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Harvey Norman Holdings Limited

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FY2021 Annual Report · Harvey Norman Holdings Limited
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2021 ANNUAL REPORT  

Key Dates 

Contents 

Company Info 

31 August 2021 
Announcement of Full-Year 
Profit to 30 June 2021 &  
Announcement of Final 2021 
Dividend 

18 October 2021 
Record Date for Determining 
Entitlement to Final 2021  
Dividend 

15 November 2021 
Payment of Final 2021  
Dividend 

24 November 2021 at 11:00am 
Annual General Meeting of 
Shareholders 

25 February 2022 
Announcement of Half-Year 
Profit to 31 December 2021 & 
Announcement of Interim 2022 
Dividend 

1 April 2022 
Record Date for Determining 
Entitlement to Interim Dividend 

3 May 2022 
Payment of Interim 2022 
Dividend  

Registered Office 
A1 Richmond Road,  
Homebush West NSW 2140 
Ph: 02 9201 6111 
Fax: 02 9201 6250 

Share Registry 
Boardroom Pty Limited,  
Level 12, 225 George Street, 
Sydney NSW 2000 
Ph: 02 9290 9600 

Auditors 
Ernst & Young (EY) 

Securities Exchange Listing 
Shares in Harvey Norman  
Holdings Limited (HVN) are 
quoted on the Australian  
Securities Exchange Limited 
(ASX) 

Solicitors 
Brown Wright Stein 

Company Secretary 
Mr. Chris Mentis 

2021 Financial Highlights 

Chairman and CEO’s  Report 

Operating and Financial Review 

Directors’ Report 

Remuneration Report 

Environment, Social &  
Governance (ESG) Report 

Auditor’s Independence  
Declaration 

Independent Auditor’s Report 

Directors’ Declaration 

Statement of Financial Position 

Income Statement 

Statement of Comprehensive 
Income 

Statement of Changes in Equity 

Statement of Cash Flows 

5 

6 

8 

29 

34 

61 

72 

73 

79 

80 

81 

82 

83 

85 

Notes to the Financial Statements 

86 

Shareholder Information 

148 

2 

HOLDINGS LIMITED | ACN 003 237 545  
ANNUAL REPORT JUNE 2021 

 2 

 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

CHAIRMAN AND CEO’S REPORT (CONTINUED) 

HOLDINGS LIMITED | ACN 003 237 545  

2021 RESULTS 

EBITDA 

CHAIRMAN AND CEO’s REPORT 

$1.457 billion 

Increase of $512.46 million from FY20 

Reported PBT 

$1.183 billion 

Increase of $521.24 million from FY20 

Income Tax Expense 

 $336 million 

Increase of $160.42 million from FY20 

SYSTEM SALES REVENUE 

Total System Sales Revenue 

$9.721 billion 

Increase of $1.263 billion from FY20 

ANNUAL REPORT JUNE 2021 
ANNUAL REPORT JUNE 2021 

3 
 3 

 
SUPPORTING WOMEN IN SPORT

Harvey Norman® also proudly supports Katie Kelly, 
who is aiming to become a back-to-back gold 
medallist at the Tokyo Paralympic Games in the 
Para-triathlon PT5 classification for athletes with a 
visual impairment. Katie approaches every challenge 
as an opportunity, and to help provide opportunities 
to other athletes with disabilities she started the 
Sport Access Foundation. Over the last four years 
the foundation has provided grants to 25 individuals 
and sporting clubs, with three of the recipients 
now going on to join Katie as part of the Australian 
Paralympic Team at Tokyo.

For over a decade, Harvey Norman® has built a 
reputation for a commitment to supporting female 
athletes in Australia – ensuring they get the support 
they need and the recognition they deserve. We’ve 
set up programmes and initiatives to further this 
commitment, with our Team Harvey project helping 
Australian sportswomen achieve their professional 
goals, and Team Harvey Junior providing 
sponsorship opportunities to the next generation of 
female champions – helping to remove obstacles for 
participation at grassroots levels.

Supporting women in sport also includes building 
strong relationships with athletes in brand 
ambassador partnerships. This year it’s been 
a privilege to have Ariarne Titmus as a brand 
ambassador. 

Ariarne and her family know a thing or two about 
commitment. While many in the general public may 
only see the moments of sporting triumph while 
tuning in to the Olympics, what they don’t see are 
the years of effort and sacrifice it takes to reach 
those moments. A family uprooting their lives in 
Tasmania to move to Queensland to pursue better 
training opportunities. The early morning sessions 
before a full day of schooling. The pressures of 
having the hopes and dreams of a nation on your 
shoulders while constantly trying to beat your 
personal best.

At the recent Tokyo 2020 Olympics Ariarne has 
shown what a star she is, winning gold medals in 
the 400m and 200m Freestyle events, a silver medal 
in the 800m Freestyle and a bronze in the 4x200m 
Women’s Freestyle Relay. While only Ariarne can do 
what she does in the pool, we’re happy we could be 
part of the team supporting her beyond the lane 
ropes – finding ways to make life outside training 
that little bit easier so she could focus on her 
sporting dreams.

KATIE KELLY
Paralympian 
Tokyo 2020 Paralympic Games

HARVEY NORMAN® 
BRAND AMBASSADOR 
Picture: Chris Chen

4

ANNUAL REPORT JUNE 2021

2021 FINANCIAL HIGHLIGHTS 

HARVEY NORMAN HOLDINGS LIMITED (HNHL) 

EBITDA 

EBITDA 
Excluding AASB 16 net impact and net property revaluations 

$1.457bn 

FROM $944.67m in FY20 

UP        
BY 

 54.2% 

$1.147bn 

FROM $742.47m in FY20 

UP        
BY 

 54.4% 

EBIT 

EBIT 
Excluding AASB 16 net impact and net property revaluations 

$1.233bn 

FROM $721.08m in FY20 

UP        
BY 

 71.0% 

$1.059bn 

FROM $654.86m in FY20 

UP        
BY 

 61.7% 

REPORTED PBT 

PBT  
Excluding net property revaluations 

$1.183bn 

FROM $661.29m in FY20 

UP        
BY 

 78.8% 

$1.042bn 

UP        
BY 

 66.4% 

FROM $626.33m in FY20 

REPORTED PROFIT AFTER TAX & NCI 

PROFIT AFTER TAX & NCI 
Excluding net property revaluations 

$841.41m 

FROM $480.54m in FY20 

UP        
BY 

 75.1% 

$743.12m 

UP        
BY 

 63.0% 

FROM $456.00m in FY20 

NET DEBT TO EQUITY: 7.47% 

NET DEBT OF $295.54m vs NET CASH OF $15.35m in FY20 

UNUSED, AVAILABLE 
FINANCING FACILITIES OF 

$193.96m  

TOTAL SYSTEM SALES REVENUE 

$9.721 billion 

AGGREGATED HEADLINE FRANCHISEE SALES REVENUE*...$6.952bn 
COMPANY-OPERATED SALES REVENUE……...………….……$2.768bn 

*Sales made by franchisees in Australia do not form part of the financial results of the consolidated entity. 

HNHL CONSOLIDATED REVENUES 

$4.439 billion 

SALES OF PRODUCTS TO CUSTOMERS…………….....…...$2.768bn 
REVENUE RECEIVED FROM FRANCHISEES…...…….……...$1.346bn 
REVENUES AND OTHER INCOME ITEMS…...………....…... $0.325bn 

NET ASSETS 

BASIC EARNINGS PER SHARE 

$3.893 billion 

12.0% from $3.477bn at Jun-20 

67.53c 

from 39.19c in FY20 

539 

FRANCHISEES          
IN AUSTRALIA 

192 

FRANCHISED  
COMPLEXES  
IN AUSTRALIA 

REPORTED PBT 

DIVIDENDS PER SHARE 
(FULLY FRANKED) 

35.0c 
$643.91m 
107 

$342.76m (    113.8%) from $301.15m in 1H20 
OFFSHORE COMPANY 
OPERATED STORES 

REPORTED PROFIT AFTER TAX & NCI 

from 24.0c in FY20 

ANNUAL REPORT JUNE 2021 

5 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

CHAIRMAN AND CEO’S REPORT 

Dear Shareholder, 

As with FY2020, the world continues to be impacted severely this year by the ongoing effects of COVID-19.  The 192  
franchised complexes in Australia and the 107 company-operated stores in 7 countries continue to be subjected to various  
Government mandated closures. 

The number one priority has been to keep our customers safe, protect our staff and enable them to do their job in a safe  
manner.  We thank each and every one of you that has supported us during this prolonged unprecedented uncertainty.  It is 
with your support and trust that we continue to build our brands and provide our customers with an unparalleled retail  
experience – whichever way you choose to shop with Harvey Norman®. 

CHAIRMAN AND CEO’s REPORT 

A common theme in the countries in which we operate has been low interest rates, strong housing prices and strong home 
renovations, booming stock markets and record household deposits.  This has translated to unprecedented sales for the  
Harvey Norman® brands. 

Our multiple-channel ecosystem has highlighted the strength of the physical retail and digital touchpoints in which customers 
engage and transact with Harvey Norman®.  We have a competitive advantage with our large format stores, displaying a huge 
range of technology, home and lifestyle products accompanied by the knowledgeable and friendly staff of franchisees in  
Australia and our overseas company-operated stores within an easy drive of customers.  In addition to multiple payment  
options, also on offer is express contactless click and collect available at the store or safe delivery to the home in-person.  
These are the strong foundations of our commitment to being the best retailer by embracing the lifestyle of the customer 
through our multiple sales channels. 

The results achieved this year are testament to the resilience of our model.   

Record Financial Results 

•  Record reported earnings before interest, tax, depreciation & amortisation (EBITDA) of $1.457 billion, up by $512.46  

million or +54.2%.   

•  EBITDA (excluding AASB 16 impact and net property revaluations) of $1.147 billion, up by $404.09 million or +54.4%. 

•  Record reported earnings before interest & tax (EBIT) of $1.233 billion, up by $511.66 million or +71.0%. 

•  EBIT (excluding AASB 16 impact and net property revaluations) of $1.059 billion, up by $404.30 million or +61.7%. 

•  Record profit before tax (PBT) of $1.183 billion, up by $521.24 million or +78.8%, delivering a robust return on net assets 

of 30.4% for FY21 compared to 19.0% for FY20. 

• 

PBT (excluding net property revaluations) of $1.042 billion, up by $415.82 million or +66.4%. 

•  Record net profit after tax and non-controlling interests (NPAT&NCI) of $841.41 million, up by $360.87 million or +75.1%. 

•  NPAT&NCI (excluding net property revaluations) of $743.12 million, up by $287.12 million or +63.0%. 

•  Offshore company-operated retail profit result of $240.79 million, up by $88.72 million or +58.3%, amid government  

imposed lockdowns and restrictions to mobility.   

• 

Solid earnings per share of 67.53 cents, up by +72.3% from 39.19 cents for FY20. 

•  Very strong balance sheet with total assets of $6.67 billion, up by $844.33 million or +14.5% primarily driven by organic 

growth from offshore store expansion and increases in the tangible freehold property portfolio.  

•  Net assets of $3.89 billion, up by $415.69 million, or +12.0%. 

Property 

• 

• 

• 

 6 

30 June 2021: 192 franchised complexes in Australia and 107 company-operated stores overseas. 

Strong freehold property portfolio valued at $3.37 billion as at 30 June 2021, up by $355.90 million or +11.8%, consisting 
of 95 freehold investment properties in Australia and 25 owner-occupied land and buildings in New Zealand, Singapore, 
Slovenia, Ireland and Australia and joint venture assets.   

12 new company-operated stores opened during FY21, all in the first half of the financial year earlier than expected.  New 
stores were opened as follows:  Ireland (2 stores): Galway (Jul-20), Sligo (Nov-20); New Zealand (3 stores): Dunedin Outlet 
(Aug-20), Grey Lynn Commercial Showroom (Oct-20), Glen Innes Outlet (Oct-20); Singapore (3 stores): Seletar Mall (Sep-
20), The Centrepoint (Sep-20), Westgate (Nov-20); Croatia (1 store): Pula (Nov-20); and Malaysia (3 stores): KL East Mall 
(Nov-20), Menara (Dec-20), Quayside Mall (Dec-20).   

ANNUAL REPORT JUNE 2021 

 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

CHAIRMAN AND CEO’S REPORT (CONTINUED) 

Property (continued) 

• 

• 

1 new franchised complex opened in Australia during FY21 located at Hornsby, New South Wales in Oct-20, a full-
format complex boasting a premium fit-out with styling and embellishments derived from the flagship concept. 

3 small-format franchised complexes were closed in Australia during FY21 located at West Wyalong (Sep-20),  
Coburg (Jan-21) and Cleveland (Jun-21).  

•  We recommenced the refit program this financial year with the completion of premium refits of franchised complexes 
located at Cairns, Campbelltown, Aspley, Launceston, Mackay and Maribyrnong.  We expect to complete up to 40 
premium refits over the next 5 years.   

CHAIRMAN AND CEO’s REPORT 

Outlook 

During the 2022 financial year, we intend to open up to 3 franchised complexes in Australia and 3 company-operated 
stores overseas:  1 in Malaysia, 1 in Croatia and 1 in Ireland.  Beyond the upcoming financial year, we intend to open up 
to 2 franchised complexes in Australia during the 2023 financial year and we intend to relocate 1 franchised complex 
from a leased site to a freehold property.  We expect our offshore expansion plans to ramp-up towards the end of  
calendar 2022 and we anticipate opening up to 8 company-operated stores overseas during FY23: 4 in New Zealand, 3 
in Malaysia and 1 in Croatia.   

We are announcing our intention to open 2 leasehold company-operated stores in Budapest, Hungary during calendar 
year 2023.  Hungary borders Slovenia and Croatia, and with the collective population of the 3 countries added together, 
the Harvey Norman® brand can potentially reach approximately 16 million people. 

Rolling lockdowns in most States and Territories of Australia have affected sales in July and August 2021, even though 
Contactless Click & Collect and home delivery are operating for customers from 192 Australian franchised complexes.  
These rolling lockdowns have continued into September 2021.  Over 15 million people, or approximately 58% of the  
Australian population, are currently in lockdown.  However, we expect spending to recover quickly as we saw when  
lockdown restrictions were eased in our overseas markets due to pent-up demand.   

Malaysia closed from 1 June 2021 due to large outbreaks of COVID-19 in the country.  Malaysian stores commenced  
limited opening to customers from 21 August 2021.  On 18 August 2021, New Zealand went into Level 4 lockdown with 
no store click and collect permitted, but contactless home delivery allowed.  All New Zealand stores outside of Auckland 
commenced limited opening to customers from 7 September 2021, with click and collect permitted in Auckland from 22 
September 2021.  Our other 5 countries have been open in July, August and September 2021. 

Refer to the post-year end retail trading update on page 26 of this report for further information on aggregated sales for 
Australian franchisees and overseas company-operated stores from 1 July 2021 to 26 August 2021.  With the exception 
of Malaysia which was significantly affected by the lockdowns during this period, these reflect a continued elevated  
customer demand with solid headline sales growth rates ahead of the comparable period in July and August 2019. 

We thank our staff for their continued loyalty and commitment to our long-term vision and strategy, and we thank our 
franchisees for their exemplary achievements this year and the continued support of their local communities.  We value 
and appreciate the continued support and confidence of our shareholders in the leadership and future direction of our 
business.   

ANNUAL REPORT JUNE 2021 

 7 

 
 
 
                                                    
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

OPERATING AND FINANCIAL REVIEW 

Group Results for 30 June 2021 

The directors report a record result for the year ended 30 June 2021, with a $521.24 million or +78.8% increase in profit before tax 
to $1.183 billion, up from $661.29 million in the 2020 financial year.   

Excluding the effects of the net property revaluation adjustments both years, profit before tax increased by $415.82 million or 
+66.4% to $1.042 billion, up from $626.33 million in the 2020 financial year. 

The PBT return on net assets was 30.4% for the 2021 financial year, compared to a PBT return on net assets of 19.0% for the 2020 
financial year.  

Reported profit after tax and non-controlling interests increased by $360.87 million or +75.1% to $841.41 million in FY21, up from 
$480.54 million in FY20.  Excluding the after-tax effects of net property revaluation adjustments in both years, profit after tax was 
$743.12 million for FY21, a $287.12 million or +63.0% increase from FY20. 

The effective tax rate for the consolidated entity was 28.39% for FY21 compared to an effective tax rate of 26.50% for FY20.  The 
effective tax rate of the consolidated entity is akin to the 30% corporate tax rate in Australia, despite the corporate tax rates of the 
7 overseas countries where our company-operated retail stores operate ranging from 17% to 28%.   

 8 

ANNUAL REPORT JUNE 2021 

 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

OPERATING AND FINANCIAL REVIEW (CONTINUED) 

Segment Analysis 

An Integrated Retail, Franchise, Property and Digital Strategy 

The consolidated entity operates an integrated retail, franchise, property and digital strategy, comprising three main pillars:  
1. Retail  -  2. Franchise  -  3. Property, complemented by a robust and sustained investment in technology, digital transformation and 
IT infrastructure assets.  

1 

2 

3 

Offshore Company— 
Operated Retail Segment 

Franchising  
Operations Segment 

Profit before tax 
$240.79m  
Representing 20% of PBT 
or 23.1% (excluding net property revaluations) 

Profit before tax 
$628.19m  
Representing 53% of PBT 

Property Segment 

Profit before tax 
$291.54m  
Representing 25% of PBT 

Increase of 
$88.72m or +58.3% 

Increase of 
$279.60m or +80.2% 

Increase of 
$118.35m or +68.3% 

Profitability of the franchising  
operations segment increased by 
$279.60 million or +80.2% to 
$628.19 million for FY21,  
compared to $348.59 million for 
FY20. 

