, in addition to conventional 
measures prepared in accordance with IFRS, provide investors an improved ability to evaluate the underlying performance of the Company. The 
non-IFRS measures are intended to provide additional information and should not be considered in isolation or as a substitute for measures of 
performance prepared in accordance with IFRS. These measures do not have any standardized meaning prescribed under IFRS, and therefore 
may not be comparable to other issuers. 

A.  Total Cash Cost 
Total cash costs or C1 cost is a common financial performance measure in the iron ore mining industry but with no standard meaning under 
IFRS.  Champion  reports  total  cash  costs  on  a  sales  basis.  The  Company  believes  that,  in  addition  to  conventional  measures  prepared  in 
accordance with IFRS, such  as  sales, certain investors use this information to  evaluate the Company’s performance  and  ability to generate 
operating earnings and cash flow from its mining operations. This measure also enables investors to better understand the performance of the 
Company's iron ore operations in comparison to other iron ore producers who present results on a similar basis. Management uses this metric 
as an important tool to monitor operating cost performance. Total cash costs include production costs such as mining, processing, and site 
administration, and exclude depreciation to arrive at total cash costs per dmt sold. Other companies may calculate this measure differently.

26 | P a g e  

 
  
 
 
 
 
 
 
 
 
 
 
 
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Financial Review 

 (Expressed in thousands of Canadian dollars, except where otherwise indicated) 

13. Non-IFRS Financial Performance Measures (continued) 

A.  Total Cash Cost (continued) 

Per tonne sold 
Iron ore concentrate sold (dmt) 

(in thousands of dollars except per tonne) 
Cost of sales 
Total cash cost (per dmt sold) 

B.  All-in Sustaining Cost ("AISC") 

Three Months 

Twelve Months 

Ended March 31, 2019 

1,744,000   

7,127,600 

84,431   
48.4   

351,946 
49.4 

The Company believes that AISC defines the total costs associated with producing iron ore concentrate more accurately as this measure reflects 
all of the sustaining expenditures incurred in order to produce high-grade iron ore concentrate. The Company calculates AISC as the sum of total 
cash costs (as described above), general and administrative expense and sustaining capital, including deferred stripping, all divided by the iron 
ore concentrate dmt sold to arrive at a per dmt figure. Other companies may calculate this measure differently as a result of differences in 
underlying principles and policies applied. Differences may also arise due to a different definition of sustaining versus non-sustaining capital. 
The  sustaining  capital  included  in  the  AISC  calculation  excludes  development  capital  expenditures  such  as  capacity  increase  projects  and 
studies for future expansion projects. 

As this measure intends to represent the cost of selling Iron ore concentrate from current operations, it does not include capital expenditures 
attributable to development projects or mine expansions including economic evaluations for such projects, non-cash share-based payments, 
exploration expenses that are not sustainable in nature, income tax expense, working capital defined as current assets less current liabilities 
(except for inventory adjustments) or interest costs. 

The table below shows a reconciliation of AISC per tonne to costs as extracted from the consolidated financial statements: 

Per tonne sold 
Iron ore concentrate sold (dmt) 

(in thousands of dollars except per tonne) 
Cost of sales 
Sustaining capital expenditure 
General and administrative expenses 

AISC (per dmt sold) 

Three Months 

Twelve Months 

Ended March 31, 2019 

1,744,000   

7,127,600 

84,431   
6,396    
5,728   
96,555   

55.4   

351,946 
31,835  
14,039 
397,820 

55.8 

27 | P a g e  

 
  
 
 
 
 
 
 
 
 
 
  
   
  
   
 
 
  
   
  
   
 
 
 
 
 
 
 
 
 
 
 
  
   
  
   
 
 
  
   
  
   
 
 
 
 
 
 
  
   
 
 
Champion Iron Limited 
Directors’ Report – Financial Review 

 (Expressed in thousands of Canadian dollars, except where otherwise indicated) 

13. Non-IFRS Financial Performance Measures (continued) 

C.  Average realized selling price and cash operating margin 

Average realized price and cash operating margin per dmt sold are used by management to better understand the iron ore concentrate price and 
margin realized throughout a period. Average realized price is calculated as metal sales per the statement of comprehensive earnings. Cash 
operating margin represents average realized price per iron ore concentrate dmt sold less AISC per dmt sold. 

Per tonne sold 
Iron ore concentrate sold (dmt) 

(in thousands of dollars except per tonne) 
Revenues 
Average realized selling price (per dmt sold) 
AISC (per dmt sold) 
Cash operating margin (per dmt sold) 

D.  EBITDA 

Three Months 

Twelve Months 

Ended March 31, 2019 

1,744,000   

7,127,600 

182,164   
104.4   
55.4   
49.0   

655,129 
91.9 
55.8 
36.1 

The following table sets forth the calculation of EBITDA, a non-IFRS measure which the Company believes to be relevant to assess the Company’s 
ability to generate liquidity by producing operating cash flow to fund working capital needs, service debt obligation and fund capital expenditures. 

EBITDA  is  intended  to  provide  additional  information  to  investors  and  does  not  have  any  standardized  definition  under  IFRS.  The  measure 
excludes the impact of cash costs of financing activities, taxes and the change in non-cash working capital and is not necessarily indicative of 
operating profit or cash flow from operations as determined under IFRS. Other companies may calculate EBITDA differently. 

(in thousands of dollars) 
Income (loss) before income tax 
Net finance costs 
Current income tax expense 
Deferred income tax expense 
Depreciation 
EBITDA 
EBITDA margin (%) 

14.Share Capital Information 

Three Months Ended 
March 31, 
2019   

2018  

Twelve Months Ended 
March 31, 

2019   

2018 

28,155  
19,386  
8,286  
27,224  
3,449  
86,500  

47 %   

(29,305 )   
7,475    
—    
—    
972    
(20,858 )   
—    

147,599  
50,010  
34,017  
31,995  
14,551  
278,172  
42% 

(107,331 ) 
23,081  
—  
—  
4,244  
(80,006 ) 
—  

The Company’s authorized share capital is unlimited ordinary shares without par value. As of June 20, 2019, there are 432,991,622 ordinary 
shares outstanding. In addition, there are 29,850,000 ordinary shares issuable on the exercise of options and 49,733,000 shares issuable from 
derivatives instruments with dilutive impact. 

28 | P a g e  

 
  
 
 
 
 
 
 
 
 
 
  
   
  
   
 
 
  
   
  
   
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
   
   
  
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Financial Review 

 (Expressed in thousands of Canadian dollars, except where otherwise indicated) 

15. Summary of Quarterly Results 

The  following  information  is  derived  from  and  should  be  read  in  conjunction  with  the  unaudited  condensed  interim  consolidated  financial 
statements for each of the past eight quarters. The Company’s fiscal year ends on March 31. All amounts are stated in millions of dollars except 
for the earnings (loss) per share. 

Q4 2019    Q3 2019    Q2 2019    Q1 2019    Q4 2018    Q3 2018    Q2 2018    Q1 2018 

Financial Results ($ millions) 
Revenue 
Operating profit (loss) 
EBITDA1 
Net profit (loss) 
Net profit (loss) attributable to 
shareholders 
   Earnings (loss) per share - basic 
   Earnings (loss) per share - diluted 
Cash flow from operations 

Operating Data 
Waste mined (wmt) 
Ore mined (wmt) 
Strip ratio 
Ore milled (wmt) 
Head grade (%) 
Recovery (%) 
% Fe 
Iron ore concentrate produced (wmt) 
Iron ore concentrate sold (dmt) 

Financial results per unit 
Average realized selling price1 
Total cash cost1 
All-in sustaining cost1 
Cash operating margin1 

182.2   
83.1   
86.5   
28.2   

8.8 
0.02   
0.02   
38.0   

147.5   
62.8   
65.4   
31.2   

21.7 
0.05   
0.05   
89.1   

174.7   
77.2   
81.3   
67.5   

41.5 
0.10   
0.09   
2.9   

150.7   
40.5   
45.0   
20.7   

11.0 
0.03   
0.02   
46.7   

—   
(21.8 )  
(20.9 )  
(30.9 )  

(21.9 )  
(0.05 )  
(0.05 )  
(42.8 )  

0.7   

0.8   

0.6   

  3,481,500   
3,847,100    2,978,400    3,372,900    2,280,700   
  4,975,500    4,883,400    5,204,900    4,647,900    2,158,700   
1.1   
1,754,300   
29.0   
76.3   
66.5   
623,300   
—   

0.7   
  4,754,200    4,531,400    4,964,200    4,244,000   
31.1   
77.1   
66.5   
1,542,900   
1,740,400   

30.6   
80.4   
66.3   
  1,802,000   
  1,744,000   

32.0   
79.6   
66.6   
1,858,300   
1,931,700   

32.1   
80.7   
66.4   
1,791,300   
1,711,500   

—   
(39.5 )  
(38.4 )  
(54.1 )  

(37.3 )  
(0.09 )  
(0.09 )  
(72.6 )  

1,973,300   
574,800   
3.4   
—   
—   
—   
—   
—   
—   

104.4   
48.4   
55.4   
49.0   

86.2   
49.4   
55.5   
30.7   

90.4   
45.2   
52.9   
37.5   

86.6   
55.0   
59.9   
26.7   

—   
—   
—   
—   

—   
—   
—   
—   

—   
(14.8 )  
(13.7 )  
(14.5 )  

(9.9 )  
(0.03 )  
(0.03 )  
(15.0 )  

—  
(8.2 ) 
(7.0 ) 
(7.8 ) 

(5.4 ) 
(0.01 ) 
(0.01 ) 
(1.2 ) 

—   
—   
—   
—   
—   
—   
—   
—   
—   

—   
—   
—   
—   

—  
—  
—  
—  
—  
—  
—  
—  
—  

—  
—  
—  
—  

 1  EBITDA, average realized selling price, total cash cost, AISC and cash operating margin are non-IFRS financial performance measures with no standard definition under IFRS. See 

the “Non-IFRS financial performance measures” section of this MD&A included in note 17.

29 | P a g e  

 
  
 
 
 
 
 
 
  
   
   
   
   
   
   
   
  
   
   
   
   
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
   
   
   
   
   
   
   
  
   
   
   
   
   
   
   
 
 
 
 
 
  
   
   
   
   
   
   
   
  
   
   
   
   
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Financial Review 

 (Expressed in thousands of Canadian dollars, except where otherwise indicated) 

16.Risk Factors 

Champion is subject to several risks and uncertainties which could have a material adverse impact on its operations, its financial condition and 
the trading price of its shares. This section presents information about the Company's exposure to each of the described risks, the Company's 
objectives, policies and processes for measuring and managing risk, and the Company's management of capital. 

The Board of Directors oversees management's establishment and execution of the Company's risk management framework.  Management has 
implemented and monitors compliance with risk management policies. The Company's risk management policies are established to identify and 
analyze the risks faced by the Company, to set appropriate risk limits and controls, and to monitor risks and adherence to market conditions and 
the Company's activities. 

The following discussion summarizes the principal risk factors that apply to the Company and that may have a material adverse effect on its 
financial condition and results of operations, or the trading price of the Company's Common Shares. 

FINANCIAL RISKS 
Iron Ore Prices 
The  Company's  principal  business  is  the  exploration,  development  and  production  of  iron  ore.  The  Company’s  future  profitability  is  largely 
dependent on movements in the price of iron ore. Iron ore prices have historically been volatile and are primarily affected by the demand for and 
price of steel in addition to the supply/demand balance. Given the historical volatility of iron ore prices there are no assurances that the iron ore 
price will remain at economically attractive levels. An increase in iron ore supply without a corresponding increase in iron ore demand would be 
expected to result in a decrease in the price of iron ore. Similarly, a decrease in iron ore demand without a corresponding decrease in the supply 
of iron ore would be expected to result in a decrease in the price of iron ore. A continued decline in iron ore prices would adversely impact the 
business of the Company and could affect the feasibility of the Company’s projects. As some of the Company’s long-term debt are subject to 
rate fluctuation based on the price of iron ore, a decrease in iron ore could have an adverse impact on the cost of the Company’s borrowing. A 
continued decline in iron ore prices would also be expected to adversely impact the Company’s ability to attract financing. Iron ore prices are 
also affected by numerous other factors beyond the Company’s control, including the exchange rate of the United States dollar with other major 
currencies, global and regional demand, political and economic conditions, production levels and costs and transportation costs in major iron 
ore producing regions. If as a result of a decline in iron ore prices, revenues from iron ore sales were to fall below cash operating costs, the 
feasibility of continuing development and operations would be evaluated and if warranted, could be discontinued. 

Fluctuating Minerals Prices 
Factors beyond the control of the Company may affect the marketability of any other minerals discovered. Resource prices have fluctuated 
widely  and  are  affected  by  numerous  factors  beyond  the  Company's  control.  These  factors  include  market  fluctuations,  the  proximity  and 
capacity of natural resource markets and processing equipment, and government regulations, including regulations relating to prices, taxes, 
royalties, land tenure, land use, importing and exporting of minerals and environmental protection. The exact effect of these factors cannot be 
accurately predicted, but the combination of these factors may result in the Company not receiving an adequate return on invested capital and 
a loss of all or part of an investment in securities of the Company may result. 

Liquidity / Financing Risk 
The Company may need to raise additional funding in the future through the sale of equity or debt securities or by optioning or selling its properties. No 
assurance can be given that additional funding will be available for further exploration and development of the Company’s properties when required, 
upon terms acceptable to the Company or at all. Failure to obtain such additional financing could result in the delay or indefinite postponement of further 
exploration and development of its properties. 

Current Global Financial Condition 
Global financial markets experienced extreme and unprecedented volatility and disruption in 2008 and 2009. World economies experienced a 
significant slowdown in 2008 and 2009 and only slowly began to recover late in 2009, through 2010 to 2017 and into 2017-2018, although the 
strength of recovery has varied by region and by country. In the latter half of 2011 and 2012-2013, debt crises in certain European countries and 
other factors adversely affected the recovery. 

The majority vote in favour of the United Kingdom leaving the European Union may worsen and/or prolong global financial markets’ challenges 
and the demand for commodities. These conditions have resulted and may continue to result in a reduction in demand for various resources and 
raw materials. As a result, access to public financing has been negatively impacted.

30 | P a g e  

 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Financial Review 

 (Expressed in thousands of Canadian dollars, except where otherwise indicated) 

16.Risk Factors (continued) 

Current Global Financial Condition (continued) 
These factors may impact the ability of the Company to obtain equity or debt financing in the future on favourable terms. Additionally, these 
factors, as well as other related factors, may cause decreases in asset values that are deemed to be other than temporary, which may result in 
impairment losses. If such increased levels of volatility and market fluctuations continue, the Company's operations could be adversely impacted 
and the trading price of its Ordinary Shares may be adversely affected. 

Foreign Exchange 
Iron ore is sold in U.S. dollars thus the Company is subject to foreign exchange risks relating  to the relative value of the Canadian dollar  as 
compared to the U.S. dollar. To the extent that the Company generates revenues upon reaching the production stage on its properties, it will be 
subject  to  foreign  exchange  risks  as  revenues  will  be  received  in  U.S.  dollars  while  operating  and  capital  costs  will  be  incurred  primarily  in 
Canadian dollars. A decline in the U.S. dollar would result in a decrease in the real value of the Company’s revenues and adversely impact the 
Company’s financial performance. 

Reduced Global Demand for Steel or Interruptions in Steel Production 
The global steel manufacturing industry has historically been subject to fluctuations based on a variety of factors, including general economic 
conditions and interest rates. Fluctuations in the demand for steel can lead to similar fluctuations in iron ore demand. A decrease in economic 
growth rates could lead to a reduction in demand for iron ore. Any decrease in economic growth or steel consumption could have an adverse 
effect on the demand for iron ore and consequently on the Company’s ability to obtain financing, to achieve production and on its financial 
performance. See also “Current Global Financial Conditions” above. 

OPERATIONAL RISKS 
Mineral Exploration, Development and Operating Risks 
Mineral exploration is highly speculative in nature, generally involves a high degree of risk and is frequently non-productive. Resource acquisition, 
exploration, development, and operation involve significant financial and other risks over an extended period of time, which even a combination 
of careful evaluation, experience, and knowledge may not eliminate. Significant  expenses are required to locate and  establish economically 
viable mineral deposits, to acquire equipment, and to fund construction, exploration and related operations, and few mining properties that are 
explored are ultimately developed into producing mines. 

Success  in  establishing  an  economically  viable  project  is  the  result  of  a  number  of  factors,  including  the  quantity  and  quality  of  minerals 
discovered, proximity to infrastructure, metal and mineral prices which are highly cyclical, costs and efficiencies of the recovery methods that 
can  be  employed,  the  quality  of  management,  available  technical  expertise,  taxes,  royalties,  environmental  matters,  government  regulation 
(including land tenure, land use and import/export regulations) and other factors. Even in the event that mineralization is discovered on a given 
property, it may take several years  in the initial phases  of drilling until production is  possible, during which time the economic feasibility of 
production may change as a result of such factors. The effect of these factors cannot be accurately predicted, but the combination of these 
factors may result in the Company not receiving an adequate return on its invested capital, and no assurance can be given that any exploration 
program of the Company will result in the establishment or expansion of resources or reserves. 

The Company’s operations are subject to all the hazards and risks normally encountered in the exploration, development and production of iron 
ore and other minerals, including hazards relating to the discharge of pollutants, changes in anticipated grade and tonnage of ore, unusual or 
unexpected adverse  geological  or geotechnical formations, unusual or unexpected  adverse operating  conditions, slope failures, rock  bursts, 
cave-ins, seismic activity, the failure of pit walls or dams, fire, explosions and natural phenomena and "acts of God" such as inclement weather 
conditions, floods, earthquakes or other conditions, any of which could result in damage to, or destruction of, mineral properties or production 
facilities,  personal  injury  or  death,  damage  to  property,  environmental  damage,  unexpected  delays,  monetary  payments  and  possible  legal 
liability, which could have a material adverse impact upon the Company. 

In addition, any future mining operations will be subject to the risks inherent in mining, including adverse fluctuations in commodity prices, fuel 
prices, exchange rates and metal prices, increases in the costs of constructing and operating mining and processing facilities, availability of 
energy , access and transportation costs, delays and repair costs resulting from equipment failure, changes in the regulatory environment, and 
industrial accidents and labour actions or unrest. The occurrence of any of these risks could materially and adversely affect the development of 
a project or the operations of a facility, which could have a material adverse impact upon the Company. 

31 | P a g e  

 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Financial Review 

 (Expressed in thousands of Canadian dollars, except where otherwise indicated) 

16.Risk Factors (continued) 

Uncertainty of Mineral Resource and Mineral Reserve Estimates 
Although  the  mineral  resource  estimates  included  herein  have  been  carefully  prepared  by  independent  mining  experts,  these  amounts  are 
estimates only and no assurance can be given that any particular level of recovery of iron ore or other minerals will in fact be realized or that an 
identified mineral deposit will ever qualify as a commercially mineable (or viable) ore body which can be economically exploited. Additionally, no 
assurance  can  be  given  that  the  anticipated  tonnages  and  grades  will  be  achieved  or  that  the  indicated  level  of  recovery  will  be  realized. 
Estimates  of  mineral  resources  can  also  be  affected  by  such  factors  as  environmental  permitting  regulations  and  requirements,  weather, 
environmental factors, unforeseen technical difficulties, unusual or unexpected geological formations and work interruptions. In addition, the 
grade of ore ultimately mined may differ dramatically from that indicated by results of drilling, sampling and other similar examinations. Short-
term factors relating to mineral resources, such as the need for orderly development of ore bodies or the processing of new or different grades, 
may also have an adverse effect on mining operations and on the results of operations. Material changes in mineral resources, grades, stripping 
ratios or recovery rates may affect the economic viability of projects. Mineral resources are reported as general indicators of mine life. Mineral 
resources should not be interpreted as assurances of potential mine life or of the profitability of current or future operations. There is a degree 
of uncertainty attributable to the calculation and estimation of mineral resources and corresponding grades. Until ore is actually mined and 
processed,  mineral  resources  and  grades  must  be  considered  as  estimates  only.  In  addition,  the  quantity  of  mineral  resources  may  vary 
depending on mineral prices. Any material change in resources or mineral resources, or grades or stripping ratios will affect the economic viability 
of the Company’s projects. 

Uncertainties and Risks Relating to Feasibility Studies 
Feasibility  studies  are  used  to  determine  the  economic  viability  of  a  deposit,  as  are  pre-feasibility  studies  and  preliminary  assessments. 
Feasibility studies are the most detailed and reflect a higher level of confidence in the reported capital and operating costs. Generally accepted 
levels of confidence are plus or minus 15% for feasibility studies, plus or minus 25-30% for pre-feasibility studies and plus or minus 35-40% for 
preliminary assessments. There is no certainty that the Phase II Feasability Study will be realized. While the Phase II Feasability Study is based 
on the best information available to the Corporation, it cannot be certain that actual costs will not significantly exceed the estimated cost. While 
the Corporation incorporates what it believes is an appropriate contingency factor in cost estimates to account for this uncertainty, there can 
be no assurance that the contingency factor is adequate. Many factors are involved in the determination of the economic viability of a mineral 
deposit,  including  the  achievement  of  satisfactory  mineral  reserve  estimates,  the  level  of  estimated  metallurgical  recoveries,  capital  and 
operating cost estimates and estimates of future metal prices. In addition, ongoing mining operations at the Bloom Lake Mine are dependent on 
a  number  of  factors  including,  but  not  limited  to,  the  acquisition  and/or  delineation  of  economically  recoverable  mineralization,  favourable 
geological conditions, seasonal weather patterns, unanticipated technical and operational difficulties encountered in extraction and production 
activities, mechanical failure of operating plant and equipment, shortages or increases in the price of consumables, spare parts and plant and 
equipment, cost overruns, access to the required level of funding and contracting risk from third parties providing essential services. Actual 
operating results may differ from those anticipated in the Phase II Feasability Study. The Corporation’s operations may be disrupted by a variety 
of risks and hazards which  are  beyond its control, including environmental hazards, industrial  accidents, technical failures, labour disputes, 
unusual  or  unexpected  rock  formations,  flooding  and  extended  interruptions  due  to  inclement  or  hazardous  weather  conditions  and  fires, 
explosions or accidents. There is no certainty that metallurgical recoveries obtained in bench scale or pilot plant scale tests will be achieved in 
ongoing commercial operations. Capital and operating cost estimates are based upon many factors, including anticipated tonnage and grades 
of ore to be mined and processed, the configuration of the ore body, ground and mining conditions, expected recovery rates of the metals from 
the  ore  and  anticipated  environmental  and  regulatory  compliance  costs.  Each  of  these  factors  involves  uncertainties,  and  as  a  result,  the 
Corporation cannot give any assurance that the Phase II Feasability Study results will not be subject to change and revisions. 

Dependence on the Bloom Lake Mine 
The Company began generating revenues from the Bloom Lake Mine in April 2018, prior to which its mineral project was at an exploration or pre-
production stage. Therefore, it is subject to many risks common to comparable companies, including under-capitalization, cash shortages and 
limitations  with  respect  to  personnel,  financial  and  other  resources  as  well  as  a  lack  of  revenues.  The  Company  has  historically  incurred 
significant losses as it previously had no sources of revenue (other than interest income).  
While the Company may invest in additional mining and exploration projects in the future, and is working towards the feasibility of a potential 
Phase II expansion, the Bloom Lake Mine is currently the Company’s sole producing asset, providing all of the Company’s operating revenue and 
cash flows. Consequently, a delay or any difficulty encountered in the operations at the Bloom Lake Mine would materially and adversely affect 
the financial condition and financial sustainability of the Company. In addition, the results of operations of the Company could be materially and 
adversely affected by any events which cause the Bloom Lake Mine to operate at less than optimal capacity, including, among other things, 
equipment  failure,  adverse  weather,  serious  environmental  and  safety  issues,  any  permitting  or  licensing  issues  and  any  failure  to  produce 
expected amounts of iron ore. See also "Liquidity/Financing Risk" above.

32 | P a g e  

 
  
 
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Financial Review 

 (Expressed in thousands of Canadian dollars, except where otherwise indicated) 

16.Risk Factors (continued) 

Government Regulation 
Exploration, development and mining of minerals are subject to extensive federal, provincial and local laws and regulations governing acquisition 
of mining interests, prospecting, development, mining, production, exports, taxes, labour standards, occupational health, waste disposal, toxic 
substances, water use, land use, land claims of aboriginal peoples and local people, environmental protection and remediation, endangered and 
protected species, mine safety and other matters. 

Potential Land Claims - First Nations Groups 
The Company conducts its operations in the Province of Québec and in the Province of Newfoundland and Labrador, which areas are subject to 
conflicting First Nations land claims. Aboriginal claims to lands, and the conflicting claims to traditional rights between aboriginal groups, may 
have  an  impact  on  the  Company’s  ability  to  develop  its  properties.  The  boundaries  of  the  traditional  territorial  claims  by  these  groups,  if 
established, may impact the areas which constitute the Company’s properties. Mining licences and their renewals may be affected by land and 
resource rights negotiated as part of any settlement agreements entered into by governments with First Nations. 

Pursuant to section 35 of The Constitution Act of 1982, the Federal and Provincial Crowns have a duty to consult Aboriginal peoples and, in some 
circumstances, a duty to accommodate. When development is proposed in an area to which an Aboriginal group asserts Aboriginal rights and 
titles, and a credible claim to such rights and titles has been made, a developer may be required by the Crown to conduct consultations with 
Aboriginal groups which may be affected by the project and, in some circumstances, accommodate them. The development and the operation 
of the Company’s properties requires the conclusion of IBAs and/or other agreements with the affected First Nations. As a result of the IBAs or 
of other agreements, the Company may incur significant financial or other obligations to affected First Nations. 
 On April 12, 2017, the Company, through QIO, and the band council, Innu of Takuaikan Uashat mak Mani-utenam entered into an IBA with respect 
to operations at Bloom Lake. The IBA is a life-of-mine agreement and provides for real participation in Bloom Lake for the Uashaunnuat in the 
form of training, jobs and contract opportunities, and ensures that the Innu of Takuaikan Uashat mak Mani-utenam will receive fair and equitable 
financial and socio-economic benefits. The IBA also contains provisions which recognize and support the culture, traditions and values of the 
Innu of Takuaikan Uashat mak Mani-utenam, including recognition of their bond with the natural environment.  
The negotiation of any IBAs required in the future for other projects may also significantly delay the advancement of the properties. There can 
be no assurance that the Company will be successful in reaching an IBA or other agreement with the Innu of Takuaikan Uashat mak Mani-utenam 
or other First Nations groups who may assert Aboriginal rights or may have a claim which affects the CFLN Project, Quinto Claims or any of the 
Company’s other projects. 

No Assurance of Titles 
The  acquisition  of  title  to  mineral  projects  is  a  very  detailed  and  time-consuming  process.  Although  the  Company  has  taken  precautions  to 
ensure that legal title to its property interests is properly recorded in the name of the Company or, where applicable, in the name of its joint 
venture partners, there can be no assurance that such title will ultimately be secured. Furthermore, there is no assurance that the interests of 
the Company in any of its properties may not be challenged or impugned. 

Permits and Licenses 
The operations of the Company require licenses and permits from various governmental authorities. The Company believes that it presently 
holds all necessary licenses and permits required to carry on with activities which it is currently conducting under applicable laws and regulations 
and the Company believes it is presently complying in all material respects with the terms of such licenses and permits. However, such licenses 
and permits are subject to change in regulations and in various operating circumstances. There can be no assurance that the Company will be 
able to obtain all necessary licenses and permits required to carry out exploration, development and mining operations at its projects. 

Environmental Risks and Hazards 
The operations of the Company are subject to environmental regulations promulgated by government agencies from time to time. Environmental 
legislation provides for restrictions and prohibitions on spills, releases or emissions of various substances produced in association with certain 
mining  industry  operations,  such  as  see  page  from  tailings  disposal  areas,  which  would  result  in  environmental  pollution.  A  breach  of  such 
legislation may result in the imposition of fines and penalties. In addition, certain types of operations require the submission and approval of 
environmental impact assessments. Environmental legislation is evolving toward stricter standards, and enforcement, fines and penalties for 
non-compliance are becoming more stringent. Environmental assessments of proposed projects carry a heightened degree of responsibility for 
companies and their directors, officers and employees. The cost of compliance with changes in governmental regulations has a potential to 
reduce the profitability of operations.

33 | P a g e  

 
  
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Financial Review 

 (Expressed in thousands of Canadian dollars, except where otherwise indicated) 

16.Risk Factors (continued) 

Environmental Risks and Hazards (continued) 
The Company's operation is subject to environmental regulation primarily by the Department of Environment and Conservation (Newfoundland 
and Labrador) and Ministère du Développement durable, de l’Environnement et des Parcs (Québec). In addition, the Department of Fisheries & 
Oceans (Canada) and the Department of the Environment (Canada) have an enforcement role in the event of environmental incidents. 

Infrastructure and Reliance on Third Parties for Rail Transportation of the Company’s Iron Ore Concentrate 
Some  of  the  Company’s  properties  are  located  in  relatively  remote  areas  at  some  distance  from  existing  infrastructure.  Active  mineral 
exploitation at any such properties would require building, adding or extending infrastructure, which could add to time and cost required for mine 
development. Mining, processing, development and exploration activities depend, to one degree or another, on adequate infrastructure. In order 
to develop mines on its properties, the Company has entered into various agreements for various infrastructure requirements, including for rail 
transportation, power and port access with various industry participants, including external service and utility providers. These are important 
determinants affecting capital and operating costs. The Company has concluded agreements with the relevant rail companies necessary for the 
transportation and handling of the Company’s production of Bloom Lake iron ore but disruptions in their services could affect the operation and 
profitability  of  the  Company.  In  addition,  there  is  no  certainty  that  the  Company  will  be  able  to  continue  to  access  sources  of  power  on 
economically feasible terms for all of its projects and requirements and this could have a material adverse effect on the Company’s results of 
operations and financial condition. 

Reliance on Small Number of Significant Customers 
The Company currently relies on a small number of significant customers in connection with the sale of its iron ore production. As a result of this 
reliance on the limited number of customers, the Company could be subject to adverse consequences if any of these customers breaches their 
purchase commitments. 

Availability of Reasonably Priced Raw Materials and Mining Equipment 
The Company will require a variety of raw materials in its business as well as a wide variety of mining equipment. To the extent these materials 
or equipment are unavailable or available only at significantly increased prices, the Company’s production and financial performance could be 
adversely affected. It is also expected that the required refurbishment at Bloom Lake will require significant financing. 

Dependence on Outside Parties 
The Company has relied upon consultants, engineers and others and intends to rely on these parties for development, construction and operating 
expertise. Substantial expenditures are required to construct mines, to establish mineral reserves through drilling, to carry out environmental 
and social impact assessments, to develop metallurgical processes to extract the metal from the ore and, in the case of new properties, to 
develop the exploration and plant infrastructure at any particular site. If such parties’ work is deficient or negligent or is not completed in a timely 
manner, it could have a material adverse effect on the Company. 

