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Annual Report 2019

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Annual Report For the year ended 30 June 2019 Tweed Mall, Tweed Heads NSW Contents 04 Highlights 06 Message from the Chairman 07 CEO’s Message 09 Financial Report 10 Directors’ Report 19 Auditor’s Independence Declaration 20 Financial Statements 26 Notes to the Financial Statements 47 Directors’ Declaration 48 52 Corporate Governance 53 Securityholder Analysis 55 Corporate Directory Independent Auditor’s Report Financial Calendar December 2019 Estimated interim distribution announcement and securities trade ex-distribution February 2020 Interim results announcement March 2020 June 2020 August 2020 September 2020 Interim distribution payment Estimated final distribution announcement and securities trade ex-distribution Full-year results announcement Final distribution payment September 2020 Annual tax statements Responsible Entity Elanor Funds Management Limited (ABN 39 125 903 031). AFSL 398196. 3 Highlights Darwin WESTERN AUSTRALIA Perth NORTHERN TERRITORY SOUTH AUSTRALIA QUEENSLAND Brisbane NEW SOUTH WALES Sydney Canberra Adelaide VICTORIA Melbourne TAS Hobart Portfolio Value as at 30 June 2019 $334.5m > 5.3% Core Earnings for the financial year 2019 $12.2m > 12.9% Net Asset Value (per security) as at 30 June 2019 Distributions (per security) for the financial year 2019 $1.53 > 2% 8.98c > 12.9% Gearing as at 30 June 2019 38.8% > from 38.2% 4 Elanor Retail Property Fund | Annual Report 2019 Darwin WESTERN AUSTRALIA Perth NORTHERN TERRITORY SOUTH AUSTRALIA QUEENSLAND Elanor Retail Property Fund’s assets are located in metropolitan and prime regional locations across Australia Brisbane NEW SOUTH WALES Sydney Canberra Adelaide VICTORIA Melbourne Assets TAS Hobart Geographic Diversification 1 Key Tenants 2 TAS 6% QLD 22% Other Tenants 73% NSW 57% 1. By asset value 2. By base rent Woolworths 13% Coles 12% 8% BIG W 5% Target Supa IGA (3%) ALDI (1%) 5 Message from the Chairman On behalf of the Board, I am pleased to present Elanor Retail Property Fund’s Annual Report, including its Financial Statements for the year ended 30 June 2019. Elanor Retail Property Fund (ERF) is an externally managed real estate investment fund investing in Australian retail property, focusing on high investment quality neighbourhood and sub-regional shopping centres. The Fund’s objective is to provide investors with strong, stable and growing income returns and capital growth. It has been another successful year for the Fund, both in terms of achieving our financial objectives and executing the Fund’s strategy. The Fund has delivered Core Earnings of $12.2 million for the year and has distributed $11.6 million, or 8.98 cents per security. Achievements During the year, the value of the portfolio grew from $317.7 million to $334.5 million, an increase of 5.3%. The portfolio value, as at 30 June 2019, represents a weighted average capitalisation rate of 6.8%. The Fund has successfully negotiated the early surrender of Auburn Central’s BIG W lease to facilitate the transformation of the property into a Sydney metropolitan, dual supermarket, neighbourhood shopping centre. A Heads of Agreement has been executed with a non-discretionary retailer to anchor the new retail precinct. The Fund has completed a new 15-year lease with ALDI at Tweed Mall. ALDI commenced trading on 21 August 2019 which has facilitated the execution of the remix strategy at the northern precinct of the centre. The Fund has maintained its conservative capital structure. As at 30 June 2019, ERF’s gearing level was 38.8%, within the Fund’s stated target range of 30% to 40%. The weighted average cost of debt has been reduced to 3.91% and the average debt maturity was increased to 3.2 years. As at 30 June 2019, the Fund’s Net Tangible Assets per security was $1.53, reflecting the successful execution of operational and value- add initiatives across the portfolio. Outlook The Fund’s strategy will remain focussed on actively managing and growing earnings from its investment portfolio and acquiring additional high investment quality, value-add retail properties. With this focus, the Fund is strongly positioned to enhance value for securityholders. I wish to thank my fellow Board members, our executive leadership team and the Fund team led by Michael Baliva, for their hard work, dedication and enthusiasm. Finally, thank you to all Elanor Retail Property Fund securityholders for their continued support and confidence. Yours sincerely, Paul Bedbrook Chairman 6 Elanor Retail Property Fund Annual Report 2019 CEO’s Message I am pleased to present Elanor Retail Property Fund’s Annual Report for financial year ended 30 June 2019. We continued to deliver on the Fund’s strategy over the year. Core Earnings for the year ended 30 June 2019 were $12.2 million, or 9.46 cents per security. As a result of the ongoing execution of the repositioning and strategic initiatives across the portfolio, NTA per security increased to $1.53 as at 30 June 2019. We remain firmly of the view that the Fund is a low risk retail REIT with significant income and capital growth potential. Furthermore, we remain confident that the Fund will continue to deliver high risk- adjusted returns and significant growth in NTA per security. Strategy The Fund’s objective is to provide investors with strong and growing income returns, and capital growth. To achieve this objective, the Fund’s strategy is to: • • • Invest in non-discretionary focussed retail properties that provide quality earnings from rental income across a diversified retail tenant mix Implement leasing and other operational initiatives to grow the income and value of the retail properties Implement development and repositioning strategies within the Portfolio • Acquire additional high investment quality retail properties with a significant value-add potential • Optimise the capital structure of the Fund based on a conservative approach to gearing Strategy Review A strategic review of the Fund has been undertaken to identify transaction options and capital management alternatives aimed at reducing the prevailing gap between the NTA per security and the security’s trading price. In that regard, since February 2019, the following actions have been undertaken: • Evaluation of the potential realisation strategy for the Value-Add assets • Evaluation of the potential realisation strategy for the Core Assets, being the balance of the Fund’s assets, all of which are non-discretionary focussed retail properties with strong cashflows secured by long leases to anchor retailers • Evaluation of the potential realisation strategy for the Core Assets and the Value- Add assets to discrete sources of capital as a result of an integrated capital management transaction The strategic review has identified specific transaction options that are now being developed with a view to executing the preferred option in the short term. We look forward to updating securityholders in due course. The successful execution of the Fund’s strategy over the course of the year has delivered strong results for the Fund. 7 I wish to thank my fellow Board members, my executive leadership team and the Fund’s management team led by Michael Baliva for their dedication, enthusiasm and successful execution of the Fund’s strategy. Yours sincerely, Glenn Willis Managing Director and Chief Executive Officer CEO’s Message Key Results This has resulted in: • Core Earnings for the period of $12.2 million, or 9.46 cents per security • Distributions for the period of $11.6 million, or 8.98 cents per security, reflecting a payout ratio of 95% of Core Earnings • Net Tangible Assets per security of $1.53 as at 30 June 2019, reflecting a 22% increase since listing • Strong revaluation gains for Auburn Central and Tweed Mall • An increase in portfolio valuation to $334.5 million at 30 June 2019, reflecting a weighted average capitalisation rate of 6.8% • NTA per security increasing by 22% since listing from $1.25 to $1.53 • Portfolio occupancy remaining Investment Portfolio strong at 97.2% The Fund has delivered on its strategy to grow and enhance the value of the portfolio. In particular, our active asset management approach has grown both the income and the value of the portfolio during the period. Some of the key achievements included: • Execution of the Early Surrender Agreement of Auburn Central’s BIG W lease Capital Management The Fund is focussed on maintaining a conservative capital structure with a target gearing range of between 30% and 40%. At 30 June 2019, the Fund’s gearing was 38.8%. During the year ending 30 June 2020, we will continue to explore capital management opportunities to deliver value to securityholders. • Execution of a Heads of Outlook Agreement with a key non- discretionary, mini-major retailer to transform Auburn Central into a Sydney metropolitan, dual supermarket, neighbourhood shopping centre • Execution of an Agreement for Lease with ALDI at Tweed Mall, for a 15-year term with two five-year options (the ALDI store commenced trading on 21 August 2019) • Completion of a mixed-use master plan for Tweed Mall The Fund’s core strategy will remain focussed on actively managing the portfolio to grow Core Earnings and capital value. Furthermore, we will continue to focus on acquiring additional high investment quality, value-add, retail properties. The Fund’s properties present strong operational and strategic opportunities to further increase value. We continue to focus on executing initiatives to add value, consistent with our highly active approach to asset management. 8 Elanor Retail Property Fund | Annual Report 2019 Financial Report for the year ended 30 June 2019 10 Directors’ Report 19 Auditor’s Independence Declaration 20 Consolidated Statements of Profit or Loss 21 Consolidated Statements of Comprehensive Income 22 Consolidated Statements of Financial Position 23 Consolidated Statements of Changes in Equity 25 Consolidated Statements of Cash Flows 26 Notes to the Consolidated Financial Statements 47 Directors’ Declaration to Stapled Securityholders 48 Independent Auditor’s Report 9 ELANOR RETAIL PROPERTY FUND DIRECTORS’ REPORT Directors’ Report Directors’ Report The Directors of Elanor Funds Management Limited (Responsible Entity or Manager), as responsible entity of the Elanor Retail Property Fund I and Elanor Retail Property Fund II, present their report together with the consolidated financial report of Elanor Retail Property Fund (Group, Consolidated Group or Fund) and the consolidated financial report of the Elanor Retail Property Fund I Group (ERPF I Group) for the year ended 30 June 2019. The financial report of the Consolidated Group comprises Elanor Retail Property Fund II (ERPF II) and its controlled entities, including Elanor Retail Property Fund I (ERPF I) and its controlled entities. The financial report of the ERPF I Group comprises Elanor Retail Property Fund I and its controlled entities. The Responsible Entity is a company limited by shares, incorporated and domiciled in Australia. Its registered office and principal place of business is Level 38, 259 George Street, Sydney NSW 2000. ERPF I and ERPF II were registered as managed investments schemes on 13 October 2016. The units of ERPF I and the units of ERPF II are combined and issued as stapled securities in the Group. The Group's securities are traded on the Australian Securities Exchange (ASX: ERF), having listed on 9 November 2016. The units of each scheme cannot be traded separately and can only be traded as stapled securities. Although there is no ownership interest between ERPF I and ERPF II, ERPF II is deemed to be the parent entity of the Group in accordance with the Australian Accounting Standards. The Directors' report is a combined Directors' report that covers both schemes. The financial information for the Group is taken from the consolidated financial reports and notes. 1. Directors The following persons have held office as Directors of the Responsible Entity during the period and up to the date of this report: • Paul Bedbrook (Chair) • Glenn Willis (Managing Director and Chief Executive Officer) • Nigel Ampherlaw • William (Bill) Moss AO • Lim Kin Song (appointed 30 May 2019) 2. Principal activities The principal activities of the Fund are the investment in Australian retail properties, with the focus predominantly on quality, high yielding non-discretionary neighbourhood and sub-regional shopping centres. 