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Gowing Bros. Limited

gow · ASX Financial Services
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FY2024 Annual Report · Gowing Bros. Limited
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Gowings Family

Executive Chairman and Managing 
Director's Review of Operations
Gowings at a Glance 
(at Directors’ Valuation)
Remuneration Report
Key metrics
Sustainability Programme
Financial Report
Financial review
Strategic Investments
ASX Listing Requirements
Profit and Loss Statement
Directors’ Report
02
12
06
27
04
20
07
28
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24
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CONTENTS
Directors
Mr. John Gowing (Executive Chairman and 
Managing Director) 
Mr. Sean Clancy (Non-executive Director) 
Mr. John Parker (Non-executive Director) 
Mr. James Davis (Non-executive Director) 
Mr. James Gowing (Executive Director - 
Finance)
Associate Directors
Mr. Ellis Gowing
Secretary
Mr. Ian Morgan
Stock Exchange Listing
The Australian Securities Exchange 
Ticker Code: GOW
Registered Office
The Gowings Building 303 / 35-61 
Harbour Drive Coffs Harbour, NSW, 2450 
Australia T +61 2 9264 6321 
Email: info@gowings.com
Share Registry Office
Computershare Investor 
Services Pty Limited 
Level 3, 60 Carrington Street 
Sydney NSW 2000 
Phone: 1300 855 080 
Fax: 61 2 8234 5050
Auditors
William Buck 
Level 29, 66 Goulburn Street 
Sydney NSW 2000 
Phone: 61 2 8263 4000
ABN
68 000 010 471
ACN
000 010 471
CORPORATE DIRECTORY

REDUCING OUR FOOTPRINT
Gowings continues to investigate and implement sustainability initiatives across all areas of our business 
operations. Our fundamental aim is to have the smallest impact possible on the environment. Initiatives either 
commenced, under investigation or completed include:
Kempsey Central rooftop solar system.
Completed
Coffs Central rooftop solar. 
Completed
Coffs Central green waste composting system. 
Completed
EV Charging Stations.
Installed
Comprehensive independent review of Gowings  
Mid North Coast operations with the goal of installing substantial 
solar and renewable energy micro grid.
Coffs Central Solar in place, with 
other measures to be reviewed. 
Preliminary investigation for feasibility of installing a community 
geothermal system at Sawtell Commons which could provide up to 
20% continuing energy savings annually for residents.
Ongoing engagement with CHCC
Independent report on best sustainable practices for packaging & 
product development at Gowings SHI has been received.
Shift to recycle/able packaging 
underway
Carbon capture project at Logie Farm
Underway
(iii) 	The continuing sales of lots in 
stage 3 at Sawtell Commons, 
which have been a significant 
contributor to group cash 
flow and earnings.
(iv) 	The completion of the 
installation of solar panels 
on the rooftop car park 
at Gowings Coffs Central. 
Providing both shade for 
shoppers parking and a 
material saving in annual 
energy bills.
On the ground, we have 
continued to see a rebound in 
foot traffic and trading in our Mid 
North Coast Shopping Centres, 
in fact comparable sales at our 
3 Shopping Centres have grown 
from $149 million in 2019 to $164 
million per annum in 2024.
We have continued to see 
strong interest in leasing and 
have opened several new shops 
with more in the pipeline. 
The recently opened shared 
workspace on level one in 
Coffs Central, “G Sphere” is 
performing very well.
Our flagship store “Gowing’s 
Pacific Traders”, on the 
ground floor of Coffs Harbour 
showcases our ocean lifestyle 
brands, FCS, Alvey, and Gorilla 
Grip and whilst trade has been 
slower than we would have 
liked, it is trending in the right 
direction.
Most of our retail leases have 
a percentage of turnover 
provision or an annual CPI uplift 
which over the medium term 
protects the underlying value 
of our shopping centres during 
the ‘new normal’ period of 
inflation. As such our Shopping 
Centres remain a good hedge 
against inflation over the long 
We appear to have entered a 
new period of Global Reserve 
Banks monetary policy easing, 
with interest rates lowering 
in the US, Europe, Canada 
and NZ. The recently reported 
annual inflation rate of 2.7% 
in Australia is within the RBA’s 
target range and should presage 
lower interest rates in Australia 
in the near future. Should this 
transpire it will be good for all 
our business segments. In the 
meantime it feels like we are 
positioned in the twilight zone.
I am pleased to report that in this 
difficult financial environment, 
our financial team was able to 
refinance our long term debt 
facility on more flexible terms 
with St George Bank.
There have been a number of 
significant achievements made 
during the year which are worthy 
of mention:
(i) 	 Successfully negotiating the 
renewal of the lease with Coles 
at Gowings Kempsey Central.
(ii) 	The takeover of our long 
term investment in DICE 
Molecules by Eli Lilly, 
resulting in a capital gain of 
approximately $6 million.
Reviewing the results following the end of our 156th year of trading, the key and overwhelming impact 
continues to be the 13 interest rate increases imposed by the Reserve Bank of Australia, and associated 
monetary policy tightening by most of the world’s central banks which has had a significant impact on global 
consumer sentiment. This has caused and continues to cause a significant reduction in sales and profitability  
at Gowings Surf Hardware International and a significant increase in the groups long term interest expenses.
term. Particularly now that the 
replacement cost of our centres 
is higher than the carrying 
value and thereby creating a 
significant barrier to entry for 
new players.
Major construction work on 
the Raymond Terrace and 
Coffs Harbour Bypasses is well 
underway with completion 
of both expected by 2028. 
These are projects with 
national significance and are 
estimated to cost circa $4.3 
Billion. Gowings North Coast 
property holdings will be major 
beneficiaries of these very 
worthy projects.
GOWINGS SURF 
HARDWARE 
INTERNATIONAL 
GSHI continues to face difficult 
global economic headwinds with 
interest rates high, consumers 
having less discretionary income 
and overall sales down on the 
prior year. On a positive note, 
online sales are significantly 
higher than the prior year at 
$4M and warehousing has been 
moved from Mona Vale to Coffs 
Harbour, resulting in ongoing 
cost savings and efficiencies for 
the Group.
SAWTELL COMMONS
Stage 3 at Sawtell Commons 
is now complete, there have 
been 40 blocks of land sold 
and contracts exchanged. The 
market in Coffs Harbour for 
vacant residential land has 
slowed somewhat. Preliminary 
approval work for Stage 4 
consisting of 31 lots is underway 
with an aim for them to be 
completed in 2025. Construction 
has commenced on The Coffs 
Harbour Bypass, which is a 
positive catalyst for economic 
activity and skilled employment 
in the area.
DIVIDENDS
The Group has generated strong 
development property cash-
flows and will be declaring a final 
3.45c fully franked LIC dividend.
The Company believes in 
maintaining a prudent approach 
to dividends given the capital 
requirements of the Company 
across various developments 
and investment opportunities 
either underway or under 
consideration.
OUTLOOK
The outlook has improved with 
CPI moving into the target range 
and rate cuts likely for next 
year, which will relieve financial 
pressure for our tenants and 
customers.
Thank you to all our team 
members and the wider Gowings 
community for their continuing 
support.
J. E. Gowing 
Executive Chairman and 
Managing Director
EXECUTIVE CHAIRMAN AND MANAGING DIRECTOR'S  
REVIEW OF OPERATIONS
3
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
GOWING  BROS.  LIMITED
2
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
INVESTING  TOGETHER  FOR  A  SECURE  FUTURE

For the year ended
31 July 2024
31 July 2023
31 July  2022
31 July 2021
31 July 2020
 
 
 
 
 
Net Assets¹
$203.6m
$205.7m
$215.5m
$208.6m
$195.5m
Net Assets per Share²
$3.84
$3.86
$4.03
$3.89
$3.64
Net profit after tax
($0.04)m
($5.3)m
$10.9m
$10.4m
$4.7m
Earnings per Share
(0.07) c
(9.91)c
20.42c
19.35c
8.82c
Dividends paid per Share
6.0c
7.0c
8.0c
7.0c
10.0c
Total Shareholder Return
1.1%
(2.5%)
5.7%
8.8%
(2.3%)
¹Net Assets before tax on unrealised gains on equities, private equities, investment properties, and freehold properties. 
²Net Assets per share before tax on unrealised gains on equities, private equities, investment properties, and freehold properties.
The Company meets the definition of a Listed Investment Company (“LIC”) for taxation purposes. Certain shareholders of the Company, 
including individuals, trusts, partnerships and complying superannuation entities may benefit from the Company’s LIC status by being 
able to claim a tax deduction for the part of the dividend that is attributable to LIC capital gains made by the Company. The amount that 
shareholders can claim as a tax deduction depends on their individual situation. As an example, an individual, trust (except a trust that is a 
complying superannuation entity) or partnership who is an Australian resident taxpayer at the date a dividend is paid would be entitled to a 
tax deduction equal to 50% of the amount attributable to LIC capital gains included in the dividend.
KEY METRICS
On behalf of the Board of Directors, I am pleased to comment on the results for the year ended 31 July 2024.
DIVIDENDS DECLARED PER SHARE
The Company declared a total dividend of $0.0645 in fully franked 
dividends for the 2024 year. 
The Company has maintained a prudent approach to dividends 
given the capital requirements of the Company having various 
development and investments opportunities currently either 
underway or under consideration.
$0.05
$0.08
$0.03
$0.00
$0.02
$0.01
$0.04
$0.07
$0.06
$0.09
2024
2020
2021
2022
2023
$0.02
$0.02
$0.0645
FINANCIAL REVIEW
REVIEW OF OPERATIONS (CONTINUED)
$0.08
$0.06
$0.06
$0.06
Net assets per share before tax on unrealised gains on equity, 
investment properties and private equities was at $3.84 as at 31 
July 2024. Total shareholder return was 1.1% including the 6.0c 
paid to Shareholders during the year.
NET ASSETS PER SHARE
$4.00
$4.10
$3.80
$3.90
$3.60
$3.70
$3.40
$3.50
$3.89
$4.03
$3.86
$3.64
$3.84
2021
2020
2022
2023
2024
Income After Tax for the year ended 31 July 2024 includes underlying 
income from ordinary activities such as rent, interest, dividends and 
revaluations of the investment portfolio.
OPERATIONAL PROFIT ($MILLION)
2.0
-4.0
-6.0
0.0
10.0
12.0
8.0
6.0
4.0
-2.0
-5.3
11.3
7.7
3.3
-0.04
2022
2021
2023
2024
2020
TOTAL REGULAR DIVIDEND PER SHARE 
$0.0645
NET ASSETS PER SHARE
$3.84
NET ASSETS
$203.6M
EARNING PER SHARE
(0.07)C
DIVIDENDS DECLARED PER SHARE
$0.0645
TOTAL SHAREHOLDER RETURN
1.1%
NET LOSS AFTER TAX
$0.04M
4
5
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
GOWING  BROS.  LIMITED
GOWING  BROS.  LIMITED

31 July 2024 
$’000 
31 July 2023 
$’000 
Net Income from Ordinary Activities
Cobram Estates Olives
16,759
12,783
Surf Hardware International (at cost)
16,000
16,000
Carlton Investments 
6,362
6,129
Power Pollen Accelerated Ag Technologies
1,538
1,541
SYMBYX
800
600
EFTsure 
738
738
Woolworths Group Ltd
690
-
Eratos
500
500
Tasmanian Oyster Company
480
480
Space X
458
-
Perpetual Limited
443
-
Australian Foundation Investments
431
418
BHP Group Limited
423
460
Other Investments – Australia
10,318
10,975
Other Investments – International
2,965
9,272
Total
58,905
59,896
Private Equity Funds
Our Innovation Fund I 
2,919
2,775
OurCrowd Australia
624
916
Our Innovation Fund II
582
569
Skalata Fund II
293
289
Other Private Equity Funds
780
682
Total
5,198
5,231
Pacific Coast Shopping Centre Portfolio
Sub-regional and Neighbourhood shopping centres 
189,030
187,885
Borrowings
(95,865)
(94,310)
Total
93,165
93,575
Other Direct Properties
Properties under development¹ 
13,439
17,020
Properties available for development¹
14,697
12,498
Other properties
1,138
1,124
Total
29,274
30,642
Cash and Other
Cash (AUD)
5,104
10,355
Cash (USD)
8,555
4,620
Tax Liabilities
(12,631)
(11,218)
Surf Hardware International Consolidation Impact2
(3,718)
(4,804)
Other Assets and Liabilities
19,762
17,424
Total
17,072
16,377
Net assets before tax on unrealised gains on equities, investment properties and private equities
203,614
205,721
Provision for tax on unrealised gains on equities, investment properties and private equities
(9,359)
(10,369)
Net assets after tax on unrealised gains on equities, investment properties and private equities
194,255
195,352
Net Investment Property income of $4.7 million is a stable result with CPI and interest rates running high. The majority of the decrease is 
attributable to increased amortisation on incentives for new store openings. All our centres are performing well considering the general 
headwinds.
Net Development Property income of $4.5 million represents a strong result for sales at Sawtell Commons in the current reporting period. 
Stage 3 has been registered and made available for sale and we have sold through the majority of the lots with additional settlements 
occurring post year end.
Surf Hardware International net loss of $2.1 million was driven predominantly by overseas market conditions and deteriorating sales in all 
geographies, but Japan in particular. We have put into place significant cost saving measures and will be monitoring closely to take further 
action if needed. We believe sales will recover slowly over the next 12 – 24 months as the interest rate drops and economic backdrop 
improves.
Overall Total Net Income from Ordinary Activities of $8.6 million represents a 5% decrease on the prior year primarily driven by the underlying 
performance of Surf Hardware International globally.
Non-recurring expenses relate to costs associated with moving Head Office and Australian warehousing facilities for Surf Hardware 
International to Coffs Harbour, including make-good expenses. Additionally, $500,000 of goodwill relating to Gowings Surf Hardware was 
written off in the current year.
Overall, the loss after tax was $0.04 million compared to the previous year which was a loss of $5.3 million.
¹ Indicative appraisals and internal valuations indicate that there is approximately $27.4M of underlying additional value across our development property  
   portfolio. The increase is primarily due to the uplift on Sawtell Commons, Solitary 30 and 4 Moonee Beach Road.
2 Difference between the investment in Surf Hardware International (at cost) and net assets attributable to the group on consolidation.
For the year ended
31 July 2024 
$’000 
31 July 2023 
$’000 
Net Income from Ordinary Activities
Interest Income
709
360
Investment Properties
4,735
5,092
Development Properties
4,468
3,407
Equities – Dividend Income
768
1,392
Managed Private Equities
65
104
Surf Hardware International
(2,100)
(1,258)
Total Net Income from Ordinary Activities
8,645
9,097
Head Office Expenses
Administration, Public Company and Other
6,714
6,292
Operational Profit
1,931
2,805
Gain/(loss) on sale or revaluation
Investment Properties – unrealised 
-
(13,271)
Investment Properties – realised
(341)
(15)
Managed Private Equity – unrealised
(112)
(86)
Managed Private Equity - realised
(102)
380
Derivatives (Fixed Interest Rate Hedge) - realised
313
(78)
Other
Other Income
139
663
Non-recurring expenses
(2,237)
-
Loss Before Tax
(402)
(9,602)
Income Tax Benefit
370
4,317
Loss After Tax
(39)
(5,285)
PROFIT AND LOSS STATEMENT
GOWINGS AT A GLANCE (AT DIRECTORS' VALUATION)
REVIEW OF OPERATIONS (CONTINUED)
REVIEW OF OPERATIONS (CONTINUED)
6
7
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
INVESTING  TOGETHER  FOR  A  SECURE  FUTURE
GOWING  BROS.  LIMITED

Woolworths Group Ltd 
($0.69 M)
Woolworths Group is an Australian 
multinational retail company, founded 
in Sydney in 1924. It operates primarily 
Woolworths supermarkets across Australia, 
Woolworths in New Zealand and Big W. Also 
included in the portfolio is Petbarn, a smaller 
retail pet store operated across Australia. As 
the biggest retailer in Australia, they are at 
the forefront of technology across customers, 
logistics and distribution.
www.woolworthsgroup.com.au
Carlton Investments ($6.36 M) 
Carlton Investments (CIN) was incorporated 
in 1928 and has a long-standing and expert 
interest in the hotel business and cinema 
industries. Founded by Sir Norman Rydge 
and currently Chaired by his son Alan Rydge 
AM, their primary business is the purchase 
and retention of carefully selected shares 
that provide attractive levels of sustainable 
income and the potential for long term 
capital growth. Carlton Investments carries 
no debt and has the objective of consistently 
generating fully franked dividends with a 
minimal risk profile.  
www.carltoninvestments.com.au
Perpetual Limited($0.44 M)
Perpetual Group is a diversified financial 
services company which has been serving 
Australians since 1886 when it was 
established as a trustee company by a group 
of businessmen including Sir Edmund Barton, 
later to be Australia’s first Prime Minister. 
That trustee heritage – and the culture it 
created in putting clients first – is what 
makes Perpetual unique.
www.perpetual.com.au
Gowings Surf Hardware 
International ($16 M at cost)
The post pandemic slowdown continues 
to impact the surf industry from that 
experienced in FY23. As a result, Gowings Surf 
Hardware International (GSHI) sales fell 11% to 
$36.7m in FY24. GSHI has continued to focus on 
managing and monitoring appropriate levels 
of stock and ensuring margins are achieved 
as these economic headwinds continue to 
challenge GSHI on numerous fronts.
A number of major projects were completed 
during the FY24 year including the completion 
of the GSHI relocation to Coffs Harbour from 
Mona Vale, the completion of the transition to 
a new enterprise-resource-planning tool for 
the majority of all operational regions (Japan 
is currently underway – ETC is Feb 25) and 
opening of the new Gowings Pacific Trader 
retail store in Coffs Harbour. During the year, 
Alvey Reels has been integrated into the GSHI 
portfolio.
Continued focus is being applied on building 
and enhancing our existing direct-to-consumer 
(DTC) sales channel. Positively, significant 
gains were achieved in FY24, with DTC 
revenue increasing 34% to $4.174m. Continued 
investment in this platform combined with the 
operational synergies now being achieved with 
the new enterprise resource planning tool will 
enable further growth. 
Work continues on building a purpose-built 
warehouse and manufacturing facility to 
meet our goal of local production in the Coffs 
Harbour region. 
GSHI remains committed to the Gowings 
Whale Trust, continuing to donate 1% of total 
GSHI revenue.
www.surfhardware.com.au
Cobram Estate Olives ($16.7 M) 
Cobram Estate (CBO) commenced operations 
in 1998 as a family affair and has matured 
into a large undertaking with some 6,500 
hectares of olive groves in production in 
Victoria and 100 staff. With olive farm and 
milling operations in both Australia and the 
USA, CBO is a leader in the Australian olive 
industry and an innovator in sustainable olive 
farming. Premium brands include Cobram 
Estate and Red Island. 
www.cobramestate.com.au
BHP Billiton ($0.423 M)
BHP Billiton (BHP) founded in 1851 is a 
world leader in the diversified resources 
industry. They provide materials for essential 
infrastructure aiming to continuously improve 
economic development and living standards. 
They manage the portfolio of assets in highly 
attractive commodities growing value through 
excellence in operations and acquiring the 
right assets and options whilst managing 
capital allocation.
www.bhp.com
Australian Foundation 
Investments ($0.43 M)
Australian Foundation Investments (AFI) 
is one of the largest and oldest listed 
investment companies in Australia. Founded 
in Melbourne in 1928 they specialise in 
managing a portfolio of Australian equities 
and take a long term, conservative approach 
to investing which closely aligns with 
Gowings’ own values. This minimises dealing 
costs and has historically provided investors 
with sound, tax-efficient, long-term returns.  
Their diversified portfolio ensures they are 
not overexposed in any one particular sector
www.afi.com.au
restaurants and bars surrounding the surf 
lake providing a full immersion experience for 
visitors and locals alike.
www.surf-lakes.com
SYMBYX ($0.8 M)
SYMBYX is a Sydney based medical 
technology company. Founded in 2019 they 
are developing device based light therapies 
(photobiomodulation) to treat and provide 
symptomatic relief from pain and discomfort 
for people living with chronic diseases such 
as Parkinson’s, dementia, Crohn’s Disease 
and diabetes. They work with research 
partners and clinicians in Australia, Portugal, 
Germany and the United Kingdom and clinical 
trials are well advanced in a number of key 
geographies. 
www.symbyxbiome.com
Power Pollen ($1.53 M)
Power Pollen is an American company 
based in Ames, Iowa who have developed 
a pollination capability that increases crop 
yields, specifically in corn and wheat. The 
process allows the producer to time their 
crop pollination, rather than rely on the 
variability of nature and to develop specific 
crop attributes to increase cropping yields. 
The technology can increase the ratio of 
female to male corn plants 3 fold and as 
the females are fruit bearing, crop yield is 
significantly increased. The company has 
received strong support from the local United 
States market with the Iowa Corn Growers 
Association an early equity investor. 
www.powerpollen.com
SPACEX ($0.45 M)
SpaceX designs, manufactures, and launches 
advanced rockets and spacecraft, aiming to 
reduce space transportation costs and enable 
the colonisation of Mars. It operates Starlink 
and Starshield. Starlink enables speed 
internet around the world through satellites, 
requiring no cables and expensive on ground 
infrastructure. Starshield leverages SpaceX’s 
Starlink technology and launch capability to 
support national security efforts.
www.spacex.com
Wholesale Investor ($0.4 M)
Wholesale Investor, based in Sydney, is a 
global venture investment platform. They 
connect emerging innovative companies 
seeking capital with investors. With a 
growing ecosystem of 30,000 high net worth 
investors, family offices, venture capital and 
private equity firms, government bodies and 
industry participants, their platform allows 
convenient and simple access to investment 
opportunities from a broad range of emerging 
business opportunities. 
www.wholesaleinvestor.com.au
Surf Lakes Global ($0.3 M)
Surf Lakes is exactly what it sounds like, a lake 
you can surf on. With a prototype surf park 
in Yeppoon, Australia consistently producing 
multiple surfable waves using a contoured 
lakebed. The swell is created using a hydraulic 
plunge wave machine in the lake centre and 
in this respect differs from traditional surf 
parks where, usually, only a single wave is 
produced. The team envisage accommodation, 
STRATEGIC INVESTMENTS
REVIEW OF OPERATIONS (CONTINUED)
Tasmanian Oyster Company 
($0.48 M)
The Tasmanian Oyster Company was founded 
in 1979 and has more than 220 hectares of 
pristine Tasmanian waters. They are the 
largest vertically integrated oyster business 
in Australia with hatcheries, growing farms, 
harvest, sales and distribution. The company 
has a strong focus on sustainability and is 
certified organic by the National Association 
for Sustainable Agriculture Australia. Their 
oysters are among the highest quality 
produced in Australia and are sold both 
as spat and as mature oysters in both the 
domestic and international markets with 
strong interest from countries such as Japan, 
Singapore and Vietnam. 
www.tasmanianoysterco.com.au 
EFTSure ($0.73 M)
EFTSure provides a bank detail verification 
service that minimises the risk of fraudulent 
invoices being paid. It matches the account 
details for suppliers of goods and services 
in a business’ payment system, (generally a 
banking portal), by verifying the creditor’s 
account name, BSB and account number 
and matching it with the Australian Business 
Registry data. Gowings use the system for 
their online payments as a safeguard against 
payment fraud and the automated nature 
of the system provides material operational 
efficiencies. 
www.get.eftsure.com.au
Our Innovation Fund I, II & III 
($3.71 M)
Our Innovation Fund and its successors were 
both launched by OurCrowd with a specific 
focus on Australian tech start-ups. Based in 
Sydney they target high net worth investors 
only and manage a pool of capital that is 
carefully invested into technology focused 
start-ups with. No significant updates have 
occurred in the current reporting period 
www.oifventures.com.au
OurCrowd Australia($0.62 M)
OurCrowd was founded in 2013 in Jerusalem, 
Israel by Jonathan Medved with the aim to 
build a pool of venture capital for investing 
in start-ups worldwide. They have offices in 
the United States, United Kingdom, Spain, 
Canada, Australia, Brazil, and Singapore and 
are democratising access to private equity 
investing via an easily accessible and user 
friendly online platform. OurCrowd also invest 
in many of the start-ups and open the door 
for retail investors to invest on the same 
terms. In the current period a small number of 
realisations and write-offs have reduced the 
balance of the underlying investment portfolio.
www.ourcrowd.com
LISTED AUSTRALIAN SHARES
UNLISTED SHARES
PRIVATE EQUITIES
9
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
GOWING  BROS.  LIMITED
8
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
INVESTING  TOGETHER  FOR  A  SECURE  FUTURE

