Cloud DX
Annual Report 2023

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Plain-text annual report

CARDIEX LIMITED AND CONTROLLED ENTITIES ABN 81 113 252 234 ANNUAL FINANCIAL REPORT FOR THE YEAR ENDED 30 JUNE 2023 TABLE OF CONTENTS Corporate Directory Chairman’s Letter CEO’s Report and Overview of Operations Directors’ Report Remuneration Report Auditor’s Independence Declaration Consolidated Statement of Profit or Loss and Other Comprehensive Income Consolidated Statement of Financial Position Consolidated Statement of Changes in Equity Consolidated Statement of Cash Flows Notes to the Consolidated Financial Statements Directors’ Declaration Independent Auditor’s Report Additional Shareholder Information 2 3 5 7 14 19 20 21 22 23 24 57 58 62 CardieX Limited 1 CORPORATE DIRECTORY DIRECTORS Mr. Niall Cairns Mr. Craig Cooper Mr. King Nelson COMPANY SECRETARY Ms. Louisa Ho REGISTERED OFFICE AND PRINCIPAL PLACE OF BUSINESS Suite 301, Level 3 55 Lime Street Sydney NSW 2000 Telephone: (02) 9874 8761 Email: info@CardieX.com Website: www.CardieX.com SHARE REGISTRY Automic Pty Ltd Level 5/126 Phillip St Sydney NSW 2000 Telephone: (02) 9698 5414 Website: www.automicgroup.com.au AUDITOR BDO Audit Pty Ltd Level 11, 1 Margaret Street Sydney NSW 2000 Telephone: (02) 9251 4100 Facsimile: (02) 9240 9821 Website: www.bdo.com.au CORPORATE ACCOUNTANT Traverse Accountants 24-26 Kent Street Millers Point NSW 2000 Website: www.traverseaccountants.com.au STOCK EXCHANGE LISTING CardieX Limited’s shares are listed on the Australian Securities Exchange (ASX code: CDX). CardieX Limited 2 CHAIRMAN’S REPORT My Fellow Shareholders, On behalf of the Board of CardieX Limited, I am pleased to present the Company’s Annual Report for the 2023 Financial Year (FY23). FY23 was an eventful year marked by revenue growth and a number of achievements and developments in both our CONNEQT and ATCOR divisions. A standout achievement in FY23 was receiving our first FDA clearance in more than 10 years for the CONNEQT Pulse (the “Pulse”) vascular biometric monitor. The Pulse is the 5th generation FDA cleared device for our patented and market leading SphygmoCor® vascular biomarker technology. The upcoming commercial release of the Pulse is the first step in our mission to create and own a significant new global health category in “vascular health” by providing a unique suite of vascular biomarkers and digital health insights which are not available from traditional blood pressure devices. Unlike our existing devices, the Pulse will target new clinical and consumer applications in very significant global health markets such as home health monitoring, remote patient monitoring, and decentralised clinical trials. The ATCOR division continued to make very good progress during FY23 and revenues grew by 13%, with the establishment of several new partnerships designed to enhance our clinical trial capabilities. The highlight was the commencement of the Clinichain clinical trial, which has delivered significant revenue in FY23 (and unearned revenue as at year end that will be earned in the current year). However, as previously announced this clinical trial has now ended and legal processes are now underway to collect A$6.4m in outstanding contractual payments. The current clinical trial and research pipeline for the Company continues to grow and we see this business segment delivering strong revenue growth moving forward as we add the Pulse to our existing product suite. Overall there was a significant increase in costs not associated with the ATCOR existing product line, as the group invested in scaling up and resourcing the product launch for the new Pulse device which had a notable achievement of receiving FDA clearance in April 2023. These costs largely included staffing increases, regulatory, product development, production readiness, inventory, and software development costs associated with the CONNEQT digital ecosystem. In anticipation of the company’s go to market strategy for Pulse the Company also invested in marketing initiatives throughout the year to educate the various healthcare players and build market awareness and ensure a successful launch campaign. During the June quarter it was decided to streamline operations, combining the ATCOR and CONNEQT business divisions under one leadership team. This has enabled us to rationalise some operational costs, gain greater management clarity of the go-to-market strategy and channels, and going forward will enable us to scale more effectively. In parallel to these operational achievements a primary focus of the Board and senior executive management team during the year was directed to a NASDAQ dual listing. This meant that we expended significant resources and expenses in relation to the planned listing throughout the financial year and subsequent, which led to a public filing of the Company’s initial F-1 registration document with the SEC on 26 July 2023. The Group was proceeding and dedicating a material proportion of its resources to the completion of a US based capital raising and finalising the registration statement with the SEC and making application to the NASDAQ as a foreign issuer. This was the core focus of the Board and senior executive team right through the reporting period and subsequent to late September 2023, which included the EGM and relevant approvals obtained on 28 August 2023 to allow the Company to progress with the IPO of CDX ordinary shares which would trade as American Depository Shares (ADSs) on the Nasdaq capital market. Unfortunately in late September, having cleared all SEC comments and being approved by Nasdaq subject to completing the IPO raising, we withdrew the US F-1 prospectus and Nasdaq listing due to capital market conditions in the US. Although we believe the strategy was and continues to be right, the timing was not, however the exposure of the Company to the rigor of the process and in meeting with US investors and global capital markets throughout the investor roadshow has delivered many learnings and they are being used to focus us on building our ASX base and delivering tangible valuation milestones. On 26 September the Company applied for a trading halt and subsequently applied for a voluntary suspension in the trading of its securities following the announcement of its withdrawal of its US F-1 registration statement which was a prudent measure taken by the Board to minimise potential disruption and allow the Company the sufficient time to consider alternative funding structures. CardieX Limited 3 CHAIRMAN’S REPORT Whilst this has delayed the finalisation and normal timing of the issuance of this Annual Report, we are pleased with the progress made in the small space of time to its issuance today, which has led to material progress in establishing an alternative capital raising package that will provide ample capital support to the Company and at the same time allow a level of existing shareholder participation which is inclusive and was not otherwise available to shareholders in the previous US capital raising process. To underpin this and ensure that we are properly capitalised we are progressing with raising the capital required to execute against our strategic and product vision, and at the same time, achieving profitability. This funding will include a significant commitment from C2 Ventures, the investment vehicle of myself and Craig Cooper, and CardieX’s largest shareholder. Looking ahead, we remain focused on the successful launch of the Pulse, FDA-clearance for the CONNEQT Band, and expanding our reach in the growing clinical trial and research market. Finally, I would like to thank my fellow Board members throughout the year, who have supported and worked with the Company in what has been a developmental year for CardieX, and in particular would like to thank our non-executive director, King Nelson for his ongoing counsel. Importantly I’d also like to thank the entire CardieX team for their efforts, and our loyal shareholders for their support - especially over the last six challenging months. We are excited about the future and are looking forward to updating you on our progress throughout the upcoming year. My best regards, Niall Cairns Executive Chairman CardieX Limited CardieX Limited 4 CHIEF EXECUTIVE OFFICERS REPORT & OVERVIEW OF OPERATIONS As noted in the Chairman’s Letter, we continue to make progress on multiple fronts across all of our business units while continuing to execute against our strategic plan. Our mission is to create a new standard of care for cardiovascular disease based on our market leading vascular biomarker technology. To this end, we continued to make significant progress and achieve a number of important milestones across both the ATCOR and CONNEQT divisions in FY23 which has the group well positioned for strong growth in FY24 and beyond. In April 2023 we received FDA clearance for the CONNEQT Pulse. Upon market launch in early H1 CY24, the Pulse will be a world-first multi-use vascular biometric monitor that provides measurements of both brachial and central blood pressures, along with multiple other unique vascular biomarkers. Importantly, outputs generated from the Pulse will enable clinicians and consumers to gain a more comprehensive and precise insight into overall cardiovascular health and other vascular diseases such as Alzheimer’s and kidney disease. Unlike CardieX’s existing suite of products, the Pulse is a “stand-alone” medical device in a form factor that is easy to use and operate without requiring specialist training. Pulse is targeted at significant new markets not currently served by the Company’s existing product lines. Throughout FY23, significant resources and efforts have been applied towards marketing the Pulse to our key new market segments of home health, remote patient monitoring and decentralised clinical trials, and educating these cohorts on the benefits of the Pulse and our vascular biomarkers. Since receiving FDA clearance, we have also initiated the process to mass manufacture the Pulse and are continuing to actively showcase the device at tradeshows and conferences around the United States in advance of the launch. Our strategy is to build a strong pre-launch sales channel and order book as well as to establish key industry partnerships to support our product launch activities. During the year, there has also been continued development of the CONNEQT app, CONNEQT Patient Management Portal, and related software platforms that will support the Pulse. Development of the CONNEQT Band (the “Band”) also continued during FY23, but towards the end of the period, the Company prioritised its immediate resources towards activities related to the launch of the Pulse. Upon launch in H2 CY24, the Band will be the first-to-market smart wearable to feature a full suite of patented health and wellness features focused on heart and vascular health based on the Company’s patented SphygmoCor® technology. During the year, the Company also made a strategic decision to acquire the core assets of wearable sensor start-up, Blumio, Inc (Blumio), a Silicon Valley based developer of advanced algorithms and technology for cardiovascular sensors. Blumio’s technology has the potential to significantly increase the clinical performance for CardieX’s ecosystem of heart health monitoring solutions. As part of the acquisition, the Company was pleased to appoint Blumio co-founder, Catherine Liao, as Chief Strategy Officer. Under the Asset Purchase Agreement, it was agreed that full consideration for the acquisition was to be paid by way of CardieX ordinary shares. Throughout the year, the Company also engaged in targeted promotion of the CONNEQT suite of devices to drive awareness with key industry players ahead of impending market launches. The Company participated in one of the world’s largest technology events, the Consumer Electronics Show (CES) held annually in Las Vegas. We used this premier event to unveil the Pulse with resounding success. Pulse was selected as a ‘CES 2023 Innovation Award Honoree’ by an elite panel of industry expert judges. CardieX Limited 5 CHIEF EXECUTIVE OFFICERS REPORT & OVERVIEW OF OPERATIONS During the period, the Company also participated in the National Institutes of Health (NIH) RADx Tech for Maternal Health Challenge in the United States. The Company completed the Viability Assessment Phase and the Deep Dive Assessment Phase. To date, CardieX has been awarded USD$415,000 from NIH during the Challenge and should it be successful in all phases of the challenge, it stands to receive up to USD$940,000 in total prize money. Our focus is firmly on commercialisation of our new product lines, expansion of our high margin clinical trials business, and successful launch into key new market channels. As referenced in the Chairman’s Letter, we are currently curating a capital raise driven towards supporting our corporate goals and ensuring we have enough capital to take us through to profitability. Further details will be announced shortly. Looking ahead into the upcoming year expect to see: • multiple new product launches, partnerships, and sales opportunities; • • • • • • • • • • the launch of brand, education, and demand generation campaigns for CONNEQT products; expanded channel & customer marketing for ATCOR’s clinical trial services; the commercial launch of the Pulse; additional FDA-clearances for the Pulse for targeted therapeutic areas (e.g. maternal health); strong revenue growth from our Clinical Trial Solutions group; new clinical trial contracts and expansion of existing trials; launch of multiple new studies for ongoing research and therapeutic validation of our biomarkers; continuing new product development (Pulse V.2, Band V.2, and other connected devices); anticipated FDA clearance and launch for the CONNEQT Band; and accelerated revenue contributions from new product releases (SaaS, app subscription, lease, direct sale). I acknowledge that it has been a difficult year in the capital markets but we remain steadfast and know that the opportunity we have in front of us is significant. As always, thank you for your ongoing support. Craig Cooper Chief Executive Officer CardieX Limited 6 DIRECTOR’S REPORT The Directors of CardieX Limited (the “Company”) submit the financial report of the Company for the year ended 30 June 2023, which comprises the results of CardieX Limited and the entities it controlled during the period (the “Group”). Review of Operations The loss for the Group after income tax amounted to $18,886,936 (30 June 2022 $11,809,634). The Group generated total revenue and other income of $6,016,168, up 10% from $5,466,917 in the previous year. Please refer to the operational update on page 5 for further information. Principal Activities During the year the principal continuing activities of the Group consisted of designing, manufacturing and marketing medical devices for use in cardiovascular health management. Going Concern The financial statements have been prepared on the going concern basis, which contemplates continuity of normal business activities and the realisation of assets and the discharge of liabilities in the normal course of business. As disclosed in the financial statements, the Group incurred a loss after tax of $18,886,936 (2022: $11,809,634), had a net liability position of $748,405 (2022 net asset position: $6,611,313) and had net cash outflows from operating activities of $11,996,350 for the year ended 30 June 2023 (2022: $9,150,712). Further, following the withdrawal of the registration statement for a US IPO the Board, with the support of the Company’s senior executive team and advisors, have been focused on alternative solutions to its capital raising to support its corporate strategy and which will provide enough funding and capital runway to allow the Company to both progress its new product launch initiative and execution of its overall business plan. As a result of these matters, there is a material uncertainty related to events or conditions that may cast significant doubt on whether the Group will continue as a going concern and, therefore, the Group may be unable to realise its assets and discharge its liabilities and commitments in the normal course of business and at the amount stated in the financial report. The Directors of the opinion that there are reasonable grounds that the Group will be able to continue as a going concern, after consideration of the following factors: • CardieX is currently underway with multiple funding initiatives for raising capital, including a placement of approximately A$5m, expected to be completed in November 2023, followed by a A$3m rights issue expected to be completed in December 2023. • C2 Ventures Pty Ltd, a Company jointly owned by Directors Mr Niall Cairns and Mr Craig Cooper, has entered into a funding agreement with CardieX to provide total capital of A$7,500,000, including a A$1.5m facility limit to be received during the December 2023 quarter, followed by a further A$6m facility limit to be provided during the 2024 calendar year. The ATCOR division reported strong sales growth for the September 2023 quarter, recorded unaudited revenue of A$1.36m, which was up 143% on the prior corresponding period. This is primarily due to strong sales performance in the US research market, due to expansion of the Group’s sales lead generation activities and data-driven targeting of new customer prospects. • • CardieX continues to conduct a strategic review of its operations to reduce operating costs and streamline operations and has taken measures to reduce cash outgoings for employee benefits, as well as restructuring a number of employees’ compensation plans with a structure weighted more towards shares than cash. • CardieX is currently enforcing its contractual rights with Clinichain in relation to the cancellation of a non-cancellable clinical trial and is currently in settlement discussion to recoup all contractual payments outstanding of ~A$6.4m. A prejudgment has been received in Dutch court, and draft settlement agreements are currently in negotiation. If the Directors are unsuccessful in achieving the above plan, or additional funds are required, alternative measures would be pursued which would include: • Raising additional funds via either equity or debt. The Group has a successful track record of being able to raise both equity and debt financing; and • Curtailing materially, if necessary, the Group’s ongoing operating costs. CardieX Limited 7 DIRECTOR’S REPORT The Directors are of the opinion that the Group will be successful in managing the above matters and accordingly, they have prepared the financial report on a going concern basis. At this time, the Directors are of the opinion that no asset is likely to be realised for an amount less than the amount at which it is recorded in the consolidated financial report as at 30 June 2023. Accordingly, no adjustments have been made to the financial report relating to the recoverability and classification of the asset carrying amounts or the amounts and classification of liabilities that might be necessary should the Group not continue as a going concern. Dividends No dividends were paid or declared by the Group since the end of the previous financial year and the Directors do not recommend dividends be paid for the year ended 30 June 2023. Significant Changes in the State of Affairs There were no significant changes in the state of affairs of the Group during the financial year. Likely Developments and Expected Results of Operations As a result of the withdrawal of the Form-F1 registration statement, CardieX has had to re-evaluate its capital strategy and its impact on the future operations of the Group. CardieX have undertaken several initiatives in order to streamline operations and reduce operating costs, including: • Financial functions are now wholly outsourced and ensuring no related increases if a near term CFO appointment were to be made. Integration of the CONNEQT and ATCOR Medical businesses into one streamlined operation business. • • Restructuring of a number of operating roles and resources to reduce employee benefits expenditure. • Review and implementation of a new sales team compensation plan with higher sales and performance quotas. • Reduction in outsourced product development expenditure. • A realignment of compensation packages for certain executive team members based on comparable market rates. • Review of sales and marketing costs for new product development and product launches. CardieX will continue to identify and implement further areas for potential cost reduction and efficiencies as it seeks to rationalise its path to market for the Pulse and other products over the coming year. Matters Subsequent to Year End Subsequent to the balance date the Group announced the following material events: • On 28 August 2023, CardieX held an Extraordinary General Meeting to approve multiple resolutions, including the following: (i) approval to issue a total of 3,000,000 Convertible and Converting Notes to investors, and a further 1,100,000 Convertible Notes to related parties. Each Note has a face value of A$1, with interest payable at 10% per annum payable quarterly in cash, and has a maturity date of 15 July 2025. 