3. Distributions Distributions relating to the year ended 30 June 2019 comprise: A provision for the Final Distribution has not been recognised in the financial statements for the period as the distribution had not been declared at the reporting date. 10 Elanor Retail Property Fund | Annual Report 2019 3 ELANOR RETAIL PROPERTY FUND DIRECTORS’ REPORT 4. Operating and financial review OVERVIEW AND STRATEGY The Fund is an externally managed real estate investment fund investing in Australian retail property, focusing on high investment quality neighbourhood and sub-regional shopping centres. The Fund’s objective is to provide investors with strong and growing income returns, and capital growth. To achieve this objective, the Fund’s strategy is to: • • Invest in non-discretionary focused retail properties that provide quality earnings from rental income across a diversified retail tenant mix; Implement leasing and other asset management initiatives to grow the income and value of the retail properties; • Acquire additional high investment quality retail properties with a significant component of non-discretionary retailers; • Implement development and repositioning strategies in the Portfolio; and • Optimise the capital structure of the Fund based on a conservative approach to gearing. During the year ended 30 June 2019, the Fund has undertaken the following activities: • • • • In June 2019, the Fund executed an early surrender of the BIG W lease at Auburn Central, including a $2 million surrender fee, of which a 10% non-refundable deposit was received and unconditionally released as at 30 June 2019. The balance of the surrender fee will be payable upon closure of the BIG W store in early 2020. The closure of BIG W is a positive catalyst for the transformation of Auburn Central into a Sydney metropolitan, dual supermarket, neighbourhood shopping centre. An independent valuation was obtained for the Auburn Central property as at 30 June 2019, following the BIG W surrender. This valuation increased the asset valuation by $18.1 million to $101.5 million at balance date. The centre repositioning project is forecast to be completed by late 2020 to further establish Auburn Central as a strongly performing retail investment focussed on non-discretionary goods and services, catering to the increasingly densifying trade area. The repositioning will also extend customer dwell time whilst improving the amenity of the centre. The Fund acquired a vacant building adjacent to the Auburn Central shopping centre for $2.5 million on 21 January 2019. This strategic initiative will significantly improve access to the secondary loading bays in the anticipation of the reposition of the DDS space. In addition, the building is expected to be repurposed and leased in the short to medium term. The Fund commenced landlord works for the introduction of Aldi to Tweed Mall during the period, which were completed on 31 May 2019. Following its fit-out, Aldi will open, and its new 15 year lease will commence, on 21 August 2019. The net operating income of Tweed Mall was impacted by tenant vacancies during capital works for the Aldi tenancy. The impact of this downtime for the 12 months to 30 June 2019 is approximately $0.7 million. The introduction of Aldi to Tweed Mall has resulted in the Fund securing new speciality retailers at the centre’s northern mall as part of the repositioning project. • A renewal for a 5-year lease term was signed with Target at Manning Mall in November 2018, providing security over future cash flows at the centre. • • The Fund refinanced debt facilities of $43.8 million for a new 5-year term, extending the weighted average debt maturity to 3.2 years, with the weighted average cost of debt maintained at 3.91% per annum. The Fund is currently negotiating with its bank in respect of a renewal of the $41.7 million facility, due to expire in May 2020. In December 2018, the Fund completed the disposal of the last non-core podium strata lot at Auburn Central. 4 11 ELANOR RETAIL PROPERTY FUND Directors' Report DIRECTORS’ REPORT 4. Operating and financial review (continued) INVESTMENT PORTFOLIO The following table shows the Group's investment portfolio as at balance date: Note 1: This includes the Ambulance Station ($2.5m) adjacent to the Auburn Central Shopping Centre and a revaluation increase of $18.1 million following the BIG W surrender and commencement of the repositioning strategy at the centre. FINANCIAL RESULTS The Group recorded a statutory profit of $20.0 million for the year ended 30 June 2019. Core Earnings for the year were $12.2 million or 9.46 cents per stapled security. Core Earnings is considered more relevant than statutory profit as it represents an estimate of the underlying recurring cash earnings of the Fund, and has been determined in accordance with ASIC Regulatory Guide 230. A summary of the Group and ERPF I Group's results for the year to 30 June 2019 is set out below: The table below provides a reconciliation from statutory net profit / (loss) to distributable Core Earnings: Note 1: Core Earnings has been determined in accordance with ASIC RG 230 and represents the Directors’ view of underlying earnings from ongoing operating activities for the period, being net profit / (loss), adjusted for one-off realised items (being formation or other transaction costs that occur infrequently or are outside the course of ongoing business activities), and non-cash items (being fair value movements, amortisation and lease straight-lining). Note 2: Straight lining of rental income is a non-cash accounting adjustment recognised in rental income in the Consolidated Statement of Profit or Loss. Note 3: Amortisation expense includes the amortisation of capitalised leasing costs and debt establishment costs, recognised in rates, taxes and other outgoings, other expenses and borrowing costs in the Consolidated Statement of Profit or Loss. 12 Elanor Retail Property Fund | Annual Report 2019 5 ELANOR RETAIL PROPERTY FUND DIRECTORS’ REPORT 4. Operating and financial review (continued) SUMMARY AND OUTLOOK The Fund's core strategy remains focused on actively managing and growing earnings from its investment portfolio, realising value-add opportunities across the portfolio from development and repositioning strategies, and acquiring additional high investment quality retail properties. The Fund is committed to growing the value of its investment portfolio. Risks to the Fund in the coming year primarily comprise potential earnings variability associated with general economic and market conditions, including retailer demand, domestic retail spending, the availability of capital for acquisition opportunities, movement in property valuations and possible weather related events. These risks are mitigated through actively managing the investment portfolio, continuing to focus on broadening the Fund's tenant mix, insurance arrangements and active management of the Fund's capital structure. The Fund is strongly positioned to enhance value for security holders. The active asset management of the portfolio is generating improved operational performance and returns. Furthermore, targeted strategic initiatives to increase the capital value of the Fund are in progress. 5. Value of assets 6. Directors The following persons have held office as Directors of the Responsible Entity during the period and up to the date of this report: Name Particulars Paul Bedbrock Independent Non-Executive Chairman Paul was appointed a Director of the Responsible Entity and Elanor Investors Limited in June 2014. Paul has had a career of over 30 years in financial services, originally as an analyst, fund manager and then the GM & Chief Investment Officer for Mercantile Mutual Investment Management Ltd (ING owned) from 1987 to 1995. Paul was an executive for 26 years with the Dutch global banking, insurance and investment group, ING, retiring in 2010. Paul’s career included the roles of: President and CEO of ING Direct Bank, Canada (2000 – 2003), CEO of the ING Australia / ANZ Bank Wealth JV (2003 – 2008) and Regional CEO, ING Asia Pacific, Hong Kong (2008 – 2010). Paul is currently the Chairman of Zurich Financial Services Australia and its Life, General and Investment Companies, a non-executive director of Credit Union Australia and the National Blood Authority. Former listed directorships in the last three years: None Interest in stapled securities: None Qualifications: B.Sc, F FIN, FAICD 6 13 ELANOR RETAIL PROPERTY FUND Directors' Report DIRECTORS’ REPORT 6. Directors (continued) Name Particulars Glenn Willis Managing Director and Chief Executive Officer Glenn was appointed a Director of the Responsible Entity and Elanor Investors Limited in June 2014. Glenn has extensive industry knowledge with over 30 years’ experience in the Australian and international capital markets. Glenn was the co-founder and Chief Executive Officer of Moss Capital. Prior to Moss Capital, Glenn co-founded Grange Securities and led the team in his role as Managing Director and CEO. After 12 years of growth, Grange Securities, was acquired by Lehman Brothers International in 2007, as the platform for Lehman’s Australian investment banking and funds management operations. Glenn was appointed Managing Director and Country Head in March 2007. In 2008, Glenn was appointed executive Vice Chairman of Lehman Brothers Australia. Glenn is a Director of Big Brothers Big Sisters Australia and the FSHD Global Research Foundation. Former listed directorships in the last three years: None Interest in stapled securities: 278,775 Qualifications: B.Bus (Econ & Fin) Nigel Ampherlaw Independent Non-Executive Director Chairman, Audit and Risk Committee Nigel was appointed a Director of the Responsible Entity and Elanor Investors Limited in June 2014. Nigel was a Partner of PricewaterhouseCoopers for 22 years where he held a number of leadership positions, including heading the financial services audit, business advisory services and consulting businesses. He also held a number of senior client Lead Partner roles. Nigel has extensive experience in risk management, technology, consulting and auditing in Australia and the Asia-Pacific region. Nigel’s current Directorships include Chairman of Credit Union Australia and non-executive Director of the Australia Red Cross Blood Service, where he is a member of the Finance and Audit Committee and a member of the Risk Committee. Former listed directorships in the last three years: Quickstep Holdings Ltd Interest in stapled securities: 109,630 Qualifications: B.Com, FCA, MAICD 14 Elanor Retail Property Fund | Annual Report 2019 7 ELANOR RETAIL PROPERTY FUND DIRECTORS’ REPORT 6. Directors (continued) Name Particulars William (Bill) Moss AO Non-Executive Director Bill was appointed a Director of the Responsible Entity and Elanor Investors Limited in June 2014. Bill is an Australian businessman and philanthropist with expertise in real estate, banking, funds and asset management. Bill spent 23 years as a senior executive and Executive Director with Macquarie Group, the pre- eminent Australian investment bank, where Bill managed the Global Banking and Real Estate businesses. Bill founded, grew and led Macquarie Real Estate Group to a point where it managed over $23 billion worth of investments around the world. Bill is Chairman of Moss Capital and Chairman and Founder of The FSHD Global Research Foundation. Bill is a commentator on the Australian finance and banking sectors, the global economy and the ongoing need for Australia to do more to advance the interests of the country’s disabled and disadvantaged. In 2015, Bill was awarded one of Australia’s highest honours, Office of the Order of Australia (AO), for services to the banking, charity, and finance sectors. Former listed directorships in the last three years: None Interest in stapled securities: 903,704 Qualifications: B.Ec Lim Kin Song Non-Executive Director Kin Song was appointed a Director of the Responsible Entity and Elanor Investors Limited in May 2019. Kin Song is the CEO of Rockworth Capital Partners (who holds 18% in Elanor Investors Group) and is responsible for all aspects of Rockworth’s business with a focus on strategy, transactions, business development and investor relations. With over 20 years of experience in the real estate sector, Kin Song specialises in acquisitions, asset management, business development and leasing. He has extensive experience across multi-core real estate sectors in Australia and South East Asia. Kin Song has been the key driver of Rockworth’s rapid growth in its assets under management since its inception in 2011, and provided leadership and strategic direction in transactions, corporate development, capital allocation and asset management. Prior to founding Rockworth in 2011, Kin Song held various positions in leading property groups in Asia, including Frasers Centrepoint Ltd, Ascendas-MGM Funds Management and the CapitaLand Group. Former listed directorships in the last three years: None Interest in stapled securities: Nil Qualifications: MBA, B.Sci, SISV, CCPS, RICS 8 15 ELANOR RETAIL PROPERTY FUND Directors' Report DIRECTORS’ REPORT 7. Directors’ relevant interests Other than as disclosed in the Annual Financial Report, no contracts exist where a director is entitled to a benefit. 