This increase was achieved by 
strong growth in franchising  
operations segment revenues to 
$1,237.71 million for FY21, an 
increase of $288.67 million, or 
30.4%, from $949.04 million in 
FY20, primarily due to higher  
franchise fees received from  
franchisees during the year  
underpinned by a 12.8% increase 
in aggregated headline franchisee 
sales revenue to $6.95 billion for 
FY21, compared to $6.16 billion 
for FY20. 

Robust franchising operations 
margin of 9.04% for FY21, 
compared to 5.66% for FY20. 

The retail property segment  
delivered a result of $291.79  
million in FY21 compared to a 
result of $173.19 million in FY20, 
an increase of $118.60 million or 
+68.5%.  

This was primarily achieved by a 
$105.42 million increase in the net 
property revaluation increment to 
$140.37 million for FY21, up from 
a net revaluation increment of 
$34.96 million for FY20. 

Strong freehold property portfolio 
valued at $3.37 billion as at 30 
June 2021, up by $355.90 million 
or +11.8%. 

Leasehold property portfolio  
valued at $1.13 billion as at 30 
June 2021, $620.46 million  
relating to leases of investment  
properties sub-leased to external 
parties and $511.17 million  
relating to leases of owner-
occupied properties and plant 
and equipment assets.   

Offshore company-operated retail 
segment delivered strong retail 
revenue for FY21 of $2.61 billion, 
up by $480.12 million or +22.6% 
from FY20. 

Profit of the offshore company-
operated retail segment increased 
by $88.72 million or +58.3%, to 
$240.79 million in FY21, from 
$152.08 million in FY20, the  
highest ever overseas full-year 
PBT.    

NZ was the largest contributor to 
this growth, increasing by $42.45 
million or +42.8%, to $141.61  
million in FY21.   

The retail result for Ireland and 
Northern Ireland increased by 
$35.01 million or +208%, to 
$51.89 million in FY21.   

The retail result for Singapore and 
Malaysia increased by $8.30  
million, or +30.1%, to $35.92 mil-
lion in FY21. 

The retail result for Slovenia and 
Croatia increased by $2.95 million, 
or +35.0%, to $11.38 million in 
FY21.   

ANNUAL REPORT JUNE 2021 

 9 

 
 
 
 
 
 
 
 
 
 
 
 
The Franchising Operations Segment in Australia 

The Franchised Opera(cid:415)ng Model in Australia 

Harvey Norman Holdings Limited (HNHL) and subsidiaries of HNHL own valuable intellectual 
property rights, including the trade marks Harvey Norman®, Domayne® and Joyce Mayne®, 
so(cid:332)ware and other confiden(cid:415)al informa(cid:415)on to promote and enhance the brands. 

A subsidiary of HNHL (a franchisor) grants separate franchises to independent franchisees to 
use the Harvey Norman®, Domayne® or Joyce Mayne® trade marks in Australia and to conduct 
the retail business of the franchisee at or from a store within a par(cid:415)cular branded complex, 
pursuant to the terms of a franchise agreement.  

Each franchisee owns and controls the franchisee business of that franchisee. Each franchisee 
has control over the day-to-day opera(cid:415)ons of the franchisee business and has the discre(cid:415)on 
and power to make the decisions necessary to drive sales, control floor margins and contain 
opera(cid:415)ng costs to maximise the profitability of the franchisee business. 

Each franchisee pays franchise fees to a franchisor pursuant to a franchise agreement between 
that franchisee and that franchisor.  The franchising opera(cid:415)ons segment in Australia captures 
and records the franchise fees received from franchisees including gross franchise fees, rent 
and outgoings for the use of a branded complex and interest on the financial accommoda(cid:415)on 
facility that is made available to each franchisee. The franchising opera(cid:415)ons segment also  
includes the costs of opera(cid:415)ng the franchised system and monitoring and evalua(cid:415)ng the  
performance and compliance of franchisees with their franchise agreements. 

With an unrivalled national store and click & collect network, 
the Harvey Norman®, Domayne® and Joyce Mayne®  
franchised complexes are an easy drive for 23 million people 
in towns, regions and capitals cities across Australia, with  
further growth planned in the coming years. 

10 

ANNUAL REPORT JUNE 2021 

166 

Franchised 
Complexes 

19 Franchised 

Complexes 

7  Franchised 

Complexes 

539 

Number of independent franchisees  
carrying on their business under 
Harvey Norman®, Domayne® and 
Joyce Mayne® brands. 

192 

Franchised complexes in Australia 
trading under the Harvey Norman®, 
Domayne® and Joyce Mayne®  
brand names. 

  
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

OPERATING AND FINANCIAL REVIEW (CONTINUED) 

Franchising Operations Segment 

Franchisee sales revenue underpins the franchising  
operations segment.  For 1H21, we reported that Australian 
franchisee sales revenue had increased by $805.09 million 
or +27.3% to $3.76 billion, up from $2.95 billion in 1H20.  
This led to a record franchising operations segment result of 
$383.96 million for 1H21 and a record franchising  
operations margin of 10.22% for the first-half of FY21.   

Franchisee sales growth moderated in 2H21, primarily due 
to cycling pandemic-fuelled comparatives in 2H20,  
decreasing by $15.32 million or –0.5% to $3.194 billion, 
from $3.21 billion in 2H20.  The franchising operations  
segment result remained solid at $244.23 million, with a 
strong franchising operations margin of 7.65% - both record 
achievements for a second-half period.  

Aggregated franchisee sales revenue reached record highs 
this year, increasing to $6.95 billion for the 2021 financial 
year, an increase of $789.77 million or +12.8%, from $6.16 
billion in the previous year. 

The higher franchisee sales revenue has driven a $279.60 
million, or +80.2%, increase in the franchising operations 
segment result to a record $628.19 million for FY21,  

compared to $348.59 million for FY20.  This result has  
generated a record full-year franchising operations margin 
of 9.04% for FY21, an increase of 338 basis points, from the 
5.66% franchising operations margin reported in FY20.   

The growth in the franchising operations segment result is 
attributable to the strong growth in franchising operations 
segment revenues to $1.238 billion for FY21, an increase of 
$288.67 million, or +30.4%, from $949.04 million in FY20.  
This was primarily due to higher franchise fees received 
from franchisees by $295.52 million this year.    

Growth in rental income received from franchisees for 
leased franchised complexes was flat due to the rental  
support and assistance granted by the franchisor to those 
franchisees affected by the 11-week COVID-19 mandatory 
store closures in greater Melbourne, Victoria from 6 August 
to 27 October 2020.   

Operating expenses were largely consistent with the  
previous year, despite the large increase in franchising  
operations revenue, only increasing by 1.5% relative to 
FY20.   

FRANCHISING OPERATIONS SEGMENT 

1H 

2H 

FY 

Franchising Operations Segment PBT ($m) 

Franchisee Aggregated Sales Revenue* ($bn) 

Franchising Operations Margin (%) 

FY21 
FY20 
FY19 

  $383.96m    $244.23m    $628.19m 
  $123.86m    $224.73m    $348.59m 
  $158.47m    $89.93m    $248.40m 
  FY21    $3.758bn    $3.19bn    $6.95bn 
  FY20    $2.953bn    $3.21bn    $6.16bn 
  FY19    $2.950bn    $2.71bn    $5.66bn 
9.04% 
  FY21   
  FY20   
5.66% 
  FY19   
4.39% 

10.22%   
4.19%   
5.37%   

7.65% 
7.00% 
3.32% 

*Sales made by franchisees in Australia do not form part of the financial results of the consolidated entity. 

ANNUAL REPORT JUNE 2021 

 11 

 
 
 
 
 
 
 
 
    
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

OPERATING AND FINANCIAL REVIEW (CONTINUED) 

Australian Franchisee Sales Revenue Underpins the Franchising 
Operations Segment  

Sales made by franchisees in Australia do not form part of the financial results of the consolidated entity. Retail sales in Harvey Norman®, Domayne® and Joyce 
Mayne® in Australia are made by independently owned franchisee businesses that are not consolidated with the consolidated entity’s results. Australian  
franchisee aggregated sales revenue is reported to the market as it is a key indicator of the performance of the franchising operations segment. 

from consumers looking to upgrade and expand their range 
of quality appliances at home.  

Within Audio Visual, demand has remained for big screen in 
home experiences as the stay at home and entertain at home 
trend has continued.  The latest 8K and 4K TV ranges from 
premium brands continued to be a primary focus of  
consumers and underpinned the strong growth overall in this 
key category. 

Continuing the home inspired focus of consumers, Furniture 
and Bedding franchisees have performed strongly  
throughout the year with solid sales increases in Sleep  
Surface, lounges and home office categories.  The upgrade 
and expansion of outdoor entertaining areas in Australian 
homes has delivered solid growth in outdoor furniture and 
BBQ’s, and these lifestyle categories are expected to remain 
in demand. 

The home-focused Australian consumer has continued to  
provide an environment for growth for franchisees throughout 
the financial year.   

Aggregated franchisee sales revenue was $6.95 billion for the 
year ended 30 June 2021, an increase of $789.77 million or 
12.8%, from $6.16 billion in the previous year ended 30 June 
2020.  On a comparable basis, franchisee sales were $6.92 
billion, an increase of 12.9%.   

Technology franchisees experienced strong demand for 
Smart Phones, Gaming Laptops and PCs that provide power 
and performance.  With Australian homes continuing to move 
quickly to being digitally connected, driven by remote  
working and learning, categories such as Connected Home,  
Mobile Technology and Super Wi-Fi have surged.  The  
Telecommunications category had another strong year  
underpinned by offers to connect to the Optus network 
throughout Australia.  This is a strategic long term growth 
category for Harvey Norman®, Domayne® and Joyce Mayne® 
franchisees. 

Within the Home Appliance category, the strong uptake of the 
Federal Government’s Homebuilder grants program and the 
ensuing renovations that have followed has led to strong  
demand for kitchen products.  Smart Refrigeration, smart 
kitchen appliances and sensor cooking have all benefited 

 12 

ANNUAL REPORT JUNE 2021 

Hornsby, NSW Franchised Complex 

 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED)

A ‘Customer-Centric’ Strategy 

The consolidated entity has continued to 
invest in technology, digital transformation 
and infrastructure.

This investment has enabled Harvey 
Norman®, Domayne® and Joyce Mayne® 
franchisees to continue to enhance their 
capabilities to deliver the Shop Safe 
experience for their customers, to uphold 
COVID Safe practices and execute their 
Customer-Centric strategies.

With 192 locations geographically-
spread across Australia, customers can 
Shop Locally With Confidence with 

stores and inventory within a short drive. 
Customers can shop in-store or they can 
opt for Contactless Click & Collect to 
have goods delivered to their car, safe 
in the knowledge they are following the 
guidelines in place for their location. 
Near Real-Time Inventory provides 
their customers with accurate, up-to-date 
stock information, confirming their local 
franchisee has the products they are 
looking for. On Demand and Contactless 
Delivery options help provide the 
essential products customers need, faster 
and more cost-effectively — locally.

LiveChat Messaging and Chatbot 
contactless solutions digitally connect 
Harvey Norman® franchisees with 
customers across the country, and assist in 
keeping local communities safe.

Each franchisee is committed to delivering 
Quality, Value & Service to their 
customers.

Highlights Achieved by Harvey Norman®, Domayne® and Joyce Mayne® Australian Franchisees:

with any strict COVID-19 mandated 
restrictions or lockdowns.

prepared when they arrive.

•  Click & Collect services enables 

customers to connect online with 
franchisee in-store experts. Through 
integrated notifications, the customer 
can, at the press of an ‘On My Way’ 
button on their device, advise the 
franchisee that they are on their way to 
collect their order, and an ‘I’m Here’ 
button allowing the franchisee to be fully 

•  Tens of thousands of Contactless Click 

& Collect customers used the integrated 
notifications in Microsoft Teams. On 
average, customers travel to their 
nearest store within approximately 12 
minutes and, if they choose Contactless 
Click & Collect, the average wait time at 
store for the safe delivery to their car is 
approximately 6 minutes.

•  There has been a significant uptake 

of customers taking advantage of the 
various flexible Click & Collect options 
offered by franchisees.

•  1-Hour Click & Collect is now common 

and widespread. Customers can 
research online — using the myriad 
of messaging platforms available to 
them to receive expert product advice 
— before they head to the franchised 
complex after using Click & Collect. With 
over 80% of orders ready within 1-hour 
and a Customer Satisfaction (CSAT) 
score of 84%, this has been one of the 
most attractive options customers have 
adopted this year.

•  Since the commencement of the 
pandemic, approximately 95% of 
customers still go to their nearest, local 
franchised complex for either 1-Hour 
Click & Collect and Express Contactless 
Click & Collect. The complexes have 
dedicated Click & Collect parking 
bays to ensure that customer pick-
up is a frictionless experience. 
Contactless Click & Collect has enabled 
each Harvey Norman® franchisee to 
serve their customers while complying 

Helping you shop safely for your home essentials 

SHOP SAFE

ANNUAL REPORT JUNE 2021

13

OPERATING AND FINANCIAL REVIEW (CONTINUED)

A ‘Customer-Centric’ Strategy (continued)

•  Harvey Norman® customers have 

embraced LiveChat from the beginning 
and now messaging is continuing to 
drive this functionality. LiveChat aims to 
make life easier for customers wherever 
they are, fitting into their schedule, and 
available on all the messaging platforms 
customers prefer including Messenger, 
iMessage, WhatsApp, Apple Business 
Chat and SMS. Chatbots are a milestone 
in building a powerful customer service 
platform. Customers wanting order 
updates and store trading hours are a 
great example of how Chatbots respond 
with known information. This frees up 
LiveChat and Messaging agents to 
focus on more specific customer needs, 
delivering on the expertise for which 
Harvey Norman® is well-known.

•  Quick Reserve allows customers of 

Harvey Norman® franchisees to quickly 
reserve products online to view at their 
local franchised complex.

providing more and more customers of 
each franchisee with same-day delivery 
options that are fast and affordable.

•  The new Harvey Norman® Store 

Finder, with dedicated hours for Click 
& Collect as well as Local Government 
Area information, has recently launched. 
Improved location management during 
COVID allows customers to access 
timely and informative information on 
all franchised locations including trading 
hours and available Contactless and 
Click & Collect services - a highly-utilised 
informative tool during a pandemic. 
Locations now include precise pick-up 
location information at both retail stores 
and warehouses. In an ever-changing 
environment, where local stores for 
essentials have never been more 
important to customers, it’s critical to 
provide franchisee customers making the 
journey to a local store with  
time-sensitive information.

•  With faster delivery expected now more 
than ever, Australia Post on Demand is 

•  Franchisees continue to improve the 
mobile experience for customers, 

enabling communication and 
collaboration between customer 
and franchisee by combining chat, 
messaging and location information.  
The smartphone is the device of choice 
for customers researching and  
shopping online.

•  The rollout of Trak by Harvey Norman® 
is now complete for Harvey Norman® 
franchised complexes throughout 
Australia. This logistics technology 
optimises route planning for franchisee 
deliveries and provides automated 
customer communication, with  
real-time tracking. Customers receive 
an SMS link to a live location showing 
the status of their impending delivery  
and the expected arrival time at its 
destination.

PHONE YOUR
LOCAL STORE

Store Finder

Helping you shop safely for your home essentials 

SHOP SAFE

14

ANNUAL REPORT JUNE 2021

OPERATING AND FINANCIAL REVIEW (CONTINUED) 

OPERATING AND FINANCIAL REVIEW (CONTINUED) 

Offshore Company-Operated Retail Segment  

23.1% 
OF TOTAL  
CONSOLIDATED PBT  
(excluding net property revaluations) 

Record FY21 Offshore  
Retail Revenue 
$2.61bn 
UP BY $480.12m (+22.6%) 

Record FY21 Offshore  
Retail PBT 
$240.79m 
UP BY $88.72m (+58.3%) 

Overseas, the 107 Harvey Norman® branded stores are company-owned and company-operated.   

During the first half of FY21, we reported opening 12 new stores overseas, with a number of them opened earlier than  
expected.  This was a year of a number of ‘firsts’: the first time offshore aggregated retail profit nudged the $A0.25 Billion  
milestone, and the first time sales from our NZ stores surpassed the $A1.0 Billion dollar mark.   

At varying points during the year, our offshore stores were compelled to close under the respective government directives.  
Where permitted by the respective governments, our offshore stores continued to trade through their digital platforms to meet 
customer needs.    

Across the 7 offshore countries in which we operate, our 107 company-operated stores employ over 5,000 full-time and part-
time staff.  We continue to prioritise the safety and livelihoods of our employees to ensure that they were not disadvantaged by 
government-mandated closures and can continue to work in a COVID-safe manner.   

The graph below represents the aggregate value of overseas retail revenue achieved over the past 5 years.  Total overseas retail 
revenue grew by $480.12 million, or 22.6%, to $2.61 billion for FY21, relative to $2.13 billion for FY20, with each country  
delivering sales growth year–on–year. 

The graph below shows the profit trajectory of the overseas retail segment.  Offshore profitability has grown by 138.7% in the last 
5 years and, for FY21, it represents 20.4% of total consolidated profit before tax.  Offshore profitability has increased by $88.72 
million, or 58.3%, to $240.79 million for FY21, up from $152.08 million for FY20.   