Reliance on Information Technology Systems 
The Company’s operations are dependent upon information technology systems. These systems are subject to disruption, damage or failure 
from  a  variety  of  sources.  Failures  in  our  information  technology  systems  could  translate  into  production  downtimes,  operational  delays, 
compromising of confidential information or destruction or corruption of data. Accordingly, any failure in our information technology systems 
could materially adversely affect our financial condition and results of operation. Information technology systems failures could also materially 
adversely affect the effectiveness of our internal controls over financial reporting. 

Cybersecurity Threats 
The  Company’s  operations  depend,  in  part,  on  how  well  we  and  our  suppliers  protect  networks,  technology  systems  and  software  against 
damage  from  a  number  of  threats,  including  viruses,  security  breaches  and  cyber-attacks.  Cybersecurity  threats  include  attempts  to  gain 
unauthorized access to data or automated network systems and the manipulation or improper use of information technology systems. The 
failure of any part of our information technology systems could, depending on the nature of any such failure, materially adversely impact our 
reputation, financial condition and results of operations. Although to date the Company has not experienced any material losses relating to 
cyber-attacks or other information security breaches, there can be no assurance that we will not incur such losses in the future. The risk and 
exposure to these matters cannot be fully mitigated because of, among other things, the evolving nature of these threats. As cyber threats 
continue to evolve, the Company may be required to expend additional resources to continue to modify or enhance protective measures or to 
investigate and remediate any system vulnerabilities.

34 | P a g e  

 
  
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Financial Review 

 (Expressed in thousands of Canadian dollars, except where otherwise indicated) 

16.Risk Factors (continued) 

Litigation 
All industries, including the mining industry, are subject to legal claims, with and without merit. The Company has in the past been, currently is, 
and may in the future be, involved in various legal proceedings. While the Company believes it is unlikely that the final outcome of these legal 
proceedings will have an adverse material effect on the Company's financial condition and results of operation, defense costs will be incurred, 
even with respect to claims that have no merit. Due to the inherent uncertainty of the litigation process, there can be no assurance that the 
resolution of any particular or several combined legal proceedings will not have a material adverse effect on the Company’s financial condition 
and results of operation. 

OTHER RISKS 

Volatility of Stock Price 
In recent years, the securities markets in Australia and Canada have experienced a high level of price and volume volatility, and the market 
prices of securities of many companies have experienced wide fluctuations in price which have not necessarily been related to the operating 
performance, underlying asset values or prospects of such companies. There can be no assurance that continual fluctuations in price will not 
occur. It may be anticipated that any quoted market for the Ordinary Shares will be subject to market trends generally, notwithstanding any 
potential success of the Company in creating revenues, cash flows or earnings and that the value of the Ordinary Shares will be affected by 
such volatility. 

Internal Controls and Procedures 
Management of the Corporation has established processes to provide them with sufficient knowledge to support representations that they have 
exercised reasonable diligence to ensure that (i) the financial statements of the Corporation do not contain any untrue statement of material 
fact or omit to state a material fact required to be stated or that is necessary to make a statement not misleading in light of the circumstances 
under which it is made, as of the date of and for the periods presented thereby, and (ii) the financial statements of the Corporation fairly present 
in all material respects the financial condition, results of operations and cash flow of the Corporation, as of the date of and for the periods 
presented. The Corporation will file certifications, signed by the Corporation's CEO and CFO, upon filing of the Annual Information Form. In those 
filings, the Corporation’s CEO and CFO will certify, as required by National Instrument 52-109, the appropriateness of the financial disclosure, 
the design and effectiveness of the Corporation’s disclosure controls and procedures and the design and effectiveness of internal controls over 
financial reporting. The Corporation’s CEO and CFO also certify the appropriateness of the financial disclosures in the Corporation’s interim 
filings with securities regulators. In those interim filings, the Corporation’s CEO and CFO also certify the design of the Corporation’s disclosure 
controls and procedures and the design of internal controls over financial reporting. The Corporation’s certifying officers are responsible for 
ensuring that processes are in place to provide them with sufficient knowledge to support the representations they are making in the certificate. 

Insurance and Uninsured Risks 
The Company currently maintains insurance to protect it against certain risks related to its current operations in amounts that it believes are 
reasonable. However, the Company is unable to maintain insurance to cover all risks at economically feasible premiums, and in certain cases, 
insurance coverage may not be available or may not be adequate to cover any resulting liability (such as matters relating to environmental 
pollution). Accordingly, insurance maintained by the Company does not cover all of the potential risks associated with its operations. In addition, 
no  assurance  can  be  given  that  the  current  insurance  maintained  by  the  Company  will  continue  to  be  available  at  economically  feasible 
premiums  or  that  it  will  provide  sufficient  coverage  for  any  future  losses.  Should  liabilities  arise  as  a  result  of  insufficient  or  nonexistent 
insurance, any future profitability could be reduced or eliminated, and delays, increases in costs and legal liability could result, each of which 
could have a material adverse impact upon the Company. 

Potential Conflicts of Interest 
The  directors  and  officers  of  the  Company  may  serve  as  directors  or  officers  of  other  public  resource  companies  or  have  significant 
shareholdings in other public resource companies. Situations may arise in connection with potential acquisitions and investments where the 
other interests of these directors and officers may conflict with the interests of the Company. In the event that such a conflict of interest arises 
at a meeting of the directors of the Company, a director is required to disclose the conflict of interest and to abstain from voting on the matter. 

Dependence on Management and Key Personnel 
The  Company  is  dependent  on  the  services  of  key  executives,  including  a  small  number  of  highly  skilled  and  experienced  executives  and 
personnel.  The  Company’s  development  to  date  has  largely  depended,  and  in  the  future  will  continue  to  depend,  on  the  efforts  of  key 
management and other key personnel to develop its projects. Loss of any of these people, particularly to competitors, could have a material 
adverse impact upon the Company. 

35 | P a g e  

 
  
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Financial Review 

 (Expressed in thousands of Canadian dollars, except where otherwise indicated) 

16.Risk Factors (continued) 

Competitive Conditions 
There is aggressive competition within the mineral exploration and mining industry for the discovery and acquisition of properties considered to 
have  commercial  potential,  and  for  management  and  technical  personnel.  The  Company’s  ability  to  acquire  projects  in  the  future  is  highly 
dependent on its ability to operate and develop its current assets and its ability to obtain or generate the necessary financial resources. The 
Company  will  compete  with  other  parties  in  each  of  these  respects,  many  of  which  have  greater  financial  resources  than  the  Company. 
Accordingly, there can be no assurance that any of the Company’s future acquisition efforts will be successful, or that it will be able to attract 
and retain required personnel. There is no assurance that the Company will continue to be able to compete successfully with its competitors in 
acquiring such properties or prospects. 

Dilution and Future Sales 
The Company may from time to time undertake offerings of its Ordinary Shares or of securities convertible into Ordinary Shares, and may also 
enter into acquisition agreements under which it may issue Ordinary Shares in satisfaction of certain required payments. The increase in the 
number  of  Ordinary  Shares  issued  and  outstanding  and  the  prospect  of  the  issuance  of  Ordinary  Shares  upon  conversion  of  convertible 
securities may have a depressive effect on the price of Ordinary Shares. In addition, as a result of such additional Ordinary Shares, the voting 
power and equity interests of the Company’s existing shareholders will be diluted. In addition, sales of a large number of Ordinary Shares in the 
public markets, or the potential for such sales, could decrease the trading price of the Ordinary Shares and could impair the Company’s ability 
to raise capital through future sales of Ordinary Shares. 

Joint Ventures and Option Agreements 
From time to time several companies may participate in the acquisition, exploration and development of natural resource properties through 
options, joint ventures or other structures, thereby allowing for their participation in larger programs, permitting involvement in a greater number 
of programs and reducing financial exposure in respect of any one program. It may also be the case that a particular company will assign all or 
a  portion  of  its  interest  in  a  particular  program  to  another  of  these  companies  due  to  the  financial  position  of  the  company  making  the 
assignment. In determining whether or not the Company will participate in a particular program and the interest therein to be acquired by it, the 
directors will primarily consider the degree of risk to which the Company may be exposed and its financial position at that time. In some of those 
arrangements, failure of a participant to fund its proportionate share of the ongoing costs could result in its proportionate share being diluted 
and possibly eliminated. 

From time to time, the Company may enter into option agreements and joint ventures as a means of gaining property interests and raising 
funds. Any failure of any option or joint venture partner to meet its obligations to the Company or other third parties, or any disputes with respect 
to third parties’ respective rights and obligations, could have a material adverse effect on such agreements. In addition, the Company may be 
unable to exert direct influence over strategic decisions made in respect of properties that are subject to the terms of these agreements. 

36 | P a g e  

 
  
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Remuneration Report 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

REMUNERATION REPORT 

Unless otherwise noted, the following information is for the Company’s last completed financial year which ended March 31, 2019 and, since the 
Company had one or more subsidiaries during that year, is disclosed on a consolidated basis. The information in the Remuneration Report has 
been audited pursuant to section 308 (3C) of the Corporations Act (Cth) of Australia (“Corporations Act”). All monetary amounts are disclosed in 
Canadian dollars unless expressly stated otherwise. 

In compliance with Section 300A of the Corporation Act and Canadian National Instrument 51-102 – Continuous Disclosure Obligations, this 
Remuneration Report covers Key Management Personnel (“KPM”) including Named Executive Officers (“NEO”) who were actively employed by 
the Company as at the end of the fiscal year (March 31, 2019).  

KPM is defined as “those 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 Champion. NEO means each of the following individuals: 

a)  The Chief Executive Officer (“CEO”) of the Company or each individual who acted in a similar capacity for any part of the most recently 

completed financial year;  

b) 

the Chief Financial Officer (“CFO”) of the Company or each individual who acted in similar capacity for any part of the most recently 
completed financial year;  

c)  each of the three most highly compensated executive officers, or the three most highly compensated individuals acting in a similar 
capacity, other than the Chief Executive Officer and Chief Financial Officer, at the end of the most recently completed financial year 
whose total compensation was, individually, more than $150,000, as determined in accordance with applicable law at the end of that 
financial year; and   

d)  each individual who would be a named executive officer under paragraph (c) but for the fact that the individual was not an executive 

officer of the Company, and was not acting in a similar capacity, at the end of that financial year. 

The following persons were the KPM of the Company, and the NEOs of the Company where indicated, during the financial year ended March 31, 
2019  

Name 

Michael O’Keeffe (NEO and KPM) 
Natacha Garoute (NEO and KPM) 
Miles Nagamatsu (NEO and KPM) 
David Cataford (NEO and KPM) 
Beat Frei (NEO and KPM) 

Gary Lawler (KPM) 
Michelle Cormier (KPM) 
Jyothish George (KPM) 
Andrew J. Love (KPM) 
Wayne Wouters (KPM) 

Position 

Appointment Date 

Resignation Date 

Executive Chairman and CEO(1) 
CFO 
Former CFO 
COO(2) 
Former VP Business Development and 
Finance 
Director 
Director 
Director 
Director 
Director 

August 13, 2013 
August 13, 2018 
March 31, 2014 
March 20, 2017 
- 

April 9, 2014 
April 11, 2016 
October 16, 2017 
April 9, 2014 
November 1, 2016 

- 
- 
August 13, 2018 
- 
September 6, 2018 

- 
- 
- 
- 
- 

(1) 
(2) 

On April 1, 2019, Mr. O’Keeffe stepped down as CEO and remains Executive Chairman of the Board. 
On April 1, 2019, Mr. Cataford was appointed CEO, replacing Mr. O’Keeffe. 

The term "executives" refers to the Company's NEOs and the other members of the Company's senior management team from time to time. 

37 | P a g e  

 
  
 
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Remuneration Report 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

A.  Role of Remuneration and Nomination Committee 

The role of the Remuneration and Nomination Committee is to advise the Board on remuneration for senior executives and directors. As at March 
31, 2019, the Remuneration and Nomination Committee was comprised of Gary Lawler (Chairman), Andrew J. Love and Michelle Cormier, each 
of whom is an independent director and has direct experience that is relevant to his or her responsibilities in executive compensation as set out 
below:  

Gary Lawler (Chairman) - Mr. Lawler has over 30 years’ experience as a practicing corporate lawyer and has been a partner in a number of leading 
Australian law firms. Mr. Lawler has been a director of, and involved in compensation matters for, numerous companies throughout the years. 

Andrew J. Love - Mr. Love is a Chartered Accountant with more than 30 years of experience in corporate recovery and reconstruction in Australia. 
Mr. Love has been an independent company director of a number of companies over a 25-year period. 

Michelle Cormier - Mrs. Cormier is a senior-level executive with experience in management including financial management, corporate finance, 
turnaround and strategic advisory situations and human resources. 

The  Remuneration  and  Nomination  Committee  makes  recommendations  to  the  Board  on  the  executive  remuneration  framework  and  the 
remuneration level of executives including all awards under the long-term incentive (“LTI”) plan, and the short-term incentive (“STI”) award and 
remuneration levels for directors. The aim is to ensure that remuneration policies align with the long-term objectives of the Company, are fair 
and competitive and reflective of generally accepted market practices of its peers. 

B.  Remuneration Philosophy & Approach 

The objective of Champion’s executive remuneration program and strategy is to attract, retain, and motivate talented executives and provide 
incentives  for  executives  to  create  sustainable  shareholder  value  over  the  long  term.  To  achieve  this  objective,  executive  remuneration  is 
designed and based on the following principles: 

1.  To align with Champion’s business - reflect the Company’s performance and transition from a mine exploration and development 

company to an iron ore producing company;  

2.  Pay competitively - reflect each executive’s performance, expertise, responsibilities and length of service to the Company and to set 

overall target remuneration to ensure it remains competitive; 

3.  Pay for performance - align with Champion’s desire to create a performance culture and create direct tangible relationships between 

pay and performance;  

4.  To align with Shareholder interests - align the interests of executives with those of shareholders through the use of awards which 
increase  in  value  when  the  Company’s  share  price  performance  exceeds  that  of  its  peers  and  reduces  in  value  when  it  trails  the 
performance of its peers; and 

5.  Corporate governance - continually review and, as appropriate for Champion, adopt executive remuneration practices that align with 

current market practices. 

38 | P a g e  

 
  
 
 
Champion Iron Limited 
Directors’ Report – Remuneration Report 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

The  Remuneration  and  Nomination  Committee  has  implemented  a  compensation  regime  that  is  designed  to  reflect  the  above  objectives. 
Executive remuneration consists of a combination of salary, annual performance bonus awards or short-term incentives and longer-term equity-
based incentives. A foundation principle of the Company’s remuneration philosophy is the promotion of a strong “performance culture” within 
senior management. 

In determining the level of annual performance bonus awards, the Remuneration and Nomination Committee takes into account the individual 
performance  of  each  executive  and  overall  corporate  performance  against  pre-determined  performance  objectives  and  metrics.  In  setting 
equity-based incentive awards, the Remuneration and Nomination Committee establishes time-based and performance-based vesting criterion. 
If it is deemed appropriate, the Remuneration and Nomination Committee has the authority to seek advice from outside consultants. For further 
discussion, please see “Elements of Executive Remuneration” discussion below. Based on these assessments and within the context of pay for 
performance  principles,  the  Remuneration  and  Nomination  Committee  makes  its  recommendation  to  the  Board  for  approval.  These 
recommendations  may  reflect  factors  and  considerations  other  than  those  indicated  by  market  data  or  provided  by  advisors,  including  a 
consideration of prevailing economic conditions – both on a corporate level and on a national and international level – industry norms for such 
awards and other elements of a NEOs compensation. 

The Remuneration and Nomination Committee and the Board as a whole has discretion to reward above the noted plan parameters when an 
individual or team has made an exceptional contribution to the performance of the Company. 

The  Remuneration  and  Nomination  Committee  has  considered  the  implications  of  the  risks  associated  with  the  Company’s  remuneration 
program by designing an executive remuneration structure in which a significant portion of overall remuneration is subject to the achievement 
of certain milestones, including: (i) criteria relating to annual performance, in the case of bonus payments, (ii) vesting periods for restricted share 
units (“RSUs”) , which vest over three years and (iii) the achievement of performance criteria for performance share units over a period of three 
years (“PSUs”).  

C.  External Advice 

Following the fiscal year 2018 annual and special meeting (the “2018 Meeting”), the Board engaged Mercer Canada Limited (“Mercer”) to provide 
an independent, third party analysis of the remuneration levels and practices for the Company’s executive team as well as the remuneration for 
the Board of Directors. In order to construct market-competitive remuneration arrangements for Champion’s executive team, as well as the 
Company’s independent directors, Mercer benchmarked Champions remuneration against a group of relevant peer companies at similar stages 
of development, operating in the same regional geography and of similar size.  

Mercer received a compensation of $119,434 before sales taxes for the advisory services (executive compensation-related fees) rendered in 
connection with establishing their recommendation on the remuneration program for NEOs and directors for the financial year ended March 31, 
2019 and did not receive any compensation for the fiscal year ended March 31, 2018. 

D.  Elements of Executive Remuneration 

As is the prevailing practice in the mineral exploration and mining industry, remuneration of the NEOs is comprised of four components:  

a) 
b) 
c) 
d) 

base salary (Fixed); 
STI in the form of annual bonus awards (At-Risk); 
LTI in the form of equity-based compensation (At-Risk); and  
personal benefits and perquisites (Fixed).   

The Remuneration and Nomination Committee determined the following elements to be key to executive compensation for the fiscal year 2019.  

39 | P a g e  

 
  
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Remuneration Report 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

2019 Executive Performance Metrics and Incentives:  

Overall Company Objective: 

(1)  To  achieve  operational  performance  and  continue  its  organic  growth  and 

managing dilution to shareholders. 

Key Deliverables: 

The executive team needed to: 

(2)  deliver  operational  performance  while  being  a  low-cost  producer  and  ensuring 

strict adherence to safety culture; and 

(3)  pursue the Company’s organic growth, with the increase ownership in the Bloom 

Lake Mine, its flagship asset. 

(4)  The target bonus was set as a percentage of each NEO’s base salary. The actual 
bonus  was  dependent  on  performance  against  agreed  baseline  benchmarking. 
Individual benchmarks were agreed upon with each employee to reflect key areas 
of their focus / responsibility. 

(5)  The  Company  utilized  time  vesting  RSU  grants  to  incentivize  and  retain  the 

executive team. 

(6)  The Company utilized PSU grants, based in part on performance against a set of 

peer companies. 

Short-term Incentives: 
(Annual Bonus) 

Long-term Incentives: 
(RSUs) 

Long-term Incentives: 
(PSUs) 

i) 

Base Salary 

The base salary for each NEO is reviewed annually by the Remuneration and Nomination Committee, with recommendations made to the Board 
for  final  approval.  The  base  salary  for  each  NEO  is  based  on  relevant  marketplace  information,  experience,  past  performance  and  level  of 
responsibility. For a fully-qualified incumbent in a given position, Champion generally targets salary at around the median of the peer group. The 
Company may pay above or below this target to reflect each incumbent’s relative experience or performance versus the market, or to reflect 
competitive market pressures for a given skill set. 

2019 Base Salary 

The NEO’s base salaries are intended to be competitive with those paid in the iron ore mining industry and align with the Company’s performance. 
The 2019 base salary reflects the adjustments required to the NEO base salary to reflect Champion transitioning from a development stage 
company to an iron ore producer.   

The 2019 salary for each NEO is set out in a table under the heading “2019 Remuneration Awards for the Named Executive Officers”. 

ii) 

Short-term Incentives (Annual Bonus) 

Target bonus levels (as a percentage of salary) are established to achieve total cash compensation (salary + bonus) at or below the median of 
the market when performance is at target levels. In determining annual bonus awards, Champion aims to achieve certain strategic objectives 
and milestones.  An annual target performance bonus award is set for each NEO. The actual performance bonus paid in any year will be based 
on the performance of the NEO against pre-determined Key Performance Indicators (“KPIs”). KPIs will vary for each NEO and each of the KPI will 
reflect key deliverables for a particular year.   

40 | P a g e  

 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Remuneration Report 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

2019 Bonus Awards 

For 2019, the Board set a target bonus for each NEO as follows, based on Mercer’s recommendation: 

NEO 

Michael O’Keeffe 
David Cataford 
Natacha Garoute 

Target Bonus (% salary) 
100% 
100% 
60% 

For the fiscal year ended March 31, 2019, the following financial and operating KPIs were established and evaluated: 

(7)  50% of total bonus - Financial performance objectives (“FPO”) set against the fiscal year ended March 31, 2019 budget:   

o  EBITDA 2  
o 

Free cash flow (“FCF”) 3  

(8)  25% of total bonus: based on meeting the production volume from restart to end of fiscal year ending March 31, 2019 of 7,357,000 dmt at a 

total cash cost per ounce sold of $49.79/dmt;  

(9)  25% of total bonus: based of overall performance imperatives which included transitioning successfully from a development stage company 
to an iron ore producer while meeting health, safety and community targets including ensuring appropriate systems are in place, no fatalities 
and minimal time lost due to injuries (below 2017 APSM) as well as no harmful event to the environment. 

The Board also determined that that the Company's FPO needed to be at least equal to 90% of the base amounts for any amount of the 2019 
Bonus award to be paid in respect of these KPIs. 

The Board also determined that if the Company’s FPOs were to exceed 125% of the base amounts, the target bonus for Ms. Garoute would be 
increased from 60% to 75%. The Company’s FPOs exceeded the base amount by more than 125%. 

The following table sets out the tabulations for 2019 NEO bonus awards.  

NEO 

Michael O’Keeffe 
David Cataford 
Natacha Garoute 

Target 
Bonus  
(% salary) 
100% 
100% 
60% 

Weighted 
Score 

100% 
100% 
125% 

Actual 
Bonus  
(% salary) 
100% 
100% 
75% 

Annual 
Bonus 

$550,000 
$500,000 
$281,250 

In addition to the bonus awarded for the fiscal year ended March 31, 2019, the Board of Directors approved a one time special cash bonus of 
$1,262,500 for Mr. O’Keeffe as a recognition of salary foregone by Mr. O’Keeffe during the formative years of the Company from 2014 to 2018, 
as it evolved from an exploration company to an iron ore producer.  

iii) 

Long-term incentive - Equity-based Incentives 

Equity-based incentives are a particularly important component of compensation in the mining industry, and are a critical component of the 
Company’s remuneration philosophy. These plans are designed to align the interests of the NEOs and other participating employees with the 
interests  of  shareholders  by  linking  a  component  of  compensation  to  the  long-term  performance  of  the  ordinary  shares  of  the  Company 
(the “Shares”). Awards under these arrangements for the NEOs are structured to create total direct compensation (i.e., the combination of salary 
+ bonus + equity-based incentives) with at or above median market positioning, or higher, when performance warrants. 

2  EBITDA is intended to provide additional information to investors and does not have any standardized definition under IFRS. The measure is calculated based on the cash generating 
subsidiary’s net income to which income tax expenses, net finance costs and depreciation expenses are added. It excludes non-cash working capital and is not necessarily indicative 
of operating profit or cash flow from operations as determined under IFRS. Other companies may calculate EBITDA differently. 

3  FCF does not have any standardized definition under IFRS. For the fiscal year ended March 31, 2019, the measure was calculated based on the cash generating subsidiary’s operating 

cash flow before working capital adjustment.  Other companies may calculate FCF differently. 

41 | P a g e  

 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
                                                           
Champion Iron Limited 
Directors’ Report – Remuneration Report 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

2018 Omnibus Plan 

At  the  Company’s  Annual  General  Meeting  held  on  August  18,  2018,  the  Company’s  Shareholders  approved  Champion  Iron  Limited’s  2018 
Omnibus Incentive Plan (“the New Plan”). The previous plan had been in place since October 21, 2013 and had been amended and approved by 
Shareholders on August 29, 2014 and August 18, 2017 (“The Previous Plan”). According to the New Plan the following awards can be granted: 
stock options, restricted share units (“RSUs”), performance share units (“PSUs”), deferred share units (“DSUs”), or other share-based awards 
(“Other Awards”) such as Share Rights. A maximum of 10% of the shares issued and outstanding at any time are reserved for issuance under the 
New Plan. 

Stock Options 

At the discretion of the Board, options may be granted under the New Plan to NEOs taking into account a number of factors, including the amount 
and term of options previously granted, base salary and bonuses and competitive market factors. The Board has the ability establish the expiry 
date  for each stock option,  provided that in  no event will the  expiry  date be later than the date which  is ten years following the  grant date. 
Typically, stock options granted by the Board vest one third (1/3) on each of the grant date and 12 and 24-month anniversaries of grant and are 
issued with a three-year term before expiring.  

2019 Option Grants 

A breakdown of the 2019 option grant for each NEO is shown in a table under the heading “2019 Remuneration Awards for the Named Executive 
Officers”. 

The following table provides the annual burn rate associated with the Previous Plan and the New Plan for each of the Company’s three most 
recent fiscal years: 

Equity Compensation 
Plan 

Fiscal year 

Number of securities granted 
under the plan(1) 

Weighted average 
number of securities 
outstanding(2) 

Annual burn rate(3) 

New and previous 
Plans 

Ended March 31, 2019 

Previous Plan 

Ended March 31, 2018 

Previous Plan 

Ended March 31, 2017 

2,051,946 

420,677,000 

5,000,000 

8,000,000 

398,125,332 

380,212,024 

0.49% 

1.26% 

2.10% 

Notes: 
(1) 
(2) 

(3) 

(4) 

Corresponds to the number of dilutives securities granted under the Previous Plan or the New Plan in the applicable fiscal year. 
The weighted average number of securities outstanding during the period corresponds to the number of securities outstanding at the beginning of the period, adjusted by the 
number of securities bought back or issued during the period multiplied by a time-weighting factor.   
The annual burn rate percent corresponds to the number of dilutives securities granted under the New Plan or the Previous Plan divided by the weighted average number of 
securities outstanding.  
The New Plan came into effect on August 17, 2018.  

Restricted and Performance Share Units 

At  the  August  17,  2018  Annual  and  Special  meeting  of  Shareholders,  the  shareholders  of  Champion  approved  the  proposed  2018  Omnibus 
Incentive Plan (“the New Plan” or “New Omnibus Plan”). Under the New Plan, Restricted Share Units (“RSU”) as well as Performance Share Units 
(“PSU”) may be granted at the discretion of the Board as a long-term incentive to executives taking into account a number of factors, including 
the amount and term of units previously granted, base salary and bonuses and competitive market factors. Granted RSUs and PSUs are notional 
shares that have the same value as Shares and earn dividend equivalents as additional units, at the same rate as dividends paid on the Shares. 
No dividend equivalents will vest unless the associated RSUs and PSUs also vest.   

RSU means an Award Payout that generally becomes vested, if at all, following a period of continuous employment of the Recipient with the 
Company  and  satisfaction  of  other  such  conditions  to  vesting,  if  any,  as  may  be  determined  by  the  Board  from  time  to  time.  The  vesting 
conditions for each RSU are established by the Board at the time of grant, but if no specific conditions are set, the vesting and payable date will 
be December 31 of the third calendar year following the grant date.   

42 | P a g e  

 
  
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Remuneration Report 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

PSU means a share unit on the terms contained in the New Plan, that generally becomes vested, if at all, subject to the attainment of certain 
performance conditions and satisfaction of other such conditions to vesting, if any, as may be determined by the Board from time to time.  

The number of RSUs and PSUs granted is based on the volume weighted average price per Common Share traded on the Toronto Stock Exchange 
over the 5 trading days immediately preceding the grant date.  

Upon vesting each holder of RSUs and PSUs will receive for each vested RSU or PSU one share in the Company which may be issued or acquired 
on market or the cash equivalent of one share in the Company based on the market price of the Company's shares at the time.  In the case of 
holders who are directors of the Company and who wish to receive shares for their RSUs and PSUs, the shares must be acquired on ASX or TSX. 

In the event of a Change of Control (as defined in the New Plan) the Board may, in its sole and absolute discretion and without the need for the 
consent of any participant, cause any or all outstanding stock options, RSUs and PSUs to become vested or immediately exercisable. The Board 
may also take other actions as defined within the New Plan. The New Plan contains detailed provisions which deal with the vesting or forfeiture 
of unvested options, RSUs and PSUs upon death, disability, termination or retirement or resignation of the holder. The Board deems equity awards 
as a valuable retention and incentive mechanism for senior management at this critical stage of the Company’s development.  

2019 RSU and PSU (”2019 LTIP”) Grant  

During the fiscal year ended March 31, 2019, the Board did not grant RSUs and PSUs to NEOs for long term incentive as respect to KPI for the 
year. The issuance for the fiscal year ended March 31, 2019, was granted on April 30, 2019 once the preliminary internal financial results of the 
Company were available.  As for the short-term incentive, a target bonus percentage approach for long-term incentive was adopted with the 
following percentages based on Mercer’s recommendations: 

NEO 

Michael O’Keeffe 
David Cataford 
Natacha Garoute 

Target Bonus  
(% salary) 
125% 
100% 
100% 

Annual  
Equity Awards 
 321,261  
 233,644  
 175,233  

RSU 
 128,504  
 93,457  
 70,093  

PSU 
 192,757  
 140,186  
 105,140  

The 2019 LTIP grant consisted of the following components: 

• 
• 

RSU Grant (40% of LTIP): vesting equally over a 3-year period and subject to no performance hurdles; and 
PSU Grant (60% of LTIP): measured against certain performance conditions over the 3 years following the date of grant and which vest 
at the end of that 3-year period subject to the key performance measures having been met. 

The board has established the following Key Performance Measures for the PSUs. 

• 

• 

• 

40% of the grant based on the performance of the Company’s share price (or Total Shareholder Return (“TSR”)) relative to a peer group, 
between the date of grant and March 31st, 2022. The entire (100%) of the TSR portion of the PSUs granted will vest if the Company's TSR 
exceeds the 75% percentile of the peer group and 50% of the TSR portion of the PSUs granted will vest if the Company's TSR is at the 
50%  percentile  of  the  peer  group.    Proportional  vesting  will  occur  between  the  50%  and  75%  percentiles.  No  vesting  will  occur  if 
Champion's TSR is less than the 50% percentile of the peer group.  
40% of the grant based on cash flow return on capital employed compared to internal targets set by the company and measured over 
a  3-year  period  by  dividing  EBITDA  by  the  Company's  equity  (including  options  and  warrants)  plus  long-term  debt  for  the  year  in 
question.  If the ratio equals or exceeds the corresponding ratio based on the Company's budget for the year in question, 100% of that 
portion of the PSUs grant will vest  If the ratio is less than the ratio based on the Company's budget for the year in question a reduced 
percentage  of  this  portion  of  the  PSUs  grant  will  vest.  No  vesting  will  occur  if  the  ratio  is  less  than  75%  of  the  ratio  based  on  the 
Company's budget for the year in question. 
20% of the grant based on the implementation of the group's strategic initiatives measured over a 3-year period. 

The value of the LTI plan and related grants are reported in a table below under the heading “Summary Remuneration Table”, irrespective of 
whether the performance criteria for vesting had been achieved during such period. The portion of any such LTI awards that vests during any 
year is shown in a second table below (see “Incentive Plan Awards – Value Vested or Earned During the Year”). 