8. Meetings of Directors The attendance at meetings of Directors of the Responsible Entity and the Audit and Risk Committee of the Group during the year is set out in the following table: 9. Company Secretary Symon Simmons held the position of Company Secretary of the Responsible Entity during the period. Symon is the Chief Financial Officer of the Group, and has extensive experience as a company secretary, is a Justice of the Peace in NSW and is a Responsible Manager on the Australian Financial Services Licence held by the Responsible Entity. 10. Indemnification and insurance of officers and auditors During the financial year, the Responsible Entity paid a premium in respect of a contract insuring the Directors of the Responsible Entity (as named above), the company secretary, and all executive officers of the Responsible Entity and of any related body corporate against a liability incurred in their capacity as Directors and officers of the Responsible Entity to the extent permitted by the Corporations Act 2001 (Cth). The contract of insurance prohibits disclosure of the nature of the liability and the amount of the premium. The Responsible Entity has not otherwise, during or since the end of the financial year, except to the extent permitted by law, indemnified or agreed to indemnify an officer of the Responsible Entity or of any related body corporate against a liability incurred in their capacity as an officer. The auditor of the Fund is not indemnified out of the assets of the Fund. 11. Environmental regulation To the best of their knowledge and belief after making due enquiry, the Directors have determined that the Fund has complied with all significant environmental regulations applicable to its operations in the jurisdictions in which it operates. 12. Significant changes in state of affairs There was no significant change in the state of affairs of the Fund during the year. 16 Elanor Retail Property Fund | Annual Report 2019 9 ELANOR RETAIL PROPERTY FUND DIRECTORS’ REPORT 13. Auditor’s independence declaration A copy of the auditor's independence declaration, as required under Section 307C of the Corporations Act 2001 (Cth), is included on the page following the Directors' Report. 14. Non-audit services Details of amounts paid or payable to the auditor for non-audit services provided during the year by the auditor are outlined in Note 17 to the consolidated financial statements. The Directors are satisfied that the provision of non-audit services, during the year, by the auditor (or by another person or firm on the auditor’s behalf) is compatible with the general standard of independence for auditors imposed by the Corporations Act 2001 (Cth). The Directors are of the opinion that the services as disclosed in Note 17 to the consolidated financial statements do not compromise the external auditor’s independence, based on advice received from the Audit and Risk Committee, for the following reasons: • • all non-audit services have been reviewed and approved to ensure that they do not impact the integrity and objectivity of the auditor; and none of the services undermine the general principles relating to auditor independence as set out in APES 110 ‘Code of Ethics for Professional Accountants’ issued by the Accounting Professional & Ethical Standards Board, including reviewing or auditing the auditor’s own work, acting in a management or decision-making capacity for the Fund, acting as advocate for the Fund or jointly sharing economic risks and rewards. 15. Likely developments and expected results of operations The consolidated financial statements have been prepared on the basis of the current known market conditions. The extent of any potential deterioration in either the capital or physical property markets on the future results of the Fund is unknown. Such results could include property market valuations, the ability of the Fund to raise or refinance debt, and the cost of such debt and the ability to raise equity. At the date of this report and to the best of the Directors’ knowledge and belief, there are no other anticipated changes in the operations of the Fund which would have a material impact on the future results of the Fund. 16. Events occurring after reporting date Subsequent to year end, a distribution of 4.33 cents per stapled security has been declared by the Board of Directors. The Board approved the appointment of Mr Anthony Fehon as a director of the Elanor Investors Group and the Responsible Entity, with an effective date of 20 August 2019. Other than the above, the Directors of the Responsible Entity are not aware of any other matter since the end of the period that has or may significantly affect the operations of the Group, the result of those operations, or the state of the Group’s affairs in future financial periods that are not otherwise referred to in this Directors’ Report. 17. Rounding of amounts to the nearest thousand dollars In accordance with Legislative Instrument 2016/191 issued by the Australian Securities and Investments Commission, amounts in the financial statements have been rounded to the nearest thousand dollar, unless otherwise indicated. 10 17 Directors' Report ELANOR RETAIL PROPERTY FUND DIRECTORS’ REPORT This report is made in accordance with a resolution of the Board of Directors of the Responsible Entity. Signed in accordance with a resolution of the Directors made pursuant to section 298(2) of the Corporations Act 2001 (Cth). Paul Bedbrook Chairman Glenn Willis CEO and Managing Director Sydney, 16 August 2019 18 Elanor Retail Property Fund | Annual Report 2019 11 Auditor’s Independence Declaration Deloitte Touche Tohmatsu A.B.N. 74 490 121 060 Grosvenor Place 225 George Street Deloitte Touche Tohmatsu Sydney NSW 2000 A.B.N. 74 490 121 060 PO Box N250 Grosvenor Place Sydney NSW 1220 Australia Grosvenor Place 225 George Street DX 10307SSE Sydney NSW 2000 Tel: +61 (0) 2 9322 7000 PO Box N250 Grosvenor Place Fax: +61 (0) 2 9322 7001 Sydney NSW 1220 Australia www.deloitte.com.au DX 10307SSE Tel: +61 (0) 2 9322 7000 Fax: +61 (0) 2 9322 7001 www.deloitte.com.au The Directors Elanor Funds Management Limited (as responsible entity for Elanor Retail Property Fund I and Elanor Retail Property Fund II) The Directors Level 38, 259 George Street Elanor Funds Management Limited Sydney NSW 2000 (as responsible entity for Elanor Retail Property Fund I and Elanor Retail Property Fund II) Level 38, 259 George Street Sydney NSW 2000 16 August 2019 Dear Directors 16 August 2019 Dear Directors Elanor Retail Property Fund I and Elanor Retail Property Fund II In accordance with section 307C of the Corporations Act 2001, I am pleased to provide the following declaration of independence to the directors of Elanor Funds Management Limited in its capacity as responsible entity for Elanor Retail Property Fund I and Elanor Retail Property Fund II. Elanor Retail Property Fund I and Elanor Retail Property Fund II In accordance with section 307C of the Corporations Act 2001, I am pleased to provide the following declaration As lead audit partner for the audit of the consolidated financial statements of Elanor Retail Property Fund I and of independence to the directors of Elanor Funds Management Limited in its capacity as responsible entity for Elanor Retail Property Fund II for the year ended 30 June 2019, I declare that to the best of my knowledge and Elanor Retail Property Fund I and Elanor Retail Property Fund II. belief, there have been no contraventions of: (i) the auditor independence requirements of the Corporations Act 2001 in relation to the audit; and As lead audit partner for the audit of the consolidated financial statements of Elanor Retail Property Fund I and Elanor Retail Property Fund II for the year ended 30 June 2019, I declare that to the best of my knowledge and belief, there have been no contraventions of: (ii) any applicable code of professional conduct in relation to the audit. (i) the auditor independence requirements of the Corporations Act 2001 in relation to the audit; and (ii) any applicable code of professional conduct in relation to the audit. Yours faithfully, Yours faithfully, DELOITTE TOUCHE TOHMATSU DELOITTE TOUCHE TOHMATSU AG Collinson Partner Chartered Accountants AG Collinson Partner Chartered Accountants Liability limited by a scheme approved under Professional Standards Legislation. Member of Deloitte Asia Pacific Limited and the Deloitte Network. 12 Liability limited by a scheme approved under Professional Standards Legislation. Member of Deloitte Asia Pacific Limited and the Deloitte Network. 12 19 ELANOR RETAIL PROPERTY FUND CONSOLIDATED STATEMENTS OF PROFIT OR LOSS FOR THE YEAR ENDED 30 JUNE 2019 Consolidated Statements of Profit or Consolidated Statements of Profit or Loss For the year ended 30 June 2019 CONSOLIDATED STATEMENTS OF PROFIT OR LOSS FOR THE YEAR ENDED 30 JUNE 2019 ELANOR RETAIL PROPERTY FUND Consolidated Statements of Profit or The above Consolidated Statements of Profit or Loss should be read in conjunction with the accompanying notes 20 Elanor Retail Property Fund | Annual Report 2019 13 The above Consolidated Statements of Profit or Loss should be read in conjunction with the accompanying notes 13 ELANOR RETAIL PROPERTY FUND CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME FOR THE YEAR ENDED 30 JUNE 2019 Consolidated Statements of Comprehensive Income Consolidated Statements of Comprehensive Income For the year ended 30 June 2019 CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME FOR THE YEAR ENDED 30 JUNE 2019 ELANOR RETAIL PROPERTY FUND Consolidated Statements of Comprehensive Income The above Consolidated Statements of Comprehensive Income should be read in conjunction with the accompanying notes 14 21 The above Consolidated Statements of Comprehensive Income should be read in conjunction with the accompanying notes 14 ELANOR RETAIL PROPERTY FUND CONSOLIDATED STATEMENTS OF FINANCIAL POSITION FOR THE YEAR ENDED 30 JUNE 2019 C ELANOR RETAIL PROPERTY FUND Consolidated Statements of Financial Position As at 30 June 2019 CONSOLIDATED STATEMENTS OF FINANCIAL POSITION FOR THE YEAR ENDED 30 JUNE 2019 C of Financial Position of Financial Position The above Consolidated Statements of Financial Position should be read in conjunction with the accompanying notes 22 Elanor Retail Property Fund | Annual Report 2019 15 The above Consolidated Statements of Financial Position should be read in conjunction with the accompanying notes 15 D N U F Y T R E P O R P L I A T E R R O N A L E Y T I U Q E N I S E G N A H C F O S T N E M E T A T S D E T A D I L O S N O C 9 1 0 2 E N U J 0 3 D E D N E R A E Y E H T R O F y t i u q E n i s e g n a h C f o s t n e m e t a t S d e t a d i l o s n o C I Y T U Q E N I S E G N A H C F O S T N E M E T A T S D E T A D L O S N O C I 9 1 0 2 E N U J 0 3 D E D N E R A E Y E H T R O F 9 1 0 2 e n u J 0 3 d e d n e r a e y e h t r o F y t i u q E n i s e g n a h C f o s t n e m e t a t S d e t a d i l o s n o C I y D t N i U u F q Y E T R n E P i O s R e P g L n A a T E h R C R O f o N A s L t E n e m e t a t S d e t a d i l o s n o C i t s e o n g n y n a p m o c c a e h t i t s e o n g n y n a p m o c c a e h t h t i w n o j i t c n u n o c n i h t i w n o j i t c n u n o c n i 6 1 d a e r e b d u o h s l y t i u q E n i s e g n a h C 6 1 d a e r e b d u o h s l y t i u q E n i s e g n a h C f o s t n e m e t a t S d e t a d i l o s n o C e v o b a e h T f o s t n e m e t a t S d e t a d i l o s n o C e v o b a e h T 23 i t s e o n g n y n a p m o c c a e h t i t s e o n g n y n a p m o c c a e h t h t i w n o j i t c n u n o c n i h t i w n o j i t c n u n o c n i 7 1 d a e r e b d u o h s l y t i u q E n i s e g n a h C 7 1 d a e r e b d u o h s l y t i u q E n i s e g n a h C f o s t n e m e t a t S d e t a d i l o s n o C e v o b a e h T f o s t n e m e t a t S d e t a d i l o s n o C e v o b a e h T D N U F Y T R E P O R P L I A T E R R O N A L E I Y T U Q E N I S E G N A H C F O S T N E M E T A T S D E T A D L O S N O C I 9 1 0 2 E N U J 0 3 D E D N E R A E Y E H T R O F D N U F Y T R E P O R P L A T E R R O N A L E I I Y T U Q y E t N i I u S E q G N E A H n C i F O s S e T N g E n M E a T h A T C S D E f T o A D s L t O n S N e O C m e t a t S d e t a d I i l o s n o C 9 1 0 2 E N U J 0 3 D E D N E R A E Y E H T R O F 9 1 0 2 e n u J 0 3 d e d n e r a e y e h t r o F 24 Elanor Retail Property Fund | Annual Report 2019 ELANOR RETAIL PROPERTY FUND CONSOLIDATED STATEMENTS OF CASH FLOWS FOR THE YEAR ENDED 30 JUNE 2019 Consolidated Statements of Cash Flows Consolidated Statements of Cash Flows For the year ended 30 June 2019 CONSOLIDATED STATEMENTS OF CASH FLOWS FOR THE YEAR ENDED 30 JUNE 2019 ELANOR RETAIL PROPERTY FUND Consolidated Statements of Cash Flows The above Consolidated Statements of Cash Flows should be read in conjunction with the accompanying notes 18 25 The above Consolidated Statements of Cash Flows should be read in conjunction with the accompanying notes 18 ELANOR RETAIL PROPERTY FUND Notes to the Consolidated Financial