1,500,000 of the Notes require written approval from investors in order to obtain a conversion notice. (ii) approval to issue up to 3,750,000 Convertible Note Options to investors, and 2,200,200 Convertible Note Options to related parties. All Convertible Note Options are exercisable at A$0.45 and each expiring on 31 August 2026. (iii) approval to issue 138,000,000 new shares pursuant to a capital raising. • On 31 August 2023, CardieX announced that it had updated its Share Trading Policy. • On 12 September 2023, CardieX provided an update in relation to its Convertible Note Facility. 3,620,000 Notes, together with 4,990,000 Convertible Note Options had been issued to date, increasing the total amount raised to date of A$3.62m. • On 26 September 2023, CardieX announced that it its securities were placed into a voluntary trading halt, subject to the release of an announcement. • On 28 September 2023, it was announced that the securities of CardieX Limited were suspended from quotation immediately under Listing Rule 17.2, pending the release of an announcement regarding its capital raising and annual report for the year ended 30 June 2023. • On 28 September 2023, CardieX announced that it has withdrawn its registration statement of the Form F-1 registration statement (the “F1”) with the U.S. Securities and Exchange Commission (the “SEC”). At the time of withdrawal, CardieX had made multiple filings of the F1 and had cleared all comments from the SEC and Nasdaq. The withdrawal was required CardieX Limited 8 DIRECTOR’S REPORT due to CardieX’s lead book-running manager for the offering, Roth Capital Partners, LLC, notifying the Group that it was unable to execute the underwriting agreement required to make the registration effective with the SEC. • On 28 September 2023, it was announced that Mr Jarrod White had tendered his resignation as Executive Director of the Company, effective 26 September 2023. • On 4 October 2023, CardieX released a Corporate and Operating Update, including the following: (i) September quarter 2023 sales update. (ii) The award of a $325,000 cash prize from the US National Institutes of Health’s (NIH) Rapid Acceleration of Diagnostics (RADx®). (iii) details in relation to the cancelled clinical trial contract with Clinichain, noting CardieX was enforcing its contractual rights and is currently in settlement discussions to coup all contractual payments outstanding of ~A$6.4m. • On 19 October 2023, CardieX announced that Ms Lesa Musatto had tendered her resignation as Independent Non- Executive Director of the Company, effective 18 October 2023. • On 30 October 2023, CardieX announced its Annual General Meeting will be held at 9.30am AEDT on Thursday, 30 November 2023. • On 3 November 2023, CardieX entered into a funding agreement with, C2 Ventures Pty Ltd, a Company jointly owned by Directors Mr Niall Cairns and Mr Craig Cooper. The funding agreement provides that C2 Ventures will provide total capital of A$7,500,000, including a A$1.5m facility limit to be received during the December 2023 quarter, followed by a further A$6m facility limit to be provided during the 2024 calendar year. • On 7 November 2023, CardieX entered into a Promissory Note with Wilson Sonsini Goodrich & Rosati, Professional Corporation for a principal sum of US$1,500,000. This amount reflects the balance owing of US legal fees in relation to the US listing, post a credit received of US$731,950. The Promissory Note attracts an interest rate of 5.5% and is repayable on the earliest of: (i) 20 April 2025; (ii) the closing of debt financing or equity financing of CardieX after 1 January 2024, the gross proceeds of which equal or exceeds US$6,000,000; (iii) the closing of a change of control transaction; (iv) the Company becomes cash flow positive and is in a position to make payment of the outstanding invoices; (v) upon the occurrence of an event of default. • On 8 November 2023, CardieX entered into an agreement to extend the maturity date of its working capital facility with Mitchell Asset Management from 30 October 2023 to 31 October 2024, and also extend its R&D loan facility from 31 December 2023 to 31 March 2024. No other significant subsequent event has arisen that significantly affects the operations of the Group. Directors The following persons held office as Directors of CardieX Limited at any time during or since the end of the financial year: Mr. Niall Cairns – Executive Chairman and Director Mr. Craig Cooper – Executive Director, Chief Executive Director Mr. King Nelson – Non-Executive Director Mr. Jarrod White – Executive Director (resigned 26 September 2023) Ms. Lesa Musatto – Non-Executive Director (resigned 18 October 2023) Joint Company Secretaries Ms. Louisa Ho (appointed 30 June 2023) Mr. Jarrod White (ceased 30 June 2023) Mr. Nicholas Marshall (ceased 30 June 2023) CardieX Limited 9 DIRECTOR’S REPORT Chief Financial Officer Mr Jarrod White (ceased 4 January 2023) Mr Reid Yeoman (appointed 4 January 2023, resigned 30 June 2023) Mr. Jarrod White (appointed as Interim CFO 30 June 2023, resigned 26 September 2023) Information on Directors Mr. Niall Cairns Executive Chairman and Director Qualifications: Appointed: Experience and expertise: Other current directorships: Former directorships (last 3 years): Special responsibilities: Mr. Craig Cooper Executive Director, Chief Executive Officer Qualifications: Appointed: Experience and expertise: B.Ec, CA and FAICD 20 December 2017, appointed Chairman on 27 February 2019 Mr. Cairns is a Sydney based technology growth company director and investor with over 25 years of track record of value creation, restructuring, and exits in both listed and unlisted companies. As a founding partner of Nanyang Ventures, Kestrel Capital and C2 Ventures, Niall has managed significant institutional and private capital, whilst raising capital for and driving the global growth of over 50 companies in sectors as diverse as Agtech, Medtech, digital and SaaS based businesses. These have included Tru-Test Corporation, Intrapower, Gale Pacific (AVCAL Award winner) and Australian Helicopters. Niall is currently the Non- Executive Chairman of Tambla Limited and the St Andrews College Foundation. Consolidated Financial Holdings Limited, Kestrel Capital, Kestrel Growth Companies Limited, DTS Limited, Listing Logic Limited, Harri LLC, St Andrews College Foundation and Tambla Limited. Tru-Test Corporation Limited. • • • Chairman of the Board. Chairman of the audit and risk committee. Member of remuneration and nomination committee. B.Ec, LLB (Hons) 1 December 2017 Mr. Cooper was appointed as Chief Executive Officer effective 1 December 2017. Mr Cooper has founded multiple successful health, digital media, technology, and wellness businesses – and was also the co-founder of the telecommunications company Boost Mobile - one of the leading mobile phone businesses in the USA. He is recognised as a global expert and thought leader in mobile and wireless technology as well as digital health and med-tech-related businesses. His venture capital funds have raised over A$1 billion in capital and have funded some of the most significant global digital media technology companies including Buzzfeed and The Huffington Post. Other current directorships: Former directorships (last 3 years): Special responsibilities: None. None. None. CardieX Limited 10 DIRECTOR’S REPORT Mr. Jarrod White Executive Director and Interim Chief Financial Officer (Resigned 26 September 2023) Qualifications: Appointed: Resigned: Experience and expertise: B.Bus, CA, CTA 21 May 2020 26 September 2023 Mr. White is a Chartered Accountant and founding Director of Traverse Accountants Pty Ltd, a Corporate Advisory and Chartered Accounting Firm. In conjunction with his Corporate Advisory roles at Traverse Mr. White has been appointed Company Secretary and Chief Financial Officer of several other listed entities that operate on the Australian Stock Exchange and has a sound knowledge of corporate governance and compliance. Jarrod has also been an advisor to a wide range of capital raisings, IPO’s and reverse takeover transactions and has a focus on working with growing Companies in the exploration, technology and biotech space. Other current directorships: Former directorships (last 3 years): Special responsibilities: None. High Peak Royalties Limited (ASX.HPR) None. Mr. King Nelson Non-Executive Director Qualifications: Appointed: Experience and expertise: BA, MBA 13 November 2015 Mr. King was elected to the Board in November 2015. He brings more than 30 years of diverse experience and expertise with medical devices. He is a former President and CEO of Uptake Medical Corporation, a company focused on treatments for emphysema and lung cancer. Previously, he served as president and CEO of Kerberos Proximal Solutions, which was acquired by FoxHollow Technologies, and as president and CEO of VenPro, a heart valve business acquired by Medtronic. Both these companies specialised in devices for the cardiovascular system. Prior to that, he spent 19 years with Baxter International and American Hospital Supply Corporation in roles of increasing responsibility that included division president for Dade Diagnostics, Bentley Labs, and Baxter’s Perfusion Services. King is also currently CEO of Q’Apel Medical – a medical device company focused on Neurovascular disease Other current directorships: Former directorships (last 3 years): Special responsibilities: None. Uptake Medical Corporation • • Chairman of remuneration and nomination committee. Member of audit and risk committee. CardieX Limited 11 DIRECTOR’S REPORT Ms. Lesa Musatto Non-Executive Director (Resigned 18 October 2023) Appointed: Resigned: Experience and expertise: 26 April 2022 18 October 2023 Ms. Musatto serves as the Chief Marketing Officer at Auction Technology Group (LSE:ATG), after being in multiple executive and marketing strategy roles for companies ranging from large corporations to start-ups. Her ability to execute successful marketing campaigns has allowed her to take on roles in different industries – from consumer retail experience with Levi Strauss, Gap, Inc. and Safeway to health tech experience with Nuelle and more recently with ATG – a leading publicly listed exchange and marketplace technology platform. Other current directorships: Former directorships (last 3 years): Special responsibilities: None. None. None. Meetings of Directors The number of meetings of the Group’s Board of Directors and of each Board Committee held during the financial year ended 30 June 2023 and the number of meetings attended by each Director were: Director Niall Cairns Craig Cooper Jarrod White King Nelson Lesa Musatto Directors Meetings Held Whilst in Office Attended 4 4 4 4 4 4 4 4 4 4 Directors’ Interests Information on the Directors’ and their associates’ interests in shares and options of the Company at 30 June 2023 can be found in the Remuneration Report on page 14. Shares Issued on the Exercise of Options During the financial year ended 30 June 2023 no shares (2022: 80,238,638) were issued to Directors on the exercise of options, see the Remuneration Report for more detail. Environmental Regulations The Group’s operations are not regulated by any significant environmental regulation under a law of the Commonwealth or of a state or territory. Indemnity and Insurance of Directors and Officers During the financial year the Group paid premiums in respect of a contract insuring Directors and Executives against a liability incurred in the ordinary course of business. CardieX Limited 12 DIRECTOR’S 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. Corporate Governance Statement A copy of the Corporate Governance Statement has not been disclosed within the Annual Report but is available on the website http://www.CardieX.com in accordance with the ASX Listing Rule 4.10.3. Declaration by Directors Before it approved the Company’s 2023 financial statements, the Board was satisfied that the financial records have been properly maintained and that the financial statements comply with the appropriate accounting standards and give a true and fair view of the financial position and performance of the Group, and their opinion has been formed on the basis of a sound system of risk management and internal control which is operating effectively. Non-audit Services The Directors received the Auditor’s Independence Declaration under s.307 of the Corporations Act 2001, which is set out on page 19. The external auditor did not provide non-audit services to the Company during the year ended 30 June 2023. Indemnity and insurance of auditor The Company has not, during or since the end of the financial year, indemnified or agreed to indemnify the auditor of the Company or any related entity against a liability incurred by the auditor. During the financial year, the Company has not paid a premium in respect of a contract to insure the auditor of the Company or any related entity. Officers of the Company who are former partners of BDO There are no officers of the Company who are former partners of BDO. Auditor's independence declaration A copy of the auditor's independence declaration as required under section 307C of the Corporations Act 2001 is set out on page 19. CardieX Limited 13 REMUNERATION REPORT This report outlines the remuneration arrangements in place for Directors and executives of CardieX Limited. The information in this report has been audited as required by Sect 308 of the Corporations Act 2001. Principles used to determine the nature and amount of remuneration Non-executive directors Fees and payments to non-executive directors reflect the demands which are made on, and the responsibilities of, the directors. Non-executive directors’ fees and payments are reviewed annually by the Board. The Board also refers to external surveys to ensure non-executive directors’ fees and payments are appropriate and in line with the market. The Chairman’s fees are determined independently to the fees of non-executive directors based on comparative roles in the external market. The Chairman is not present at any discussions relating to determination of his own remuneration. Non-executive directors are entitled to receive share options, following approval by the shareholders of CardieX Limited. Non-executive directors’ fees are determined within an aggregate directors’ fee pool limit, which is periodically recommended for approval by shareholders. The pool was increased to $500,000 at the 2021 shareholder meeting, excluding share-based payments that are subject to separate shareholder approval. Executives The objective of the Group’s executive reward framework is to ensure reward for performance is competitive and appropriate for the results delivered. The framework aligns executive reward with achievement of strategic objectives and the creation of value for shareholders. The Board ensures that executive reward satisfies the following key criteria for good reward governance practices: • • • • • competitiveness and reasonableness; acceptability to shareholders; performance linkage / alignment of executive compensation; transparency; and capital management. Alignment to shareholders’ interests: • • • has Company growth as a core component of plan design; focuses on sustained long-term growth in shareholder wealth; and attracts and retains high caliber executives. Alignment to program participants’ interests: • • • • rewards capability and experience; reflects competitive reward for contribution to growth in Company value; provides a clear structure for earning rewards; and provides recognition for contribution. Details of the nature and amount of each element of the emoluments of each Director of CardieX Limited are set out below. Directors Names and positions held of key management personnel in office at any time during the financial year are: Mr. Niall Cairns Executive Director and Chairman Mr. Craig Cooper CEO and Executive Director Mr. King Nelson Non-executive Director Mr. Jarrod White Executive Director (resigned 26 September 2023) Ms. Lesa Musatto Non-executive Director (resigned 18 October 2023) CardieX Limited 14 REMUNERATION REPORT Key Management Personnel Compensation 2023 Niall Cairns Craig Cooper King Nelson Jarrod White Lesa Musatto Salary and directors fees Share Based Payment Benefits $ $ 300,000 772,175 74,247 92,800 - 706,996 706,996 41,405 259,310 36,212 Total $ 1,006,996 1,479,171 115,652 352,110 36,212 Total Compensation 1,239,222 1,750,919 2,990,141 2022 Niall Cairns Craig Cooper King Nelson Jarrod White Lesa Musatto (Appointed 26 April 2022)1 260,000 716,421 55,915 116,500 - 499,325 499,325 30,845 187,489 - 759,325 1,215,746 86,760 303,989 - Total Compensation 1,148,836 1,216,984 2,365,820 1. Lesa Musatto received no remuneration in FY2022 as her remuneration is payable in the form of options, which were subject to shareholder approval at the 2022 AGM held on 30 November 2022. Shares held by key management personnel and their associates Niall Cairns Craig Cooper King Nelson Jarrod White Lesa Musatto Total Balance 01 July 2022 Additions Balance 30 June 2023 23,559,394 23,099,394 15,385 576,551 - 3,075,0001 3,025,0001 - 452,329 - 26,634,394 26,124,394 15,385 1,028,880 - 47,250,724 6,552,329 53,803,053 1A total of 3,025,000 acquired by Mr Cairns and Mr Cooper in the year are indirectly held by C2 Ventures, in which Mr Cairns and Mr Cooper are directors. These shares are subject to the Restriction Agreement and Deed of Undertaking as approved by members at the Extraordinary General Meeting held on 28 May 2018. CardieX Limited 15 REMUNERATION REPORT Niall Cairns Craig Cooper King Nelson Jarrod White Lesa Musatto Total Balance 01 July 2021 Additions Share consolidation Balance 30 June 2022 181,842,010 177,242,010 153,846 4,857,577 - 53,751,9222 53,751,9222 - 907,933 - (212,034,538) (207,894,538) (138,461) (5,188,959) - 23,559,394 23,099,394 15,385 576,551 - 364,095,443 108,411,777 (425,256,496) 47,250,724 2A total of 47,751,922 pre consolidated shares acquired by Mr Cairns and Mr Cooper in the year are indirectly held by C2 Ventures, in which Mr Cairns and Mr Cooper are directors. These shares are subject to the Restriction Agreement and Deed of Undertaking as approved by members at the Extraordinary General Meeting held on 28 May 2018. Options held by key management personnel and their associates Niall Cairns Craig Cooper King Nelson Jarrod White Lesa Musatto Total Balance 01 July 2022 Expired Additions Balance 30 June 2023 150,000 150,000 150,000 150,000 - 600,000 - - - - - - 1,000,000 1,000,000 500,000 111,444 500,000 1,150,0003 1,150,0003 650,000 261,444 500,000 3,111,444 3,711,444 3Directors Mr. Cairns and Mr. Cooper hold 1,150,000 options indirectly through C2 Ventures Pty Limited, of which they are both directors. Niall Cairns Craig Cooper King Nelson Jarrod White Lesa Musatto Total Balance 01 July 2021 Exercised Transferred Share consolidation Balance 30 June 2022 43,420,455 43,420,455 1,500,000 1,897,728 - (39,920,455) (39,920,455) - (397,728) - (2,000,000) (2,000,000) - - - (1,350,000) (1,350,000) (1,350,000) (1,350,000) - 90,238,638 (80,238,638) (4,000,000) (5,400,000) 150,0004 150,0004 150,000 150,000 - 600,000 4Directors Mr Cairns and Mr Cooper hold 150,000 options indirectly through C2 Ventures Pty Limited, of which they are both directors. CardieX Limited 16 REMUNERATION REPORT Performance rights held by key management personnel and their associates On 11 December 2020 shareholders approved the issue of performance rights to be issued to the Directors under the Company’s Performance Rights and Option Plan. These performance rights total 16,050,000 and expire on 11 December 2023. The terms of the Director rights on issue are as follows: Tranche Tranche 1 Tranche 2 Tranche 3 Tranche 4 Tranche 5 Number of performance rights 1,100,000 1,100,000 2,450,000 5,700,000 5,700,000 Will vest if share price trade at or above: A$0.12 A$0.15 A$0.20 A$0.25 A$0.50 Expiry Date of Performance Milestone 11/12/2023 11/12/2023 11/12/2023 11/12/2023 11/12/2023 On 30 November 2022, shareholders approved the issue of performance rights to be issued to the Directors under the Company’s Performance Rights and Option Plan. These performance rights total 6,750,000 and expire on 30 November 2027. The terms of the