ANNUAL REPORT JUNE 2021 

 15 

 
 
  
  
  
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

OPERATING AND FINANCIAL REVIEW (CONTINUED) 

Offshore Company-Operated Retail Segment (continued) 

New Zealand 
43 Harvey Norman® Company-Operated Stores 

In New Zealand, we were pleased to see the strong  
momentum in sales growth reported for 1H21 continue into 
2H21, with NZ sales far surpassing the billion dollar milestone 
in Australian dollars for the first-time since opening the first NZ 
store in 1997.  Robust sales have also enabled the NZ business 
to achieve another significant milestone of reaching a retail 
profit result of well over $100 million for the first time this year.    

The NZ business was subjected to 3 sharp, targeted  
lockdowns affecting 11 stores in Auckland for short periods  
ranging from 3 days to just under 3 weeks in FY21.  This was in 
contrast to the nationwide Alert Level 3 and 4 Restrictions last 
year that saw all stores in NZ closed to the public for a 7-week 
period.  

In local currency, sales grew to NZ$1.23 billion in FY21, up by 
NZ$220.64 million or +21.8%.  When translated to Australian 
dollars, sales increased to $1.15 billion in FY21, up by $187.97 
million or +19.6% from $960.19 million in FY20.  In local  
currency, the retail profit result increased to NZ$152.12  
million, up by NZ$47.54 million or +45.5%.  When translated 
to Australian dollars, the retail result increased to $141.61 
million in FY21, up by $42.45 million or +42.8% from $99.16 
million in FY20.  

New Zealand 
Opened 3 new stores 

•  Dunedin Outlet (Aug-20) 

•  Grey Lynn Commercial Showroom (Oct-20) 

•  Glen Innes Outlet (Oct-20) 

43 

STORES 

Sales were positively impacted by the opening of 2 new  
outlets in Auckland located at Dunedin on 8 August 2020 and 
Glen Innes on 26 October 2020 and the Grey Lynn, Auckland 
commercial showroom on 15 October 2020, along with a full 
year’s trade at the Takanini and Northwood outlets opened 
during the second half of FY20.  The Wairau Park flagship 
store at Auckland continues to perform strongly.  

The pent-up demand from limited travel and entertainment 
options, complemented by a strong NZ property market has 
continued to give consumers the confidence to invest in their 
homes.  All key categories have recorded strong sales growth 
during the year.  The furniture and bedding categories have 
benefited from the ready availability of NZ made product 
ranges.  The electrical and computer categories have  
experienced strong consumer demand for whitegoods,  
cooking appliances and hardware as consumers focus on  
improving their homes & home offices.   

 16 

ANNUAL REPORT JUNE 2021 

 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

OPERATING AND FINANCIAL REVIEW (CONTINUED) 

Offshore Company-Operated Retail Segment (continued) 

Singapore and Malaysia    

This segment is comprised of 14 Harvey Norman® stores in Singapore, 
26 Harvey Norman® stores in Malaysia and the Space Furniture® 
branded lifestyle stores in Singapore and Malaysia.    

The performance of our Singapore and Malaysian stores has  
remained stable during FY21 despite the challenges of the pandemic, 
with the organic growth of this segment remaining a key focus. 

This growth is mainly attributed to the increased contributions 
from new store openings, coupled with the continued strong de-
mand for home appliances and computers for working from home 
arrangements.  Sales in our Ikano, Kuala Lumpur flagship store also 
continued to grow in 2H21, highlighting our strong product range, 
customer-friendly layout and focus on COVID safety measures so 
that customers can shop in confidence, safety and comfort, as they 
manage the evolving COVID situation and changing restrictions.  

3 new stores in Malaysia opened in the first half of FY21: KL East Mall 
on 25 November 2020, Menara on 5 December 2020 and Quayside 
Mall on 19 December 2020.   There were also 3 new store openings in 
Singapore:  Seletar Mall on 15 September 2020, The Centrepoint on 
22 September 2020 and Westgate on 25 November 2020.  One  
Singaporean store, Kinex Mall closed on 27 September 2020.   

The Malaysian National Vaccination Program, in addition to the 
National Recovery Plan announced by the Malaysian Government 
in June 2021, are expected to restore business confidence and 
stimulate further trade as the economy grows in a post-COVID 
world.   We remain committed to our expansion plans in Malaysia 
& anticipate opening 1 new store in FY22 & 3 new stores in FY23. 

26 

STORES 

14 
STORES 

Malaysia   |   Sales Revenue  
26 Harvey Norman® Company-Operated Stores  

In Malaysia, we had disclosed strong first-half sales of S$126.40  
million for 1H21, an increase of 12.6% from sales of S$112.27 million 
in 1H20, leveraging off 3 store openings - KL East Mall (Nov-20), 
Menara and Quayside Mall (both in Dec-20), and a full 6-months trade 
from the 5 new stores opened in the first half of FY20.  1H21 sales 
were impacted by lower foot traffic due to inhibited mobility and 
shortened trading hours throughout many regions, set in force by the 
Recovery Movement Control Order (RMCO) and the Conditional 
Movement Control Order (CMCO), although there were no closures 
and all stores remained open to the public. 

Solid sales in 1H21 placed the Malaysian business in good stead to 
have a strong second half, however, on 13 January 2021, a stricter 
Movement Control Order (MCO) was re-introduced for certain States 
with a spike in COVID cases, and from May 2021 the MCO was  
extended to all of Malaysia.   Pursuant to the MCO, 12 stores in Kuala 
Lumpur and Penang were closed for a 3-day period from 9 to 11 May 
2021.   Surging COVID-19 cases resulted in the re-imposition of the 
Full Movement Control Order (FMCO) on 28 May 2021 leading to the 
full closure of all 26 Malaysian stores from 1 June 2021, with all stores 
reverting to online trade.  Malaysian stores commenced limited  
opening to customers from 21 August 2021.  

Malaysian sales for the 26 Harvey Norman® company-operated stores 
for FY21 was S$242.92 million, an increase of S$34.72 million, or 
+16.7% from S$208.20 million in FY20.  When translated to Australian 
Dollars, the sales increase moderated to $17.41 million, or +7.8%, 
due to a 7.6% devaluation of the Singaporean dollar relative to the 
Australian dollar during the year.   

Singapore  |   Sales Revenue    
14 Harvey Norman® Company-Operated Stores  

For Singapore, trade continued mostly uninterrupted through 
FY21.  The Singaporean Government’s approach in gradually  
re-opening malls and other public areas, combined with decisive 
additional restrictions when required to control the spread of 
COVID-19, has resulted in only one temporary closure of the  
Westgate store from 23 May to 4 June 2021, compared to the 10-
week closure of all Harvey Norman® stores in Singapore in the 
second half of the 2020 financial year.   

Sales for the 2021 financial year grew to S$324.19 million, an in-
crease of S$56.98 million or 21.3%, primarily due to a full 6-months 
trade of the 3 new stores in 2H21 and due to cycling lower com-
paratives in 2H20 due to the prolonged COVID closures last year.   
Sales in Australian Dollars increased by $34.69 million or 12.1%.    

Our flagship store at Millennia Walk has continued to perform 
strongly in FY21, showcasing the impressive range on offer, with its 
expansive generous showroom facilitating social distancing while 
continuing to deliver an unparalleled shopping experience to its 
customers.   

Retail – Singapore and Malaysia: Sales & Segment Result  

Aggregated sales revenue for the Harvey Norman® and Space 
Furniture® brands in Asia totalled S$580.54 million in local  
currency for FY21, representing an increase of S$93.53 million, or 
19.2%, from S$487.01 million in FY20.  On translation to Australian 
dollars, the devaluation of the Singapore dollar relative to the Aus-
tralian dollar during the year, resulted in a reduced increase of 
$51.74 million or 9.8%, from $525.75 million in FY20. 

Profitability has improved in Singapore and Malaysia through  
improved margins and carefully targeted cost reductions, despite 
additional costs incurred in opening 6 new stores during FY21.  
The segment profit result of the Harvey Norman® and Space  
Furniture® brands in Asia was $35.92 million, an increase of $8.30 
million, or 30.1%, from $27.62 million in FY20.  This was inclusive 
of wages support and assistance received of $3.64 million in  
Singapore and $0.11 million received in Malaysia in FY21, from 
their respective governments in response to COVID-19.   

ANNUAL REPORT JUNE 2021 

 17 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

OPERATING AND FINANCIAL REVIEW (CONTINUED) 

Offshore Company-Operated Retail Segment (continued) 

Slovenia 
5 Harvey Norman® Company-Operated Stores  

Croatia  
2 Harvey Norman® Company-Operated Stores  

In Slovenia, the COVID pandemic resulted in the imposition of  
store closures for all 5 stores between October 2020 and  
February 2021.  Stores fully re-opened on 15 February 2021, with 
trading continuing throughout the remainder of 2H21.   

In Croatia, there were no retail lockdowns throughout FY21, 
allowing uninterrupted trade in the flagship store at Zagreb, 
and the new Pula Store, which opened on 26 November 
2020.  

The pleasing sales growth reported in 1H21 has continued 
throughout 2H21.  Our Slovenian stores, including our flagship at 
Ljubljana, have delivered double-digit sales growth overall in 
FY21 and strong growth was achieved across all key product 
categories.  Sales from the 5 company-operated stores in  
Slovenia increased €9.36 million or 12.8% to €82.40 million for 
FY21.  In Australian Dollars, sales increased $11.28 million or 
9.4% to $131.63 million. 

The result for Slovenia was a profit of $11.27 million for FY21, 
representing a $3.01 million increase or 36.4%.  This was  
inclusive of government wages support and assistance received 
in Slovenia of $0.28 million in FY21 in response to COVID-19.   

2 

STORES 

5 

STORES 

We intend to open 2 new stores in Croatia over the next 2 
years—a new store at Rijeka in FY22 and a second store in the 
Croatian capital of Zagreb in FY23.   

Sales for 1H21 were €13.07 million, an increase of €1.51  
million or 13.1% from the previous corresponding period.   

Sales for the 2021 financial year grew to €29.80 million,      
increasing by €9.15 million or +44.3% for the full year.  
Growth in 2H21 was largely due to a full 6-months  
contribution of the new Pula store.  In Australian Dollars, sales 
increased by $13.58 million or 39.9%.    

The retail result in Croatia was a profit of $0.11 million for 
FY21, compared to a profit of $0.17 million in the previous 
financial year. 

Croatia 
Opened a 2nd store at Pula on  
26 November 2020 

 18 

ANNUAL REPORT JUNE 2021 

 
 
 
 
  
 
 
  
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

OPERATING AND FINANCIAL REVIEW (CONTINUED) 

Offshore Company-Operated Retail Segment (continued) 

Ireland    
15 Harvey Norman® Company-Operated Stores  

Northern Ireland 
2 Harvey Norman® Company-Operated Stores  

In Ireland, two (2) new company-operated stores were opened 
during 1H21 at Galway on 22 July 2020 and Sligo on 5  
November 2020, strengthening the brand in the country’s west 
and bringing the total store network to 15. 

During the year, exponential increases in COVID-19 infections 
resulted in the Irish Government imposing Level 5 lockdowns 
on two occasions; the first in 1H21 from 22 October 2020 to 30 
November 2020 and the second in 2H21 from 31 December 
2020 to 16 May 2021.  On both occasions, the furniture and 
bedding categories across all stores were closed whilst the 
electrical and computer categories were permitted to trade  
in-store.  No online restrictions were imposed during the first 
lockdown in 1H21, however, with the second lockdown in 
2H21, the online Click & Collect option for furniture and  
bedding was prohibited, with no online restrictions imposed 
on electrical and computers.   

Sales in local currency increased to €391.89 million in FY21, up 
by €135.13 million or +52.6%, from €256.76 million in FY20.  
When translated to Australian dollars, sales increased to 
$626.02 million in FY21, up $202.96 million or +48.0%, from 
$423.06 million in FY20. 

Our stores, including our flagship at Tallaght, have continued 
to benefit from customers investing in their homes.  To assist in 
stimulating consumer demand, the Irish government reduced 
the VAT rate from 23% to 21% between September 2020 and 
March 2021.  Double digit increases and market share growth 
was experienced across all key homemaker product categories. 

The strong sales result has enabled the Irish business to deliver 
a retail result in Ireland of $49.64 million for FY21, up by $32.06 
million or 182.3% from $17.58 million for FY20.   

Ireland 
Opened 2 new stores 
•  Galway (Jul-20) 
•  Sligo (Nov-20) 

In Northern Ireland, we are pleased with the performance of our 
two company-operated stores despite the dual challenges 
posed by COVID-19 and Brexit.  

Sales have been impacted by COVID-19 lockdowns in both the 
current and prior years.  During FY21, our stores were closed to 
the public from 26 December 2020 to 29 April 2021, with all 
online sales required to be delivered, as ‘Click & Collect’ was 
not allowed.  Last year, our stores were prohibited from all retail 
and online trade between 24 March 2020 and 7 June 2020. 

Sales in local currency increased to £12.14 million for FY21, up 
by £2.84 million or 30.5% from £9.30 million in FY20.  
Translated into Australian dollars, sales revenue increased to 
$21.88 million in FY21, up by $4.43 million or 25.4% from 
$17.45 million in FY20.   

We are pleased to deliver our first full year profit in Northern 
Ireland of $2.25 million for FY21, an improvement of $2.96 
million on the loss of ($0.71) million for FY20.  This was inclusive 
of government wages support and assistance received in 
Northern Ireland of $0.40 million in FY21 in response to  
COVID-19.   

Our flagship at Boucher Road, South Belfast continues to 
perform well as it presents an unrivalled shopping experience 
for furniture and bedding products across Northern Ireland.  

2 

STORES 

15 

STORES 

ANNUAL REPORT JUNE 2021 

 19 

 
 
  
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

OPERATING AND FINANCIAL REVIEW (CONTINUED) 

Review of the Property Segment  
Strategic ‘Large-Format’ Retail Property Portfolio  

Property ownership is a core pillar underpinning our successful integrated retail, franchise, property and digital strategy. 

The Australian Large-Format Retail (LFR) Sector   

The appetite for investment within the Large Format Retail 
(LFR) sector of the property market has significantly  
strengthened on the back of it being an attractive, resilient 
asset class.  This strong investment is being driven by a  
combination of factors including demand for quality income 
streams, the low cost of debt and the uplift in trading perfor-
mance across the home improvements sector.  Additionally, 
investors are recognising the positive yield spread of LFR  
property assets relative to other property investment returns.   

There are 192 Australian franchised complexes geographically 
spread throughout metropolitan cities, large regional towns 
and smaller regional communities to service the Australian 
population without having to travel long distances to shop at 
their nearest Harvey Norman®, Domayne® or Joyce Mayne® 
store.  95 franchised complexes (49.5% of total franchised 
complexes) are owned by the consolidated entity, inclusive of 
warehouses that are either adjacent to, or in close proximity of, 
the retail store, and are leased to external parties, including 
Harvey Norman®, Domayne® and Joyce Mayne® franchisees.    

In addition to our franchised complexes, our dominant, well-
located freehold properties are LFR centres that accommodate 
a complimentary mix of over 450 third-party tenants that are 
diversified across a variety of different categories including 
Hardware, Medical, Chemists, Pets and Auto related products.  
A large proportion of these third-party tenants are ASX-listed 

and are national retailers that support the underlying value of 
our properties.  Generally, our LFR centres have expansive 
footprints, easy and direct access points and open-air carparks 
that enable the efficient execution of COVID-Safe practices.  
These factors have contributed to cementing the consolidated 
entity, with its $2.9 billion Australian freehold investment  
property portfolio, as the largest single owner of LFR real  
estate in the Australian market. 

The full impact of momentum in the Australian economy, 
sparked by targeted fiscal and monetary stimulus measures 
introduced over the past 18 months as part of our COVID-
Response, is still materialising, and the LFR sector appears to 
be a key beneficiary of these initiatives.   

COVID-19 has stimulated a significant population shift moving 
out of capitals to the regions.  This bodes well for household 
goods spending and property values in Regional Australia 
where we have a strong market coverage with approximately 
65% of our franchised complexes located in regional areas.  
The demand of first home buyers, returning expats, ’up-sizers’ 
and ’down-sizers’ opting to upgrade their existing homes or 
relocate has supported a strong base for sustained retail 
growth within the Home and Lifestyle market.  The buoyant 
housing market has contributed to this increased demand.   

Harvey Norman® Ballina, NSW Franchised Complex 

 20 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

OPERATING AND FINANCIAL REVIEW (CONTINUED) 

Review of the Property Segment (continued) 
Strategic ‘Large-Format’ Retail Property Portfolio (continued) 

The COVID-19 HomeBuilder grants program has provided a 
strong boost to demand for housing construction activity.  
Over 121,000 applications were received before the scheme 
closed on 31 March 2021, approximately 80% relating to new 
builds and 20% for major renovations.  Higher house prices, an 
elevated level of housing construction, high demand for Home 
and Lifestyle retailing and the unsatisfied investor appetite for 
well-located LFR sites is expected to continue to underpin 
strong values in our Australian freehold investment property 
portfolio.   

More recently, investor demand has surged, triggering a 
marked increase in capital searching for LFR property  
investments with strong national lease covenants and lease 
tenures.  In April 2021, the Watergardens Homeplace retail 
centre located in Taylors Lakes, Melbourne, Victoria was  
acquired for $97 million.  Watergardens Homeplace is  
anchored by the Harvey Norman® Watergardens franchised 
complex, Bunnings and six other national large-format tenants 
alongside two fast-food restaurants.  The Geraldton  
Homemaker Centre in Western Australia was purchased in 
March 2021 for $28 million.   