Statements For the year ended 30 June 2019 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2019 Notes to the Consolidated Financial Statements Notes to the Consolidated Financial Statements About this Report Elanor Retail Property Fund (the Fund, Group or Consolidated Group) is a 'stapled' entity comprising of Elanor Retail Property Fund I (formerly Elanor Retail Property Fund) (ERPF I) and its controlled entities, and Elanor Retail Property Fund II (formerly Auburn Central Syndicate) (ERPF II) and its controlled entities. The units in ERPF I are stapled to units in ERPF II. The stapled securities cannot be traded or dealt with separately. The stapled securities of the Fund were listed on the Australian Securities Exchange (ASX: ERF) on 9 November 2016. For the purposes of the consolidated financial report, ERPF II has been deemed the parent entity of ERPF I in the stapled structure. The Directors applied judgement in the determination of the parent entity of the Fund and considered various factors including asset size and capital structure. The financial report of the Fund comprises the consolidated financial report of Elanor Retail Property Fund II and its controlled entities, including Elanor Retail Property Fund I and its controlled entities (ERPF I Group). As permitted by Class Order 05/642 issued by the Australian Securities and Investments Commission (ASIC), this report is a combined report that presents the consolidated financial statements and accompanying notes of both the Fund and ERPF I Group. These general purpose financial statements have been prepared in accordance with the Corporations Act 2001, the Scheme Constitutions and Australian Accounting Standards. Compliance with Australian Accounting Standards ensures compliance with International Financial Reporting Standards (‘IFRS’). Basis of consolidation The consolidated financial report of the Fund incorporates the assets and liabilities of ERPF II (the Parent) and all of its subsidiaries, including ERPF I and its subsidiaries as at 30 June 2019. ERPF II is the parent entity in relation to the stapling. The results and equity of ERPF I (which is not directly owned by ERPF II) have been treated and disclosed as a non-controlling interest. Whilst the results and equity of ERPF I are disclosed as a non-controlling interest, the stapled security holders of ERPF I are the same as the stapled security holders of ERPF II. This consolidated financial report also includes a separate column representing the financial report of ERPF I, incorporating the assets and liabilities of ERPF I and all of its subsidiaries, as at 30 June 2019. For the purpose of preparing the financial statements, the Fund is a for-profit entity. The financial report is presented in Australian Dollars. Going Concern As at 30 June 2019, the Group is in a net current liability position of $41.9 million (ERPF I: $0.5 million), due to the maturity of ERPF II’s debt facility of $41.7 million in May 2020. The Group has $340.1 million (ERPF I: $234.5 million) of total assets and a net asset position of $197.5 million (ERPF I: $68.1 million) at balance date. The Fund is currently negotiating with its bank in respect of a renewal of the $41.7 million facility, due to expire in May 2020. The Fund is in compliance with all bank covenants as at 30 June 2019. Given the conservative gearing level below 39% of asset value and strong cash flow for servicing of financing facilities, Management are confident that the refinancing of the $41.7 million debt facility will be completed prior to its maturity, and that the Group will be able to pay its liabilities in the next 12 months as and when they fall due. 26 Elanor Retail Property Fund | Annual Report 2019 19 The notes to the consolidated financial statements have been organised into the following four sections: RESULTS ................................................................................................................................................... 28 1. 2. 3. 4. 5. Segment information ..................................................................................................................28 Revenue .....................................................................................................................................28 Distributions ...............................................................................................................................29 Earnings / (losses) per stapled security ......................................................................................29 Cash flow information .................................................................................................................30 OPERATING ASSETS .............................................................................................................................. 32 6. Investment properties .................................................................................................................32 FINANCE STRUCTURE ........................................................................................................................... 35 7. 8. 9. 10. Interest bearing liabilities ............................................................................................................35 Derivative financial instruments ..................................................................................................36 Contributed equity ......................................................................................................................37 Financial risk management .........................................................................................................37 OTHER ITEMS .......................................................................................................................................... 41 11. Other assets and liabilities ..........................................................................................................41 12. Net tangible assets .....................................................................................................................41 13. Related parties ...........................................................................................................................42 14. Non-cancellable operating lease receivables .............................................................................43 15. Unrecognised items. ...................................................................................................................43 16. Parent entity disclosure ..............................................................................................................44 17. Auditors’ remuneration ...............................................................................................................45 18. Subsequent events .....................................................................................................................45 19. Accounting policies ....................................................................................................................45 27 ELANOR RETAIL PROPERTY FUND Notes to the Consolidated Financial Statements For the year ended 30 June 2019 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2019 Results This section focuses on the operating results and financial performance of the Fund. It includes disclosures of revenue and distributions. 1. Segment information OVERVIEW The Fund only operates in one business segment, being the investment in retail shopping centres in Australia. 2. Revenue OVERVIEW The Fund’s main source of revenue is rental income from its investment in retail shopping centres. (a) Rental income ACCOUNTING POLICY Rental income The Fund is the lessor of operating leases. Rental income arising from operating leases is recognised as revenue on a straight-line basis over the lease term. Initial direct costs incurred in negotiating and arranging an operating lease are added to the carrying amount of the leased asset and recognised as an expense over the term of the lease on the same basis as the lease income. Lease incentives Lease incentives (including rent free periods, fit out and other payments) are accounted for on a straight-line basis over the lease term and offset against rental income in the consolidated statement of profit or loss. The lease term is the non- cancellable period of the lease together with any further term for which the tenant has the option to continue the lease, where, at the inception of the lease, it is reasonably certain that the tenant will exercise that option. 28 Elanor Retail Property Fund | Annual Report 2019 21 ELANOR RETAIL PROPERTY FUND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2019 3. Distributions OVERVIEW In accordance with the Fund’s Constitutions, the Responsible Entity determines Core Earnings attributable to security holders as the net profit for the year, excluding certain non-recurring and non-cash items. The Fund aims to distribute between 90% and 100% of Core Earnings each year. (a) Distributions during the year Consolidated Group The following distributions were declared by the Consolidated Group in respect of the year ended 30 June 2019: (1) The distribution of 4.33 cents per stapled security for the six months ended 30 June 2019 was not declared prior to 30 June 2019. The distribution was declared on 16 August 2019. Please refer to the Director’s Report for the calculation of Core Earnings and the Distribution. ERPF I Group The following distributions were declared by the ERPF I Group either during the year or post balance date: (1) The distribution of 2.22 cents per unit for the six months ended 30 June 2019 was not declared prior to 30 June 2019. The distribution was declared on 16 August 2019. Please refer to the Director’s Report for the calculation of Core Earnings and the Distribution. ACCOUNTING POLICY Distributions are recognised when declared. Distributions paid and payable are recognised as distributions within equity. A liability is recognised where distributions have been declared but not been paid. Distributions paid are included in cash flows from financing activities in the consolidated statement of cash flows. 4. Earnings / (losses) per stapled security OVERVIEW Basic earnings per stapled security is calculated as net profit or loss attributable to security holders divided by the weighted average number of ordinary stapled securities issued. Diluted earnings per stapled security is calculated as profit or loss attributable to security holders adjusted for any profit or loss recognised in the period in relation to dilutive potential stapled securities divided by the weighted average number of stapled securities and dilutive stapled securities. 22 29 ELANOR RETAIL PROPERTY FUND Notes to the Consolidated Financial Statements For the year ended 30 June 2019 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2019 4. Earnings / (losses) per stapled security (continued) Earnings used in the calculation of basic and diluted earnings per stapled security reconciles to the net profit or loss in the consolidated statements of comprehensive income as follows: 5. Cash flow information OVERVIEW This note provides further information on the consolidated cash flow statements of the Fund. It reconciles profit for the year to cash flows from operating activities, reconciles liabilities arising from financing activities and provides information about non-cash transactions. (a) Reconciliation of profit for the year to net cash provided by operating activities 30 Elanor Retail Property Fund | Annual Report 2019 23 ELANOR RETAIL PROPERTY FUND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2019 5. Cash flow information (continued) (b) Reconciliation of liabilities arising from financing activities Consolidated Group ERPF I Group 24 31 ELANOR RETAIL PROPERTY FUND ELANOR RETAIL PROPERTY FUND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2019 FOR THE YEAR ENDED 30 JUNE 2019 Notes to the Consolidated Financial Statements For the year ended 30 June 2019 Operating Assets Operating Assets This section includes information about the assets used by the Fund to generate profits and revenue, specifically This section includes information about the assets used by the Fund to generate profits and revenue, specifically information relating to its investment properties. information relating to its investment properties. Investment properties Investment properties 6. 