43 | P a g e  

 
  
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Remuneration Report 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

iv) 

Retirement plan contributions and personal benefits 

Champion adopted two different pension plans for its employees, including the NEOs effective as of April 1, 2017 as well as a non-registered 
savings plan. The employees of Québec Iron Ore Inc. are eligible to participate in a defined contribution pension plan while the employees of 
Champion Iron Mines Limited are eligible to participate in a simplified retirement and savings plans. Personal group health and life insurance 
benefits provided to the NEOs are available to all permanent full-time employees of the Company. At the discretion of the Board and based on 
market-prevalent practices, other perquisites may be provided to NEOs in relation to the specific office held by each NEO. 

Eligibility  
Participation  
Contributions  

Maximum Contributions  

Vesting  
Locking-in  
Transfers from other plans  

upon start of employment for all employees 
Full-time employees: compulsory  
Employee 3% of salary  
Additional contributions permitted  
Employer: 6% of salary and additional employee’s contributions matched from 
100% to 200% based on age plus years of service. 
18% of salary, up to a maximum of $26,500 in 2018 within the pension fund or 
retirement and saving plan, excessed in non-registered savings plan 
Immediate  
Yes, except for employee voluntary contributions  
Permitted  

The following table lays out, for each NEO, the accumulated value at start of fiscal year, the compensatory value and the accumulated value at 
the end of the fiscal year ended March 31, 2019. 

Name  

Michael O’Keeffe  
David Cataford  
Natacha Garoute  

Accumulated Value  
at Start of Year  
45,000 
60,000 
- 

Employer’s 
contribution 

Employee’s 
contribution 

Accumulated Value  
At Year End  

33,000 
48,750 
22,969 

16,500 
31,200 
13,125 

94,500 
139,950 
36,094 

2019 Remuneration Awards received by the Named Executive Officers 

Annual base salary, bonus, PSU grants, RSU grants and option granted during the year and for the 2019 KPI were as follows. The PSU and RSU 
grants with respect to the fiscal year ended March 31, 2019, were granted on April 30, 2019. 

Name 

Michael O’Keeffe (1) 
CEO  
Natacha Garoute  (2) 
CFO 
Miles Nagamatsu (2) 
CFO 
David Cataford (3) 
COO 

Annual Base 
Salary  
($) 

Bonus 
($) 

Total Option Grant 
(#) 

Total RSU Grant 
(#) 

Total PSU Grant 
(#) 

550,000 

550,000 

751,900 

128,504 

192,757 

375,000 

281,250 

375,434 

232,217 

105,140 

63,000 

- 

- 

- 

- 

500,000 

500,000 

500,000 

93,457 

140,186 

Beat Frei(4) 
VP Bus. Dev & Head of Finance 

226,042 

- 

- 

- 

- 

(1) 
(2) 

(3) 
(4) 

751,900 share rights were approved by shareholders at the Annual and special meeting in August 2018 for Mr. O’Keeffe. 
Mrs. Garoute was appointed CFO of the Company on August 13, 2018 on the date of Mr. Nagamatsu’s resignation. In respect of her appointment, Ms. Garoute was granted 
375,434 stock options and 162,124 RSUs. The 162,124 RSUs were granted on April 15, 2019, while 200,932 stock options were granted on September 14, 2018 and 174,502 
on April 3, 2019. The remaining RSU’s totaling 70,093 and PSU’s were granted in relation to the fiscal year end KPI. 
Mr. Cataford was granted 500,000 options in June 2018 with respect to the fiscal tear end 2018 KPI. 
Mr. Frei ceased to be VP Bus. Dev. and & of Finance on September 6, 2018. According to the Previous Plan, the 500,000 options granted during the fiscal year ended March 
31, 2019 were cancelled 6 months after his departure. He did not receive any bonus for the fiscal year ended March 31, 2019 nor LTI in the form of equity awards. 

44 | P a g e  

 
  
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Remuneration Report 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

In addition to the bonus awarded for the fiscal year ended March 31, 2019, the Board of Directors approved a one-time special cash bonus of 
$1,262,500 for Mr. O’Keeffe as a recognition of salary foregone by Mr. O’Keeffe during the formative years of the Company from 2014 to 2018 as 
it evolved from an exploration company to an iron ore producer.  

Further information pertaining to the NEOs Remuneration for the past three fiscal years is found in the section, “Tabular Remuneration Disclosure 
for the Named Executive Officers - Summary Remuneration Table”, below. 

Tabular Remuneration Disclosure for the Named Executive Officers 

Summary Remuneration Table 

The following table discloses a summary of remuneration earned by each of Champion’s NEOs for each of the three most recently completed 
financial years ended March 31, 2017, March 31, 2018 and March 31, 2019. As the long-term incentive equity award related for the fiscal year 
ended March 31, 2019 were granted on April 30, 2019, the value of these long-term incentives is not included in the following table. 

Further information pertaining to the NEOs LTI Remuneration for the fiscal year 2019 is presented in the section, “2019 Remuneration Awards 
for the Named Executive Officers”, above. 

Name and 
Principal Position 

Michael O’Keeffe 
CEO  

Natacha Garoute 
CFO 

Miles Nagamatsu 
CFO 

David Cataford 
COO 

Beat Frei(7) 
VP Business Dev 
and Finance 

Year 

2019 
2018 
2017 
2019 

2019 
2018 
2017 

2019 
2018 
2017 

2019 
2018 
2017 

Share-
based 
Awards(1)  
($) 
1,000,027 
Nil 
Nil 
Nil 

Nil 
Nil 
Nil 

Nil 
Nil 
Nil 

Nil 
Nil 
Nil 

Salary 
($) 
550,000 
500,000  
252,804 
234,275(4) 

63,000(5) 
126,000 
124,500 

500,000 
400,000 
253,333 

226,042 
350,000 
240,000 

Option-
based 
Awards(2) 
($)  
Nil 

1,123,922 
514,584 
114,531(4)(i) 

Nil 
Nil 
Nil 
350,000(6) 
437,500 
280,000 
Nil 
879,722(7)(i) 
366,668 

Non-Equity 
incentive plan 
compensation 
Long-
term 
incentive 
plans 
($) 
Nil 
Nil 
Nil 
Nil 

Annual 
incentive 
plans 
($) 
550,000 
Nil 
Nil 
281,250 

Nil 
Nil 
Nil 
500,000 
Nil 
Nil 
Nil 
Nil 
Nil 

Nil 
Nil 
Nil 
Nil 
Nil 
Nil 
Nil 
Nil 
Nil 

Pension 
Value  
($) 
33,000 
Nil 
Nil 
22,969 

All  
Other 
Remuneration  
($) 
1,288,293(3)(i)  
29,125(3)(ii) 
69,661(3)(iii) 
78,814(4)(ii)  

Nil 
Nil 
Nil 
48,750 
Nil 

Nil 
Nil 

Nil 
7,416(5)(i) 
97,410(5)(ii)  
12,557 
1,671,221(6)(i) 
88,033(6)(ii) 
598,174(7)(ii) 
3,065,998(7)(iii) 
165,856(7)(iv) 

Total  
($) 
3,421,320  
1,653,047 
837,049 
731,839 

     63,000 
133,416 
221,910 

1,411,307 
2,508,721 
621,366 

824,216 
4,295,720 
772,524 

% 
At risk 

83% 
70% 
70% 
54% 

0% 
0% 
0% 
61% 
84% 
59% 

73% 
92% 
69% 

Notes:  
(1) 

(2) 

(3) 

(4) 

(5) 

(6) 

(7) 

Share based awards consists of RSUs, PSUs, which are subject to vesting criteria, as well as Share rights. RSUs and PSUs related to the fiscal year ended March 31, 2019 
performance were granted on April 30, 2019. The Share-based awards value is based on the fair market value of the stock price at the time of the grant.  
Option-based awards represent the fair value of stock options granted or recognized in the year under the Company’s New Plan or Previous Plan. Grant date fair value 
calculations for option grants as well as Share Rights issued other the New Plan are based on the Black-Scholes Option Price Model. Option-pricing models require the use of 
highly  subjective  estimates  and  assumptions  including  the  expected  stock  price  volatility.  Changes  in  the  underlying  assumptions  can  materially  affect  the  fair  value 
estimates and therefore, in management’s opinion, existing models do not necessarily provide a reliable measure of the fair value of the Company’s option-based awards. 
(i) Of this amount, $1,262,500 represents a special bonus awarded to Mr. O’Keeffe for recognition of salary foregone during the formative years of the Company as the 
Company  moved  from  an  exploration  company  to  a  company  in  production.  (ii)  Includes  non-monetary  compensation  in  the  amount  of  $26,388  and  $2,797  paid  to  a 
superannuation on behalf of the NEO. (iii) Includes non-monetary compensation in the amount of $52,020 and $17,641 paid to a superannuation on behalf of the NEO. 
Mrs. Garoute was appointed CFO of Champion on August 13, 2018 and did not earn any remuneration from Champion prior to such date. (i) Upon joining the Company, 
Mrs. Garoute was awarded stock options with a value of $250,000 and 200,932 stock options were granted on September 14, 2018 for a value of $114,531. On April 15, 2019, 
Mrs. Garoute was granted 174,502 stock options and 151,863 RSUs. (ii) Includes a signing bonus of $75,000.  
Mr. Nagamatsu resigned as the CFO of the Company on August 13, 2018. (i) Includes on-monetary compensation. (ii) Includes $90,000 in termination payments to a company 
controlled by the NEO, and $7,410 in non-monetary compensation. 
The option-based awards for Mr. Cataford represent the fair value of the 500,000 stock options granted in June 2018 with respect to the fiscal year ended March 31, 2018. 
The other remuneration earned by Mr. Cataford included (i) the payment of a $1,660,000 bonus, $11,221 in non-monetary compensation. (ii) Includes the payment of a $75,000 
bonus, $13,033 in non-monetary compensation. 
Mr. Frei ceased being the VP business development and finance on September 6, 2019. All amounts have been or will be paid to a company controlled by Mr Frei. (i) Option-
based awards represent the fair value of the 500,000 stock options granted in June 2018 with respect to the fiscal year ended March 31, 2018. (ii) Includes termination fees 
totaling $570,000 as well as non-monetary compensation totaling $28,174. (iii) Includes the payment of a $3,000,000 bonus and $65,998 in non-monetary compensation. 
(iv) Includes the payment of a $100,000 bonus and $65,856 in non-monetary compensation. 

45 | P a g e  

 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Remuneration Report 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

Outstanding Share-Based Awards and Option-Based Awards 

The following table sets out the outstanding option-based and share-based awards for NEOs as at March 31, 2019, the end of the Company’s 
most recently completed financial year. 

Option-based Awards 

Number of 
securities 
underlying 
unexercised 
options 
(#)(1) 
3,000,000 

Option  
exercise 
price 
($) 
0.20 

Value of 
unexercised 
in-the-
money 
options 
($)(1) 
5,280,000 

Option  
expiration date 
(M/D/Y) 
April 11, 2020 

200,932 

1.24 

Sept. 14, 2021 

144,471 

Nil 

Nil 

Nil 

Nil 

2,000,000 
500,000 
500,000 
Nil 

0.20 
1.00 
1.33 
Nil 

Apr. 11, 2020 
May 25, 2020 
June 24, 2021 

Nil 

3,520,000 
480,000 
315,000 
Nil 

Name 

Michael O’Keeffe 
CEO  

Natacha Garoute(3) 
CFO 

Miles Nagamatsu(3) 
CFO 

David Cataford 
COO 

Beat Frei(4) 
VP Business Dev and 
Finance 

Share-based Awards(2) 
Market or 
payout value 
of share-
based 
awards that 
have not 
vested 
($) 
Nil 

Market or 
payout value 
of vested 
share-based 
awards not 
paid out or 
distributed 
($) 
Nil 

Number of 
shares or 
units of 
shares that 
have not 
vested  
(#) 
Nil 

Nil 

Nil 

Nil 

Nil 

Nil 

Nil 

Nil 

Nil 

Nil 

Nil 

Nil 

Nil 

(1) 

(2) 

(3) 
(4) 

The value of unexercised in-the-money options noted above is based on the difference between the closing market price of the Company’s Ordinary Shares on the TSX of 
$1.96 on March 31, 2019, and the exercise price of the option.  
Share-based awards consist of RSUs and PSUs and are settled in Shares or cash in accordance with the Company’s New Plan. RSUs vest over a specific period of time while 
PSUs vest upon meeting predetermined performance criteria. For more information regarding RSU and PSU vesting please see Incentive Plan Awards. The market or payout 
value is based on the TSX market closing price of the Shares on March 31, 2019, being $1.96. 
Mrs. Garoute was appointed CFO of the Company on August 13, 2018 on the date of Mr. Nagamatsu’s resignation. 
Mr. Frei ceased to be VP Business Development and Finance on September 6, 2019. The 500,000 stock options granted on June 24, 2018 were not vested and were cancelled 
on October 6, 2019 in compliance with the New Plan. As the stock options were cancelled, there are no stock options outstanding as of March 31, 2019 for Mr. Frei. 

Incentive Plan Awards – Value Vested or Earned During the Year 

The following table discloses incentive plan awards, including annual incentive bonuses and contracted milestone bonuses, vested or awarded 
during the financial year ended March 31, 2019 (all dollar amounts in Canadian dollars): 

Name 

Michael O’Keeffe 
Natacha Garoute 
Miles Nagamatsu 
David Cataford 
Beat Frei 

Value vested during the year ($) 

Value earned during the year ($) 

Option-based awards 

Share-based awards 

330,000 
48,224 
- 
- 
- 

1,000,027 
- 

- 

Non-equity incentive plan 
remuneration 
550,000 
281,250 

500,000 

Note:  Option-based awards value vested during the year is the difference between the market price of the underlying securities at exercise and the exercise price of the options under 
the option-based award on the vesting date. Share-based award value vested during the year is calculated using the Company’s share price on the vesting date. Share-based 
awards consisted of share rights. 

46 | P a g e  

 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Remuneration Report 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

The following table provides information about the number of options or share rights exercised, underlying shares sold and value realized by 
each NEO during the financial year ended March 31, 2019 based on the stock price at the time of exercise: 

Name 

Michael O’Keeffe 
Natacha Garoute 
David Cataford 
Beat Frei 

Option-based awards and 
share rights 
exercised during the year 
(#) 

Underlying shares 
sold 
(#) 

Aggregate value 
realized 
($) 

2,751,900 
- 
- 
1,250,000 

- 
- 
- 
- 

- 
- 
- 
- 

Agreements with Named Executive Officers (NEOs) 

The Company has written consulting services contracts with its NEOs. Some of the contracts provide for the payment and provision of other 
benefits triggered by a termination without cause as described below. None of the contracts provide for the payment and provision of other 
benefits triggered as a result of a change of control. 

Michael O’Keeffe – Chairman and Chief Executive Officer (as at March 31, 2019) 

Mr.  O’Keeffe  was  appointed  interim  CEO  on  August  13,  2015.  On  August  13,  2015,  Mr.  O’Keefe  and  Champion  entered  into  an  employment 
agreement under which Mr. O’Keefe is entitled to participate in all elements in the executive remuneration program as well as any group insurance 
or health benefit plans the Company establishes. Mr. O’Keeffe does not receive any additional remuneration for his services as a director. On 
April 1, 2019, Mr. O’Keeffe stepped down as CEO and remains Executive Chairman of the Board. 

Mr. O’Keeffe’s employment agreement includes termination remuneration and benefit scenarios. Under the terms of Mr. O’Keeffe’s employment 
agreement  no  compensation  other  than  compensation  earned  prior  to  the  date  of  termination  is  payable  by  the  Company  in  the  event  the 
employment agreement is terminated for just cause, voluntarily terminated or terminated due to death.  

The Company may terminate the employment agreement at any time without cause by providing 12 months’ notice, pay in lieu of notice or a 
combination of notice or pay in lieu thereof which covers the 12-month notice period. The amount of severance pay payable if the Company 
terminates the employment agreement under this scenario would be an amount equal to the total of the then current 12 month base salary. If 
Mr. O’Keeffe resigns due to an event that constitutes constructive dismissal under common law and constructive dismissal did, in fact, exist at 
the time of Mr. O’Keeffe’s resignation, the Company will be required to pay severance equal to that which would have been payable had Mr. 
O’Keeffe been terminated without cause above. 

Natacha Garoute - Chief Financial Officer 

Mrs. Garoute was appointed Chief Financial Officer of the Company on August 13, 2018. On August 13, 2018, Mrs. Garoute and Champion entered 
into an employment agreement under which Mrs. Garoute is entitled to participate in all elements in the executive remuneration program as well 
as any group insurance or health benefit plans the Company establishes.   

Mrs. Garoute’s employment agreement includes termination remuneration and benefit scenarios. Under the terms of Mrs. Garoute’s employment 
agreement,  no  compensation  other  than  compensation  earned  prior  to  the  date  of  termination  is  payable  by  the  Company  in  the  event  the 
employment agreement is terminated for just cause, voluntarily terminated or terminated due to death.  

The  Company  may  terminate  the  employment  agreement  at  any  time  without  cause  by  providing  60  days’  notice,  pay  in  lieu  of  notice  or  a 
combination of notice or pay in lieu thereof which covers the  60 days’ notice period. The amount of severance pay payable  if the Company 
terminates the employment agreement under this scenario would be an amount equal to the total of the then current 12-month base salary. If 
Mrs. Garoute resigns due to an event that constitutes constructive dismissal under common law and constructive dismissal did in fact exist at 
the  time  of  Mrs.  Garoute’s  resignation,  the  Company  will  be  required  to  pay  severance  equal  to  that  which  would  have  been  payable  had 
Mrs. Garoute been terminated without cause above. 

47 | P a g e  

 
  
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Remuneration Report 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

David Cataford – Chief Operating Officer (as at March 31, 2019) 

Mr. Cataford was appointed Chief Operating Officer of the Company on March 20, 2017. On March 20, 2013 Mr. Cataford and Champion entered 
into an employment agreement under which Mr. Cataford is entitled to participate in all elements in the executive remuneration program as well 
as any group insurance or health benefit plans the Company establishes.   

Mr. Cataford’s Employment Agreement includes termination remuneration and benefit scenarios. Under the terms of Mr. Cataford’s employment 
agreement  no  remuneration  other  than  remuneration  earned  prior  to  the  date  of  termination  is  payable  by  the  Company  in  the  event  the 
employment agreement is terminated for just cause, voluntarily terminated or terminated due to death.  

The  Company  may  terminate  the  employment  agreement  at  any  time  without  cause  by  providing  60  days’  notice,  pay  in  lieu  of  notice  or  a 
combination of notice or pay in lieu thereof which covers the 60 days’ notice period.  The amount of severance pay payable if the Company 
terminates the employment agreement under this scenario would be an amount equal to the total of the then current 12 month base salary. If 
Mr. Cataford resigns due to an event that constitutes constructive dismissal under common law and constructive dismissal did, in fact exist at 
the time of Mr. Cataford’s resignation the Company will be required to  pay  severance equal to that which would  have been payable had Mr. 
Cataford been terminated without cause above. 

Former CFO 

Mr. Nagamatsu resigned on August 13, 2018. Under the Service Agreement between Marlborough Management Limited, a company controlled 
by Mr. Nagamatsu, and the Company, annual consulting fees of $126,000 were payable. The service agreement could be terminated at anytime 
and no termination benefit were payable.  

Former VP Business Development and Finance 

Mr. Frei ceased to be VP Business Development and Finance on September 4, 2019. He received a termination payment totalling $570,000. 

The following table sets forth the estimated incremental payments that would have been required to have been made to each NEO, assuming a 
triggering event (change of control or termination without cause) took place on March 31, 2019.   

Estimated Cash Payout on Termination 

Name and principal 
position 

Without Cause 
($) 

Change of Control (1) 
($) 

Estimated Value Vested Option Awards 
on Termination without Cause (1)(2) 
($) 

Michael O’Keeffe,  
CEO and Executive 
Chairman 
Natacha Garoute  
CFO 
David Cataford 
COO 

550,000  

375,000 

500,000 

Nil  

Nil 

Nil 

5,280,000 

48,224 

4,315,000 

(1) 
(2) 

The NEOs contracts do not provide for the payment and provision of other benefits triggered as a result of a change of control. 
This amount is based on the difference between the closing market price of the Company’s Ordinary Shares on the TSX of $1.96 per share on March 31, 2019, and the exercise 
price of all “in-the-money” options.  

48 | P a g e  

 
  
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Remuneration Report 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

Performance graph 

The following graph and table is a reporting requirement under Canadian securities laws, and compares the Company’s five-year cumulative 
total shareholder return had $100 been invested in the Company on the first day of the five-year period at the closing price of the Ordinary Shares 
on that date being April 1, 2014, with the cumulative total return of the S&P/TSX Composite Index and the S&P/TSX Global Mining Index over the 
five most recently completed fiscal years ended on March 31. The Ordinary Shares of the Company have been listed and posted for trading under 
the trading symbol “CIA” on the ASX since April 3, 2014 and on the TSX since March 31, 2014. 

Champion Common Share

Champion Iron Ltd (ASX)

2014

2015

2016

2017

2018

2019

$                  

100

$                   

30

$                    

41

$                  

210

$                 

239

$                 

400

$                  

100

$                   

23

$                   

36

$                  

182

$                  

210

$                 

386

S&P/TSX Global Base Metal Index (TXBM.TS)

$                  

100

$                   

89

$                   

58

$                   

90

$                  

105

$                    

97

S&P/TSX Composite Index

NEO Compensation

Champion Common Share

Champion Iron Ltd (ASX)

$                  

100

$                  

104

$                   

94

$                  

108

$                  

107

$                  

112

$                  

100

$                   

66

$                   

52

$                  

100

$                 

303

$                 

228

$                

0.49

$                 

0.15

$                

0.20

$                 

1.03

$                  

1.17

$                 

1.96

$                

0.56

$                 

0.13

$                

0.20

$                 

1.02

$                 

1.18

$                 

2.16

S&P/TSX Global Base Metal Index (TXBM.TS)

$            

122.22

$             

108.71

$              

70.30

$              

110.17

$             

127.81

$             

118.77

S&P/TSX Composite Index

NEO Total Compensation C$

$             

14,381

$            

14,902

$            

13,494

$            

15,548

$            

15,367

$             

16,102

$      

2,828,923

$      

1,868,940

$       

1,467,439

$      

2,838,145

$      

8,585,370

$       

6,451,755

Note: Sourced from Bloomberg. Cumulative Total Shareholder Return assuming dividend reinvestment 

Note: assuming an investment of $100 on April 1, 2014 with a Champion share price of $0.49, the TSX S&P Composite index at $14,381 and the S&P/TSX Global Base Metal index at 
$122.22 with all dividends reinvested. 

From April 1, 2014 to March 31, 2019, the share price of the Company increased by 300% compared to an increase of 12% and a decrease of 3% 
in the S&P/TSX Composite and in the S&P/TSX Global base Metal Index, respectively, during the corresponding five-year period. During the same 
period, the aggregate remuneration of all individuals acting as NEOs increased by 170%, from a base of $2,828,923 in 2014 to $6,451,755 in 2019. 

This increase in aggregate remuneration for all NEOs over the five-year period can be attributed to several factors, including the ongoing growth 
in the size and complexity of the business along with the development of the Company as it transitioned from development to production.  

49 | P a g e  

 
  
 
 
 
  
 
Champion Iron Limited 
Directors’ Report – Remuneration Report 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

Accordingly, the Company’s share price has significantly outperformed its peers over since April 1, 2014, while also outpacing the growth in NEO 
remuneration. The Board is of the view that this has been driven primarily by management’s  advancement of the Bloom Lake iron ore mine 
through stages of  evaluation, financing, and acquisition restart of the operation, and  production ramp-up, on  an expedited basis and within 
budgeted constraints and the operational and financial performance generated by the Bloom Lake iron ore mine since it went into production. 

As discussed above, the majority of NEO remuneration is “at risk”, as STI (bonus) and LTI remuneration are tied directly to directly to relative 
and/or  absolute shareholder returns. As a consequence, actual NEO remuneration will increase with the out-performance of  the Company’s 
share price, but conversely decrease in the face of an underperforming share price. The Board believes this is the ultimate test of the “pay-for-
performance” principle and true alignment of NEO remuneration with shareholder returns. 

DIRECTOR REMUNERATION 

Remuneration Philosophy and Approach 

The remuneration arrangements for non-executive directors are intended to attract highly qualified individuals with the capability to meet the 
challenging oversight responsibilities of a mining company and to closely align non-employee directors’ interests with shareholder interests.  
Since the introduction of the New Plan in August 2018 (see “Remuneration Arrangements for Directors”, below for details on the plan), non-
employee directors may receive equity-based remuneration in the form of DSU grants. 

The Remuneration and Nomination Committee reviews director compensation at least once a year, and makes remuneration recommendations 
to the Board for its review and approval. Recommendations take into consideration the directors’ time commitment, duties and responsibilities, 
and director Remuneration practices and levels at comparable companies. 

Remuneration Arrangements for Directors 

In conjunction with the review of executive compensation for 2019, the Remuneration and Nomination Committee of the Board engaged Mercer 
to  provide  an  independent,  third  party  analysis  of  the  company’s  director  compensation  levels  and  practices.  Based  on  the  findings  and 
recommendations of the 2019 Mercer report, the Board set the following non-executive director remuneration framework starting August 2018: 

a)  Annual cash retainer of $135,000 for non-executive directors;  
b)  Cash retainer of $15,000 for Chair of Audit and Remuneration and Nomination Committees; 
c)  Cash retainer of $5,000 for Committee members; 
d)  No additional fees are paid for attendance at Board or committee meetings; and  
e)  Directors have all reasonable expenses covered when travelling on Company business.   

In addition, based on the findings and recommendations of Mercer, the Board adopted the New Plan on June 24, 2018 to more closely align non-
employee directors directly with the interests of Shareholders. The New Plan was subsequently ratified by the shareholders of the Company at 
the 2018 Meeting. The purpose of the DSU portion of the New Plan is to promote the alignment of interests between directors and Shareholders 
and it is an important component of non-employee director Remuneration because it: 

f)  provides  a  remuneration  system  for  directors  that  is  reflective  of  the  responsibility,  commitment  and  risk  accompanying  Board 

membership;  

g)  assists the Company to attract and retain individuals with experience and ability to serve as members of the Board; and  
h)  allows the directors to participate in the long-term success of the Company. 

Directors  may  elect  to  receive  all  or  a  portion  of  any  of  their annual  fees  in  DSUs.  The  Board's  current  policy  is  that  until  directors  obtain  a 
shareholding which satisfies a share ownership level equivalent to three times their annual cash retainer, Directors must elect to receive a portion 
of their annual fees in DSUs. All DSU grants are approved by the Board. DSUs are priced at the greater of the five (5) day volume weighted average 
price of the Shares over the last five (5) trading days preceding the grant, and the closing price of the Shares on the last trading day preceding 
the grant. DSUs issued under the New Plan may be settled in shares acquired on ASX or TSX at the time of the directors’ retirement from all 
positions with the Company. 

50 | P a g e  

 
  
 
 
 
 
Champion Iron Limited 
Directors’ Report – Remuneration Report 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

Tabular Remuneration Disclosure for the Directors 

Director Remuneration Table  

The  following  table  discloses  all  compensation  provided  to  the  directors,  other  than  any  directors  who  are  NEOs  of  the  Company,  for  the 
Company’s most recently completed financial year ending March 31, 2019. All DSUs, except where noted, were fully vested on March 31, 2019 
(all dollar amounts in Canadian dollars). 

Name 

Gary Lawler 
Michelle Cormier 

Jyothish George 

Andrew J. Love 
Wayne Wouters 

Fees paid 

Fees earned 
in cash 
($) 
137,725 
122,665 

Nil 

137,725 
112,665 

Fees 
earned 
in DSU ($) 
22,275 
22,335 

Nil 

22,275 
22,335 

Other Share-
based awards 
($) 
Nil 
Nil 

Option-based 
awards 
($) 
Nil 
Nil 

All other 
compensation 
($) 
Nil 
Nil 

Nil 

Nil 
Nil 

Nil 

Nil 
Nil 

Nil 

Nil 
Nil 

Total 
($) 
160,000 
145,000 

Nil 

160,000 
135,000 

The following table provides a detailed breakdown of the fees paid to our non-employee directors for the year ended March 31, 2019. Fees are 
paid quarterly (all dollar amounts in Canadian dollars).   

Name 

Gary Lawler 
Michelle Cormier 
Jyothish George 
Andrew Love 
Wayne Wouters 

Board 
Retainer Fee 
($) 
135,000 
135,000 
Nil 
135,000 
135,000 

Committee 
Retainers 
($) 
25,000 
10,000 
Nil 
25,000 
Nil 

Meeting 
Fees 
($) 
Nil 
Nil 
Nil 
Nil 
Nil 

Fees Paid in 
Cash 
($) 
137,725 
122,665 
Nil 
137,725 
112,665 

Fees Earned 
in DSUs 
($) 
22,275 
22,335 
Nil 
22,275 
22,335 

Total  
Fees 
($) 
160,000 
145,000 
Nil 
160,000 
135,000 

Outstanding Share-Based Awards and Option-Based Awards 

Outstanding option and share-based awards for non-executive directors as at March 31, 2019, the end of the Company’s most recently completed 
financial year, are set out in the following table (all dollar amounts in Canadian dollars):  

Option-based Awards 

Share-based Awards 

Number of 
securities 
underlying 
unexercised 
options 
(#)(2) 
300,000 
500.000 
Nil 
300,000 
500,000 

Option  
exercis
e price 
($) 
1.08 
1.00 
Nil 
1.08 
0.30  November 4, 2019 

Option  
expiration date 
(M/D/Y) 
July 11, 2020 
August 21, 2020 
Nil 
July 11, 2020 

Value of 
unexercised 
in-the-money 
options 
($)(1) 
264,000 
480,000 
Nil 
264,000 
830,000 

Number of 
shares or 
units of 
shares that 
have not 
vested 
(#)(3) 
Nil 
Nil 
Nil 
Nil 
Nil 

Market or 
payout 
value of 
share-base
d awards 
that have 
not vested 
($)(1) 
Nil 
Nil 
Nil 
Nil 
Nil 

Market or payout 
value of vested 
share-based 
awards not paid 
out or distributed 
($)(1) 
11,052 
12,698 
Nil 
11,052 
13,464 

Name 

Gary Lawler 
Michelle Cormier 
Jyothish George 
Andrew J. Love 
Wayne Wouters 

Notes: 
(1) 

The value of unexercised in-the-money options and DSUs noted above is based on the TSX market closing price of the Shares on March 31, 2019, being $1.96 and the exercise 
price.  