Investor competitiveness for scarce LFR sites, and recent  
investment transactions, have created a significant increase in 
LFR values and a material uplift in the fair values of our invest-
ment properties.  The Australian investment property portfolio 
is valued at $2.89 billion as at 30 June 2021, increasing in  
value by $310.59 million during the 2021 financial year -
$171.91 million relating to new property acquisitions,  
renovations and refurbishments (including the premium refit 
program) and $138.69 million relating to higher property fair 
values.   

Overseas Property Portfolio  
Globally, we have 107 company-operated stores across 7 
countries.  25 of the stores located overseas (23.4% of total) 
are owned by the consolidated entity.  The aggregate value of 
the overseas owner-occupied and investment property  
portfolio is $464.68 million, increasing in value by $45.91  
million during the year primarily relating to capital  
appreciation since the end of FY20. 

Total Property Portfolio and the Performance of the Retail 
Property Segment  
Anchoring our consolidated balance sheet is our property  
segment assets totalling $3.37 billion of tangible, freehold 
investment properties and freehold owner-occupied  
properties and joint venture assets.  The freehold property 
segment comprises 50.5% of our total $6.67 billion asset base.   

Retail property segment revenue has grown to $409.20 million 
for FY21, up by $108.67 million from $300.53 million in 
FY20.  This was primarily due to the recognition of $140.37 
million in net property revaluation increments for FY21  
compared to $34.96 million in net increments for FY20, an 
increase of $105.42 million.  Rent and outgoings received from 
freehold properties have moderated during the year due to $6 
million of rent abatements provided to franchisees affected by 
the pro-longed 11-week mandatory Stage 4 lockdown in  
greater Melbourne, Victoria and to other external tenants in 
Australia. 

The retail property result was $291.79 million for FY21, an  
increase of $118.60 million or +68.5% from $173.19 million in 
FY20.     

Harvey Norman® Maroochydore, QLD Franchised Complex 

ANNUAL REPORT JUNE 2021 

 21 

 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

OPERATING AND FINANCIAL REVIEW (CONTINUED) 

Review of the Property Segment (continued) 

The below table shows the composition of freehold property segment assets as at 30 June 2021, the number of owned property 
assets and the increase in fair value recognised in each country.   

COMPOSITION OF FREEHOLD  
PROPERTY SEGMENT ASSETS 

June 2021  

# of Owned 
Retail 
Property 
Assets 

# of Owned 
Other 
Property 
Assets 

Net Increase 
in Fair Value 
(Income  
Statement)  

Net Increase / 
(Decrease)  
in Fair Value 
(Equity) 

(1) Investment Properties (Freehold) and Assets Held for Sale 

- Australia 

- New Zealand 
- Singapore (Property asset held for sale) 

$2,894.22m 

$11.29m 
$12.66m 

Total Investment Properties (Freehold) and Assets Held for Sale  $2,918.17m 

(2) Owner—Occupied Land & Buildings 

- Australia 
- New Zealand 
- Singapore 
- Slovenia 
- Ireland 

Total Owner—Occupied Land & Buildings 

(3) Joint Venture Assets 

$10.37m 
$339.84m 
$7.65m 
$77.41m 
$15.82m 

$451.09m 

$1.32m 

95 

- 
- 

95 

- 
19 
- 
5 
1 

25 

- 

41 

2 
1 

44 

1 
1 
1 
- 
- 

3 

7 

$138.69m 

$1.69m 
- 

- 

- 
($2.67m) 

$140.37m 

($2.67m) 

- 
- 
- 
- 
- 

- 

- 

- 
$57.54m 
- 
- 
$0.31m 

$57.85m 

- 

Total Freehold Property Segment Assets 

$3,370.58m 

120 

54 

$140.37m 

$55.18m 

Net Property Revaluation Adjustments 

For the year ended 30 June 2021, the portfolio has recorded $140.37 million in capital appreciation to fair value, which was the 
net property revaluation increment for investment properties recognised in the income statement.   

At each balance date, the directors make an assessment of the fair value of each freehold investment property.   

This assessment is informed by: 
• 

• 

the information and advice contained in the last independent external valuation report for that property prepared by an 
external, professionally qualified valuer who holds a recognised relevant professional qualification and has specialised  
expertise in the property being valued (Independent Valuer); 
the information and advice contained in the last internal valuation report for that property (which was informed by the  
immediately preceding independent external valuation report for that property); 
the last management review for that property; and  

• 
•  other information and professional or expert advice given or prepared by reliable and competent persons in relation to that 

property. 

Last year, we announced that the entire freehold investment property portfolio in Australia will be independently valued by an 
Independent Valuer at least once every two (2) years on a rotational basis from the second half of the 2020 financial year.  This 
means that as at 30 June 2021 approximately 50% of the freehold investment property portfolio was valued by an Independent 
Valuer.  

For FY21, 67 valuations of freehold investment properties in Australia were performed by an Independent Valuer.  This  
represents a total of 48.9% of the number of freehold investment properties independently externally valued this year and 
44.3% in terms of the fair value of the freehold investment property portfolio in Australia subject to independent external  
valuation. 

Freehold investment properties not independently externally valued as at balance date are subject to an internal valuation or a 
management review, performed by persons qualified by relevant education, training or experience.  Each internal valuation and 
management review is informed by the last independent external valuation and reliable market evidence.  For the 2021  
financial year, 19 freehold investment properties had been affected by the same factors as the properties which had been  
independently externally valued.  As a consequence, internal valuations for these 19 properties were undertaken to determine 
the effect of these factors. 

 22 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

OPERATING AND FINANCIAL REVIEW (CONTINUED) 

Leasehold Property Portfolio   |   AASB 16 Leases  
Right-of-Use Assets: Leasehold Investment Properties (Sub-Leased to External Parties) 

The consolidated entity has a portfolio of property leases primarily for the purposes of being sub-leased to Harvey Norman®, 
Domayne® and Joyce Mayne® franchisees in Australia.  For these properties, the consolidated entity enters into property leasing 
arrangements with external landlords and then subsequently subleases these sites to franchisees pursuant to a licence,  
terminable upon reasonable notice.  Leasehold investment property: right-of-use asset meets the definition of an investment 
property and are measured at fair value.  

As at 30 June 2021, there were 263 leasehold investment properties. 97 leasehold investment properties (37% of total) were 
occupied by Harvey Norman®, Domayne® and Joyce Mayne® franchisees in Australia for retail purposes. The remaining 166 
leasehold investment properties (63% of total) were primarily used by our franchisees for warehousing.    

Right-of-Use Assets: Leasehold Owner-Occupied Properties & Plant and Equipment Assets 

Leasehold properties occupied by the consolidated entity primarily include company-operated stores, warehouses and offices 
that are leased from external landlords.  Unlike the leasehold investment properties: right-of-use assets which are measured at 
fair value, the leasehold owner-occupied properties and plant and equipment assets: right-of-use assets are measured at cost, 
less any accumulated depreciation and impairment losses.   

The table below shows the composition of right-of-use assets and lease liabilities within our leasehold property portfolio as at 
balance date, and the number of leased retail properties and other properties leased by the consolidated entity.   

COMPOSITION OF LEASEHOLD 
PROPERTY SEGMENT ASSETS 

Right -of-Use 
Asset  
June 2021 

Lease 
Liabilities 
June 2021 

# of Leased  
Retail 
Property 
Assets 

# of Leased 
Other 
Property 
Assets 

(1) Leases of Properties Sub-Leased to External Parties 

$620.46m 

$647.12m 

97 

166 

- Australia 

(2) Leases of Owner-Occupied Properties and Plant and  
      Equipment Assets 

- Australia 
- New Zealand 
- Singapore & Malaysia 
- Slovenia & Croatia 
- Ireland & Northern Ireland 

Total Owner—Occupied Properties and Plant  
and Equipment Assets 

$30.13m 
$113.13m 
$244.16m 
$19.23m 
$104.51m 

$46.19m 
$130.55m 
$190.12m 
$21.27m 
$143.41m 

$511.17m 

$531.55m 

- 
26 
40 
2 
16 

84 

7 
29 
14 
6 
11 

67 

Total Leasehold Property Segment Assets 

$1,131.63m 

$1,178.67m 

181 

233 

The table below shows the financial impact of AASB 16 Leases of our leasehold property portfolio on the income statement for the 
year ended 30 June 2021.   

 Financial Impact of AASB 16 Leases: 

Leases of Owner-
Occupied Properties 

Property, plant and equipment:  Right-of-use asset 
    - Depreciation expense 
Investment properties (leasehold):  Right-of-use asset 
    - Fair value re-measurement  

Finance costs:  Interest on lease liabilities (accretion) 

Total AASB 16 Expenses Recognised 

Less: Lease payments made during FY21 (excluding variable 
lease payments (short-term, low-value leases) 

Other adjustments 

AASB 16 Incremental Decrease in PBT for FY21 

$000  

62,908 

- 

17,765 

80,673 

(77,180) 

(126) 

3,367 

Leases of Properties 

Total Leases 

Sub-Leased to        
External Parties 
$000 

- 

74,076 

23,176 

97,252 

$000 

62,908 

74,076 

40,941 

177,925 

(92,890) 

(170,070) 

- 

4,362 

(126) 

7,729 

ANNUAL REPORT JUNE 2021 

 23 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

OPERATING AND FINANCIAL REVIEW (CONTINUED) 

Review of the Financial Position of the Consolidated Entity  

Net Debt to Equity Ratio 

Our strong cash position at the end of FY20 had enabled us to 
reduce our Syndicated Facility – the available external financing 
facilities in Australia - by $200 million, from $810 million to $610 
million.  The Syndicated Facility amount utilised as at 30 June 
2021 was $490 million, up from $195 million utilised at the end 
of the previous year. 

During 2H21, $146.82 million was spent on the purchase and 
refurbishment of freehold investment properties in Australia.  
Additionally, Australian franchisees requested, and were  
provided with increased financial accommodation.  This was to 
assist the franchisees in their strategy of increasing their  
inventory reserves in light of anticipated supply chain  
disruptions ranging from chip shortages, factory delays due to 
COVID-19, port and shipping issues and global demand  
pressures.   

This has resulted in a net debt position of $295.54 million at the 
end of FY21, compared to a net cash position of $15.35 million 
at the end of FY20.   

This equates to a net debt to equity ratio of 7.47% as at 30 June 
2021 compared to a net debt to equity ratio of nil as at 30 June 
2020.   

Solid Cash Flows  

Cash and cash equivalents, net of bank overdraft, as disclosed in 
the Statement of Cash Flows on page 85, decreased by $45.72 
million to $248.73 million as at 30 June 2021, compared to 
$294.45 million in the prior year.  

Cash flows from operating activities decreased by $513.10  
million to $543.87 million for FY21, from $1,056.96 million in 
FY20.  This was primarily attributable to a decrease in net  
receipts from franchisees by $417.89 million, from $1,304.23 

million in FY20 to $886.34 million in FY21.  Despite higher 
gross revenue received from franchisees by $289.92 million, 
net receipts from franchisees were affected by the movement in 
the aggregate amount of financial accommodation provided to 
franchisees in FY21 relative to the movement in FY20.  During 
FY21, the movement in the aggregate amount of financial  
accommodation provided to franchisees increased significantly 
compared to the movement in FY20, aligned with the increased 
inventory reserves held by purchasing franchisees during the 
current year in order to avoid future supply chain disruptions 
and drive higher franchisee sales. 

Receipts from customers increased by $522.90 million due to 
higher sales achieved by the company-operated stores, partly 
attributed to 12 new offshore store openings.  In line with the 
increase in sales and new store openings, payments to  
suppliers and employees increased by $512.49 million mainly 
due to additional payments for the purchase of inventories by 
the company-operated stores in response to the strong sales 
growth.  

Net cash investing outflows increased by $117.15 million  
during FY21 primarily due to an increase in payments for the 
purchase and refurbishments of freehold investment properties 
by  $122.35 million.  In addition, balances in FY20 included the 
proceeds received from the sale of the Byron at Byron Bay  
Resort.  The increase in outflows was offset by $15.08 million 
net proceeds received from the sale of a controlled entity.  

Net cash financing outflows decreased by $475.90 million  
during FY21.  There was a net drawdown of the Syndicated 
Facility by $295 million during the year, compared to a net  
repayment of $520 million during FY20.  The increased  
drawdowns were offset by higher dividend payments during 
FY21 totalling $473.48 million, compared to $322.51 million in 
FY20, an increase of $150.98 million.  Prior year financial  
cashflows included the proceeds raised from the renounceable 
pro-rata Entitlement Offer in October 2019 of $165.68 million.   

 24 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

OPERATING AND FINANCIAL REVIEW (CONTINUED) 

Review of the Financial Position of the Consolidated Entity (continued) 

Strong Balance Sheet 

The consolidated entity’s net asset base grew by 12.0% during the year, or an increase of $415.69 million, to $3.89 billion as at 
30 June 2021, from $3.48 billion as at 30 June 2020. 

Total assets increased by 14.5%, or $844.33 million, to 
$6.67 billion as at 30 June 2021, from $5.83 billion as at 30 
June 2020.  The value of the freehold investment property 
portfolio increased by $312.18 million, or +12.0%, to $2.91 
billion as at 30 June 2021 primarily due to $140.37 million 
net property revaluation increments over the past 12 
months, acquisition of new freehold investment properties 
and the refurbishments of freehold investment property 
assets.   

Property, plant and equipment assets increased by $66.96 
million mainly due to the fit-out of 12 new company-
operated stores in offshore regions, the premium fit-out of a 
new Harvey Norman® franchised complex at Hornsby and 
net property revaluation increments for the owner-occupied 
freehold properties over the past 12 months.   

Total liabilities increased by $428.64 million, or 18.2%, to 
$2.78 billion as at 30 June 2021 from $2.35 billion as at 30 
June 2020.   

Interest-bearing loans and borrowings increased by 
$262.13 million mainly due to an increase in utilisation of 
the Syndicated Facility by $295 million, from $195 million 
utilised as at 30 June 2020 to $490 million utilised as at 30 
June 2021.   

Income tax payable increased by $77.80 million driven by 
higher profit generated by the consolidated entity during 
the current year.   

Receivables from franchisees increased 
by $440.87 million mainly due to higher 
financial accommodation provided to 
franchisees to assist franchisees in their 
strategy of increasing their inventory 
reserves in light of anticipated supply 
chain disruptions ranging from chip 
shortages, factory delays due to COVID-
19, port and shipping issues and global 
demand pressures.   

Inventories of company-operated stores 
increased by $87.11 million mainly due 
to new overseas store openings and 
higher inventory holdings in order to 
satisfy strong sales growth.  

The above increases have been offset 
by a reduction in cash and cash  
equivalents by $48.76 million.   

ANNUAL REPORT JUNE 2021 

 25 

 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

OPERATING AND FINANCIAL REVIEW (CONTINUED) 

Outlook  

During the 2022 financial year, we intend to open up to 3 franchised complexes in Australia and 3 company-operated stores overseas:  
1 in Malaysia, 1 in Croatia and 1 in Ireland.  Beyond the upcoming financial year, we intend to open up to 2 franchised complexes in 
Australia during the 2023 financial year and we intend to relocate 1 franchised complex from a leased site to a freehold property.  We 
expect our offshore expansion plans to ramp-up towards the end of calendar 2022 and we anticipate opening up to 8 company-
operated stores overseas during FY23: 4 in New Zealand, 3 in Malaysia and 1 in Croatia.   

We are announcing our intention to open 2 leasehold company-operated stores in Budapest, Hungary during calendar year 2023.  
Hungary borders Slovenia and Croatia, and with the collective population of the 3 countries added together, the Harvey Norman® 
brand can potentially reach approximately 16 million people. 

RETAIL TRADING UPDATE:  1 July 2021 to 26 August 2021 vs 1 July 2020 to 26 August 2020 and 
                                                                                                       1 July 2021 to 26 August 2021 vs 1 July 2019 to 26 August 2019 

Rolling lockdowns in most States and Territories of Australia have affected sales in July and August 2021, even though  
Contactless Click & Collect and home delivery are operating for customers from 192 Australian franchised complexes.  These rolling 
lockdowns have continued into September 2021.  Over 15 million people, or approximately 58% of the Australian population, are  
currently in lockdown.  However, we expect spending to recover quickly as we saw when lockdown restrictions were eased in our over-
seas markets due to pent-up demand.   

Malaysia closed from 1 June 2021 due to large outbreaks of COVID-19 in the country.  Malaysian stores commenced limited opening to 
customers from 21 August 2021.  On 18 August 2021, New Zealand went into Level 4 lockdown with no store click and collect  
permitted, but contactless home delivery allowed.  All New Zealand stores outside of Auckland commenced limited opening to  
customers from 7 September 2021, with click and collect permitted in Auckland from 22 September 2021.  Our other 5 countries have 
been open in July, August and September 2021. 