6. OVERVIEW OVERVIEW Investment properties are held solely for the purpose of earning rental income and / or for capital appreciation. At balance Investment properties are held solely for the purpose of earning rental income and / or for capital appreciation. At balance date, the Fund’s investment property portfolio comprises 7 retail shopping centres in Australia. date, the Fund’s investment property portfolio comprises 7 retail shopping centres in Australia. (a) (a) Carrying values of investment properties Carrying values of investment properties Note 1: The Auburn Central podium assets comprised 19 podium strata lots at acquisition. The Fund commenced disposal of these non-core strata lots in August 2017. As at 30 June 2019, all strata lots have been sold. Note 1: The Auburn Central podium assets comprised 19 podium strata lots at acquisition. The Fund commenced disposal of these non-core strata lots in August 2017. As at 30 June 2019, all strata lots have been sold. Note 2: This includes the Ambulance Station ($2.5m) adjacent to the Auburn Central Shopping Centre and a revaluation increase of $18.1 million Note 2: This includes the Ambulance Station ($2.5m) adjacent to the Auburn Central Shopping Centre and a revaluation increase of $18.1 million following the BIG W surrender and commencement of the repositioning strategy at the centre. following the BIG W surrender and commencement of the repositioning strategy at the centre. (b) (b) Movement in investment properties Movement in investment properties Fair value measurement Fair value measurement (c) (c) Highest and best use Highest and best use For all investment properties, the current use equates to the highest and best use. For all investment properties, the current use equates to the highest and best use. Fair value hierarchy and valuation techniques Fair value hierarchy and valuation techniques The fair value measurement for investment properties has been categorised as Level 3 fair value based on the key inputs The fair value measurement for investment properties has been categorised as Level 3 fair value based on the key inputs to the valuation techniques used below: to the valuation techniques used below: 32 Elanor Retail Property Fund | Annual Report 2019 25 25 ELANOR RETAIL PROPERTY FUND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2019 6. Investment properties (continued) (c) Fair value measurement (continued) Valuation Techniques Significant unobservable inputs Range Relationship with fair value Discounted cash flows – involves the projection of a series of inflows and outflows to which a market-derived discount rate is applied to establish an indication of the present value of the income stream associated with the property. Adopted discount Rate(1) 7.50% - 9.25% Adopted terminal yield(2) 6.25% - 8.25% Capitalisation method – involves determining the net market income of the investment property. This net market income is then capitalised at the adopted capitalisation rate to derive a core value. Adopted capitalisation rate(3) 6.00% - 8.00% The higher/lower the rate, the lower/higher the fair value. The higher/lower the rate, the lower/higher the fair value. The higher/lower the rate, the lower/higher the fair value. (1) Adopted discount rate: The rate of return used to convert cash flows, payable or receivable in the future, into present value. It reflects the opportunity cost of capital, that is the rate of return the cash can earn if put to other uses having similar risk. The rate is determined with regard to market evidence. (2) Adopted terminal yield: The capitalisation rate used to convert the future net market rental revenue into an indication of the anticipated value of the property at the end of the holding period when carrying out a discounted cash flow calculation. The rate is determined with regard to market evidence. (3) Adopted capitalisation rate: The rate at which net market rental revenue is capitalised to determine the value of a property. The rate is determined with regard to market evidence. ACCOUNTING POLICY Recognition and measurement Investment properties are measured initially at cost, including transaction costs. Subsequent to initial recognition, investment properties are measured at fair value. Gains and losses arising from changes in the fair value of investment properties are included in the consolidated statement of profit or loss in the year in which they arise. Fair value is defined as the price at which an asset or liability could be exchanged in an arm’s length transaction between knowledgeable, willing parties, other than in a forced or liquidation sale. An investment property is derecognised upon disposal or when the investment property is permanently withdrawn from use and no future economic benefits are expected from the disposal. Any gain or loss arising on derecognition of the property (calculated as the difference between the net disposal proceeds and the carrying amount of the asset) is included in the consolidated statement of profit or loss in the year in which the property is derecognised. Valuation process In reaching estimates of fair value, management judgment needs to be exercised. The level of management judgment required in establishing fair value of the investments for which there is no quoted price in an active market is reduced through the use of external valuations. The aim of the valuation process is to ensure that assets are held at fair value and that the Fund is compliant with applicable Australian Accounting Standards, regulations, and the Fund’s Constitutions. 26 33 ELANOR RETAIL PROPERTY FUND Notes to the Consolidated Financial Statements For the year ended 30 June 2019 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2019 6. Investment properties (continued) (c) Fair value measurement (continued) All properties are required to be internally valued every six months with the exception of those independently valued during that six month period. The internal valuations are performed by utilising the information from a combination of asset plans and forecasting tools prepared by the asset management team. Appropriate capitalisation rate, terminal yield and discount rates based on comparable market evidence and recent external valuation parameters are used to produce a capitalisation based valuation and a discounted cash flow valuation. The Fund's valuation policy requires that each property in the portfolio is valued by an independent valuer at least every three years. In practice, properties may be valued more frequently than every three years primarily where there may have been a material movement in the market and where there is a significant variation between the carrying value and the internal valuation. Independent valuations are performed by independent and external valuers who hold a recognised relevant professional qualification and have specialised expertise in the types of investment properties valued. 34 Elanor Retail Property Fund | Annual Report 2019 27 ELANOR RETAIL PROPERTY FUND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2019 Finance and Capital Structure This section provides further information on the Fund’s debt structure, and also in relation to financial risk management for its exposure to credit, liquidity and market risks. 7. Interest bearing liabilities OVERVIEW The Fund has access to a combined $138.4 million debt facility. The drawn amount at 30 June 2019 is $134.5 million. During the period, the Fund refinanced debt facilities of $43.8 million for a new 5-year term. The weighted average debt facility maturity at year end is 3.2 years. At 30 June 2019, the interest rate risk of drawn facilities is hedged to 82.5%. ACCOUNTING POLICY Interest bearing liabilities are recognised initially at cost, being the fair value of the consideration received net of transaction costs associated with the borrowing. Subsequent to initial recognition, interest bearing liabilities are recognised at amortised cost using the effective interest method. Under the effective interest method, any transaction fees, costs, discounts and premiums directly related to the borrowings are recognised in the consolidated statement of profit or loss over the expected life of the borrowings. Interest bearing liabilities are classified as current liabilities where the liability has been drawn under a financing facility which expires within one year. Amounts drawn under financial facilities which expire after one year are classified as non- current. 28 35 ELANOR RETAIL PROPERTY FUND Notes to the Consolidated Financial Statements For the year ended 30 June 2019 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2019 8. Derivative financial instruments OVERVIEW The Fund’s derivative financial instruments consist of interest rate swap contracts to hedge its exposure to movements in variable interest rates. The interest rate swap agreements allow the Fund to raise long term borrowings at a floating rate and effectively swap them into a fixed rate. (a) Valuation The fair value of interest rate swaps is calculated as the present value of the estimated future cash flows based on observable yield curves (level 2). All of the resulting fair value estimates are included in Level 2. The fair value of financial instruments that are not traded in an active market is determined using valuation techniques. These valuation techniques maximise the use of observable market data where it is available and rely as little as possible on entity specific estimates. If all significant inputs required to fair value an instrument are observable, the instrument is included in Level 2. ACCOUNTING POLICY Derivatives are initially recognised at fair value at the date the derivative contract is entered into and are subsequently remeasured to their fair value at the end of each reporting period. The resulting gain or loss is recognised in profit or loss immediately unless the derivative is designated and effective as a hedging instrument, in which event the timing of the recognition in profit or loss depends on the nature of the hedge relationship. Hedge Accounting The Fund designates its hedging instruments, which include derivatives, as cash flow hedges. At the inception of the hedge relationship, the entity documents the relationship between the hedging instrument and the hedged item, along with its risk management objectives and its strategy for undertaking various hedge transactions. Furthermore, at the inception of the hedge and on an ongoing basis, the Fund documents whether the hedging instrument is highly effective in offsetting changes in fair values or cash flows of the hedged item attributable to the hedged risk. Cash flow hedges Hedge accounting is discontinued when the Fund revokes the hedging relationship, when the hedging instrument expires or is sold, terminated, or exercised, or when it no longer qualifies for hedge accounting. Any gain or loss recognised in other comprehensive income and accumulated in equity at that time remains in equity and is recognised when the forecast transaction is ultimately recognised in profit or loss. When a forecast transaction is no longer expected to occur, the gain or loss accumulated in equity is recognised immediately in profit or loss. 36 Elanor Retail Property Fund | Annual Report 2019 29 ELANOR RETAIL PROPERTY FUND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2019 9. Contributed equity OVERVIEW The Fund is a 'stapled' entity comprising of ERPF I and its controlled entities, and ERPF II and its controlled entities. The units in ERPF I are stapled to units in ERPF II. The stapled securities cannot be traded or dealt with separately. (a) Parent entity (b) ERPF I Group 10. Financial risk management OVERVIEW The Fund's principal financial instruments comprise cash, receivables, interest bearing loans and derivatives. The Fund's activities are exposed to a variety of financial risks: market risk (including interest rate risk); credit risk; and liquidity risk. This note presents information about the Fund's exposure to each of the above risks, the Fund's objectives, policies and processes for measuring and managing risk and the Fund's management of capital. Further quantitative disclosures are included through these financial statements. The Board of Directors (Board) of Responsible Entity of the Fund has overall responsibility for the establishment and oversight of the Fund's risk management framework. The Board is responsible for monitoring the identification and management of key risks to the business. The Board has established Treasury Guidelines outlining principles for overall risk management and policies covering specific areas, such as mitigating foreign exchange, interest rate and liquidity risks. The Fund's Treasury Guidelines provide a framework for managing the financial risks of the Fund with a key philosophy of risk mitigation. Derivatives are exclusively used for hedging purposes, not as trading or other speculative instruments. The Fund uses derivative financial instruments such as interest rate swaps where possible to hedge certain risk exposures. The Fund uses different methods to measure different types of risk to which it is exposed. These methods include sensitivity analysis in the case of interest rate risk, ageing analysis for credit risk and cash flow forecasting for liquidity risk. There have been no other significant changes in the types of financial risks or the Fund's risk management program (including methods used to measure the risks). 