PACIFIC COAST SHOPPING CENTRE PORTFOLIO
OTHER INVESTMENTS PROPERTIES & PROPERTIES UNDER DEVELOPMENT
STRATEGIC INVESTMENTS
REVIEW OF OPERATIONS (CONTINUED)
Retail Sales Growth & Resilience
This year has presented a challenging environment for our portfolio of Shopping Centres, driven largely by rising 
 interest rates and increased cost-of-living pressures that have weighed heavily on consumer spending. While we  
began the year with positive momentum, particularly in essential and non-discretionary categories, the latter half  
of the year has seen a deceleration in sales growth across the board, as customers have become more cautious in  
their spending habits.
Despite these headwinds, our Centres have remained resilient, maintaining a steady flow of foot traffic and tenant 
occupancy. However, the current economic climate has made Leasing more challenging, with some retailers delaying 
expansion plans or seeking shorter lease terms. We have responded by refining our leasing strategies and supporting  
our tenants through targeted marketing initiatives, ensuring that our centres continue to serve as vibrant community hubs.
Looking ahead, we remain cautiously optimistic about the coming year. As inflationary pressures are expected to ease 
and the economy stabilises, we anticipate a gradual recovery in consumer confidence and spending. With our continued 
focus on enhancing the shopping experience and adapting to market conditions, we believe our Shopping Centres are 
well-positioned to capitalise on these improving economic conditions.
Coffs Central 
We are pleased to welcome several exciting 
new retailers to Coffs Central, including 
Phan's Kitchen, a modern and vibrant 
Vietnamese offer, as well as flagship 
stores for Gowings Pacific Trader and Alvey 
Fishing Reels—both iconic brands that add 
significant appeal to our centre. In addition, 
Nail Style Central and Coffs Central Barber 
have recently opened, further enhancing our 
diverse retail mix.
These new openings are a testament to 
the ongoing belief in the future of Coffs 
Central, even amidst challenging economic 
conditions. The leasing pipeline and enquiry 
levels remain strong, and we are working 
with several more exciting retailers who  
will be opening in the coming months.
We also continue to explore further 
development opportunities at Coffs Central, 
including the DA-approved hotel, rooftop 
apartments, and office tower expansion.
Sawtell Commons 
Sawtell Commons Stage 3 has been 
completed and we have realised $8.73 
million in gross sales in the current 
reporting period. These sales have been 
made at good prices and overall profit 
generated from the Sawtell Development 
was $4.52 million. Preliminary planning 
works are underway for Stage 4, consisting 
of 31 lots, with an aim for them to be 
completed in 2025. 
Solitary 30 
Solitary 30 (Coffs Harbour Jetty Precinct) 
has a range of staged and un-staged 
architectural plans currently under 
consideration but with the current NSW 
government Jetty Foreshores development 
project struggling to gain community 
acceptance, we are taking a cautious 
approach to our planning. 
Logie Farm and Pipers Brook 
In March 2022, the Company purchased 
two properties in Tasmania with the view 
that agriculture in Tasmania reflects a 
viable long-term industry with demand for 
boutique and artisan Australian produce 
growing internationally and locally. The two 
properties are strategically located in the 
South and North of Tasmania respectively 
and both represent agricultural and 
development opportunities.
Port Central
Port Central continues to trade well, with a strong retail mix 
already in place. Our focus remains on maintaining this robust mix 
of retailers while actively pursuing new opportunities to further 
enhance the centre's appeal. Additionally, we have been approved 
for a boutique liquor license and Kaleidoscope has opened, a 
showcase for local makers.
We are also exploring various capital upgrades, remixing strategies, 
and redevelopment opportunities to elevate the overall experience 
for both our retailers and shoppers. Work is underway to plan 
for future-proofing the centre and we are in talks with prominent 
Australian retailers.
Kempsey Central
During the year we have renewed Coles at Kempsey on a ten year 
lease. We have also been granted a boutique liquor license and we 
plan to open the new bottle shop prior to Christmas. Overall trading 
conditions remain challenging but there are a number of national 
tenants we are in discussions with to take on some spaces within 
the centre
11
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
GOWING  BROS.  LIMITED
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156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
INVESTING  TOGETHER  FOR  A  SECURE  FUTURE

SHOPPING CENTRES
Gowings continues its commitment to minimising our environmental 
impact. Our goal is to become a net zero company as soon as feasibly 
possible. Gowings has a long history of being environmentally 
proactive with a range of initiatives including the Gowings Whale 
Trust which was established in 2001.
Completed Initiatives
Expert consultancy firms were engaged to 
identify improvements to our three centres 
with regard to waste generation, water use, 
and electricity consumption. A range of 
recommendations have been progressed.
Port Central and Coffs Central have 
introduced recycling and coffee cup 
separation bins. Coffs Central has an organic 
composter allowing us to divert food waste 
from landfill. A rooftop garden has been 
planted at Coffs Central. Kempsey Central 
now has a 99kw solar system installed that 
significantly reduces the centre’s carbon 
emissions. Coffs Central’s 400kW rooftop 
solar system is now in operation. Port and 
Coffs now have EV charging stations. All 
centre lighting has been converted to LED.
Future Plans
Plans are underway to augment existing 
centre PV (solar) capacities with a 400kW 
rooftop solar systems installed at both Port. 
This will bring the combined total solar 
system output to 1,128kW, (this equates to 
enough generated electricity to power 112 
homes per annum).
Sizing was determined by the 
aforementioned independent report and 
should cover our energy needs on a day to 
day basis (weather permitting), significantly 
reducing our energy consumption, carbon 
emissions, and reliance on the grid.
We are also exploring the possibility of each 
centre establishing an embedded network 
whereby retailers can purchase solar 
electricity from Gowings at favourable rates.
Completed Initiatives
Sawtell Commons is a free hold land 
subdivision however we have sought 
to identify estate wide energy saving 
opportunities. Including geothermal heating 
and cooling, heat pump technology, rainwater 
harvesting, a community battery, and a 
virtual power plant/microgrid.
Some preliminary geothermal work has 
taken place with 3 pilot sites drilled and 
thermally tested with initial findings positive. 
An independent engineer has designed a 
community wide system and undertaken 
a financial feasibility study. The system is 
workable considering the cost, conversations 
continue with the local council.
Future Plans
Paired with the aforementioned geothermal 
system we are researching a community 
microgrid and battery so residents can store 
electricity generated by solar and then sell 
energy to each other and to the grid as a 
group enabling them to achieve better prices.
Gowings plan on retaining a number of lots 
to establish a build-to-rent initiative as we 
will have complete control over this aspect 
we plan to incorporate geothermal and 
battery system in the project.
SUSTAINABILITY PROGRAM
REVIEW OF OPERATIONS (CONTINUED)
SAWTELL COMMONS (220 LOT 
SUBDIVISION IN BONVILLE SOUTH 
OF COFFS HARBOUR)
LAND DEVELOPMENT
SAWTELL COMMONS
LOT SUBDIVISION
220
12
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156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
INVESTING  TOGETHER  FOR  A  SECURE  FUTURE
GOWING  BROS.  LIMITED

GOWINGS SURF HARDWARE 
INTERNATIONAL
INVESTMENTS
GOWINGS WHALE TRUST
Completed Initiatives
GSHI manufactures a range of globally 
recognised surf sport related brands 
including FCS, Gorilla Grip, Softech, 
Kanulock, and Hydro. Currently 1% of 
all sales generated goes to the Gowings 
Whale Trust helping to fund initiatives 
safeguarding our seas and reducing waste 
in the ocean. A report into eliminating 
single use plastics in packaging has been 
completed with the findings currently being 
implemented.
Future Plans
The 1% for the Gowings Whale Trust plan will 
continue in the foreseeable future and GSHI 
packaging will be shifted away from single 
use plastics to cardboard wherever possible. 
Longer term the aim is to shift production 
to the use of recycled materials. As a surf 
travel business, it is integral to Gowings Surf 
Hardware International’s future that GSHI 
minimise any negative impacts on the ocean 
and environment generally.
Completed Initiatives
The day to day running and practices 
of the majority of Gowings investments 
are, generally speaking, outside of our 
immediate control and this applies to 
our share portfolio and venture capital 
investments. Gowings have, however, 
invested in two farming properties in 
Tasmania that enable us to implement  
best practice farming while also assisting  
in facilitating future developments.
Completed Initiatives
Established in 2001, the Gowings Whale 
Trust seeks to preserve and promote 
whale populations, and this extends to 
the adjacent issues of sea biodiversity and 
cleanliness. A watercraft was donated to 
Sea Shepherd and we have helped fund Sea 
Shepherds work on stopping krill harvesting 
in the Antartic and their merchandise is 
promoted at Gowings centres to provide 
additional support. 
Future Plans
We will continue to be on the lookout for 
worthy causes to help fund with a focus on 
the Marine Environment.
SUSTAINABILITY PROGRAM
REVIEW OF OPERATIONS (CONTINUED)
14
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156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
INVESTING  TOGETHER  FOR  A  SECURE  FUTURE
GOWING  BROS.  LIMITED

GOWINGS GOLD
In an authentically Australian way, 
Gowings Coffs Central envisions a 
place where locals can connect with 
their community, through social 
activities, entertainment, events, 
education and retail offers. Both locals 
and tourists actively choose our center 
for its ambiance, friendly retailers, 
support community arts and culture 
activations, and a diverse array of 
products and services.
All these elements contribute to our 
unique customer experience, making a 
visit to Gowings Coffs Central “So much 
more than shopping!”
THE GOWINGS WAY
For 156 years, we have 
proudly served Australia 
and its people
"The Gowings Way” book 
celebrates our unique Aussie 
heritage, our way of doing 
business and our pioneering 
history. A proud fifth generation 
Australian family business, 
Gowings is the embodiment 
of the Australian Spirit. 
Authenticity and adaptability 
has made Gowings stand the 
test of time. As we celebrate 
this accomplishment, we are 
inspired by the fierce loyalty of 
Australians and their love for our 
Great Southern Land.  
Ted Gowing, represents the 
courage and tenacity with which 
our country faced the challenges 
of two world wars. 
Ted's squadron escorted Atlantic 
convoys between US and UK. 
Each day they flew not knowing 
who would return. 
Gowing’s continues the tradition  
of overcoming challenges 
head on. We are proud to tell 
the story of Gowings Bros 
and the dedicated people 
who built it. The story of our 
vision and values: dependable, 
honest and fair dealing. With 
strong relationships, we build 
businesses, contributing to the 
long-term success of our nation.
Our pioneering  inventive, 
persevering Spirit is, "The 
Gowings Way”.
"Everyday people working 
together achieve extraordinary 
outcomes."
- John Gowing, 2024 -
Ted Gowing in WWII, Hurricane. Circa 1944. 
Each mission the Pilots did not know whether they would 
make it back.  
On encountering the enemy, the Hurricanes long range tanks 
would be dropped at sea. Return was impossible if far from 
base. Out of Ted’s 22 man Air Force squadron 4 returned.
GO NORTH
GOWINGS is an Investment Company with proud family heritage, 
located on the beautiful mid-North Coast of NSW.  
We have been in the business of ‘Enriching People’s Lives, since 
1868. and we believe that ‘real people invest in Gowings’. 
Our objective is to connect Gowings to Australia through history, 
pioneering spirit, Australian culture, achievements and positive 
identity. To influence, reinforce and create an image of who Gowings 
is, and what Gowings stands for — our philosophy, goals and 
purpose — and that we are all connected and should care for one-
another. ‘Go North’ recontextualises the familiar, not as a simple act 
of ‘doing’, but as a state of ‘being’ — an idealised vision of where we 
all want to go. 
It allows us to frame communication in a personable and irreverent 
way, and thread together narratives drawn from history, current 
events, and our portfolio of investments. 
Using our pillars of “community, innovation and environment, our 
objective is to celebrate our unique pioneering spirit, generate 
awareness of the Gowings brand, and continue to bring a focus to 
Australian investment opportunities.
FCS GO
FCS Go is a new marketing campaign to drive sales and awareness of 
FCS and to position FCS in the travel segment.
Driven by a desire to make surf travel simple and ensure a surfboard 
hits its optimum performance, FCS products are built to help surfers 
get the maximum amount from each and every surfing experience.
With a focus on innovation and heritage that’s rooted in the core 
of surfing, our premium surf hardware is rigorously engineered so 
nothing is holding you back.
So, when airfares go on sale, you’re paddling out for the first time or 
the wave of the day comes right to you, there is no reason not to GO.
YOUR NEXT GREAT 
ADVENTURE
STARTS 
HERE
LOCALS
SUPPORTING 
LOCALS
GOWINGS GONE NORTH
16
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156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
INVESTING  TOGETHER  FOR  A  SECURE  FUTURE
GOWING  BROS.  LIMITED

Go North

Results
DIRECTORS’ REPORT
Review of Operations
The operations of the Company are reviewed in the Executive Chairman and Managing Director’s ‘Review of Operations’ on page 2. 	
Environment 
The Company is committed to a policy of environmental responsibility in all its business dealings. This policy ensures that when the 
Company can either directly or indirectly influence decisions that have an impact on the environment, this influence is used responsibly. 
Principal Activities
The principal activity of the Company is investment and wealth management. The Company maintains and actively manages a diversified 
portfolio of assets including long-term equity and similar securities, investment properties, managed private equity, property development 
projects and cash.   
Significant Changes in the State of Affairs
There were no significant changes in the state of affairs of the Company other than as disclosed elsewhere in this report. 
Matters Subsequent to the End of the Financial Year
No matter or circumstance has arisen since the end of the financial year which has significantly affected, or may significantly affect, the 
operations of the Company, the results of those operations or the state of affairs of the Company in future financial years, except for the 
matters disclosed in note 45 of the financial report.
Likely Developments and Expected Results of Operations
Further information on likely developments in the operations of the Company is included in the Executive Chairman and Managing Director’s 
‘Review of Operations’ on page 2.
DIRECTORS’ AND EXECUTIVES' INTERESTS
 For the year ended 
31 July 2024 
$'000
31 July 2023 
$'000
 
 
 
 
 
 
 
 
Operating loss for the year before income tax
(409)
(9,602)
Income tax benefit
370
4,317
Net loss after income tax
(39)
(5,285)
Net loss attributable to members of Gowing Bros. Limited
(43)
(5,286)
Total 
Shares
J. E. Gowing   
Executive Chairman and 
Managing Director 
Appointed Executive Chairman 25 August 2023 and reaffirmed 25 July 2024. 
Executive Director and Member of the Remuneration Committee  
Director since 1983 
 
Bachelor of Commerce Member of Chartered Accountants Australia and New 
Zealand, and Member of CPA Australia.
No other directorships held in listed companies over the past 3 years.  
20,993,748
J. E. Gowing (James)  
Executive Director - Finance
Appointed Director in August 2023.
Bachelor of Business, CA.
He is a Chartered Accountant and after graduating from UTS spent five years in Audit and 
Assurance at William Buck. He has experience with a wide range of Australian Companies, 
both listed and private. No other directorships held in listed companies over the past 3 
years.
64,504
(Appointed 25 August 2023)
J. E. Davis 
Non-Executive Director
(Appointed 25 August 2023)
Appointed Director in August 2023 and Member of the Audit Committee. 
 