Aggregated Sales increase / (decrease) from 1 July 2021 to 26 August 2021 vs 1 July 2020 to 26 August 20201 and 1 July 2021 to 
26 August 2021 vs 1 July 2019 to 26 August 20191 
(% increases have been calculated in Australian Dollars $A) 
1 comparable sales growth has not been adjusted for the temporary closures mandated by each local government as a result of their COVID-19 Response 

COUNTRY 

Australian Franchisees 

New Zealand 

Slovenia & Croatia 

Ireland 

Northern Ireland 

Singapore 

Malaysia 

1 July 2021 to 26 August 2021 vs 
1 July 2020 to 26 August 2020 
Comparable 
% 

Total 
% 

1 July 2021 to 26 August 2021 vs 
1 July 2019 to 26 August 2019 
Comparable 
% 

Total 
% 

 (-19.2) 

 (-12.3) 

 1.4 

 11.1 

 2.3 

 0.4 

 (-49.2) 

(-19.1)  

 (-13.0) 

 (-5.9) 

 4.7 

 2.3 

 (-9.8) 

 (-52.4) 

11.1  

 4.6 

 30.8 

 78.8 

 31.9 

 3.1 

 (-43.9) 

 11.9 

 3.1 

 21.4 

 62.0 

 31.9 

 (-7.0) 

 (-60.3) 

Aggregated Sales increase / (decrease) from 1 July 2021 to 26 August 2021 vs 1 July 2020 to 26 August 20201 
and 1 July 2021 to 26 August 2021 vs 1 July 2019 to 26 August 20191  

COUNTRY 

(% increase  
calculated in local 
currencies) 
Australian Franchisees 

New Zealand 

Slovenia & Croatia 

Ireland 

Northern Ireland 

Singapore 

Malaysia 

$A 

$NZD 

€Euro 

€Euro 

£GBP 

$SGD 

MYR 

1 July 2021 to 26 August 2021 vs 
1 July 2020 to 26 August 2020 
Comparable 
% 

Total 
% 

1 July 2021 to 26 August 2021 vs 
1 July 2019 to 26 August 2019 
Comparable 
% 

Total 
% 

 (-19.2) 

 (-13.9) 

 3.8 

 13.7 

 (-1.1) 

 2.4 

(-19.1)  

 (-14.6) 

(-3.7)  

 7.1 

 (-1.1) 

 (-7.9) 

11.1  

 5.6 

 32.5 

 81.4 

 25.9 

 9.0 

 (-47.5) 

 (-55.0) 

 (-39.1) 

11.9  

 4.1 

 23.1 

 64.3 

 25.9 

 (-1.8) 

 (-57.0) 

(% increases have been calculated in local currencies) 
1 comparable sales growth has not been adjusted for the temporary closures mandated by each local government as a result of their COVID-19 Response 
ANNUAL REPORT JUNE 2021 

 26 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
  
  
  
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

OPERATING AND FINANCIAL REVIEW (CONTINUED) 

Summary of Key Business Risks  

The Board remains optimistic about the consolidated entity’s future trading performance but acknowledges that there are several factors 
that may pose risk to the achievement of the business strategies and future financial performance of the consolidated entity. 

Every business is exposed to risks with the potential to impair its ability to execute its strategy or achieve its financial objectives.  There 
are a number of key risks, both specific to the Harvey Norman® integrated retail, franchise, property and digital system and external risks, 
for example the macroeconomic environment, over which the consolidated entity has no control.  The consolidated entity acknowledges 
the existence of these risks, and in the first instance seeks to identify and understand individual risks, and then – to the extent possible – 
manage and/or minimise risks. 

Changes in trading conditions due to the COVID-19 global pandemic: 

The emergence of COVID-19 at the beginning of 2020 has created widespread panic and disruption to the way in which governments 
lead their countries across the globe, the approach to business operations and trade, and how individuals carry out their day-to-day lives.  
The consolidated entity has adapted to adhere to the mandatory social distancing restrictions applicable in the 8 countries in which it, or 
its franchisees, operate and has temporarily closed to the public when mandated to do so by the relevant government.   

Similar to the last few months of FY20, during FY21 the consolidated entity has been subjected to various Government mandated  
closures.  The consolidated entity expects that the COVID-19 pandemic could continue to impact trading conditions in the year ahead.   

From the onset of the pandemic to date, the COVID-19 Response by various government and health services organisations, through  
regulation and policy, has limited the ability of franchised complexes in Australia and overseas company-operated stores to trade at  
normal capacity — with varying levels of restrictions to trade imposed for varying time periods.  Spontaneous temporary Government-
imposed closures, reduced trading hours, restrictions to consumer mobility and strict social distancing measures may continue to inhibit 
trade in future periods.   This risk is mitigated as the majority of the franchised complexes and company-operated stores are located in 
large-format retail centres, generally characterised by generous retail footprints and spacious floor layouts centred around open-air  
carparks, allowing for the efficient and effective execution of ‘COVID-Safe Plans and Practices’, thereby maximising the ability to trade 
and service the needs of their customers.  The consolidated entity has also continued to invest in technology, digital transformation and 
infrastructure to enable franchisees and company-operated stores to further enhance ‘contactless’ fulfilment measures including 
“Contactless Click & Collect” and “Contactless Delivery”, to continue to serve their customers while complying with any strict COVID-19 
mandated restrictions or lockdowns.   

The uncertainty around the lasting economic, health and social impacts of the COVID-19 pandemic, the risk of further government-
mandated retail closures in the near future, changing consumer behaviour and the ability of the supply-chains to meet demand may  
impact the sales revenue generated by franchisees in Australia and company-operated stores – thereby impacting the profitability and 
cash flow of the consolidated entity.  This risk is mitigated by the consolidated entity’s robust balance sheet, stringent measures to  
preserve cash and enhance liquidity, coupled with the continuous monitoring of any changes in COVID-19 regulation and policy as they 
are announced.  The consolidated entity has a robust balance sheet with a strong asset base totalling $6.67 billion and net assets of 
$3.89 billion as at 30 June 2021.  From the commencement of the pandemic, the consolidated entity has demonstrated its ability to  
swiftly respond to COVID-19 challenges, while prioritising the safety of their staff, their customers and their local communities.  The  
consolidated entity remains confident in its ability to appropriately respond to COVID-19 challenges in the future, as they arise.   

Information Technology (“IT”) security and data security breaches: 

This risk relates to the potential failure in IT security measures resulting in fraud and the loss, destruction or theft of customer, supplier, 
financial or other commercially-sensitive information including intellectual property.  This has the potential to adversely affect operating 
results which could lead to lawsuits, damage the reputation of the Harvey Norman® brand, and/or create other liabilities for the  
consolidated entity.  The consolidated entity has seen an elevated risk of potential IT security and data security breaches since the  
commencement of the pandemic as the remote working environment, sparked by the pandemic, has created perceived opportunities for 
fraudulent activities.   

There are a number of key controls in place, including an ongoing security improvement program, investment in cyber security  
resources; the implementation, maintenance and supervision of operational policies and contracts intended to preserve the  
confidentiality and integrity of IT systems. The Information Technology environment is subject to regular independent audit and review of 
IT security controls, response plans and incident management practices. 

ANNUAL REPORT JUNE 2021 

 27 

 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

OPERATING AND FINANCIAL REVIEW (CONTINUED) 

Summary of Key Business Risks (continued) 

Compliance by franchisees with franchise agreements: 

This risk relates to franchisees acting in breach of the terms and conditions of their respective franchise agreements.  The consequences 
of non-compliance may include damage to the brand, fines or other sanctions from regulators, and/or a reduction in franchise fees  
received from franchisees. 

The franchisor continually monitors and evaluates the financial and operating performance of each franchisee to actively assess  
compliance with executed franchise agreements.  Instances of non-compliance are promptly addressed to protect the Harvey Norman® 
brand and intellectual property of the franchisor. 

Changes to macroeconomic conditions and policy that may result in declining consumer sentiment: 

The consolidated entity has a significant exposure to the economy of the countries in which it operates.  There are a number of general 
economic conditions, including interest and exchange rate movements, overall levels of demand, housing market dynamics, wage 
growth, employment, economic and political instability and government fiscal, trade, monetary and regulatory policies, that can impact 
the level of consumer confidence and discretionary retail spending.  These conditions may affect revenue from sales to customers and 
franchise fees.  The consolidated entity seeks to reduce its exposure to these risks through appropriate business diversification, and also 
by closely monitoring both internal and external sources of information that provide insights into any changes in demand within the 
economies in which it operates. 

Increased competition resulting in a decline of retail margin or a loss of market share for franchisees in Australia and 
company-operated stores in overseas markets: 

The integrated retail, franchise, property and digital system, and diverse category mix assists in maintaining the consolidated entity’s 
competitive position.  Market consolidation and/or acquisition may result in further competition and changes to retail margins and  
market share. Franchisees in Australia and company-operated stores in 7 overseas regions operate across a number of categories in the 
strongly performing Home and Lifestyle market.  Diversity of category and the ability to identify growth opportunities locally and  
overseas, mitigates the risk from existing and potential competitors.  

Emergence of competitors in new channels: 

The Harvey Norman® Omni Channel Strategy provides customers of franchisees with a diverse, consistent and distinctive Harvey Norman® 
customer experience through a range of channels.  The Harvey Norman® Omni Channel Strategy integrates retail, online, mobile and 
social channels.   

The online operations of franchisees in Australia and the company-operated online operations overseas continue to grow.  The digital 
platform provides new opportunities for growth and new ways to embrace and engage with customers.  Data analytics are an important 
element of the Harvey Norman® Omni Channel Strategy, and are utilised to improve customer experience. 

The Harvey Norman® Omni Channel Strategy sets the Harvey Norman® brand apart from other online and digital competitors as the  
digital, physical complex and distribution channels are fully integrated, providing customers of franchisees with a multitude of  
engagement options to meet their needs.  The Harvey Norman® Omni Channel Strategy, supported by the retail property portfolio of the 
consolidated entity, makes the Harvey Norman® brand a strong competitor in the market. 

A decline in the commercial property sector leading to softening property asset values, falling rental returns and a  
reduction of future capital returns on property assets: 

With a property portfolio of over $3 billion, the consolidated entity is exposed to potential reductions in commercial property values.  The 
consolidated entity has a selective and prudent acquisition and development strategy and maintains high-quality complexes and a solid, 
dynamic, complementary tenancy mix in order to maximise the profitability of the property segment.    

Counterparty risks of service providers: 

This risk relates to the inability of service providers to meet their obligations, including compliance obligations.  The consolidated entity 
closely monitors and evaluates the performance of external service providers to mitigate counterparty risk. 

 28 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT  

A core philosophy we have maintained throughout the years is the significance and focus on the longevity of the 
Board of Directors with ‘skin in the game’, the experience and skill-set of our various business leaders and their 
deep understanding and expert-execution of the complex franchised operating model in Australia and the  
company-operated stores across seven overseas countries.    

The continuation of the COVID-19 pandemic during the 2021 financial year has necessitated the strict  
implementation of the COVID-Safe framework and COVID-Safe Plans and Practices throughout the consolidated 
entity.  The successful strategies that we enhanced and delivered this year could have only been achieved with  
formidable leadership with the intimate knowledge of the intricacies of our business, leaders that can be trusted to 
protect our Brands and navigate us through this period of ongoing uncertainty.   

This year we bade farewell to our non-executive director, Mr. Graham Charles Paton (AM), who retired at the end of 
the 2020 Annual General Meeting held on 25 November 2020.  We thank Mr. Paton for his invaluable contribution 
to the consolidated entity over the past 15 years.  Mr. Paton has provided wise counsel to management and  
exercised professional, sound, experienced and independent judgement for the benefit of the consolidated entity.   

The Board welcomes Ms. Luisa Catanzaro who was appointed as non-executive director on 25 November 2020.  Ms 
Catanzaro has more than 30 years of professional experience in senior finance executive roles across a range of 
industries including FMCG and agriculture sectors, and with ASX listed companies.   

Our Board 

Unless otherwise indicated, all directors (collectively termed ‘the Board’), held their position as director 
throughout the entire year and up to the date of this report. 

Gerald Harvey 
Executive Chairman 

Mr. G. Harvey was the co-founder of Harvey Norman Holdings Limited in 1982 
with Mr. I.J. Norman.   

Directors  

Kay Lesley Page 
Executive Director and CEO 

Chris Mentis 
B.Bus., FCA, FGIA, Grad Dip 
App Fin 
Executive Director, CFO &  
Company Secretary 

Mr. G. Harvey has overall executive responsibility for the strategic direction of 
the consolidated entity, and in particular, property investments.     

Ms. Page joined Harvey Norman in 1983 and was appointed a director of Harvey 
Norman Holdings Limited in 1987.  Ms. Page became the Chief Executive Officer 
of the Company in February 1999 and has overall executive responsibility for the 
consolidated entity.   

Ms. Page has been a Director of the Bradman Foundation since December 2017 
and, on 21 October 2020, Ms. Page was appointed as a Member of the Tourism  
Australia Board of Directors. 

Mr. Mentis was appointed a director of Harvey Norman Holdings Limited on 30 
August 2007.  Mr. Mentis joined Harvey Norman as Financial Controller on 15 
December 1997.  On 20 April 2006, he became the Chief Financial Officer and 
Company Secretary.   

Mr. Mentis is a Fellow of the Chartered Accountants Australia & New Zealand 
(CA ANZ) and a Fellow of the Governance Institute of Australia, with extensive 
experience in financial accounting.  Mr. Mentis has overall executive  
responsibility for the accounting and financial matters of the consolidated entity.   

John Evyn Slack-Smith 
Executive Director and COO 

Mr. Slack-Smith was a Harvey Norman® computer franchisee between 1993 and 
1999.  Mr. Slack-Smith was appointed a director of the Company on 5 February 
2001.  Mr. Slack-Smith has overall executive responsibility for the operations of 
the consolidated entity. 

David Matthew Ackery 
Executive Director 

Mr. Slack-Smith is the Chair of the Barker College Foundation Limited and a 
Member of Council at Barker College.    

Mr. Ackery was appointed a director of Harvey Norman Holdings Limited on 20 
December 2005.  Mr. Ackery has overall executive responsibility for the  
relationship between the consolidated entity and Harvey Norman® home  
appliances, home entertainment and technology franchisees and strategic  
partners.   

ANNUAL REPORT JUNE 2021 

 29 

 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT (CONTINUED) 

Michael John Harvey 
B.Com. 
Non-Executive Director 

Mr. M. Harvey joined Harvey Norman in 1987, having completed a Bachelor of  
Commerce degree.  Mr. M. Harvey gained extensive experience as a Harvey Norman® 
franchisee from 1989 to 1994.  Mr. M. Harvey became a director of the Company in 
1993 and was appointed Managing Director in July 1994.  Mr. M. Harvey ceased to be 
an Executive Director and Managing Director on 30 June 1998.  

Christopher Herbert Brown 
OAM, LL.M., FAICD, CTA 
Non-Executive Director 

Mr. Brown holds the degree of Master of Laws from the University of Sydney.  Mr. Brown 
is the senior partner in Brown Wright Stein Lawyers.  Brown Wright Stein Lawyers has 
acted as lawyers for the consolidated entity since 1982.  Mr. Brown was appointed a 
director of the Company in 1987, when it became a listed public company.  Mr. Brown 
is a member of the Audit, Remuneration and Nomination Committees.   

Kenneth William 
Gunderson-Briggs 
B.Bus., FCA, MAICD 
Non-Executive Director 
(Independent) 

Mr. Brown is the Chairman of Windgap Foundation Limited.  In 2013 he was awarded 
the Medal of the Order of Australia (OAM) for service to the community, particularly to 
people with disability.  

Mr. Gunderson-Briggs was appointed a director of Harvey Norman Holdings Limited on 
30 June 2003.  Mr. Gunderson-Briggs is a chartered accountant and a registered  
company auditor.  Mr. Gunderson-Briggs has been involved in public practice since 
1982 and a partner in a chartered accounting firm since 1990.  Mr. Gunderson-Briggs’ 
qualifications include a Bachelor of Business from the University of Technology, Sydney 
and he is a Fellow of the CA ANZ.  Mr. Gunderson-Briggs was appointed Chairman of 
the Remuneration Committee on 16 December 2015 and was appointed Chairman of 
the Audit & Risk Committee and Nomination Committee on 25 November 2020.   

Mr. Gunderson-Briggs is an independent Non-Executive Director of Australian  
Pharmaceutical Industries Limited (API), a company listed on the ASX, from May 2014.  
On 4 December 2020, he was appointed Chair of the API Board, having previously 
been the Chair of the Audit & Risk Committee of API.   

Maurice John Craven 
B.Sc., FAICD 
Non-Executive Director 
(Independent) 

Directors  

Mr. Craven was appointed a director of Harvey Norman Holdings Limited on 27 March 
2019 and became a member of the Nomination Committee of the Company on 24 
June 2021.  Mr. Craven holds a Bachelor of Science degree from the University of  
Melbourne and is a Fellow of the Australian Institute of Company Directors.   

Graham Charles Paton 
AM, B.Ec., FCPA, MAICD 
Non-Executive Director 
(Independent) 
Retired 25 November 
2020 

Luisa Catanzaro 
B.Com., FCA, GAICD 
Non-Executive Director 
(Independent) 
Appointed 25 November 
2020 

Mr. Craven has been actively involved with innovation and growth in technology  
empowered industries for the past 20 years and prior to that was a partner for 25 years 
with Andersen Consulting.  Mr. Craven is Chair of Specialisterne Australia, a Member of 
the Board of Cenitex and a Member of the Board of Social Venture Partners Melbourne. 

Mr. Paton holds a Bachelor of Economics degree from the University of Sydney.  During 
his 23 years as a partner of an international chartered accounting practice, he was  
involved in the provision of professional services to the retail industry.  He retired from 
public practice in July 2001.  Mr. Paton is a Fellow and Life Member of CPA Australia 
and was the National President of that professional accounting body in 1993/1994.  In 
2001, Mr. Paton was awarded membership of the General Division of the Order of  
Australia for his services to the accounting profession and for his services to the deaf 
community through his chairmanship of the Shepherd Centre for Deaf Children for the 
decade to 2001.   

Mr. Paton retired as an independent non-executive director on 25 November 2020.  Mr 
Paton was Chairman of the Audit & Risk Committee, Chairman of the Nomination  
Committee and a member of the Remuneration Committee of the Company.  