51 | P a g e  

 
  
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Remuneration Report 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

Incentive Plan Awards – Value Vested or Earned During the Year 

The following table discloses incentive plan awards to non-executive directors for the year ended March 31, 2019 (all dollar amounts in 
Canadian dollars):  

Name 

Gary Lawler 
Michelle Cormier 
Jyothish George 
Andrew J. Love 
Wayne Wouters 

Option-based awards 
Value vested during the year 
($) 
88,000 
160,000 
Nil 
88,000 
Nil 

Share-based awards 
Value vested during the year 
($) 
22,275 
22,335 
Nil 
22,275 
22,335 

Non-equity incentive plan 
Remuneration 
Value earned during the year 
($) 
Nil 
Nil 
Nil 
Nil 
Nil 

Note:  Option-based awards value vested during the year are calculated using the Company’s share price on March 31, 2019 and the exercise price. The share-based awards value 

vested during the year are calculated using the Company’s share price on the vesting date. 

DIRECTORS’ ATTENDANCE 

Name 

BOARD Meeting 

AUDIT 
COMMITTEE 

REMUNERATION COMMITTEE 

Michael O’Keeffe 

Gary Lawler 

Michelle Cormier 

Jyothish George 

Andrew Love 

Wayne Wouters 

12 of 12 

12 of 12 

11 of 12 

10 of 12 

12 of 12 

12 of 12 

N/A 

6 of 7 

7 of 7 

N/A 

7 of 7 

N/A 

N/A 

3 of 3 

3 of 3 

N/A 

3 of 3 

N/A 

52 | P a g e  

 
  
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Remuneration Report 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

DETAILS OF TOTAL REMUNERATION FOR KPM AND NEO AND DIRECTORS 

Year ended  
March 31, 2019 

Short term 
($) 

Salary 

Consulting 
fees 

Michael O’Keeffe1 

550,000 

137,725 

137,725 

122,665 

112,802 

– 

500,000 

309,275 

Gary Lawler 

Andrew J. Love 

Michelle Cormier 

Wayne Wouters2 

Jyothish George 

David Cataford 

Natacha Garoute3 

Miles Nagamatsu4 

Beat Frei5 

Bonus 

1,812,500  

Non-
monetary 
25,766 

– 

– 

– 
‒ 
– 

– 

– 

– 

– 

– 

500,000 

12,557 

281,250 

3,814 

– 

– 

– 

– 

– 

– 

– 

– 

– 

– 

63,000 

226,042 

– 

– 

– 

28,174 

570,000  

Termination 
payments 
($) 

Pension 
($) 

Options/  
share rights 
($) 

Total 
($) 

Performance 
related 

Consisting  
of options/  
share rights 

– 

– 

– 

– 
‒ 
– 

– 

– 

– 

33,000  

1,000,027 

3,421,320 

82.21% 

29.23% 

– 

– 

– 
‒ 
– 

22,275 

160,000 

22,275 

160,000 

22,335 

145,000 

22,198 

135,000 

– 

– 

48,750  

350,000 

1,411,307 

22,969  
‒ 
‒ 

114,531  

731,939 

– 

‒ 

63,000 

824,216 

– 

– 

– 
‒ 
– 

35.43% 

38.43% 

– 

– 

13.92% 

13.92% 

15.40% 

16.44% 

– 

24.80% 

15.65% 

– 

– 

 TOTAL 

1,870,292  289,042 

2,593,750 

70,312 

570,000 

104,719 

1,553,641 

7,051,755 

1. 

2. 
3. 
4. 
5. 

Mr. O’Keeffe bonus includes his annual short-term incentive of $550,000 and a one-time special cash bonus of $1,262,500 for Mr. O’Keeffe as a recognition of salary foregone 
by Mr. O’Keeffe during the formative years of the Company from 2014 to 2018, as it evolved from an exploration company to an iron ore producer. 
Paid to 2468435 Ontario Inc., a company controlled by Mr. Wouters. 
Ms. Garoute’s salary includes a signing bonus of $75,000. 
Paid to Marlborough Management Limited, a company controlled by Mr. Nagamatsu. 
Paid to Comforta GmbH, a company controlled by Mr. Frei. 

53 | P a g e  

 
  
 
 
 
  
 
 
  
  
  
  
 
 
 
 
Champion Iron Limited 
Directors’ Report – Remuneration Report 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

DETAILS OF TOTAL REMUNERATION FOR KPM AND NEO AND DIRECTORS 

Year ended  
March 31, 2018 

Short term 
($) 

Salary 

Consulting 
fees 

Bonus7 

Michael O’Keeffe 

500,000 

Gary Lawler 

Andrew J. Love 

Michelle Cormier 

Wayne Wouters1 

Jyothish George2 

88,750 

88,750 

– 

– 

– 

David Cataford 

400,000 

Miles Nagamatsu3 

Beat Frei4 

– 

– 

– 

– 

– 

75,000 

75,000 

– 

– 

– 

– 

– 

– 
‒ 
– 

1,660,000 

126,000 

– 

Non-
monetary 
26,388 

– 

– 

– 
‒ 
– 

8,424 

7,416 

350,000 

3,000,000 

65,998 

 TOTAL 

1,077,500  626,000  4,660,000 

108,226 

– 

– 

– 

– 
‒ 
– 

– 

– 

– 

Termination 
payments 
($) 

Pension 
($) 

Options/  
share rights 
($) 

Total 
($) 

Performance 
related 

Consisting 
of options/  
share rights 

2,7975 

1,123,922 

1,650,310 

65.30% 

68.00% 

8,4316 

8,4316 

99,750 

188,500 

99,750 

188,500 

134,583 

209,583 

– 

– 

437,500 

75,000 
‒ 
2,505,924 

– 
‒ 
– 

2,7975 
‒ 
‒ 

– 

– 
‒ 
‒ 
– 

50.70% 

50.70% 

64.20% 

– 

– 

74.80% 

17.40% 

– 

133,416 

– 

– 

879,722 

4,295,720 

90.10% 

20.50% 

1. 
2. 
3. 
4. 
5. 
6. 
7. 

Paid to 2468435 Ontario Inc., a company controlled by Mr. Wouters. 
Appointed as a director on October 16, 2017. 
Paid to Marlborough Management Limited, a company controlled by Mr. Nagamatsu. 
Paid to Comforta GmbH, a company controlled by Beat Frei. 
Amount relates to employer portion of contributions to the Canada Pension Plan/Quebec Pension Plan. 
Amount relates to superannuation. 
2,660,000 related to FY17 performance and 2,000,000 related to FY18 performance. 

2,775,227 

‒

9,246,95
3 

54 | P a g e  

 
  
 
 
 
 
  
 
 
  
  
  
 
  
  
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Remuneration Report 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

MOVEMENT OF EQUITY HELD BY KEY MANAGEMENT PERSONNEL (NAMED EXECUTIVE OFFICERS AND DIRECTORS) 

Stock Options 

Name 

Michael O’Keeffe 
Natacha Garoute 
Miles Nagamatsu 
David Cataford 
Gary Lawler 
Michelle Cormier 
Jyothish George 
Andrew Love 
Wayne Wouters 
Beat Frei 

Balance 
April 1, 2018 

12,500,000(1) 
Nil 
Nil 
2,500,000 
300,000 
500,000 
Nil 
300,000 
500,000 
1,250,000 

Grant 

Exercised 

Cancelled 

Nil 
200,932 
Nil 
500,000 
Nil 
Nil 
Nil 
Nil 
Nil 
500,000 

2,000,000 
Nil 
Nil 
Nil 
Nil 
Nil 
Nil 
Nil 
Nil 
1,250,000 

Nil 
Nil 
Nil 
Nil 
Nil 
Nil 
Nil 
Nil 
Nil 
500,000 

Held and 
Vested 
10,500,000 
66,977 
Nil 
3,000,000 
200,000 
333,333 
Nil 
200,000 
500,000 
Nil 

Unvested 

Nil 
133,955 
Nil 
Nil 
100,000 
166,667 
Nil 
100,000 
Nil 
Nil 

(1) 

Including 7,500,000 compensation options 

Common Shares 

Name 

Michael O’Keeffe 
Natacha Garoute 
Miles Nagamatsu(1) 
David Cataford 
Gary Lawler 
Michelle Cormier 
Jyothish George 
Andrew Love 
Wayne Wouters 
Beat Frei(2) 

Balance 
April 1, 2018 

Purchased 

Acquired upon 
vesting of equity 
award 

Sold 

Balance 
March 31, 2019 

36,676,930 
Nil 
1,211,916 
1,019,698 
1,475,000 
20,000 
Nil 
1,379,468 
40,000 
4,600,354 

Nil 
Nil 
n/a  
Nil 
25,000 
Nil 
Nil 
102,950 
Nil 
n/a 

2,751,900 
Nil 
n/a 
Nil 
Nil 
Nil 
Nil 
Nil 
Nil 
n/a 

Nil 
Nil 
n/a 
Nil 
Nil 
Nil 
Nil 
Nil 
Nil 
n/a 

39,428,830 
Nil 
n/a 
1,019,698 
1,500,000 
20,000 
Nil 
1,482,418 
40,000 
n/a 

(1)  Mr. Nagamatsu ceased to be a NEO on August 13, 2018 and as such is no longer required to disclose the transaction on Champion Iron Ltd common shares. 
(2)  Mr. Frei ceased to be a NEO on September 6, 2018 and as such is no longer required to disclose the transaction on Champion Iron Ltd common shares. 

55 | P a g e  

 
  
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report – Remuneration Report 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

SECURITIES AUTHORIZED FOR ISSUANCE UNDER EQUITY REMUNERATION PLANS 

The following table sets out, as at March 31, 2019, the end of the Company’s last completed financial year, information regarding outstanding 
options, RSUs, PSUs and DSUs granted by the Company under the New Plan and the Previous Plan. As at March 31, 2019, the number of issued 
and outstanding Shares of the Company was 430,469,747.   

Equity Remuneration Plan Information   

Number of securities to 
be issued upon exercise 
of outstanding options, 
PSUs, RSUs and DSUs 
(a) 
8,779,832 (Options) 
70,214 (DSUs) 

Nil 

8,850,046 

Weighted-average 
exercise price of 
outstanding options 
(b) 

Number of securities remaining 
available for future issuance 
under equity Remuneration plans 
(excluding securities reflected in 
column (a)) 
(c) 

$0.60 

N/A 

$0.60 

34,196,929 

N/A 

34,196,929 

Plan Category 
Equity Remuneration plans approved by 
securityholders  

Equity Remuneration plans not approved 
by securityholders  
Total 

INDEBTEDNESS OF DIRECTORS AND EXECUTIVE OFFICERS 

As at the date of this Remuneration Report or within 30 days of this date, no executive officer, director, employee or former execute officer, 
director  or  employee  of  the  Company  or  any  of  its  subsidiaries  is  indebted  to  the  Company,  or  any  of  its  subsidiaries,  nor  are  any  of  these 
individuals indebted to another  entity, which indebtedness is the subject of a guarantee, support agreement, letter of credit or other similar 
arrangement or understanding provided by the Company, or its subsidiaries with the exception of Mr. Cataford. On June 24, 2018, the Board of 
directors  approved  the  issuance  of  a  5-year  interest  free  loan  of  $500,000  to  Mr.  Cataford.  The  loan  is  secured  by  way  of  mortgage  over  a 
property. 

INTEREST OF INFORMED PERSONS IN MATERIAL TRANSACTIONS 

None of the directors or executive officers of the Company,  persons beneficially owning, directly or indirectly, shares carrying more than 10% of 
the voting rights attached to all outstanding shares of the Company nor any associate or affiliate of the foregoing persons has any material 
interest,  direct  or  indirect,  in  any  transaction  since  the  commencement  of  the  Company’s  last  completed  financial  year  or  in  any  proposed 
transaction which has or will materially affect the Company except as disclosed elsewhere in this Circular.  

Except  as  set  out  in  the  Remuneration  Report,  there  are  no  management  functions  of  the  Company  which  are  to  any  substantial  degree 
performed by a person or company other than the directors or executive officers of the Company.  

MANAGEMENT CONTRACTS 

56 | P a g e  

 
  
 
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Report  

INDEMNIFICATION AND INSURANCE OF DIRECTORS AND OFFICERS 

There are indemnities in place for directors and officers insurance policies in regard to their positions. 

Significant changes in state of affairs 

There have been no significant changes in the state of affairs of Champion, other than those disclosed in this report. 

PROCEEDINGS ON BEHALF OF THE COMPANY 

No person has applied for leave of court to bring proceedings on behalf of the Company or intervene in any proceedings to which the Company 
is a party for the purpose of taking responsibility on behalf of the Company for all or any part of those proceedings. 
The Company was not a party to any such proceedings during the year. 

To the extent permitted by law, the Company has agreed to indemnify its auditors, Ernst & Young Australia, as part of the terms of its audit 
engagement agreement against claims from third parties arising from the audit (for an unspecified amount). No payment has been made to 
indemnify Ernst & Young during or since the end of the financial year. 

INDEMNITY OF AUDITORS 

NON-AUDIT SERVICES 

Ernst & Young performed other services in addition to their statutory duties. The details and remuneration for these services is disclosed in Note 
32 of the consolidated financial statements. The Directors have considered the non-audit services provided during the year by the auditor, and 
are satisfied that the provision of non-audit services by the auditor during the year is compatible, and not compromise, the auditor independence 
requirements of the Corporations Act 2001 for the following reasons: 

(a) 

(b) 

All non-audit services were subject to the corporate governance procedures adopted by the Company and have been reviewed by the 
audit committee to ensure they do not impact the integrity and objectivity of the auditor; and 

The non-audit services provided do not undermine the general principles relating to auditor independence as set out in APES 110 Code of 
Ethics for Professional Accountants, as they did not involve reviewing or auditing the auditor’s own work, acting in a management or 
decision-making capacity for the Company, acting as an advocate for the Company or jointly sharing risks and rewards, 

The lead auditor’s independence declaration for the year ended 31 March 2019 has been received, as set out on page 61, and forms part of this 
report. 

 AUDITOR’S INDEPENDENCE DECLARATION 

Signed in accordance with a resolution of the Directors 

/s/ Michael O’Keeffe                                                                                        

/s/ Andrew Love 

Michael O’Keeffe, Executive Chairman 

Andrew Love, Non-executive Director 

57 | P a g e  

 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Board of Directors in Office at the Date of this Report 

Executive Chairman and Former Chief Executive Officer 
Michael O’Keeffe B.App.Sc (Metallurgy) 
Mr O’Keeffe was appointed executive Chairman of Champion Iron Limited on August 13, 2013. On April 1, 2019, Mr. O’Keeffe stepped down as 
CEO and remains Executive Chairman of the Board. Mr. O’Keeffe commenced work with MIM Holdings in 1975. He held a series of senior 
operating  positions,  rising  to  Executive  Management  level  in  commercial  activities.  In  1995  he  became  Managing  Director  of  Glencore 
Australia (Pty) Limited and held the position until July 2004. Mr. O’Keeffe was the founder and Executive Chairman of Riversdale Mining 
Limited. He has previously held directorships in Anaconda Nickel Limited, Mt Lyell Mining Co Limited and BMA Gold Limited. Mr. O’Keeffe was 
the chairman of Riversdale Resources Limited. 

Non-Executive Director 
Gary Lawler BA, LLB, LLM (Hons), ASIA, Master of Laws (Applied Laws) (Wills and Estates) 
Mr. Lawler was appointed as a Non-Executive Director on April 9, 2014. He is a leading Australian corporate lawyer who has specialized as a 
mergers and acquisitions lawyer for over 35 years. Mr. Lawler has been a partner in a number of leading Australian law firms and is currently 
a Senior Advisor at Ashurst Australia. Mr. Lawler is also the Chairman of Mont Royal Resources Limited. Mr. Lawler has previously held board 
positions with Dominion Mining Limited, Riversdale Mining Limited, Riversdale Resources Limited and Cartier Iron Corporation and brings a 
wealth of experience to the Board. 

Non-Executive Director 
Andrew J. Love, FCA 
Mr. Love was appointed as a Non-Executive Director on April 9, 2014. He is a Chartered Accountant with more than 30 years of experience 
in corporate recovery and reconstruction in Australia. He was a senior partner of Australian accounting firm Ferrier Hodgson from 1976 to 
2008 and is now a consultant. In that time, he advised major local and overseas companies and financial institutions in a broad variety of 
restructuring and formal insolvency assignments. During this time Mr. Love specialized in the Resources Industry. Mr. Love has been an 
independent company director of a number of companies over a 25-year period in the Resources, Financial Services and Property Industries. 
This has involved corporate experience in Asia, Africa, Canada, United Kingdom and United States. Mr. Love’s previous Board positions have 
included Chairman of ROC Oil Ltd., Deputy Chairman of Riversdale Mining Ltd., Director of Charter Hall Office Trust and Chairman of Museum 
of Contemporary Art, Chairman of Gateway Lifestyle Operations Ltd. and a Director of Scottish Pacific Group Ltd. 

Non-Executive Director 
Michelle Cormier, CPA, CA, ASC 
Mrs. Cormier is a senior-level executive with experience in management including financial management, corporate finance, turnaround 
and strategic advisory situations and human resources. She has strong capital markets background with significant experience in public 
companies listed in the United States and Canada. Mrs. Cormier spent 13 years in senior management and as CFO of large North American 
forest products company and 8 years in various senior management positions at Alcan Aluminum Limited (RioTinto). Mrs. Cormier articled 
with Ernst & Young.  She serves on the Board of Directors of Cascades Inc., Dorel Industries Inc. and Uni-Select Inc. 

58 | P a g e  

 
  
 
 
 
 
 
 
Champion Iron Limited 
Board of Directors in Office at the Date of this Report 

Non-Executive Director 
Wayne Wouters 
The  Honourable  Wayne  G.  Wouters  is  a  Strategic  and  Policy  Advisor  with  McCarthy  Tétrault  LLP.  Before  joining  the  private  sector, 
Mr. Wouters  had  a  long  and  illustrious career in the Public Service of Canada.  His last assignment was the Clerk  of  the  Privy  Council, 
Secretary to  the  Cabinet,  and  Head  of  the  Public Service.  Appointed by Prime Minister Harper, Mr. Wouters served from July 1, 2009 
until October 3, 2014, at which time he retired from the Public Service  of  Canada. Prior to this, Mr. Wouters was a Deputy Minister in 
several departments, including the Deputy Minister of Human Resources and Skills Development Canada and Secretary of the Treasury 
Board. In 2014, Mr. Wouters was inducted as a Member of the Privy Council by the Prime Minister. 

Non-Executive Director 
Jyothish George 
Mr. George is currently Head of Glencore’s Iron Ore Division. He serves as Vice Chairman of the Board of Directors of the El Aouj Mining 
Company SA in Mauritania and a member of the Board of Directors of Jumelles Limited, the holding company of the Zanaga iron ore mine 
in the Republic of Congo. Immediately prior to his current role, Mr. George served as the Chief Risk Officer of Glencore. He earlier held a 
number of roles at Glencore’s head office in Baar, Switzerland from 2009 onwards focused on iron ore, nickel and ferroalloys physical and 
derivatives trading, and has been involved with iron ore marketing since its inception at Glencore. Mr. George joined Glencore in 2006 in 
London.  He was previously a Principal at Admiral Capital Management in Greenwich, Connecticut, a Vice President in equity derivatives 
trading at Morgan Stanley in New York, and started his career at Wachovia Securities in New York as a Vice President in convertible bonds 
trading.  Mr. George received a Bachelors in Technology from IIT Madras, India and a PhD in Mechanical Engineering from Cornell University. 

Chief Executive Officer 

David Cataford 

Mr. Cataford was appointed to the position of President and Chief Executive Officer on April 1, 2019. Mr. Cataford had been Chief Operating 
Officer of the Company since March 20, 2017.  Prior to joining Champion in 2014, Mr. Cataford held several management positions within 
Cliffs Natural Resources Inc., including key positions in their main iron ore deposit at Bloom Lake Mine in Fermont, Quebec. At Bloom Lake, 
Mr. Cataford played an important role in the management team, which increased drilling capacity by 80%, and he helped in the Phase I 
expansion of the plant. His experience in iron ore mining includes mineral characterization projects at Bloom Lake and for ArcelorMittal at 
Mont Wright, as well as adapting the recovery circuit to meet new customer demands. Mr. Cataford is currently president and cofounder of 
the North Shore and Labrador Mineral Processing Society. 

59 | P a g e  

 
  
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Directors’ Declaration 

DIRECTORS' DECLARATION 

1) 

In the opinion of the Directors: 

(a)  The accompanying financial statements and notes are in accordance with the Corporations Act 2001, including: 

• 

• 

giving a true and fair view of the Group's financial position as at 31 March 2019 and of its performance for the 
year ended on that date; and 

complying with Australian Accounting Standards and the Corporations Act 2001. 

(b)  there are reasonable grounds to believe that the Group will be able to pay its debts as and when they become due 

and payable. 

(c)  the audited remuneration disclosure set out in the Remuneration Report of the Director's Report for the year ended 

31 March 2019 complies with section 300A of the Corporations Act 2001. 

2)  The Directors have been given the declarations required by Section 295A of the Corporations Act 2001 for the financial 

year ended 31 March 2019. 

3)  The Group has included in the notes to the financial statements a statement of compliance with International 

Financial Reporting Standards. 

Signed in accordance with a resolution of the Directors 

/s/ Michael O’Keeffe 

/s/ Andrew Love 

Michael O’Keeffe, Executive Chairman 

Andrew Love, Non-executive Director 

60 | P a g e  

 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Auditor’s Independent Declaration 

 
 
 
 
 
 
Champion Iron Limited 

(ACN: 119 770 142) 

Consolidated Financial Statements 
For the Years Ended March 31, 2019 and 2018 

(Expressed in thousands of Canadian dollars - audited) 

62 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Management's Responsibility for Financial Reporting 

Management is responsible for the preparation and presentation of the accompanying consolidated financial statements, which includes making 
significant accounting judgments and estimates in accordance with International Financial Reporting Standards and ensuring that all 
information in the annual report is consistent with the consolidated financial statements, selecting appropriate accounting principles and 
methods, and making decisions that affect the measurement of transactions. 

The Board of Directors and Audit Committee are composed primarily of Directors who are neither management nor employees of the Company. 
The Board is responsible for overseeing management in the performance of its financial reporting responsibilities, and for approving the financial 
information included in the annual report. The Board fulfills these responsibilities by reviewing the financial information prepared by management 
and discussing relevant matters with management and external auditors. The Audit Committee has the responsibility of meeting with 
management and external auditors to discuss the internal controls over the financial reporting process, auditing matters and financial reporting 
issues. The Committee is also responsible for recommending the appointment of the Company's external auditors. 

Ernst & Young, an independent partnership of Chartered Accountants, has been appointed by the shareholders to audit the consolidated financial 
statements as at March 31, 2019 and 2018 and for the years then ended and report directly to them; their report follows. The external auditors 
have full and free access to, and meet periodically and separately with, both the Audit Committee and management to discuss their audit findings. 

/s/ David Cataford  

David Cataford Chief Executive Officer 

           /s/ Natacha Garoute 

           Natacha Garoute Chief Financial Officer 

63 | P a g e  

 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Independent Auditor’s Report 

64 | P a g e  

 
 
 
 
 
 
Champion Iron Limited 
Independent Auditor’s Report 

65 | P a g e  

 
 
 
 
 
 
 
Champion Iron Limited 
Independent Auditor’s Report 

66 | P a g e  

 
 
 
 
 
 
Champion Iron Limited 
Report on the Audit of the Financial Report 

67 | P a g e  

 
 
 
 
 
 
 
Champion Iron Limited 
Report on the Audit of the Financial Report 

68 | P a g e  

 
 
 
 
 
 
 
Champion Iron Limited 
Report on the Audit of the Financial Report 

69 | P a g e  

 
 
 
 
 
 
Champion Iron Limited 
Report on the Audit of the Financial Report 

70 | P a g e  

 
 
 
 
 
 
Champion Iron Limited 
Report on the Audit of the Financial Report 

71 | P a g e  

 
 
 
 
 
 
Champion Iron Limited 
Report on the Audit of the Financial Report 

72 | P a g e  

 
 
 
 
Champion Iron Limited 
Consolidated Statements of Financial Position 

 (Expressed in thousands of Canadian dollars - audited) 

  Notes   

As at March 31,   
2019    

As at March 31, 
2018  

Assets 
Current 

Cash and cash equivalents 
Short-term investments 
Receivables 
Prepaid expenses and advances 
Inventories 

Non-current 

Investments 
Advance payments 
Property, plant and equipment 
Exploration and evaluation assets 
Derivative assets 

Total assets 

Liabilities 
Current 

Accounts payable and accrued liabilities 
Convertible debenture, Altius 
Note payable 
Income tax payable 
Current portion of long-term debt 

Non-current 

Property taxes payable 
Long-term debt 
Convertible debenture, Glencore 
Derivative liabilities 
Rehabilitation obligation 
Other long-term liability 
Deferred tax liability 

Total liabilities 

Shareholders’ Equity 
Share capital 
Contributed surplus 
Warrants 
Foreign currency translation reserve 
Non-controlling interest 
Accumulated deficit 
Total equity 

Total liabilities and equity 

Commitments 
Subsequent events 
Should be read in conjunction with the notes to the consolidated financial statements 

Approved on June 20, 2019 on behalf of the directors 

135,424    
17,907    
93,012    
24,186    
44,154    
314,683    

2,653    
38,250    
224,123    
81,508    
10,800    
672,017    

44,697    
—    
—    
34,059    
35,852    
114,608    

13,940    
193,038    
12,067    
43,819    
36,565    
4,798    
37,460    
456,295    

237,969    
21,404    
17,730    
420    
65,376    
(127,177 )  
215,722    
672,017    

3   
4   
5   
6   
7   

8   
9   
10   
11   
18   

12   
13   
14   
25   
16   

15   
16   
17   
17   
19   

25   

30     
36     

/s/ Michael O'Keeffe 
Director   

/s/ Andrew Love 
Director 

7,895  
17,291  
25,838  
15,898  
48,171  
115,093  

4,250  
37,517  
172,719  
72,137  
—  
401,716  

63,481  
9,791  
36,438  
—  
—  
109,710  

16,276  
141,225  
14,016  
24,683  
35,893  
—  
5,465  
347,268  

224,336  
21,204  
17,730  
578  
823  
(210,223 ) 
54,448  

401,716  

73 | P a g e  

 
 
 
  
 
   
 
 
 
   
   
   
  
   
   
  
   
   
 
 
 
 
 
 
  
 
  
   
   
 
 
 
 
 
  
 
 
  
   
   
  
   
   
  
   
   
 
 
 
 
 
 
  
 
  
   
   
 
 
 
 
 
   
 
 
  
 
 
  
   
   
  
   
   
  
 
  
 
  
 
  
 
  
 
  
 
  
 
 
  
   
   
  
 
 
  
   
   
 
   
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Consolidated Statements of Income (Loss) 

(Expressed in thousands of Canadian dollars, except per share amounts - audited) 

Revenues 
Cost of sales 
Depreciation 
Gross profit (loss) 

Other Expenses 
Share-based payments 
General and administrative expenses 
Restart costs 
Sustainability and other community expenses 
Property taxes adjustment 
Exploration and evaluation 
Operating income (loss) 

Net finance costs 

Income (loss) before income tax 

Current income tax 
Deferred income tax 

Net income (loss) 

Attributable to: 
Champion shareholders 
Non-controlling interest 

Earnings (loss) per share 
Basic 
Diluted 

 Notes   

21   

20   
22   

23   
15   

24   

25   
25   

26      

Year Ended March 31, 

2019    

655,129    
(351,946 )  
(14,551 )  
288,632    

(1,808 )  
(14,039 )  
(4,497 )  
(12,226 )  
7,559    
—    
263,621    

(50,010 )  

213,611    

(34,017 )  
(31,995 )  

147,599    

83,046    
64,553    

0.20    
0.18    

2018  

—  
—  
(4,244 ) 
(4,244 ) 

(3,179 ) 
(10,627 ) 
(65,999 ) 
—  
—  
(201 ) 
(84,250 ) 

(23,081 ) 

(107,331 ) 

—  
—  

(107,331 ) 

(74,475 ) 
(32,856 ) 

(0.19 ) 
(0.19 ) 

Weighted Average Number of Common Shares Outstanding - Basic 
Weighted Average Number of Common Shares Outstanding - Diluted 

Should be read in conjunction with the notes to the consolidated financial statements 

420,677,000    
449,508,000    

398,125,000  
398,125,000  

74 | P a g e  

 
 
 
 
 
 
  
 
 
 
   
   
   
  
 
 
  
 
  
 
 
  
   
   
  
   
   
 
 
  
 
 
 
  
 
  
 
 
  
   
   
 
 
  
   
   
  
 
 
  
   
   
 
 
 
  
   
   
  
 
 
  
   
   
  
   
   
  
 
  
 
 
  
   
   
 
   
  
 
  
 
 
  
   
   
  
 
  
 
Champion Iron Limited 
Consolidated Statements of Comprehensive Income (Loss) 

(Expressed in thousands of Canadian dollars, except per share amounts - audited) 

Net income (loss) 

Item that may be reclassified subsequently to the consolidated statement of income 
Net movement in foreign currency translation reserve 
Comprehensive income (loss) 

Attributable to: 
Champion shareholders 
Non-controlling interest 

Should be read in conjunction with the notes to the consolidated financial statements 

Year Ended March 31, 

2019    

147,599    

(158 )   
147,441    

82,888    
64,553    

2018  

(107,331 ) 

(10 ) 
(107,341 ) 

(74,485 ) 
(32,856 ) 

75 | P a g e  

 
 
 
 
 
 
 
 
 
 
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
  
   
  
 
 
 
   
   
   
   
 
 
 
Champion Iron Limited 
Consolidated Statements of Equity 
(Expressed in thousands of Canadian dollars, except per share amounts - audited) 

Ordinary Shares 

Notes   

Shares(1)   
  414,618,000    

$  
224,336    

Contributed 
Surplus 
21,204    

Warrants 
17,730    

Foreign 
Currency 
Translation 
578    

Non- 
Controlling 
Interest 
823    

Accumulated 
Deficit 
(210,223 )  

Balance - March 31, 2018 

Net income 
Other comprehensive loss 
Total comprehensive income (loss) 

Exercise of stock-options 
Exercise of share rights 
Exercise of conversion option - Altius 
Share-based payments 
Balance - March 31, 2019 

Balance - March 31, 2017 

Net loss 
Other comprehensive loss 
Total comprehensive loss 

Public offering of subscription receipts 
Share issue costs 
Private placement 
Exercise of stock-options 
Fair value of share rights exercised 
Share-based payments 
Fair value of warrants issued 
Derecognition of derivative liability 
Balance - March 31, 2018 

—    
—    
—    

20   
20   
20   
20   

5,100,000    
752,000    
10,000,000    
—    
 430,470,000    

—    
—    
—    

2,633    
1,000    
10,000    
—    
237,969    

—    
—    
—    

(608 )  
(1,000 )  
—    
1,808    
21,404    

  385,934,000    

201,990    

20,121    

—    
—    
—    

20   
20   
20   

  21,034,000    
—    
—    
5,400,000    
2,250,000    
—    
—    
—    
  414,618,000    

—    
—    
—    

18,930    
(1,115 )  
—    
1,703    
2,828    
—    
—    
—    
224,336    

—    
—    
—    

—    
—    
—    
—    
(2,828 )  
3,179    
—    
732    
21,204    

—    
—    
—    

—    
—    
—    
—    
17,730    

—    

—    
—    
—    

—    
—    
—    
—    
—    
—    
17,730    
—    
17,730    

—    
(158 )  
(158 )  

—    
—    
—    
—    
420    

588    

—    
(10 )  
(10 )  

—    
—    
—    
—    
—    
—    
—    
—    
578    

Should be read in conjunction with the notes to the consolidated financial statements 

 1 

All issued ordinary shares are fully paid and have no par value. 