Bachelor of Applied Finance, Bachelor of Commerce (Accounting and Finance), CA.
James Davis is a Partner at HQB Accountants Auditors Advisors at Bellingen and Coffs 
Harbour, NSW. He joined HQB in 2014 and made Partner in 2016. Earlier in his career, 
James worked at Ernst & Young and Westpac Group, working in audit & assurance in 
both roles. No other directorships held in listed companies over the past 3 years.
5,000
J. G. Parker 
Non-Executive Director
Director since 2002 and Chairman of the Audit Committee 
 
Bachelor of Economics
Mr. Parker is a coach of senior executives, with over three decades as an 
investment professional. No other directorships held in listed companies over the 
past 3 years. 
57,306
S. J. Clancy 
Non-Executive Director 
Director since April 2016 and Chairman of the Remuneration Committee and 
Member of the Audit Committee 
 
Diploma of Marketing.
Mr. Clancy is an experienced businessman with a focus on sales and marketing and 
is presently a director of  Transfusion Pty Ltd.
5,000
I. H. Morgan 
Joint Company Secretary  
Bachelor of Business, Master of Law, Grad Dip Applied Finance and Investment 
Mr. Morgan was appointed company secretary on 18 April 2019 and has over 
35 years’ experience as a Company Secretary and Chartered Accountant for 
businesses operating both in Australia and overseas. 
4,000
Dividends
A final fully franked LIC 
dividend of 3.45 cents 
per share is payable to 
shareholders on  
5 November 2024.
$1,829,076
An interim fully 
franked dividend of 3.0 
cents per share was 
paid to shareholders 
on 22 April 2024.
$1,590,591
A final fully franked  
dividend of 3.0 cents 
per share was paid to 
shareholders on 27 
October 2023.
$1,597,834
An interim fully 
franked dividend of 3.0 
cents per share was 
paid to shareholders 
on 21 April 2023.
$1,599,334
20
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156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
INVESTING  TOGETHER  FOR  A  SECURE  FUTURE
GOWING  BROS.  LIMITED
Your Directors are pleased to present their report on the Company for the year ended 31 July 2024.
The following persons were directors, executives or a company secretary of Gowing Bros. Limited either during or since the end of the year.

MEETINGS OF DIRECTORS
During the year ended 31 July 2024, meetings were held in person, by telephone and by email.  Where necessary, circular resolutions were 
also approved.	
Remuneration Report
The Company’s remuneration report, which forms a part of the Directors’ Report, is on pages 24 to 26 . 
Corporate Governance 
The Company’s statement on the main corporate governance practices in place during the year is set out on the Company’s website at 
http://gowings.com/reports-announcements/
Auditor’s Independence Declaration
A copy of the Auditor’s Independence Declaration as required under section 307C of the Corporations Act 2001 is set out on page 65. 
Shares Under Option
There were no unissued shares under option at the date of this report. 
Indemnification and Insurance of Directors and Officers
The Company’s constitution provides an indemnity for every officer against any liability incurred in his/her capacity as an officer of the 
Company to another person, except the Company or a body corporate related to the Company, unless such liability arises out of conduct 
involving lack of good faith on the part of the officer. The constitution further provides for an indemnity in respect of legal costs incurred by 
those persons in defending proceedings in which judgement is given in their favour, they are acquitted or the court grants them relief. During 
the year the Company paid insurance premiums in respect of the aforementioned indemnities. Disclosure of the amount of the premiums and 
of the liabilities covered is prohibited under the insurance contract. 
Indemnification and insurance of Auditor
The Company has not, during or since the end of the financial year, indemnified or agreed to indemnify the auditor of the Company or any related 
entity against a liability incurred by the auditor.
During the financial year, the Company has not paid a premium in respect of a contract to insure the auditor of the Company or any related entity.
Non-Audit Services
The Company may decide to employ the auditor on assignments additional to their statutory audit duties where the auditor’s expertise and 
experience with the Company are important. 
The Board of Directors has considered the position in accordance with advice received from the Audit Committee and is satisfied that the 
provision of the non-audit services is compatible with the general standard of independence for auditors imposed by the Corporations Act 
2001. The Directors are satisfied that the provision of non-audit services by the auditor, as set out below, did not compromise the auditor 
independence requirements of the Corporations Act 2001 for the following reasons: 
•	 all non-audit services have been reviewed by the Audit Committee to ensure that they do not impact the impartiality and objectivity 
of the auditor; 
•	 none of the services undermine the general principles relating to auditor independence as set out in APES110 Code of Ethics for Professional 
Accountants (including Independence Standards), including reviewing or auditing the auditor’s own work, acting in a management or a 
decision-making capacity for the Company, acting as advocate for the Company or jointly sharing economic risk and rewards. 
Rounding of Amounts
The Company is of a kind referred to in ASIC Corporations (Rounding in the Financial/ Directors’ Reports) Instrument 2016/191 issued by the 
Australian Securities and Investments Commission relating to the “rounding off” of amounts in the Directors’ report and financial report. 
Amounts in the Directors’ report and financial report have been rounded to the nearest thousand dollars in accordance with that Legislative 
Instrument, unless otherwise indicated.
Environmental Regulation
No significant environmental regulations apply to the Company. 
This report is made in accordance with a resolution of the Directors of Gowing Bros. Limited.
Audit and Non-Audit Services  
During the year the following fees were paid or payable for services provided by William Buck the auditor of the company.
31 July 
2024
$
31 July 
2023
$
Audit services – William Buck
Audit and review – group
127,000
123,500
Audit and review – controlled entities
146,900
50,500
Other services – William Buck
Financial review
13,500
5,250
287,400
179,250
J. E. Gowing 
Executive Chairman and  
Managing Director 
Coffs Harbour, NSW 
28 October 2024
Board Meetings
Audit Committee Meetings
Remuneration Committee 
Meetings
Meetings Eligible 
to attend
Attended
Meetings Eligible 
to attend
Attended
Meetings Eligible 
to attend
Attended
J. E. Gowing
7
7
-
-
1
1
J. G. Parker
6
5
1
1
-
-
S. J. Clancy
7
7
1
1
1
1
J. E. Gowing (James)
5
4
-
-
-
-
J. E. Davis 
5
3
1
1
-
-
22
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156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
INVESTING  TOGETHER  FOR  A  SECURE  FUTURE
GOWING  BROS.  LIMITED
Attendance at Board, Audit Committee & Remuneration Committee meetings by each Director of the Company during the financial year is set 
out below:

REMUNERATION REPORT
REMUNERATION REPORT
The Remuneration Report is set out under the following main 
headings:
•	 Principles used to determine the nature and amount of 
remuneration
•	 Details of remuneration
•	 Service agreements
•	 Additional information
The information provided in this remuneration report has been 
audited as required by section 308(3C) of the Corporations Act 2001.
Principles used to Determine the Nature and 
Amount of Remuneration
It is the Company’s objective to provide maximum stakeholder benefit 
from the retention of a high quality board and executive team by 
remunerating Directors and executives fairly and appropriately with 
reference to relevant employment market conditions and the nature 
of Company operations.  
The Board has established a Remuneration Committee which consists 
of the following Directors:
•	 S. J. Clancy, Chairman of the Remuneration Committee
•	 J. E. Gowing, Executive Chairman and Managing Director
Non-Executive Directors
For Non-executive Directors, remuneration is by way of Directors’ 
fees as described below. For the Executive Director and senior 
executives, remuneration is by way of a fixed salary component and a 
discretionary incentive component as described below. 
Persons who were Non-executive Directors of the Company for all or 
part of the financial year ended 31 July 2024 were: 
•	 J. G. Parker
•	 S. J. Clancy
•	 J. E Davis
Directors’ fees
The remuneration of Non-executive Directors is determined in 
accordance with the Directors’ remuneration provisions of the 
Company’s constitution. Fees and payments to Non-executive 
Directors reflect the demands which are made on, and the 
responsibilities of, the Directors. Non-executive Directors’ fees and 
payments are reviewed annually by the Remuneration Committee 
in line with the market and approved by the Board. The Chairman’s 
fees are determined independently to the fees of Non-executive 
Directors based on comparative roles in the external market. 
Non-executive Directors do not receive any performance based 
remuneration or share options. 
There is no scheme to provide retirement benefits to Non-executive 
Directors outside of statutory superannuation.
Executives
Executives are officers of the Company who are involved in, 
concerned with, take part in and are able to influence decisions in 
the management of the affairs of the Company. Persons who were 
executives for all or part of the financial year ended 31 July 2024 
were: 
•	 J. E. Gowing, Executive Chairman and Managing Director
•	 J. E. Gowing (James), Executive Director - Finance
•	 E. J. Gowing (Ellis), Associate Director
Executive remuneration is a combination of a fixed total 
employment cost package and a discretionary incentive element 
which may be awarded by cash or invitation to participate in the 
Company’s Employee Share & Option Scheme or Deferred Employee 
Share Plan Scheme. Remuneration is referenced to relevant 
employment market conditions and reviewed annually to ensure 
that it is competitive and reasonable. 
The incentive element is awarded at the discretion of the 
Remuneration Committee and approved by the Board on the basis 
of recommendations from the Executive Chairman. The Executive 
Chairman’s incentive element is awarded at the discretion of 
the Remuneration Committee and approved by the Board. In 
determining the amount (if any) of bonus payments or of options 
or shares issued, consideration is given to an executive’s effort 
and contribution to both the current year performance and 
the long term performance of the Company, the scope of the 
executive’s responsibility within the Company, the scale and 
complexity of investments required to be managed, the degree 
of active management required and the degree of skill exhibited 
in the overall process. Regard is also given to the quantum of an 
executive’s total remuneration.
Details of Remuneration
Details of the remuneration of the Directors and key management personnel are set out in the following tables:
2024
Share 
based 
$
Post – 
employment 
$
Long term 
$
Total 
$
Cash salary and 
fees
Cash 
bonus
Movement in 
provision for 
annual leave
Non-
monetary 
benefits
Share 
bonus
Superannuation
Movement in 
provision for long 
service leave
Non-executive Directors
J. G. Parker
53,233
-
-
-
-
5,440
-
58,673
S. J. Clancy
63,305
-
-
-
-
6,986
-
70,291
J. E. Davis (Appointed - 
Aug 23)
55,000
-
-
-
-
-
-
55,000
171,538
-
-
-
-
12,426
-
183,964
Executive Directors
J. E. Gowing (Chairman 
and Managing Director)
162,102
-
(4,764)
-
-
17,898
4,954
180,190
J. E. Gowing (James) 
(Executive Director - 
Finance)
122,576
-
(2,370)
-
-
13,424
4,005
136,635
Other key management personnel
E. J. Gowing (Ellis)
52,285
-
(1,740)
-
-
5,800
971
57,316
Total key management 
personnel 
compensation
507,501
-
(8,874)
-
-
49,548
9,930
558,105
2023
Share 
based 
$
Post – 
employment 
$
Long term 
$
Total 
$
Cash salary and 
fees
Cash 
bonus
Movement in 
provision for 
annual leave
Non-
monetary 
benefits
Share 
bonus
Superannuation
Movement in 
provision for long 
service leave
Non-executive Directors
 Prof. J. West (Chairman)
96,350
-
-
-
-
10,156
-
106,506
J. G. Parker
52,066
-
-
-
-
15,300
-
67,366
S. J. Clancy
43,439
-
-
-
-
4,579
-
48,018
191,855
-
-
-
-
30,035
-
221,890
Executive Directors
J. E. Gowing
162,835
-
10,230
-
-
17,165
2,488
192,718
Other key management personnel
J. E. Gowing (James)
122,126
-
429
-
-
12,874
2,011
137,440
Total key management 
personnel 
compensation
476,816
-
10,659
-
-
60,074
4,499
552,048
24
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156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
INVESTING  TOGETHER  FOR  A  SECURE  FUTURE
GOWING  BROS.  LIMITED

REMUNERATION REPORT
ASX LISTING REQUIREMENTS
26
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156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
INVESTING  TOGETHER  FOR  A  SECURE  FUTURE
GOWING  BROS.  LIMITED
Service Agreements 
There are service agreements in place with J. Parker, J. Gowing,   
S. Clancy,  J.E. Gowing, J. Davis, E. Gowings. 
Remuneration and other terms of employment for the Executive 
Chairman, executives and other key management personnel are 
approved by the Board and provide for the provision of performance-
related incentives. 
Other major provisions relating to remuneration are set out below:
J. E. Gowing, Executive Chairman and Managing Director
•	 No fixed term.
•	 Base salary, inclusive of superannuation, as at 31 July 2024 
of $180,000, to be reviewed annually by the Remuneration 
Committee.
•	 No termination benefit is payable.
J. E. Gowing (James), Executive Director - Finance
•	 No fixed term.
•	 Base salary, inclusive of superannuation, as at 31 July 2024 
of $135,000, to be reviewed annually by the Remuneration 
Committee.
•	 No termination benefit is payable
E. J. Gowing (Ellis), Associate Director
•	 No fixed term.
•	 Base salary, inclusive of superannuation, as at 31 July 2024 
of $130,000, to be reviewed annually by the Remuneration 
Committee.
•	 No termination benefit is payable
The information provided in this remuneration report has been 
audited as required by section 308(3C) of the Corporations Act 2001
Additional Information
Employee Share & Option Scheme: The scheme is operational. No 
shares or options were issued under this scheme during the year. 
Deferred Employee Share Plan Scheme: All employees and non-
executive directors are eligible to participate in the Company’s 
Deferred Employee Share Plan Scheme. Shares issued under this plan 
during the year were purchased on market. 
The Company Employee Share & Option Scheme and Deferred 
Employee Share Plan Scheme may be utilised as a part of the award 
of any incentive payment for all employees which in turn assists in 
aligning the interests of employees with the long term performance of 
the Company. 
The table set out below reflects the relationship between Remuneration Policies and Company Performance:
Fixed
Performance
2024 (%)
2023 (%)
2024 (%)
2023 (%)
Executive Chairman and Managing Director
J. E. Gowing
100
100
-
-
Other key management personnel
J.E. Gowing (James)
100
100
-
-
E. J. Gowing (Ellis)
100
100
-
-
The relative proportions of remuneration that are linked to performance and those that are fixed are as follows:
The number of shareholdings held in less than marketable parcels is 154.
2. Voting Rights
Members voting personally or by proxy have one vote for each share.
3. Substantial Shareholders at 16 October 2024
The substantial shareholders as defined by Section 9 of the Corporations Act 2001 are:
1. Shareholders at 16 October 2024
4. Top 20 Equity Security Holders at 16 October 2024
In accordance with Australian Securities Exchange Listing Rule 4.10, the top 20 equity security holders are:
5. Corporate Governance Practices
The Company’s statement on the main corporate governance practices in place during the year is set out on the Company’s website at www.
gowings.com/reports-announcements/.
Range of shares
No. of shareholders
1 – 1,000 shares
335
1,001 – 5,000 shares
359
5,001 – 10,000 shares
143
10,001 – 100,000 shares
269
Over 100,000 shares
53
Total shareholders
1,159
No. of ordinary 
shares
% of issued shares
1
Warwick Pty Limited
7,211,378
13.60%
2
Audley Investments Pty Ltd
5,263,957
9.93%
3
Carlton Hotel Limited
4,701,144
8.87%
4
Mr John Edward Gowing
3,676,709
6.94%
5
Woodside Pty Ltd
3,235,816
6.10%
6
Charles & Cornelia Goode Foundation Pty Ltd
2,500,000
4.72%
7
Ace Property Holdings Pty Ltd
1,560,000
2.94%
8
Mr John Gowing
1,187,189
2.24%
9
Mr Frederick Bruce Wareham
1,152,358
2.17%
10
Mr Philip Anthony Feitelson
 772,500 
1.46%
11
Henadome Pty Ltd 
 670,000 
1.26%
12
Mr Graeme Legge
 669,200 
1.26%
13
Feitelson Holdings Pty Limited
 665,625 
1.26%
14
Mr Ronald Langley and Mrs Rhonda Elizabeth Langley
 660,580 
1.25%
15
Enbeear Pty Limited
 636,829 
1.20%
16
Mrs Jean Kathleen Poole-Williamson
 568,443 
1.07%
17
Feitelson holdings pty limited
 550,000 
1.04%
18
Mr philip anthony feitelson
 547,283 
1.03%
19
Capitol securities pty ltd
 494,000 
0.93%
20
Jamina investments pty ltd
 441,258 
0.83%
Total
 37,164,269 
70.10%
Total issued share capital
 53,016,693 
2024
2023
2022
2021
2020
Net Profit/(loss) after tax
($39)k
($5.3)m
$10.9m
$10.4m
$4.7m
Basic and diluted earnings/(loss)  per 
share
(0.07)c
(9.91)c
20.42c
19.35c
8.82c
Dividends per share declared
6.45c
7.0c
8.0c
8.0c
8.0c
Share buy back – number of shares
294k
-
314k
121k
193k
Share buy back – value
$668k
-
$912k
$202k
$393k
Share price at financial year end
$2.16
$2.51
$2.77
$2.74
$1.34
John Edward Gowing
21,128,252
Ordinary shares
Carlton Hotel Limited
4,701,144
Ordinary shares
Philip Anthony Feitelson
3,444,758
Ordinary shares

Consolidated Statement of Profit or Loss
29
Consolidated Statement of Other Comprehensive Income
30
Consolidated Statement of Financial Position 
31
Consolidated Statement of Changes in Equity
32
Consolidated Statement of Cash Flows
33
Notes to the Financial Statements
34
Consolidated Entity Disclosure Statement
63
Directors’ Declaration
64
Auditor’s Independence Declaration
65
Independent Auditor’s Report
66
Consolidated Statement of Profit or Loss 
For the year ended
Notes
31 July 2024
$’000
31 July 2023
$’000
Revenue 
 
 
 
Interest income
 
709
360
Equities
 
768
1,392
Private equities
5
65
104
Investment properties
18
19,041
18,646
Development properties
8,788
7,950
Revenue from the sale of goods (Surf Hardware International)
37,715
42,749
Total revenue
67,086
71,201
 
Other income
Gains / (losses) on disposal or revaluation of:
     Private equities 
16
(214)
294
     Investment properties 
18
(341)
(13,286)
Total other income
912
1,077
 Total income / (loss)
357
(11,915)
Total revenue and other income
67,443
59,286
 
Expenses
Investment properties
18
8,465
8,218
Development properties
4,320
4,542
Finished goods, raw materials and other operating expenses  
(Surf Hardware International)
40,045
42,642
Administration ¹
4,542
3,333
Borrowing costs 
5
5,677
5,838
Depreciation and amortisation
1,924
1,825
Employee benefits 
2,426
1,821
Public company  
453
669
Total expenses
67,852
68,888
Loss from continuing operations before income tax expense 
(409)
(9,602)
Income tax benefit 
6
370
4,317
Loss from continuing operations
(39)
(5,285)
 
Loss from continuing operations is attributable to:
Members of Gowing Bros. Limited
(43)
(5,286)
Non-controlling interests
4
1
Loss from continuing operations
(39)
(5,285)
The above Consolidated Statement of Profit or Loss should be read in conjunction with the accompanying Notes
¹Included in administration expenditure in the current period is $500,000 write down of goodwill attributed to the Gowings Surf 
Hardware International acquisition.
FINANCIAL REPORT
28
29
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
INVESTING  TOGETHER  FOR  A  SECURE  FUTURE
GOWING  BROS.  LIMITED
The consolidated financial statements were authorised for 
issue by the Directors on 28 October 2024.  
The Directors have the power to amend and reissue the 
consolidated financial statements.