Ms. Catanzaro was appointed a Non-Executive Director of Harvey Norman Holdings 
Limited on 25 November 2020, and became a member of the Audit & Risk Committee 
on 25 November 2020 and a member of the Remuneration Committee of the Company 
on 24 June 2021.  

Ms. Catanzaro has a Bachelor of Commerce from the University of NSW, is a Fellow of 
the CA ANZ and is also a Graduate of the Australian Institute of Company Directors.  
Ms. Catanzaro has more than 30 years of professional experience in senior finance  
executive roles across a range of industries including FMCG and agriculture sectors, 
and with ASX listed companies.  Ms. Catanzaro is currently a Non-Executive Director of 
ASX listed company, Ricegrowers Limited, from September 2018, where Ms. Catanzaro 
is Chair of the Finance, Risk and Audit Committee and a member of the Remuneration 
and Nomination Committees. 

 30 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT (CONTINUED) 

 Directors’ Meetings 

DIRECTOR 
Number of Meetings: 

   Attendance 

Full Board 
     10 

Audit & Risk 
       11 

Remuneration 

          8 

Nomination 
       3 

G. Harvey 

K.L. Page 

J.E. Slack-Smith 

D.M. Ackery 

C. Mentis 

M.J. Harvey 

C.H. Brown 

K.W. Gunderson-Briggs 

G.C. Paton 

M.J. Craven 

L. Catanzaro 

100% 

100% 

100% 

100% 

100% 

 100% 

100% 

100% 

100% 

100% 

100% 

10 [10] 

10 [10] 

10 [10] 

 10 [10] 

10 [10] 

10 [10] 

10 [10] 

10 [10] 

  7 [7] 

 10 [10] 

   3 [3] 

n/a 

n/a 

n/a 

n/a 

n/a 

n/a 

11 [11] 

11 [11] 

 4 [4] 

n/a 

 7 [7] 

n/a 

n/a 

n/a 

n/a 

n/a 

n/a 

8 [8] 

8 [8] 

3 [3] 

n/a 

n/a 

n/a 

n/a 

n/a 

n/a 

n/a 

n/a 

3 [3] 

3 [3] 

2 [2] 

n/a 

n/a 

The above table represents the directors’ attendance at meetings of the Board, Audit & Risk Committee, 
Remuneration Committee and Nomination Committee.  The number of meetings for which the director 
was eligible to attend is shown in brackets.  In addition, the Executive Directors held regular meetings for 
the purpose of signing various documentation. 

Directors’ Relevant  
Interests 

   At the date of this report, the relevant direct and indirect interest of each director in the ordinary shares 

and performance rights instruments of the Company and related bodies corporate are: 

DIRECTOR 

G. Harvey 

K.L. Page 

J.E. Slack-Smith 

D.M. Ackery 

C. Mentis 

M.J. Harvey 

C.H. Brown 

K.W. Gunderson-Briggs 

M.J. Craven 

L. Catanzaro 

TOTAL 

Ordinary Shares  Performance Rights 

392,620,640 

19,856,315 

1,143,893 

683,471 

1,161,297 

3,335,180 

205,525,565 

10,059 

30,673 

- 

196,500 

549,000 

327,000 

327,000 

249,000 

- 

- 

- 

- 

- 

624,367,093 

1,648,500 

Company Secretary 

   Mr. C. Mentis is a chartered accountant and became Company Secretary on 20 April 2006.  Mr. Mentis has 
extensive experience in financial accounting and has been with the consolidated entity since 1997.  Mr. 
Mentis is a Fellow of the Governance Institute of Australia. 

Performance Rights 

At the date of this report, there were 1,648,500 performance rights (2020: 1,499,000), being a right to  
acquire ordinary shares in the Company at nil exercise price. 

On 1 December 2017, a total of 400,000 performance rights under Tranche 3 of the 2016 LTI Plan were 
granted to Executive Directors in accordance with the terms and conditions of the LTI Plan. On 1 January 
2021, 173,600 performance rights representing 43.4% of Tranche 3 of the 2016 LTI Plan had lapsed and 
will never be exercisable by the participants.  On 6 January 2021, 191,025 performance rights under 
Tranche 3 of the 2016 LTI Plan were exercised. On 26 March 2021, the remaining 35,375 performance 
rights under Tranche 3 of the 2016 LTI Plan were exercised reducing the unissued ordinary shares under 
Tranche 3 of the 2016 LTI Plan to nil. 

On 4 December 2018, a total of 549,500 performance rights under Tranche FY19 of the 2016 LTI Plan 
were granted to the Executive Directors in accordance with the terms and conditions of the LTI Plan. 

On 2 December 2019, a total of 549,500 performance rights under Tranche FY20 of the 2016 LTI Plan 
were granted to the Executive Directors in accordance with the terms and conditions of the LTI Plan. 

On 4 December 2020, a total of 549,500 performance rights under Tranche FY21 of the 2016 LTI Plan 
were granted to the Executive Directors in accordance with the terms and conditions of the LTI Plan. 

ANNUAL REPORT JUNE 2021 

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CEO and CFO  
Certification 

OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT (CONTINUED) 

The CEO and CFO have provided written statements to the Board in accordance with section 295A of the  
Corporations Act 2001 and have also certified to the Board in relation to the year ended 30 June 2021, that: 
• 
Their view provided on the Company’s financial report is founded on a sound system of risk  
management and internal compliance and control which implements the financial policies adopted by 
the Board; and 
The Company’s risk management and internal compliance and control system is operating effectively 
in all material respects. 

• 

The Board agrees with the views of the ASX on this matter and notes that due to its nature, internal control 
assurance from the CEO and CFO can only be reasonable rather than absolute.  This is due to factors such as 
the need for judgement, the use of testing on a sample basis, the inherent limitations in internal control and 
because much of the evidence available is persuasive rather than conclusive. CEO and CFO control assurance 
is not, and cannot, be designed to detect all weaknesses in control procedures. 
In order to mitigate this risk, internal control questionnaires are required to be answered and completed by the 
key management personnel of all significant business units, including finance managers, in support of the  
written statements of the CEO and CFO. 

Committee    
Membership 

   As at the date of this report, the Company had an Audit & Risk Committee, a Remuneration Committee and a 

Nomination Committee.  Members acting on the committees of the board during the year were: 

NON-EXECUTIVE DIRECTOR 

Audit & Risk 

Remuneration 

Nomination 

C.H. Brown 

√ 

√ 

√ 

K.W. Gunderson-Briggs 

√ (Chairman) 

√ (Chairman) 

√ (Chairman) 

L. Catanzaro 

M.J. Craven 

√  

n/a 

√ 

n/a 

n/a 

√ 

Mr. Gunderson-Briggs was appointed Chairman of the Audit & Risk Committee and the Nomination  
Committee on 25 November 2020. 
Ms. Catanzaro became a member of the Audit & Risk Committee on 25 November 2020 and became a  
member of Remuneration Committee on 24 June 2021. 
Mr. Craven became a member of the Nomination Committee on 24 June 2021. 
Mr. G.C. Paton retired on 25 November 2020.  He was the Chairman of the Audit & Risk Committee, Chairman 
of the Nomination Committee and a member of the Remuneration Committee of the Company up to 25  
November 2020. 

   The board of directors (Board) of Harvey Norman Holdings Limited (the Company) is committed to a high 
standard of corporate governance, and is responsible for establishing, maintaining and monitoring the  
corporate governance framework of the consolidated entity. 
The Board has benchmarked its practices against the ASX CGC published guidelines and the CGC corporate 
governance principles and recommendations (February 2019 edition) (Principles).  The Board guides and 
monitors the business and affairs of the Company on behalf of the shareholders by whom they are elected and 
to whom they are accountable. 
The Corporate Governance Statement outlines the Company's corporate governance practices, including 
compliance with the Principles for the year ended 30 June 2021.  The Corporate Governance Statement has 
been approved by the Board.  The full Corporate Governance Statement and further details about corporate 
governance policies adopted by the Company and the Board and committee charters may be accessed via 
the Company's website www.harveynormanholdings.com.au. 

Corporate  
Governance 

Dividends 

   The directors recommend a fully franked final dividend of 15.0 cents per share to be paid on 15 November 

2021 to shareholders registered on 18 October 2021 (total dividend, fully franked - $186,900,998). 
The following fully franked dividends of the Company have also been paid, declared or recommended since 
the end of the preceding financial year: 

2020 final fully-franked dividend 

2 November 2020 

2021 interim fully-franked dividend 

3 May 2021  

Payment Date 

Amount 

$224,281,198 

$249,201,331 

The total dividend in respect of the year ended 30 June 2021 of 35.0 cents per share (2020: 24.0 cents per 
share) represents 51.83% (2020: 62.24%) of profit after tax and non-controlling interests, as set out on page 
81 of the financial statements. 
Excluding the non-cash net property revaluation increments, the total dividend in respect of the year ended 
30 June 2021 of 35.0 cents per share represents 58.69% (2020: 65.59%) of profit after tax and non-controlling 
interests, as set out on page 81 of the financial statements. 
The Dividend Policy of the Company is to pay such dividends as do not compromise the capability of the 
Company to execute strategic objectives. 

 32 

ANNUAL REPORT JUNE 2021 

 
  
  
  
  
 
 
 
 
 
  
  
 
  
  
  
  
  
  
  
  
  
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT (CONTINUED) 

Indemnification of           
Officers 

   During the financial year, indemnity arrangements were continued for officers of the consolidated entity.  
An indemnity agreement was entered into between the Company and each of the directors of the Compa-
ny named earlier in this report and with each full-time executive officer, director and secretary of all group 
entities.  Under the agreement, the Company has agreed to indemnify those officers against any claim or 
for any expenses or costs which may arise as a result of work performed in their respective capacities. 

Principal Activities 

   The principal activities of the consolidated entity are that of an integrated retail, franchise, property and 

digital system including: 
• 
Franchisor; 
• 
Sale of furniture, bedding, computers, communications and consumer electrical products in New 
Zealand, Singapore, Malaysia, Slovenia, Ireland, Northern Ireland and Croatia; 
Property investment; 
Lessor of premises to Harvey Norman®, Domayne® and Joyce Mayne® franchisees and other third 
parties; 
Media placement; and 
Provision of consumer finance and other commercial loans and advances. 

• 
• 

• 
• 

Significant Changes in   
the State of Affairs 

In the opinion of the directors, there were no significant changes in the state of affairs of the consolidated 
entity that occurred during the year ended 30 June 2021. 

Significant Events  
After Balance Date 

   From 26 June 2021, the New South Wales (NSW) government announced stay-at-home orders for the 
greater Sydney area, with progressive lockdowns after that date for franchised complexes in greater  
Sydney and regional areas of NSW, in response to the Delta Variant of COVID-19 and rising cases of local 
transmission.  Thereafter, and up to the date of this report, decisions have been made by local  
governments to impose rolling lockdowns in most States and Territories of Australia.  These government  
mandates have affected franchisee sales in July and August 2021.   

Apart from the above, there have been no circumstances arising since balance date which have  
significantly affected or may significantly affect: 
• 

the operations; 

• 

• 

the results of those operations; or 

the state of affairs of the entity or consolidated entity in future financial years. 

Rounding of Amounts 

   The amount contained in the financial statements and the Directors’ Report have been rounded to the 
nearest thousand dollars (unless specifically stated to be otherwise) under the option available to the  
Company under Australian Securities and Investments Commission Corporations (Rounding in Financial/
Directors’ Reports) Instrument 2016/191.  The company is an entity to which this legislative instrument  
applies. 

Capital  
Management Policy 

  The consolidated entity’s capital management policy objectives are to: create long-term sustainable value for 
shareholders; maintain optimal returns to shareholders and benefits to other stakeholders; source the lowest 
cost available capital; and prevent the adverse outcomes that can result from short-term decision making. 

The Capital Management Policy stipulates a net debt to equity target for the consolidated entity of less than 
50%.  In this report, the calculation of the net debt to equity ratio excludes the right-of-use assets and lease 
liabilities recognised under AASB 16 in order to be comparable with ratios calculated in previous periods. 

As at 30 June 2021, the consolidated entity had unused, available financing facilities of $193.96 million out of 
total approved financing facilities of $749.52 million.  The net debt to equity ratio as at 30 June 2021 was 
7.47%, compared to a net debt to equity ratio of NIL as at 30 June 2020. 

The capital structure of the consolidated entity consists of: debt, which includes interest-bearing loans and 
borrowings as disclosed in Note 17. Interest-Bearing Loans and Borrowings of this report; cash and cash 
equivalents; and, equity attributable to equity holders of the parent, comprising ordinary shares, retained 
profits and reserves as disclosed in Notes 22, 23 and 25 respectively. 

The consolidated entity’s borrowings consist primarily of bank debt provided by a syndicate of ten banks 
(including 3 of the “Big 4” Australian Banks).  Concentration risk is minimised by staggering facility renewals 
and utilising a range of maturities of up to 2 years. 

ANNUAL REPORT JUNE 2021 

 33 

 
  
  
  
  
  
  
  
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT — REMUNERATION REPORT 

Letter from the Chair of the Remuneration Committee 

Dear Shareholders 

The consolidated entity delivered a further record financial result for the 2021 year increasing reported profit before tax (PBT) by 78.8% to 
$1.183 billion and reported net profit after tax and non-controlling interests (NPAT) by 75.1% to $841.41 million.     

It also delivered a strong increase of 12.0% in the net asset base for shareholders to $3.89 billion as at 30 June 2021.  The PBT return on 
net assets was 30% for the 2021 financial year compared to 19% for 2020.  

CHAIRMAN AND CEO’s REPORT 
The Design of Executive Director Remuneration for a Year of Great Uncertainty  
At the outset of the 2021 year there was great uncertainty as to the expectation of outcomes.  With this in mind the Remuneration  
Committee applied the following settings to the remuneration framework for the Executive Directors: 
•  Consensus forecasts of market analysts were used to establish the entry point, the full achievement and the over-achievement levels for 

the Short-Term Incentive (STI) Plan. 
The maximum outcomes for the STI Plan were capped and did not provide awards on a proportionate basis to the record results. 
The performance conditions for the STI Plan were not exclusively based on financial outcomes, with non-financial performance  
conditions and a discretion to apply malus penalty provisions as necessary in the assessment of achievement. 
The outcomes for the Long-Term Incentive (LTI) Plan were subject to achievement over a 3-year period, and not specifically weighted 
in respect of the record outcome year. 
The maximum outcomes for the LTI Plan were capped and did not provide awards on a proportionate basis to the record results. 

• 
• 

• 

• 

Evaluation of Performance of Executive Directors to Consider Any Windfall Gain Effect 
An appraisal of the performance of each Executive Director and the Executive Director team was undertaken following the end of the 2021 
year as part of the annual Participant Performance Review by the Remuneration Committee.  In this year, the appraisal focused on ensuring 
that executive remuneration in respect of the record financial result for 2021 was fair and reasonable, was in line with performance, and did 
not result in unintended windfall gains in remuneration returns for the Executive Directors.  

The appraisal considered matters in respect of performance during the COVID-19 period, including: 
• 

• 

• 
• 

The evaluation of the performance of Executive Directors linked with the design of the remuneration framework has led the Remuneration 
Committee to the conclusion that the Executive Directors did not receive any windfall gains in their respective remuneration  
returns.  The Remuneration Committee views the outcome of the 2021 STI Plan and the LTI Plan as appropriate recognition of the  
performance of the Executive Directors in dealing with the multi-faceted challenges imposed during the year, demonstrating resilience in 
management of the integrated retail, franchise, property and digital business through much uncertainty.  

In line with a similar resolution made last year, the Remuneration Committee resolved that in making its decisions and recommendations in 
respect of remuneration outcomes for the Executive Directors for 2021, it would exclude the effect of COVID-19 support and assistance 
received by the consolidated entity in each of the countries in which it operates, from remuneration outcomes.   

Subsequent to the year-end, in August 2021, all of the wages support and assistance received by controlled entities in Australia of $6.02 
million (FY21: $3.63 million and FY20: $2.39 million) was repaid to the Federal Government via the Australian Taxation Office. 

Benchmarking for Reasonableness  
The Company commissioned an independent remuneration expert review of the level and reasonableness of remuneration of the  
Executive Directors of the Company during 2021, including analyses and comparison of alternate peer groups, such as those used by the 
Company and proxy advisors in their prior assessments of executive remuneration, as well as remuneration structure and the components 
including the level of “at risk” remuneration.   

The critical findings of the independent remuneration expert review were as follows: 

• 
• 
• 
• 
• 

 34 

The overall remuneration opportunity remains within a reasonable range given executive tenure and position responsibilities. 
The significant shareholdings of the respective Executive Directors align with the long-term interests of shareholders. 
The remuneration mix is reasonable. 
The STI framework is reasonable. 
There is an opportunity to increase the long-term incentives, particularly for the CEO and the Executive Chairman. 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT — REMUNERATION REPORT (CONTINUED) 

Letter from the Chair of the Remuneration Committee (continued) 
Benchmarking for Reasonableness (continued) 

In respect to the benchmark peer group used by the Company, the independent remuneration expert findings were as follows: 

• 

The benchmark peer group of the Company validly estimates remuneration applicable to executive positions of the Company by 
including peer companies that have important operational characteristics necessary to capture expertise required for position 
matching and excludes companies with operations that are not comparable. 