Director rights on issue are as follows: Number of performance rights 2,250,000 2,250,000 2,250,000 Vesting conditions Vest upon the Company successfully achieving a Secondary Listing on a US exchange Vest upon the Company achieving an audited $10 million in Revenue from third parties in any financial year prior to the expiry date Vest upon the Company achieving an audited $20 million in Revenue from third parties in any financial year prior to the expiry date Issue Date Expiry Date 16/12/2022 30/11/2027 16/12/2022 30/11/2027 16/12/2022 30/11/2027 Additions Converted Expired Balance 01 July 2022 6,800,000 6,800,000 350,000 2,100,000 - 3,000,000 3,000,000 - 750,000 - 16,050,000 6,750,000 - - - - - - Balance 30 June 2023 9,800,000 9,800,000 350,000 2,850,000 - 22,800,000 - - - - - - Balance 01 July 2021 68,000,000 104,000,000 3,500,000 21,000,000 - Converted Expired Share consolidation - - (12,000,000) (24,000,000) - - - - - - (61,200,000) (61,200,000) (3,150,000) (18,900,000) - Balance 30 June 2022 6,800,000 6,800,000 350,000 2,100,000 - 196,500,000 (12,000,000) (24,000,000) (144,450,000) 16,050,000 Niall Cairns Craig Cooper King Nelson Jarrod White Lesa Musatto Total Niall Cairns Craig Cooper King Nelson Jarrod White Lesa Musatto Total CardieX Limited 17 REMUNERATION REPORT Employment Agreements Remuneration and other terms of employment for the CEO and the other key management personnel are formalised in employment agreements. Each of these agreements provide for the provision of performance related cash bonuses, other benefits including health insurance and car allowances, and participation, when eligible, in the CardieX Limited Employee Share Option Plan. Other major provisions of the agreements relating to remuneration are set out below. All contracts with executives may be terminated early by either party with variable notice periods, subject to termination payments as detailed below. Craig Cooper – Chief Executive Officer • Current agreement commenced on 1 September 2021. • Base salary of US$420,000 per annum. • Bonuses to be paid at discretion of the Group based on performance reviews. • Reimbursement for reasonable expenses incurred in running the US business, paid on a monthly basis. Niall Cairns – Executive Chairman and Director • Current agreement commenced with an effective date of 1 September 2021. • Monthly consulting fee for strategic review and consulting services of A$25,000 per month. • Reimbursement for reasonable expenses incurred. King Nelson – Non-Executive Director • Current agreement commenced with an effective date of 13 November 2015. • Base salary of US$50,000 per annum. Jarrod White – Director (resigned 26 September 2023) • Current agreement commenced with an effective date of 21 May 2020. • Base salary of A$35,000 per annum. • Jarrod White is the principal of Traverse Accountants Pty Ltd, who holds an engagement with the Group covering CFO services, Company Secretarial services, and other general accountancy services. • Mr White received Directors Fees of A$35,000 in shares for this reporting year in addition to the arms’ length services paid to Traverse Accountants Pty Ltd. Lesa Musatto – Non-Executive Director (resigned 18 October 2023) • • Appointed on 26 April 2022 During the year, Ms Musatto received 150,000 vested options in lieu of cash payment for services rendered. Loans to Directors and Key Management Personnel There were no loans made to directors or key management personnel of the Company and the Group during the period during the financial years ended 30 June 2023 and 2022 commencing at the beginning of the financial year and thereafter up to the date of this report. Signed in accordance with a resolution of the Board of Directors, made pursuant to s298(2) of the Corporations Act 2001. Niall Cairns Executive Chairman Sydney, 8 November 2023 CardieX Limited 18 Tel: +61 2 9251 4100 Fax: +61 2 9240 9821 www.bdo.com.au Level 11, 1 Margaret Street Sydney NSW 2000 Australia DECLARATION OF INDEPENDENCE BY TIM AMAN TO THE DIRECTORS OF CARDIEX LIMITED As lead auditor of CardieX Limited for the year ended 30 June 2023, I declare that, to the best of my knowledge and belief, there have been: 1. No contraventions of the auditor independence requirements of the Corporations Act 2001 in relation to the audit; and 2. No contraventions of any applicable code of professional conduct in relation to the audit. This declaration is in respect of CardieX Limited and the entities it controlled during the period. Tim Aman Director BDO Audit Pty Ltd Sydney 8 November 2023 BDO Audit Pty Ltd ABN 33 134 022 870 is a member of a national association of independent entities which are all members of BDO Australia Ltd ABN 77 050 110 275, an Australian company limited by guarantee. BDO Audit Pty Ltd and BDO Australia Ltd are members of BDO International Ltd, a UK company limited by guarantee, and form part of the international BDO network of independent member firms. Liability limited by a scheme approved under Professional Standards Legislation. CONSOLIDATED STATEMENT OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME FOR THE YEAR ENDED 30 JUNE 2023 Revenue Other income Total revenue & other income Expenses Cost of goods sold Bad debts expense Marketing and sales expense Product development and regulatory expense Occupancy expense Employee benefits expense Share based payments expense Administration expense US listing expense Interest expense Fair value loss Total expenses Net loss before income tax expense Income tax expense Net loss for the period Note 2023 2022 $ 2 3 4,604,284 $ 1,411,884 6,016,168 4,066,982 1,399,935 5,466,917 (905,849) 10,513 (1,272,099) (3,908,272) (293,467) (9,879,027) (2,067,699) (2,726,428) (3,292,403) (408,469) (159,904) (1,006,703) (373) (1,540,278) (2,376,723) (341,339) (7,759,255) (2,010,500) (1,738,425) - (227,945) (275,010) (24,903,104) (17,276,551) (18,886,936) (11,809,634) - - $ (18,886,936) $ (11,809,634) 4 5 Other comprehensive loss for the period, net of tax – Exchange differences on translation to the presentation currency Total comprehensive loss for the period attributable to the members of CardieX Limited (118,695) (20,247) $ (19,005,631) $ (11,829,881) Loss per share attributable to the members of CardieX Limited.: Basic and diluted loss per share (cents)1 Diluted loss per share (cents)1 7 7 $ $ (14.5) $ (14.5) $ (11.5) (11.5) The above consolidated statement of profit or loss and other comprehensive income should be read in conjunction with the accompanying notes. 1On 16 February 2022, there was a share consolidation of the issued capital of the Company on the basis of one (1) security for every ten (10) securities held. Where the consolidation resulted in a fraction of a Share, Performance Right or Option being held, the Company rounded that fraction up to the next whole number. The prior year weighted average number of ordinary shares has been adjusted accordingly so that the basic and diluted loss per share are comparable. CardieX Limited 20 CONSOLIDATED STATEMENT OF FINANCIAL POSITION AS AT 30 JUNE 2023 Note 30 Jun 2023 30 Jun 2022 Assets Current assets Cash and cash equivalents Trade and other receivables Inventory Financial assets Other current assets Total current assets Non-current assets Property, plant and equipment Intangible assets Financial assets Other non-current assets Total non-current assets Total assets Liabilities Current liabilities Trade and other payables Unearned revenue Provisions Financial liabilities Lease liabilities Borrowings Total current liabilities Non-current liabilities Provisions Lease liabilities Total non-current liabilities Total liabilities Net (liabilities) / net assets Contributed equity Reserves Accumulated losses Total equity 8 9 10 14 11 12 13 14 15 16 17 18 19 20 17 19 21 23 $ 716,319 $ 1,455,590 2,239,241 1,661,896 5,792,386 1,433,279 11,843,121 1,471,717 633,048 510,167 78,636 2,693,568 813,138 994,774 - 1,566,218 4,829,720 1,069,790 320,885 6,080,309 77,160 7,548,144 $ $ 14,536,689 $ 12,377,864 7,459,729 $ 2,224,631 877,312 526,538 66,778 122,871 1,297,505 5,115,635 1,824 649,092 650,916 5,766,551 6,611,313 3,041,633 488,774 2,175,794 168,951 1,460,959 $ 14,795,840 $ 6,158 483,096 489,254 15,285,094 $ (748,405) $ $ $ $ $ 76,615,802 $ 67,552,468 6,389,306 3,925,422 (83,753,513) (64,866,577) (748,405) $ 6,611,313 The above consolidated statement of financial position should be read in conjunction with the accompanying notes. CardieX Limited 21 CONSOLIDATED STATEMENT OF CHANGES IN EQUITY FOR THE YEAR ENDED 30 JUNE 2023 Note Contributed equity Reserves Accumulated losses Total equity Balance at 1 July 2021 Loss after income tax expense for the period Other comprehensive loss for the period, net of tax – Exchange differences on translation to the presentation currency Total comprehensive loss for the period Transactions with owners in their capacity as owners: Shares issued on conversion of options Performance rights converted to shares Conversion of convertible notes Shares issued in lieu of payments to employees Performance rights vesting expense Options vesting expense Costs of issuing share capital Performance rights expired Transfer to retained earnings Balance at 30 June 2022 Loss after income tax expense for the period Other comprehensive loss for the period, net of tax – Exchange differences on translation to the presentation currency Total comprehensive loss for the period Transactions with owners in their capacity as owners: Capital placement Shares issued in lieu of payments to employees Shares issued in lieu of payments to suppliers Performance rights vesting expense Options vesting expense Options issuable for convertible notes Costs of issuing share capital Balance at 30 June 2023 21 21 21 21 23(b) 23(a) 21 23(b) 23(b) 21 21 21 23(b) 23(a) 23(a) 21 $ 59,286,666 $ 3,086,032 $ (53,665,566) $ 8,707,132 - - - (11,809,634) (11,809,634) (20,247) - (20,247) $ - $ (20,247) $ (11,809,634) $ (11,829,881) 7,602,431 422,557 270,663 118,965 - - (148,814) - - - (422,557) (35,719) - 1,432,148 494,388 - (573,032) (35,591) - - - - - - - 573,032 35,591 7,602,431 - 234,944 118,965 1,432,148 494,388 (148,814) - - $ 67,552,468 $ 3,925,422 $ (64,866,577) $ 6,611,313 - - - (18,886,936) (18,886,936) (118,695) - (118,695) $ - $ (118,695) $ (18,886,936) $ (19,005,631) 9,913,412 35,000 89,715 - - - (974,793) - - - 1,666,546 670,140 75,996 169,897 - - - - - - $ 76,615,802 $ 6,389,306 $ (83,753,513) $ 9,913,412 35,000 89,715 1,666,546 670,140 75,996 (804,896) (748,405) The above consolidated statement of changes in equity should be read in conjunction with the accompanying notes. CardieX Limited 22 CONSOLIDATED STATEMENT OF CASH FLOWS FOR THE YEAR ENDED 30 JUNE 2023 Cash flows used in operating activities Receipts from customers Payments to suppliers and employees Cash receipts from other income Receipt for Research and Development Tax Incentives Net cash used in operating activities Cash flows used in investing activities Payments for property, plant and equipment Payments for intangible assets Net cash (used in)/from investing activities Cash flows from financing activities Proceeds from shares issued Share issue costs Proceeds from issue of convertible debt Borrowings received, net of transaction costs Borrowings repaid Convertible notes repaid Finance costs Lease principal repayments Note 30 Jun 2023 30 Jun 2022 $ 5,332,700 $ 4,291,582 (18,416,625) (13,911,521) 363,947 723,628 300 468,927 8 $ (11,996,350) $ (9,150,712) (57,703) (22,573) $ (80,276) $ 21 21 18 20 20 18 9,913,412 (535,910) 2,175,000 800,000 (724,923) (66,778) - (208,420) (420,986) (17,070) (438,056) 7,602,431 (148,814) - 1,199,285 (1,055,591) - (26,322) (157,487) 7,413,502 (2,175,266) 3,665,259 (34,403) 1,455,590 Net cash from financing activities $ 11,352,381 $ Net (decrease)/increase in cash and cash equivalents Cash and cash equivalents at the beginning of the fiscal period Effects of foreign currency exchange (724,245) 1,455,590 (15,026) Cash and cash equivalents at the end of the period 8 $ 716,319 $ The above consolidated statement of cash flows should be read in conjunction with the accompanying notes. CardieX Limited 23 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 1. SIGNIFICANT ACCOUNTING POLICIES The financial report includes the consolidated financial statements and notes of CardieX Limited and controlled entities (‘Consolidated Group’ or ‘Group’). The separate financial statements and notes of CardieX Limited as an individual parent entity (‘Company’) have not been presented within the financial report as permitted by the Corporations Act 2001. CardieX Limited is a for-profit entity. The financial statements were authorised for issue on 8 November 2023 by the directors of the Company. BASIS OF PREPARATION The financial report is a general-purpose financial report that has been prepared in accordance with Australian Accounting Standards, Australian Accounting Interpretations, other authoritative pronouncements of the Australian Accounting Standards Board (“AASB”) and the Corporations Act 2001. Australian Accounting Standards set out accounting policies that the AASB has concluded would result in a financial report containing relevant and reliable information about transactions, events and conditions to which they apply. Compliance with Australian Accounting Standards ensures that the financial statements and notes also comply with International Financial Reporting Standards. Material accounting policies adopted in the preparation of this financial report are reported below. They have been consistently applied unless stated otherwise. All applicable new accounting standards have been adopted for the year ended 30 June 2023 unless otherwise stated and their adoption did not have a significant impact on the financial performance or position of the consolidated entity. The financial report has been prepared on an accruals basis and is based on historical costs, modified, where applicable, by the measurement at fair value of selected non-current assets, financial assets and financial liabilities. PRINCIPLES OF CONSOLIDATION A controlled entity is any entity CardieX Limited has the power to control the financial and operating policies of so as to obtain benefits from its activities. A list of controlled entities is contained in Note 25 to the financial statements. All controlled entities have a 30 June 2023 financial year-end for this current year. As at the reporting date, the assets and liabilities of all controlled entities have been incorporated into the consolidated financial statements as well as their results for the year ended. All inter-company balances and transactions between entities in the Group, including any unrealised profits or losses, have been eliminated on consolidation. Accounting policies of subsidiaries have been changed where necessary to ensure consistencies with those policies applied by the Company. Where controlled entities have entered or left the Group during the year, their operating results have been included/excluded from the date control was obtained or until the date control ceased. GOING CONCERN The financial statements have been prepared on the going concern basis, which contemplates continuity of normal business activities and the realisation of assets and the discharge of liabilities in the normal course of business. As disclosed in the financial statements, the Group incurred a loss after tax of $18,886,936 (2022: $11,809,634), had a net liability position of $748,405 (2022 net asset position: $6,611,313) and had net cash outflows from operating activities of $11,996,350 for the year ended 30 June 2023 (2022: $9,150,712). Further, following the withdrawal of the registration statement for a US IPO the Board, with the support of the Company’s senior executive team and advisors, have been focused on alternative solutions to its capital raising to support its corporate strategy and which will provide enough funding and capital runway to allow the Company to both progress its new product launch initiative and execution of its overall business plan. As a result of these matters, there is a material uncertainty related to events or conditions that may cast significant doubt on whether the Group will continue as a going concern and, therefore, the Group may be unable to realise its assets and discharge its liabilities and commitments in the normal course of business and at the amount stated in the financial report. The Directors of the opinion that there are reasonable grounds that the Group will be able to continue as a going concern, after consideration of the following factors: • CardieX is currently underway with multiple funding initiatives for raising capital, including a placement of approximately A$5m, expected to be completed in November 2023, followed by a A$3m rights issue expected to be completed in December 2023. CardieX Limited 24 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 1. SIGNIFICANT ACCOUNTING POLICIES (CONTINUED) • C2 Ventures Pty Ltd, a Company jointly owned by Directors Mr Niall Cairns and Mr Craig Cooper, has entered into a funding agreement with CardieX to provide total capital of A$7,500,000, including a A$1.5m facility limit to be received during the December 2023 quarter, followed by a further A$6m facility limit to be provided during the 2024 calendar year. The ATCOR division reported strong sales growth for the September 2023 quarter, recorded unaudited revenue of A$1.36m, which was up 143% on the prior corresponding period. This is primarily due to strong sales performance in the US research market, due to expansion of the Group’s sales lead generation activities and data-driven targeting of new customer prospects. • • CardieX continues to conduct a strategic review of its operations to reduce operating costs and streamline operations and has taken measures to reduce cash outgoings for employee benefits, as well as restructuring a number of employees’ compensation plans with a structure weighted more towards shares than cash. • CardieX is currently enforcing its contractual rights with Clinichain in relation to the cancellation of a non- cancellable clinical trial and is currently in settlement discussion to recoup all contractual payments outstanding of ~A$6.4m. A prejudgment has been received in Dutch court, and draft settlement agreements are currently in negotiation. If the Directors are unsuccessful in achieving the above plan, or additional funds are required, alternative measures would be pursued which would include: • Raising additional funds via either equity or debt. The Group has a successful track record of being able to raise both equity and debt financing; and • Curtailing materially, if necessary, the Group’s ongoing operating costs. The Directors are of the opinion that the Group will be successful in managing the above matters and accordingly, they have prepared the financial report on a going concern basis. At this time, the Directors are of the opinion that no asset is likely to be realised for an amount less than the amount at which it is recorded in the consolidated financial report as at 30 June 2023. Accordingly, no adjustments have been made to the financial report relating to the recoverability and classification of the asset carrying amounts or the amounts and classification of liabilities that might be necessary should the Group not continue as a going concern. FINANCIAL INSTRUMENTS Recognition, initial measurement and derecognition Financial assets and financial liabilities are recognised when the Company becomes a party to the contractual provisions of the financial instrument and are measured initially at fair value adjusted by transactions costs, except for those carried at fair value through profit or loss, which are measured initially at fair value. Subsequent measurement of financial assets and financial liabilities are described below. Financial assets are derecognised when the contractual rights to the cash flows from the financial asset expire, or when the financial asset and substantially all the risks and rewards are transferred. A financial liability is derecognised when it is extinguished, discharged, cancelled or expires. Classification and subsequent measurement of financial assets Except for those trade receivables that do not contain a significant financing component and are measured at the transaction price in accordance with AASB 9, all financial assets are initially measured at fair value adjusted for transaction costs (where applicable). Hybrid contracts If a hybrid contract contains a host that is a financial asset, the policies applicable to financial assets are applied consistently to the entire contract. Subsequent measurement of financial assets For the purpose of subsequent measurement, financial assets, other