Consolidated Statement of Financial Position
As at  
Notes
31 July 2024
$’000
31 July 2023
$’000
Current assets
 
 
 
Cash and cash equivalents
7
18,327 
 17,394
Inventories
8
10,368
 12,571
Trade and other receivables
9
5,665
6,834
Loans receivable
10
100
137
Development properties
11
2,629
6,332
Tax receivable
12
1,089 
854
Other
13
3,328 
 1,334
Total current assets
 
41,506
45,456
Non-current assets
Loans receivable
14
400
363
Equities
15
42,505
43,533
Private equities
16
5,199
5,231
Development properties
17
25,528
23,195
Investment properties
18
190,148
189,001
Property, plant and equipment
19
6,677
5,294
Intangibles
20
3,674
3,710
Right of use assets
21
1,331
1,333
Derivatives
22
372
898
Deferred tax assets
23
1,247
1,471
Other
24
3,415
2,795
Total non-current assets
 
280,496
276,824
Total assets
 
322,002
322,280
Current liabilities
 
Trade and other payables
25
4,682
5,195
Borrowings
26
-
963
Lease liabilities
 
 
 
27
1,051
868
Provisions
28
819
812
Total current liabilities
 
6,552
7,838
Non-current liabilities
 
Trade and other payables
-
10
Borrowings
29
95,865
94,310
Lease liabilities 
30
692
559
Provisions
31
311
301
Deferred tax liabilities 
32
24,327
23,910
Total non-current liabilities
 
121,195
119,090
Total liabilities
 
127,747
126,928
Net assets
 
194,255
195,352
Equity
 
Contributed equity
33
11,113
11,781
Reserves
34
103,314
103,776
Retained profits
79,819
79,790
Contributed equity and reserves attributable to members of Gowing Bros. Limited
194,246
195,347
Non-controlling interests
9
5
Total equity
 
194,255 
195,352
The above Consolidated Statement of Financial Position should be read in conjunction with the accompanying Notes.
Consolidated Statement of Other Comprehensive Income  
For the year ended
Notes
31 July 2024
$’000
31 July 2023
$’000
 
 
 
 
 
 
 
 
Loss from continuing operations
(39)
(5,285)
Other comprehensive income
 
 
 
 
 
 
 
 
Items that may be reclassified subsequently to profit or loss:
Exchange rate differences on translating foreign operations, net of tax
(159)
488
Changes in the fair value of cash flow hedges, net of tax
(486)
683
Items that will not be reclassified subsequently to profit or loss:    
 
Changes in fair value of equity instruments held at fair value through other 
comprehensive income, net of tax
3,443
1,255
Total comprehensive income / (loss)
2,759
(2,859)
Total comprehensive income / (loss) attributable to:
Members of Gowing Bros. Limited
2,755
(2,860)
Non-controlling interests
4
1
Total comprehensive income / (loss)
2,759
(2,859)
Earnings per share
Basic loss per share
41
(0.07)c
(9.91)c
Diluted loss per share
41
(0.07)c
(9.91)c
 
 
 
 
 
 
 
 
The above Consolidated Statement of Other Comprehensive Income should be read in conjunction with the accompanying Notes.
30
31
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
INVESTING  TOGETHER  FOR  A  SECURE  FUTURE
GOWING  BROS.  LIMITED

Consolidated Statement of Changes in Equity 
For the year ended
Contributed 
Equity 
$’000
Capital 
Profits
  Reserve-
Pre CGT 
Profits
$’000
Revaluation 
Reserves 
$’000
Foreign 
Currency 
Reserve 
$’000
Hedging 
Reserve - 
Cash Flow 
Hedge 
$’000
Retained 
Profits 
$’000
Non-
Controlling 
Interests 
$’000
 Total
   $’000
Balance at 31 July 2022
11,781
90,503
9,590
216
-
89,849
4
201,943
Total comprehensive 
income for the year 
-
-
1,255
488
683
(5,286)
1
(2,859)
Transfer of loss on 
disposal of equity 
instruments at fair value 
through comprehensive 
income to retained 
earnings, net of tax 
-
-
1,041
-
-
(1,041)
-
-
Transactions with 
owners in their capacity 
as owners:
     Dividends paid
-
-
-
-
-
(3,732)
-
(3,732)
Balance at 31 July 2023
11,781
90,503
11,886
704
683
79,790
5
195,352
Total comprehensive 
income / (loss) for the 
year 
-
-
3,443
(159)
(486)
(43)
4
2,759
Transfer of gain on 
disposal of equity 
instruments at fair value 
through comprehensive 
income to retained 
earnings, net of tax 
-
-
(3,260)
-
-
3,260
--
-
Transactions with 
owners in their capacity 
as owners:
     Dividends paid
-
-
-
-
-
(3,188)
-
(3,188)
     Share buy-back
(668)
-
-
-
-
-
-
(668)
Balance at 31 July 2024
11,113
90,503
12,069
545
197
79,819
9
194,255
The above Consolidated Statement of Changes in Equity should be read in conjunction with the accompanying Notes.
Consolidated Statement of Cash Flows
For the year ended
 
 Notes
31 July 2024
$’000
31 July 2023
$’000
Cash flows from operating activities
 
 
 
Receipts in the course of operations (inclusive of GST)
 
63,642
67,561
Payments to suppliers and employees (inclusive of GST)
 
(58,432)
(60,436)
Dividends received
 
768
1,496
Gain from Private Equities
 
252
-
Interest received
 
709
360
Borrowing costs paid
 
(5,317)
(5,760)
Income taxes paid
 
(1,186)
(1,745)
Net cash inflows from operating activities
43
436
1,476
 
 
 
 
 
Cash flows from investing activities
 
Payments for purchases of properties, plant and equipment
(2,181)
(1,703)
Payments for purchases of intangibles
(594)
(2)
Payments for purchases of development properties
(2,333)
(3,863)
Payments for purchases of investment properties
(2,196)
(3,120)
Payments for purchases of equity investments 
(3,358)
(3,104)
Payments for purchases of private equity investments 
(305)
-
Payments for loans made  
(137)
(200)
Proceeds from repayment of loans made
137
225
Proceeds from sale of development properties
8,872
7,950
Proceeds from sale of equity investments
8,788
7,282
Proceeds from sale of investment properties
-
5,696
Net cash inflows from investing activities
6,693
9,161
 
 
 
 
 
Cash flows from financing activities
 
Payments for share buy-backs
(668)
-
Proceeds from borrowings
1,554
-
Repayment of borrowings
44
(963)
(1,888)
Repayment of lease liabilities
44
(2,931)
(1,336)
Dividends paid 
35
(3,188)
(3,732)
Net cash outflows from financing activities
(6,196)
(6,956)
 
 
 
 
 
Net increase in cash and cash equivalents held
933
3,681
Cash and cash equivalents at the beginning of the financial year
17,394
13,713
Cash and cash equivalents at the end of the financial year
7
18,327
17,394
 
The above Consolidated Statement of Cash Flows should be read in conjunction with the accompanying Notes. 
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156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
INVESTING  TOGETHER  FOR  A  SECURE  FUTURE
GOWING  BROS.  LIMITED

Notes To The Consolidated Financial Statements
1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Gowings Bros. Limited (“the Company”) is a company limited by 
shares incorporated in Australia whose shares are publicly traded 
on the Australian Securities Exchange (“ASX”).  The consolidated 
financial statements comprise the Company and its controlled 
entities (referred herein as “the Group”).
Material and other accounting policies adopted in the preparation 
of the consolidated financial statements are set out below. These 
policies have been consistently applied to all the years presented, 
unless otherwise stated.     
(a) Basis of preparation
These general purpose consolidated financial statements have 
been prepared in accordance with Australian Accounting Standards, 
other authoritative pronouncements of the Australian Accounting 
Standards Board and the Corporations Act 2001.
Compliance with IFRS
The consolidated financial statements comply with International 
Financial Reporting Standards (“IFRS”) as issued by the International 
Accounting Standards Board (“IASB”).
Historical cost convention
These consolidated financial statements have been prepared under 
the historical cost convention, as modified by the revaluation of 
equities (financial assets at fair value through other comprehensive 
income), private equities (financial assets at fair value through profit 
or loss), investment properties, derivative financial instruments and 
certain classes of property, plant and equipment.
Critical accounting estimates
The preparation of consolidated financial statements in conformity 
with Australian Accounting Standards requires the use of certain 
critical accounting estimates. It also requires management to 
exercise its judgement in the process of applying the Group’s 
accounting policies. Areas involving a higher degree of judgement 
and complexity or where assumptions and estimates are significant 
to the consolidated financial statements are disclosed in note 3.
Comparative information
Information has been reclassified where applicable to enhance 
comparability.
Amending Accounting Standards and Interpretations
Several amending Accounting Standards and Interpretations apply 
for the first time for the current reporting period commencing 
1 August 2023. These amending Accounting Standards and 
Interpretations did not result in any adjustments to the amounts 
recognised or disclosures in the financial report. 
New, revised or amending Accounting Standards and Interpretations 
issued but not yet mandatory
Certain new Australian Accounting Standards and Interpretations 
have been recently published that are not yet mandatory for the 
reporting period ended 31 July 2024. The Group's assessment is that 
these new Australian Accounting Standards and Interpretations 
are not expected to have a material impact on the Group in future 
reporting periods.
(b) Principles of Consolidation
The consolidated financial statements incorporate all the assets, 
liabilities and results of the Company and all the subsidiary 
companies and other interests it controlled during the year ended 
31 July 2024.  The Company controls an entity when it is exposed to, 
or has the rights to, variable returns from its involvement with the 
entity and has the ability to affect those returns through its power 
over the entity.  Details of subsidiary companies and other interests 
of the Company are set out in note 39.
The assets, liabilities and results of its subsidiaries are fully 
consolidated into the financial statements of the Group from the 
date which control is obtained by the Group.  The consolidation 
of a subsidiary is discontinued from the date that control ceases.  
Intercompany transactions, balances and unrealised gains or 
losses on transactions between group entities are fully eliminated 
on consolidation. Accounting policies of subsidiaries have been 
changed and adjustments made where necessary to ensure 
uniformity of the accounting policies of the Group. 
Equity interests in a subsidiary not attributable, directly or 
indirectly, to the Group are presented as “non-controlling interests”.  
The Group initially recognises non-controlling interests that are 
present ownership interests in subsidiaries and are entitled to a 
proportionate share of the subsidiary’s net assets on liquidation at 
either fair value or at the non-controlling interests’ proportionate 
share of the subsidiary’s net assets. Subsequent to initial 
recognition, non-controlling interests are attributed their share of 
profit or loss and each component of other comprehensive income.  
Non-controlling interests are shown separately within the equity 
section of the consolidated statement of financial position and 
consolidated statement of comprehensive income.
 
1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED)
(d) Goodwill 
Goodwill is carried at cost less any accumulated impairment losses.  
Goodwill is carried as the excess of the sum of: 
(i) 	 the consideration transferred;
(ii) 	 any non-controlling interest (determined under either the full 
goodwill or proportionate interest method); and
(iii) 	 the acquisition date fair value of any previously held equity 
interest;
over the acquisition date fair value of net identifiable net assets 
acquired.
The acquisition date fair value of the consideration transferred for 
a business combination plus the acquisition date fair value of any 
previously held equity interest form the cost of the investment.
Fair value re-measurements in any pre-existing equity holdings are 
recognised in profit or loss in the period in which they arise. Where 
changes in the value of such equity holdings had previously been 
recognised in other comprehensive income, such amounts are recycled 
to profit or loss.
The amount of goodwill recognised on acquisition of each subsidiary 
in which the Group holds a less than 100% interest will depend on 
the method adopted in measuring the non-controlling interest. The 
Group can elect in most circumstances to measure the non-controlling 
interest in the acquiree either at fair value (“full goodwill method”) or 
at the non-controlling interest’s proportionate share of the subsidiary’s 
identifiable net assets (“proportionate interest method”). In such 
circumstances, the Group determines which method to adopt for each 
acquisition and this is stated in the respective notes to these financial 
statements disclosing the business combination.
Under the full goodwill method, the fair value of the non-controlling 
interests is determined using valuation techniques which make the 
maximum use of market information where available. Under this 
method, goodwill attributable to the non-controlling interest is 
recognised in the consolidated financial statements.
Goodwill on acquisitions of subsidiaries is included in intangible 
assets. 
Goodwill is tested for impairment annually and is allocated to the 
Group’s cash-generating units or groups of cash-generating units, which 
represents the lowest level at which goodwill is monitored but where 
such level is not larger than an operating segment. Gains and losses 
on the disposal of an entity include the carrying amount of goodwill 
related to the entity sold.
Changes in the ownership interests in a subsidiary that do not result 
in a loss of control are accounted for as equity transactions and do not 
affect the carrying amounts of goodwill.
(c) Business combinations
Business combinations occur where the Group acquires control over 
one or more businesses.
A business combination is accounted for by applying the acquisition 
method, unless it is a combination involving entities or businesses 
under common control. The business combination will be accounted 
for from the date that control is attained, whereby the fair value of 
the identifiable assets acquired and liabilities (including contingent 
liabilities) assumed is recognised (subject to certain limited 
exceptions).
When measuring the consideration transferred in the business 
combination, any asset or liability resulting from a contingent 
consideration arrangement is also included. Subsequent to initial 
recognition, contingent consideration classified as equity is not 
remeasured and its subsequent settlement is accounted for within 
equity. Contingent consideration classified as an asset or liability is 
remeasured in each reporting period to fair value, recognising any 
change to fair value in profit or loss, unless the change in value can 
be identified as existing at acquisition date.
Where settlement of any part of cash consideration is deferred, 
the amounts payable in the future are discounted to their present 
value as at the date of exchange. The discount rate used is the 
entity’s incremental borrowing rate, being the rate at which a similar 
borrowing could be obtained from an independent financier under 
comparable terms and conditions.
All transaction costs incurred in relation to business combinations 
are recognised as expenses in profit and loss when incurred.
The acquisition of a business may result in the recognition of 
goodwill or a gain from a bargain purchase.
 
34
35
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
INVESTING  TOGETHER  FOR  A  SECURE  FUTURE
GOWING  BROS.  LIMITED

1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED)
(e) Segment reporting
Operating segments are reported in a manner consistent with the 
internal reporting provided to the chief operating decision maker 
including:
•	
Cash and fixed interest
•	
Equities
•	
Private equities
•	
Investment properties
•	
Development properties
•	
Surf Hardware International business
•	
Other
(f) Foreign currency translation
(i) Functional and presentation currency  
Items included in the consolidated financial statements of the 
Group are measured using the currency of the primary economic 
environment in which the Group operates (“functional currency”). 
The consolidated financial statements are presented in Australian 
dollars, which is the Group’s functional and presentation currency.
(ii) Transactions and balances 
Foreign currency transactions are translated into the functional 
currency using the exchange rates prevailing at the dates of the 
transactions. Translation differences on private equities held at fair 
value through profit or loss are recognised in profit or loss as part 
of the fair value gain or loss. Translation differences on equities are 
recognised in equity.
(iii) Foreign Operations 
The financial results and position of foreign operations, whose 
functional currency is different from the Group’s presentation 
currency, are translated as follows:
(a) assets and liabilities are translated at exchange rates prevailing 
at the end of the reporting period; 
(b) income and expenses are translated at average exchange rates 
for the period; and 
(c) retained earnings are translated at the exchange rates prevailing 
at the date of the transaction.
Exchange differences arising on translation of foreign operations with 
functional currencies other than Australian dollars are recognised in 
other comprehensive income and included in the foreign currency 
translation reserve in the consolidated statement of financial 
position.  The cumulative amount of these differences is reclassified 
into profit or loss in the period in which the operation is disposed of.
(g) Income tax
The income tax expense or benefit for the period is the tax payable 
on the current period’s taxable income adjusted by changes 
in deferred tax assets and liabilities attributable to temporary 
differences and to unused tax losses. Deferred income tax is 
provided in full, using the liability method, on temporary differences 
arising between the tax bases of assets and liabilities and their 
carrying amounts in the consolidated financial statements. Deferred 
tax assets and liabilities are recognised for temporary differences 
at the tax rates expected to apply when the assets are recovered or 
liabilities are settled.   
No deferred tax asset or liability is recognised in relation to these 
temporary differences if they arose in a transaction, other than 
a business combination, that at the time of the transaction did 
not affect either accounting profit or loss or taxable profit or 
loss. Deferred tax assets are recognised for deductible temporary 
differences and unused tax losses only if it is probable that future 
taxable amounts will be available to utilise those temporary 
differences and losses. Deferred tax assets and liabilities are offset 
when there is a legally enforceable right to offset tax assets and 
liabilities and when the deferred tax balances relate to the same 
taxation authority. Current tax assets and tax liabilities are offset 
where the Group has a legally enforceable right to offset and intends 
either to settle on a net basis, or to realise the asset and settle the 
liability simultaneously. Current and deferred tax is recognised in 
profit or loss, except to the extent that it relates to items recognised 
in other comprehensive income or directly in equity. In this case, the 
tax is also recognised in other comprehensive income or directly in 
equity, respectively.
(h) Impairment of non-financial assets
Assets are reviewed for impairment whenever events or changes 
in circumstances indicate that the carrying amount may not be 
recoverable. An impairment loss is recognised for the amount by 
which the asset’s carrying amount exceeds its recoverable amount. 
The recoverable amount is the higher of an asset’s fair value 
less costs to sell and value in use. For the purpose of assessing 
impairment, assets are grouped at the lowest levels for which 
there are separately identifiable cash inflows which are largely 
independent of the cash inflows from other assets or groups of 
assets (cash generating units). Non-financial assets that suffered 
impairment are reviewed for possible reversal of the impairment at 
each reporting date.
	
(i) Property, plant and equipment
Property, plant and equipment (excluding freehold properties) are 
measured at cost less accumulated depreciation and accumulated 
impairment losses. Costs are measured at fair value of assets given 
up, shares issued or liabilities undertaken at the date of acquisition 
plus incidental costs directly attributable to the acquisition. 
Freehold properties are measured at fair value, with changes in 
fair value recognised in other comprehensive income. Depreciation 
is calculated on a straight-line basis to write off the net cost or 
revalued amount of each item of plant and equipment (excluding 
freehold land) over its expected useful life to the Group. Estimates 
of remaining useful lives are made on a regular basis for all assets, 
with annual reassessments for major items. Land is not depreciated. 
Depreciation is calculated to allocate cost or revalued amounts, net 
of their residual values, over their estimated useful lives, as follows:
Furniture, fittings and equipment 	
	
3 to 10 years 
Motor vehicles	
	
	
	
6 years 
Buildings 	
	
	
                 40 years
The assets’ residual values and useful lives are reviewed, and 
adjusted if appropriate, at each statement of financial position 
date. An asset’s carrying amount is written down immediately to 
its recoverable amount if the asset’s carrying amount is greater 
than its estimated recoverable amount. Gains and losses on 
disposal are determined by comparing proceeds with carrying 
amount. These are included in profit or loss.
1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED)
(j) Right of use assets 
A right of use asset is recognised at the commencement date of a 
lease. The right of use asset is measured at cost, which comprises 
the initial amount of the lease liability, adjusted for, as applicable, 
any lease payments made at or before the commencement date net 
of any lease incentives received, any initial direct costs incurred, 
and, except where included in the cost of inventories, an estimate 
of costs expected to be incurred for dismantling and removing the 
underlying asset, and restoring the site or asset.
Right of use assets are depreciated on a straight-line basis over the 
unexpired period of the lease or the estimated useful life of the 
asset, whichever is the shorter. Where the Group expects to obtain 
ownership of the leased asset at the end of the lease term, the 
depreciation is over its estimated useful life. Right of use assets are 
subject to impairment or adjusted for any remeasurement of lease 
liabilities. 
The Group has elected not to recognise a right of use asset and 
corresponding lease liability for short-term leases with terms of 12 
months or less and leases of low-value assets. Lease payments on 
these assets are expensed to profit or loss as incurred.
 