64,553    
—    
64,553    

—    
—    
—    
—    
65,376    

83,046    
—    
83,046    

—    
—    
—    
—    
(127,177 )  

TOTAL 

54,448  

147,599  
(158 ) 
147,441  

2,025  
—  
10,000  
1,808  
215,722  

2,363    

(135,748 )  

89,314  

(32,856 )  
—    
(32,856 )  

—    
—    
31,316    
—    
—    
—    
—    
—    
823    

(74,475 )  
—    
(74,475 )  

—    
—    
—    
—    
—    
—    
—    
—    
(210,223 )  

(107,331 ) 
(10 ) 
(107,341 ) 

18,930  
(1,115 ) 
31,316  
1,703  
—  
3,179  
17,730  
732  
54,448  

76 | P a g e  

 
 
 
 
 
 
 
 
   
   
   
   
   
   
 
 
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
   
   
   
   
   
   
   
 
 
 
 
 
 
 
 
  
   
   
   
   
   
   
   
 
 
 
  
   
   
   
   
   
   
   
 
 
  
   
   
   
   
   
   
   
 
 
 
  
   
   
   
   
   
   
   
 
 
 
 
 
 
 
 
  
   
   
   
   
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Consolidated Statements of Cash Flow 

(Expressed in thousands of Canadian dollars - audited) 

Cash provided by (used in) 
Operating Activities 
Net income (loss) 
Items not affecting cash 

Depreciation 
Share-based payments 
Loss on sale of property, plant and equipment 
Change in fair value of derivative asset 
Change in fair value of derivative liability 
Unrealized foreign exchange loss 
Unrealized loss (gain) on investments 
Accretion of borrowing costs and debt discount 
Accretion of the rehabilitation obligation 
Deferred income tax 
Interest not paid 

Changes in non-cash operating working capital 
Net cash flow from operating activities 

Financing Activities 
Proceeds of long-term debt 
Repayment of long-term debt 
Termination of production payment agreement ("PPA") 
Borrowing costs 
Proceeds of convertible debenture, Altius 
(Repayment) of capitalized interest, Proceeds Glencore 
Public offering of subscription receipts 
Share issue cost 
Private placement of common shares of Quebec Iron Ore Inc. 
Exercise of stock-options 
Repayment of note payable 
Proceeds of bridge loan 
Repayment of bridge loan 
Bridge loan transaction costs 
Net cash flow from financing activities 

Investing Activities 
Investment in short-term investments 
Due from Cartier Iron Corporation 
Proceeds on sale of equipment 
Purchase of property, plant and equipment 
Exploration and evaluation 
Net cash flow from investing activities 

Net increase in cash and cash equivalents 
Cash and cash equivalents, beginning of year 
Effects of exchange rate changes on cash 
Cash and cash equivalents, end of year 

Interest paid 

Should be read in conjunction with the notes to the consolidated financial statements 

Year Ended March 31, 

  Notes   

2019    

2018  

  10,34   
20    

  18,24   
24    

24    
24    
24    
25    

34    

147,599    

14,551    
1,808    
—    
(10,800 )  
19,136    
3,446    
1,597    
3,811    
672    
31,995    
17,650    
231,465    
(54,767 )  
176,698    

74,195    
(7,636 )  
(4,564 )  
(1,618 )  
—    
(4,429 )  
—    
—    
—    
2,025    
(37,472 )  
—    
—    
—    
20,501    

(616 )  
—    
—    
(62,942 )  
(9,372 )  
(72,930 )  
124,269    
7,895    
3,260    
135,424    
13,526    

(107,331 ) 

4,244  
3,179  
(994 ) 
—  
3,590  
—  
(1,056 ) 
4,207  
695  
—  
6,583  
(86,883 ) 
(44,766 ) 
(131,649 ) 

158,287  
—  
—  
(3,849 ) 
10,000  
31,200  
18,930  
(1,115 ) 
31,316  
1,703  
(7,171 ) 
16,000  
(16,000 ) 
(500 ) 
238,801  

(5,825 ) 
348  
1,427  
(97,569 ) 
439  
(101,180 ) 

5,972  
1,863  
60  
7,895  

1,819  

77 | P a g e  

 
 
 
 
 
  
 
 
 
   
   
   
  
   
   
  
   
   
  
 
  
   
   
 
   
 
 
   
 
 
 
 
 
   
 
 
   
 
 
 
   
 
 
  
   
   
  
   
   
  
 
  
 
  
 
  
 
  
 
  
 
  
 
  
 
  
 
  
 
  
 
  
 
   
 
  
 
 
  
 
 
  
   
   
  
   
   
  
 
  
 
  
 
  
 
  
 
 
  
 
 
  
   
   
  
 
  
 
  
 
  
 
 
  
   
   
  
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

1. Nature of operations 

Champion Iron Limited (“Champion” or the "Company") was incorporated under the laws of Australia in 2006 and is listed on the Toronto Stock 
Exchange (TSX: CIA) and Australian Securities Exchange (ASX: CIA). Champion is an iron ore mining company with its key asset, the Bloom Lake 
Mine, a long-life, large-scale open pit operation located in northern Quebec, approximately 300 km north of Sept-Iles and 13 km from the town of 
Fermont, Quebec, Canada. The Company declared commercial production at the Bloom Lake Mine as of June 30, 2018. Champion owns a 63.2% 
interest in its subsidiary, Quebec Iron Ore Inc. (“QIO”). Ressources Québec, a subsidiary of governmental agency Investissement Québec, is the 
owner of the remaining 36.8% share. The Bloom Lake Mine assets are held through QIO. 

2. Summary of significant accounting policies 

A.  Basis of preparation 
These consolidated financial statements have been prepared on the historical cost basis, except for the revaluation of certain financial assets 
and financial liabilities to fair value. 

The financial report is a general purpose financial report which has been prepared for a for-profit enterprise in accordance with the requirements 
of the Corporations Act 2001, Australian Accounting Standards and other authoritative pronouncements of the Australian Accounting Standards 
Board. The financial report has also been prepared on a historical cost basis, except for investments and derivative financial instruments which 
have been measured at fair value. 

The nature of the operations and principal activities of the Company are described in the Directors’ Report. 

B.  Statement of Compliance 
These audited consolidated financial statements have been prepared in accordance with International Financial Reporting Standards ("IFRS") 
as issued by the International Accounting Standards Board ("IASB"). 

The Company has consistently applied the accounting policies used in the preparation of its IFRS consolidated financial statements with the 
exception of those arising from new accounting standards issued and adopted by the Company as described in this note.  These consolidated 
financial statements were approved and authorized for issue by the Board of Directors on June 20, 2019. 

C.  Significant accounting policies and future accounting changes 
The accounting policies set out below have been applied consistently to all years presented in these consolidated financial statements. 

Basis of consolidation and functional currency 
The consolidated financial statements include the accounts of the Company and its significant subsidiaries listed below: 
Country of   
incorporation   
Canada  
Canada  
Canada  

Champion Iron Mines Limited 
Québec Iron Ore Inc. 
Lac Bloom Railcars Corporation Inc. 
There have been no changes in ownership percentages from the comparative period. 

Ownership   
percentage   
100.0%  
63.2%  
100.0%  

Functional 
currency 
Canadian dollars 
Canadian dollars 
US dollars 

Consolidation 
The consolidated financial statements comprise the financial statements of the Company and its subsidiaries. Control is achieved when the 
Company is exposed, or has rights, to variable returns from its involvement with the investee and has the ability to affect those returns through 
its power over the investee. Specifically, the Company controls an investee if, and only if, the Company has all of the following: 

• power over the investee (i.e. existing rights that give it the current ability to direct the relevant activities of the investee); 
• exposure, or rights, to variable returns from its involvement with the investee; 
• the ability to use its power over the investee to affect its returns. 

Generally, there is a presumption that a majority of voting rights results in control. All intra-group assets and liabilities, revenues, expenses and 
cash flows relating to intra-group transactions are eliminated. 

78 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

2. Summary of significant accounting policies (continued) 

C.  Significant accounting policies and future accounting changes (continued) 

Non-controlling interest 
Non-controlling  interest  represents  the  minority  shareholder’s  portion  of  the  profit  or  loss  and  net  assets  of  subsidiaries  and  is  presented 
separately in the consolidated statements of financial position and consolidated statements of income (loss). Losses within a subsidiary are 
attributable to the non-controlling interests even if that results in a deficit balance. 

Segment reporting 
Operating  segments  are  reported  in  a  manner  consistent  with  the  internal  reporting  provided  to  the  chief  operating  decision-maker,  who  is 
responsible  for  allocating  resources  and  assessing  the  performance  of  the  operating  segments,  and  which  has  been  identified  as  the 
management team that makes strategic decisions.  

Cash and cash equivalents 
Cash and cash equivalents consist of cash in bank, cash held in trust and short-term deposits with a maturity of less than three months. 

Non-derivatives financial assets 
The Company initially recognizes loans and receivables and deposits on the date that they are originated.  All other financial assets (including 
assets designated at fair value through profit or loss) are recognized initially on the trade date, which is the date that the Company becomes a 
party to the contractual provisions of the instrument. 

The Company derecognizes a financial asset when the contractual rights to the cash flows from the asset expire, or it transfers the rights to 
receive the contractual cash flows on the financial asset in a transaction in which substantially all the risks and rewards of ownership of the 
financial asset are transferred.  Any interest in transferred financial assets that is created or retained by the Company is recognized as a separate 
asset or liability. 

Financial assets and liabilities are offset and the net amount presented in the statement of financial position when, and only when, the Company 
has a legal right to offset the amounts and intends either to settle on a net basis or to realize the asset and settle the liability simultaneously. 

The Company classifies non-derivative financial assets into the following categories:  financial assets at fair value through profit or loss, held-
to-maturity financial assets, loans and receivables and available-for-sale financial assets. 

Inventories 
Inventories of ore and concentrate are measured and valued at the lower of average production cost and net realizable value. Net realizable 
value is the estimated selling price of the concentrates in the ordinary course of business based on the prevailing metal prices on the reporting 
date, less estimated costs to complete production and to bring concentrates to sale. Production costs that are inventoried include the costs 
directly related to bringing the inventory to its current condition and location, such as materials, labour and manufacturing overhead  costs, 
based on normal capacity of the production facilities. 

Supplies and spare parts are valued at the lower of cost or net realizable value. Any provision for obsolescence is determined by reference to 
specific items of stock. A regular review is undertaken to determine the extent of any provision for obsolescence. 

Property, plant and equipment 
Property, plant and equipment are carried at historical cost less any accumulated depreciation and impairment losses. 

Depreciation is calculated on the following basis over the estimated useful lives of property, plant and equipment: 

Tailings dykes 

Mining and processing equipment    Straight-line over 2 to 12 years or units-of-production basis over the recoverable reserves 
  Straight-line over 23 to 24 years or units-of-production basis over the recoverable reserves 
Locomotives, railcars and rails 
  Units-of-production basis over recoverable reserves 
  Units-of-production basis over recoverable reserves 
  Straight-line over 3 to 24 years 

Stripping activity asset 

Others 

79 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

2. Summary of significant accounting policies (continued) 

C.  Significant accounting policies and future accounting changes (continued) 

Stripping (waste removal) costs 
Where the benefits are realized in the form of improved access to ore to be mined in the future, the costs are recognized as a non-current asset, 
referred to as a stripping costs, if the following criteria are met: 

a)  Future economic benefits (being improved access to the ore body) are probable; 
b)  The component of the ore body for which access will be improved can be accurately identified; 
c)  The costs associated with the improved access can be reliably measured. 

If any of the criteria are not met, the production stripping costs are charged to profit or loss as operating costs as they are incurred. The stripping 
ratio varies depending of the stage of the mine life. In the case of the Bloom Lake mine, the life of mine stripping ratio is estimated at 0.5 based 
on the 43-101 Technical report on the Bloom Lake mine re-start feasibility study ("The Feasibility Study"). All costs related to a stripping ratio 
over the life of mine ratio are capitalized and all costs related to a stripping ratio lower than the life of mine ratio results in amortization of the 
stripping activity asset. The capitalized expenses are revalued on a monthly basis. Stripping costs incurred in the pre-production period have 
also  been  capitalized  using  the  same  methodology.  The  production  start  date  has  been  determined  by  the  Company  using  various relevant 
criteria  as  level  of  capital  expenditures  incurred  compared  to  original  budget,  completion  of  reasonable  period  of  testing,  ability  to  produce 
concentrate in saleable form and ability to sustain ongoing production of concentrate. 

Exploration and evaluation assets 
i) Recognition and measurement 
Exploration and evaluation assets, including the costs of acquiring licenses and directly attributable general and administrative costs, initially 
are capitalized as exploration and evaluation assets. The costs are accumulated by property pending the determination of technical feasibility 
and commercial viability. Pre-license costs are expensed when incurred. Pre-exploration costs are expensed unless it is considered probable 
that they will generate future economic benefits. 

Mining tax credits earned in respect to costs incurred in Quebec are recorded as a reduction to exploration and evaluation assets when there is 
reasonable assurance that the Company has complied with, and will continue to comply with, all conditions needed to obtain the credits. The 
recoverability  of  amounts  shown  for  exploration  and  evaluation  assets  is  dependent  upon  the  ability  of  the  Company  to  obtain  financing  to 
complete the exploration and development of its mineral resource properties, the existence of economically recoverable reserves and future 
profitable production, or alternatively, upon the Company’s ability to recover its costs through a disposition of its mineral resource properties. 
The amounts shown for exploration and evaluation assets do not necessarily represent present or future value. Changes in future conditions 
could require a material change in the amount recorded for exploration and evaluation assets. 

The technical feasibility and commercial viability of extracting a mineral resource from a property is considered to be determinable when proved 
and/or probable reserves are determined to exist and the necessary permits have been received to commence production. A review of each 
property is carried out at least annually. Upon determination of technical feasibility and commercial viability, exploration and evaluation assets 
are  first  tested  for  impairment  and  then  reclassified  to  property,  plant  and  equipment  and/or  intangibles  or  expensed  to  the  consolidate 
statements of income (loss) to the extent of any impairment. 

ii)  Impairment 
Exploration and evaluation assets are assessed for impairment if (i) sufficient data exists to determine technical feasibility and commercial 
viability, and (ii) facts and circumstances suggest that the carrying amount exceeds the recoverable amount. An impairment loss is recognized 
in the consolidated statements of income (loss) if the carrying amount of a property exceeds its estimated recoverable amount. The recoverable 
amount of property used in the assessment of impairment of exploration and evaluation assets is the greater of its value in use (VIU) and its fair 
value less costs of disposal (FVLCTS). VIU is determined by estimating the present value of the future net cash flows at a pre-tax discount rate 
that reflects current market assessment of the time value of money and the risks specific to the property. 

FVLCTS refers to the price that would be received to sell the property in an orderly transaction between market participants. For a property that 
does not generate largely independent cash flows, the recoverable amount is determined for the cash-generating unit to which the property 
belongs. Impairment losses previously recognized are assessed at each reporting date for any indications that the loss has decreased or no 
longer exists. An impairment loss is reversed if there has been a change in the estimates used to determine the recoverable amount only to the 
extent that the property's carrying amount does not exceed the carrying amount that would have been determined if no impairment loss had 
been recognized.

80 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

2. Summary of significant accounting policies (continued) 

C.  Significant accounting policies and future accounting changes (continued) 

Provisions 
A provision is recognized if, as a result of a past event, the Company has a present legal or constructive obligation that can be estimated reliably, 
and it is probable that an outflow of economic benefits will be required to settle the obligation. Provisions are determined by discounting the 
expected future cash flows at a pre-tax rate that reflects current market assessments of the time value of money and the risks specific to the 
liability. The unwinding of the discount is recognized as finance cost. 

Long-term debt 
The long-term debts are initially measured at fair value, net of transactions costs, and are subsequently measured at amortized cost using the 
effective interest rate method, with interest expense recognized on an effective yield basis. 

Convertible debenture, Altius 
The convertible debenture, Altius consists of a debt instrument, minimum interest obligation and an equity conversion feature. The Company has 
identified the minimum interest obligation and equity conversion features as embedded derivatives. At initial recognition, the Company estimated 
the  fair value  of  the  equity  conversion  feature  and  the  present value  of  the  minimum  interest  obligation.  The  difference  between  the  gross 
proceeds and these amounts was allocated to the debt liability under the residual method. The debt balance will be unwound up to the maturity 
date using the effective interest method. 

Convertible debenture, Glencore 
The convertible debenture, Glencore consists of a debt instrument with a derivative liability conversion option. At initial recognition, the Company 
estimated the fair value of the derivative feature. The fair value of the derivative is reassessed at each balance sheet date. The equity conversion 
feature is accounted for as a derivative liability on the Company’s consolidated financial statements. 

Rehabilitation obligation 
The Company records a rehabilitation obligation for legal and constructive asset retirement obligations. Rehabilitation obligation is recorded for 
an amount that represent the expenditure required to settle the present obligation at the end of the reporting period. Where the effect of the time 
value of money is material, the Company will adjust the amount of the provision which will be the present value of the expenditures expected to 
be required to settle the obligation, discounted by the number of years between the reporting date and the rehabilitation date. 

Share capital 
Share capital is classified as equity. Incremental costs directly attributable to the issue of common shares are recognized as a deduction from 
equity, net of any tax effects. 

Foreign currency translation reserve 
Exchange differences relating to the translation of the results and net assets of the Company’s operations from their functional currency to the 
Company’s presentation currency are recognized directly in other comprehensive income and accumulated in the foreign currency translation 
reserve with the exception of those balances that are within the scope of AASB 9 Financial Instruments and IFRS 9 Financial Instruments. 

Foreign currency transactions 
Foreign currency transactions are translated into the functional currency of the Company’s entities using the exchange rates prevailing at the 
dates of the transactions or an appropriate average exchange rate. Generally, foreign exchange gains and losses resulting from the settlement 
of foreign currency transactions and from the translation at year-end exchange rates of monetary assets and liabilities denominated in currencies 
other than the Company’s functional currency are  recognized in the consolidated statements of income (loss). Non-monetary items that are 
measured in terms of historical cost in a foreign currency are translated using the exchange rates at the dates of the initial transactions. Non-
monetary items measured at fair value in a foreign currency are translated using the exchange rates at the date when the fair value is determined. 
The gain or loss arising on translation of non-monetary items measured at fair value is treated in line with the recognition of the gain or loss on 
the change in fair value of the item (i.e., translation differences on items whose fair value gain or loss is recognized in other comprehensive 
income  or profit or loss are also recognized in other comprehensive income or profit or loss, respectively). 

81 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

2. Summary of significant accounting policies (continued) 

C.  Significant accounting policies and future accounting changes (continued) 

Functional and presentation currency 
Items included in the financial statements of each consolidated entity of the Company are measured using the currency of the primary economic 
environment in which the entity operates (the functional currency). The financial statements of entities that have a functional currency different 
from the Company are translated into Canadian dollars as follows: assets and liabilities are translated at the closing rate at the date of the 
statement of financial position, and income and expenses are translated at the average rate during an appropriate year. Equity transactions are 
translated using the exchange rate at the date of the transaction and all resulting changes are recognized in other comprehensive income as 
cumulative translation adjustments. 

Share-based payments 
The Company offers a stock option plan for its officers, directors, employees and consultants. The fair value of stock options for each vesting 
period  is  determined  using  the  Black-Scholes  option  pricing  model  and  is  recorded  over  the  vesting  period  as  an  increase  to  stock-based 
compensation and contributed surplus. A forfeiture rate is estimated on the grant date and is adjusted to reflect the actual number of options 
that vest. Upon the exercise of stock options, the proceeds received by the Company and the related contributed surplus are recorded as an 
increase to share capital. In the event that vested stock options expire, previously recognized share-based compensation is not reversed. In the 
event  that  stock  options  are  forfeited,  previously  recognized  share-based  compensation  associated  with  the  unvested  portion  of  the  stock 
options forfeited is reversed. 

The fair value of  share-based  payment transactions to non-employees  and  other  share-based  payments including shares issued to acquire 
exploration and evaluation assets are based on the fair value of the goods and services received. If the fair value cannot be estimated reliably, 
the share-based payment transaction is measured at the fair value of the equity instruments granted at the date the Company receives the 
goods or services. 

Restart costs 
Care and maintenance costs have been incurred during the period of operation idle. Day-to-day servicing expenses as well as regular 
maintenance expenses to ensure assets integrity have been expensed. Most of 2018 fiscal year was not in a care and maintenance mode. Non-
capital restart costs, that cover the period from May 1st 2017 to January 31st, 2018, includes all costs related to staff mobilization and training, 
expenses incurred to return an asset back to historical level and other expenditures that did not increase capacity or life duration and have 
been expensed. 

Government grants 
The Company receives certain grants from the government. Those grants are recognized only when there is a reasonable assurance that the 
Company  will  comply  with  any  conditions  attached  to  the  grants  and  the  grants  will  be  received.  Those  grants  are  recorded  against  the 
expenditure that they are intended to compensate. 

Income tax 
Income tax expense comprises current and deferred taxes. Current tax and deferred tax is recognized in profit or loss except to the extent that 
it relates to a business combination, or items recognized directly in equity or in other comprehensive income. 

Current tax is the expected tax payable or receivable on the taxable income or loss for the year, using tax rates enacted or substantively enacted 
at the reporting date, and any adjustment to tax payable in respect of previous years. 

82 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

2. Summary of significant accounting policies (continued) 

C.  Significant accounting policies and future accounting changes (continued) 

Income tax (continued) 
Deferred tax is recognized in respect of temporary differences  between the carrying amounts of assets and liabilities for financial reporting 
purposes and the amounts used for taxation purposes. Deferred tax is not recognized for: 

•  temporary  differences on the initial recognition of assets or liabilities in  a transaction that is  not a business combination and that 

affects neither accounting nor taxable profit or loss;  

•   temporary differences related to investments in subsidiaries and jointly controlled entities to the extent that it is probable that they will 

not reverse in the foreseeable future; and 

•   taxable temporary differences arising on the initial recognition of goodwill. 

Deferred tax is measured at the tax rates that are expected to be applied to temporary differences when they reverse, based on the laws that 
have been enacted or substantively enacted by the reporting date. 

Deferred tax assets and liabilities are offset if there is a legally enforceable right to offset current tax liabilities and assets, and they relate to 
income taxes levied by the same tax authority on the same taxable entity, or on different tax entities, but they intend to settle current tax liabilities 
and assets on a net basis or their tax assets and liabilities will be realized simultaneously. 

A deferred tax asset is recognized for unused tax losses, tax credits and deductible temporary differences, to the extent that it is probable that 
future taxable profits will be available against which they can be utilized. Deferred tax assets are reviewed at each reporting date and are reduced 
to the extent that it is no longer probable that the related tax benefit will be realized. 

Initial recognition 

Financial Assets 
i) 
Under IFRS 9 and AASB 139, there is a change in the classification and measurement requirements relating to financial assets. Previously, there 
were four categories of financial assets: loans and receivables, fair value through profit or loss, held to maturity and available for sale. Under 
IFRS 9, financial assets are either classified as amortized cost, fair value through profit or loss or fair value through other comprehensive income. 

For  debt  instruments,  the  classification  is  based  on  two  criteria:  the  Company’s  business  model  for  managing  the  assets;  and  whether  the 
instruments’ contractual cash flows represent ‘solely payments of principal and interest’ (SPPI) on the principal amount outstanding. A financial 
asset can only be measured at amortized cost if both of the following are satisfied: 

•   Business model: the objective of the business model is to hold the financial asset for the collection of the contractual cash flows  
•   Contractual cash flows: the contractual cash flows under the instrument relate solely to payments of principal and interest  

The assessment of the Company business model was made as of the date of initial application, April 1, 2018, and then applied retrospectively to 
those financial assets that were not derecognised before April 1, 2018. The assessment of whether contractual cash flows on debt instruments 
are SPPI was made based on the facts and circumstances as at the initial recognition of the assets. 

The classification and measurement requirements of IFRS 9 did not have a significant impact on the Company. 

ii)  Derecognition of financial assets 
A financial asset (or, where applicable, a part of a financial asset or part of a group of similar financial assets) is primarily derecognised (i.e., 
removed from the Company’s consolidated statements of financial position) when: 

•  
•  

The rights to receive cash flows from the asset have expired, or  
The Company has transferred its rights to receive cash flows from the asset or has assumed an obligation to pay the received cash 
flows in full without material delay to a third party under a ‘pass-through’ arrangement; and either (a) the Company has transferred 
substantially all the risks and rewards of the asset, or (b) the Company has neither transferred nor retained substantially all the risks 
and rewards of the asset, but has transferred control of the asset

83 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

2. Summary of significant accounting policies (continued) 

C.  Significant accounting policies and future accounting changes (continued) 

Financial Assets (continued) 
ii)  Derecognition of financial assets (continued) 
When the Company has transferred its rights to receive cash flows from an asset or has entered into a pass-through arrangement, it evaluates 
if, and to what extent, it has retained the risks and rewards of ownership. When it has neither transferred nor retained substantially all of the 
risks and rewards of the asset, nor transferred control of the asset, the Company continues to recognize the transferred asset to the extent of 
its continuing involvement. In that case, the Company also recognizes an associated liability. The transferred asset and the associated liability 
are measured on a basis that reflects the rights and obligations that the Company has retained. Continuing involvement that takes the form of 
a  guarantee  over  the  transferred  asset  is  measured  at  the  lower  of  the  original  carrying  amount  of  the  asset  and  the  maximum amount  of 
consideration that the Company could be required to repay. 

iii)  Financial assets at fair vale through profit or loss 
Financial  assets  at  fair  value  through  profit  or  loss  include  financial  assets  held  for  trading,  e.g.,  derivative  instruments,  financial  assets 
designated upon initial recognition at fair value through profit or loss, e.g., debt or equity instruments, or financial assets mandatorily required 
to be measured at fair value, i.e., where they fail the SPPI test. Financial assets are classified as held for trading if they are acquired for the 
purpose of selling or repurchasing in the near term. Derivatives, including separated embedded derivatives, are also classified as held for trading 
unless they are designated as effective hedging instruments. Financial assets with cash flows that do not pass the SPPI test are required to be 
classified and measured at fair value through profit or loss, irrespective of the business model. Notwithstanding the criteria for debt instruments 
to be classified at amortized cost or at fair value through other comprehensive income, as described above, debt instruments may be designated 
at fair value through profit or loss on initial recognition if doing so eliminates, or significantly reduces, an accounting mismatch. Financial assets 
at fair value through profit or loss are carried in the statements of financial position at fair value with net changes in fair value recognized in 
profit or loss. 

A derivative embedded in a hybrid contract with a financial liability or non-financial host, is separated from the host and accounted for as a 
separate derivative if: the economic characteristics and risks are not closely related to the host; a separate instrument with the same terms as 
the embedded derivative would meet the definition of a derivative; and the hybrid contract is not measured at fair value through profit or loss. 
Embedded derivatives are measured at fair value with changes in fair value recognized in profit or loss. Reassessment only occurs if there is 
either a change in the terms A derivative embedded in a hybrid contract with a financial liability or non-financial host, is separated from the host 
and accounted for as a separate derivative if: the economic characteristics and risks are not closely related to the host; a separate instrument 
with the same terms as the embedded derivative would meet the definition of a derivative; and the hybrid contract is not measured at fair value 
through profit or loss. Embedded derivatives are measured at fair value with changes in fair value recognized in profit or loss. Reassessment 
only occurs if there is either a change in the terms 
of the contract that significantly modifies the cash flows that would otherwise be required or a reclassification of a financial asset out of the fair 
value through profit or loss category. 

As IFRS 9 now has the SPPI test for financial assets, the requirements relating to the separation of embedded derivatives is no longer needed 
for financial assets. An embedded derivative will often make a financial asset fail the SPPI test thereby requiring the instrument to be measured 
at fair value through profit or loss in its entirety. This is applicable to the Company’s trade receivables (subject to provisional pricing). These 
receivables  relate  to  sales  contracts  where  the  selling  price  is  determined  after  delivery  to  the  customer,  based  on  the  market  price  at  the 
relevant quotation period stipulated in the contract. This exposure to the commodity price causes such trade receivables to fail the SPPI test. As 
a  result,  these  receivables  are  measured  at  fair  value  through  profit  or  loss  from  the  date  of  recognition  of  the  corresponding  sale,  with 
subsequent movements being recognized in the consolidated statements of income (loss). 

iv)  Impairment of financial assets 
The Company recognizes an allowance for expected credit loss ("ECL") for all debt instruments not held at fair value through profit or loss. ECLs 
are based on the difference between the contractual cash flows due in accordance with the contract and all the cash flows that the Company 
expects to receive, discounted at an approximation of the original effective interest rate ("EIR"). The expected cash flows will include cash flows 
from the sale of collateral held or other credit enhancements that are integral to the contractual terms. 

ECLs are recognized in two stages. For credit exposures for which there has not been a significant increase in credit risk since initial recognition, 
ECLs are provided for credit losses that result from default events that are possible within the next 12-months (a 12-month ECL). For those credit 
exposures for which there has been a significant increase in credit risk since initial recognition, a loss allowance is required for credit losses 
expected over the remaining life of the exposure, irrespective of the timing of the default (a lifetime ECL).

84 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

2. Summary of significant accounting policies (continued) 

C.  Significant accounting policies and future accounting changes (continued) 

Financial Assets (continued) 
iv)  Impairment of financial assets (continued) 
For trade receivables (not subject to provisional pricing) and other receivables due in less than 12 months, the Company applies the simplified 
approach in calculating ECL, as permitted by IFRS 9. Therefore, the Company does not track changes in credit risk, but instead, recognizes a loss 
allowance based on the financial asset’s lifetime ECL at each reporting date. The Company has established a provision matrix that is based on 
its historical credit loss experience, adjusted for forward-looking factors specific to the debtors and the economic environment. For any other 
financial assets carried at amortized cost (which are due in more than 12 months), the ECL is based on the 12-month ECL. The 12-month ECL is 
the proportion of lifetime ECLs that results from default events on a financial instrument that are possible within 12 months after the reporting 
date. However, when there has been a significant increase in credit risk since origination, the allowance will be based on the lifetime ECL. When 
determining  whether  the  credit  risk  of  a  financial  asset  has  increased  significantly  since  initial  recognition  and  when  estimating  ECLs,  the 
Company  considers  reasonable  and  supportable  information  that  is  relevant  and  available  without  undue  cost  or  effort.  This  includes  both 
quantitative and qualitative information and analysis, based on the Company’s historical experience and informed credit assessment including 
forward-looking information. 