than those designated and effective as hedging instruments, are classified into the following categories upon initial recognition: • • • • financial assets at amortised cost financial assets at fair value through profit or loss (FVPL) debt instruments at fair value through other comprehensive income (FVOCI) equity instruments at fair value through other comprehensive income (FVOCI) CardieX Limited 25 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 1. SIGNIFICANT ACCOUNTING POLICIES (CONTINUED) Classifications are determined by both: • • the entity’s business model for managing the financial asset the contractual cash flow characteristics of the financial assets All income and expenses relating to financial assets that are recognised in profit or loss are presented within finance costs, finance income or other financial items, except for impairment of trade receivables which is presented within other expenses. Financial assets at amortised cost Financial assets are measured at amortised cost if the assets meet the following conditions (and are not designated as FVPL): • • they are held within a business model whose objective is to hold the financial assets and collect its contractual cash flows the contractual terms of the financial assets give rise to cash flows that are solely payments of principal and interest on the principal amount outstanding After initial recognition, these are measured at amortised cost using the effective interest method. Discounting is omitted where the effect of discounting is immaterial. The Company’s cash and cash equivalents, trade and most other receivables fall into this category of financial. Financial assets at fair value through profit or loss (FVPL) Financial assets that are held within a business model other than ‘hold to collect’ or ‘hold to collect and sell’ are categorised at fair value through profit and loss. Further, irrespective of business model, financial assets whose contractual cash flows are not solely payments of principal and interest are accounted for at FVPL. All derivative financial instruments fall into this category, except for those designated and effective as hedging instruments, for which the hedge accounting requirements apply. Debt instruments at fair value through other comprehensive income (Debt FVOCI) Financial assets with contractual cash flows representing solely payments of principal and interest and held within a business model of collecting the contractual cash flows and selling the assets are accounted for at FVOCI. Any gains or losses recognised in OCI will be recycled upon derecognition of the asset. Equity instruments at fair value through other comprehensive income (Equity FVOCI) Investments in equity instruments that are not held for trading are eligible for an irrevocable election at inception to be measured at FVOCI. Under this category, subsequent movements in fair value are recognised in other comprehensive income and are never reclassified to profit or loss. Dividend income is taken to profit or loss unless the dividend clearly represents return of capital. Impairment of Financial assets The Group recognises a loss allowance for expected credit losses on financial assets which are either measured at amortised cost or fair value through other comprehensive income. The measurement of the loss allowance depends upon the Group's assessment at the end of each reporting period as to whether the financial instrument's credit risk has increased significantly since initial recognition, based on reasonable and supportable information that is available, without undue cost or effort to obtain. Where there has not been a significant increase in exposure to credit risk since initial recognition, a 12-month expected credit loss allowance is estimated. This represents a portion of the asset's lifetime expected credit losses that is attributable to a default event that is possible within the next 12 months. Where a financial asset has become credit impaired or where it is determined that credit risk has increased significantly, the loss allowance is based on the asset's lifetime expected credit losses. The amount of expected credit loss recognised is measured on the basis of the probability weighted present value of anticipated cash shortfalls over the life of the instrument discounted at the original effective interest rate. For financial assets mandatorily measured at fair value through other comprehensive income, the loss allowance is recognised in other comprehensive income with a corresponding expense through profit or loss. In all other cases, the loss allowance reduces the asset's carrying value with a corresponding expense through profit or loss. Financial liabilities The Group’s financial liabilities include borrowings, trade and other payables and derivative financial instruments. Financial liabilities are initially measured at fair value, and, where applicable, adjusted for transaction costs unless the Group designated a financial liability at FVTPL. Subsequently, financial liabilities are measured at amortised cost using the effective interest method except for derivatives and financial liabilities designated at FVTPL, which are carried subsequently at fair value with gains or losses recognised in profit or loss (other than derivative financial instruments that are designated and effective as hedging instruments). CardieX Limited 26 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 1. SIGNIFICANT ACCOUNTING POLICIES (CONTINUED) All interest-related charges and, if applicable, changes in an instrument’s fair value that are reported in profit or loss are included within finance costs or finance income. GOODS AND SERVICES TAX Revenue, expenses and assets are recognised net of the amount of GST, except where the amount of GST incurred is not recoverable from the Australian Tax Office. In these circumstances the GST is recognised as part of the cost of acquisition of the asset or as part of an item of the expense. Receivables and payables in the Statement of Financial Position are shown inclusive of GST. Cash flows are presented in the Statement of Cash Flows on a gross basis, except for the GST components of investing and financing activities, which are disclosed as operating cash flows. There is provision made in the Statement of Cash Flows to disclose the applicable GST refunds/payments that have been remitted to the ATO to accurately show the cash position of CardieX Limited. FOREIGN CURRENCY TRANSLATION Functional currency Items included in the financial statements of the Group’s operations are measured using the currency of the primary economic environment in which it operates (‘the functional currency’). The functional currency of the Company and controlled entities registered in Australia is Australian dollars (AU$). The functional currency of the AtCor Medical Inc and Conneqt Inc is United States dollars (US$). The functional currency of CardieX (Shanghai) Medical Technology Co., Ltd. Is Chinese Yuan (CNY). Foreign currency transactions are translated into the functional currency using the exchange rates ruling at the date of the transaction. Monetary assets and liabilities denominated in foreign currencies are retranslated at the rate of exchange ruling at the end of the reporting period. Foreign exchange gains and losses resulting from settling foreign currency transactions, as well as from restating foreign currency denominated monetary assets and liabilities, are recognised in profit or loss, except when they are deferred in other comprehensive income as qualifying cash flow hedges or where they relate to differences on foreign currency borrowings that provide a hedge against a net investment in a foreign entity. Non-monetary items measured at fair value in a foreign currency are translated using the exchange rates at the date when fair value was determined. Presentation currency The financial statements are presented in Australian dollars, which is the Group’s presentation currency. Functional currency balances are translated into the presentation currency using the exchange rates at the balance sheet date. Value differences arising from movements in the exchange rate is recognised in the statement of comprehensive income. Critical accounting estimates and judgements The Group has operations in both the US and Australia; however, the functional currency is deemed to be Australian dollars as the Group is listed on the Australian stock exchange and the main operations are located in Australia. Functional currency of AtCor Medical Inc. and Conneqt Inc. In determining that United States dollar (US$) is the functional currency of AtCor Medical Inc. and Conneqt Inc., management have applied judgement to assess the currency that most faithfully represents the economic effects of the underlying transactions, events and conditions in the entities. Management have considered the currency that mainly influences sales prices for goods and services and labour, material and other costs of providing goods or services. CURRENT AND NON-CURRENT CLASSIFICATION Assets and liabilities are presented in the statement of financial position based on current and non-current classification. An asset is current when it is expected to be realised or intended to be sold or consumed in normal operating cycle; it is held primarily for the purpose of trading; it is expected to be realised within 12 months after the reporting period; or the asset is cash or cash equivalent unless restricted from being exchanged or used to settle a liability for at least 12 months after the reporting period. All other assets are classified as non-current. CardieX Limited 27 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 1. SIGNIFICANT ACCOUNTING POLICIES (CONTINUED) A liability is current when it is expected to be settled in normal operating cycle; it is held primarily for the purpose of trading; it is due to be settled within 12 months after the reporting period; or there is no unconditional right to defer the settlement of the liability for at least 12 months after the reporting period. All other liabilities are classified as non-current. Deferred tax assets and liabilities are always classified as non-current. PARENT ENTITY INFORMATION In accordance with the Corporations Act 2001, these financial statements present the results of the consolidated entity only. Supplementary information about the parent entity is disclosed in Note 29. OPERATING SEGMENTS Operating segments are presented using the 'management approach', where the information presented is on the same basis as the internal reports provided to the Chief Operating Decision Makers ('CODM'). The CODM is responsible for the allocation of resources to operating segments and assessing their performance. As disclosed in Note 27, the Group has one operating segment. NEW, REVISED OR AMENDED ACCOUNTING STANDARDS ADOPTED The Group has retrospectively adopted all of the new, revised or amended Accounting Standards and Interpretations issued by the Australian Accounting Standards Board ('AASB') that are relevant to its operations and effective for the year commencing 1 July 2022. There was no material impact on the group’s financial statements on the adoption of these Standards and Interpretations. Revised or amending Accounting Standards or Interpretations that are not yet mandatory for the year ended 30 June 2023 have not been early adopted. OTHER SIGNIFICANT ACCOUNTING POLICIES Other significant accounting policies for transactions and balances are disclosed throughout the notes to the consolidated financial statements. CardieX Limited 28 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 2. REVENUE Revenue consists of the following: Sale of goods revenue Lease revenue Service revenue Freight revenue Royalty income $ 30 Jun 2023 30 Jun 2022 2,613,940 $ 1,121,588 556,396 206,934 105,426 2,334,130 1,185,293 395,332 93,766 58,461 $ 4,604,284 $ 4,066,982 Accounting policy for revenue recognition To determine whether to recognise revenue and what price, the Group follows a 5-step process: 1. 2. 3. 4. 5. Identifying the contract with a customer Identifying the performance obligations Determining the transaction price Allocating the transaction price to the performance obligations Recognising revenue when/as performance obligation(s) are satisfied. Total transaction price for a contract is allocated amongst the various performance obligations based on their relative stand-alone selling prices. The transaction price for a contract excludes any amounts collected on behalf of third parties. Revenue is recognised either at a point in time or over time, when (or as) the Group satisfies performance obligations by transferring the promised goods or services to its customers. The Group has identified the following revenue streams: Sale of goods revenue Sale of goods revenue is recognised at the point of sale, which is where the customer has taken delivery of the goods, the control is transferred to the customer and there is a valid sales contract. The transaction price is stipulated in the sales contract. Performance obligations after the transfer of control of the goods (such as after sales service) are measured and recorded separately, as detailed in Other revenue below. Amounts disclosed as revenue are net of sales returns and trade discounts. Lease revenue The Group earned lease income from both finance and operating lease of goods and continues to recognise related income in line with AASB 16 Leases. The Group recognises unearned revenue for lease income received in advance where the benefit from the use of the underlying asset has not been diminished. The unearned revenue is reported in the statement of financial position. Similarly, if the Group provides benefits from the underlying asset before it receives the consideration, the Group recognises either a contract lease asset or a receivable in its statement of financial position, depending on whether something other than the passage of time is required before the consideration is due. For operating leases, the lease income and interest in relation to the goods are recognised over time per the terms set in the contract with the customer. For goods sold on a finance lease, income is recognised at the point of sale, which is where the customer has taken delivery of the goods, the control is transferred to the customer and there is a valid sales contract. Any associated interest income is recognised over the life of the lease in line with the terms set in the contract with the customer. CardieX leases multiple medical devices to customers as part of pharmaceutical trials. The amounts are paid over an accelerated term per the signed contract, and then revenue is recognised on a straight-line basis based on the amount of equipment delivered. The equipment is leased to the customer for approximately 2 years which is not considered to be a major part of the economic life of the asset. The equipment is returned to CardieX at the end of the lease and the equipment can continue to be used without any major modification. Service revenue Service income is recognised over time in line with management’s assessment of the performance obligations under each contract. Freight revenue Freight income is recognised when the control is transferred to the customer and there is a valid sales contract. Royalty income Royalty income is recognised when entitled under royalty agreements. Disaggregation of revenue CardieX Limited 29 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 3. OTHER INCOME Other income consists of the following: Research and development tax incentive scheme Foreign exchange gains Interest income Miscellaneous other income 30 Jun 2023 30 Jun 2022 $ $ 722,971 $ 67,310 257,657 363,946 661,030 296,307 432,580 10,018 1,411,884 $ 1,399,935 Accounting policy for research and development grant income Research and development grant income is recognised when the Group is entitled to the research and development grant. The amount is treated as other income in the period in which the research and development costs were incurred. NOTE 4. EXPENSES Net loss before income tax expense includes the following specific expenses: Depreciation on plant and equipment Depreciation on right of use assets Amortisation of intangible assets Share based payments NOTE 5. INCOME TAX EXPENSE Income tax expense consists of the following: Deferred tax expense Current tax expense Aggregate income tax expense Effective tax rate reconciliation (in thousands): Loss before income tax expense Tax at the statutory tax rate of 25% (2022: 25%) 30 Jun 2023 30 Jun 2022 $ 58,268 $ 152,817 14,508 2,067,699 58,451 160,348 15,676 2,010,500 $ $ $ 30 Jun 2023 30 Jun 2022 - $ - - $ - - - 30 Jun 2023 30 Jun 2022 (18,886,936) $ (11,809,634) (4,721,734) (2,952,408) Tax effect amounts which are not deductible/(taxable) in calculating taxable income: Other non-allowable items Items not assessable for taxation Items deductible for taxation but not accounting Differences in overseas tax rates Benefit of tax losses and temporary differences not recognised 2,721,599 (239,322) (441,468) 187,852 2,493,073 Income tax expense $ - $ 1,096,025 (165,257) (270,269) 127,355 2,164,555 - The Group has carried forward tax losses, calculated according to Australian income tax legislation of $60,275,852 (2022: $51,027,938) which will be deductible from future assessable income provided that income is derived, and: a) The Company and its controlled entities carry on a business of, or a business that includes software development in Australia; and b) No change in tax legislation adversely affects the Group and its controlled entities in realising the benefit from the deduction for the losses. CardieX Limited 30 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 5. INCOME TAX EXPENSE (CONTINUED) The benefit of these losses will only be recognised where it is probable that future taxable profit will be available against which the benefits of the deferred tax asset can be utilised. Deferred tax assets are estimated but not recognised at $15,068,963 at 30 June 2023 (2022: $12,756,984) so as to enable the Board to determine more reliably the probability of utilising these tax assets in the foreseeable future. As at the date of this report the entities in the tax consolidation group had not entered into a tax sharing agreement. No compensation has been received or paid for any current tax payable or deferred tax assets relating to tax losses assumed by the parent entity since implementation of the tax consolidation regime. Accounting policy for income tax The income tax expense for the year comprises current income tax expenses and deferred tax expenses. Current income tax expense charged to the profit or loss in the tax payable on taxable income for the current period. Current tax liabilities are measured as the amounts expected to be paid to the relevant tax authority using the tax rates and tax laws that have been enacted or substantively enacted by the end of the reporting period. CardieX Limited and its wholly owned Australian controlled entities have implemented the tax consolidation legislation as of July 1, 2005. The head entity, CardieX Limited, and the controlled entities in the tax consolidated group account for their own current and deferred tax amounts. These amounts are measured as if each entity in the tax consolidated group continues to be a standalone taxpayer in its own right. Deferred income tax expense reflects movements in deferred tax asset and deferred tax liability balances during the year as well as unused tax losses. Deferred tax assets and liabilities are calculated at the tax rates that are expected to apply to the period when the asset is realised, or the liability is settled, and their measurement also reflects the manner in which management expects to recover or settle the carrying amount of the related asset or liability. Deferred tax assets relating to temporary differences and unused tax losses are only recognised to the extent that it is probably that future taxable profit will be available against which the benefits of the deferred tax asset can be utilised. Deferred tax assets and liabilities are offset only where there is a legally enforceable right to offset current tax assets against current tax liabilities and deferred tax assets against deferred tax liabilities; and they relate to the same taxable authority on either the same taxable entity or different taxable entities which intend to settle simultaneously. Critical accounting judgements, estimates and assumptions The Group is subject to income taxes in the jurisdictions in which it operates. Significant judgement is required in determining the provision for income tax. There are many transactions and calculations undertaken during the ordinary course of business for which the ultimate tax determination is uncertain. The Group recognises liabilities for anticipated tax audit issues based on the Group's current understanding of the tax law. Where the final tax outcome of these matters is different from the carrying amounts, such differences will impact the current and deferred tax provisions in the period in which such determination is made. NOTE 6. AUDITOR REMUNERATION Remuneration of the auditor (BDO) of the Group for: Audit and review services for ASX and ASIC requirements for the financial year Audit and review services in relation to the US IPO for the financial year (current and historical PCAOB audits) Audit services for comfort and consent letters provided in relation to the US IPO 30 Jun 2023 30 Jun 2022 $ 60,000 $ 95,000 460,000 265,000 785,000 - - 95,000 CardieX Limited 31 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 7. LOSS PER SHARE The calculation of the basic and diluted loss per share is based on the following information: Reconciliation of earnings used in calculating earnings per share Net loss after tax $ (18,886,936) $ (11,809,634) 30 Jun 2023 30 Jun 2022 Weighted average number of ordinary shares1 No. of shares No. of shares 130,110,549 103,005,388 Basic and diluted loss per share (cents) $ (14.5) $ (11.5) Performance rights and options to acquire shares that would be dilutive if the Group was generating a profit have been excluded from the weighted average number of issued ordinary shares as the Group is generating a loss. Refer to Note 23 for additional details in relation to the performance rights. 