30 37 ELANOR RETAIL PROPERTY FUND Notes to the Consolidated Financial Statements For the year ended 30 June 2019 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2019 10. Financial risk management (continued) (a) Market risk Market risk refers to the potential for changes in the value of the Fund's financial instruments or revenue streams from changes in market prices, being interest rate risk. (b) Interest rate risk Interest rate risk refers to the potential fluctuations in the fair value or future cash flows of a financial instrument because of changes in market interest rates. As at reporting date, the Fund had the following undiscounted (including future interest payable) interest bearing assets and liabilities: 38 Elanor Retail Property Fund | Annual Report 2019 31 ELANOR RETAIL PROPERTY FUND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2019 10. Financial risk management (continued) (b) Interest rate risk (continued) (c) Credit risk Credit risk represents the loss that would be recognised if counterparties failed to perform as contracted. The Fund manages credit risk on receivables by performing credit reviews of prospective debtors, obtaining collateral where appropriate and performing detailed reviews on any debtor arrears. Credit risk on derivatives is managed through limiting transactions to investment grade counterparties. Exposure to credit risk The carrying amount of financial assets represents the maximum credit exposure. The maximum exposure to credit risk at the reporting date was: Where entities have a right of set-off and intend to settle on a net basis under netting arrangements, this set-off has been recognised in the consolidated financial statements on a net basis. Details of the Fund's contingent liabilities are disclosed in Notes 15 and 16. 32 39 ELANOR RETAIL PROPERTY FUND Notes to the Consolidated Financial Statements For the year ended 30 June 2019 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2019 10. Financial risk management (continued) (c) Credit risk (continued) At balance date there were no other significant concentrations of credit risk. No allowance has been recognised for the GST from the taxation authorities. Based on historical experience, there is no evidence of default from these counterparties which would indicate that an allowance was necessary. The ageing profile of the trade and other receivables balance as at 30 June 2019 is as follows: (d) Capital risk management The Fund maintains its capital structure with the objective to safeguard its ability to continue as a going concern, to increase the returns for security holders and to maintain an optimal capital structure. The capital structure of the Fund consists of equity as listed in Note 9. The Fund assesses its capital management approach as a key part of the Fund's overall strategy and it is continuously reviewed by management and the Directors of the Responsible Entity. To achieve the optimal capital structure, the Board may use the following strategies: amend the distribution policy of the Fund; issue new units through a private placement; conduct a buyback of units; acquire debt; or dispose of investment properties. 40 Elanor Retail Property Fund | Annual Report 2019 33 ELANOR RETAIL PROPERTY FUND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2019 Other Items This section provides information that is not directly related to the specific line items in the consolidated financial statements, including information about contingent liabilities, related parties, events after the end of the reporting period, remuneration of auditors and changes in accounting policies and disclosures. 11. Other assets and liabilities OVERVIEW This note provides further information about assets and liabilities that are incidental to the Fund’s trading activities, being trade and other payables. (a) Trade and other payables ACCOUNTING POLICY Payables represent liabilities and accrued expenses owing by the Fund at period end which are unpaid. The amounts are unsecured and usually paid within 30 days of recognition. Payables are recognised at amortised cost and normal commercial terms and conditions apply to payables. 12. Net tangible assets OVERVIEW This note sets out the net tangible assets of the Fund and the ERPF I Group. 34 41 ELANOR RETAIL PROPERTY FUND Notes to the Consolidated Financial Statements For the year ended 30 June 2019 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2019 13. Related parties OVERVIEW Related parties are persons or entities that are related to the Fund as defined by AASB 124 Related Party Disclosures. This note provides information about transactions with related parties during the year. (a) Key management personnel Responsible Entity Elanor Funds Management Limited is the Responsible Entity of the Fund, and is the key management personnel (KMP) of the Fund. Directors of the Responsible Entity The Directors of Elanor Funds Management Limited are: Paul Bedbrook (Chair) Glenn Willis (Managing Director and Chief Executive Officer) Nigel Ampherlaw William (Bill) Moss AO Lim Kin Song (appointed 30 May 2019) Other Management Personnel In addition to the directors, the following persons were Management Personnel of the Responsible Entity with the authority for the strategic direction of the Fund: Michael Baliva – Fund Manager Symon Simmons – Chief Financial Officer Paul Siviour – Chief Operating Officer Remuneration of Management Personnel Compensation is paid to the Responsible Entity in the form of fees and is disclosed below. No other amounts are paid by the Fund directly or indirectly to the Management Personnel for services provided to the Fund. The Directors of the Responsible Entity and other management personnel are paid by the Responsible Entity. Payments made from the Fund to the Responsible Entity do not include any amounts attributable to the compensation of key management personnel. Consequently, no compensation as defined in AASB 124 Related Party Disclosures, is paid by the Fund to its Management Personnel, other than that paid to the Responsible Entity. Michael Baliva, the Fund Manager, participates in the Fund’s executive loan security plan. Related party disclosure During the period, fees were incurred by the Fund to Elanor Investors Group and its controlled entities, in accordance with the Constitution of each Scheme, including management fees, accrued performance fee and cost recoveries. 42 Elanor Retail Property Fund | Annual Report 2019 35 ELANOR RETAIL PROPERTY FUND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2019 13. Related parties (continued) Related party holdings Key Management Personnel and other Management Personnel of the Responsible Entity and of its related entities may hold investments in the Fund. Such investments were purchased on normal commercial terms and were at arm’s length. The number of securities held by Key Management Personnel and other Management Personnel are as follows: Cross-Staple Loan On 9 November 2016, as part of the internal funding structure on listing of the Fund, ERPF I entered into a 10 year interest- bearing loan with ERPF II at arm’s length commercial terms. As at 30 June 2019, the outstanding loan balance payable to ERPF II was $69.7 million. Sale of Auburn Central podium lot On 21 December 2018, the Fund sold the last podium lot asset at Auburn Central to the Auburn Office Syndicate, a fund managed by Elanor Funds Management Limited, at fair value, for $5 million. 14. Non-cancellable operating lease receivables OVERVIEW This note sets out the non-cancellable operating lease receivables of the Fund and the ERPF I Group. 15. Unrecognised items OVERVIEW Items that have not been recognised on the Fund’s balance sheet, including contractual commitments for future expenditure and contingent liabilities which are not sufficiently certain to qualify for recognition as a liability on the balance sheet, are defined as unrecognised items. This note provides details of any such items. (a) Contingent liabilities The Directors are not aware of any material contingent liabilities of the Fund as at 30 June 2019 (30 June 2018: nil). (b) Commitments The Fund, including ERPF I Group, has capital commitments of $1.2 million as at 30 June 2019 (30 June 2018: nil) in respect of capital expenditures contracted for the works at Tweed Mall in relation to the Aldi tenancy at the date of the statement of financial position. 36 43 ELANOR RETAIL PROPERTY FUND Notes to the Consolidated Financial Statements For the year ended 30 June 2019 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2019 16. Parent entity disclosure OVERVIEW The financial information below on Elanor Retail Property Fund’s parent entity, ERPF II, and ERPF I Group’s parent entity, ERPF I, as stand-alone entity has been provided in accordance with the requirements of the Corporations Act 2001. (a) Summarised financial information (b) Commitments ERPF I and ERPF II had no commitments as at 30 June 2019 (2018: none) in relation to capital expenditure contracted for but not recognised as liabilities. (c) Guarantees provided ERPF I and ERPF II had no outstanding guarantees as at 30 June 2019 (2018: none). (d) Contingent liabilities ERPF I and ERPF II has no contingent liabilities as at 30 June 2019 (2018: none). ACCOUNTING POLICY With the exception of consolidation, the financial information of the parent entities of Elanor Retail Property Fund and ERPF I Group have been prepared on the same basis as the consolidated financial statements. 44 Elanor Retail Property Fund | Annual Report 2019 37 ELANOR RETAIL PROPERTY FUND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2019 17. Auditors’ remuneration OVERVIEW During the year the following fees were paid or payable for services provided by the auditor of the Fund: 18. Subsequent events Subsequent to year end, a distribution of 4.33 cents per stapled security has been declared by the Board of Directors. The Board approved the appointment of Mr Anthony Fehon as a director of the Elanor Investors Group and the Responsible Entity, with an effective date of 20 August 2019. Other than the above, since the end of the period, the Directors are not aware of any other matter or circumstance not otherwise dealt with in the financial reports or the Directors' Report that has significantly affected or may significantly affect the operations of the Fund, the results of those operations or the state of affairs of the Fund in financial periods subsequent to the year ended 30 June 2019. 19. Accounting policies OVERVIEW This note provides an overview of the Fund’s accounting policies that relate to the preparation of the financial report as a whole and do not relate to specific items. Accounting policies for specific items in the balance sheet or statement of comprehensive income have been included in the respective note. (a) Interest Income Interest income is recognised as it accrues using the effective interest rate method. (b) Expenses All expenses, including the responsible entity’s fees and custodian fees, are recognised in profit or loss on an accruals basis. (c) Income Taxation Under current legislation, the Fund is not subject to income tax as security holders are presently entitled to the income of the Fund. 38 45 ELANOR RETAIL PROPERTY FUND ELANOR RETAIL PROPERTY FUND NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2019 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2019 Notes to the Consolidated Financial Statements For the year ended 30 June 2019 19. 