The Company considers a financial asset in default when contractual payments are 180 days past due. However, in certain cases, the Company 
may also consider a financial asset to be in default when internal or external information indicates that the Company is unlikely to receive the 
outstanding contractual amounts in full before taking into account any credit enhancements held by the Company. A financial asset is written 
off when there is no reasonable expectation of recovering the contractual cash flows and usually occurs when past due for more than one year 
and not subject to enforcement activity. At each reporting date, the Company assesses whether financial assets carried at amortized cost are 
credit-impaired. A financial asset is credit-impaired when one or more events that have a detrimental impact on the estimated future cash flows 
of the financial asset have occurred. 

Initial recognition and measurement 

Financial liabilities 
i) 
Financial liabilities are classified, at initial recognition, as financial liabilities at fair value through profit or loss, loans and borrowings, 
payables, or as derivatives designated as hedging instruments in an effective hedge, as appropriate. All financial liabilities are recognized 
initially at fair value and, in the case of loans and borrowings and payables, net of directly attributable transaction costs. 

ii)  Loans and borrowings and trade and other payables 
After initial recognition, interest-bearing loans and borrowings and trade and other payables are subsequently measured at amortized cost using 
the EIR method. Gains and losses are recognized in the consolidated statements of income (loss) when the liabilities are derecognized, as well 
as through the EIR amortization process. Amortized cost is calculated by taking into account any discount or premium on acquisition and fees 
or costs that are an integral part of the EIR. The EIR amortization is included as finance costs in the consolidated statements of income (loss). 

iii)  Derecognition 
A financial liability is derecognized when the associated obligation is discharged or cancelled or expires. When an existing financial liability is 
replaced by another from the same lender on substantially different terms, or the terms of an existing liability are substantially modified, such 
an exchange or modification is treated as the derecognition of the original liability and the recognition of a new liability. The difference in the 
respective carrying amounts is recognized in the consolidated statements of income (loss). 

Financial instruments valuation 
The Company measures derivatives at fair value at each balance-sheet date. Also, fair values of financial instruments measured at amortized 
costs are disclosed in Note 27.  

Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants 
at the measurement date. The fair value measurement is based on the presumption that he transaction to sell the asset or transfer the liability 
takes place either: 

•  

In the principal market for the asset or liability, or 

In the absence of a principal market, in the most advantageous market for the asset or liability. 

85 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

2. Summary of significant accounting policies (continued) 

C.  Significant accounting policies and future accounting changes (continued) 

Financial instruments valuation (continued) 
The principal or the most advantageous market must be accessible by the Company. The fair value of an asset or a liability is measured using 
the assumptions that market participants would use when pricing the asset or liability, assuming that market participants act in their economic 
best interest. The Company uses valuation techniques that are appropriate in the circumstances and for which sufficient data are available to 
measure fair value, maximizing the use of relevant observable inputs and minimizing the use of unobservable inputs. All assets and liabilities 
for which fair value is measured or disclosed in the consolidated financial statements are categorized within the fair value hierarchy, described, 
as follows, based on the lowest-level input that is significant to the fair value measurement as a whole: 

•  
•  

•  

Level 1 — Quoted (unadjusted) market prices in active markets for identical assets or liabilities, or 
Level 2 — Valuation techniques for which the lowest-level input that is significant to the fair value measurement is directly or indirectly 
observable, or 
Level 3 — Valuation techniques for which the lowest-level input that is significant to the fair value measurement is unobservable. 

For assets and liabilities that are recognized in the consolidated financial statements on a recurring basis, the Company determines whether 
transfers have occurred between levels in the hierarchy by re-assessing categorization (based on the lowest level input that is significant to the 
fair value measurement as a whole) at the end of each reporting period. An analysis of fair values of financial instruments and further details as 
to how they are measured are provided in notes 16 and 27. 

D.  Significant accounting judgments, estimates and assumptions 
The  preparation  of  financial  statements  in  conformity  with  IFRS  requires  the  Company's  management  to  make  judgments,  estimates  and 
assumptions that affect the application of accounting  policies and the reported amounts of assets, liabilities, income  and  expenses. Actual 
results may differ from these estimates. 

Estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognized in the year in which 
the estimates are revised and in any future years affected. 

Estimates 
Information about assumptions and estimation uncertainties that have a significant risk of resulting in a material adjustment within the next 
financial year are as follow: 

Estimates of mineral reserves and resources 
The amounts used in impairment indicators analysis are based on estimates of mineral reserves and resources. Reserve and resource estimates 
are based on engineering data, estimated future prices, expected future rates of production and the timing of future capital expenditures, all of 
which are subject to many uncertainties and interpretations. The Company expects that, over time, its reserve and resource estimates will be 
revised upward or downward based on updated information such as the results  of future drilling, testing and production levels, and may be 
affected by changes in iron ore prices. See note 10, Property, Plant and Equipment. 

Units of production depreciation 
The  units  of  production  used  in  the  depreciation  calculation  is  based  on  the  ore  feed  of  the  mill  compared  to  the  economically  recoverable 
reserves. 

Stripping costs 
Stripping costs are estimated based on additional volume mined due to a higher stripping ratio. A standard unit cost is applied to the volume. 
The unit cost is revalued on a quarterly basis. 

Impairment of exploration and evaluation assets 
Exploration and evaluation assets are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount 
may not be recoverable through future exploitation or sale. Such circumstances include the period for which the Company has the right to explore 
in a specific area, actual and planned expenditures, results of exploration, whether an economically-viable operation can be established and 
significant negative industry or economic trends. Management judgment is also applied in determining cash generating units, the lowest levels 
of exploration and evaluation assets grouping, for which there are separately identifiable cash flows, generally on the basis of areas of geological 
interest. See note 11, Exploration and Evaluation Assets. 

86 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

2. Summary of significant accounting policies (continued) 

D.  Significant accounting judgments, estimates and assumptions (continued) 

Estimate of rehabilitation obligation 
The rehabilitation obligation is based on the best estimate of the expenditures required to settle the present obligation at the end of the reporting 
period. The best estimate of the expenditure required to settle the present obligation is the amount that the company would rationally pay to 
settle obligation at the end of the reporting period or to transfer it to a third party. The rehabilitation obligation has been determined based on 
the Company’s internal estimates. Assumptions based on the current economic environment have been made, which management believes are 
a reasonable basis upon which to estimate the future liability. These estimates are reviewed regularly to take into account any material changes 
to the assumptions. However, actual rehabilitation costs will ultimately depend upon future market prices for the necessary rehabilitation works 
required that will reflect market conditions at the time. Furthermore, the timing of rehabilitation is likely to depend on when the Bloom Lake 
ceases to produce at economically viable rates. This, in turn, will depend upon future iron ore prices, which are inherently uncertain. See note 19, 
Rehabilitation Obligation. 

Share-based payments 
The Company uses the Black-Scholes option pricing model in determining share-based payments, which requires a number of assumptions to 
be made, including the risk-free interest rate, expected life, forfeiture rate and expected share price volatility. Consequently, actual share-based 
compensation may vary from the amounts estimated. See note 20, Share Capital and Reserves. 

Revenue recognition 
The  Company  recognizes  revenue  from  sales  of  concentrate  when  control  of  the  concentrate  passes  to  the  customer,  which  occurs  upon 
shipment. Revenue is recognized, at fair value of the consideration received or receivable to the extent that it is probable that economic benefits 
will flow to the Company and the revenue can be reliably measured, net of sale taxes. 

For all the sales contracts, the sales price is determined provisionally at the date of sale, with the final pricing determined at a mutually agreed 
date (generally between 2 to 3 months from the date of the sale), at a quoted market price at that time. This provisional pricing arrangement has 
the characteristics of an embedded derivative which does not qualify for hedge accounting and is recorded at fair value based on the forward 
iron concentrate prices for the relevant contract period. All subsequent mark-to-market adjustments are recorded in sales revenue up to the 
date of final settlement. 

Price changes for shipments awaiting final pricing at year-end could have a material effect on future revenues. As at March 31, 2019, there was 
US$81,472,000 (March 31, 2018: nil) in revenues that were awaiting final pricing. 

Valuation of deferred income tax assets 
To determine the extent to which deferred income tax assets can be recognized, management estimates the amount of probable future taxable 
profits that will be available against which deductible temporary differences and unused tax losses can be utilized. Such estimates are made as 
part of the budget on an undiscounted basis and are reviewed on a quarterly basis. Management exercises judgment to determine the extent to 
which realization of future taxable benefits is probable, considering factors such as the number of years to include in the forecast period. See 
Note 25 - Income taxes for more details. 

E.  New accounting standards issued and adopted by the Company 
A number of new or amended standards became applicable for the current reporting period and the Company had to change its accounting 
policies as a result of adopting the following standards: 

•  
•  

IFRS 9 Financial Instruments, and  
IFRS 15 Revenue from Contracts with Customers.  

The impact of the adoption of these standards and the new accounting policies are disclosed below. The other standards did not have any impact 
on the Company’s accounting policies and did not require retrospective adjustments. 

87 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

2. Summary of significant accounting policies (continued) 

E.  New accounting standards issued and adopted by the Company (continued) 

IFRS 9, Financial Instruments (“IFRS 9”) 

i) 
In  July  2014,  the  International  Accounting  Standards  Board  (“IASB”)  issued  IFRS  9,  which  represents  the  final  version  of  this  standard  and 
completes the IASB’s project to replace International Accounting Standard (“IAS”) 39, Financial Instruments: Recognition and Measurement. This 
standard includes updated guidance on the classification and measurement of financial assets and liabilities. 

This standard also introduces a new, expected credit loss impairment model that will require more timely recognition of expected credit losses. 
IFRS 9 also introduces a substantially-reformed model for hedge accounting with enhanced disclosures about risk management activity and 
aligns hedge accounting. There was no impact to the Company's consolidated financial statements as a result of adopting this standard. 

The accounting policies for financial instruments have been updated and disclosed in note 2C above. 

ii)  IFRS 15, Revenue from contracts with customers (“IFRS 15”) 
IFRS  15  presents  new  requirements  for  the  recognition  of  revenue,  replacing  IAS  18,  Revenue,  IAS  11,  Construction  Contracts,  and  several 
revenue-related interpretations. This standard establishes a control-based revenue recognition model and provides additional guidance in many 
areas  not  covered  in  detail  under  existing  IFRS,  including  how  to  account  for  arrangements  with  multiple  performance  obligations,  variable 
pricing, customer refund rights, supplier repurchase options, and other common complexities. The Company adopted IFRS 15 on April 1, 2018. 

As a result of the IFRS 15 adoption, the accounting policy for iron ore sales has been adopted and disclosed in note 2C above. 

F.  New significant Standards and Interpretations not yet adopted 

Australian Accounting Standards and International Financial Reporting Standards that have been issued but are not yet effective have not been 
adopted by the Company for the year ended March 31, 2019. 

IFRS 16, Leases (“IFRS 16”) 

i) 
In January 2016, the IASB released IFRS 16, Leases, to replace the previous leases Standard, IAS 17, Leases, and related Interpretations. IFRS 16 
sets out the principles for the recognition, measurement, presentation and disclosure of leases for both parties to  a contract, the customer 
(lessee) and the supplier (lessor). IFRS 16 eliminates the classification of leases as either operating leases or finance leases and introduces a 
single lessee accounting model. IFRS 16 also substantially carries forward the lessor accounting requirements. Accordingly, a lessor continues 
to classify its leases as operating leases or finance leases, and to account for those two types of leases differently. 

IFRS 16 will be effective for the Company’s fiscal year beginning on April 1, 2019, and the Company elected to use the modified retrospective 
approach. The Company will elect to apply the standard to contracts that were previously identified as leases applying IAS 17 and IFRIC 4. The 
Company will therefore not apply the standard to contracts that were not previously identified as containing a lease applying IAS 17 and IFRIC 4. 
In addition, the Company will elect to use the exemptions proposed by the standard on lease contracts for which the lease terms end within 
12 months as of the date of initial application, and lease contracts for which the underlying asset is of low value. 

The Company evaluated the impact the adoption of this standard will have on its consolidated financial statements. Where the Company is a 
lessee, IFRS 16 will result in on-balance sheet recognition of its leases that are considered operating leases under IAS 17. The Company does not 
expect a significant impact of the adoption of IFRS 16. 

3. Cash and cash equivalents 

As  at  March 31,  2019,  cash  and  cash  equivalents  totaling $135,424,000  (March 31,  2018:  $7,895,000)  consisted  of  cash  in  bank  chequing 
accounts. As  at  March 31,  2019, the  Company’s  cash  balance  is  comprised  of  $36,823,000  U.S.  dollars  ($49,207,000),  $265,000 Australian 
dollars ($251,000), and $85,966,000 Canadian dollars.

88 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

4. Short-Term Investments 

As of March 31, 2019, short-term investments of $17,907,000 (March 31, 2018: $17,291,000) include an amount of $16,941,000 which is pledged 
as security for letters of credit to third parties (March 31, 2018: $16,941,000) and an amount of $350,000 pledged as security for credit card 
obligations (March 31, 2018: $350,000). These short-term investments need to be pledged as security as long as the agreements are in place 
with third parties. Maturity date of those agreements vary from 2019 to 2027. Balance of $616,000 represents unpledged short-term investments 
(March 31, 2018: nil). 

5. Receivables 

Trade receivables 
Sales tax 
Government grants 
Refundable tax credits 
Other receivables 

As at March 31,   
2019    

As at March 31, 
2018  

79,464    
12,705    
—    
—    
843    
93,012    

—  
20,060  
4,229  
1,213  
336  
25,838  

For  the year  ended  March 31, 2019,  no  specific  provision  was  recorded  on  any  of  the  Company's  receivables  (March 31,  2018:  nil).  They  are 
generally settled within six months and are therefore, collectable. 

6. Prepaid Expenses and Advances 

Rail transportation 
Port 
Operational expenses 
Others 

7. Inventories 

Stockpiles ore 
Concentrate inventories 
Supplies and spare parts 

As at March 31,   
2019    

As at March 31, 
2018  

9,245    
1,943    
10,714    
2,284    
24,186    

7,558  
1,983  
5,007  
1,350  
15,898  

As at March 31,   
2019    

As at March 31, 
2018  

14,572  
10,196  
19,386  
44,154   

8,081 
36,449 
3,641 
48,171 

The amount of inventories recognized as cost of sales totalled $366,497,000 for the fiscal year 2019 (nil for the fiscal year 2018). 

89 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
 
 
 
 
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

8. Investments 

Investments in Listed Common Shares 
Fancamp Exploration Ltd. 
Others 

As at March 31,   
2019    

As at March 31, 
2018  

1,980    
673    
2,653    

1,980  
2,270  
4,250  

Investments in listed common shares are classified as financial assets at fair value through profit or loss. For the year ended March 31, 2019, 
the net decrease in the fair value of investments in common shares of $1,597,000 (increase for the year ended March 31, 2018 – $1,056,000) 
has been recorded as an unrealized loss (gain) on investments in the net finance costs of the consolidated statements of income (loss). 

9. Advance Payments 

Port 
Railway and port facilities 
Rail transportation 
Deposit related to rehabilitation obligation 
Investment in railway and port facilities partnership 
Other long term advance 

Port 

As at March 31,   
2019    

As at March 31, 
2018  

21,842    
4,610    
—    
6,000    
1,000    
4,798    
38,250    

23,546  
6,050  
6,921  
—  
1,000  
—  
37,517  

On July 13, 2012, the Company signed an agreement with the Sept-Îles Port Authority ("Port") to reserve annual loading capacity of 10 million 
metric tons of iron ore for an initial term of 20 years with options to renew for 4 additional 5-year terms. Pursuant to the Agreement, the Company 
made an advance payment of $25,581,000 and take-or-pay payments as an advance on its future shipping, wharfage and equipment fees. In 
2018, the Company has started to recognize loading costs as per the contract with the Port, the current portion of the advance is presented 
under Prepaid Expenses and Advances (note 6) and associated credit is now deducted from the advance on a monthly basis based on the agreed 
rate per ton. 

Railway and port facilities 

On October 12, 2017, the Company entered into a railway and stockyard facilities access agreement with Société Ferroviaire  et Portuaire de 
Pointe-Noire ("SFPPN") for the transportation, unloading, stockpiling and loading of iron ore concentrate from Sept-Iles to Pointe-Noire, Québec. 
In connection with the agreement, the Company make yearly advance payments of $3,750,000 to SFPPN to guarantee access to the yard. In 
addition,  during  the  year  ended  March  31,  2019,  the  Company  made  additional  advance  to  SFPPN  to  support  its  working  capital  needs  of 
approximately $800,000. 

Rail transportation 

On  June  8,  2017,  the  Company  entered  into  a  rail  transportation  agreement  with  Quebec  North  Shore  and  Labrador  Railway  Company,  Inc. 
("QNS&L") for the transportation of iron ore concentrate from Bloom Lake by rail from the Wabush Lake Junction in Labrador City, Newfoundland 
&  Labrador  to  the  Sept-Îles  Junction  in  Sept-Îles,  Quebec.  In  connection  with  the  agreement,  the  Company  made  an  advance  payment  of 
$15,000,000 which is recovered as a credit to transportation costs owing under the agreement based on the agreed rate per ton. In 2018, the 
Company has started to recognize transportation costs as per the contract with QNS&L. As of March 31, 2019, the advance was all transferred 
to Prepaid Expenses and Advances (note 6) as the outstanding balance is expected to be deducted in total within the next year. 

90 | P a g e  

 
 
 
 
 
 
 
 
 
 
   
   
   
   
 
 
 
 
 
 
 
 
 
 
 
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

9. Advance Payments (continued) 

Deposit related to rehabilitation obligation 

In accordance with the Quebec regulations, the Company deposited $6,000,000 to the Ministry of Finance during the year ended March 31, 2019 
(March 31, 2018: nil). The deposit is kept by the Ministry of Finance and will be reimbursed to the Company at the end of the mine life once the 
Company has completed its obligation with respect to the rehabilitation of the mine site. 

Other long-term advance 

The other long-term advance relates to amounts paid to SFPPN annually and recoverable from under the guarantee access agreement if certain 
conditions are met. 

91 | P a g e  

 
 
 
 
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

10. Property, Plant and Equipment 

Mining and 
Processing 
Equipment   

Locomotives, 
Railcars and 
Rails   

Tailings 
Dykes   

Assets under 
Construction   

COST 
March 31, 2018 
Additions 
Transfers, disposals and others 

Foreign exchange 
March 31, 2019 

ACCUMULATED 
March 31, 2018 
Depreciation 
Disposals and others 
Foreign exchange 
March 31, 2019 

Net book value - 
March 31, 2019 

COST 
March 31, 2017 
Additions 
Transfers, disposals and others 

Foreign exchange 
March 31, 2018 

ACCUMULATED 
March 31, 2017 
Depreciation 
Disposals and others 
Foreign exchange 
March 31, 2018 

Net book value - 
March 31, 2018 

Stripping 
Activity 
Asset   

—    
11,740    
8,124    
—    
19,864    

3,000    
14,941    
10,107    
—    
28,048    

107,894    
21,795    
(104,989 )  
—    
24,700    

13    
938    
—    
—    
951    

—    
—    
—    
—    
—    

—    
447    
—    
—    
447    

Others   

TOTAL 

5,412    
1,291    
(101 )  
(5 )  
6,597    

478    
927    
(101 )  
(7 )  
1,297    

179,604  
63,142  
(604 ) 

1,406  
243,548  

6,885  
13,343  
(602 ) 
(201 ) 
19,425  

23,766    
6,552    
86,255    
—    
116,573    

4,576    
8,837    
(501 )  
—    
12,912    

39,532    
6,823    
—    
1,411    
47,766    

1,818    
2,194    
—    
(194 )  
3,818    

103,661 

43,948 

27,097 

24,700 

19,417 

5,300 

224,123 

Mining 
Equipment   

Locomotives, 
Railcars and 
Rails 

Tailings 
Dykes   

Assets under 
Construction   

Stripping 
Activity 
Asset   

23,573    
600    
(407 )  
—    
23,766    

2,259    
2,317    
—    
—    
4,576    

41,452    
—    
—    
(1,920 )  
39,532    

104    
1,710    
—    
4    
1,818    

3,000    
—    
—    
—    
3,000    

—    
107,921    
(27 )  
—    
107,894    

—    
13    
—    
—    
13    

—    
—    
—    
—    
—    

—    
—    
—    
—    
—    

—    
—    
—    
—    
—    

Others   

TOTAL 

4,466    
946    
—    
—    
5,412    

72,491  
109,467  
(434 ) 

(1,920 ) 
179,604  

276    
204    
(2 )  
—    
478    

2,639  
4,244  
(2 ) 
4  
6,885  

19,190 

37,714 

2,987 

107,894 

— 

4,934 

172,719 

92 | P a g e  

 
 
 
 
 
 
 
   
   
   
   
   
   
 
 
   
   
   
   
   
   
 
 
   
   
   
   
   
   
 
 
   
   
   
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
   
   
   
   
 
 
 
 
   
   
   
   
   
   
 
 
 
   
   
   
   
   
   
 
 
   
   
   
   
   
   
 
 
   
   
   
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

11. Exploration and Evaluation Assets 

Labrador Trough (Quebec portion) 
Newfoundland 

Labrador Trough (Quebec portion) 
Newfoundland 

As at 
2018     
71,868    
269    
72,137    

As at 
2017     
69,624    
—    
69,624    

Exploration   

Others   

7,442    
1,946    
9,388    

(17 )  
—    
(17 )  

Exploration   

Others   

780    
269    
1,049    

1,464    
—    
1,464    

As at 
2019 
79,293  
2,215  
81,508  

As at 
2018 
71,868  
269  
72,137  

Exploration and evaluation assets mainly comprise mining rights and exploration and evaluation expenditures which typically include costs 
associated  with  prospecting,  sampling,  trenching,  drilling  and  other  work  involved  in  searching  for  ore  such  as  topographical,  geological, 
geochemical and geophysical studies. 

Exploration and evaluation assets are reported net of option payments and mining tax credits received, if any. 

12. Accounts Payable and Accrued Liabilities 

Trade payable and accrued liabilities 
Wages and benefits 
Restart costs 

13. Convertible Debenture, Altius 

Opening balance 
Proceeds (conversion) 
Fair value of derivatives 
Gain on extension of maturity date 
Accretion of debt discount 
Ending balance 

As at March 31,   
2019    

As at March 31, 
2018  

37,478    
7,219    
—    
44,697    

45,683  
5,032  
12,766  
63,481  

As at March 31,   
2019    

As at March 31, 
2018  

9,791    
(10,000 )  
—    
(713 )  
922  
—    

—  
10,000 
(1,191 ) 
—  
982 
9,791 

In  accordance with the  agreement,  on  December  31,  2018, the  convertible  debenture was  converted  into  10,000,000  ordinary  shares  of the 
Company at a conversion price of $1.00 per share. 

93 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
  
   
   
   
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
 
 
 
 
 
 
 
 
 
 
 
 
   
   
 
 
 
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

14. Note payable 

Consideration loan (US$28,260,000) 

As at March 31,   
2019    

As at March 31, 
2018  

—    

36,438  

On March 10, 2017, the Company entered into a Railcar Installment Sale Agreement to acquire 735 specialized iron ore railcars for consideration 
of US$30,078,000. The Company made a down payment of US$1,818,000 with the balance of the consideration being financed by a note owing 
to the vendor. The note matured on March 10, 2019 and has been fully repaid by the Company. 

15. Property Taxes Payable 

The property taxes payable relate to the real estate taxes of the municipality of Fermont, Quebec. 

Following the acquisition of the Bloom Lake property, the Company requested a revision of the property assessment. In December 2018, the 
authorities have approved a revised assessment confirming a lower taxable value. The decision resulted in a provision decrease amounting to 
$7,559,000. 

As at March 31, 2019, property taxes payable of $13,940,000 (March 31, 2018: $16,276,000) includes property taxes of $8,956,000 (March 31, 
2018: $14,469,000), accrued interest of $1,918,000 (March 31, 2018: $1,807,000) and property transfer duties of $3,066,000 (March 31, 2018: 
nil). 

The Company and the Town of Fermont have agreed that the Company will make monthly installments payments of $150,000 on the account of 
property taxes for Bloom Lake and the arrears of property taxes shall bear interest at the rate of 12%. Upon recommencement of commercial 
operations of Bloom Lake and provided that the price of 62% Fe iron ore minus an agreed upon transportation cost is greater than US$75 per 
metric tonne for a period of 90 consecutive days, the Company will pay the arrears in 24 monthly installments, subject to the condition that the 
arrears shall be paid in full by December 11, 2025. 

16. Long-Term Debt 

Opening balance 

Advances 
Transactions costs 
Termination fees PPA 
Accretion 
Fair value of warrants 
Interest capitalized 
Unrealized foreign exchange 

Less current portion 

Ending balance 

Sprott   

67,553    
25,340    
(588 )  
(4,564 )  
2,217    
—    
4,253    
3,775    
97,986    
(32,270 )  
65,716    

CDPI   

73,672    
41,220    
(1,030 )  
0    
1,728    
—    
10,462    
4,852    
130,904    
(3,582 )  
127,322    

As at March 31,   
2019    

As at March 31, 
2018  

141,225    
66,560    
(1,618 )  
(4,564 )  
3,945    
—    
14,715    
8,627    
228,890    
(35,852 )  
193,038    

—  
155,255  
(5,642 ) 
—  
1,478  
(17,730 ) 
4,833  
3,031  
141,225  
—  
141,225  

94 | P a g e  

 
 
 
 
 
 
 
 
 
 
   
   
 
 
 
 
 
 
 
 
 
   
   
 
 
 
 
   
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

16. Long-Term Debt (continued) 

On October 10, 2017, QIO entered into definitive agreements for debt financing of US$180,000,000 with the following terms:  

Lender: 
Amount: 
Maturity: 
Interest: 

Repayment: 

Sprott Private Resource Lending (Collector), LP (“Sprott”) 
US$80,000,000 
June 30, 2022 
7.5%  per  annum  plus  the  greater  of  US  dollar  3-month  LIBOR  and  1%  per  annum  calculated,  compounded  and  payable 
quarterly. QIO had the option to capitalize the interest until September 30, 2018. 
Commencing  on  March  31,  2019,  and  quarterly  thereafter,  1/14th  of  the  principal  balance  outstanding  (inclusive  of  any 
capitalized interest) on September 30, 2018. 

Prepayment: 

Option to prepay in whole or in part at anytime with a premium of 3%. 

Mandatory 
prepayment: 

Cash proceeds received on the disposal of any assets. 

Provided that a default or event of default has occurred, cash proceeds received on the disposal of any assets by a 
guarantor. 

Proceeds of any equity or debt (including convertible debt) financings, excluding intercompany financings. 

In the event of a change of control, QIO will repay the principal and interest. No amount shall be payable if the person 
acquiring control has financial strength equal to or superior to the financial strength of the Guarantor, in the discretion of the 
Lender. 

Security: 

(i) a title insured first ranking hypothec over the universality of movable and immovable property, corporeal and incorporeal, 
present and future, including all assets, titles and rights, in any nature whatsoever, related to the Project (including for 
greater certainty, the Mining Lease and all mining claims), subject only to Permitted Encumbrances; 

(ii) a first ranking general security agreement under Newfoundland and Labrador law in respect of the movable assets 
located in Newfoundland and Labrador, subject to Permitted Encumbrances; 

(iii) a title insured first ranking mortgage under Newfoundland and Labrador law in respect of the immovable assets located 
in Newfoundland and Labrador, subject only to Permitted Encumbrances; 

(iv) subordination agreements in favour of the Lender with respect to all amounts due from time to time by the Borrower to 
any Affiliates, including the Guarantor. 

Guarantors: 

(i) The Company, supported by a first ranking hypothec on securities pursuant to which the Company pledged and granted a 
first-priority encumbrance over all of the issued and outstanding shares of QIO held by the Company; 

(ii) Lac Bloom Railcars Corporation Inc., supported by a second ranking hypothec over all of its present and future movable 
property and a second ranking general security agreement over movable assets in Newfoundland and Labrador. 

Derivative 
A prepayment option derivative asset exists in respect with that option. The fair value of the prepayment option derivative asset was calculated 
to be $5,879,000 (note 18). The Company does not expect the execution of any of the mandatory conversion events. 

95 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

16. Long-Term Debt (continued) 

Lender: 
Amount: 
Maturity: 
Interest: 

CDP Investissements Inc. (''CDPI") 
US$100,000,000 
October 23rd, 2024 
12% per annum for the first year, calculated and capitalized monthly. Thereafter, the interest rate calculated on a monthly 
basis will change if the price of Iron ore per the IODEX 65% Fe CFR North China is: 

(i) lower than US$66/t: 14% (capitalized, no option to pay); 

(ii) higher than US$66/t but lower than US$76/t: 12% (the Company has the option to capitalized or to pay); 

(iii) higher than US$76/t: 10% (payable, no option to capitalized). 

From October 22, 2018, the actual interest rate was 10% and interest were paid as per schedule. Schedule payments are the 
last day of June and December. 

Repayment: 

October 23rd, 2023 – 50% of principal and capitalized interest.  

October 23rd, 2024 – the balance of the principal and capitalized interest, subject to the option to defer the payment of 
capitalized interest for 1 year. 

Mandatory 
Prepayment: 

In the event of a change of control or the closing of a public offering of QIO within 2 years from the date of the initial advance, 
QIO will repay the principal and interest calculated at 14% per annum since the date of the initial advance and a performance 
maintenance fee equal to the present value of all interest payments from the date of the initial advance to the maturity date. 

In the event of a change of control or the closing of a public offering of QIO after 2 years from the date of the initial advance, 
QIO will repay the principal and capitalized interest and an early redemption fee of 6%, 5%, 3%, 2% and 1% in years 3, 4, 5, 6, 
and 7, respectively. 

Prepayment 

In the event of a change of control, no amount shall be payable if the person acquiring control has the financial strength equal 
to or superior to the financial strength of the Guarantor, in the discretion of CDPI. 
After  2  years  from  October  23rd,  2017,  QIO  has  the  option  to  prepay  the  principal  and  capitalized  interest  subject  to  the 
payment of an early redemption fee of 6%, 5%, 3%, 2% and 1% in years 3, 4, 5, 6, and 7, respectively. An early redemption fee 
of 14% over the initial term of the loan is applicable if prepaid before October 23, 2019. 

Derivative 
A variable interest derivative asset exists and the fair value was calculated to be $3,904,000 (note 18). The Company does not expect to take 
advantage of this asset. 

Warrants 
In connection with the debt financing, the Company issued: (a) 3,000,000 common share purchase warrants to Sprott, entitling the holder to 
purchase 3,000,000 ordinary shares of the Company for $1.125 until October 16, 2022 and (b) 21,000,000 common share purchase warrants to 
CDPI, entitling the holder to purchase 21,000,000 ordinary shares of the Company for $1.125 after October 16, 2018 until October 16, 2024. 

The fair value of the common share purchase warrants was calculated using the Black-Scholes option pricing model. The fair values attributed 
to Sprott and CDPI warrants are respectively at $1,980,000 and $15,750,000. The common share warrants were accounted for as warrants in 
the consolidated statements of equity. 