1On 16 February 2022, there was a share consolidation of the issued capital of the Company on the basis of one (1) security for every ten (10) securities held. Where the consolidation resulted in a fraction of a Share, Performance Right or Option being held, the Company rounded that fraction up to the next whole number. The prior year weighted average number of ordinary shares has been adjusted accordingly so that the basic and diluted loss per share are comparable. NOTE 8. CASH AND CASH EQUIVALENTS Cash and cash equivalents consisted of the following: Cash at bank 30 Jun 2023 30 Jun 2022 $ $ 716,319 $ 716,319 $ 1,455,590 1,455,590 There are no restrictions or limitations on the use of cash and cash equivalents. Accounting policy for cash and cash equivalents Cash and cash equivalents include cash on hand, deposits held at call with financial institutions, other short-term, highly liquid investments with original maturities of three months or less or that are readily convertible to known amounts of cash and which are subject to an insignificant risk of changes in value. Reconciliation of Cash Flow from Operations with net loss for the period: Net loss for the year Depreciation and amortisation expense Share based payments expense Interest income on convertible notes Unrealised foreign exchange difference Interest expense Fair value loss Other non-cash expenses Change in operating assets and liabilities (Increase) in trade and other receivables (Increase) in inventories - net Increase in trade and other payables Increase in unearned revenue (Decrease) / increase in provisions Transfer to property plant and equipment Net cash outflow used in operating activities CardieX Limited 30 Jun 2023 30 Jun 2022 $ (18,886,936) $ (11,809,634) 225,593 2,067,699 (257,657) (67,310) 165,401 159,904 97,988 (1,293,164) (667,122) 5,004,329 2,164,321 (33,430) (675,966) 222,633 2,010,500 (432,580) (296,307) 244,150 - - (257,634) (550,548) 1,149,832 447,131 121,745 - $ (11,996,350) $ (9,150,712) 32 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 9. TRADE AND OTHER RECEIVABLES Trade and other receivables consisted of the following: Trade receivables Less: Provision for impairment Provision for impairment: Balance at beginning of period Provision for doubtful debts recognised during the year Reversal of provision upon receipt of payment Receivables written off during the year as uncollectible Balance at end of period Accounting policy for trade and other receivables 30 Jun 2023 30 Jun 2022 2,276,474 $ (37,233) 2,239,241 $ 860,738 (47,600) 813,138 30 Jun 2023 30 Jun 2022 47,600 $ 2,446 (11,614) (1,199) 37,233 $ 48,507 373 (1,280) - 47,600 $ $ $ $ Trade receivables are initially recognised at fair value and subsequently measured at amortised cost using the effective interest method, less any provision for impairment. Trade and other receivables are non-interest bearing and are generally on 30 to 60 day terms. Collectability of trade receivables is reviewed on an ongoing basis in accordance with the expected credit loss (“ECL”) model. Credit losses are measured at the present value of all cash shortfalls (i.e. the difference between the cash flows due to the Group in accordance with the contract and the cash flows that the Group expects to receive). ECLs are discounted at the effective interest rate of the financial asset. The ECL assessment completed by the Group as at year end has resulted in an immaterial credit loss and no impairment allowance has been recognised by the Group (2022: $Nil). A specific provision of $37,233 (2022: $47,600) was recognised at each financial year end. Critical accounting judgements, estimates and assumptions The provision for impairment of receivables and the ECL calculation assessment requires a degree of estimation and judgment. The level of provision is assessed by taking into account the recent sales experience, the ageing of receivables, historical collection rates and specific knowledge of the individual debtor’s financial position. NOTE 10. INVENTORY Inventories consisted of the following: Raw materials Finished goods Inventories Accounting policy for inventories 30 Jun 2023 30 Jun 2022 $ $ 775,102 $ 886,794 1,661,896 $ 517,013 477,761 994,774 Inventories are stated at the lower of cost and net realisable value. Cost includes all expenses directly attributable to the manufacturing process as well as suitable portions of related production overheads, based on normal operating capacity. Costs are assigned using the first in, first out cost formula. Net realisable value is the estimated selling price in the ordinary course of business less any applicable selling expenses. Critical accounting judgements, estimates and assumptions The provision for impairment of inventories assessment requires a degree of estimation and judgement. The level of the provision is assessed by taking into account the recent sales experience, the ageing of inventories and other factors that affect inventory obsolescence. CardieX Limited 33 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 11. OTHER CURRENT ASSETS Other current assets consisted of the following: Prepaid expenses Contract assets Research and development tax incentive receivable (Note 3) Deposits Other NOTE 12. PROPERTY, PLANT AND EQUIPMENT Property, plant and equipment consisted of the following: Manufacturing plant & equipment - at cost Less: Accumulated depreciation Manufacturing plant & equipment Furniture, fixtures and equipment Less: Accumulated depreciation Furniture, fixtures and equipment Devices leased to customers Less: Accumulated depreciation Devices leased to customers Property under lease (right-of use asset) Less: Accumulated depreciation Property under lease (right-of use asset) Property, plant and equipment 30 Jun 2023 30 Jun 2022 $ 665,267 6,735 734,369 26,908 - 816,388 12,179 735,026 - 2,625 $ 1,433,279 $ 1,566,218 30 Jun 2023 30 Jun 2022 474,710 $ (356,640) 118,070 $ 566,025 (248,107) 317,918 $ 854,907 $ (337,047) 517,860 $ 900,417 $ (382,548) 517,869 $ 344,867 (343,123) 1,744 517,431 (197,579) 319,852 299,676 (219,495) 80,181 892,043 (224,030) 668,013 1,471,717 $ 1,069,790 $ $ $ $ $ $ $ $ $ CardieX Limited 34 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 12. PROPERTY, PLANT AND EQUIPMENT (CONTINUED) Movements: Manufacturing plant & equipment Furniture, fixtures and equipment Devices leased to customers Property under lease (right-of use asset) Total Balance at 1 July 2021 Additions Foreign exchange differences Disposals Depreciation expense $ 2,946 $ - 71,361 $ 290,186 137,425 $ 25,864 140,336 $ 677,701 - - 3,712 - 12,548 10,324 - - 352,068 993,751 26,584 - (1,202) (45,407) (95,656) (160,348) (302,613) Balance at 30 June 2022 $ 1,744 $ 319,852 $ 80,181 $ 668,013 $ 1,069,790 Additions Foreign exchange differences Disposals Expenses to COGS Depreciation expense 129,844 - - - 40,767 2,049 - - 535,113 9,856 - (107,290) - 2,673 - - (13,518) (44,750) - (152,817) 705,724 14,578 - (107,290) (211,085) Balance at 30 June 2023 $ 118,070 $ 317,918 $ 517,860 $ 517,869 $ 1,471,717 Accounting policy for property, plant and equipment Plant and equipment are stated at cost less accumulated depreciation and any accumulated impairment losses. Cost includes expenditure that is directly attributable to the acquisition of the items. Subsequent costs are included in the assets carrying amount or recognised as a separate asset, as appropriate, only when it is probable that future economic benefits associated with the item will flow to the Group and the cost of the item can be measured reliably. Plant and equipment are depreciated over their estimated useful lives using the straight-line method. The expected useful lives of the assets are as follows: Manufacturing plant and equipment Furniture, fixtures and equipment Devices leased to customers Lease improvements 3-10 years 3-5 years 3-4 years Life of lease The residual values and useful lives are reviewed, and adjusted if appropriate, at each statement of financial position date or when there is an indication that they have changed. A carrying amount is written down immediately to its recoverable amount if the carrying amount is greater than its estimated recoverable amount. Gains and losses on disposals are determined by comparing proceeds with carrying amount. These are included in the statement of profit or loss and other comprehensive income. Right of Use Asset The right-of-use asset is initially measured at cost, which comprised the initial amount of the lease liability adjusted for any lease payments made at or before the commencement date, plus any initial direct costs incurred and an estimate of costs to dismantle and remove the underlying asset or to restore the underlying or the site on which it is located, less any lease incentives received. The Group assesses whether a contract is or contains a lease, at inception of the contract. The Group recognises a right-of-use asset and a corresponding lease liability with respect to all lease arrangements in which it is the lessee, except for short-term leases (defined as leases with a lease term of 12 months or less) and leases of low value assets. For these leases, the Group recognises the lease payments as an operating expense on a straight-line basis over the term of the lease unless another systematic basis is more representative of the time pattern in which economic benefits from the leased assets are consumed. The right-of-use asset is subsequently depreciated using the straight-line method from the commencement date to the earlier of the end of the useful life of the right-of-use asset or the end of the lease term. The estimated useful lives of right-of-use assets are determined on the same basis as those of property and equipment. In addition, the right-of-use asset is periodically reduced by impairment losses, if any, and adjusted for certain remeasurements of the lease liability. CardieX Limited 35 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 12. PROPERTY, PLANT AND EQUIPMENT (CONTINUED) Impairment of Assets At each reporting date, the Group reviews the carrying values of its tangible assets to determine whether there is any indication that those assets have been impaired. If such an indication exists, the recoverable amount of the asset, being the higher of the asset’s fair value less costs to sell and value in use, is compared to the asset’s carrying value. Any excess of the asset’s carrying value over its recoverable amount is expensed to the Statement of Profit or Loss and Other Comprehensive Income. Where it is not possible to estimate the recoverable amount of an individual asset, the Group estimates the recoverable amount of the cash-generating unit to which the asset belongs. Critical accounting judgements, estimates and assumptions Estimation of useful lives of assets The Group determines the estimated useful lives and related depreciation and amortisation charges for its property, plant and equipment and finite life intangible assets. The useful lives could change significantly as a result of technical innovations or some other event. The depreciation and amortisation charge will increase where the useful lives are less than previously estimated lives, or technically obsolete or non-strategic assets that have been abandoned or sold will be written off or written down. NOTE 13. INTANGIBLE ASSETS Intangible assets consisted of the following: 30 Jun 2023 30 Jun 2022 Capitalised development costs - at cost $ 456,747 $ Less: Accumulated amortisation of capitalised development costs Website costs – at cost Less: Accumulated amortisation of website costs Other intangible assets - at cost Less: Accumulated amortisation of other intangible assets (90,909) 73,680 (59,813) 253,343 - 384,266 (90,909) 70,910 (43,382) - - Intangible assets $ 633,048 $ 320,885 Balance at 1 July 2021 Additions Foreign exchange differences Disposals Amortisation expense Capitalised development costs $ 293,357 $ Website costs Other intangible assets Total 38,221 $ - $ 331,578 - - - - - 4,983 - (15,676) - - - - Balance at 30 June 2022 $ 293,357 $ 27,528 $ - $ Additions Foreign exchange differences Disposals Amortisation expense 72,481 - - - - 847 - (14,508) 253,343 - - - Balance at 30 June 2023 $ 365,838 $ 13,867 $ 253,343 $ Accounting policy for capitalised development costs Development costs on an individual project are recognised as an intangible asset when the Group can demonstrate: Its intention to complete and its ability and intention to use or sell the asset. • The technical feasibility of completing the intangible asset so that the asset will be available for use or sale. • • How the asset will generate future economic benefits. • The availability of resources to complete the asset. CardieX Limited 36 - 4,983 - (15,676) 320,885 325,824 847 - (14,508) 633,048 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 13. INTANGIBLE ASSETS (CONTINUED) The costs that are eligible for capitalisation of development costs are the following: • Engineers’ compensation for time directly attributable to developing the project. • An allocated amount of direct costs, such as overhead related to the project and the facilities they occupy. • Costs associated with testing of the product for market. • Patents acquisition and registration costs (patents, application fees, and legal fees). • Other direct developing costs that are incurred to bring the product to market. Following initial recognition of the development expenditure as an asset, the asset is carried at cost less any accumulated amortisation and accumulated impairment losses. Amortisation of the asset begins when development is complete, and the asset is available for use. Development costs are amortised on a straight-line basis over the period of expected future sales from the related project which is 5 years. Amortisation is recorded in profit or loss. Critical accounting judgements, estimates and assumptions Capitalised development costs The Group capitalises development costs for a project in accordance with the above accounting policy. Initial capitalisation of cost is based on management’s judgement that technological and economic feasibility is confirmed. In determining the amounts to be capitalised, management makes assumptions regarding the expected future cash generation of the project, discount rates to be applied and the expected period of the benefits. Impairment of intangible assets The Group assesses impairment of intangible assets other than goodwill at each reporting date by evaluating conditions specific to the Group and to the particular asset that may lead to impairment. If an impairment trigger exists, the recoverable amount of the asset is determined. This involves fair value less costs of disposal or value-in-use calculations, which incorporate several key estimates and assumptions. NOTE 14. FINANCIAL ASSETS Financial assets consisted of the following: Current 30 Jun 2023 30 Jun 2022 inHealth Medical Services convertible note (a) $ 5,558,069 $ Derivative financial asset (b) Non-current inHealth Medical Services investment (a) inHealth Medical Services convertible note (a) Total financial assets 234,317 5,792,386 510,167 - - - 648,461 5,431,848 $ $ 510,167 $ 6,080,309 6,302,553 $ 6,080,309 (a) inHealth Medical Services investment & convertible note • On 31 January 2019, the Company exercised in full its option under the agreement to purchase US$3,000,000 of inHealth Medical Services “Tranche 2” (T2) Convertible Note (the “inHealth Note”) securities. • Both the debt and derivative components of the inHealth Note are measured as a single instrument at FVTPL as there is an embedded conversion feature. It is measured at FVTPL as a single instrument to significantly reduce any measurement or recognition inconsistencies that would arise from other methods. • By 31 December 2019, the Company had paid the full US$3,000,000 to inHealth under the Agreement for the • • • T2 Notes. In July 2020, the Company and inHealth had signed an agreement to restructure the partnership. Key changes were reducing the outstanding convertible note to US$2,500,000 by repayment of US$500,000, extending the maturity date to 1 July 2021, and exchanging the option to move to 50.5% for the issuance of 1% of the fully diluted equity of inHealth. In July 2021 it was agreed to further extend the maturity date of the convertible note to 31 December 2021, and further agreed between the parties to forgive accrued interest up until 30 June 2020 totalling A$338,373 in return for a further 1% of fully diluted equity of inHealth to CardieX. In March 2022, the inHealth Note was extended a further term to November 2023, incorporating all interest for the period 1 July 2021 to 28 February 2022 to the principal value of the inHealth Note totalling US$2,875,317. CardieX Limited 37 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 14. FINANCIAL ASSETS (CONTINUED) • As at 30 June 2023, the face value of the inHealth Note was US$2,875,317 and US$229,710 in interest had accrued. • As at 30 June 2023, the total convertible note asset was fair valued by an external expert at US$3.69m (30 June 2022: US$3.74m). • As at 30 June 2023, the Company holds 7.64% equity in inHealth Medical Services, Inc, currently valued at A$510k (US$338k), based on an equity value of US$4.4m. • The CardieX Board continues to closely monitor its investment, is in regular communication with inHealth, and is current considering available options as the current amendment of the Note nears maturity towards the end of the 2023 calendar year. (b) Convertible notes issued • In June 2023, the Company established a Converting Note Facility, of which by 30 June 2023 $1,500,000 had been received in Convertible Note subscriptions. • These Converting Subscriptions are convertible at the discretion of the Company and is a put option of the Company that gives rise to a derivative financial asset. NOTE 15. TRADE AND OTHER PAYABLES Trade and other payables consisted of the following: Trade payables Other payables 30 Jun 2023 30 Jun 2022 $ $ 6,592,028 $ 867,701 7,459,729 $ 1,940,158 284,473 2,224,631 Accounting policy for trade and other payables These amounts represent liabilities for goods and services provided to the Group prior to the end of the fiscal year and which are unpaid. Due to their short-term nature they are measured at amortised cost and are not discounted. The amounts are unsecured and are usually paid within 30 days of recognition. NOTE 16. UNEARNED REVENUE Unearned revenue consisted of the following: Unearned revenue Accounting policy for unearned revenue 30 June 2023 30 June 2022 $ $ 3,041,633 $ 3,041,633 $ 877,312 877,312 The above unearned revenue relates to contracts where payments have been received, but revenue has not yet been recognised due to the fact revenue recognition criteria under AASB 15 has not yet been met as goods and services have not yet been provided to the customers. NOTE 17. PROVISIONS Provisions consisted of the following: Current Employee benefits Non-current Employee benefits Total provisions CardieX Limited 30 Jun 2023 30 Jun 2022 $ $ $ 488,774 $ 488,774 6,158 6,158 $ 526,538 526,538 1,824 1,824 494,932 $ 528,362 