•  As the statistical analysis indicated that executive pay varied with the size of the operation for which the executive was  

accountable, and as the Company is larger than most companies in its industry, paying the median level would not attract or retain 
executives best suited to running larger businesses.   
The Company should continue to position remuneration around the level that reflects the financial accountability and operational 
scope of the Company relative to the benchmark peer group, which was around the 75th to 90th percentile of the benchmark peer 
group.  

CHAIRMAN AND CEO’s REPORT 

• 

The conclusions reached by the Remuneration Committee, informed by the independent expert review, in respect of the remuneration of 
Executive Directors for 2021 were that: 
• 
• 
• 

The level of fixed remuneration was reasonable. 
The level of target and maximum remuneration from the short term incentive (STI) was reasonable. 
The level of target and maximum remuneration from the long term incentive (LTI) was underdone and could have included further long 
term or extended term incentives.  

Improving the Framework for Remuneration in 2021 
The following improvements were made to the remuneration framework for Executive Directors informed by the independent  
remuneration expert report: 

• 

The performance conditions for the 100% short term incentive pool were changed from being 50% as to financial conditions and 
50% as to non-financial conditions, to be 80% as to financial conditions and 20% as to non-financial conditions. 

•  A malus or business modifier reduction of up to 30% of the 100% achievement pool for non-achievement of further non-financial 

conditions. 

In combination, this increases the overall difficulty of achieving maximum STI outcomes with up to 30% contingent on achieving both  
financial performance and business modifier (non-financial) outcomes as opposed to only achieving non-financial performance in prior 
years.   

In line with settings adjusted in prior years: 

• 

• 

• 

• 

Profit after tax adjusted for the after-tax effect of property increments and decrements (APAT), continues to be the measure used 
for the achievement of the financial conditions for the short term incentive.  
The 100% STI pool was increased to $3.25 million from $3.0 million in line with the increase in net assets of the Company over the 
previous financial period, with the 100% STI pool able to be increased if the financial performance conditions for the STI are  
over-achieved to the maximum extent of the over-achievement pool of $4.0 million from $3.6 million.  
The level of LTI achievement for the determination of vesting continues to be based on a straight-line basis as opposed to a  
gradation basis to remove the risk of calculation bias.  
The determination of return on net assets (RONA) for the on-foot LTI tranches exclude the effects of the financial impact of the 
adoption of the lease accounting standard AASB 16, to allow calculation consistency year-on-year. 

Continuing the Framework in 2021 
The framework for the Executive Director remuneration structure in the 2021 financial year remained similar to that which was in place for 
the 2020 financial year in respect of the following: 
•  Benchmarked fixed remuneration, with no increase in the level of fixed remuneration.  Fixed remuneration of the executives has not 

• 
• 

increased since it was reset in FY2014 following the Global Financial Crisis (GFC);  
Evaluation of satisfactory performance for each Executive Director required for entry into the STI;  
Entry into the 2021 STI subject to the Executive Directors having managed risk in accordance with the risk management framework and 
the risk appetite of the Company; 
“At Risk” STI subject to a balanced scorecard of measures relevant to the given financial year; 
Entry at the base level of financial achievement for the STI required before the plan becomes activated;   

• 
• 
•  At risk LTI in the form of performance rights as issued under the terms of the 2016 LTI Plan;   
• 

The use of RONA as the measure of financial performance for LTI capturing the effect of all impairments and write-downs, apart from 
property revaluation increments and decrements.  

Things to Note for the 2021 STI Plan 
The Board adopted a STI Plan for Executive Directors relevant to the desired outcomes of the 2021 financial year.  The STI Plan is subject to 
both financial conditions, calculated exclusively using profit after tax adjusted for the after-tax effect of property increments and  
decrements (APAT) as to 80% weighting, and non-financial conditions as to 20% weighting, and malus or penalty reductions of up to 30%.  
The minimum financial performance conditions (i.e. entry-level achievement) must be achieved prior to the activation of the non-financial  
performance conditions.  With respect to the 2021 STI Plan, the minimum financial performance conditions (entry-level to the 2021 STI 
Plan) was set at APAT of $400 million (FY2020 $320 million, up 25%), the 100% achievement level at APAT of $502 million (FY2020 $378 
million, up 33%), with a maximum over-achievement level at APAT of $553 million (FY2020 $424 million, up 30%).   

ANNUAL REPORT JUNE 2021 

 35 

 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT — REMUNERATION REPORT (CONTINUED) 

Letter from the Chair of the Remuneration Committee (continued) 
Things to Note for the 2021 STI Plan (continued) 

The levels were set by the Remuneration Committee with reference to analyst consensus forecasts compiled by Bloomberg from each of 
Credit Suisse, Goldman Sachs, Macquarie, Morningstar, JP Morgan, Morgan Stanley, UBS, Jeffries, CLSA and Evans and Partners, updated 
at the beginning of November 2020.  Achievement between the 50% and 100% targets and the 100% to the over-achievement targets re-
mained set on a straight-line basis. 

Equivalent to previous STI Plans, each participating Executive Director is subject to the non-financial performance condition that the  
Executive Directors of the Company managed risk in accordance with the risk management framework and risk appetite of the Company.  
The Company recognises the critical connection between conduct and reward.  The assessment of conduct is informed by the fundamental 
principles of: 
CHAIRMAN AND CEO’s REPORT 
•  obeying the law 
• 
acting fairly 
• 
not to mislead or deceive 
•  provide goods and services that are fit for purpose 
•  delivery of goods and services with reasonable care and skill 

Remuneration Outcomes 
The achievements of the 2021 financial year are reflected in the remuneration outcomes: 
1)  Executive Directors achieved 112.86 out of 120 points (94.05%) of their 2021 STI targets for performance against a balanced scorecard 

of measures, as compared to 116.06 out of 120 points (96.72%) for the 2020 financial year. 
• 

In respect of the financial performance conditions, APAT of $738.44 million (FY2020 $426.78 million), which excluded COVID-19 
assistance and support, exceeded the over-achievement maximum of $553 million. 
• 
The non-financial performance conditions were achieved as to 87.5% compared to 92.12% in 2020.  
• 
The malus reduction was 4.64%, i.e. 15.4% of the maximum reduction of 30 points. 
•  Aggregated STI expense for 2021 was $3,767,952 compared to $3,481,651 for 2020. 
• 

The total 2021 STI award was $286,301, or 8.2%, higher than for 2020.   

2)  RONA of 30.09%  for the year (FY2020 18.91%), which excluded COVID-19 assistance and support, resulted in the following: 

• 
• 
• 

Tranche FY19 of the 2016 LTI Plan, granted on 4 December 2018 being assessed for vesting at 100%; 
Tranche FY20 of the 2016 LTI Plan, granted on 2 December 2019 was assessed for probable vesting at 100%; and  
Tranche FY21 of the 2016 LTI Plan, granted on 4 December 2020 was assessed for probable vesting at 100%.  

3)  The total “at risk” compensation expense for the 2021 financial year was $1,261,775 or 27.8% higher than the “at risk” expense in the 
2020 financial year primarily due to the higher level of payment under the STI awards and the higher probability of assessed vesting 
under the LTI Plan.  

4)  The total “take-home” pay for Key Management Personnel (KMP) Directors was $1,092,343 or 10.7% higher than the 2020 financial 

year.  The total compensation for KMP Directors was $1,584,925 or 13.9% higher than the previous year.   

5)  Tranche 3 of the 2016 LTI Plan, granted on 1 December 2017 and subject to performance over the 2018, 2019 and 2020 financial 

years, vested as to 56.6% with effect from 1 January 2021.  All vested performance rights have been exercised.  

6)  All of the Executive Directors continued to be employed throughout the year. 
7)  Each of the Executive Directors have a significant shareholding in the Company, each more than their respective total fixed  

remuneration (TFR), which provides alignment of the executive management with shareholders. 

Correlation of Remuneration Outcomes with Performance Over 5 Years 
Correlation is a calculation of the degree of relationship between two items with 100% being strongest and 0% being weakest.  The level of 
statistically significant correlation remains strong, between both the total remuneration expense and the “at risk” remuneration of the  
Directors, with all of the performance indicators such as profit before tax, return on net assets, net profit after tax and non-controlling  
interests, earnings per share and average share price over a five year period from 2017 to 2021.  The correlation factors range between 
85% and 95% over the last five financial years from 2017 to 2021.  Correlation is detailed at Item 10 of the Remuneration Report.   

The Board continues to be confident that the remuneration policies support the financial and strategic goals of the consolidated entity.  
The directors and other members of the key management personnel team continue to be committed to protecting and growing a  
sustainable business and creating long-term sustainable value for all stakeholders of the consolidated entity. 

On behalf of the Board, I invite you to review the full report and thank you for your continued interest.  

Yours sincerely  

KEN GUNDERSON-BRIGGS 
Remuneration Committee Chairman 

 36 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT — REMUNERATION REPORT (AUDITED) 

Contents of the 2021 Remuneration Report 

This remuneration report for the year ended 30 June 2021 outlines the remuneration arrangements of the consolidated entity in  
accordance with the requirements of the Corporations Act 2001 (Cth), as amended,  (the “Act”) and its regulations.  This information has 
been audited as required by section 308(3C) of the Act. 

Introduction 

CHAIRMAN AND CEO’s REPORT 

The remuneration report is presented under the following sections: 
1) 
2)  Remuneration principles and strategy 
3)  Remuneration governance 
4)  Remuneration mix - target 
5)  Details of the short-term incentive plan 
6)  Details of the long-term incentive plans 
7)  Performance and executive remuneration outcomes in FY21 
8)  Executive contractual arrangements 
9)  Non-Executive Director remuneration arrangements 
10)  Relationship between remuneration and the performance of the Company  
11)  Compensation of key management personnel  
12)  Additional disclosures relating to options, performance rights and shares 
13)  ‘Take-Home Pay’ for KMP Directors of the Company 
14)  Other matters for disclosure  
15)  Loans to key management personnel and their related parties 
16)  Other transactions and balances with key management personnel and their related parties 

1. 

Introduction 

The remuneration report details the remuneration arrangements for key management personnel (“KMP”) who are defined as those  
persons having authority and responsibility for planning, directing and controlling the major activities of the consolidated entity, directly 
or indirectly, including any director (whether executive or otherwise) of the consolidated entity. 

Details of KMP of the Company and consolidated entity during the 2021 financial year are set out below.  Unless otherwise indicated, the 
individuals were KMP for the entire financial year.  For the purposes of this report, the term "executive" includes the Chief Executive  
Officer (“CEO”), Executive Directors and Senior Executives of the consolidated entity.   

Key  Management Personnel (KMP) 

Position 

Term as KMP 

Executive Directors 

Gerald Harvey 

Kay Lesley Page 

  Executive Chairman 

  Executive Director & Chief Executive Officer 

John Evyn Slack-Smith 

  Executive Director & Chief Operating Officer 

David Matthew Ackery 

  Executive Director  

Chris Mentis 

  Executive Director, Chief Financial Officer & Company Secretary 

Non-Executive Directors 

Christopher Herbert Brown OAM 

  Non-Executive Director 

Michael John Harvey 

  Non-Executive Director 

Kenneth William Gunderson-Briggs 

  Non-Executive Director (independent) 

Maurice John Craven 

  Non-Executive Director (independent) 

Full financial year 

Full financial year 

Full financial year 

Full financial year 

Full financial year 

Full financial year 

Full financial year 

Full financial year 

Full financial year 

Graham Charles Paton AM 

  Non-Executive Director (independent) 

Retired 25 November 2020 

Luisa Catanzaro 

Senior Executives 

Martin Anderson 

  Non-Executive Director (independent) 

  Appointed 25 November  2020 

  General Manager—Advertising 

Retired 30 June 2021 

Thomas James Scott 

  General Manager—Property 

Gordon Ian Dingwall 

  Chief Information Officer 

Lachlan Roach 

Glen Gregory 

  General Manager—Home Appliances 

  General Manager—Technology & Entertainment 

Emmanuel Hohlastos 

  General Manager—Audio Visual 

ANNUAL REPORT JUNE 2021 

Full financial year 

Full financial year 

Full financial year 

Full financial year 

Full financial year 

 37 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT — REMUNERATION REPORT (AUDITED) (CONTINUED) 

2. Remuneration Principles and Strategy 

The executive remuneration strategy of the consolidated entity in 2021 is designed to attract, motivate and retain high performing  
individuals and align the interests of executives with shareholders.  The relevant factors in determining the suitability of a board member, 
including the Executive Directors, are integrity, business savvy, an owner-oriented attitude and a deep genuine interest in the business of 
the consolidated entity.   

In applying these principles to the consolidated entity: 
a) 
CHAIRMAN AND CEO’s REPORT 
b) 

Business savvy requires a deep understanding of one or more of the sectors of retail, property, franchising and digital. 
Integrity requires a level of fundamental honesty, candour and frankness in dealing with colleagues, regulators and other third 
parties.  Integrity necessarily requires a director to bring an open mind and independent judgment to the discussion of any matter 
of concern to the Board. 
An owner orientation or perspective of an owner requires the individual to either have: 
i. 

"skin in the game" by holding, controlling or benefitting from a significant parcel of shares where the financial interests of the 
director are  aligned with the long term beneficial interest of shareholders; or 
a perspective of advising owners of businesses and understanding that wealth generation is derived from the building of  
business interests that create long-term sustainable value. 

ii. 

Directors with an owner orientation retain an open mind to consider diverse views but are not strictly beholden to the whims of 
fashionable thinking and are able to form their own views as to what constitutes best practice in corporate governance. 
Interest in and time to do the job means: 
i. 
ii. 

the person has an executive role, meaning that the person's career is based on job performance at the company; or  
 the individual has a limited number of outside interests (i.e., the person is not a professional non-executive director),  

c) 

d) 

e) 

             In both cases, the individual has an independence of mind and outlook. 

Applying these criteria to the current Board, the Board is satisfied that each director, including the Executive Directors, bring to the Board 
the necessary skills and attributes specified. 

The following table illustrates how the remuneration strategy of the consolidated entity in 2021 aligns with the strategic direction and links 
remuneration outcomes to performance.   

Objective of the consolidated entity in 2021 

To be recognised as a leader in the sectors in which the consolidated entity operates 
and build long-term sustainable value for shareholders  

Remuneration strategy 
linkages to objectives of the 
consolidated entity in 2021  

Align the interests of  
executives with  
shareholders  

The remuneration framework  
incorporates “at risk” components, 
through STI and LTI plans  

Short-term performance is assessed against a 
suite of financial and non-financial measures  
relevant to the success of the consolidated entity 
in 2021 and generating returns for shareholders 

Long-term  
performance is  
assessed against  
financial performance 
conditions calculated 
exclusively in respect 
of RONA  

Attract, motivate and retain high 
performing individuals 

Longer-term remuneration  
encourages retention and multi-
year performance focus  

The remuneration offering is competitive for 
companies of a similar sector, size and  
complexity  

 38 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT — REMUNERATION REPORT (AUDITED) (CONTINUED) 

2. Remuneration Principles and Strategy (continued) 

Component 

  Vehicle 

Purpose 

Link to Performance 

Fixed remuneration 

CHAIRMAN AND CEO’s REPORT 

Comprises base salary, 
superannuation  
contributions and other 
benefits  

To provide  
competitive fixed  
remuneration set 
with reference to 
role, market and 
experience  

Short-term incentive (STI) 

Paid as cash as a  
performance cash  
incentive (PCI), subject to 
minimum shareholding of 
individual Executive  
Directors 

Rewards executives 
for their  
contribution to 
achievement of  
consolidated entity  
outcomes 

Consolidated entity and individual performance are considered 
during the annual remuneration review  

a. 

b. 

c. 

d. 

e. 

f. 

There is no STI award for an Executive Director unless 
the Executive Director satisfies the Participant  
Performance Review in terms of the Individual Executive 
Director Assessment Report.  

There is no STI award unless the Entry Level financial 
condition is achieved.  

The STI pool in respect of 100% achievement level is 
subject to performance criteria as to: 

80% subject to financial conditions;  

i. 
ii.  20% subject to business critical non-financial  

conditions; and 

iii.  Malus reductions of up to 30% of the pool for non-
achievement of further non-financial performance  
conditions. 

Financial achievement calculated over the 100% 
achievement level is subject to financial conditions only. 

Executive Directors are to hold shares to the value 
equating to the level of fixed remuneration for that  
Executive Director at the end of the given financial year. 

If shares held are less than the benchmark, benefits are 
to be provided in the form of shares.   

Where Annual Profit After 
Tax is calculated as follows:   

Annual Net Profit After Tax (APAT), excluding the after-tax effect of property revaluation increments  
or decrements, the after-tax effect of the net impact of AASB 16 Leases and the after-tax effect of  
COVID-19 support and assistance received  

Long-Term Incentive (LTI) 

Awards under the LTI Plan 
are granted in the form of 
performance rights,  
being a right to acquire 
one ordinary share in the 
Company at nil exercise 
price 

Rewards executives 
for their contribution 
to the financial  
performance of the 
consolidated entity 
and the effective 
utilisation of net  
assets to generate 
wealth for  
shareholders 

Vesting of LTI performance rights is conditional upon  
achievement, in aggregate, of minimum RONA over the 2021, 
2022 and 2023 financial years of 16% (for 20% vesting) with full 
vesting (i.e. 100%) achieved at 20% RONA. 

Where Return on Net  
Assets (RONA) means the 
fraction:  

APBT (annual net profit before income tax excluding property revaluation increments or decrements, the net  
impact of AASB 16 Leases and any COVID-19 support and assistance received)  

Net Assets (excluding non-controlling interests) at the close of the preceding financial year  

ANNUAL REPORT JUNE 2021 

 39 

 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT — REMUNERATION REPORT (AUDITED) (CONTINUED) 

3. Remuneration Governance 

Remuneration Committee 
The Remuneration Committee is responsible for making recommendations to the Board on the remuneration arrangements for Executive 
Directors and Non-Executive Directors (NEDs). 