96 | P a g e  

 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

17. Convertible Debenture, Glencore 

Opening balance 
Issue of convertible debenture 
Fair value of derivatives 
Change in fair value 
Accretion of debt discount 
Capitalized interest 
Payment of capitalized interest 
Ending balance 

As at March 31,   
2019    

Conversion 
Option 
24,683    
—    
—    
19,136    
—    
—    
—    
43,819   

Convertible 
Debenture 
14,016  
—  
—  
—  
(215 ) 
2,695  
(4,429 ) 
12,067 

As at March 31, 
2018  

Conversion 
 Option 
—  
—  
20,634 
4,049  
—  
—  
—  
24,683 

Convertible 
Debenture 
—  
31,200 
(20,634 ) 
—  
1,716 
1,734  
—  
14,016 

On  October  13,  2017,  the  Company  completed  a  non-brokered  private  placement  of  a  $31,200,000  unsecured  subordinated  convertible 
debenture (“Debenture”) to Glencore International AG (“Glencore”) with the following terms: 

Maturity: 
Prepayment: 

Interest: 

  October 13, 2025 
  The Company has the option to prepay the Debenture in whole, but not in part. In the event the Company 
elects to prepay the Debenture and the Debenture is not converted into ordinary shares of the Company 
prior  to  prepayment,  the  Company  will  grant  27,733,333  warrants  to  Glencore  entitling  the  holder  to 
purchase one ordinary share for $1.125 until October 13, 2025. 

  12% per annum for the first year, calculated and capitalized quarterly, payable in arrears on December 
31, 2018. Thereafter, the interest rate calculated on a quarterly basis will change if the price of Iron ore 
per the IODEX 65% Fe CFR North China is: 

(i) lower than US$66/t: 14%; 

(ii) higher than US$66/t but lower than US$76/t: 12%; 

(iii) higher than US$76/t: 10%. 

Conversion: 

Mandatory Conversion: 

Mandatory Conversion events: 

  Glencore has the option to convert the Debenture into ordinary shares of the Company at a conversion 

price of $1.125 per ordinary share. 
  Mandatory conversion of the Debenture  into ordinary shares of the Company at a conversion  price of 
$0.85 per ordinary share upon (a) the occurrence of a mandatory conversion event or (b) Sprott or CDPI, 
lenders for the debt financing of US180,000,000 for QIO, exercises their respective option to require a 
mandatory conversion. 
  (i) quarterly average iron ore prices during a quarter are such that the Bloom Lake financial model fails 
to demonstrate that the Bloom Lake has the capacity to meet all future obligations as they become due; 

(ii) QIO is merged into, absorbed or acquired by the Company and total net debt (being debt minus freely 
available cash and short-term investments) of the merged entity exceeds US$270,000,000; or 

(iii)  total  net  debt  from  the  Company,  QIO  and  Lac  Bloom  Railcars  Corporation  Inc.  exceeds 
US$250,000,000. 
  A conversion or mandatory conversion may not have the effect of causing Glencore to own 20% or more 
of the outstanding ordinary shares. 

Restriction on conversion: 

. 

97 | P a g e  

 
 
 
 
 
 
 
 
 
 
   
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

17. Convertible Debenture, Glencore (continued) 

As of March 31, 2019, the Company does not expect the execution of any of the mandatory conversion events. 

In connection with the closing of the Debenture, QIO entered into an off-take agreement with Glencore to grant global off-take rights for life-of-
mine of Bloom Lake with fixed commercial terms for a 10-year period for all tones of future iron ore production at Bloom Lake not sold in Japan 
under the existing off-take agreement with Sojitz. In the event of a Mandatory Conversion, the off-take terms will apply for the life-of-mine of 
Phase I of Bloom Lake and Glencore will have the option to convert the marketing fees under the off-take terms into a FOB-based royalty under 
certain circumstances. In addition, Glencore has been granted a right of first refusal in connection with the financing and off-take rights for iron 
ore production of Phase II of Bloom Lake not allocated to certain strategic investors. 

Derivative 
A prepayment option derivative exists in respect of that option. The fair value of the prepayment option derivative asset was calculated to be nil. 

A variable interest derivative asset exists and the fair value was calculated to be $1,017,000 (note 18). The Company does not expect to take 
advantage of this asset. 

A conversion option derivative liability exists in respect to the option of Glencore to convert and the option of Sprott and CDPI to require Glencore 
to convert the convertible debenture into ordinary shares of the company. 

The  fair  value  of  the  conversion  option  derivative  liability  was  calculated  using  the  Black-Sholes  option  pricing  model  with  the  following 
assumptions: 

Conversion options granted 
Exercise price 
Share price 
Risk-free interest rate 
Expected volatility based on historical volatility 
Valuation date 
Expected life of conversion option 
Expected dividend yield 
Forfeiture rate 
Fair value 

As at March 31,   
2019    

27,733,333  
$1.125  
$1.96  
1.6%  
86%  
March 31, 2019  
6.5 years  
0%  
0%  
$43,819,000   

As at March 31, 
2018  

27,733,333 
$1.125 
$1.17 
2.5% 
80% 
March 31, 2018 
7.5 years 
0% 
0% 
$24,683,000 

The equity conversion feature is accounted for as a derivative liability on the consolidated statements of financial position. 

18. Derivative Assets 

Prepayment option - Sprott 
Variable interest - CDPI 
Variable interest - Glencore 

  Notes   

As at March 31,   
2019    

As at March 31, 
2018  

16   
16   
17   

5,879    
3,904    
1,017    
10,800    

—  
—  
—  
—  

98 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
   
   
   
 
 
 
 
   
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

19. Rehabilitation Obligation 

Opening balance 
Increase due to reassessment of the rehabilitation obligation 
Accretion of rehabilitation obligation 
Ending balance 

As at March 31,   
2019    

As at March 31, 
2018  

35,893    
—    
672    
36,565    

25,155  
10,043  
695  
35,893  

The accretion of rehabilitation obligation was evaluated as the amount of the expenditure required to settle the present obligation at the end of 
the reporting period, discounted by the number of years between the reporting date and the rehabilitation date using a discount rate of 0.46% 
(0.53% for the year ended on March 31, 2018) representing a free-risk rate. The future rehabilitation obligation was reassessed during the year 
ended March 31, 2018 based on the reclamation plan submitted to the government in February 2018. Reassessment have been performed as at 
March 31, 2019 and no further revision was needed this year. The undiscounted amount related to the rehabilitation obligation is estimated at 
$39.9M. 

20. Share Capital and Reserves 

a) 

Share issuances 

Shares 
Opening balance 

Shares issued for public offering 
Shares issued for exercise of options - incentive plan 
Shares issued for exercise of options - outside incentive plan 
Shares issued for exercise of share rights 
Shares issued - conversion of Altius debenture 

Ending balance 

Year ended March 31, 

2019    
(in thousands)   

414,618    
—    
4,100    
1,000    
752    
10,000    
430,470    

2018  
(in thousands) 

385,934  
21,034  
5,400  
—  
2,250  
—  
414,618  

During the year ended March 31, 2019, the Company issued 15,852,000 common shares, as follows: 

i) 

4,100,000 common shares issued for exercise of option - incentive plan 

During the year ended March 31, 2019 the Company issued 4,100,000 shares pursuant to the exercise of stock options with a weighted average 
exercise price of $0.38 per share, for total net proceeds of $1,575,000. At the time the options were exercised the shares were trading at a weighed 
average price of $1.30. 

1,000,000 common shares issued for exercise of option - outside incentive plan 

ii) 
A number of 1,000,000 shares were issued pursuant to the exercise of stock options outside the share incentive plan with a weighted average 
exercise price of $0.45 per share, for total net proceeds of $450,000. At the time the options were exercised the shares were trading at a weighed 
average price of $1.35. 

iii) 

752,000 common shares issued for exercise of shares rights 

During the year ended March 31, 2019 the Company issued 752,000 common shares following the vesting of shares rights previously granted to 
a director. 

iv) 

10,000,000 common shares issued - conversion of Altius debenture 

On  December  31,  2018, Altius  exercised  its  option  to  retire  a  debt  associated with  a  $10,000,000  convertible  debenture  outstanding, which 
triggered the issuance of 10,000,000 common shares (refer to note 13). 

99 | P a g e  

 
 
 
 
 
 
 
 
 
 
   
   
 
 
 
 
 
 
 
 
 
 
 
 
   
   
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

20. Share Capital and Reserves (continued) 

b) 

Share-based payments 

A summary of the share-based payment expenses is detailed as follows: 

Stock-options costs 
Share rights costs 
Total share-based payments expensed 

c) 

Stock-options 

Three Months 

Year ended March 31, 

2019   

808   
1,000   
1,808   

2018  

1,012  
2,167  
3,179  

The Company is authorized to issue 43,047,000 stock options and share rights (March 31, 2018: 82,924,000) equal to 10% (March 31, 2018: 20%) 
of the issued and outstanding ordinary shares for issuance under the Omnibus incentive plan. 

The following table details the stock options activities of the share incentive plan: 

Opening balance 
Granted 
Exercised 
Cancelled 
Ending balance 
Options exercisable - end of year 

Year ended March 31,   
2019    

Number of 
Stock Options 
(in thousands)   
12,800  
1,730  
(4,100 ) 
(1,650 ) 
8,780  
7,410  

Weighted-
Average 
Exercise Price   

0.44    
1.33    
0.38    
0.90    
0.56    
0.43    

Number of 
Stock Options   
(in thousands)     
15,450    
2,750    
(5,400 )  
—    
12,800    
11,733    

Year ended March 31, 
2018  
Weighted-
Average 
Exercise Price 

0.30  
1.00  
0.32  
—  
0.44  
0.41  

A total of 1,730,000 new options were issued to independent directors and employees of the Company during the year ended March 31, 2019 out 
of  which  500,000  were  cancelled.  The  fair  market  value  of  the  outstanding  options  granted  during  the  year  ended  March 31, 2019  totalled 
$855,000. The options granted will mainly vest over a three-year period. 

A summary of the Company’s outstanding and exercisable stock options as at March 31, 2019 is presented below: 

Expiry Date 

  Exercise Price 

November 4, 2019 
April 11, 2020 
May 25, 2020 
July 10, 2020 
August 21, 2020 
April 26, 2021 
June 24, 2021 
September 14, 2021 
February 15, 2022 

  0.30 
  0.20 
  1.00 
  1.08 
  1.00 
  1.24 
  1.33 
  1.24 
  1.46 

             Number of Stock Options 

Outstanding   
(in thousands)   
500    
5,000    
950    
600    
500    
200    
500    
201    
329    
8,780    

Exercisable 
(in thousands) 
500  
5,000  
800  
400  
333  
200  
—  
67  
110  
7,410  

100 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

20. Share Capital and Reserves (continued) 

c) 

Stock-options (continued) 

The exercise price of outstanding stocks options ranges from $0.20 to $1.46 and the weighted-average remaining contractual life of outstanding 
stock options is 1.22 years. 

The share-based payment cost was calculated according to the fair value of options issued based on the Black Scholes valuation model using 
the following weighted average: 

Risk-free interest rate 
Expected volatility based on historical volatility 
Expected life of stock options 
Expected dividend yield 
Forfeiture rate 
Fair value per stock option - weighted average of options issued 

d) 

Share rights 

The following table details the share rights activities of the share incentive plan: 

Opening balance 
Granted 
Exercised 
Ending balance 

As at March 31,   
2019    

As at March 31, 
2018  

1.8% - 2.5%  
68% - 86%  
3 years  
0%  
0%  
$0.70    

2.5% 
80% 
3 years 
0% 
0% 
$0.48  

Year ended March 31, 

2019   

Number of Share 
rights   
(in thousands)  
—    
752    
(752 )  
—    

2018 
Number of Share 
rights 

(in thousands) 
—  
2,250  
(2,250 ) 
—  

On August 17, 2018, at the annual general meeting, 751,900 share rights were granted to the director and executive chairman. The share rights 
vested  and were  converted  into  751,900  ordinary  shares  at  $1.33  per  share. A  share-based  payment  expense  amounting to  $1,000,000 was 
recorded. 

e) 

Compensation Options 

Exercise Price 

$0.250 
Balance - March 31, 2018 and March 31, 2019 

f) 

Warrants 

Exercise Price 

$1.125 
$1.125 
Balance - March 31, 2018 and March 31, 2019 

Expiry Date   

Outstanding and 
exercisable 

February 1, 2020  

21,000,000 
21,000,000 

  Notes   

Expiry Date   

16  
16  

October 16, 2022  
October 16, 2024  

Outstanding and 
exercisable 

3,000,000 
21,000,000 
24,000,000 

101 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
 
   
 
 
 
   
   
   
 
 
   
   
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

21. Cost of Sales 

Land transportation 
Operating supplies and parts 
Salaries, benefits and other employee expenses 
Sub-contractors 
Other production costs 
Change in inventories 

Year ended March 31, 

2019    

131,461    
82,524    
60,270    
62,847    
7,756    
7,088    
351,946    

2018  

—  
—  
—  
—  
—  
—  
—  

The Company considers that the pre-commercial activities at its Bloom Lake mine started April 1, 2018, when the shipment of high-grade iron 
ore was first made. Consequently, they are no mining operating expenses for the comparative periods ended March 31, 2018. 

22. General and Administrative Expenses 

Salaries, benefits and other employee expenses 
Professional fees 
Office and other expenses 
Travel expenses 
Other income 

23. Sustainability and other community expenses 

Property and school taxes 
Impact and benefits agreement 
Other expenses 

Year ended March 31, 

2019    

6,923    
3,302    
3,152    
860    
(198 )  
14,039    

Year ended March 31, 

2019    

8,359    
3,439    
428    
12,226    

2018  

5,046  
3,380  
2,136  
287  
(222 ) 
10,627  

2018  

—  
—  
—  
—  

102 | P a g e  

 
 
 
 
 
 
 
 
 
 
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
   
 
 
 
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

24. Net Finance Costs 

Interest on long-term debts and convertible debentures 
Change in fair value of derivative liabilities 
Change in fair value of derivative assets 
Realized and unrealized foreign exchange loss 
Accretion of borrowing costs and debt discount 
Unrealized loss (gain) on investments 
Accretion of rehabilitation obligation 
Other interest and finance costs (income) 

25. Income and Mining Tax 

a) Deferred Income Tax 

Deferred tax asset 
Deferred tax liability 
Net deferred tax liabilities 

Year ended March 31, 

2019   

28,943    
19,136    
(10,800 )  
5,077    
3,811    
1,597    
672    
1,574    
50,010    

2018 

13,231  
3,590  
—  
2,585  
4,207  
(1,056 ) 
695  
(171 ) 
23,081  

As at March 31,   
2019    
15,549   
(53,009 )  
(37,460 )  

As at March 31, 
2018  

—  
(5,465 ) 
(5,465 ) 

The movement in deferred income tax asset during the year, without taking into consideration the offsetting of balances within the same tax 
jurisdiction, is as follows: 

Deferred tax asset 

As at April 1, 2017 (restated) 
Charged to statement of loss 
As at March 31, 2018 
Credited to statement of income 
As at March 31, 2019 

Operating 
losses carried 
forward   

Rehabilitation 
obligation   

Transaction 
 costs   

Exploration 
and evaluation 
assets   

—    
—    
—    
1,614    
1,614    

—    
—    
—    
9,690    
9,690    

—    
—    
—    
128    
128    

—   
—   
—   
2,309   
2,309   

Other   

Total 

—    
—    
—    
1,808    
1,808    

—  
—  
—  
15,549  
15,549  

The movement in deferred income tax liability during the year, without taking into consideration the offsetting of balances within the same tax 
jurisdiction, is as follows: 

Deferred tax liability 

As at April 1, 2017 (restated) 
Charged to statement of loss 
As at March 31, 2018 
Charged to statement of income 
As at March 31, 2019 

Property, plant 
and equipment    Mining tax   

—    
—    
—    
38,418  
38,418   

5,465    
—    
5,465    
7,320  
12,785   

Other   

Total 

—    
—    
—    
1,806  
1,806   

5,465  
—  
5,465 
47,544  
53,009 

103 | P a g e  

 
 
 
 
 
 
 
 
 
 
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
 
 
 
 
 
 
   
   
   
   
   
 
 
   
   
   
   
 
 
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

25. Income and Mining Tax (continued) 

a) Deferred Income Tax (continued) 

The  Company  has  $11,532,000  of  net  deductible  temporary  differences,  other  than  Canadian  exploration  expenses,  cumulative  Canadian 
development  expenses  and  tax  losses,  for  which  deferred  tax  assets  have  not  been  recognized  as  at  March  31,  2019  (March  31,  2018: 
$11,267,000). 

As at March 31, 2019, the Company has $63,199,000 (March 31, 2018: $157,201,000) in operating losses carried forward that can be carried 
forward  against  future  taxable  income  ($54,215,000  -  expire  between  2027  and  2039  and  $8,984,000  -  indefinitely).  Out  of  those  losses, 
$57,108,000 (March 31, 2018: $155,694,000) were not recognized. 

As  at  March  31,  2019,  the  Company  has  cumulative  Canadian  exploration  expenses  of  $35,225,000  (March  31,  2018:  $36,402,000)  and 
cumulative Canadian development expenses of $17,668,000 (March 31, 2018: $7,028,000) which may be carried forward indefinitely to reduce 
taxable income in future years. The Company did not recognize deferred tax assets in respect of $44,179,043 (March 31, 2018: $43,430,000) of 
those expenses. 

As at March 31, 2019, the Company has $1,778,000 (March 31, 2018: $1,778,000) of investment tax credit that can be carried forward against 
future income tax payable and that will expire between 2033 and 2035. 

b) Income and Mining Tax Expense  

Current income tax 
Current income tax on profits for the year 
Current mining tax on profits for the year 
Total current income tax 

Deferred income tax 
Deferred income tax for the year 
Deferred mining tax for the year 
Total deferred income tax 
Income and Mining tax expense 

Year ended March 31, 

2019   

2018 

(42 )   
34,059    
34,017    

24,675    
7,320    
31,995      
66,012    

—  
—  
—  

—  
—  

—  

The tax on the Company's income before income tax differs from the theoretical amount that would arise using the weighted average tax rate 
applicable to profits of the consolidated entities as follows: 

Year ended March 31, 

Income (loss) before income tax 
Canadian combined tax rate 
Tax calculated at Canadian combined tax rate 

Tax effects of: 
   Difference in tax rate 
   Recognition of previously unrecognized tax benefits 
   Unrecorded tax benefits 
   Expenses not deductible for tax purposes 
   Other taxes included in income tax expense 
   Other 
Income and Mining tax expense 

2019   

213,611  

26.68 %  
56,991  

(655 )   
(32,513 )   
9,092  
1,851  
30,452  
794  
66,012  

2018 

(107,331 ) 
26.78 % 
(28,743 ) 

—  
—  
28,743  
—  
—  
—  
—  

104 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
   
   
 
 
 
 
   
   
   
   
 
 
 
 
 
 
 
 
 
 
   
   
 
 
 
 
 
 
   
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

26. Earnings (Loss) per Share 

Earnings (loss) per share amounts are calculated by dividing the net income (loss) attributable to shareholders for the year ended March 31, 2019 
by the weighted average number of shares outstanding during the year. 

Net income (loss) 

Weighted average number of common shares outstanding 
Dilutive share options and convertible financial liabilities 
Weighted average number of outstanding shares for diluted earnings (loss) per share 
Basic earnings (loss) per share 
Diluted earnings (loss) per share 

27. Financial Instruments 

Measurement Categories 

Year ended March 31, 

2019    

83,046    

420,677,000    
28,831,000    
449,508,000    
0.20    
0.18    

2018  

(74,475 ) 

398,125,000  
—  
398,125,000  
(0.19 ) 
(0.19 ) 

Financial assets and financial liabilities have been classified into categories that determine their basis of measurement and, for items measured 
at fair value, whether changes in fair value are recognized in the profit or loss or in OCI. These categories are financial assets at amortized cost, 
financial assets at FVTPL and financial liabilities at amortized cost. The following table shows the carrying values of assets and liabilities for each 
of these categories as at March 31, 2019 and March 31, 2018. 

As at March 31, 2019 

Assets 
Current 
   Cash and cash equivalents 
   Short-term investments 
   Receivables (excluding sales tax) 

Non-current 
   Investments 
   Derivative assets 

Liabilities 
Current 
   Accounts payable and accrued liabilities 
   Current portion of long-term debt 

Non-current 
   Property taxes payable 
   Long-term debt 
   Convertible debenture, Glencore 
   Derivative liabilities 

Fair Value 
Through Profit 
and Loss   

Financial 
Assets at 
Amortized 

Financial 
Liabilities at 
Amortized 

Total Carrying 
Amount and 
Fair Value 

—    
—    
80,307    

2,653    
10,800    
93,760    

—    
—    
—    

—    
—    
—    
43,819    
43,819    

135,424    
17,907    
—    

—    
—    
153,331    

—    
—    
—    

—    
—    
—    

—    
—    
—    

—    
—    
—    
—    
—    

44,697    
35,852    
80,549    

13,940    
193,038    
12,067    
—    
299,594    

135,424  
17,907  
80,307  

2,653  
10,800  
247,091  

44,697  
35,852  
80,549  

13,940  
193,038  
12,067  
43,819  
343,413  

105 | P a g e  

 
 
 
 
 
 
 
 
 
 
  
   
 
 
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
   
   
   
  
   
   
   
   
   
   
   
 
 
 
 
   
   
   
   
  
   
   
   
 
 
 
 
 
 
  
   
   
   
  
   
   
   
  
   
   
   
 
 
 
 
  
   
   
   
 
 
 
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

27. Financial Instruments (continued) 

As at March 31, 2018 

Assets 
Current 
   Cash and cash equivalents 
   Short-term investments 
   Receivables (excluding sales tax) 

Non-current 
   Investments 

Liabilities 
Current 
   Accounts payable and accrued liabilities 
   Convertible debenture, Altius 
   Note payable 

Non-current 
   Property taxes payable 
   Long-term debt 
   Convertible debenture, Glencore 
   Derivative liabilities 

Financial Risk Factors 

a) Market 

i. Fair Value 

Non current - Investments 

Fair Value 
Through Profit 
and Loss   

Loans and 
receivables   

Financial 
Liabilities at 
Amortized 

Total Carrying 
Amount and 
Fair value 

—    
—    
—    

7,895    
17,291    
5,777    

4,250    
4,250    

—    
30,963    

—    
—    
—    
—    

—    
—    
—    
24,683    
24,683    

—    
—    
—    
—    

—    
—    
—    
—    
—    

—    
—    
—    

—    
—    

63,481    
9,791    
36,438    
109,710    

16,276    
141,225    
14,016    
—    
281,227    

7,895  
17,291  
5,777  

4,250  
35,213  

63,481  
9,791  
36,438  
109,710  

16,276  
141,225  
14,016  
24,683  
305,910  

The fair values of the investment are measured at the common share market price on the measurement date. 

Derivative assets 

Prepayment options are measured based on discounted cash flow adjusted to the actual potential refinancing rate at the measurement date. 
Variable interest rate feature is measured based on a discounted cash flow using the forward price of iron ore concentrate at the measurement 
date. 

106 | P a g e  

 
 
 
 
 
 
 
 
 
  
   
   
   
  
   
   
   
   
   
   
   
 
 
 
 
   
   
   
   
  
   
   
   
 
 
 
 
  
   
   
   
  
   
   
   
  
   
   
   
 
 
 
 
 
  
   
   
   
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

27. Financial Instruments (continued) 

Financial Risk Factors (continued) 

a) Market (continued) 

i. Fair Value (continued) 

Derivative liabilities - Convertible Debenture 

The conversion feature included in the convertible debenture is evaluated by the Company based on parameters such as interest rates and the 
risk characteristics of the financial assets using Black-Scholes evaluation model. 

There are no transfers between Level 1, Level 2 and Level 3 during the year ended March 31, 2019. The following table shows the carrying values 
of assets and liabilities for each of these level as at March 31, 2019 and March 31, 2018. 

As at March 31, 2019 

Financial Asset at Fair Value Through Profit and Loss 
Non-current investments 
Derivative assets 

Financial Liabilities 
Derivative liabilities 

As at March 31, 2018 

Financial Asset at Fair Value Through Profit and Loss 
Non-current investments 

Financial Liabilities 
Derivatives liabilities 

ii. Interest rate risk 

Level 1   

Level 2   

Level 3   

Total 

2,653    
—    

Level 1   

4,250    

—    
10,800    

43,819    

Level 2   

—    

—    

24,683    

—    
—    

—    

Level 3   

—    

—    

2,653  
10,800  

43,819  

Total 

4,250  

24,683  

Interest risk is the risk that the value of assets and liabilities will change when the related interest rates change. The Company is exposed to 
interest rate risk primarily on its long-term debt and does not take any particular measures to protect itself against fluctuations in interest rates. 
The long-term debt with Sprott provides for an interest on the outstanding principal amount from the date of advance to the Company at a rate 
equal to 7.5% per annum plus the greater of US dollar 3-month LIBOR and 1% per annum. Related interest rates are based on market interest 
rates. A decrease in the LIBOR rate for the long-term debt of 1% would generate an increase of US$785,000 in net income over a 12 months 
horizon based on the outstanding balances as at March 31, 2019. An increase in the LIBOR rate for the long-term debt of 1% would generate a 
decrease of US$785,000 in net income and equity over a 12 months horizon based on the outstanding balances as at March 31, 2019. 

As for the long-term debt with CDPI, the interest rate equals 12% per annum for the first year, and thereafter, at an interest rate linked to the iron 
ore price indexes. From October 22, 2018, the actual interest rate was 10%. A decrease in the iron ore price between US$66 and US$76 would 
generate  a  decrease  of  US$2,210,000  in  net  income  over  a  12  months  horizon  based  on  the  outstanding  balances  as  at  March 31,  2019.  A 
decrease in the iron ore price lower than US$66 would generate a decrease of US$4,420,000 in net income over a 12 months horizon based on 
the outstanding balances as at March 31, 2019. 

The convertible debenture with Glencore has the same interest rate determination mechanism as CDPI. A decrease in the iron ore price between 
US$66 and US$76 would generate a decrease of $624,000 in net income over a 12 months horizon based on the outstanding balances as at 
March 31, 2019. A decrease in the iron ore price lower than US$66 would generate a decrease of $1,248,000 in net income over a 12 months 
horizon based on the outstanding balances as at March 31, 2019. 

 With the exception of its long-term debt, the Company’s current financial assets and financial liabilities are not significantly exposed to interest 
rate risk because either they are of a short-term nature or because they are non-interest bearing. 

107 | P a g e  

 
 
 
 
 
 
 
 
 
 
   
   
   
   
   
   
   
   
 
 
 
 
   
   
   
   
   
   
   
   
   
 
 
 
 
 
   
   
   
   
   
   
   
   
 
 
 
   
   
   
   
   
   
   
   
 
 
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

27. Financial Instruments (continued) 

a) Market (continued) 

iii. Commodity price risk 

Commodity price risk arises from fluctuations in market prices of iron ore. The Company is exposed to the commodity price risk, as its iron ore 
sales are predominantly subject to prevailing market prices. The Company has limited ability to directly influence market prices of iron ore. The 
Company  has  sought  to  establish  strategies  that  mitigate  its  exposure  to  iron  ore  price  volatility  in  the  short-term. The  strategy  of  utilizing 
renowned  brokers  is  aimed  at providing  some  protection  against  decreases in the  iron  ore  price while  maintaining  some  exposure to  pricing 
upside. 

However, the Company’s iron ore sales contracts are structured using the iron ore price indexes. These are provisionally priced sales volumes for 
which price finalization is referenced to the relevant index at a future date or the valuation is prescribed in some of the contracts. The estimated 
consideration in relation to the provisionally priced contracts is marked to market using the spot iron ore price at the end of each reporting period 
with the impact of the iron ore price movements recorded as an adjustment to operating sales revenue. 

The Company’s exposure at balance date to the impact of movements in the iron ore price upon provisionally invoiced sales volumes is set out 
below: 

(in US dollars) 
Sensitivity of Ore Sales Revenue for Provisionally Priced Sales Volumes as at: 

Ore sales Revenue over 1,026,000 tonnes (DMT): 
   10% increase in iron ore prices 
   10% decrease in iron ore prices 

Year ended March 31, 

2019    

8,147    
(8,147 )  

2018  

—  
—  

The sensitivities have been determined as the dollar impact on ore sales revenues of a 10% increase and decrease in realized prices at each 
reporting  date,  while  holding  all  other  variables,  including  foreign  exchange  rates,  constant.  The  relationship  between  iron  ore  prices  and 
exchange rates is complex, and movements in exchange rates can impact commodity prices. The above sensitivities should therefore be used 
with caution. 

iv. Foreign Exchange Risk 

Foreign  currency  risk  is  the  risk  that  the  Company  financial  performance  could  be  affected  by  fluctuations  in  the  exchange  rates  between 
currencies. The Company's sales, sea freight and credit facilities costs are denominated in US dollars. As such, the Company benefits from a 
natural hedge between its revenues and its sea freight and credit facilities costs.  Still, the Company is exposed to foreign currency fluctuations 
as its cost of sales and general and administrative expenses are mainly incurred in Canadian dollars. Currently, the Company has no hedging 
contracts  in  place  and therefore  has  exposure to the foreign  exchange  rate fluctuations. The  strengthening  of the  US  dollar would  positively 
impact the Company’s net income and cash flow while the strengthening of the Canadian dollar would reduce its operating margin and cash flow. 

The following table indicates the foreign currency exchange risk as at March 31, 2019 and March 31, 2018. 

(in US dollars) 

Current Assets 
   Cash and cash equivalents 
   Receivables (excluding sales tax) 

Current Liabilities 
   Accounts payable and accrued liabilities 
   Current portion of long-term debt 
   Note payable 

Non-current - Long-term debt 
Total foreign currency net assets and liabilities in USD 

CAD dollar equivalents 

  As at March 31, 2019 

As at March 31, 2018 

36,823  
59,466  

(722)  
(26,830)  
—   

(162,148)  
(93,411)   

(124,825)   

17 
—  

(10 ) 
—  
28,259 

(125,696) 
(97,430) 

(130,195) 

108 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
   
   
   
   
 
 
 
 
 
   
   
 
 
 
   
   
  
   
 
 
 
 
  
   
 
 
 
  
   
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

27. Financial Instruments (continued) 

iv. Foreign Exchange Risk (continued) 

Assuming that all other variables are constant, a 10% weakening of the US dollar exchange rate would have generated an increase of $12,482,000 
in net income for the year ended March 31, 2019 (March 31, 2018: $13,019,000). A 10% strengthening of the US dollar exchange rate would have 
generated a decrease of $12,482,000 in net income for the year ended March 31, 2019 (March 31, 2018: $13,019,000). 

b) 

Credit risk 

Credit risk is the risk of financial loss to the Company if a counterparty to a financial instrument fails to meet its contractual obligations. Credit 
risk arises principally from the Company’s cash  and cash  equivalents, short-term investments, and trade receivables. The  Company’s major 
exposure to credit risk is in respect of trade receivables. Trade receivable credit risk is mitigated through established credit monitoring activities. 
These include conducting financial and other assessments to establish and monitor a customer’s credit worthiness, setting customer limits, 
monitoring exposure against these limits. 

c) 

Liquidity risk 

Liquidity risk is the risk that the Company will encounter difficulty in meeting its financial liabilities that are settled in cash or other financial 
assets. The Company’s approach to managing liquidity risk is to ensure, as far as possible, that it will have sufficient liquidity to meet its liabilities 
as they come due. The amounts for accounts payable and accrued liabilities are subject to normal trade terms. 