38 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 17. PROVISIONS (CONTINUED) Accounting policy for employee benefits Short-term employee benefits are benefits, other than termination benefits, that are expected to be settled wholly within 12 months after the end of the period in which the employees render the related service. Examples of such benefits include wages and salaries, non-monetary benefits and accumulating sick leave. Short-term employee benefits are measured at the undiscounted amounts expected to be paid when the liabilities are settled. The Group’s liabilities for annual leave and long service leave are included in other long-term benefits as they are not expected to be settled wholly within 12 months after the end of the period in which the employees render the related service. They are measured at the present value of the expected future payments to be made to employees. The expected future payments incorporate anticipated future wage and salary levels, experience of employee departures and periods of service, and are discounted at rates determined by reference to market yields at the end of the reporting period on high quality corporate bonds that have maturity dates that approximate the timing of the estimated future cash outflows. Any re- measurements arising from experience adjustments and changes in assumptions are recognised in profit or loss in the periods in which the changes occur. The Group presents employee benefit obligations as current liabilities in the statement of financial position if the Group does not have an unconditional right to defer settlement for at least 12 months after the reporting period, irrespective of when the actual settlement is expected to take place. NOTE 18. FINANCIAL LIABILITIES Financial liabilities consisted of the following: Convertible note liabilities Host contract debt liability Derivative financial liability 30 Jun 2023 30 Jun 2022 $ $ $ 1,680,008 $ 495,786 $ 2,175,794 $ 66,778 - 66,778 In June 2023, the Company established a Convertible Note Facility, of which by 30 June 2023 $1,500,000 had been received in Convertible Note subscriptions and $675,000 received in Converting Note subscriptions. Key terms of the Convertible Note Facility are: • 10% interest rate paid quarterly. • Conversion (subject to shareholder approval): o Convertible Notes convert at the holder’s option. o Converting Notes convert at the Company’s option, at the next capital raising (Australia or another jurisdiction) of A$5,000,000 or more. • Conversion Pricing: o The higher of the Floor Price (being the lower of $0.30 and the price of any capital raising prior to conversion); and • Option coverage (subject to shareholder approval): o A 20% discount to the 20-day VWAP at conversion. o Convertible Notes: 1 option (exercise price of $0.45) for every $2 invested. o Converting Notes: 2 options (exercise price of $0.45) for every $1 invested. • Maturity date: o Convertible Notes: 15 July 2024 (unless the holder elects to extend maturity on the same terms as the Converting Notes. o Converting Notes: 15 July 2025.The holder may also elect to redeem these Notes at any time after 15 January 2025. The Convertible Note and Converting Note subscriptions have been classed as current liabilities as the Group expects a capital raising to be completed within the next 12 months that will meet the conversion terms as listed above. Accounting policy for convertible notes For the Convertible Notes, the conversion feature results in the conversion of a fixed amount of stated principal into a variable number of shares, as such it fails the ‘fixed for fixed’ criterion and, therefore, classified as financial liability. The value of the liability component and the derivative financial liability were determined at the date the instrument was issued. CardieX Limited 39 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 18. FINANCIAL LIABILITIES (CONTNIUED) The fair value of the derivative financial liability at inception was calculated using a variation of the binomial option pricing model that takes into account factors specific to the convertible note agreements. As the derivative is recognised at fair value through profit or loss, a revaluation occurs at a modification date or at a reporting date. The fair value of the host debt component at inception was calculated as the residual value after deducting the value of the derivative financial liability and costs from the face value of the convertible notes. They are subsequently measured at amortised cost using the effective interest method. NOTE 19. LEASE LIABILITIES Lease liabilities consisted of the following: Current Non-current 30 Jun 2023 30 Jun 2022 $ $ 168,951 $ 483,096 652,047 $ 122,871 649,092 771,963 Net present value of lease liabilities: Lease payments Finance charges Less than 6 months 6 to 12 months Between 1 and 5 years Total $ $ 116,447 $ 123,742 $ 585,158 $ (38,032) (33,206) (102,062) 78,415 $ 90,536 $ 483,096 $ 825,347 (173,300) 652,047 Accounting policy for lease liabilities Where a lease is identified at inception, the Group recognises a right-of-use asset and a lease liability at the lease commencement date. The right-of-use asset is initially measured at cost, which comprises the ignition amount of the lease liability adjusted for any lease payments made at or before the commencement date, plus any initial direct costs incurred and an estimate of costs to dismantle and remove the underlying asset or to restore the underlying asset or the site on which it is location, less any leased incentives received. The Group assesses whether a contract is or contains a lease, at inception of the contract. The Group recognises a right-of- use asset and a corresponding lease liability with respect to all lease arrangements in which it is the lessee, except for short- term leases (defined at leases with a lease term of 12 months or less) and leases of low value assets. For these leases, the Group recognises the lease payments as an operating expense on a straight-line basis over the term of the lease unless another systematic basis is more representative of the time pattern in which economic benefits from the leased assets are consumed. NOTE 20. BORROWINGS Borrowings includes the following liabilities carried at amortised cost: R&D loan facility Working capital loan facility R&D Loan facility 30 Jun 2023 30 Jun 2022 $ $ 580,959 $ 1,297,505 880,000 - 1,460,959 $ 1,297,505 On 24 March 2022, the Company entered into a new term loan facility of $1,294,125, secured against future R&D refunds to be received by the Company and its wholly owned subsidiary AtCor Medical Pty Ltd. The facility is a prepayment of forecasted R&D tax incentive claim for the year ended 30 June 2022, and an initial termination date of 31 October 2022, since extended to 31 December 2023. Currently the facility attracts interest at 1.33% per calendar month (16%pa). A general security is held over the Company. $724,923 was repaid in April 2023 from the 2022 R&D refund, and the balance of the facility can be: CardieX Limited 40 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 20. BORROWINGS (CONTINUED) • • Paid out in cash with no interest or fees payable under the current facility terms following the month end of the FY2023 R&D payout; or Secured against the Company’s FY2023 R&D refund and paid on or before the end of the extended facility term, which has been extended to 31 March 2024. Working capital loan facility In December 2022, wholly owned subsidiary Atcor Medical Pty Ltd entered into a short-term working capital loan facility for up to $880,000, to support product and development expansion initiatives. The facility attracts an interest rate of 1.33% per calendar month (16%p.a). The expiry of the facility was initially 30 October 2023, and subsequently extended to 31 October 2024. A general security is held over the Company. As at 30 June 2023 the facility was fully drawn, with $80,000 withheld for prepaid interest and establishment fees. Accounting policy for borrowings Loans and borrowings are initially recognised at the fair value of the consideration received, net of transaction costs. They are subsequently measured at amortised cost using the effective interest method. NOTE 21. CONTRIBUTED EQUITY Contributed equity consisted of the following: Ordinary shares Issued capital 30 Jun 2023 30 Jun 2022 Shares (No) 143,465,521 $ $ 76,615,802 Shares (No) 110,003,700 $ 143,465,521 $ 76,615,802 110,003,700 $ $ 67,552,468 67,552,468 Ordinary shares are classified as equity. Incremental costs directly attributable to the issue of new shares, warrants or options are shown in equity as a deduction, net of tax, from the proceeds. Movements in ordinary shares: Balance as at 1 July 2021 Shares issued on exercise of options (Note 23a) Shares issued on vesting of performance rights (Note 23b) Shares issued on conversion of convertible notes Shares issued in lieu of payments to employees Share consolidation (a) Shares issued in lieu of payments to employees post share consolidation Cost of raising capital Balance as at 30 June 2022 Ordinary shares issued on equity capital raise Ordinary shares issued as a result of a share purchase plan Shares issued in lieu of payments to suppliers Shares issued in lieu of payments to employees Cost of raising capital Balance as at 30 June 2023 (a) Share consolidation Shares (No) $ 926,038,155 152,048,619 12,000,000 7,831,467 1,614,480 (989,579,021) 50,000 - 110,003,700 27,734,710 5,310,061 299,052 117,998 - 143,465,521 59,286,666 7,602,431 422,557 270,663 103,465 - 15,500 (148,814) 67,552,468 8,320,412 1,593,000 89,715 35,000 (974,793) 76,615,802 On 16 February 2022, there was a share consolidation of the issued capital of the Company on the basis of one (1) security for every ten (10) securities held. Where the consolidation resulted in a fraction of a Share, Performance Right or Option being held, the Company rounded that fraction up to the next whole number. The prior year number of shares has been adjusted for the share consolidation to ensure the numbers are comparable. CardieX Limited 41 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 21. CONTRIBUTED EQUITY (CONTINUED) Terms and conditions of contributed equity Ordinary shares participate in dividends and the proceeds on winding up of the Company in proportion to the number of shares held. At the shareholders meetings each ordinary share is entitled to one vote when a poll is called, otherwise each shareholder has one vote on a show of hands. Accounting policy for ordinary shares Ordinary shares are classified as equity. Incremental costs directly attributable to the issue of new shares or options are shown in equity as a deduction, net of tax, from the proceeds. NOTE 22. CAPITAL AND FINANCIAL RISK MANAGEMENT Capital management Capital managed by the Board comprises contributed equity totaling $76.8 million (2022: $67.6 million). When managing capital, management’s objective is to ensure the entity continues as a going concern as well as to maintain optimal returns to shareholders and benefits for other stakeholders. Management also aims to maintain a capital structure that ensures the lowest cost of capital available to the entity. Managed capital is disclosed on the face of the statement of financial position and comprises contributed equity and reserves. Management may adjust the capital structure to take advantage of favorable costs of capital or higher returns on assets. As the market is constantly changing, management may issue new shares or sell assets to raise cash, change the amount of dividends to be paid to shareholders (if at all) or return capital to shareholders. During the fiscal period ending 30 June 2023 management did not pay a dividend and does not expect to pay a dividend in the foreseeable future. The Group encourages employees to be shareholders through the CardieX Employee Share Option Plan (ESOP). There were no changes in the Group’s approach to capital management during the year. Risk management policies and procedures are established with regular monitoring and reporting. Neither the Company nor its subsidiaries are subject to externally imposed capital requirements. Financial risk management The Group's activities expose it to a variety of financial risks: market risk (primarily currency risk), credit risk, and liquidity risk. The Group's overall risk management program focuses on the unpredictability of financial markets and seeks to minimise potential adverse effects on the financial performance of the Group. The Group uses different methods to measure different types of risk to which it is exposed. These methods include sensitivity analysis in the case of foreign exchange risk and aging analysis for credit risk. Financial risk management is carried out by the Chief Financial Officer (CFO) and overseen by the Audit & Risk Committee, a subcommittee of the Board of Directors. (a) Market risk Foreign exchange risk Foreign exchange risk arises when future commercial transactions and recognised assets and liabilities are denominated in a currency that is not the entity’s functional currency, which is Australian Dollars. The risk is measured using sensitivity analysis and cash flow forecasting. The Group operates internationally and is exposed to foreign exchange risk arising from currency exposures to the US Dollar and the Euro. The Group’s exposure to foreign currency exchange risk at the reporting date was at follows: 30 June 2023 30 June 2022 In USD 25,816 1,388,969 (3,404,735) In EUR 55,184 44,610 (9,038) In USD 383,109 405,817 (710,333) In EUR 251,694 56,659 (4,872) Cash and Cash Equivalents Trade Receivables Trade Payables Sensitivity Based on the financial instruments held at 30 June 2023, had the Australian dollar weakened/strengthened by 10% against the US dollar with all other variables held constant, the Group’s pre-tax result for the year would have varied by $300,143/($272,858) (2022: $10,371/($11,408)). Had the Australian dollar weakened/strengthened by 10% against the Euro with all other variables held constant, the Group’s pre-tax result for the year would have varied by $(22,407)/$5,946) (2022: $41,872/($46,059)). CardieX Limited 42 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 22. CAPITAL AND FINANCIAL RISK MANAGEMENT (CONTINUED) (b) Credit risk Credit risk arises from cash and cash equivalents, derivative financial instruments and deposits with banks and financial institutions, as well as credit exposure to customers, including outstanding receivables and committed transactions. The Group has no significant concentrations of credit risk. For banks and financial institutions, only independently rated and reputable parties are accepted. The Group has policies in place to ensure that sales of products and services are made to customers with an appropriate credit history. Terms of trade provided to creditworthy customers are between 30 and 90 days, whilst customers deemed higher risk arrange a letter of credit or prepay for goods. The maximum exposure to credit risk at the reporting date is the carrying amount of the financial assets. Refer to Note 9 for additional information in relation to the expected credit loss (ECL) from trade receivables. (c) Liquidity risk Prudent liquidity risk management implies maintaining sufficient cash and marketable securities, the availability of funding through an adequate amount of committed credit facilities and the ability to close out market positions. The Group manages liquidity risk by continuously monitoring forecast and actual cash flows and matching the maturity profiles of financial assets and liabilities. The Group does not have any significant long-term borrowings other than lease liabilities (Note 19). (d) Interest rate risk The consolidated entity's main interest rate risk arises from long-term borrowings. Borrowings obtained at variable rates expose the consolidated entity to interest rate risk. Borrowings obtained at fixed rates expose the consolidated entity to fair value risk. (e) Fair value estimation The fair value of financial assets and financial liabilities must be estimated for recognition and measurement or for disclosure purposes. The carrying value less impairment provision of trade receivables and payables are assumed to approximate their fair values due to their short-term nature. The fair value of financial liabilities approximates their carrying values. NOTE 23. RESERVES Reserves consisted of the following: Share-based payments reserve Foreign currency translation reserve 30 Jun 2023 30 Jun 2022 $ $ 5,871,719 $ 517,587 6,389,306 $ 3,289,140 636,282 3,925,422 Share-based payments reserve The share based-payments reserve records the fair value of options and performance rights on issue. Foreign currency reserve The reserve is used to recognise exchange differences arising from the translation of the financial statements of foreign operations to Australian dollars. It is also used to recognise gains and losses on hedges of the net investments in foreign operations. Derivative reserve The derivative reserve records the issue date value of the derivative financial instruments recognised in equity. CardieX Limited 43 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 23. RESERVES (CONTINUED) Movements in reserves were as follows: Share-based payments reserve Foreign currency translation reserve Derivative reserve Total $ $ $ $ Balance at 1 July 2021 Performance rights vesting expense 23(b) 23(a) 23(a) 23(b) 23(b) Options vesting expense Performance rights converted Performance rights expired Transfer to retained earnings Conversion of convertible notes Other comprehensive loss Balance at 30 June 2022 Performance rights vesting expense 23(b) Options vesting expense Options issuable for convertible notes Options issued to brokers Other comprehensive loss Balance at 30 June 2023 23(a) 23(a) 23(a) 2,393,784 1,432,148 494,388 (422,557) (573,032) (35,591) - - 3,289,140 1,666,546 670,140 75,996 169,897 - 5,871,719 656,529 35,719 - - - - - - (20,247) 636,282 - - (118,695) 517,587 - - - - - (35,719) - - - - - - 3,086,032 1,432,148 494,388 (422,557) (573,032) (35,591) (35,719) (20,247) 3,925,422 1,666,546 670,140 75,996 169,897 (118,695) 6,389,306 Share-based payments reserve (a) Options issued as share based payments Options on issue At the beginning of reporting period Expired and lapsed options (pre share consolidation) Options converted to shares (pre share consolidation) Share consolidation Free attaching options (1 for 3) as attaching to placement Free attaching options (1 for 2) as attaching to placement Options issued to brokers and consultants Options issued to Directors Options issue to employees Options issuable for convertible notes Options vesting expense Closing balance at reporting date CardieX Limited 30 Jun 2023 No of Options 6,580,000 $ 1,294,880 30 Jun 2022 No of Options $ 213,555,201 800,492 - - - - - 438,884 - - 75,996 401,153 2,210,913 (11,123,249) (152,048,619) (45,103,333) - - - - 1,300,000 - 6,580,000 - - - - - - - - 494,388 1,294,880 - - 4,811,122 6,740,689 2,909,688 1,000,000 2,825,000 - 24,866,499 44 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 23. RESERVES (CONTINUED) Employee Share Option Plan (ESOP) The CardieX Employee Option Plan was approved by shareholders at the 2005 annual general meeting and amendments were approved at the 2006 & 2008 annual general meetings. All staff are eligible to participate in the plan at the discretion of the directors (including executive directors) following recommendations from the remuneration committee, a sub- committee of the CardieX Limited Board of Directors. Options are granted under the plan for no consideration. Options are granted for a 5-year period, with vesting conditions over 3 years from the date of grant. Options granted under the plan carry no dividend or voting rights. When exercisable, each option is convertible into 1 ordinary share. The exercise price of options is no less than the weighted average price at which the Company’s shares are traded on the Australian Stock Exchange during the 5 trading days immediately before the options are granted. Set out below are summaries of options granted under the employee share option plan. All figures are post share consolidation: 2023: Grant Date Expiry date Exercise price Balance at start of the year Granted during the year Exercised during the year Expired/ Forfeited during the year Balance at end of the year Exercisable at end of the year Number Number Number Number Number Number 15-Jan-24 15-Jan-19 26-Feb-24 26-Feb-19 15-Feb-26 15-Feb-21 15-Feb-26 15-Feb-21 11-Jun-26 11-Jun-21 30-Jun-22 30-Jun-27 16-Dec-22 16-Dec-27 30-Jun-23 30-Jun-28 Total $0.50 $0.50 $0.80 $0.50 $0.80 $0.80 $0.50 $0.50 Weighted average exercise price ($) 