(k) Inventories
Inventories comprise raw materials and finished goods and are 
stated at the lower of cost and net realisable value. Costs of raw 
materials and finished goods are determined after deducting 
rebates and discounts. Net realisable value is the estimated selling 
price in the ordinary course of business less the estimated costs of 
completion and the estimated costs necessary to make the sale.
(l) Intangibles Other than Goodwill
Intangible assets are identifiable non-monetary assets without 
physical substance. They are recognised only if it is probable the 
asset will generate future benefits for the Group. Those assets 
with an indefinite useful life are tested for impairment annually. 
All intangible assets are tested for impairment when there is an 
indication that carrying amounts may be greater than recoverable 
amounts as set out in note 1(h).
(i)     Patents  
Patents have a finite useful life and are carried at cost less 
accumulated amortisation and impairment losses. Amortisation 
is calculated using the straight-line method to allocate the cost of 
patents over their useful lives.  
(ii)    Brand names 
Brand names are initially recognised at fair value when acquired 
in a business combination. Brand names are assessed to have 
an indefinite useful and are carried at cost less accumulated 
impairment. An indefinite useful life is considered appropriate when 
there is no foreseeable limit to the period over which the brand 
name is expect to generate cash flows.
(m) Revenue recognition
Revenue is recognised for the major business activities as follows:
(i) 	 Equities 
Dividend income is recognised when received. Revenue from 
the sale of investments is recognised at trade date. 
(ii) 	 Property rental 
Rental income is recognised in accordance with the underlying 
rental agreements.
(iii) 	 Land development and sale 
Revenue is recognised on settlement.
(iv) 	 Sales of goods 
Revenue from the sale of goods is recognised at the point in 
time when the customer obtains control of the goods, which is 
generally at the time of delivery.	
(v) 	 Other investment revenue 
Trust income and option income is recognised when earned.
(vi) 	 Other property revenue 
Other property revenue is recognised in accordance with 
underlying agreements or when the right to receive payment is 	
established.
(vii) 	Interest revenue 
Interest revenue is recognised as interest accrues using the 
effective interest method. This is a method of calculating the 
amortised cost of a financial asset and allocating the interest 
income over the relevant period using the effective interest 
rate, which is the rate that exactly discounts estimated future 
cash receipts through the expected life of the financial asset to 
the net carrying amount of the financial asset.
(n) Trade and other receivables
Receivables consists mainly of amounts due for rental income and 
sale of goods. Receivables are initially recognised at fair value 
and subsequently measured at amortised cost using the effective 
interest method, less any allowance for expected credit losses. 
Amounts are usually due between seven and ninety days from 
invoice date. Amounts due for the sale of financial assets and 
properties are usually due on settlement unless the specific contract 
provides for extended terms.
36
37
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
INVESTING  TOGETHER  FOR  A  SECURE  FUTURE
GOWING  BROS.  LIMITED

1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED)
(o) Investments and other financial assets
Investments and other financial assets are initially measured at 
fair value. Transaction costs are included as part of the initial 
measurement, except for financial assets at fair value through profit 
or loss. Such assets are subsequently measured at either amortised 
cost or fair value depending on their classification. Classification is 
determined based on both the business model within which such 
assets are held and the contractual cash flow characteristics of the 
financial asset unless, an accounting mismatch is being avoided.
Financial assets are derecognised when the rights to receive cash 
flows have expired or have been transferred and the Group has 
transferred substantially all the risks and rewards of ownership. 
When there is no reasonable expectation of recovering part or all of 
a financial asset, it’s carrying value is written off.  
 
Derivative and hedging are classified as either fair value hedges, 
cash flow hedges or net investment hedges. For fair value hedges 
any gain or loss from remeasuring the hedging instrument at fair 
value is adjusted against the carrying amount of the hedged item 
and recognised in profit and loss. For cash flow hedges, the portion 
of the gain or loss on the hedging instrument that is determined to 
be an effective hedge is recognised in other comprehensive income 
and the ineffective portion is recognised in profit or loss. Hedges for 
net investments in foreign operations are accounted for similarly 
to cash flow hedges. Hedge accounting is discontinued when the 
hedging instrument expires or is sold, terminated or exercised, or 
no longer qualifies for hedge accounting. 
(i) 	 Financial assets at fair value through profit of loss 
 
Financial assets not measured at amortised cost or at fair 
value through other comprehensive income are classified as 
financial assets at fair value through profit or loss. Typically, 
such financial assets will be either: (i) held for trading, where 
they are acquired for the purpose of selling with an intention 
of making a profit, or a derivative; or (ii) designated as such 
upon initial recognition where permitted. Fair value movements 
are recognised in profit or loss. 
(ii) 	 Financial assets at fair value through other comprehensive 
income 
 
Financial assets at fair value through other comprehensive 
income include equity investments which the Group intends to 
hold for the foreseeable future and has irrevocably elected to 
classify them as such upon initial recognition. 
 
The fair values of quoted investments are based on current 
market prices. If the market for a financial asset is not active 
(and for unlisted securities), the Group establishes fair value 
by using valuation techniques. These include the use of recent 
arm’s length transactions, reference to other instruments that 
are substantially the same and relying as little as possible 
on unobservable inputs and maximising the use of relevant 
observable inputs.
(iii) 	 Impairment of financial assets 
 
The Group recognises a loss allowance for expected credit 
losses on financial assets which are either measured at 
amortised cost or fair value through other comprehensive 
income.  
The measurement of the loss allowance depends upon the 
Group’s assessment at the end of each reporting period as to 
whether the financial instrument’s credit risk has increased 
significantly since initial recognition, based on reasonable and 
supportable information that is available, without undue cost 
or effort to obtain. 
Where there has not been a significant increase in exposure to 
credit risk since initial recognition, a 12-month expected credit loss 
allowance is estimated. This represents a portion of the asset’s 
lifetime expected credit losses that is attributable to a default event 
that is possible within the next 12 months. Where a financial asset 
has become credit impaired or where it is determined that credit 
risk has increased significantly, the loss allowance is based on the 
asset’s lifetime expected credit losses. The amount of expected 
credit loss recognised is measured on the basis of the probability 
weighted present value of anticipated cash shortfalls over the life of 
the instrument discounted at the original effective interest rate. 
 
For financial assets measured at fair value through other 
comprehensive income, the loss allowance is recognised within 
other comprehensive income. In all other cases, the loss allowance 
is recognised in profit or loss.
(p)  Investment properties 
Investment properties, principally comprising freehold commercial 
and retail buildings, are held for long-term rental yields and are not 
occupied by the Group. Investment properties are initially recognised 
at cost, including transaction costs, and are subsequently remeasured 
at fair value. Movements in fair value are recognised directly to profit or 
loss.
Investment properties are derecognised when disposed of or when 
there is no future economic benefit expected.
 
(q) Joint ventures  
Jointly controlled assets 
The proportionate interests in the assets, liabilities and expenses of 
joint venture activities have been incorporated in the consolidated 
financial statements under the appropriate headings.  
(r) Trade and other payables
These amounts represent liabilities for goods and services provided 
to the Group prior to the end of the financial year and which are 
unpaid. The amounts are unsecured and are usually paid within 
thirty to sixty days after the end of the month of recognition. 
1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED)
(s) Borrowings
Borrowings are initially recognised at the fair value of the 
consideration received, net of transaction costs. They are 
subsequently measured at amortised cost using the effective 
interest method.  Borrowings are classified as current liabilities 
unless the Group has an unconditional right to defer settlement of 
the liability for at least 12 months after the statement of financial 
position date.
(t) Dividends
Provision is made for the amount of any dividend declared, 
determined or publicly recommended by the Directors on or before 
the end of the financial year but not distributed at balance date.
(u) Employee entitlements 
(i) 	 Wages, salaries and annual leave 
Liabilities for wages, salaries and annual leave are measured 
as the amount unpaid at the reporting date in respect of 
employees’ services up to that date at pay rates expected to be 
paid when the liabilities are settled.
(ii) 	 Long service leave 
A liability for long service leave is recognised, and is measured 
as the present value of expected future payments to be 
made in respect of services provided by employees up to the 
reporting date. Consideration is given to expected future wage 
and salary levels and periods of service.   
(v) Borrowing costs
Borrowing costs are recognised as expenses in the period in which 
they are incurred except where they are included in the costs of 
qualifying assets. Only borrowing costs relating specifically to the 
qualifying asset are capitalised. Borrowing costs include interest on 
bank overdrafts and short-term and long-term borrowings, including 
amounts paid or received on interest rate swaps.
(w) Cash and cash equivalents
For purposes of the statement of cash flows, cash includes deposits 
at call which are readily convertible to cash on hand and are subject 
to an insignificant risk of changes in value, net of outstanding bank 
overdrafts. Bank overdrafts are shown within borrowings in current 
liabilities in the consolidated statement of financial position.
(x) Lease liabilities
A lease liability is recognised at the commencement date of a lease. The 
lease liability is initially recognised at the present value of the lease 
payments to be made over the term of the lease, discounted using 
the interest rate implicit in the lease or, if that rate cannot be readily 
determined, the Group's incremental borrowing rate. Lease payments 
comprise of fixed payments less any lease incentives receivable, variable 
lease payments that depend on an index or a rate, amounts expected 
to be paid under residual value guarantees, exercise price of a purchase 
option when the exercise of the option is reasonably certain to occur, 
and any anticipated termination penalties. The variable lease payments 
that do not depend on an index or a rate are expensed in the period in 
which they are incurred. 
Lease liabilities are measured at amortised cost using the effective 
interest method. The carrying amounts are remeasured if there is a 
change in the following: future lease payments arising from a change 
in an index or a rate used; residual guarantee; lease term; certainty of 
a purchase option and termination penalties. When a lease liability is 
remeasured, an adjustment is made to the corresponding right-of use 
asset, or to profit or loss if the carrying amount of the right of use asset 
is fully written down. 
(y) Earnings per share 
(i) 	 Basic earnings per share 
Basic earnings per share is calculated by dividing the profit 
attributable to equity holders of the Group, excluding any costs 
of servicing equity other than ordinary shares, by the weighted 
average number of ordinary shares outstanding during the 
financial year, adjusted for bonus elements in ordinary shares 
issued during the year
(ii) 	 Diluted earnings per share 
Diluted earnings per share adjusts the figures used in the 
determination of basic earnings per share to take into account 
the after tax effect of the interest and other financing costs 
associated with dilutive potential ordinary shares and the 
weighted average number of shares assumed to have been 
issued for no consideration in relation to dilutive potential 
ordinary shares.
(z) Rounding of amounts
The Company is of a kind referred to in ASIC Corporations (Rounding 
in the Financial/ Directors' Reports) Instrument 2016/191 issued by 
the Australian Securities and Investments Commission relating to 
the "rounding off" of amounts in the directors' report and financial 
report. Amounts in the directors' report and financial report have 
been rounded to the nearest thousand dollars in accordance with 
that Legislative Instrument, unless otherwise indicated
38
39
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
INVESTING  TOGETHER  FOR  A  SECURE  FUTURE
GOWING  BROS.  LIMITED

2. FINANCIAL RISK MANAGEMENT
The Group’s activities expose it to a variety of financial risks: market risk (including foreign exchange risk, price risk and interest rate risk), 
liquidity risk, credit risk and fair value estimation risk. The Group’s overall risk management program focuses on the unpredictability of 
financial markets and seeks to minimise potential adverse effects on the financial performance of the Group through the mix of investment 
classes. The Board of Directors and management undertake various risk management practices, both informally on a daily basis and formally 
on a monthly basis at board level. Risks are identified and prioritised according to significance and probability. Progress towards managing 
these risks is documented and formally reviewed on a monthly basis.
 
Market risk 
(i) 	 Foreign exchange risk 
Foreign exchange risk arises when future commercial transactions and recognised financial assets and liabilities are denominated in a 
currency that is not the Group’s functional currency. The Group does not have a policy with regard to hedging currency risk. The Group 
has not hedged its foreign currency investments. The multiple currencies provide diversification benefits to the portfolio. The Group 
monitors foreign currency movements daily and seeks advice from foreign currency specialists as to potential courses of action that 
may protect or enhance the value of the Group’s investments.
The Group’s exposure to foreign currency risk on financial assets and liabilities at the reporting date was as follows:
Currency exposure in AUD
31st July 2024
31st July 2023
USD
$’000
EUR
$’000
GBP
$’000
JPY
$’000
USD
$’000
EUR
$’000
GBP
$’000
JPY
$’000
Cash and cash equivalents
8,878
308
101
1,222
5,162
462
72
514
Trade and other receivables
1,956
1,025
-
669
2,247
1,382
-
773
Trade and other payables
(679)
(565)
(37)
(264)
(536)
(388)
(35)
(112)
Lease liabilities
(1,114)
(492)
-
-
(243)
(556)
-
(36)
Equities
4,800
279
-
443
10,028
364
-
421
Private equities
890
-
-
-
916
-
-
-
 
Based on the cash held at 31 July 2024, if the Australian dollar weakened / strengthened by 10% against the US dollar, cash would have 
been $986,000 higher / $807,000 lower (2023: $574,000 higher / $469,000 lower). If the Australian dollar weakened / strengthened by 10% 
against the GBP, cash would have been $11,000 higher / $9,000 lower (2023: $8,000 higher / $7,000 lower). If the Australian dollar weakened 
/ strengthened by 10% against the EUR, cash would have been $34,000 higher / $28,000 lower (2023,: $51,000 higher / $42,000 lower). If the 
Australian dollar weakened / strengthened by 10% against the JPY, cash would have been $136,000 higher / $111,000 lower (2023: $57,000 
higher / $47,000 lower).
Based on the trade receivables held at 31 July 2024, if the Australian dollar weakened / strengthened by 10% against the US dollar, 
receivables would have been $217,000 higher / $178,000 lower (2023: $250,000 higher / $204,000 lower). If the Australian dollar weakened/
strengthened by 10% against the EUR, receivables would have been $114,000 higher / $93,000 lower (2023: $154,000 higher / $126,000 lower). 
If the Australian dollar weakened/strengthened by 10% against the JPY, receivables would have been $74,000 higher / $61,000 lower (2023: 
$86,000 higher / $70,000 lower).
Based on the trade payables held at 31 July 2024, if the Australian dollar weakened / strengthened by 10% against the US dollar, payables 
would have been $75,000 higher / $62,000 lower (2023: $12,000 higher / $10,000 lower). If the Australian dollar weakened/strengthened by 
10% against the EUR, payables would have been $63,000 higher / $51,000 lower (2023 $43,000 higher / $35,000 lower). If the Australian dollar 
weakened/strengthened by 10% against the GBP, payables would have been $4,000 higher / $3,000 lower (2023: $4,000 higher / $3,000 lower). 
If the Australian dollar weakened/strengthened by 10% against the JPY, payables would have been $29,000 higher / $24,000 lower (2023: $12,000 
higher / $10,000 lower).
Based on the lease liabilities held at 31 July 2024, if the Australian dollar weakened / strengthened by 10% against the US dollar, lease liabilities 
would have been $124,000 higher / $101,000 lower (2023: $26,000 higher / $21,000 lower). If the Australian dollar weakened/strengthened by 
10% against the EUR, lease liabilities would have been $55,000 higher / $45,000 lower (2023: $62,000 higher / $51,000 lower).  If the Australian 
dollar weakened / strengthened by 10% against the JPY, lease liabilities would have been $nil (2023: $4,000 higher / $3,000 lower).
Based on the equities held at 31 July 2024, if the Australian dollar weakened / strengthened by 10% against the US dollar, equities would have 
been $533,000 higher / $436,000 lower (2023: $1,114,000 higher / $912,000 lower). If the Australian dollar weakened/strengthened by 10% against 
the EUR, equities would have been $31,000 higher / $25,000 lower (2023: $40,000 higher / $33,000 lower). If the Australian dollar weakened/
strengthened by 10% against the JPY, equities would have been $49,000 higher / $40,000 lower (2023: $47,000 higher / $38,000 lower).
2. FINANCIAL RISK MANAGEMENT (CONTINUED)
Based on the private equities held at 31 July 2024, if the Australian dollar weakened / strengthened by 10% against the US dollar, private 
equities would have been $99,000 higher / $81,000 lower (2023: $102,000 higher / $83,000 lower).
The percentage change is the expected overall volatility of the significant currencies, which is based on management’s assessment of reasonable 
possible fluctuations taking into consideration movements over the last 6 months each year and the spot rate at each reporting date. 
(i) 	 Price risk 
The Group is exposed to asset price risk. This arises from equities and private equities held by the Group. A price reduction at 5% 
and 10% spread equally over the investment portfolio would reduce its value by $2,385,000 (2023: $2,438,000) and $4,770,000 (2023: 
$4,876,000) respectively. 
 
The Group seeks to reduce market risk at the investment portfolio level by ensuring that it is not overly exposed to one company or 
one particular sector of the market. The relative weightings of the individual investments and the relevant market sectors are reviewed 
regularly and risk can be managed by reducing exposure where necessary. The Group does not have set parameters as to a minimum or 
maximum amount of the portfolio that can be invested in a single company or sector. The writing and purchasing of options provides 
some protection against a fall in market prices by both generating income to partially compensate for a fall in capital values and buying 
put protection to lock in asset prices.
(ii) 	 Interest rate risk 
The Group’s interest-rate risk arises from long-term borrowings and cash on deposit. Borrowings issued at variable rates expose the 
Group to cash flow interest-rate risk. Borrowings issued at fixed rates expose the Group to fair value interest-rate risk. The Group’s 
interest bearing assets include deposits on the overnight money market. Interest earnt on these deposits varies according to the 
Reserve Bank’s monetary policy decisions. 
Weighted average
interest rate
31st July 2024
Balance $’000
Weighted average
interest rate
31st July 2023
Balance $’000
Borrowings
4.49%
95,865
5.06%
95,273
Interest rate swaps (notional principal amount)
1.69%
(47,000)
2.05%
(47,000)
Net exposure to cash flow interest rate risk
48,865
48,273
Credit risk
Credit risk refers to the risk that a counterparty will default on its contractual obligations resulting in financial loss to the Group. The Group 
has a strict code of credit, including obtaining agency credit information, confirming references and setting appropriate credit limits. The 
Group obtains guarantees where appropriate to mitigate credit risk. The maximum exposure to credit risk at the reporting date to recognised 
financial assets is the carrying amount, net of any provisions for impairment of those assets, as disclosed in the consolidated statement of 
financial position and notes to the consolidated financial statements. The Group does not hold any collateral.
Liquidity risk
This is the risk that an entity will encounter difficulty in meeting obligations associated with financial liabilities. Prudent liquidity risk 
management implies maintaining sufficient cash and marketable securities, the availability of funding through an adequate amount 
of committed credit facilities and the ability to close-out market positions. Management monitors its cash flow requirements daily. 
Furthermore, management monitors the level of contingent payments on a weekly basis by reference to known sales and purchases of 
securities and dividends and distributions to be paid or received.
Maturity of Financial Liabilities
31 July 2023
Less than 
1 year
Between 
1-2 years 
Between 
2-5 years 
Over 
5 years
Total contractual 
cash flow 
Non-derivatives
Non-interest bearing
5,195
10
-
-
5,205
Fixed rate
868
182
377
-
1,427
Variable rate
963
94,310
-
-
95,273
Total non-derivatives
7,026
94,502
377
-
101,905
Derivatives
Fixed rate
(405)
(405)
(88)
-
(898)
40
41
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
INVESTING  TOGETHER  FOR  A  SECURE  FUTURE
GOWING  BROS.  LIMITED