19. (d) Accounting policies (continued) Accounting policies (continued) New accounting standards and interpretations (d) New standards and interpretations New accounting standards and interpretations New standards and interpretations AASB 9 Financial Instruments addresses the classification, measurement and de-recognition of financial assets and liabilities and introduces new rules for hedge accounting and impairment of financial assets. AASB 9 is applicable from 1 AASB 9 Financial Instruments addresses the classification, measurement and de-recognition of financial assets and January 2018. The Fund early adopted the standard in 2016. The adoption of AASB 15 did not result in a change in the liabilities and introduces new rules for hedge accounting and impairment of financial assets. AASB 9 is applicable from 1 revenue recognised in the prior period. Management has also assessed the impact of the adoption of AASB 16 Leases January 2018. The Fund early adopted the standard in 2016. The adoption of AASB 15 did not result in a change in the (mandatory for the financial year ending 30 June 2020). Given that the Fund is not a party to any significant lease revenue recognised in the prior period. Management has also assessed the impact of the adoption of AASB 16 Leases agreements as lessee, and on the basis that this remains the same, the new standard is not expected to have a material (mandatory for the financial year ending 30 June 2020). Given that the Fund is not a party to any significant lease impact on the recognition, measurement and disclosure of lease-related revenues, assets or liabilities. The estimated non- agreements as lessee, and on the basis that this remains the same, the new standard is not expected to have a material lease component in the year ending 30 June 2019 was $2.5 million. impact on the recognition, measurement and disclosure of lease-related revenues, assets or liabilities. The estimated non- lease component in the year ending 30 June 2019 was $2.5 million. Certain new Accounting Standards and Interpretations have been published that are not mandatory for the financial year ended 30 June 2019 but are available for early adoption. They have not been applied in preparing this financial report. The Certain new Accounting Standards and Interpretations have been published that are not mandatory for the financial year Responsible Entity’s assessment of the impact of these new standards and interpretations is set out below. ended 30 June 2019 but are available for early adoption. They have not been applied in preparing this financial report. The Responsible Entity’s assessment of the impact of these new standards and interpretations is set out below. Reference Reference Description Description AASB 16 Leases (Applicable 1 January 2019 – early adoption AASB 16 Leases (Applicable 1 allowed if AASB 15 is adopted at January 2019 – early adoption the same time) allowed if AASB 15 is adopted at the same time) AASB 2018-1 Amendments to Australian Accounting Standards – to AASB 2018-1 Amendments Annual Improvements 2015 – 2017 Australian Accounting Standards – Cycle reporting Annual Improvements 2015 – 2017 periods after 1 January 2019). Cycle reporting periods after 1 January 2019). (Effective (Effective for for 16 introduces AASB new requirements in relation to lease new introduces 16 AASB classification recognition, and requirements in relation to lease measurement and presentation and recognition, and classification disclosure of leases for lessees and measurement and presentation and lessors. For lessees a (right-of-use) disclosure of leases for lessees and asset and a lease liability will be lessors. For lessees a (right-of-use) recognised on the balance sheet in asset and a lease liability will be respect of all leases subject to recognised on the balance sheet in limited exceptions. The accounting respect of all leases subject to lessors will not significantly for limited exceptions. The accounting change. lessors will not significantly for change. Amendments made to the following accounting Amendments made to the following AASB 3 Business Combination; accounting AASB 11 Joint Arrangements; AASB 3 Business Combination; AASB 112 Income Tax; and AASB AASB 11 Joint Arrangements; 13 Borrowing costs. AASB 112 Income Tax; and AASB 13 Borrowing costs. Impact on the Fund’s financial statements Impact on the Fund’s financial statements Given that the Fund is not a party to any significant lease agreements as Given that the Fund is not a party to lessee, and on the basis that this any significant lease agreements as remains the new the same, lessee, and on the basis that this standard is not expected to have a the new the same, remains material impact on the recognition standard is not expected to have a and measurement of lease-related material impact on the recognition revenues, assets or liabilities. and measurement of lease-related revenues, assets or liabilities. The Fund has adopted the standard financial year the current in The Fund has adopted the standard beginning 1 July 2019. financial year the current in beginning 1 July 2019. The Fund does not anticipate that the application of the amendments The Fund does not anticipate that will have a material impact on the the application of the amendments Fund’s financial statement. will have a material impact on the Fund’s financial statement. standards: standards: Several other amendments to standards and interpretations will apply on or after 1 July 2019, and have not yet been applied, however, they are not expected to impact the Fund’s consolidated financial statements. Several other amendments to standards and interpretations will apply on or after 1 July 2019, and have not yet been applied, however, they are not expected to impact the Fund’s consolidated financial statements. (e) Critical accounting judgments and key sources of estimation uncertainty Critical accounting judgments and key sources of estimation uncertainty (e) The preparation of financial statements requires management to make judgements, estimates and assumptions that affect the application of accounting policies and the reported amount of assets, liabilities, income and expenses. Actual results The preparation of financial statements requires management to make judgements, estimates and assumptions that affect may differ from these estimates. Estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to the application of accounting policies and the reported amount of assets, liabilities, income and expenses. Actual results accounting estimates are recognised prospectively. may differ from these estimates. Estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognised prospectively. In particular, information about significant areas of estimation, uncertainty and critical judgements in applying accounting policies that have the most significant effect on the amount recognised in the financial statements is provided in: In particular, information about significant areas of estimation, uncertainty and critical judgements in applying accounting policies that have the most significant effect on the amount recognised in the financial statements is provided in: - - - - 46 Elanor Retail Property Fund | Annual Report 2019 Note 6 Investment properties; and Note 10 Financial risk management (Financial Instruments) Note 6 Investment properties; and Note 10 Financial risk management (Financial Instruments) 39 39 Directors’ Declaration to Stapled Securityholders ELANOR RETAIL PROPERTY FUND DIRECTORS’ DECLARATION TO STAPLED SECURITY HOLDERS In the opinion of the Directors of Elanor Funds Management Limited as responsible entity for Elanor Retail Property Fund I and Elanor Retail Property Fund II: (a) the financial statements and notes set out on pages 20 to 46 are in accordance with the Corporations Act 2001 (Cth), including: i. complying with Australian Accounting Standards, the Corporations Regulations 2001 and other mandatory professional reporting requirements; and ii. giving a true and fair view of the Consolidated Group's and ERPF I Group's financial position as at 30 June 2019 and of their performance, for the financial year ended on that date; and there are reasonable grounds to believe that the Consolidated Group and the ERPF I Group will be able to pay their debts as and when they become due and payable; and the financial statements comply with International Financial Reporting Standards as issued by the International Accounting Standards Board; and the Directors have been given the declarations by the Chief Executive Officer and Chief Financial Officer required by Section 295A of the Corporations Act 2001 (Cth). (b) (c) (d) This declaration is made in accordance with a resolution of the Board of Directors in accordance with Section 295(5) of the Corporations Act 2001 (Cth). Glenn Willis CEO and Managing Director Sydney, 16 August 2019 47 40 Independent Auditor’s Report Deloitte Touche Tohmatsu A.B.N. 74 490 121 060 Grosvenor Place 225 George Street Sydney NSW 2000 Deloitte Touche Tohmatsu PO Box N250 Grosvenor Place A.B.N. 74 490 121 060 Sydney NSW 1220 Australia Grosvenor Place DX 10307SSE 225 George Street Tel: +61 (0) 2 9322 7000 Sydney NSW 2000 Fax: +61 (0) 2 9322 7001 PO Box N250 Grosvenor Place www.deloitte.com.au Sydney NSW 1220 Australia Independent Auditor’s Report to the Stapled Security Holders of Elanor Retail Property Fund and the Unitholders of ERPF I Group DX 10307SSE Tel: +61 (0) 2 9322 7000 Fax: +61 (0) 2 9322 7001 www.deloitte.com.au Opinion Independent Auditor’s Report to the Stapled Security Holders of Elanor Retail Property Fund and the Unitholders of ERPF I Group We have audited the accompanying financial report of: Opinion    We have audited the accompanying financial report of: The consolidated balance sheet as at 30 June 2019, the consolidated statement of profit or loss and other comprehensive income, the consolidated statement of cash flows and the consolidated statement of changes in equity for the year ended on that date, notes comprising a summary of significant accounting policies and other explanatory information, and the directors’ declaration of the consolidated entity Elanor Retail Property Fund, being the consolidated stapled entity (“Elanor Retail Property Fund”) The consolidated balance sheet as at 30 June 2019, the consolidated statement of profit or loss and as set out on pages 20 to 47. The consolidated stapled entity comprises Elanor Retail Property Fund II other comprehensive income, the consolidated statement of cash flows and the consolidated statement (“ERPF II”) and the entities it controlled at the year’s end or from time to time during the year, including of changes in equity for the year ended on that date, notes comprising a summary of significant Elanor Retail Property Fund I (“ERPF I”) and the entities it controlled at year’s end or from time to time accounting policies and other explanatory information, and the directors’ declaration of the consolidated during the financial year end; entity Elanor Retail Property Fund, being the consolidated stapled entity (“Elanor Retail Property Fund”) as set out on pages 20 to 47. The consolidated stapled entity comprises Elanor Retail Property Fund II The consolidated balance sheet as at 30 June 2019, the consolidated statement of profit or loss and (“ERPF II”) and the entities it controlled at the year’s end or from time to time during the year, including other comprehensive income, the consolidated statement of cash flows and the consolidated statement Elanor Retail Property Fund I (“ERPF I”) and the entities it controlled at year’s end or from time to time of changes in equity for the year ended on that date, notes comprising a summary of significant during the financial year end; accounting policies and other explanatory information, and the directors’ declaration of the consolidated entity ERPF I, being the consolidated entity (“ERPF I Group”) as set out on pages 13 to 40. The The consolidated balance sheet as at 30 June 2019, the consolidated statement of profit or loss and consolidated entity comprises ERPF I and the entities it controlled at the year’s end or from time to time other comprehensive income, the consolidated statement of cash flows and the consolidated statement during the year. of changes in equity for the year ended on that date, notes comprising a summary of significant accounting policies and other explanatory information, and the directors’ declaration of the consolidated In our opinion, the accompanying financial report of Elanor Retail Property Fund and ERPF I Group is in entity ERPF I, being the consolidated entity (“ERPF I Group”) as set out on pages 13 to 40. The accordance with the Corporations Act 2001, including: consolidated entity comprises ERPF I and the entities it controlled at the year’s end or from time to time during the year. giving a true and fair view of Elanor Retail Property Fund and ERPF I Group’s financial positions as at 30 June 2019 and of their financial performance for the year then ended; and In our opinion, the accompanying financial report of Elanor Retail Property Fund and ERPF I Group is in accordance with the Corporations Act 2001, including: (ii) complying with Australian Accounting Standards and the Corporations Regulations 2001. (i)  (i) Basis for Opinion giving a true and fair view of Elanor Retail Property Fund and ERPF I Group’s financial positions as at 30 June 2019 and of their financial performance for the year then ended; and complying with Australian Accounting Standards and the Corporations Regulations 2001. (ii) 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 Elanor Retail Property Fund and ERPF I Group, in accordance with the Basis for Opinion auditor independence requirements of 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 We conducted our audit in accordance with Australian Auditing Standards. Our responsibilities under those (the Code) that are relevant to our audit of the financial report in Australia. We have also fulfilled our other standards are further described in the Auditor’s Responsibilities for the Audit of the Financial Report section ethical responsibilities in accordance with the Code. of our report. We are independent of Elanor Retail Property Fund and ERPF I Group, in accordance with the auditor independence requirements of 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 (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. Liability limited by a scheme approved under Professional Standards Legislation. Member of Deloitte Asia Pacific Limited and the Deloitte Network. 