109 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

28. Capital Risk Management 

Capital of the Company consists the components of shareholders’ equity and debt facilities. The Company’s objective when managing capital is 
to safeguard the Company’s ability to continue as a going concern so that it can acquire, explore and develop mineral resource properties for the 
benefit of its shareholders. The Company manages its capital structure and makes adjustments based on the funds available to the Company in 
light of changes in economic conditions. The Board of Directors has not established quantitative return on capital criteria for management, but 
rather  relies  on  the  expertise  of  the  Company’s  management  to  sustain  the  future  development  of  the  Company.  In  order  to  facilitate  the 
management of its capital requirements, the Company prepares annual expenditure budgets that consider various factors, including successful 
capital deployment and general industry conditions. Management reviews its capital management approach on an ongoing basis and believes 
that this approach, given the relative size of the Company, is reasonable. 

Historically, borrowings and equity financing were the Company's principal source of capital. As the Company commenced selling iron ore on 
April 1, 2018, the Company is now generating cash flows. Accordingly, the Company anticipates that its mine operations will generate sufficient 
working capital and cash flow to cover operating requirements for the next twelve months including principal debt and interest repayments. The 
following table presents the contractual principal repayments of the long-term debt. 

Less than a year 
1 to 5 years 
More than 5 years 
Total 

As at March 31,   
2019    
30,544    
202,354    
0    
232,898    

As at March 31, 
2018  
5,025  
109,969  
43,969  
158,963  

29. Key management compensation 

The Company considers its directors and officers to be key management personnel. Transactions with key management personnel are set out as 
follows: 

Salaries 
Bonus 
Share-based payments, representing share-based compensation 
Consulting fees 
All other remuneration 

30. Commitments and Contingencies 

Year ended March 31, 

2019    
1,870    
2,594    
1,554    
289    
745    
7,052    

2018  
1,078  
4,660  
2,775  
626  
108  
9,247  

The Company has various obligations related to take-or-pay features of its logistics contracts. The Company has also other commitments with 
the Innu community related to the Impact and Benefits Agreement. Future minimum payments under these agreements are as follow:  

Less than a year 
1 to 5 years 
More than 5 years 
Total 

The Company does not have any contingent liabilities. 

As at March 31,   
2019    

As at March 31, 
2018  

135,798    
75,894    
186,660    
398,352    

64,927  
163,812  
91,905  
320,644  

110 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
   
   
 
 
 
 
 
 
 
 
 
 
 
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
 
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

31. Parent Entity Information 

Information relating to Champion Iron Limited: 

Current assets 
Non-current assets 
Total assets 

Current liabilities 
Non-current liabilities 
Due to QIO 
Total liabilities 

Net assets 

Share capital 
Contributed surplus 
Accumulated deficit 
Total equity 

Net loss of the parent entity 
Comprehensive loss of the parent entity 

As at March 31,   
2019    

As at March 31, 
2018  

33,238    
77,853    
111,091    

2,084    
55,886    
—    
57,970    

53,121    

91,761    
8,888    
(47,528 )  
53,121    

18,716    
18,716    

24,873  
89,016  
113,889  

10,095  
38,699  
6,000  
54,794  

59,095  

78,590  
9,079  
(28,574 ) 
59,095  

11,606  
11,606  

111 | P a g e  

 
 
 
 
 
 
 
 
 
 
   
   
 
 
 
 
  
   
 
 
 
 
 
  
   
 
 
  
   
 
 
 
 
 
  
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

32. Subsidiary Entity Information 

Set out below is the Company’s summarized financial information for its subsidiary, Quebec Iron Ore Inc., which has a material non-controlling 
interests. The amounts disclosed for its subsidiary are based on those included in the financial statements before inter-company eliminations. 

Quebec Iron Ore Inc. 

Summarized statement of financial position for Quebec Iron Ore Inc. before inter-company eliminations 

Non-controlling interest percentage - Ressources Quebec 

As at March 31,   
2019   

As at March 31, 
2018 

36.8 %  

36.8 % 

Current assets 
   Other current assets 
   Current inter-company assets 
Total current assets 

Current liabilities 
   Other current liabilities 
   Current inter-company liabilities 
Total current liabilities 

Non-current assets 
   Other non-current assets 
   Non-current inter-company assets 
Non-current assets 

Non-current liabilities 

Net assets 

Summarized statement of income for Quebec Iron Ore Inc. before inter-company eliminations 

Revenues 
Net income (loss) and comprehensive income (loss) 
Net income (loss) attributable to non-controlling interest 

302,873    
1,748    

304,621  

110,742    
4,685    

115,427  

189,194  

241,022  
36,406  
277,428  

280,240  

186,382  

106,984  
—  
106,984  

59,890  
14,585  
74,475  

32,509  

171,851  
6,000  
177,851  

193,395  

16,965  

Year ended March 31, 

2019   

655,129    
175,416    
64,553    

2018 

—  
(89,282 ) 
(32,856 ) 

The accumulated non-controlling interest in Quebec Iron Ore is $65,376,000 as at March 31, 2019 (March 31, 2018: $823,000). 

112 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
   
   
 
 
  
   
  
   
 
 
 
 
 
  
   
   
   
 
 
 
 
 
   
   
 
 
 
 
   
   
   
   
 
 
 
 
 
 
 
   
   
 
 
 
   
   
 
 
 
 
 
 
 
  
   
 
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

32. Subsidiary Entity Information (continued) 

Summarized cash flows for Quebec Iron Ore Inc. before inter-company eliminations 

Cash flows from operating activities 
Cash flows from financing activities 
Cash flows from investing activities 
Net generated cash flow 

33. Auditors Remuneration 

Total of all remuneration received or due and receivable by the auditors in connection with: 

Year ended March 31, 

2019    

133,506    
60,376    
(71,160 )   
122,722    

2018  

(126,355 ) 
238,936  
(113,628 ) 
(1,047 ) 

Year ended March 31, 

2019    

2018  

E&Y Canada 
Audit fees 
Audit related fees 
Tax fees 
All other fees 

E&Y Australia 
Audit fees 
Audit related fees 
Remuneration consulting services 
Tax fees 
All other fees 

230  
45  
33  
42  
350   

171   
—    
—    
—    
—    
171  
521   

34. Financial Information Included in the Consolidated Statement of Cash Flows 

a) 

Changes in non-cash operating working capital 

Receivables 
Prepaid expenses and advances 
Inventories 
Advance payments 
Accounts payable and accrued liabilities 
Current income tax 
Property taxes not paid 
Other long-term liability 

b) 

Supplementary Cash Flow Information 

Year Ended March 31, 

2019    

(65,981 )  
(8,288 )  
2,609    
(733 )  
(18,784 )  
34,059    
(2,447 )  
4,798    
(54,767 )  

202 
44 
25 
63 
334 

149 
—  
—  
—  
—  
149 
483 

2018  

(19,196 ) 
(15,619 ) 
(48,171 ) 
(30,517 ) 
61,513  
—  
7,224  
—  
(44,766 ) 

Depreciation of property, plant and equipment allocated to stripping activity asset 
Net effect of depreciation of property, plant and equipment allocated to inventory 

Year ended March 31, 

2019    

(200 )  
1,408    

2018  

—  
—  

113 | P a g e  

 
 
 
 
 
 
 
 
 
 
   
   
 
 
 
 
 
 
 
 
 
 
   
   
 
 
 
 
 
 
 
   
   
   
   
 
 
 
 
 
 
 
 
   
   
 
 
 
 
 
 
 
 
 
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

35. Segment Information 

The Company is conducting exploration and evaluation and mining operations activities in Canada. The business segments presented reflect the 
management structure of the Company and the way in which the Company’s chief operating decision maker reviews business performance. The 
Company  evaluates  the  performance  of  its  operating  segments  primarily  based  on  segment  operating  income,  as  defined  below.  Since  the 
Company has started production at the mine site which represent all the mining operation, it was identified as a segment. The exploration and 
corporate were identified as a separate segment due to their specific nature. 

Year Ended March 31, 2019 

Revenues 
Cost of sales 
Depreciation 
Gross profit (loss) 

Share-based payments 
General and administrative expenses 
Restart costs 
Sustainability and other community expenses 
Property taxes adjustment 
Exploration and evaluation 
Operating income (loss) 
Non-operating expenses 
Income (loss) 

Segmented total assets 
Segmented total liabilities 
Segmented capital expenditures 

Year Ended March 31, 2018 

Revenues 
Cost of sales 
Depreciation 
Gross profit (loss) 

Share-based payments 
General and administrative expenses 
Restart costs 
Sustainability and other community expenses 
Property taxes adjustment 
Exploration and evaluation 
Operating income (loss) 
Non-operating expenses 
Income (loss) 

Segmented total assets 
Segmented total liabilities 
Segmented capital expenditures 

Mine Site   

Exploration 
and Evaluation   

Corporate   

Total 

655,129    
(351,946 )   
(14,511 )   
288,672    

—    
(3,391 )   
(4,497 )   
(12,210 )   
7,559    
—    
276,133    
(91,912 )   
184,221    

—    
—    
—    
—    

—    
—    
—    
—    
—    
—    
—    
—    
—    

573,927    
(390,982 )   
223,802    

81,508    
—    
—    

Mine Site   

Exploration 
and Evaluation   

—    
—    
(4,206 )   
(4,206 )   

—    
(1,067 )   
(65,999 )   
—    
—    
—    
(71,272 )   
(15,340 )   
(86,612 )   

—    
—    
—    
—    

—    
—    
—    
—    
—    
(201 )   
(201 )   
—    
(201 )   

315,861    
(289,735 )   
172,360    

72,137    
—    
—    

—    
—    
(40 )   
(40 )   

(1,808 )   
(10,648 )   
—    
(16 )   
—    
—    
(12,512 )   
(24,110 )   
(36,622 )   

16,582    
(65,313 )   
321    

655,129  
(351,946 ) 
(14,551 ) 
288,632  

(1,808 ) 
(14,039 ) 
(4,497 ) 
(12,226 ) 
7,559  
—  
263,621  
(116,022 ) 
147,599  

672,017  
(456,295 ) 
224,123  

Corporate   

Total 

—    
—    
(38 )   
(38 )   

(3,179 )   
(9,560 )   
—    
—    
—    
—    
(12,777 )   
(7,741 )   
(20,518 )   

13,718    
(57,533 )   
359    

—  
—  
(4,244 ) 
(4,244 ) 

(3,179 ) 
(10,627 ) 
(65,999 ) 
—  
—  
(201 ) 
(84,250 ) 
(23,081 ) 
(107,331 ) 

401,716  
(347,268 ) 
172,719  

114 | P a g e  

 
 
 
 
 
 
 
   
   
   
   
 
 
 
 
 
   
   
   
   
 
 
 
 
 
 
 
 
 
 
   
   
   
   
 
 
 
 
 
 
   
   
   
   
 
 
 
 
 
   
   
   
   
 
 
 
 
 
 
 
 
 
 
   
   
   
   
 
 
 
 
Champion Iron Limited 
Notes to the Consolidated Financial Statements 

(Expressed in thousands of Canadian dollars, except where otherwise indicated) 

36. Subsequent Events 

Capital restructuring 

The  Company  also  announced  on  May  29,  2019,  that  it  has  entered  into  an  agreement  with  Caisse  de  dépôt  et  placement  du  Québec  for  a 
preferred share offering for proceeds of $185 million (the "Investment") plus a commitment for a fully underwritten US$200 million credit facility 
(the "New Credit Facility") with The Bank of Nova Scotia (“Scotiabank”) and Societe Generale (“SocGen”). Proceeds from the Investment and the 
New Credit Facility will be used to fund current and future strategic initiatives and repay Champion’s existing debt.  

The dividend rate associated with the preferred shares will be based on the gross realized iron price and will fluctuate from 9.25% when the gross  
realized iron price for Bloom Lake 66.2% iron ore is greater than US$85/dmt to 13.25% should the gross realized iron ore price decrease below 
US$65/dmt. The New Credit Facility will be available by way of a US$180 million senior secured fully amortizing non-revolving credit facility (the 
“Term Facility”) in addition to a US$20 million senior secured revolving credit facility (the “Revolving Facility”). The New Credit Facility will bear 
interest between LIBOR plus 2.85% if the net debt to EBITDA ratio is lower or equal to 1.00x to LIBOR plus 3.75% if the net debt to EBITDA ratio is 
greater than 2.50x. The Term Facility will mature five years from the closing date while the Revolving Facility will mature three years from the 
closing date. The Term Facility shall be repaid in equal quarterly installments of principal and accrued interest starting on the second full year 
following the closing date and is not subject to prepayment penalties. 

Acquisition of Ressources Quebec equity interest  

On May 29, 2019, the Company announced a transaction o acquire RQ’s 36.8% equity interest in QIO, operator of the Bloom Lake Mining Complex, 
for a total cash consideration of C$211 million (the “Transaction”). The Transaction would increase Champion’s stake in QIO to 100%. As a result 
of this transaction, the entire net income of QIO will be allocated to Champion shareholders and there will no longer be non-controlling interests. 

BLoom Lake Phase II Feasibility Study Highlights 

The  company  announced  on  June  20,  2019  positive  results  of  the  Phase  II  Feasibility  Study  (“Feasibility  Study”  or  “Study”)  prepared  in 
accordance with Canadian and Australian regulations for the Bloom Lake Mining Complex (“Bloom Lake”), located near the town of Fermont, in 
north-eastern Quebec. The Feasibility Study envisions further exploiting the Bloom Lake Mine which would increase overall capacity from 7.4Mtpa 
to 15Mtpa of 66.2% Fe iron ore concentrate. 

For more information on the subsequent events, please refer to the Company’s press release available under the Company’s filings on SEDAR at 
www.sedar.com. 

37. Comparative Figures 

Certain of the prior year's comparative figures have been reclassified to conform to the current year's presentation. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Stock Exchange Information 

STOCK EXCHANGE INFORMATION 

The additional information set out below relates to shares and options as at 7 June 2019 

DISTRIBUTION OF EQUITY SECURITY HOLDERS 

Size of Holding 
1 to 1,000 
1,001 to 5,000 
5,001 to 10,000 
10,001 to 100,000 
100,000 and over 

59 shareholders held less than a marketable parcel of ordinary shares at June 7, 2019. 

ORDINARY SHARES 

SUBSTANTIAL SHAREHOLDERS 

Name of shareholder 

WC Strategic Opportunity LP 
Ressources Quebec Inc. 
Michael O'Keeffe (and associates) 

VOTING RIGHTS 

All ordinary shares issued by the Company carry one vote per share without restriction. 

TWENTY LARGEST SHAREHOLDERS 

Name of shareholder 

WC Strategic Opportunity LP 
Ressources Quebec Inc 
Prospect AG Trading PL 
JP Morgan Nom Aust PL 
HSBC Custody Nominee Aust Ltd 
Metech Super PL 
Zero Nom PL 
GAB Super Fund PL (GAB Super Fund A/C) 
Citicorp Nom PL 
Marc Dorion 
Michael O'Keeffe 
Eastbourne DP PL 
Gavin John Argyle 
MD Financial Management Inc (as of May 31, 2019)  
GAB Super Fund PL 
Vision PL 
UBS Nom 
Rowe Angela Maree 
Fareast Enterprises PL 
BNP Paribas Nom PL 

1 
2 
3 
4 
5 
6 
7 
8 
9 
10 
11 
12 
13 
14 
15 
16 
17 
18 
19 
20 

SCHEDULE OF TENEMENTS 

Number of 
ordinary shares 
111,459 
1,090,469 
1,150,330 
10,467,111 
420,172,253 
432,991,622 

% of issued 
capital 
15.46% 
8.66% 
8.64% 

% of issued 
capital 
15.46% 
8.66% 
6.88% 
2.45% 
1.83% 
1.77% 
1.36% 
1.18% 
1.12% 
0.99% 
0.87% 
0.81% 
0.77% 
0.63% 
0.56% 
0.39% 
0.31% 
0.30% 
0.30% 
0.25% 

116 | P a g e  

Number of 
ordinary shares 
66,944,444 
37,500,000 
37,428,830 

Number of 
ordinary shares 
66,944,444 
37,500,000 
29,776,930 
10,608,319 
7,927,153 
7,680,000 
5,895,337 
5,092,696 
4,839,684 
4,273,286 
3,751,900 
3,500,000 
3,342,364 
2,723,900 
2,443,334 
1,707,165 
1,342,203 
1,317,000 
1,283,668 
1,079,464 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Schedule of Tenements 

The Company’s wholly owned subsidiary, Champion Iron Mines Limited, owns a 100% interest in the following properties: 

Property-Québec 
Consolidated Fire Lake North 
Harvey-Tuttle 
Moire Lake 
O'Keefe-Purdy 
Jeannine Lake (Note 1) 
Round Lake (Notes 1 and 2) 
Peppler 
Lamelee 

Hobdad 

Property-Newfoundland 
Powderhorn 

Gullbridge 

SNRC 
23B06; 23B11; 23B12 
23B12; 23B05 
23B14 
23B11; 23B12 
22N16 
23B04; 23C01; 23N16 
23B05 
23B05; 23B06; 23B11; 
23B12 
23B05; 23B06 

Licences 
11346M, 

11367M,
15136M, 

15137M, 18969M, 19227M 
11956M, 

11960M,
16260M, 

16261M 

Claims 
569 
191 
36 
203 
21 
178 
118 
236 

93 

185 

67 

Hectares 
28,774.11 
10,010.36 
1,665.55 
10,623.15 
1,117.40 
9,420.31 
6,207.75 
12,374.67 

4,893.74 

4,625.00 

1,675.00 

Note 1. Currently under option to Cartier Iron Corporation (55%) and CIA (45%). 

Note 2. Round Lake includes Aubrey-Ernie, Black Dan, Penguin Lake and Round Lake claims. 

The Company’s 63.2% owned subsidiary, Québec Iron Ore Inc., owns a 100% interest in the following properties: 

Property-Québec 
Bloom Lake Mining Lease 
Bloom Lake claims 

SNRC 
23B14 
23B14 

Claims 
1 
69 

Hectares 
6,857.63 
3,224.20 

117 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Mineral Resource and Ore Reserves Statement 

MINERAL RESOURCE AND ORE RESERVES STATEMENT 

Fermont Iron Ore District 

The Company owns interest in 14 iron ore deposits located in the Fermont Iron Ore District of northeastern Québec, some 300 km north of the 
City of Sept-Ȋles and ranging from 6 to 80 kilometers west and southwest of Fermont.  Table 1 lists the various projects with their status, 
surface  area,  NSR  and  other  such  information.  The  14  deposits  may  be  grouped  into  larger  “clusters”.  All  claims  and  leases  are  in  good 
standing. 

Table 1: June 2019 Champion Iron properties in the Fermont Iron Ore District 

Cluster / Project 

Deposit 

Nb 
claims 

Area 
 (km sq.) 

Champion  
interest 

Co-owner 

NSR 

Bloom Lake Mine 

70* 

100.8* 

63.2% 

Ressources  
Québec 

Consolidated  Fire 
Lake North 

Fire Lake North 

Don Lake 

Bellechasse 

Oil Can 

569 

287.7 

100% 

Moiré Lake 

36 

16.7 

100% 

Peppler Lake 

Quinto Claims 

Lamêlée Lake 

435 

228.4 

100% 

Hobdad Hill 

Harvey-Tuttle 

191 

100.1 

100% 

O’Keefe-Purdy 

203 

106.2 

100% 

Penguin Lake 

Cluster 3 

Lac Jeannine 

158 

175.2 

45% 

Cartier 
Iron 
Corporation 

Black Dan 

* Includes a 68.7 sq. km mining lease 

1.5% 

1.5% 

1.5% 

1.5% 

1.5% 

118 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Mineral Resource and Ore Reserves Statement 

Bloom Lake Mine 

The JORC and Canadian NI 43-101 compliant Measured and Indicated resources as of March 31, 2019 adds to a total of 883 Mt while there is an 
additional 80 Mt of Inferred resources. The Bloom Lake Mine holds 384 Mt of ore reserves at 30.0% Fe and a dilution factor of 4.3%. 

•   Total proven and probable mineral reserves at the Bloom Lake Mine stood at 383.5 million tonnes averaging 29.9% Fe. 

•   Measured and indicated mineral resources totals 883.4 million tonnes averaging 29.7% Fe for estimated iron ore concentrate of 321.2 Mt   

averaging 66.2% Fe 

•  

Inferred resources amounted to 80.4 million tonnes averaging 25.6% Fe 

All mineral resources reported are inclusive of mineral reserves. Mineral reserves and resources reported at Bloom Lake were estimated using 
an iron ore price of US$50/dmt and US$60/dmt, respectively. The slight decrease in reserves is due to depletion as Champion mined 22,445 dmt 
of iron ore since the start of its operations in February 2018. 

Category 
Measured 
Indicated 
M+I Total 

Inferred 

Category 
Proven 
Probable 
Total 

March 31, 2019 Bloom Lake Mineral Resources Estimate (at 15% Fe Cut-off) 

  Tonnage (dmt) Mt   
401.8 
471.6 
883.4 

     80.4 

Fe (%) 
31.0 
28.5 
29.7 

25.6 

CaO (%) 
0.6 
2.5 
1.6 

MgO (%) 
0.7 
2.3 
1.5 

AI2O3 (%) 
0.3 
0.4 
0.4 

1.9 

1.7 

0.3 

March 31, 2019 Bloom Lake Mineral Reserves Estimate (at 15% Fe Cut-off) 

  Tonnage (dmt)Mt 
236.3 
   47.3 
   383.5 

Fe (%) 
30.7 
28.7 
29.9 

CaO (%) 
0.5 
2.8 
1.4 

MgO (%) 
0.6 
2.7 
1.4 

AI2O3 (%) 
0.3 
0.4 
0.4 

In addition to the Bloom Lake Mine, the Company owns interest in 13 other iron ore deposits located in the Labrador Trough, some 300 km north 
of the City of Sept-Îles and ranging from 6 to 80 kilometers west and southwest of Fermont. All claims and leases are in good standing. No work 
was done during the fiscal year ended to update the Resources estimate published during the period 2011 to 2014.   

119 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
   
   
   
 
 
 
 
 
 
   
   
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Mineral Resource and Ore Reserves Statement 

Consolidated Fire Lake North 

The Consolidated Fire Lake North (CFLN) project includes four deposits, the Fire Lake North, Don Lake, Bellechasse and Oil Can deposits.  All 
deposits are located north of ArcelorMittal’s Fire  Lake mine.  No work was  done on the  CFLN  asset following the 2014 drilling and Joint  Ore 
Reserves Committee (JORC) Resources and Reserves Statement of October 27th 2014 for the Fire Lake North (FLN) deposit.  The JORC compliant 
resources of over 1.2 Bt have been estimated for FLN (table 4) while the reserves are estimated at 464 Mt (table 5). 

Table 4: October 2014 Fire Lake North Mineral Resource Estimate at Cut-off 15% Fe 

Category 

Measured 

Indicated 

M+I Total 

Inferred 

Dry Tonnage 
(Mt) 

40.3 

715.0 

755.3 

461.0 

Fe (%) 

SiO2 (%) 

Al2O3 (%) 

P (%) 

34.2 

31.4 

31.6 

31.8 

48.3 

51.4 

51.2 

49.6 

1.28 

1.56 

1.55 

2.22 

0.015 

0.020 

0.019 

0.032 

Table 5: 2013 Fire Lake North Ore Reserves Estimate at Cut-off 15% Fe*** 

Category 

Proven 

Probable 

Total 

Dry Tonnage (Mt) 

Fe (%) 

CaO (%) 

Weight Recovery (%) 

23.7 

440.9 

464.6 

36.0 

32.2 

32.4 

0.5 

2.8 

1.3 

45.0 

39.6 

39.9 

*** Estimate from the 2013 prefeasibility study.  New ore reserves estimation following the new resources calculation was not made. 

Resources estimates (NI 43-101 compliant) were done for the Oil Can and Bellechasse deposits, both part of the CFLN property.  The estimates 
include only inferred resources (table 6).  No NI 43-101 resources estimate is available for the Don Lake deposit. 

Table 6: Inferred Resources for other CFLN deposits at Cut-off 15% Fe 

Deposit 

Bellechasse 

Oil Can (oxides) 

Oil Can (mixed)**** 

NI 43-101 release 

Dry Tonnage (Mt) 

Fe (%) 

2009 

2012 

2012 

215.1 

972 

924 

28.7 

33.2 

24.1 

**** Mix of iron oxides and iron silicates 

120 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Mineral Resource and Ore Reserves Statement 

Moiré Lake 

Moiré Lake is a stand-alone deposit located approximately 6 km west from the city of Fermont.  It is the far extension of ArcelorMittal’s Mont-
Wright Mine.  While ArcelorMittal’s ore is hematite-rich, the Moiré Lake deposit is a mix of hematite and magnetite.  A NI 43-101 resources estimate 
published in 2012 has total resources of 581 Mt with a grade of 29.7% Fe (table 7).   

Table 7: 2012 Moiré Lake Resources Estimate at Cut-off 15% Fe 

Category 

Measured 

Indicated 

M+I total 

Inferred 

Total M+I+I 

Quinto Claims Property 

Dry Tonnage (Mt) 

Fe (%) 

- 

163.9 

163.9 

416.7 

580.6 

- 

30.5 

30.5 

29.4 

29.7 

The Quinto Claims were acquired in the Bloom Lake transaction.  The holding originally had 447 claims, but 12 claims were let go.  Now the 
property is composed of 435 claims and holds several iron ore deposits and occurrences. The property is adjacent to the CFLN project.   All the 
deposits have more magnetite than hematite.  They also have small amount of iron silicates.   

There are no NI 43-101 compliant resources estimates for the Quinto claims.   

The  Quinto  Claims  include  Hobdad  Hill  which  was  partially  drilled  in  2012.    The  deposits  hold  oxide  iron  formation,  but  resources  were  not 
estimated.  Other occurrences, Faber and Lac Jean, were drilled in 2007 but results indicate a silicates-dominated iron formation and therefore 
no further work was done. 

Harvey-Tuttle 

The Harvey-Tuttle property is located northwest of the Quinto Claims.  It holds several small deposits, although one of them, Turtleback Mountain, 
holds significant resources.  The project was drilled in 2010 and a NI 43-101 resources estimate was published in 2011.  As a whole, the Harvey-
Tuttle property has 947 Mt of inferred resources at 23.2% FeT.  

O’Keefe-Purdy 

There are no NI 43-101 compliant resources estimates for the O’Keefe-Purdy deposits.   

Cluster 3 

A series of 158 claims located near the closed Lac Jeannine Mine, identified as Cluster 3 was optioned to Cartier Iron Corporation.  With completion 
of work and financial requirements, Champion Iron Mines Limited still hold 45% of the property.  The main asset in Cluster 3 is the Penguin Lake 
deposits.  A 2014 NI 43-101 reports 534.8 Mt of inferred resources at 33.1% Fe with a cut-off at 15%Fe.  Cluster 3 also holds a series of small 
deposits near Round Lake (NW of Penguin).  Finally, tailings for the Lac Jeannine have been considered as a source of iron ore as they are fairly 
coarse and have an average grade of 13% Fe.  However, no tonnage has been evaluated. 

121 | P a g e  

 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Mineral Resource and Ore Reserves Statement 

Powderhorn / Gullbridge 

Besides its iron ore assets in Québec, Champion Iron Mines Limited also owns 100% right to 7 exploration licenses (63 km sq.) in the vicinity of 
the  closed  Gullbridge  mine  in  North  central  Newfoundland  (NTS  map  sheet  12H01).    It  is  located  approximately  25  km  south  of  the  town  of 
Springdale.  The licenses are in good standing and exploration drilling was done in 2017 and early 2018. 

The Powderhorn/Gullbridge project targets base metal deposits (Cu-Zn) as either extension of the Gullbridge copper mine or other zones related 
to the same mineralization system.  Several Cu or Zn showings are spread out on the licenses and geophysical survey suggest several targets at 
200 metres depth.  Although several 2018 drill holes have intersected Zn-Ag-Cu mineralized zones (best assay has 16.4% Zn over 80cm), no 
mineral resources or ore reserves estimate are available as the project enters its third phase of exploration.  More drilling is expected in the 
second half of 2018 and will target the area up-dip of the 2017-2018 discovery. 

The Powderhorn/Gullbridge property has a 2.85% NSR to the previous owner (Copper Hill Resources and 3 individuals). 

122 | P a g e  

 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Governance Statement 

GOVERNANCE STATEMENT 

Champion  supports  the  intent  of  the  ASX  Corporate  Governance  Council  Principles  and  Recommendations  3rd  Edition  (Principles  and 
Recommendations) and meets the specific requirements of the Principles and Recommendations, unless otherwise disclosed. 

A full copy of the Corporate Governance Statement is available on the Company's website at www.championiron.com.  

123 | P a g e  

 
 
 
 
 
 
 
 
 
 
 
 
 
Champion Iron Limited 
Company Directory 

DIRECTORS 

COMPANY 
SECRETARIES 

REGISTERED 
& PRINCIPAL 
OFFICE 

AUDITORS 

SHARE REGISTRIES 

COMPANY DIRECTORY 

Michael O’Keeffe (Executive Chairman) – Independent 
Gary Lawler (Non-Executive Director) – Independent 
Andrew Love (Non-Executive Director) – Independent 
Michelle Cormier (Non-Executive Director) – Independent 
Wayne Wouters (Non-Executive Director) – Independent 
Jyothish George (Non-Executive Director) – Independent 
David Cataford (Executive Director and Chief Executive Officer) – Non-independent 

Jorge Estepa and Pradip Devalia 

Level 1, 91 Evans Street 
Rozelle NSW 2039 
Telephone: 
Facsimile: 
Website: 
ACN 119 770 142 

+61 2 9810 7816 
+61 2 8065 5017 
http://www.championiron.com 

Ernst & Young 
200 George Street 
Sydney 2000 NSW 

Security Transfer Registrars Pty Ltd 
Suite 1, Alexandria House 
770 Canning Highway 
Applecross WA 6153 
Telephone: 
Facsimile: 

+61 8 9315 2333 
+61 8 9315 2233 

TSX Trust Company 
200 University Avenue, Suite 300 
Toronto, ON, Canada M5H 4H1 
Telephone: 
Facsimile: 

(416) 361-0930 
(416) 361-0470 

STOCK EXCHANGES 

The Company’s shares are listed on the Australian Stock Exchange (ASX) and Toronto Stock 
Exchange (TSX) 

ASX CODE AND 
TSX SYMBOL 

CIA (Fully Paid Ordinary Shares) 

124 | P a g e