Reconciliation of level 3 fair value movements
31 July 2024
$’000
31 July 2023
$’000
Opening balance
202,509
221,015
Transfers from loans
348
400
Purchases
3,579
4,652
Sales
-
(9,253)
Amortisation and depreciation
(714)
(462)
Loss recognised to profit and loss 
(506)
(12,992)
Loss recognised to other comprehensive income
(703)
(851)
Closing balance
204,513
202,509
•	 Equities  -  refer to note 15
•	 Private equities  -  refer to note 16
•	 Investment properties  -  refer to note 18
Fair value measurements using significant unobservable inputs (level 3).  
The following table presents the changes in level 3 items for the period ended 31 July 2024:
31 July 2023
Level 1
Level 2
Level 3
Total
$’000
$’000
$’000
$’000
Financial assets – designated at fair value through other  
comprehensive income
Investments – Australian equities
25,984
-
6,737
32,721
Investments – Global equities
9,272
-
1,540
10,812
Derivatives
-
898
-
898
Financial assets – designated at fair values through profit or loss
Investments – Private equities
-
-
5,231
5,231
Investments – Investment properties
-
-
189,001
189,001
Total
35,256
898
202,509
238,663
31 July 2024
Level 1
Level 2
Level 3
Total
$’000
$’000
$’000
$’000
Financial assets – designated at fair value through other  
comprehensive income
Investments – Australian equities
30,373 
-
7,629
38,002
Investments – Global equities
2,965
-
1,537
4,502
Derivatives
-
372
-
372
Financial assets – designated at fair values through profit or loss
Investments – Private equities
-
-
5,199
5,199
Investments – Investment properties
-
-
190,148
190,148
Total
33,338
372
204,513
238,223
2. FINANCIAL RISK MANAGEMENT 
(CONTINUED)
Fair value hierarchy (continued)
Valuation techniques used to determine fair values 
Specific valuation techniques used to determine fair value include: 
•	 The fair value of listed Australian and global equities is based 
on quoted market prices at the reporting date.
•	 The fair value of directly held unlisted Australian and global 
equity investments is determined by management valuations 
in accordance with the AVCAL valuation guidelines. A variety 
of methods are used including reference to recent shares 
issued and net assets of underlying investments. 
•	 The fair value of derivatives is determined on the present 
value of furture expected cash flows.
•	 Investments in private equities primarily consist of 
investments in managed private equity funds, each of which 
consists of a number of investments in individual companies, 
none of which are material. Fair value of managed private 
equity investments has been determined using fund manager 
valuations, which are prepared in accordance with AVCAL 
Guidelines. Directors have reviewed those valuations. 
•	 The fair value of sub-regional and neighbourhood shopping 
centre investment properties is determined by management 
with reference to the latest independent valuations prepared 
for each shopping centre updated for changes in operating 
income and capitalisation rates which reflect vacancy rates, 
tenant profile, lease expiry, developing potential and the 
underlying physical condition of the property. For other 
investment properties, fair value is based on current market 
prices in an active market for properties of similar nature or 
recent prices in less active markets. 
3. CRITICAL ACCOUNTING ESTIMATES AND 
JUDGEMENTS
Managed and Direct Private Equity
The Group’s practice for ‘Managed Private Equity’ valuations is to 
procure each Fund Manager’s published unit price valuation and review 
it for reasonableness, potential misstatements and impairments. 
In reviewing each Fund Manager’s valuation, consideration is given 
to audited accounts, compliance with Australian Venture Capital 
Association (“AVCAL”) valuation guidelines, Australian Accounting 
Standards, valuation methodology and assumptions, peer valuations, 
recent market prices, liquidity and control provisions, discussions with 
the Fund Manager and, where considered relevant, meetings with the 
underlying investee company’s management.
The impact of the revaluation of managed private equities at 31 July 
2024 was a gain of $110,000 (2023: a gain of $380,000) recognised in 
profit or loss. 
The Group holds ‘Direct Private Equity’ investments in unlisted private 
companies which have been valued using the Board and management’s 
best estimation of market value. The valuation considerations for 
managed private equity are applied to direct private equity based on 
recent shares issued and net assets of underlying investments, liquidity 
and minority shareholder provisions.
Investment property
Investment property valuations are estimated by the board and 
management with reference where possible to external valuations, 
market appraisals, recent comparable sales, date of purchase and 
capitalisation rate valuations.  The impact on profit or loss relating 
to the revaluation of investment properties was a loss of $319,000 
(2023: loss of $13,271,000).
The Group had no assets or liabilities measured at fair value on a non-recurring basis in the current period.
Fair values of financial instruments not recognised at fair value
The Group has a number of financial instruments which are not measured at fair value at 31 July 2024. The  carrying amounts of cash and 
cash equivalents, current trade and other receivables, current trade and other payables, current borrowings and current lease liabilities 
are assumed to approximate their fair value due to their short-term nature. The carrying amounts of non-current trade and other payables, 
borrowings and lease liabilities approximate their fair value as the impact of discounting is not significant. 
Gains and losses on Australian and global equities are presented 
in the changes in fair value of equity instruments at fair value 
through other comprehensive income, net of tax line item in the 
consolidated statement of comprehensive income.
Gains and losses of private equities and investment properties are 
presented net as other income in the consolidated statement of profit or 
loss.
Refer to the following notes for reconciliation of individual classes of 
assets:
Transfers between fair value hierarchy levels and changes in 
valuation techniques used to determine fair value
Transfers between the levels of the fair value hierarchy are 
recognised at the beginning of the reporting period. There were 
no changes made to any of the valuation techniques used due to 
determine fair value during the year.
Significant unobservable inputs used in level 3 fair value 
measurements
Significant unobservable inputs used in level 3 fair value 
measurements relate to sub-regional and neighbourhood shopping 
centre capitalisation rates.  Refer to note 18 for further disclosures 
pertaining to these inputs.
2. FINANCIAL RISK MANAGEMENT (CONTINUED)
MATURITY OF FINANCIAL LIABILITIES (CONTINUED)
 
 
 
 
 
Fair value estimation risk 
The fair value of financial assets and financial liabilities must be estimated for recognition and measurement or for disclosure purposes. 
Fair value hierarchy 
The Group measures fair value using the following fair value hierarchy that reflects the significance of the inputs used in making the meas-
urements.
Level 1: quoted prices (unadjusted) in active markets for identical assets or liabilities that the Group can access at the measurement date. 
Level 2: inputs other than quoted prices included within level 1 that are observable for the assets or liabilities, either directly or indirectly. 
Level 3: unobservable inputs for the assets or liability. The following tables present the Group’s assets measured and recognised on a recurring 
basis at fair value at 31 July 2023 and 31 July 2024. The Group does not have any liabilities measured at fair value at either reporting date.
31 July 2024
Less than 
1 year
Between 
1-2 years 
Between 
2-5 years 
Over 
5 years
Total contractual 
cash flow 
Non-derivatives
Non-interest bearing
4,682
-
-
-
4,682
Fixed rate
1,051
294
398
-
1,743
Variable rate
-
-
95,865
-
95,865
Total non-derivatives
5,733
294
96,263
-
102,290
Derivatives
Fixed rate
(405)
(405)
421
-
(389)
42
43
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
INVESTING  TOGETHER  FOR  A  SECURE  FUTURE
GOWING  BROS.  LIMITED

4. SEGMENT INFORMATION
4. SEGMENT INFORMATION (CONTINUED)
For the year ended
 
 
 
31 July 2024 
$’000
31 July 2023 
$’000
Revenue from external customers by geographical region 
 
Australia
39,076
39,978
United States of America
 
11,876
12,449
Japan
 
5,693
7,318
Europe
 
8,899
9,600
Total revenue from external customers
 
65,544
69,345
The Group only derives revenue from external customers in the investment properties, development properties and Surf Hardware 
International business segments. 
As at
 
 
 
31 July 2024 
$’000
31 July 2023 
$’000
Segment assets
 
 
 
Cash and fixed interest 
 
18,327
17,394
Equities
 
42,505
43,533
Private equities
 
5,198
5,231
Investment properties
 
190,148
189,001
Development properties
 
28,158
23,195
Surf Hardware International business
21,555
21,045
Unallocated assets
 
16,111
22,881
Total assets
  
322,002
322,280
Segment liabilities
 
Investment properties
 
95,865
90,175
Surf Hardware International business
4,812
5,043
Unallocated liabilities
 
27,070
31,710
Total liabilities
 
127,747
126,928
Non-current assets by geographical region
Australia
275,910
264,990
United States of America
5,190
9,886
Japan
578
770
Europe
780
1,178
Total non-current assets 
 
282,458
276,824
The Group comprises of the following business segments, based on the group’s management reporting systems:
•	 Cash and fixed interest 
•	 Equities
•	 Private equities
•	 Investment properties
•	 Development properties
•	 Surf Hardware International business
•	 Other 
For the year ended
 
 
         
31 July 2024 
$’000
31 July 2023 
$’000
Segment revenue
 
 
 
Cash and fixed interest – interest received
 
709
360
Equities – dividends and option income received
 
768
1,392
Private equities – distributions received
 
65
104
Investment properties – rent received
 
19,041
18,646
Development properties – realised gains on disposal
8,788
7,950
Surf Hardware International business – sale of goods 
37,715
42,749
 
 
67,086
71,201
Segment other income
 
Private equities – realised and unrealised gains
(214)
294
Investment properties –realised and unrealised gains
(341)
(13,286)
Other
 
912
1,077
 
 
357
(11,915)
Total segment revenue and other income
 
67,443
59,286
For the year ended
 
 
         
31 July 2024 
$’000
31 July 2023 
$’000
Segment profit and loss
 
 
 
Cash and fixed interest
 
709
360
Equities 
 
768
1,392
Private equities 
 
(149)
398
Investment properties
 
4,392
(8,272)
Development properties
4,468
3,408
Surf Hardware International business 
(4,193)
(1,258)
Other
 
(6,404)
(5,630)
 Total segment result
 
(409)
(9,602)
Income tax benefit / (expense)
370
4,317
Net (loss) / profit after tax
 
(39)
(5,285)
44
45
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
INVESTING  TOGETHER  FOR  A  SECURE  FUTURE
GOWING  BROS.  LIMITED

4. SEGMENT INFORMATION (CONTINUED)
 
 
Accounting policies
Segment information is prepared in conformity with the accounting policies of the Group as disclosed in note 1.
Segment revenues, expenses, assets and liabilities are those that are directly attributable to a segment and the relevant portion that can be 
allocated to a segment on a reasonable basis.
All segments other than Surf Hardware International business segment 
Segment assets include all assets used by a segment and consist primarily of operating cash, investments, investment properties, 
development properties and plant and equipment, net of related provisions. While most of these assets can be directly attributable to 
individual segments, the carrying amounts of certain assets used jointly by segments are allocated based on reasonable estimates of usage. 
Segment liabilities consist of borrowings. Segment assets and liabilities do not include income taxes. Tax assets and liabilities, trade and 
other creditors and employee entitlements and goodwill are represented as unallocated amounts.
Surf Hardware International business segment 
Segment assets include all assets (excluding operating cash of $1.09 million (2023: $2.42 million) which is included in the cash segment) used 
by the Surf Hardware International business segment and consist primarily of trade and other receivables, inventories, plant and equipment, 
right of use assets and intangibles, net of related provisions.  Segment liabilities consist of borrowings, trade and other payables, lease 
liabilities and employee entitlements. Segment assets and liabilities do not include income taxes. Tax assets and liabilities are represented 
as unallocated amounts.
Segment cash flows
Segment information is not prepared for cash flows as management consider it not relevant to users in understanding the financial position 
and liquidity of the Group.
5. OPERATING PROFIT
For the year ended
 
 
 
31 July 2024 
$’000
31 July 2023
$’000
Payments for the acquisition of:
- Investment properties
2,196
3,120
- Development properties
2,333
3,863
- Equities
305
3,104
Gains / (losses) on disposal or revaluation of:
- Investment properties
(341)
(13,286)
- Private equities
(214)
294
Unallocated:
- Payments for the acquisition of property, plant and equipment
2,181
1,703
- Payments for the acquisition of intangibles
594
2
For the year ended
 
 
31 July 2024 
$’000
31 July 2023 
$’000
(Loss) / profit from continuing operations before income tax expense 
includes the following specific items:
 
 
Gains
Private equity investment distributions
 
65
104
Expenses
Interest and other borrowing costs
 
 
5,677
5,838
Employee benefits
11,377
12,367
Cost of sales (Surf Hardware International)
22,436
24,809
Cost of sales (Development properties)
4,320
4,542
6. INCOME TAX EXPENSE
11. CURRENT DEVELOPMENT PROPERTIES
10. CURRENT LOANS RECEIVABLES
9. CURRENT TRADE AND OTHER RECEIVABLES
8. CURRENT INVENTORIES
7.  CASH AND CASH EQUIVALENTS
For the year ended
31 July 2024
$’000
31 July 2023 
$’000
Current tax
533
(842)
Deferred tax
(480)
(3,234)
Over provided in prior years
(423)
(241)
(370)
(4,317)
Income tax attributable to:
Loss from continuing operations
(370)
(4,317)
Aggregate income tax expense on losses
(370)
(4,317)
Reconciliation of income tax expense to prima facie tax on losses
Loss from continuing operations before income tax expense
(409)
(9,602)
Tax at the Australian tax rate of 30% (2023: 30%)
(123)
(2,881)
Tax effect of amounts which are not deductible (taxable) in calculating taxable income:
    Non-assessable income/ Non-deductible expenses
(44)
28
    Franked dividends
(264)
(422)
    Over provision in prior year
(423)
(241)
Deferred tax assets recorded not recognised and effect of tax rates in 
foreign jurisdictions
484
(801)
Income tax benefit
(370)
(4,317)
Amounts recognised directly in equity 
Aggregated current and deferred tax arising in the reporting period and not 
recognised in net profit or loss but directly debited or (credited) to equity
1,502
831
As at
31 July 2024 
$’000
31 July 2023 
$’000
Cash at bank and on hand
18,327
17,394
Trade debtors
5,900
7,136
Less: expected credit losses
(235)
(302)
Balance at end of year
5,665
6,834
At cost or net realisable value
Balance at beginning of year
6,332
-
Cost of goods
(3,703)
-
Transfer from non-current investment properties
-
6,332
Balance at end of year
2,629
6,332
Loan receivables
100
137
At cost or net realisable value
Raw materials and finished goods
10,368
12,571
Balance at end of year
10,368
12,571
46
47
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
INVESTING  TOGETHER  FOR  A  SECURE  FUTURE
GOWING  BROS.  LIMITED

16. NON-CURRENT PRIVATE EQUITIES
At fair value through profit or loss
Balance at beginning of year
5,231
4,646
Revaluation to fair value
35
380
Additions
155
314
Disposal proceeds
(143)
(23)
Net (loss) / gain on disposal
(79)
(86)
Balance at end of year
5,199
5,231
Changes in fair values of private equities at fair value through the profit or loss are recorded in other income.
As at     
31 July 2024 
$’000
31 July 2023 
$’000
Tax receivable
1,089
854
14. NON-CURRENT LOAN RECEIVABLES
Loan receivables
400
363
Interest on loans are charged at commercial interest rates.  
15. NON-CURRENT EQUITIES 
At fair value through other comprehensive income
Balance at beginning of year
43,533
45,808
Revaluation to fair value
4,336
1,794
Additions
3,358
2,790
Transfers
-
400
Impairments
(30)
-
Disposal proceeds
(8,692)
(7,259)
Balance at end of year
42,505
43,533
Changes in fair value of equities are recorded in equity. 
13. OTHER CURRENT ASSETS 
Prepayments
3,327
1,334
Other
1
-
Balance at end of year
3,328
1,334
12. TAX RECEIVABLES
17. NON-CURRENT DEVELOPMENT PROPERTIES
At cost or net realisable value
Balance at beginning of year
23,195
30,206
Additions
2,333
3,863
Disposal proceeds
-
(7,950)
Net gain on disposal
-
3,408
Transfer to current development properties
-
(6,332)
Balance at end of year
25,528
23,195
18. NON-CURRENT INVESTMENT PROPERTIES
As at
31 July 2024 
$’000
31 July 2023 
$’000
At fair value
Balance at beginning of year
189,001
205,324
Additions
2,195
3,120
Disposal proceeds
-
(5,696)
Net loss on disposal
(341)
(15)
Amortisation on incentives
(707)
(461)
Net loss from fair value adjustment
-
(13,271)
Balance at end of year
190,148
189,001
Amounts recognised in profit of loss for investment properties
Rental revenue
19,041
18,646
Direct operating expenses from rental generating properties
(8,465)
(8,218)
Net loss on disposal
(341)
(15)
Net loss on revaluation
-
(13,271)
 
 
10,235
(2,858)
Changes in fair values of investment properties are recorded in other income.
 
 
 
 
Valuation 
Method
Weighted 
average cap 
rate 2024
Weighted 
average cap 
rate 2023
31 July 2024 
$’000
31 July 2023 
$’000
 
 
 
 
 
 
 
 
 
Sub-regional  and neighbourhood shopping 
centres (Coffs Central, Port Central and 
Kempsey Central)
(a)
7.42%
7.23%
189,031
187,885
Other properties
(b)
1,117
1,116
 
 
 
 
 
190,148
189,001
 
 
 
 
 
 
(a) 	
Fair value is based on capitalisation rates, which reflect vacancy rates, tenant profile, lease expiry, developing potential 
and the underlying physical condition of the property. The higher the capitalisation rate, the lower the fair value.   
 
Capitalisation rates used and the fair value adopted for each property at 31 July 2024 were based on external valuations 
adjusted for any changes in assumptions, estimates or source data with reference to the properties current and 
forecasted performance, vacancy levels, tenancy profile and recent market data.   
(b) 	
Current prices in an active market for properties of similar nature or recent prices of different nature in less active 
markets
Sensitivity analysis of sub-regional and neighbourhood shopping centre investment properties held at fair value
At 31 July 2024 a reduction of 0.5% in the capitalisation rate applied to each property would result in an additional gain of $14.819 million in 
the consolidated statement of profit or loss and consolidated statement of other comprehensive income. Similarly, an increase of 0.5% in the 
capitalisation rate of each property would result in an additional loss of $12.714 million in the consolidated statement of profit or loss and 
consolidated statement of other comprehensive income.
48
49
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
INVESTING  TOGETHER  FOR  A  SECURE  FUTURE
GOWING  BROS.  LIMITED

 
Motor vehicles 
$’000
Furniture, fittings 
& equipment 
$’000
 Total
$’000
Year ended 31 July 2023
Opening net book amount
429
3,980
4,409
Additions
38
1,665
1,703
Disposals
-
(9)
(9)
Depreciation charge
(76)
(733)
(809)
Closing net book amount
391
4,903
5,294
At 31 July 2023
Cost
870
12,707
13,577
Accumulated depreciation
(479)
 (7,804)
(8,283)
Net book amount
391
4,903
5,294
Year ended 31 July 2024
Opening net book amount
391
4,903
5,294
Additions
43
2,138
2,181
Reclassification
(10)
10
-
Depreciation charge
(72)
(725)
(797)
Closing net book amount
352
6,325
6,677
At 31 July 2024
Cost
715
12,728
13,443
Accumulated depreciation
(363)
(6,403)
(6,766)
Net book amount
352
6,325
6,677
19. NON-CURRENT PROPERTY, PLANT AND EQUIPMENT
Goodwill, brand names and patents
Year ended 31 July 2023
Opening net book amount
 2,383 
 1,375 
 3,758 
Additions
 - 
 2 
 2 
Amortisation
 - 
( 50)
( 50)
Closing net book amount
 2,383 
 1,327 
 3,710 
Cost
 2,383 
 2,867 
 5,250 
Accumulated depreciation
 - 
( 1,540)
( 1,540)
Net book amount
 2,383 
 1,327 
 3,710 
Year ended 31 July 2024
Opening net book amount
 2,383 
 1,327 
 3,710 
Additions
 - 
 594 
 594 
Amortisation
 - 
(130)
(130)
Impairment
(500)
 - 
(500)
Closing net book amount
 1,883 
 1,791 
 3,674 
Fair value / cost
 1,883 
 3,461 
 5,344 
Accumulated depreciation
 - 
( 1,670)
( 1,670)
Net book amount
 1,883 
 1,791 
 3,674 
20. NON-CURRENT INTANGIBLES
As at
 
 
31 July 2024
$’000
31 July 2023
$’000
Derivatives
 
372
898
Balance at end of year
 
372
898
22. DERIVATIVES
 
Land and buildings 
 $’000
Motor vehicles 
$’000
Equipment
 $’000
 Total
$’000
Year ended 31 July 2023
Opening net book amount
1,609
29
75
1,713
Additions
586
-
-
586
Lease modifications
-
-
-
-
Foreign exchange movements
-
-
-
-
Depreciation charge
(917)
(19)
(30)
(966)
Closing net book amount
1,278
10
45
1,333
At 31 July 2023
Cost
5,587
106
105
5,798
Accumulated depreciation
(4,309)
(96)
(60)
(4,465)
Net book amount
1,278
10
45
1,333
Year ended 31 July 2024
Opening net book amount
1,278
10
45
1,333
Additions
959
18
16
993
Lease modifications
-
-
-
-
Foreign exchange movements
-
-
-
-
Depreciation charge
(944)
(27)
(24)
(995)
Closing net book amount
1,293
1
37
1,331
At 31 July 2024
Cost
7,283
120
114
7,517
Accumulated depreciation
(5,990)
(119)
(77)
(6,186)
Net book amount
1,293
1
37
1,331
21. NON-CURRENT RIGHT OF USE ASSETS
Additional information regarding leases
The Group leases land and buildings for its offices and retail 
operations which have lease terms of between one and five years 
with, in some cases, options to extend. On renewal, the terms of 
the leases are renegotiated. The Group also leases motor vehicles 
and equipment under agreements of between one to five years.
Each lease generally imposes a restriction that, unless there is 
a contractual right for the Group to sublet the asset to another 
party, the right of use asset can only be used by the Group.
The Group’s leases include extension and termination options 
which are exercisable by the Group. These clauses provide the 
Group opportunities to manage leases in order to align with its 
strategies. The extension and termination options which were 
reasonably certain to be exercised are included in the calculation 
of the right-to-use asset.
Intangible assets, other than goodwill and brand names have finite 
useful lives. Goodwill and brand names have an indefinite useful 
life. Goodwill and brand names are allocated to the Surf Hardware 
International business segment (“the cash-generating unit”). 
The Group tests whether goodwill and brand names have suffered 
any impairment at each reporting period.  The recoverable amount 
of the cash-generating unit is determined based on either value-in-
use calculations or the estimated fair value less costs to sell.   
The recoverable amount of the cash-generating unit is based 
on value-in-use of the Surf Hardware International business 
segment which is calculated based on the present value of cash 
flow projections over a five year period with the period extending 
beyond four years extrapolated using an estimated growth rate.
Five year projected cash flows in respect of the Surf Hardware 
International business segment are $20m.  Key assumptions include: 
(a) 10% discount rate; (b) 2.6% per annum projected net revenue 
growth rate; (c) 1.3% per annum increase in operating expenses; 
and (d) 3.5% terminal growth rate. Based on these assumptions 
the Directors determined an impairment charge of $500,000 be 
recognised during the current reporting period.
20. NON-CURRENT INTANGIBLES (CONTINUED)
50
51
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
INVESTING  TOGETHER  FOR  A  SECURE  FUTURE
GOWING  BROS.  LIMITED

Risk
The Group’s exposure to interest rate changes arising from current and 
non-current borrowings is set out in note 2.
Refinancing / Repayment
The Group expects to renew or refinance current borrowing facilities 
on normal commercial terms and rates that are acceptable to the 
Group prior to the respective repayment dates.  Alternatively, the Group 
believes it has the ability to repay any outstanding debt under these 
facilities from excess cash reserves, proceeds received from the disposal 
of assets or from cash sourced or raised through the Group’s operating 
or financing activities. 
Security 
Information about the security relating to each of the secured liabilities 
and the fair value of each of the borrowings is provided in note 29.
24. OTHER NON-CURRENT ASSETS
As at
31 July 2024 
$’000
31 July 2023 
$’000
Other assets
3,415
2,795
As at
31 July 2024 
$’000
31 July 2023 
$’000
Trade creditors
1,829
1,886
Other creditors and accruals
2,853
3,309
Balance at end of year
4,682
5,195
25. CURRENT TRADE AND OTHER PAYABLES
26. CURRENT BORROWINGS
Commercial advance facility - secured
-
963
Balance at end of year
-
963
27. CURRENT LEASE LIABILITIES
Lease liabilities
1,051
868
28. CURRENT PROVISIONS
Employee entitlements
819
812
Balance at end of year
819
812
Risk
The Group’s exposure to interest rate changes arising from current and non-current borrowings is set out in note 2.
 