1,530,000 300,000 2,925,000 400,000 125,000 1,300,000 - - - - - - - - 1,000,000 1,825,000 6,580,000 0.70 2,825,000 0.50 - - - - - - - - - - - - - - - - - - - - 1,530,000 300,000 2,925,000 400,000 125,000 1,300,000 1,000,000 1,825,000 9,405,000 0.64 1,530,000 300,000 2,193,750 300,000 83,333 533,333 166,667 179,167 5,286,250 0.66 2022: Grant Date Expiry date Exercise price Balance at start of the year Granted during the year Exercised during the year Number Number Number Expired/ Forfeited during the year Number Balance at end of the year Exercisable at end of the year Number Number 15-Jan-19 26-Feb-19 15-Feb-21 15-Feb-21 11-Jun-21 30-Jun-22 Total 15-Jan-24 26-Feb-24 15-Feb-26 15-Feb-26 11-Jun-26 30-Jun-27 $0.50 $0.50 $0.80 $0.50 $0.80 $0.80 1,530,000 300,000 2,925,000 400,000 125,000 - - - - - - 1,300,000 5,280,000 1,300,000 Weighted average exercise price ($) 0.67 0.80 - - - - - - - - - - - - - - - - 1,530,000 300,000 2,925,000 400,000 125,000 1,300,000 6,580,000 0.70 1,530,000 300,000 1,218,750 166,667 41,667 100,000 3,357,084 0.68 The fair value at grant date is determined using a Black-Scholes option pricing model that considers the exercise price, the term of the option, the impact of dilution, the share price at grant date and expected price volatility of the underlying share, the expected dividend yield and the risk-free interest rate for the term of the option. CardieX Limited 45 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 23. RESERVES (CONTINUED) The model inputs for options granted during the year ended 30 June 2023 included: Grant Date 16 December 2022 30 June 2023 Number issued 1,000,000 1,825,000 Exercise price $0.50 $0.50 Term 5 years 5 years Share price at grant date $0.31 $0.16 Share price volatility 77% 75% Expected dividend yield 0.00% 0.00% Risk-free interest rate 3.42% 3.79% The model inputs for options granted during the year ended 30 June 2022 included: Grant Date 30 June 2022 30 June 2022 Number issued 300,000 1,300,000 Exercise price $0.80 $0.80 Term 5 years 5 years Share price at grant date $0.31 $0.31 Share price volatility 98% 98% Expected dividend yield 0.00% 0.00% Risk-free interest rate 3.50% 3.50% The expected price volatility is based on the historic volatility (based on the remaining life of the options), adjusted for any expected changes to future volatility due to publicly available information. (b) Performance rights Performance rights on issue At the beginning of reporting period Issued under Performance Rights Plan Rights converted during the year Rights expired during the year Rights vesting expense during the year Transfer to retained earnings Share consolidation Closing balance at reporting date 30 Jun 2023 30 Jun 2022 No of Rights 16,050,000 6,750,000 - - - - - 22,800,000 $ 1,994,260 - - - 1,666,546 - - 3,660,806 No of Rights 196,500,000 - (12,000,000) (24,000,000) - - (144,450,000) 16,050,000 $ 1,593,292 - (422,557) (573,032) 1,432,148 (35,591) - 1,994,260 Details of performance rights relating to Directors that were issued with shareholder approval on 11 December 2020 under the Company’s Performance Rights and Options Plan are as follows: Number of performance rights 1,100,000 1,100,000 2,450,000 5,700,000 5,700,000 Will vest if share price trades at or above: $0.12 $0.15 $0.20 $0.25 $0.50 Issue Date Expiry Date 11/12/2020 11/12/2020 11/12/2020 11/12/2020 11/12/2020 11/12/2023 11/12/2023 11/12/2023 11/12/2023 11/12/2023 • • • • the fair value of the Performance Rights is based upon the price of CDX at issue date and adjusted for the probability of their performance milestones being achieved. The value of the Performance Rights, together with the probability of milestones being achieved is assessed by the Directors at least annually. the Performance Rights will be issued for no consideration if they vest and are exercised, the resulting Shares will be fully paid ordinary shares in the capital of the Company issued on the same terms and conditions as the Company’s existing ordinary shares. no individual has yet received securities under this scheme; and no loans or other financial assistance have or will be made by the Company in connection with the issue of the relevant Performance Rights. CardieX Limited 46 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 23. RESERVES (CONTINUED) Details of performance rights relating to Directors that were issued with shareholder approval on 16 December 2022 under the Company’s Performance Rights and Options Plan are as follows: Number of performance rights 2,250,000 2,250,000 2,250,000 Vesting conditions Vest upon the Company successfully achieving a Secondary Listing on a US exchange Vest upon the Company achieving an audited $10 million in Revenue from third parties in any financial year prior to the expiry date Vest upon the Company achieving an audited $20 million in Revenue from third parties in any financial year prior to the expiry date Issue Date Expiry Date 16/12/2022 30/11/2027 16/12/2022 30/11/2027 16/12/2022 30/11/2027 (c) Expenses arising from share based payment transactions Total expenses arising from share based payment transactions recognised during the period as part of employee benefit expense were as follows: Rights issued under Option and Performance Rights Plan Options issued under Employee Share Option Plan Shares issued in lieu of payments to employees 30 Jun 2023 30 Jun 2022 1,666,546 $ 1,397,138 401,153 - 494,397 118,965 2,067,699 $ 2,010,500 $ $ Accounting policy for share-based payments Options issues have their fair value determined with reference to an approved valuation methodology, such as the Black- Scholes valuation method. On issue, the fair value of an option is taken to the profit or loss and other comprehensive income as equity settled compensation, with a corresponding credit to the options reserve. This is then disclosed as other comprehensive income in the Statement of Comprehensive Income to show other net profit position of the Group from a third party perspective. Shares have their value determined using the direct method of share price at date of issue multiplied by the number of shares issued. Critical Accounting Judgements. Estimates and Assumptions The Group measures the cost of equity-settled transactions with employees by reference to the fair value of the equity instruments at the date at which they are granted. The fair value is determined by using either the Binomial or Black-Scholes model taking into account the terms and conditions upon which the instruments were granted. The accounting estimates and assumptions relating to equity-settled share-based payments would have no impact on the carrying amounts of assets and liabilities within the next annual reporting period but may impact profit or loss and equity. NOTE 24. FAIR VALUE MEASUREMENT Fair value measurement hierarchy The following tables detail the Group’s assets and liabilities, measured or disclosed at fair using a three-level hierarchy, based on the lowest level of input that is significant to the entire fair value measurement, being: • • • Level 1: Quoted prices (unadjusted) in active markets for identical assets or liabilities that the entity can access at the measurement date; Level 2: Inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly; and Level 3: Unobservable inputs for the asset or liability. Considerable judgement is required to determine what is significant to fair value and therefore which category the asset or liability is placed in can be subjective. CardieX Limited 47 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 24. FAIR VALUE MEASUREMENT (CONTINUED) 2023 Assets Convertible notes Derivative financial assets Shares at FVTPL Total Assets Liabilities Convertible notes Total Liabilities 2022 Assets Convertible notes Shares at FVTPL Total Assets Liabilities Convertible notes Total Liabilities Level 1 $ Level 2 $ Level 3 $ Total $ - - - - - - - - - - 5,558,069 234,317 510,167 6,302,553 2,175,794 2,175,794 5,558,069 234,317 510,167 6,302,553 2,175,794 2,175,794 Level 1 $ Level 2 $ Level 3 $ Total $ - - - - - - - - - - 5,431,848 648,461 6,080,309 5,431,848 648,461 6,080,309 66,778 66,778 66,778 66,778 There were no transfers between levels during the financial year. The carrying amounts of trade and other receivables are assumed to approximate their fair value due to their short-term nature. The fair value of financial liabilities is estimated by discounting the remaining contractual maturities are the current market interest rate that is available for similar financial liabilities. The following valuation techniques are used for instruments categorised in Level 3: • Convertible notes (Level 3) – The Group’s holding of convertible notes issued by Blumio and inHealth are classified as loans held at FVTPL. The Group obtained a third-party valuation of inHealth for the years ended 30 June 2022, and 30 June 2023, which used a Monte Carlo Simulation to value the assets. • Derivative financial assets (Level 3) – the embedded derivative of the Converting Subscriptions are valued as a put • option using the Binomial Method. Shares in inHealth (Level 3) – The fair value of this investment was also determined from the third party valuation that was obtained. Balance at 1 July 2021 Interest income Foreign exchange adjustment Fair value adjustment Balance at 30 June 2022 Interest income Foreign exchange adjustment Fair value adjustment Balance at 30 June 2023 Shares in inHealth $ 642,392 - - 6,069 648,461 - - (138,294) 510,167 inHealth convertible note $ 4,937,483 382,671 343,165 (231,471) 5,431,848 256,188 125,960 (255,927) 5,558,069 Blumio convertible note $ - 49,609 - (49,609) - - - - - Total $ 5,579,875 432,280 343,165 (275,011) 6,080,309 256,188 125,960 (394,221) 6,068,236 CardieX Limited 48 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 24. FAIR VALUE MEASUREMENT (CONTINUED) Critical estimates and judgements Fair value measurement hierarchy The consolidated entity is required to classify all assets and liabilities, measured at fair value, using a three level hierarchy, based on the lowest level of input that is significant to the entire fair value measurement, being: Level 1: Quoted prices (unadjusted) in active markets for identical assets or liabilities that the entity can access at the measurement date; Level 2: Inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly; and Level 3: Unobservable inputs for the asset or liability. Considerable judgement is required to determine what is significant to fair value and therefore which category the asset or liability is placed in can be subjective. The fair value of assets and liabilities classified as level 3 is determined by the use of valuation models. These include discounted cash flow analysis or the use of observable inputs that require significant adjustments based on unobservable inputs. NOTE 25. RELATED PARTY TRANSACTIONS Subsidiaries The consolidated financial statements include the financial statements of CardieX Limited. and the following subsidiaries: Name AtCor Medical Pty Limited AtCor Medical Inc CardieX (Shanghai) Medical Technology Co., Ltd. Conneqt Inc *Percentage of voting power is in proportion to ownership. Key Management Personnel Compensation Country of incorporation Beneficial interest (%)* 30 Jun 2023 30 Jun 2022 Australia USA China USA 100 100 100 100 100 100 100 100 2023 Niall Cairns Craig Cooper King Nelson Jarrod White Lesa Musatto Salary and directors fees Share Based Payment Benefits $ $ 300,000 772,175 74,247 92,800 - 706,996 706,996 41,405 259,310 36,212 Total $ 1,006,996 1,479,171 115,652 352,110 36,212 Total Compensation 1,239,222 1,750,919 2,990,141 2022 Niall Cairns Craig Cooper King Nelson Jarrod White Lesa Musatto (Appointed 26 April 2022)1 260,000 716,421 55,915 116,500 - 499,325 499,325 30,845 187,489 - 759,325 1,215,746 86,760 303,989 - Total Compensation 1,148,836 1,216,984 2,365,820 1. Lesa Musattp received no remuneration in FY2022 as her remuneration is payable in the form of options, which were subject to shareholder approval at the 2022 AGM held on 30 November 2022. CardieX Limited 49 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 25. RELATED PARTY TRANSACTIONS (CONTINUED) Shares held by key management personnel and their associates Niall Cairns Craig Cooper King Nelson Jarrod White Lesa Musatto Total Balance 01 July 2022 Additions Balance 30 June 2023 23,559,394 23,099,394 15,385 576,551 - 3,075,0001 3,025,0001 - 452,329 - 26,634,394 26,124,394 15,385 1,028,880 - 47,250,724 6,552,329 53,803,053 1A total of 3,025,000 acquired by Mr Cairns and Mr Cooper in the year are indirectly held by C2 Ventures, in which Mr Cairns and Mr Cooper are directors. These shares are subject to the Restriction Agreement and Deed of Undertaking as approved by members at the Extraordinary General Meeting held on 28 May 2018. Niall Cairns Craig Cooper King Nelson Jarrod White Lesa Musatto Total Balance 01 July 2021 Additions Share consolidation Balance 30 June 2022 181,842,010 177,242,010 153,846 4,857,577 - 53,751,9222 53,751,9222 - 907,933 - (212,034,538) (207,894,538) (138,461) (5,188,959) - 23,559,394 23,099,394 15,385 576,551 - 364,095,443 108,411,777 (425,256,496) 47,250,724 2A total of 47,751,922 pre consolidated shares acquired by Mr Cairns and Mr Cooper in the year are indirectly held by C2 Ventures, in which Mr Cairns and Mr Cooper are directors. These shares are subject to the Restriction Agreement and Deed of Undertaking as approved by members at the Extraordinary General Meeting held on 28 May 2018. Options held by key management personnel and their associates Niall Cairns Craig Cooper King Nelson Jarrod White Lesa Musatto Total Balance 01 July 2022 Expired Additions Balance 30 June 2023 150,000 150,000 150,000 150,000 - 600,000 - - - - - - 1,000,000 1,000,000 500,000 111,444 500,000 1,150,0003 1,150,0003 650,000 261,444 500,000 3,111,444 3,711,444 3Directors Mr. Cairns and Mr. Cooper hold 1,150,000 options indirectly through C2 Ventures Pty Limited, of which they are both directors. CardieX Limited 50 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 25. RELATED PARTY TRANSACTIONS (CONTINUED) Niall Cairns Craig Cooper King Nelson Jarrod White Lesa Musatto Total Balance 01 July 2021 Exercised Transferred Share consolidation Balance 30 June 2022 43,420,455 (39,920,455) 43,420,455 (39,920,455) (2,000,000) (2,000,000) 1,500,000 1,897,728 - - (397,728) - - - - (1,350,000) (1,350,000) (1,350,000) (1,350,000) - 90,238,638 (80,238,638) (4,000,000) (5,400,000) 150,0002 150,0002 150,000 150,000 - 600,000 2Directors Mr Cairns and Mr Cooper hold 150,000 options indirectly through C2 Ventures Pty Limited, of which they are both directors. Performance rights held by key management personnel and their associates On 11 December 2020 shareholders approved the issue of performance rights to be issued to the Directors under the Company’s Performance Rights and Option Plan. These performance rights total 16,050,000 and expire on 11 December 2023. The terms of the Director rights on issue are as follows: Tranche Tranche 1 Tranche 2 Tranche 3 Tranche 4 Tranche 5 Number of performance rights 1,100,000 1,100,000 2,450,000 5,700,000 5,700,000 Will vest if share price trade at or above: A$0.12 A$0.15 A$0.20 A$0.25 A$0.50 Expiry Date of Performance Milestone 11/12/2023 11/12/2023 11/12/2023 11/12/2023 11/12/2023 On 30 November 2022, shareholders approved the issue of performance rights to be issued to the Directors under the Company’s Performance Rights and Option Plan. These performance rights total 6,750,000 and expire on 30 November 2027. The terms of the Director rights on issue are as follows: Number of performance rights 2,250,000 2,250,000 2,250,000 Vesting conditions Vest upon the Company successfully achieving a Secondary Listing on a US exchange Vest upon the Company achieving an audited $10 million in Revenue from third parties in any financial year prior to the expiry date Vest upon the Company achieving an audited $20 million in Revenue from third parties in any financial year prior to the expiry date Issue Date Expiry Date 16/12/2022 30/11/2027 16/12/2022 30/11/2027 16/12/2022 30/11/2027 Additions Converted Expired Balance 01 July 2022 6,800,000 6,800,000 350,000 2,100,000 - 3,000,000 3,000,000 - 750,000 - 16,050,000 6,750,000 Niall Cairns Craig Cooper King Nelson Jarrod White Lesa Musatto Total - - - - - - Balance 30 June 2023 9,800,000 9,800,000 350,000 2,850,000 - 22,800,000 - - - - - - CardieX Limited 51 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 25. RELATED PARTY TRANSACTIONS (CONTINUED) Balance 01 July 2021 68,000,000 104,000,000 3,500,000 21,000,000 - Converted Expired Share consolidation - - (12,000,000) (24,000,000) - - - - - - (61,200,000) (61,200,000) (3,150,000) (18,900,000) - Balance 30 June 2022 6,800,000 6,800,000 350,000 2,100,000 - 196,500,000 (12,000,000) (24,000,000) (144,450,000) 16,050,000 Niall Cairns Craig Cooper King Nelson Jarrod White Lesa Musatto Total Employment Agreements Remuneration and other terms of employment for the CEO and the other key management personnel are formalised in employment agreements. Each of these agreements provide for the provision of performance related cash bonuses, other benefits including health insurance and car allowances, and participation, when eligible, in the CardieX Limited Employee Share Option Plan. Other major provisions of the agreements relating to remuneration are set out below. All contracts with executives may be terminated early by either party with variable notice periods, subject to termination payments as detailed below. Craig Cooper – Chief Executive Officer • Current agreement commenced on 1 September 2021. • Base salary of US$420,000 per annum. • Bonuses to be paid at discretion of the Group based on performance reviews. • Reimbursement for reasonable expenses incurred in running the US business, paid on a monthly basis. Niall Cairns – Executive Chairman and Director • Current agreement commenced with an effective date of 1 September 2021. • Monthly consulting fee for strategic review and consulting services of A$25,000 per month. • Reimbursement for reasonable expenses incurred. King Nelson – Non-Executive Director • Current agreement commenced with an effective date of 13 November 2015. • Base salary of US$50,000 per annum. Jarrod White – Director (resigned 26 September 2023) • Current agreement commenced with an effective date of 21 May 2020. • Base salary of A$35,000 per annum. • Jarrod White is the principal of Traverse Accountants Pty Ltd, who holds an engagement with the Group covering CFO services, Company Secretarial services, and other general accountancy services. • Mr White received Directors Fees of A$35,000 in shares for this reporting year in addition to the arms’ length services paid to Traverse Accountants Pty Ltd. Lesa Musatto – Non-Executive Director (resigned 18 October 2023) • Appointed on 26 April 2022 • During the year, Ms Musatto received 150,000 vested options in lieu of cash payment for services rendered. Loans to Directors and Key Management Personnel There were no loans made to directors or key management personnel of the Company and the Group during the period during the financial years ended 30 June 2023 and 2022 commencing at the beginning of the financial year and thereafter up to the date of this report. CardieX Limited 52 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 26. EVENTS AFTER THE REPORTING PERIOD Subsequent to the balance date the Group announced the following material events: • On 28 August 2023, CardieX held an Extraordinary General Meeting to approval multiple resolutions, including the following: (i) approval to issue a total of 3,000,000 Convertible Notes to investors, and a further 1,100,000 Convertible Notes to related parties. Each Note has a face value of A$1, with interest payable at 10% per annum payable quarterly in cash, and has a maturity date of 15 July 2025. 1,500,000 of the Notes require written approval from investors in order to obtain a conversion notice. (ii) approval to issue up to 3,750,000 Convertible Note Options to investors, and 2,200,200 Convertible Note Options to related parties. All Convertible Note Options are exercisable at A$0.45 and each expiring on 31 August 2026. (iii) approval to issue 138,000,000 new shares pursuant to a capital raising. • On 31 August 2023, CardieX announced that it had updated its Share Trading Policy. • On 12 September 2023, CardieX provided an update in relation to its Convertible Note Facility. 