41 48 Elanor Retail Property Fund | Annual Report 2019 Liability limited by a scheme approved under Professional Standards Legislation. Member of Deloitte Asia Pacific Limited and the Deloitte Network. 41 We confirm that the independence declaration required by the Corporations Act 2001, which has been given to the directors of Elanor Funds Management Limited (the “Responsible Entity”), 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. 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 for 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. Key Audit Matter How the scope of our audit responded to the Key Audit Matter Investment property valuation At 30 June 2019, Elanor Retail Property Fund recognised investment properties valued at $334.5 million as disclosed in Note 6. Note 6 outlines two valuation methodologies used by Elanor Retail Property Fund. The capitalisation of net income method applies a capitalisation rate to normalised market net operating income. The discounted cash flow method uses a 10 year cash flow forecast and terminal value calculation discounted to present value. The valuation process requires significant judgment in the following key areas:  Discount Rate     Capitalisation Rate Terminal Value NOI Capital Expenditures Accordingly, internal and external valuers apply professional judgement concerning market conditions and factors impacting individual properties. The internal and external valuations are reviewed by management who recommends each property’s valuation to the Audit and Risk Committee and the Board of the Responsible Entity in accordance with Elanor Retail Property Fund’s valuation protocol. Our procedures included, but were not limited to:     Assessing management’s process over the property valuations and the oversight applied by the directors; Assessing objectivity of the external and internal valuers; independence, the competence and Performing an analytical review and risk assessment of the portfolio, analysing the key inputs and assumptions; Assessing the assumptions used in the portfolio, focusing on the capitalisation rate and discount rate with reference trends and transactions and challenging those assumptions where appropriate; to external market  Holding discussions with management to obtain an understanding of portfolio movements and their identification of any additional property specific matters; and  Testing on a risk basis of properties, both externally and internally valued, the following: o o o The integrity of the information in the valuation by agreeing key inputs such as net operating income to underlying records and source evidence; The forecasts used in the valuations with reference to current financial results such as revenues and expenses, capital expenditure requirements, vacancy lease renewals; and rates and The mathematical accuracy of the models. We also assessed the appropriateness of the disclosures included in Note 6 to the financial statements. Other Information The directors of the Responsible Entity (the “Directors”) are responsible for the other information. The other information comprises the Directors’ Report, which we obtained prior to the date of this auditor’s report. The other information also includes the following information which will be included in the Annual Report (but does not include the financial report and our auditor’s report thereon): the Message from the Chairman, Message from the CEO and other documents which are expected to be made available to us after that date. 49 42 Independent Auditor’s Report 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 on the other information that we obtained prior to the date of this auditor’s report, 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. When we read the Message from the Chairman, Message from the CEO and other documents in the annual report, if we conclude that there is a material misstatement therein, we are required to communicate the matter to the directors and use our professional judgement to determine the appropriate action. Responsibilities of the Directors for the Financial Report The directors 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 Elanor Retail Property Fund and ERPF I Group’s ability 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 fund/s or to cease operations, or have 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. As part of an audit in accordance with the Australian Auditing Standards, we exercise professional judgement and maintain professional scepticism throughout the audit. We also:  Identify and assess the risks of material misstatement of the financial report, whether due to fraud or error, design and perform audit procedures responsive to those risks, and obtain audit evidence that is sufficient and appropriate to provide a basis for our opinion. The risk of not detecting a material misstatement resulting from fraud is higher than for one resulting from error, as fraud may involve collusion, forgery, intentional omissions, misrepresentations, or the override of internal control.  Obtain an understanding of internal control relevant to the audit in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of Elanor Retail Property Fund’s and ERPF I Group’s internal control.  Evaluate the appropriateness of accounting policies used and the reasonableness of accounting estimates and related disclosures made by the directors.  Conclude on the appropriateness of the directors’ use of the going concern basis of accounting and, based on the audit evidence obtained, whether a material uncertainty exists related to events or conditions that may cast significant doubt on Elanor Retail Property Fund’s and ERPF I Group’s ability to continue as going concerns. If we conclude that a material uncertainty exists, we are required to draw attention in our auditor’s report to the related disclosures in the financial report or, if such disclosures are inadequate, to modify our opinion. Our conclusions are based on the audit evidence obtained up to the date of our auditor’s report. However, future events or conditions may cause the Elanor Retail Property Fund and ERPF I Group to cease to continue as going concerns. 50 Elanor Retail Property Fund | Annual Report 2019 43  Evaluate the overall presentation, structure and content of the financial report, including the disclosures, and whether the financial report represents the underlying transactions and events in a manner that achieves fair presentation. We communicate with the directors regarding, among other matters, the planned scope and timing of the audit and significant audit findings, including any significant deficiencies in internal control that we identify during our audit. We also provide the directors with a statement that we have complied with relevant ethical requirements regarding independence, and to communicate with them all relationships and other matters that may reasonably be thought to bear on our independence, and where applicable, related safeguards. From the matters communicated with the directors, we determine those matters that were of most significance in the audit of the financial report of the current period and are therefore the key audit matters. We describe these matters in our auditor’s report unless law or regulation precludes public disclosure about the matter or when, in extremely rare circumstances, we determine that a matter should not be communicated in our report because the adverse consequences of doing so would reasonably be expected to outweigh the public interest benefits of such communication. DELOITTE TOUCHE TOHMATSU AG Collinson Partner Chartered Accountants Sydney, 16 August 2019 51 44 Corporate Governance The Board of Directors of Elanor Funds Management Limited as responsible entity of the Elanor Retail Property Fund I and Elanor Retail Property Fund II (Fund) have approved the Fund’s Corporate Governance Statement as at 30 June 2019. In accordance with ASX Listing Rule 4.10.3, the Fund’s Corporate Governance Statement can be found on its website at: www.elanorinvestors.com/ERF The Board of Directors is responsible for the overall corporate governance of the Fund, including establishing and monitoring key strategy and performance goals. The Board monitors the operational and financial position and performance of the Fund, and oversees its business strategy, including approving the Fund’s strategic goals. The Board seeks to ensure that the Fund is properly managed to protect and enhance securityholder interests, and that the Fund, its Directors, officers and personnel operate in an appropriate environment of corporate governance. Accordingly, the Board has created a framework for managing the Fund, including Board and Committee Charters and various corporate governance policies designed to promote the responsible management and conduct of the Fund. 52 Elanor Retail Property Fund | Annual Report 2019 Securityholder Analysis As at 19 August 2019 Stapled Securities The units of the Trusts are combined and issued as stapled securities in the Fund. The Fund’s securities are traded on the Australian Securities Exchange (ASX: ERF), having listed on 9 November 2016. The units of the Trusts cannot be traded separately and can only be traded as stapled securities. In accordance with the ASX’s requirements for stapled securities, the ASX reserves the right (but without limiting its absolute discretion) to remove a Trust from the ASX Official List if any of the units cease to be stapled together or any equity securities issued by the Trusts which are not stapled to equivalent securities in the other entity. Top 20 Securityholders Number Securityholder No. of Securities % Elanor Investment Nominees Pty Limited 23,026,082 17.89 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 J P Morgan Nominees Australia Pty Limited The Trust Company (Australia) Limited HSBC Custody Nominees (Australia) Limited HSBC Custody Nominees (Australia) Limited - A/C 2 Citicorp Nominees Pty Limited Kenxue Pty Ltd HSBC Custody Nominees (Australia) Limited-Gsi Eda BNP Paribas Noms Pty Ltd Armada Investments Pty Ltd Berg Family Foundation Pty Ltd Pinwillow Pty Ltd Kindol Pty Ltd Sargon Ct Pty Ltd Kenxue Pty Ltd Yarramalong Management Services Pty Limited Oksar Pty Ltd Basapa Pty Ltd Bond Street Custodians Limited 20 Carwoola Pty Ltd Total Balance of Register Grand Total 11,564,834 10,984,465 8,699,052 6,882,553 5,971,403 4,848,518 2,957,447 2,153,747 1,822,222 1,366,667 1,366,667 1,308,960 1,269,943 1,057,961 940,119 827,779 825,927 822,223 755,408 8.98 8.53 6.76 5.35 4.64 3.77 2.30 1.67 1.42 1.06 1.06 1.02 0.99 0.82 0.73 0.64 0.64 0.64 0.59 89,451,977 69.49 39,277,778 30.51 128,729,755 100.00 53 Securityholder Analysis As at 19 August 2019 Range Report Range 100,001 and over 10,001 to 100,000 5,001 to 10,000 1,001 to 5,000 1 to 1,000 Total No. of Securities % No. of Holders 114,352,466 13,775,906 444,967 149,354 7,062 88.83 10.70 0.35 0.12 0.01 128,729,755 100.00 125 369 55 47 31 627 The total number of securityholders with an unmarketable parcel of securities was 22. Substantial Securityholders Securityholder Elanor Investment Nominees Pty Ltd ATF Elanor Investment Trust Moelis Australia Asset Management Limited Ellerston Capital Voting rights No. of Securities 23,026,082 20,395,087 9,925,087 % 19.94 58.85 8.77 7.50 4.94 100.00 % 17.89 15.84 7.71 On a poll, each securityholder has, in relation to resolutions of the Trusts, one vote for each dollar value of their total units held in the Trust. On-Market Buy-back There is no current on-market buy-back program in place. 54 Elanor Retail Property Fund | Annual Report 2019 Corporate Directory Elanor Investors Group (ASX Code: ERF) Elanor Funds Management Limited (ACN 125 903 031) is the Responsible Entity of Elanor Retail Property Fund I (ARSN 615 054 129) (ERPF I) and Elanor Retail Property Fund II (ARSN 615 054 174) (ERPF II) each a Trust and together the Elanor Retail Property Fund Level 38 259 George Street Sydney NSW 2000 T: +61 2 9239 8400 Directors of the Responsible Entity Paul Bedbrook (Chairman) Glenn Willis (Managing Director and CEO) Nigel Ampherlaw Kin Song Lim Anthony (Tony) Fehon Company Secretary of the Responsible Entity Symon Simmons Security Registry Computershare Investor Services Pty Limited Level 3 60 Carrington Street Sydney NSW 2000 Auditors Deloitte Touche Tohmatsu Grosvenor Place 225 George Street Sydney NSW 2000 Custodian The Trust Company (Australia) Limited Level 18 123 Pitt Street Sydney NSW 2000 Website www.elanorinvestors.com/ERF 55 Level 38, 259 George Street Sydney NSW 2000 T: +61 2 9239 8400 elanorinvestors.com/ERF

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