Security 
Details of the security relating to each of the secured liabilities and further information on banks loans are set out below. 
¹$95.865 million bill is secured against the Gowings Wholesale Property Fund (the “Fund”). Interest on the outstanding principal of the bill is 
charged at BBSY plus a line fee of 1.90%. The lender requires that the Fund meet certain financial ratios at 31 July 2024, the Fund must have a 
minimum interest coverage ratio of 1.65 times and the facility is not to exceed 55% of the aggregate value of the of the latest bank accepted 
valuations of the Shopping Centers.    
29. NON-CURRENT BORROWINGS
As at
31 July 2024
$’000 
31 July 2023
$’000 
Bills payable - secured
95,865
94,310
Total secured liabilities
 
The total secured liabilities (current and non-current) are as follows:
 
 
Bills payable – secured¹
95,865
94,310
Commercial advance facility – secured²
-
986
 
95,865
95,296
As at
31 July 2024 
$’000
31 July 2023
$’000
Financing Arrangements 
Unrestricted access was available at balance date to the following lines of credit:
Total facilities
 
 
Secured bill facilities
95,865
106,000
Secured commercial advance facility
-
2,000
 
95,865
108,000
Used at balance date
Secured bill facilities
95,865
94,310
Secured commercial advance facility
-
986
 
95,865
95,296
Unused at balance date
Secured bill facilities¹
-
11,690
Secured commercial advance facility
-
1,014
-
12,704
Off-balance sheet
There are no off-balance sheet borrowings or related contingencies.
23. DEFERRED TAX ASSETS
As at
 
 
31 July 2024 
$’000
31 July 2023
$’000
The balance comprises temporary differences attributable to:
 
 
 
Employee benefits
 
297
154
Accruals
 
107
202
Equities
 
-
221
Derivatives
-
12
Tax losses
(91)
184
Other
 
934
698
Net deferred tax assets
 
1,247
1,471
Movements:
 
Opening balance at 1 August
 
1,471
1,701
Debited to profit or loss
 
(224)
(230)
Closing balance at 31 July
 
1,247
1,471
Deferred tax assets to be recovered within 12 months
 
704
386
Deferred tax assets to be recovered after 12 months
 
543
1,085
 
 
1,247
1,471
52
53
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
INVESTING  TOGETHER  FOR  A  SECURE  FUTURE
GOWING  BROS.  LIMITED

30. NON-CURRENT LEASE LIABILITY
As at
31 July 2024
$’000
31 July 2023
$’000
Lease liabilities
692
559
31. NON-CURRENT PROVISIONS
Employee entitlements
311
301
32. DEFERRED TAX LIABILITIES
The balance comprises temporary differences attributable to:
Prepayments
134
100
Intangibles
189
315
Investment properties
18,489
17,443
Equities
4,823
5,094
Other
692
958
Net deferred tax liabilities
24,327
23,910
Movements:
Opening balance at 1 August
23,910
26,508
Credited to profit or loss
(414)
(3,429)
Charged to equity
831
831
Closing balance at 31 July
24,327
23,910
Deferred tax liabilities to be settled within 12 months
345
100
Deferred tax liabilities to be settled after 12 months
23,982
23,810
24,327
23,910
Ordinary shares 
Ordinary shares entitle the holder to participate in dividends and the proceeds on winding up of the Company in proportion to the number 
of and amounts paid on the shares held. On a show of hands every holder of ordinary shares present at a meeting in person or by proxy is 
entitled to one vote, and upon a poll each share is entitled to one vote. 
Dividend Reinvestment Plan 
The Dividend Reinvestment Plan may be offered to shareholders by Directors and allows shareholders to reinvest dividends into shares in 
the Company. The Dividend Reinvestment Plan is suspended for the final dividend declared on 30 September 2024.
 
Deferred Employee Share Plan
The Deferred Employee Share Plan may be used as part of any incentive payments for all employees. For transaction cost reasons, where 
possible shares bought back as part of the Company’s ongoing capital reduction program are recognised for this purpose rather than 
cancelled.
Options
There were no options on issue at the time of this report.  
On-market share buy back
294,432 shares were bought back during the year (2023: Nil).
Capital risk management
The Company’s objective when managing capital is to safeguard the ability to continue as a going concern, so that continued returns to 
shareholders and benefits for other stakeholders can be provided while maintaining an optimal capital structure.
33. CONTRIBUTED EQUITY
Number of 
shares 2024
Number of 
shares 2023
2024
$’000
2023
$’000
Share capital
Ordinary shares fully paid
53,016,693
53,311,125
11,113
11,781
Movements in ordinary share capital – for the year ended 31 July 2024
Date
Details
Number of 
shares
Issue price per 
share
$’000
31/07/2023
Balance
53,311,125
11,781
09/10/2023
Share buy-back
(50,000)
$2.29
(115)
12/01/2024
Share buy-back
(157,480)
$2.28
(359)
24/01/2024
Share buy-back
(37,152)
$2.24
(83)
14/02/2024
Share buy-back
(49,800)
$2.24
(111)
53,016,693
11,113
Movements in ordinary share capital – for the year ended 31 July 2023
Date
Details
Number of 
shares
Issue price per 
share
$’000
31/07/2022
Balance
53,311,125
11,781
53,311,125
11,781
54
55
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
INVESTING  TOGETHER  FOR  A  SECURE  FUTURE
GOWING  BROS.  LIMITED

34. RESERVES
As at 
31 July 2024
$’000
31 July 2023
$’000
Capital profits reserve¹
Opening balance
90,503
90,503
Transfer from retained profits
-
-
Closing balance
90,503
90,503
Long term investment revaluation reserve²
 
Opening balance
11,886
9,590
Fair value adjustments on equities 
    - Equities
4,919
1,794
    - Deferred tax applicable to fair value adjustments
(1,475)
(539)
    - Transfer of losses on sale of equity instruments at fair value through  
      comprehensive income to retained profits, net of tax
(3,260)
1,041
Closing balance
 
12,070
11,886
Foreign currency translation reserve³
Opening balance
704
216
Exchange differences on translation of foreign operations
(159)
488
 Closing balance
 
545
704
Hedging reserve - Cash flow hedges⁴
Opening balance
683
-
Changes in hedges held at fair value through other comprehensive 
income
•	
Changes in fair value of cash flow hedges
(486)
975
•	
Deferred tax applicable to fair value adjustments
-
(292)
 Closing balance
 
197
683
Total reserves
103,314
103,776
 
¹ The capital profits reserve is used to record pre-CGT profits. 
² The long term investment revaluation reserve is used to record increments and decrements on equities held at fair value through other    
   comprehensive income. 
³ The foreign currency translation reserve records exchange rate differences arising on translation differences on foreign controlled      
   subsidiaries. 
⁴ The Hedging reserve is used to recognise the effective portion of gains and losses on derivatives that are designated and qualify as cash   
   flow hedges.
Franked dividends declared and paid during the year were fully franked at the tax rate of 30% (2023: 30%).
Dividends declared after year end 
 
Subsequent to year end the Directors have declared the payment of a final dividend of 3.45 cents per ordinary share fully franked 
based on tax paid at 30%. The dividend is payable on 5 November 2024 out of retained profits at 31 July 2024.
The financial effect of the dividend declared subsequent to the reporting date has not been brought to account in the financial 
statements for the year ended 31 July 2024 and will be recognised in subsequent financial reports.
The above amounts are based on the balance of the franking account at year end, adjusted for:
(a) franking credits that will arise from the payment of the current tax receivable;  
(b) franking debits that will arise from the payment of dividends recognised as a liability at the reporting date;  
(c) franking credits that will arise from the receipt of dividends recognised as receivables at the reporting date; and   
(d) franking credits that may be prevented from being distributed in subsequent financial years.       
35. DIVIDENDS
As at
31 July  2024
$’000
31 July  2023
$’000
Ordinary shares
 
 
2023 final dividend of 3.0 cents (2022: 4.0 cents interim) per share
1,599
2,133
2024 interim dividend of 3.0 cents (2023: 3.0 cents interim) per share
1,590
1,599
Total dividends declared
3,189
3,732
Dividends paid in cash
3,189
3,732
Dividends paid via Dividend Reinvestment Plan
-
-
3,189
3,732
Franked dividends 
 
The franked portions of the final dividends declared after 31 July 2024 will be franked out of existing franking credits or out of franking 
credits arising from the payment of income tax in the year ended 31 July 2024. 
Franking credits available for subsequent financial years (tax paid basis)
3,728
4,760
36. REMUNERATION OF AUDITORS
 
During the year the following fees were paid or payable for services provided by William Buck the auditor of the company:
31 July 2024
$
31 July 2023
$
Audit services – William Buck
Audit and review – group
127,000
123,500
Audit and review – controlled entities
146,900
50,500
Other services – William Buck
Financial review
13,500
5,250
287,400
179,250
56
57
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
INVESTING  TOGETHER  FOR  A  SECURE  FUTURE
GOWING  BROS.  LIMITED

38. RELATED PARTIES (CONTINUED)
The sons of Mr J E Gowing provided operational services during the year on an employment basis totalling $193,085 (2023: $72,378), and 
associate director services totalling $nil (2022: $5,259).
39. INTERESTS IN OTHER ENTITIES (EXCLUDING JOINT VENTURES)
The Group’s principal subsidiaries and other interests are set out below:
Unless otherwise stated, subsidiaries and other interests listed below have share capital comprising of ordinary shares or ordinary units 
which are held directly by the Group. The proportion of ownership interests held equals the voting rights held by the Group. 
37. COMMITMENTS FOR EXPENDITURE
38. RELATED PARTIES
Directors 
The names of persons who were Directors of Gowing Bros. Limited at any time during the financial year were J. E. Gowing, J. G. Parker, J. E. 
Davis, J. E. Gowing and S. J. Clancy. 
Those persons that were also Directors during the year ended 31 July 2024.
Remuneration 
Information on remuneration of Directors and other key management personnel is disclosed in the remuneration repot.
Detailed remuneration disclosures can be found in the remuneration report on pages 24 to 26.
Capital commitments – Private equities
The Group has uncalled capital commitments of up to $3,064,000 (2023: $3,205,000) in relation to private equity and property fund 
investments held at year end.   
Capital commitments – Development properties
The Group has capital commitments of $nil (2023: $nil) in relation to construction works on development properties at year end. 
Other key management personnel did not hold shares in the Company.
Receivables and payables from Directors and Executives
Key management person
Transaction type
31 July 2024
$
31 July 2023
$
J. E. Gowing
Receivable – Audley Investments Pty Ltd
17,380
55,196
J. E. Gowing
Payable – Gowings Whale Trust
(88,472)
(59,232)
 
Transactions with Key Management Personnel and Directors 
Key management person
Transaction type
31 July 2024
$
31 July 2023
$
E. J. Gowing
Operational / marketing services
58,085
-
31 July 2024
$
31 July 2023
$
Directors and other key management personnel
Short-term employee benefits
508,552
487,475
Post-employment benefits
50,456
60,074
Long-term benefits
9,930
4,499
568,938
552,048
Other related party transactions
Key management person
Transaction type
31 July 2024
$
31 July 2023
$
J. E. Gowing
Donations – Whale Trust
547,717
413,252
J. E. Gowing
Professional fees – Audley Investments Pty Ltd
17,380
50,178
There were no other transactions with Directors and Director related entities and Executives.
Entity Name
Country of 
Incorporation 
Ownership 
Interest % 2024
Ownership 
Interest % 2023
Pacific Coast Developments 357 Pty Ltd
Australia
100
100
Pacific Coast Developments 357 Fund
Australia
99.9
99.9
1868 Capital Pty Ltd
Australia
100
100
Pacific Coast Developments 112 Fund
Australia
99.9
99.9
Gowings SHI Pty Ltd
Australia
99.9
99.9
SHI Holdings Pty Ltd
Australia
99.9
99.9
Fin Control Systems Pty Ltd
Australia
99.9
99.9
Surfing Hardware International Holdings Pty Ltd
Australia
99.9
99.9
Surf Hardware International Asia Pty Ltd
Australia
99.9
99.9
Surf Hardware International Europe SARL
France
99.9
99.9
Surf Hardware International UK Ltd
England
99.9
99.9
OZ4U Holdings Pty Ltd
Australia
99.9
99.9
Sunbum Technologies Pty Ltd
Australia
99.9
99.9
Surfing Hardware International USA Inc.
United States of America
99.9
99.9
Surf Hardware International USA Inc.
United States of America
99.9
99.9
Surf Hardware International Hawaii Inc.
United States of America
99.9
99.9
Surf Hardware International Japan KK
Japan
99.9
99.9
Surf Hardware International Pty Ltd
Australia
99.9
99.9
Surf Hardware International New Zealand Pty Ltd
New Zealand
99.9
99.9
Gowings Master Trust
Australia
100
100
1868 High Yield Trust
Australia
100
100
Gowings Life Sciences Trust
Australia
100
100
Gowing Bros Management Services Pty Ltd
Australia
100
100
Coastbeat Pty Ltd
Australia
100
100
Gowings Wholesale Property Fund
Australia
100
100
Coffs Central Pty Ltd
Australia
100
100
Coffs Central Sub-Trust
Australia
100
100
Port Central Pty Ltd
Australia
100
100
Port Central Sub-Trust
Australia
100
100
Kempsey Central Pty Ltd
Australia
100
100
Kempsey Central Sub-Trust
Australia
100
100
No other interests in subsidiaries or other entities (excluding joint 
ventures) were held by the Group in the 31 July 2024   financial year.
Non-controlling interests in subsidiaries and other interests of the 
Group are not material to the Group.
Significant Restrictions
Other than certain assets pledged as security detailed in note 29, 
there are no significant restrictions over the Group’s ability to access 
or use assets, and settle liabilities, of the Group
Movement in shares
Key management person
Shares held* at 
31-Jul-22
No.
Shares acquired/ 
(disposed) during 
the year
No.
Shares held* at 
31-Jul-23
No.
Shares acquired/ 
(disposed) during 
the year
No.
Shares held* at 
31-Jul-24
No.
J. E. Gowing*
20,990,202
3,546
20,993,748
- 
 20,993,748
J. G. Parker
57,306
-
57,306
-
57,306
S. J. Clancy
5,000
-
5,000
-
  5,000
J. E. Davis
-
-
-
5,000
  5,000
J. E. Gowing (James)
64,504
-
64,504
-
   64,504
*Directly and indirectly
58
59
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
INVESTING  TOGETHER  FOR  A  SECURE  FUTURE
GOWING  BROS.  LIMITED

40. SHARE BASED PAYMENTS
The Deferred Employee Share Plan has been in operation since 2006 which allows fully paid ordinary shares to be issued for no cash 
consideration from shares held by the Plan. All Australian resident permanent employees and non-executive Directors are eligible to 
participate in the scheme. Employees may elect not to participate in the scheme.
Shares are acquired on-market prior to the issue. Shares issued under the scheme may not be sold until the earlier of three years after issue 
or cessation of employment of the Group. In all other respects the shares rank equally with other fully-paid ordinary shares on issue.
Options
Nil options were on issue at year end (2023: Nil).
41. EARNINGS PER SHARE
31 July 2024
31 July 2023
Basic earnings per share (cents)
(0.07)c
(9.91)c
Diluted earnings per share (cents)
(0.07)c
(9.91)c
Weight average number of ordinary shares on issue
53,142,158
53,311,125
Net loss after tax
($39,000)
($5,285,000)
42. PARENT ENTITY INFORMATION
The following information has been extracted from the books and records of the Company and has been prepared in accordance with 
Australian Accounting Standards:
Parent entity contractual commitments 
The Company has no contractual commitments other than uncalled capital commitments for private equities and development properties as 
noted in note 37 (2023: Uncalled capital commitments for private equities and development properties as noted in note 37).
 