3,620,000 Notes, together with 4,990,000 Convertible Note Options had been issued to date, increasing the total amount raised to date of A$3.62m. • On 26 September 2023, CardieX announced that it its securities were placed into a voluntary trading halt, subject to the release of an announcement. • On 28 September 2023, it was announced that the securities of CardieX Limited were suspended from quotation immediately under Listing Rule 17.2, pending the release of an announcement regarding its capital raising and annual report for the year ended 30 June 2023. • On 28 September 2023, CardieX announced that it has withdrawn its registration statement of the Form F-1 registration statement (the “F1”) with the U.S. Securities and Exchange Commission (the “SEC”). At the time of withdrawal, CardieX had made multiple filings of the F1 and had cleared all comments from the SEC and Nasdaq. The withdrawal was required due to CardieX’s lead book-running manager for the offering, Roth Capital Partners, LLC, notifying the Group that it was unable to execute the underwriting agreement required to make the registration effective with the SEC. • On 28 September 2023, it was announced that Mr Jarrod White had tendered his resignation as Executive Director of the Company, effective 26 September 2023. • On 4 October 2023, CardieX released a Corporate and Operating Update, including the following: (i) September quarter 2023 sales update. (ii) The award of a $325,000 cash prize from the US National Institutes of Health’s (NIH) Rapid Acceleration of Diagnostics (RADx®). (iii) details in relation to the cancelled clinical trial contract with Clinichain, noting CardieX was enforcing its contractual rights and is currently in settlement discussions to coup all contractual payments outstanding of ~A$6.4m. • On 19 October 2023, CardieX announced that Ms Lesa Musatto had tendered her resignation as Independent Non- Executive Director of the Company, effective 18 October 2023. • On 30 October 2023, CardieX announced its Annual General Meeting will be held at 9.30am AEDT on Thursday, 30 November 30 2023. • On 3 November 2023, CardieX entered into a funding agreement with, C2 Ventures Pty Ltd, a Company jointly owned by Directors Mr Niall Cairns and Mr Craig Cooper. The funding agreement provides that C2 Ventures will provide total capital of A$7,500,000, including a A$1.5m facility limit to be received during the December 2023 quarter, followed by a further A$6m facility limit to be provided during the 2024 calendar year. • On 7 November 2023, CardieX entered into a Promissory Note with Wilson Sonsini Goodrich & Rosati, Professional Corporation for a principal sum of US$1,500,000. This amount reflects the balance owing of US legal fees in relation to the US listing, post a credit received of US$731,950. The Promissory Note attracts an interest rate of 5.5% and is repayable on the earliest of: (i) 20 April 2025; (ii) the closing of debt financing or equity financing of CardieX after 1 January 2024, the gross proceeds of which equal or exceeds US$6,000,000; (iii) the closing of a change of control transaction; (iv) the Company becomes cash flow positive and is in a position to make payment of the outstanding invoices; (v) upon the occurrence of an event of default. • On 8 November 2023, CardieX entered into an agreement to extend the maturity date of its working capital facility with Mitchell Asset Management from 30 October 2023 to 31 October 2024, and also extend its R&D loan facility from 31 December 2023 to 31 March 2024. CardieX Limited 53 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 26. EVENTS AFTER THE REPORTING PERIOD (CONTINUED) No other significant subsequent event has arisen that significantly affects the operations of the Group. NOTE 27. OPERATING SEGMENTS In the 2023 financial year, the Group operated in one operating segment and has identified only one reportable segment being sales of cardiovascular devices and services to hospitals, clinics, research institutions and pharmaceutical companies. Note 2 contains detailed information in relation to the Consolidate Group’s product and services. Geographically, the Group prepares information based on the location of its customers, being: • Americas (includes global pharmaceutical trials business) • Europe (includes Middle East and Africa) • Asia Pacific (includes Asia & Australia/NZ) Geographical information: 2023 Sales to external customers Intersegment sales Total sales revenue Other income Total segment revenue/income Segment loss before income tax Income tax expense Loss for the year Segment assets Segment liabilities Inter- segment eliminations/ Americas Europe Asia Pacific unallocated Consolidated $ 3,495,752 - 3,495,752 189,443 3,685,195 $ 427,298 - 427,298 - 427,298 $ 681,234 4,306,337 4,987,571 1,222,441 6,210,012 $ - (4,306,337) (4,306,337) - (4,306,337) $ 4,604,284 - 4,604,284 1,411,884 6,016,168 (6,284,080) 328,563 (10,081,222) (2,850,197) 17,148,504 48,472,296 - - 81,746,388 66,635,502 (84,358,203) (99,822,704) (18,886,936) - (18,886,936) 14,536,689 15,285,094 Inter- segment eliminations/ 2022 Americas Europe Asia Pacific unallocated Consolidated Sales to external customers Intersegment sales Total sales revenue Other income Total segment revenue/income Segment loss before income tax Income tax expense Loss for the year Segment assets Segment liabilities $ 3,168,257 - 3,168,257 162 3,168,419 $ 472,029 - 472,029 - 472,029 $ $ 426,696 - 1,045,319 (1,045,319) 1,472,015 (1,045,319) 1,399,773 - (1,045,319) 2,871,788 (4,578,606) 191,648 (6,984,150) (438,526) 14,157,297 38,160,540 - - 71,135,687 57,918,055 (72,915,120) (90,312,044) $ 4,066,982 - 4,066,982 1,399,935 5,466,917 (11,809,634) - (11,809,634) 12,377,864 5,766,551 CardieX Limited 54 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 27. OPERATING SEGMENTS (CONTINUED) Inter-segment transfers Segment revenues, expenses and results include transfers between segments. The group transfer inventory and finished goods between its group companies. Such transfers are priced on an ''arm’s-length'' basis and are eliminated on consolidation. Segment revenue There was no significant concentration of revenue attributable to one customer in 2023 (2022: $NIL). Disaggregation of revenue 2023 Sale of goods Lease revenue Service revenue Freight revenue Royalty income Total sales revenue Other income Total revenue/income 2022 Sale of goods Lease revenue Service revenue Freight revenue Royalty income Total sales revenue Other income Total revenue/income Americas Europe Asia Pacific Consolidated $ 1,626,455 1,121,588 553,486 194,223 - 3,495,752 189,443 3,685,195 Americas $ 1,520,651 1,185,293 379,418 82,895 - 3,168,257 162 3,168,419 $ 416,594 - 1,615 9,089 - 427,298 - 427,298 Europe $ 457,599 - 7,219 7,211 - 472,029 - 472,029 $ 570,891 - 1,295 3,622 105,426 681,234 1,222,441 1,903,675 $ 2,613,940 1,121,588 556,396 206,934 105,426 4,604,284 1,411,884 6,016,168 Asia Pacific Consolidated $ 2,334,130 1,185,293 395,332 93,766 58,461 4,066,982 1,399,935 5,466,917 $ 355,880 - 8,695 3,660 58,461 426,696 1,399,773 1,826,469 NOTE 28. CONTINGENT LIABILITIES AND CONTINGENT ASSETS The Group has no other material contingent liabilities or contingent assets as at 30 June 2023 (30 June 2022: $Nil). NOTE 29. PARENT ENTITY INFORMATION Current assets Total assets Current liabilities Total liabilities Net Assets Contributed equity Reserves Accumulated losses Total shareholders’ equity Loss of the parent entity Total comprehensive loss of the parent entity CardieX Limited 55 30 Jun 2023 30 Jun 2022 40,726,341 $ 41,941,591 $ 12,663,848 13,820,675 $ 28,120,916 $ 1,355,562 35,691,871 1,836,433 12,308,260 23,383,611 83,073,092 $ 5,871,718 (60,823,894) 74,009,758 3,289,139 (53,915,286) 28,120,916 $ 23,383,611 (6,908,608) $ (6,908,608) $ (2,704,052) (2,704,052) $ $ $ $ $ $ $ $ NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2023 NOTE 29. PARENT ENTITY INFORMATION (CONTINUED) Guarantees entered into by the parent entity No guarantees have been entered into by the parent entity during FY2023 or FY2022. Commitments and contingent liabilities of the parent entity See Note 28 for details on contingent liabilities of the parent entity. CardieX Limited 56 DIRECTORS’ DECLARATION The Directors of the Company declare that: 1. the financial statements and notes, as set out on pages 20 to 56, are in accordance with the Corporations Act 2001 and: a. b. comply with Accounting Standards and the Corporations Regulations 2001; and give a true and fair view of the financial position as at 30 June 2023 and of the performance for the year ended on that date of the Consolidated Group. 2. 3. 4. 5. the Company has included in note 1 to the financial statements an explicit and unreserved statement of compliance with International Financial Reporting Standards; the Directors have been given the declaration required by Section 295A of the Corporations Act from the Chief Executive Officer for the financial year ended 30 June 2023; in the Director’s opinion there are reasonable grounds to believe that the Company will be able to pay its debts as and when they become due and payable; and the remuneration disclosures included on pages 14 to 18 of the Directors’ Report (as part of the Audited Remuneration Report) for the year ended 30 June 2023, comply with section 300A of the Corporations Act 2001. This declaration is made in accordance with a resolution of the Board of Directors. Niall Cairns Executive Chairman Sydney, 8 November 2023 CardieX Limited 57 Tel: +61 2 9251 4100 Fax: +61 2 9240 9821 www.bdo.com.au Level 11, 1 Margaret Street Sydney NSW 2000 Australia INDEPENDENT AUDITOR'S REPORT To the members of CardieX Limited Report on the Audit of the Financial Report Opinion We have audited the financial report of CardieX Limited (the Company) and its subsidiaries (the Group), which comprises the consolidated statement of financial position as at 30 June 2023, the consolidated statement of profit or loss and other comprehensive income, the consolidated statement of changes in equity and the consolidated statement of cash flows for the year then ended, and notes to the financial report, including a summary of significant accounting policies and the directors’ declaration. In our opinion the accompanying financial report of the Group, is in accordance with the Corporations Act 2001, including: (i) Giving a true and fair view of the Group’s financial position as at 30 June 2023 and of its financial performance for the year ended on that date; and (ii) Complying with Australian Accounting Standards and the Corporations Regulations 2001. Basis for opinion We conducted our audit in accordance with Australian Auditing Standards. Our responsibilities under those standards are further described in the Auditor’s responsibilities for the audit of the Financial Report section of our report. We are independent of the Group in accordance with the Corporations Act 2001 and the ethical requirements of the Accounting Professional and Ethical Standards Board’s APES 110 Code of Ethics for Professional Accountants (including Independence Standards) (the Code) that are relevant to our audit of the financial report in Australia. We have also fulfilled our other ethical responsibilities in accordance with the Code. We confirm that the independence declaration required by the Corporations Act 2001, which has been given to the directors of the Company, would be in the same terms if given to the directors as at the time of this auditor’s report. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion. BDO Audit Pty Ltd ABN 33 134 022 870 is a member of a national association of independent entities which are all members of BDO Australia Ltd ABN 77 050 110 275, an Australian company limited by guarantee. BDO Audit Pty Ltd and BDO Australia Ltd are members of BDO International Ltd, a UK company limited by guarantee, and form part of the international BDO network of independent member firms. Liability limited by a scheme approved under Professional Standards Legislation. Material uncertainty related to going concern We draw attention to Note 1 in the financial report which describes the events and conditions which give rise to the existence of a material uncertainty that may cast significant doubt about the group’s ability to continue as a going concern and therefore the group may be unable to realise its assets and discharge its liabilities in the normal course of business. Our opinion is not modified in respect of this matter. Key audit matters Key audit matters are those matters that, in our professional judgement, were of most significance in our audit of the financial report of the current period. These matters were addressed in the context of our audit of the financial report as a whole, and in forming our opinion thereon, and we do not provide a separate opinion on these matters. In addition to the matter described in the Material uncertainty related to going concern section, we have determined the matters described below to be the key audit matters to be communicated in our report. Carrying Value of Convertible Notes and Shares Key audit matter How the matter was addressed in our audit The Group carries investments in convertible notes and shares, classified at fair value through profit and loss, totalling $6,068,236 as at 30 June 2023 (30 June 2022: $6,080,309), as disclosed in Note 14 to the financial statements. The financial assets at fair value through profit and loss is a key audit matter due to:    The significance of the total balance; The complexities involved in determining the accounting treatment under Australian Accounting Standards; and The determination of the fair value of the convertible notes and shares involves significant judgement on the valuation methodology and the inputs and assumptions applied by management. We challenged management in respect of the appropriateness of the carrying value of the investments as financial assets at fair value through profit and loss. Our procedures included, amongst others:  Obtaining from management a schedule of investments in convertible notes and shares held by the Group and vouching these to supporting documentation;  Reviewing the accounting treatment applied to the investments with reference to reports from management’s external experts and assessing the key judgements applied;  Obtaining a copy of the external valuation report and in conjunction with internal experts, evaluating the appropriateness of the valuation methodology applied, including an assessment of the significant inputs applied by management in the valuation models; and  Reviewing managements' assessment of the movements in fair value of the convertible notes and shares, ensuring that all gains and losses have been treated and disclosed appropriately. Other information The directors are responsible for the other information. The other information comprises the information in the Group’s annual report for the year ended 30 June 2023, but does not include the financial report and the auditor’s report thereon. Our opinion on the financial report does not cover the other information and we do not express any form of assurance conclusion thereon. In connection with our audit of the financial report, our responsibility is to read the other information and, in doing so, consider whether the other information is materially inconsistent with the financial report or our knowledge obtained in the audit or otherwise appears to be materially misstated. If, based on the work we have performed, we conclude that there is a material misstatement of this other information, we are required to report that fact. We have nothing to report in this regard. Responsibilities of the directors for the Financial Report The directors of the Company are responsible for the preparation of the financial report that gives a true and fair view in accordance with Australian Accounting Standards and the Corporations Act 2001 and for such internal control as the directors determine is necessary to enable the preparation of the financial report that gives a true and fair view and is free from material misstatement, whether due to fraud or error. In preparing the financial report, the directors are responsible for assessing the ability of the group to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless the directors either intend to liquidate the Group or to cease operations, or has no realistic alternative but to do so. Auditor’s responsibilities for the audit of the Financial Report Our objectives are to obtain reasonable assurance about whether the financial report as a whole is free from material misstatement, whether due to fraud or error, and to issue an auditor’s report that includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee that an audit conducted in accordance with the Australian Auditing Standards will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of this financial report. A further description of our responsibilities for the audit of the financial report is located at the Auditing and Assurance Standards Board website at: https://www.auasb.gov.au/admin/file/content102/c3/ar1_2020.pdf This description forms part of our auditor’s report. Report on the Remuneration Report Opinion on the Remuneration Report We have audited the Remuneration Report included in pages 14 to 18 of the directors’ report for the year ended 30 June 2023. In our opinion, the Remuneration Report of CardieX Limited, for the year ended 30 June 2023, complies with section 300A of the Corporations Act 2001. Responsibilities The directors of the Company are responsible for the preparation and presentation of the Remuneration Report in accordance with section 300A of the Corporations Act 2001. Our responsibility is to express an opinion on the Remuneration Report, based on our audit conducted in accordance with Australian Auditing Standards. BDO Audit Pty Ltd Tim Aman Director Sydney, 8 November 2023 ADDITIONAL INFORMATION FOR PUBLIC LISTED COMPANIES Additional information required by the ASX Listing Rules and not disclosed elsewhere in this report is set out below. Distribution Schedule of Equity Securities as at 8 November 2023 Holding Ranges Holders Total Units % Issued Share Capital above 0 up to and including 1,000 above 1,000 up to and including 5,000 above 5,000 up to and including 10,000 above 10,000 up to and including 100,000 above 100,000 Totals 421 760 324 681 195 2,381 225,963 2,058,698 2,484,895 23,363,103 115,550,865 143,683,524 0.16% 1.43% 1.73% 16.26% 80.42% 100.00% There is a total of 143,683,524 fully paid ordinary shares on issue, all of which are listed on the ASX. Voting Rights At shareholder meetings each ordinary share is entitled to one vote when a poll is called, otherwise each shareholder has one vote on a show of hands. Unmarketable parcels There were 985 shareholders holding less than a marketable parcel totaling 1,415,854 shares as at 8 November 2023, which is less than a marketable parcel of shares in CardieX at $0.135 per share. Under the ASX Listing Rules, any shareholding values at less than $500 is considered to be un unmarketable parcel. Top 20 Holdings as at 8 November 2023 Holder Name C2 VENTURES PTY LIMITED MR DARRYL PATTERSON & MRS MARGARET STEWART PATTERSON MR JOHN CHARLES PLUMMER MR PAUL JOSEPH COZZI TOWNS CORPORATION PTY LTD CITICORP NOMINEES PTY LIMITED MR MICHAEL JOHN KEIL & MRS JOANNE LEE KEIL CB CO PTY LTD BNP PARIBAS NOMINEES PTY LTD AVGARD NOMINEES PTY LTD MICHAEL S YEP PTY LTD MR PAUL COZZI DIXSON TRUST PTY LTD PROF MICHAEL FRANCIS O'ROURKE HSBC CUSTODY NOMINEES (AUSTRALIA) LIMITED MR JON PHILIPPE WEBSTER DEWRANG INVESTMENTS PTY LTD PLAUCS PTY LTD KEIL INVESTMENTS PTY LTD TRAVERSE ACCOUNTANTS PTY LTD Total CardieX Limited 62 Balance at 28 Sep 2022 % 25,524,394 17.76% 9,401,242 4,000,000 3,997,000 3,014,522 2,977,222 2,188,000 1,547,000 1,309,011 1,260,000 1,237,775 1,200,000 1,166,668 1,156,733 1,132,480 1,100,000 1,071,109 1,050,000 1,043,667 1,028,880 6.54% 2.78% 2.78% 2.10% 2.07% 1.52% 1.08% 0.91% 0.88% 0.86% 0.84% 0.81% 0.81% 0.79% 0.77% 0.75% 0.73% 0.73% 0.72% 66,405,703 46.22% ADDITIONAL INFORMATION FOR PUBLIC LISTED COMPANIES Substantial Shareholders The names of substantial shareholders who have notified the Company in accordance with Section 671B of the Corporations Act 2001 are: Holder Name Number of Ordinary Fully Paid Shares Held % Held of Issued Ordinary Capital C2 VENTURES PTY LIMITED MR DARRYL PATTERSON & MRS MARGARET STEWART PATTERSON Restricted Securities 25,524,394 9,401,242 17.76% 6.54% The Company has no securities which are Restricted Securities as at 8 November 2023. Utilisation of Cash for Business objectives The Company confirm that it has used cash and cash equivalents held at the time of listing in a way consistent with stated business objectives. Company Secretary: Louisa Ho Registered Office and Principal Place of Business Suite 301, Level 3 55 Lime Street Sydney NSW 2000 Telephone: (02) 9874 8761 Email: info@CardieX.com Website: www.CardieX.com CardieX Limited 63

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