Parent entity contingent liabilities 
The Company has nil contingent liabilities at year end (2023: nil).
Parent entity guarantees in respect to debts of its subsidiaries
The Company has not entered into any guarantees in respect to debts of its subsidiaries at year end (2023: nil).
Statement of Financial Position 
31 July 2024
$’000
31 July 2023
$’000
Assets
Current assets
18,083
14,764
Non-current assets
199,331
295,556
Total assets
217,414
310,320
Liabilities
Current liabilities
1,654
2,091
Non-current liabilities
23,899
118,431
Total liabilities
25,553
120,522
Net assets
191,861
189,798
Equity
Issued capital
11,113
11,781
Capital profits reserve
90,503
90,503
Long term investment revaluation reserve
12,421
12,290
Asset revaluation reserve
-
683
Retained earnings
77,824
74,541
Total equity
191,861
189,798
Statement of Profit or Loss and other Comprehensive Income 
Net loss after income tax
(3,211)
(5,810)
Total comprehensive (loss) / income 
(552)
3,382
60
61
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
INVESTING  TOGETHER  FOR  A  SECURE  FUTURE
GOWING  BROS.  LIMITED

43. RECONCILATION OF NET PROFIT TO NET CASH INFLOW FROM OPERATING ACTIVITIES 
 
31 July 2024
$’000
31 July 2023
$’000
Loss from ordinary activities after income tax
(39)
(5,285)
Amortisation of lease incentives
708
461
Depreciation and amortisation
1,923
1,825
Net loss on the sale of private equities
222
86
Net loss on the sale of investment properties
341
15
Net gain on the sale of development properties
(5,085)
(3,408)
Revaluation of investment properties to fair value
-
13,271
Revaluation of private equities to fair value
(35)
(380)
Revaluation of derivatives to fair value
525
77
Decrease / (increase) in receivables
1,169
(20)
(Increase) / decrease in prepayments
(2,030)
110
Decrease in inventories
2,203
369
Decrease in income taxes
(1,556)
(6,063)
Increase / (decrease) in provisions
18
(415)
Other (FX)
2,095
-
Write off of intangibles
500
-
(Decrease) / increase in trade creditors and accruals
(523)
833
Net cash inflows from operating activities
436
1,476
Liabilities from 
financing activities
Opening balance – 
31 July 2023
Cash flows 
from financing 
activities
Gain on disposal
Additions 
and lease 
modifications
Closing balance – 
31 July 2024
Borrowings¹
95,273
592³
-
-
95,865
Lease liabilities²
1,427
(1,928)
-
2,244
1,743
¹ Relates to current and non-current borrowings. 
² Relates to current and non-current lease liabilities. 
³ Relates to the following cash flows from financing activities for the year ended 31 July 2024:
- Proceeds from borrowings
95,865
- Repayments of borrowings
(95,273)
592
44. CHANGES IN LIABILITIES ARISING FROM FINANCING ACTIVITIES 
CONSOLIDATED ENTITY DISCLOSURE STATEMENT AS AT 31 JULY 2024 
1.	
The Group has announced a dividend since the end of the year 
which has been included in Note 35.
45. SUBSEQUENT EVENTS 
The following subsequent events have occurred subsequent to the end of the financial year:
No other matters or circumstances have arisen which has significantly affected, or may significantly affect, the operations of the Group, the 
results of those operations or the state of affairs of the Group in future financial years.
Name of entity
Type of entity
Country of 
Incorporation 
Ownership %
Trustee, partner or 
participant in a joint 
venture
Australian 
resident or 
foreign resident
Foreign jurisdiction 
of foreign resident
Gowing Bros Limited
Body corporate
Australia
100
n/a
Australian
n/a
Pacific Coast Developments 357 Pty Ltd
Body corporate
Australia
100
Trustee of Pacific Coast 
Developments 357 Fund, 
1868 High Yield Trust, 
Gowings Life Sciences Trust
Australian
n/a
Pacific Coast Developments 357 Fund
Trust
Australia
99.9
n/a
Australian
n/a
1868 Capital Pty Ltd
Body corporate
Australia
100
Trustee of Pacific Coast 
Developments 357 Fund, 
1868 High Yield Trust, 
Gowings Life Sciences Trust
Australian
n/a
Pacific Coast Developments 112 Fund
Trust
Australia
99.9
n/a
Australian
n/a
Gowings SHI Pty Ltd
23/10/24
Australia
99.9
n/a
Australian
n/a
SHI Holdings Pty Ltd
Body corporate
Australia
99.9
n/a
Australian
n/a
Fin Control Systems Pty Ltd
Body corporate
Australia
99.9
n/a
Australian
n/a
Surfing Hardware International Holdings 
Pty Ltd
Body corporate
Australia
99.9
n/a
Australian
n/a
Surf Hardware International Asia Pty Ltd
Body corporate
Australia
99.9
n/a
Australian
n/a
Surf Hardware International Europe SARL
Body corporate
France
99.9
n/a
Foreign
France
Surf Hardware International UK Ltd
Body corporate
England
99.9
n/a
Foreign
England
OZ4U Holdings Pty Ltd
Body corporate
Australia
99.9
n/a
Australia
n/a
Sunbum Technologies Pty Ltd
Body corporate
Australia
99.9
n/a
Australia
n/a
Surfing Hardware International USA Inc.
Body corporate
USA
99.9
n/a
Foreign
UISA
Surf Hardware International USA Inc.
Body corporate
USA
99.9
n/a
Foreign
USA
Surf Hardware International Hawaii Inc.
Body corporate
USA
99.9
n/a
Foreign
USA
Surf Hardware International Japan KK
Body corporate
Japan
99.9
n/a
Foreign
Japan
Surf Hardware International Pty Ltd
Body corporate
Australia
99.9
n/a
Australia
n/a
Surf Hardware International New Zealand Pty Ltd
Body corporate
New Zealand
99.9
n/a
Foreign
New Zealand
Gowings Master Trust
Trust
Australia
100
n/a
Australian
n/a
1868 High Yield Trust
Trust
Australia
100
n/a
Australian
n/a
Gowings Life Sciences Trust
Trust
Australia
100
n/a
Australian
n/a
Gowing Bros Management Services Pty Ltd
Body corporate
Australia
100
n/a
Australian
n/a
Coastbeat Pty Ltd
Body corporate
Australia
100
n/a
Australian
n/a
Gowings Wholesale Property Fund
Body corporate
Australia
100
n/a
Australian
n/a
Coffs Central Pty Ltd
Body corporate
Australia
100
Trustee of Coffs Central 
Sub-Trust
Australian
n/a
Coffs Central Sub-Trust
Trust
Australia
100
n/a
Australian
n/a
Port Central Pty Ltd
Body corporate
Australia
100
Trustee of Port Central Sub-
Trust
Australian
n/a
Port Central Sub-Trust
Trust
Australia
100
n/a
Australian
n/a
Kempsey Central Pty Ltd
Body corporate
Australia
100
Trustee of Kempsey Central 
Sub-Trust
Australian
n/a
Kempsey Central Sub-Trust
Trust
Australia
100
n/a
Australian
n/a
46. OTHER INFORMATION
Gowing Bros. Limited is incorporated and domiciled in New South 
Wales. The registered office, and principal place of business, is Suite 
303, 35-61 Harbour Drive, Coffs Harbour, NSW, 2450. 
Phone: 	
	
61 2 9264 6321 
Facsimile: 	
61 2 9264 6240 
Email: 	
	
info@gowings.com 
Website:	 	
www.gowings.com
Gowing Bros. Limited shares are listed on the Australian Securities 
Exchange.
The share register is maintained by Computershare Investor 
Services Pty. Limited, Level 3, 60 Carrington Street, Sydney NSW 
2000, Telephone 1300 855 080, Overseas callers +61 (0)2 8234 5000, 
Facsimile + 61 (0)2 8234 5050
62
63
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
INVESTING  TOGETHER  FOR  A  SECURE  FUTURE
GOWING  BROS.  LIMITED

 
 
 
Level 29, 66 Goulburn Street, Sydney NSW 2000 
Level 7, 3 Horwood Place, Parramatta NSW 2150 
1/28 National Circuit, Forrest ACT 2603 
+61 2 8263 4000 
+61 2 8263 4000 
+61 2 6126 8500 
nsw.info@williambuck.com
nsw.info@williambuck.com
act.info@williambuck.com
williambuck.com
 
William Buck is an association of firms, each trading under the name of William Buck 
across Australia and New Zealand with affiliated offices worldwide. 
Liability limited by a scheme approved under Professional Standards Legislation. 
 
Lead Auditor’s Independence Declaration under Section 307C of 
the Corporations Act 2001 
To the directors of Gowing Bros. Limited 
As lead auditor for the audit of Gowing Bros. Limited for the year ended 31 July 2024, I declare that, to the 
best of my knowledge and belief, there have been: 
— no contraventions of the auditor independence requirements as set out in the Corporations Act 2001 in 
relation to the audit; and 
— no contraventions of any applicable code of professional conduct in relation to the audit, including APES 
110 “Code of Ethics for Professional Accountants (Including Independence Standards)”. 
 
 
 
 
William Buck 
Accountants & Advisors 
ABN: 16 021 300 521 
 
 
 
L. E. Tutt 
Partner 
Sydney, 28 October 2024 
 
 
J. E. Gowing
Executive Chairman and 
Managing Director
Coffs Harbour, NSW
28    October 2024
1.	
In the directors’ opinion:
(a) 	
the consolidated financial statements and notes set out on pages 27 to 61 are in accordance with the 
Corporations Act 2001, including:
(i)   complying with Accounting Standards and the Corporations Regulations 2001 and other mandatory professional reporting  
       requirements; and
(ii)   giving a true and fair view of the Group’s financial position as at 31 July 2024 and of its performance for the financial year ended  
       on that date; and
(b) 	
there are reasonable grounds to believe that the Company will be able to pay its debts as and when they become due and 
payable.
2.      The notes to the consolidated financial statements include a statement of compliance with International Financial Reporting Standards.
3.	
The directors have been given the declarations by the chief executive officer and chief financial officer for the year ended 31 July 2024 
required by section 295A of the Corporations Act 2001.
4.	
The consolidated entity disclosure statement required by 295A of the Corporation Act 2001 is true and correct as at 31 July 2024. 
This declaration is made in accordance with a resolution of the directors.
DIRECTORS’ DECLARATION
64
65
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
156th ANNUAL  REPORT  2024  I  Year ended 31 July 2024
INVESTING  TOGETHER  FOR  A  SECURE  FUTURE
GOWING  BROS.  LIMITED

Key audit matters  
Key audit matters are those matters that, in our professional judgement, were of most significance in our 
audit of the financial report of the current period. These matters were addressed in the context of our audit 
of the financial report as a whole, and in forming our opinion thereon, and we do not provide a separate 
opinion on these matters.  
 
Valuation of 
subregional 
and 
neighbourhood 
shopping 
centre 
investment 
properties 
Area of focus  
(refer also to note 18) 
 
The Group has subregional and 
neighbourhood shopping centre investment 
properties as at 31 July 2024 totalling        
$190 million.  
The valuation of the Group’s investment 
properties requires significant judgement and 
the use of subjective assumptions and 
estimates in determining fair value, including 
selecting the appropriate valuation 
methodology, market rental rates, vacancy 
allowances and capitalisation rates.  
Due to the significant value attached to the 
investment properties in Group’s consolidated 
financial statements, level of significant 
judgements and assumptions applied to 
determine the fair value of the Group’s 
investment properties, this is considered to be 
a key audit matter. 
How our audit addressed the key 
audit matter 
 
Our audit procedures included:  
— Assessing the competence, capability, 
experience, independence and 
objectivity of external valuers 
appointed by management. 
— Evaluating the valuation methodology 
applied. 
— Testing the reliability and 
reasonableness of inputs to underlying 
contracts and supporting 
documentation. 
— Testing the appropriateness of 
assumptions and estimates with 
reference to historical rates and 
results, available market data, market 
conditions and other supporting 
documentation. 
We have also assessed the adequacy of the 
Group’s disclosures with relevance to the 
Australian Accounting Standards. 
Valuation of 
unlisted equities 
 
Area of focus  
(refer also to notes 15 and 16) 
 
The Group has investments of $14.4 million in 
a number of unlisted equities at 31 July 2024, 
which have been included in the Group’s 
consolidated statement of financial position. 
 
Management assesses the value of these 
investments at least annually, using various 
valuation techniques, such as recent arm’s 
length transactions, reference to other 
instruments that are similar in nature and other 
market evidence. 
Due to the significant judgement involved in 
assessing the valuation of these assets, this is 
considered a key audit matter. 
How our audit addressed the key 
audit matter 
 
Our audit procedures included:  
— Assessing the valuation methodology 
applied by management. 
— Reviewing the valuation inputs 
including evidence of recent arm’s 
length transactions and agreeing these 
transactions to external sources. 
— Reviewing the market data and other 
financial information. 
We have also assessed the adequacy of the 
Group’s disclosures with relevant to 
Australian Accounting Standards. 
 
 
 
 
Level 29, 66 Goulburn Street, Sydney NSW 2000 
Level 7, 3 Horwood Place, Parramatta NSW 2150 
1/28 National Circuit, Forrest ACT 2603 
+61 2 8263 4000 
+61 2 8263 4000 
+61 2 6126 8500 
nsw.info@williambuck.com
nsw.info@williambuck.com
act.info@williambuck.com
williambuck.com
 
William Buck is an association of firms, each trading under the name of William Buck 
across Australia and New Zealand with affiliated offices worldwide. 
Liability limited by a scheme approved under Professional Standards Legislation. 
Independent auditor’s report to the members of Gowing Bros. 
Limited 
Report on the audit of the financial report 
      Our opinion on the financial report 
In our opinion, the accompanying financial report of Gowing Bros. Limited (the Company) and its 
subsidiaries (the Group) is in accordance with the Corporations Act 2001, including:  
— giving a true and fair view of the Group’s financial position as at 31 July 2024 and of its financial 
performance for the year then ended; and  
— complying with Australian Accounting Standards and the Corporations Regulations 2001.  
What was audited? 
We have audited the financial report of the Group, which comprises:  
— the consolidated statement of financial position as at 31 July 2024,  
— the consolidated statement of profit or loss and other comprehensive income for the year then ended,  
— the consolidated statement of changes in equity for the year then ended, 
— the consolidated statement of cash flows for the year then ended,   
— notes to the financial statements, including material accounting policy information, 
— the consolidated entity disclosure statement, and  
— the directors’ declaration. 
Basis for opinion  
We conducted our audit in accordance with Australian Auditing Standards1. Our responsibilities under those 
standards are further described in the Auditor’s responsibilities for the audit of the financial report section of 
our report. We are independent of the Group in accordance with the auditor independence requirements of 
the Corporations Act 2001 and the ethical requirements of the Accounting Professional & Ethical Standards 
Board’s APES 110 Code of Ethics for Professional Accountants (including Independence Standards) (the 
Code) that are relevant to our audit of the financial report in Australia. We have also fulfilled our other 
ethical responsibilities in accordance with the Code. 
 
We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our 
opinion. 
 
 
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GOWING  BROS.  LIMITED

Report on the Remuneration Report 
      Our opinion on the Remuneration Report 
In our opinion, the Remuneration Report of Gowing Bros. Limited, for the year ended 31 July 2024, 
complies with section 300A of the Corporations Act 2001. 
What was audited? 
We have audited the Remuneration Report included in pages 24 to 26 of the directors’ report for the year 
ended 31 July 2024. 
Responsibilities 
The directors of the Company are responsible for the preparation and presentation of the Remuneration 
Report in accordance with section 300A of the Corporations Act 2001. Our responsibility is to express an 
opinion on the Remuneration Report, based on our audit conducted in accordance with Australian Auditing 
Standards. 
 
 
 
 
 
William Buck 
Accountants & Advisors 
ABN: 16 021 300 521 
 
 
 
L. E. Tutt 
Partner 
Sydney, 28 October 2024 
 
 
 
 
Other information  
The directors are responsible for the other information. The other information comprises the information 
included in the Group’s annual report for the year ended 31 July 2024, but does not include the financial 
report and our auditor’s report thereon. 
  
Our opinion on the financial report does not cover the other information and accordingly we do not express 
any form of assurance conclusion thereon.  
 
In connection with our audit of the financial report, our responsibility is to read the other information and, in 
doing so, consider whether the other information is materially inconsistent with the financial report or our 
knowledge obtained in the audit or otherwise appears to be materially misstated.  
 
If, based on the work we have performed, we conclude that there is a material misstatement of this other 
information, we are required to report that fact. We have nothing to report in this regard. 
Responsibilities of the directors for the financial report 
The directors of the Company are responsible for the preparation of: 
— the financial report (other than the consolidated entity disclosure statement) that gives a true and fair 
view in accordance with Australian Accounting Standards1 and the Corporations Act 2001; and 
— the consolidated entity disclosure statement that is true and correct in accordance with the Corporations 
Act 2001, and 
for such internal control as the directors determine is necessary to enable the preparation of: 
— the financial report (other than the consolidated entity disclosure statement) that gives a true and fair 
view and is free from material misstatement, whether due to fraud or error; and 
— the consolidated entity disclosure statement that is true and correct and is free of misstatement, whether 
due to fraud or error.  
In preparing the financial report, the directors are responsible for assessing the ability of the Group to 
continue as a going concern, disclosing, as applicable, matters related to going concern and using the 
going concern basis of accounting unless the directors either intend to liquidate the Group or to cease 
operations, or 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. 
 
A further description of our responsibilities for the audit of the financial report is located at the Auditing and 
Assurance Standards Board website at: 
 
https://www.auasb.gov.au/admin/file/content102/c3/ar1_2020.pdf 
 
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GOWING  BROS.  LIMITED

There’s more to surfing than surfing.
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Issues to Shareholders Since 19 September 1985
Date
Particulars
Issued From
Issue Price $
31/10/1985
Bonus issue in lieu
Asset Revaluation reserve
30/04/1986
Bonus issue in lieu
Asset Revaluation reserve
31/10/1986
Bonus issue in lieu
Asset Revaluation reserve
16/03/1987
1 for 2 Bonus issue
Asset Revaluation reserve
30/04/1987
Bonus issue in lieu
Asset Revaluation reserve
30/04/1988
Dividend Re-investment
Accumulated profits
2.50
31/10/1988
Dividend Re-investment
Accumulated profits
3.70
30/04/1989
Dividend Re-investment
Accumulated profits
3.75
30/04/1989
Special Scrip dividend
Accumulated profits
16/11/1989
Dividend Re-investment
Accumulated profits
4.35
31/10/1990
1 for 10 Bonus issue
Share Premium – Special Dividend Reserve
31/10/1991
1 for 20 Bonus issue
Share Premium Reserve
30/04/1992
Dividend Re-investment
Accumulated profits
3.75
31/10/1992
Dividend Re-investment
Accumulated profits
3.80
29/10/1993
Dividend Re-investment
Accumulated profits
3.60
29/04/1994
Dividend Re-investment
Accumulated profits
3.50
28/04/1995
Dividend Re-investment
Accumulated profits
2.60
28/04/1995
Bonus in Lieu Share Plan
Share Premium Reserve
03/10/1995
1 for 10 Bonus issue
Share Premium Reserve
31/10/1995
Dividend Re-investment
Accumulated profits
3.00
31/10/1995
Bonus in Lieu Share Plan
Share Premium Reserve
26/04/1996
Dividend Re-investment
Accumulated profits
2.90
26/04/1996
Bonus in Lieu Share Plan
Share Premium Reserve
30/10/1996
Dividend Re-investment
Accumulated profits
3.10
30/10/1996
Bonus in Lieu Share Plan
Share Premium Reserve
25/04/1997
Dividend Re-investment
Accumulated profits
4.50
25/04/1997
Bonus in Lieu Share Plan
Share Premium Reserve
15/05/1997
2 for 1 Share Split
31/10/1997
Dividend Re-investment
Accumulated profits
2.60
31/10/1997
Bonus in Lieu Share Plan
Share Premium Reserve
30/04/1998
Dividend Re-investment
Accumulated profits
2.35
30/04/1998
Bonus in Lieu Share Plan
Share Premium Reserve
03/11/1998
Dividend Re-investment
Accumulated profits
2.10
03/11/1998
Bonus in Lieu Share Plan
28/04/1999
Dividend Re-investment
Accumulated profits
1.90
28/04/1999
Bonus in Lieu Share Plan
18/11/1999
Dividend Re-investment
Accumulated profits
1.95
18/11/1999
Bonus in Lieu Share Plan
28/04/2000
Dividend Re-investment
Accumulated profits
1.95
28/04/2000
Bonus in Lieu Share Plan
27/10/2000
Dividend Re-investment
Accumulated profits
1.80
27/04/2001
Dividend Re-investment
Accumulated profits
2.36
19/10/2001
Dividend Re-investment
Accumulated profits
1.95
18/12/2001
In Specie Distribution
G Retail Ltd shares issued on listing
22/04/2002
Dividend Re-investment
Accumulated profits
1.90
25/10/2002
Dividend Re-investment
Accumulated profits
1.80
18/12/2002
Dividend Re-investment
Accumulated profits
1.95
24/04/2003
Dividend Re-investment
Accumulated profits
1.90
24/10/2003
Dividend Re-investment
Accumulated profits
2.40
24/10/2003
Bonus in Lieu Share Plan
23/04/2004
Dividend Re-investment
Accumulated profits
2.40
23/04/2004
Bonus in Lieu Share Plan
25/10/2004
Dividend Re-investment
Accumulated profits
2.55
22/04/2005
Dividend Re-investment
Accumulated profits
2.70
22/04/2005
Bonus in Lieu Share Plan
17/07/2009
Dividend Re-investment
Accumulated profits
2.87
05/11/2010
Dividend Re-investment
Accumulated profits
2.42
17/12/2010
1 for 8 Rights issue
Share capital
2.20
05/11/2015
1 for 10 Bonus issue
Share capital
13/11/2018
Dividend Re-investment
Accumulated profits
2.77
30/04/2019
Dividend Re-investment
Accumulated profits
2.52
ENRICHING 
PEOPLE’S LIVES 
SINCE 1868
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GOWING  BROS.  LIMITED