The Remuneration Committee assesses the appropriateness of the nature and amount of remuneration of NEDs and executives on a  
periodic basis by reference to relevant employment market conditions, with the overall objective of ensuring maximum stakeholder  
benefit from the retention of a high performing director and executive team.  In 2021, independent remuneration experts provided  
CHAIRMAN AND CEO’s REPORT 
remuneration benchmark information for consideration and analysis in respect of the level of Executive Director remuneration, including 
fixed remuneration, the short-term incentives framework and the long-term incentives framework, and the reasonableness of the  
framework. 

The Remuneration Committee comprises three NEDs, two of whom are independent NEDs.  Further information on the committee’s role, 
responsibilities and membership is located on the website: www.harveynormanholdings.com.au. 

Remuneration Approval Process 
The Board approves the remuneration arrangements of the CEO and executives and all awards made under the long-term incentive plans 
of the Company, following recommendations from, and certain determinations by, the Remuneration Committee.  The Board sets the 
aggregate remuneration of NEDs, subject to shareholder approval of the NED remuneration cap. 

The Remuneration Committee approves, having regard to the recommendations made by the CEO, the level of the STI pool for Executive 
Directors. 

No Director participates in deliberations about, or decisions, in respect of the remuneration of that Director. 

No Executive Director was present at any meeting of directors which considered any short-term incentive plan or long-term incentive plan 
of the Company, and no Executive Director voted on those matters. 

The Design of Executive Director Remuneration for a Year of Great Uncertainty  
At the outset of the 2021 year there was great uncertainty as to the expectation of outcomes.  With this in mind the Remuneration  
Committee applied the following settings to the remuneration framework for the Executive Directors: 
•  Consensus forecasts of market analysts were used to establish the entry point, the full achievement and the over-achievement levels 

for the Short-Term Incentive (STI) Plan. 
The maximum outcomes for the STI Plan were capped and did not provide awards on a proportionate basis to the record results. 
The performance conditions for the STI Plan were not exclusively based on financial outcomes, with both non-financial performance 
conditions and malus penalty reductions included in the assessment of achievement. 
The outcomes for the Long-Term Incentive (LTI) Plan were subject to achievement over a 3-year period, and not specifically weighted 
in respect of the record outcome year. 
The maximum outcomes for the LTI Plan were capped and did not provide awards on a proportionate basis to the record results. 

• 
• 

• 

• 

Evaluation of Performance of Executive Directors to consider any Windfall Gain Effect 
An appraisal of the performance of each Executive Director and the Executive Director team was undertaken following the end of the 2021 
year as part of the annual Participant Performance Review by the Remuneration Committee.  In this year, the appraisal focused on ensuring 
that executive remuneration in respect of the record financial result for 2021 was fair and reasonable, was in line with performance, and did 
not result in unintended windfall gains in remuneration returns for the Executive Directors.  

The appraisal considered matters in respect of performance during the COVID-19 period, including: 
• 

• 

• 
• 

The evaluation of the performance of Executive Directors linked with the design of the remuneration framework has led the Remuneration 
Committee to the conclusion that the Executive Directors did not receive unintended windfall gains in their respective remuneration  
returns. 

 40 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT — REMUNERATION REPORT (AUDITED) (CONTINUED) 

3. Remuneration Governance (continued) 
Evaluation of Performance of Executive Directors to consider any Windfall Gain Effect (continued) 

The Remuneration Committee views the outcome of the 2021 STI Plan and the LTI Plan as appropriate recognition of the performance of 
the Executive Directors in dealing with the multi-faceted challenges imposed during the year, demonstrating resilience in management of 
the integrated retail, franchise, property and digital business through much uncertainty.   

In line with a similar resolution made last year, the Remuneration Committee resolved that in making its decisions and recommendations 
in respect of remuneration outcomes for the Executive Directors for 2021, it would exclude the effect of COVID-19 support and assistance 
received by the consolidated entity in each of the countries in which it operates, from remuneration outcomes.   
CHAIRMAN AND CEO’s REPORT 
Subsequent to the year-end, in August 2021, all of the wages support and assistance received by controlled entities in Australia of $6.02 
million (FY21: $3.63 million and FY20: $2.39 million) was repaid to the Federal Government via the Australian Taxation Office. 

No Unfair Benefit 

Both the annual STI Plan and the ongoing 2016 LTI Plan have provisions to prevent an ‘unfair benefit’ being obtained by any participant in 
respect of fraud or breach of obligation. 

4. Remuneration Mix—Target 

For the 2021 financial year, the executive remuneration framework comprised fixed remuneration, STI and LTI.   

The consolidated entity aims to reward executives with a level and mix of remuneration appropriate to their position and responsibilities, 
while being market competitive.   

During the previous financial year, a review by an independent remuneration expert was undertaken in respect of the remuneration  
benchmarking used by the Company, with reference to both sector peers and comparator groups comprising companies of  
comparable financial size and operations.  As a result of this independent review, the policy of the Company was changed to position 
fixed remuneration against the level that reflects the financial accountability and operational scope of the position relative to peer group 
positions.   

The determination of fixed remuneration of Executive Directors was subject to the following principles: 
a) 

The performance of the Company, the longevity of the Executive Directors in their respective roles and the assessment of  
opportunity costs in respect of replacement;  
Be in line with the remuneration policies of the Company for Executive Directors so as to position fixed remuneration at around 
75th to 90th percentile of the peer group; and  
Target total remuneration to provide the opportunity for Executive Directors to earn top quartile rewards for outstanding  
performance.   

b) 

c) 

Remuneration levels are considered annually, with consideration of market data and the performance of the consolidated entity and  
individual.  The remuneration mix is considered against the maximum total remuneration for each Executive Director compared to the 
75th percentile of the benchmark peer group recommended by the independent remuneration expert.   

Relationship to Benchmark  
Peer Group: 

Below Target Range 

Below Target Range 

Within Maximum Range 

The remuneration expert was commissioned to review the level and reasonableness of the remuneration set for Executive Directors.   
The independent remuneration expert found the level of the remuneration and the remuneration mix to be reasonable.   

5. Details of the Short-Term Incentive (STI) Plan 

The extent to which the financial conditions and non-financial conditions have been satisfied will be documented in a Performance Report 
and an Internal Audit Report, for consideration by the Remuneration Committee in accordance with the terms and conditions of the short-
term and long-term incentive plans.  The Performance Report is a report prepared for, and on behalf of, the CEO addressing whether each 
weighted non-financial condition has been satisfied or, where relevant, the extent to which each weighted non-financial condition has been 
satisfied.   The Internal Audit Report is a report prepared by the Chief Internal Auditor of the Company, which is an objective appraisal of the 
Performance Report and documents the findings of the audit of the Performance Report.  

ANNUAL REPORT JUNE 2021 

 41 

 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT — REMUNERATION REPORT (AUDITED) (CONTINUED) 

5. Details of the Short-Term Incentive (STI) Plan (continued) 

2021 STI Plan  
The consolidated entity operates an annual STI program available to Executive Directors and awards a performance cash incentive (PCI), 
or equity, subject to the achievement of clearly defined measures, targets, initiatives and conditions. 

Who participates? 

  Executive Directors 

  STI awards, in the form of a cash bonus or performance cash incentive (PCI) or equity, have been made annually to  

Executive Directors in order to align remuneration with the achievement of a number of performance measures, targets and 
initiatives covering both financial and non-financial, corporate and individual measures of performance. 

CHAIRMAN AND CEO’s REPORT 
How is the STI  
delivered? 

Executive directors are to hold shares in the Company to the value equating to the level of fixed remuneration for that  
Executive Director at the end of the given financial year (the Benchmark Shareholding Level), with any STI paid in equity or 
cash subject to the following: 

a. 

b. 

If the Executive Director is under the Benchmark Shareholding Level, the STI reward will be paid in equity, subject to 
shareholder approval and compliance with the ASX Listing Rules, to the value that increases the holding of the  
Executive Director to the Benchmark Shareholding Level, with any remaining balance of the STI reward paid in cash. 
If the Executive Director is over the Benchmark Shareholding Level, the STI reward will be paid in cash. 

When is the STI 
paid? 

  The payment of the 2021 STI Plan PCI to an Executive Director under the 2021 STI Plan is to be made on 30 September 
2021, or as soon as reasonably practicable after that date, subject to the satisfaction of 2021 STI Plan Performance  
Conditions and 2021 STI Plan Service Conditions.  

  Executive Directors, excluding the Executive Chairman, have a target STI opportunity of between 45% to 72% of fixed  
remuneration.  The target STI opportunity is set at a level so as to provide sufficient incentive to Executive Directors to 
achieve the operational targets and such that the cost to the consolidated entity is reasonable in the circumstances.  

What is the 2021 
STI opportunity? 

For the year ended 30 June 2021, the 100% STI Pool for the 2021 STI Plan PCI was $3,250,000 allocated as follows:  
(1) Gerald Harvey nil; (2) Kay Lesley Page $942,500; (3) John Evyn Slack-Smith $812,500; (4) David Matthew Ackery 
$812,500; and (5) Chris Mentis $682,500. 

The maximum over-achievement pool for allocation was $750,000, with the maximum STI pool being $4,000,000.   
The over-achievement pool was allocated in proportion to the 100% STI Pool.    

What are the STI 
performance  
conditions for 
FY2021? 

  Actual STI payments awarded to each Executive Director depend on the extent to which specific measures, targets,  

initiatives and conditions for the 2021 financial year (STI Targets) were met.  STI Targets cover financial and non-financial 
measures of performance.  There is no STI award for an Executive Director unless the Executive Director satisfies the  
Participant Performance Review in terms of the Individual Executive Director Assessment Report.  There is no STI award  
unless the Entry Level financial condition is achieved.  

The primary weighting of the 2021 STI Plan Performance Conditions are as follows: 
a. 

Financial Condition as to 80% entitlement to the 100% STI Pool;  

b. 

c. 

d. 

Non-Financial Conditions as to 20% entitlement to the 100% STI Pool; 

Malus reductions of up to 30% for non-achievement of certain other non-financial performance conditions; and  

Financial Condition as to the Over-Achievement Pool. 

(a) STI 80% Financial Condition 

(b) STI 20% Non-Financial Conditions 

APAT was selected as the STI performance measure as it indicates the level 
of after-tax profit generated adjusted for the after-tax effects of net  
property revaluation adjustments, the net impact of AASB 16 Leases and 
any COVID-19 support and assistance received, and provides a basis for 
comparing growth in profitability year-on-year.   
The Financial Condition is calculated in respect of the year ended 30 June 
2021 and will be achieved at the following levels: 
• 

Entry Level at APAT of $400 million, equating to 50%  
entitlement of the STI subject to the financial condition  
(i.e., 40% entitlement to the 100% STI pool = $1.30 million);  

The Non-Financial Conditions were assessed in respect of the following:  
• 

Productivity improvements equating to 50% entitlement of the 
STI subject to the non-financial conditions  
(i.e., 10% entitlement to the STI pool = $0.325 million); and 

• 

Digital innovations equating to 50% entitlement of the STI  
subject to the non-financial conditions  
(i.e., 10% entitlement to the STI pool = $0.325 million). 

Full achievement of the non-financial conditions will equate to 20%  
entitlement to the STI pool i.e., a total of $0.65 million. 

• 

• 
• 

• 

 42 

100% Level at APAT of $502million, equating to 100%  
entitlement of the STI subject to the financial condition  
(i.e., 80% entitlement to the 100% STI pool = $2.60 million);  

Straight-line sliding scale between Entry Level and 100% Level; 

Over-Achievement Level at APAT of $553 million, equating to 
100% entitlement of the 100% STI Pool subject to the financial 
condition (i.e., 80% entitlement to the 100% STI pool = $2.60  
million) and 100% entitlement to the Over-Achievement Pool 
Amount of $0.75 million, resulting in a total Over-Achievement 
entitlement of $3.35 million; 

Straight-line sliding scale for achievement between 100% and the 
Over-Achievement Level.    

(c) Malus adjustments of up to 30% for non-achievement 

The malus (financial penalty) provisions could reduce the overall 
achievement of the STI award by 30%.  The malus provisions were made 
up of three main items:   
• 
• 
• 

Franchisee learning, development and growth = 5% of the 30%;  

Customer Experience in Australia and NZ = 10% of the 30% 

Company-operated store expansion strategy = 15% of the 30%. 
The malus provisions could potentially reduce the overall achievement 
of the STI award by up to 30% of the 100% STI Pool i.e., a reduction of up 
to $0.975 million. 

ANNUAL REPORT JUNE 2021 

 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT — REMUNERATION REPORT (AUDITED) (CONTINUED) 

5. Details of the Short-Term Incentive (STI) Plan (continued) 
2021 STI Plan (continued) 

In respect of the 2021 STI, each participating Executive Director will be subject to an additional non-financial performance 
condition in the form of a Participant Performance Review which is to: 
• 

Measure the extent of the proper performance and discharge of the executive responsibilities and accountabilities 
of that Individual Participant Executive Director;  

• 

Measure the extent of the proper performance and discharge of the duties of that Individual Participant Executive 
Director, as an officer and director of the Company. 

CHAIRMAN AND CEO’s REPORT 

To determine whether an individual is eligible for the 2021 STI, in terms of performance, the following process is  
undertaken: 
• 

A report by the CEO in respect to which each Individual Participant Executive Director has satisfied the Participant 
Performance Review in the form of an Individual Executive Director Assessment Report.  In respect of the  
assessment of the CEO, the Chairman of the Remuneration Committee shall undertake the report and assessment 
in respect of the CEO. 

An objective appraisal by the Internal Auditor of the process and conclusions reached in the Individual Executive 
Director Assessment Reports, to be provided to the Remuneration Committee promptly after 30 June 2021. 

How is performance 
assessed?  

• 

Subject to a satisfactory Participant Performance Review, and after consideration of reports and performance against STI 
Targets, the Remuneration Committee makes a final determination of the amount of STI to be paid to the CEO and other 
Executive Directors.   

The extent to which the financial conditions and non-financial conditions have been satisfied will be documented in the 
Performance Report and an Internal Audit Report, for consideration by the Remuneration Committee in accordance with 
the terms and conditions of the 2021 STI Plan. 

The Remuneration Committee (acting on behalf of the Company) may at any time, in its absolute discretion, decrease the 
amount of the STI which is, or may become, payable to an executive under the 2021 STI Plan by serving a written notice to 
the relevant executive at any time before the payment date.  

What happens if an 
executive leaves? 

  For "Bad Leavers" (defined by the Company as resignation or termination for cause), any STI is forfeited, unless otherwise 
determined by the Board.  For any other reason, the Board has discretion to award STI on a pro-rated basis taking into 
account time and the current level of performance against performance hurdles.  

6. Details of the Long-Term Incentive (LTI) Plan 

There were three active tranches of the 2016 LTI Plan operating in respect of the 2021 financial year.  The FY19 Tranche was issued in 
FY2019 and is measured over 2019, 2020 and 2021.  The FY20 Tranche was issued in FY2020 and is measured over 2020, 2021 and 2022.   
The FY21 Tranche was issued in FY2021 as follows: 

Tranche FY21 of the 2016 LTI Plan 

Tranche FY21 of the 
2016 LTI Plan 

Who participates? 

  LTI grants are made annually to Executive Directors in order to align remuneration with the creation of sustainable  

shareholder value over the long-term.  

  Executive Directors which have an impact on the performance of the consolidated entity against the relevant long-term 

performance measures.   

  Shareholders at the AGM held on 24 November 2015 approved the terms and conditions of the 2016 LTI Plan that  

permitted the grant of performance rights to Executive Directors in three separate tranches in the 2016, 2017 and 2018 
financial years.   

Shareholders at the AGM held on 27 November 2018 permitted the grant of a further three separate tranches of  
performance rights to Executive Directors in the 2019, 2020 and 2021 financial years, subject to the terms and conditions 
of the 2016 LTI Plan.   

How is the LTI  
delivered? 

Executive 

G. Harvey 

K.L Page 

J.E. Slack-Smith 

D.M. Ackery 

C. Mentis 

Total 

Tranche FY19  
Exercisable between  
1 January 2022 and  
30 June 2024  

Tranche FY20  
Exercisable between  
1 January 2023 and  
30 June 2025  

Tranche FY21  
Exercisable between  
1 January 2024 and  
30 June 2026  

65,500 

183,000 

109,000 

109,000 

83,000 

549,500 

65,500 

183,000 

109,000 

109,000 

83,000 

549,500 

65,500 

183,000 

109,000 

109,000 

83,000 

549,500 

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OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT — REMUNERATION REPORT (AUDITED) (CONTINUED) 

6. Details of the Long-Term Incentive (LTI) Plan (continued) 
Tranche FY21 of the 2016 LTI Plan (continued) 

  A performance right is the right to acquire one ordinary share in the Company at nil exercise price.  No amount is payable 
in respect of the grant of a performance right.  If exercised, each performance right will be converted into one ordinary 
share in the Company. 

Executive Directors have a target LTI opportunity of 34% of fixed remuneration.   

A total of 549,500 performance rights under Tranche FY21 of the 2016 LTI Plan were granted to Executive Directors on 4 
December 2020.    

What is the LTI  
opportunity issued 
in FY2021? 
CHAIRMAN AND CEO’s REPORT 

The performance rights were independently valued by Mercer Consulting (Australia) Pty Limited at grant date, with a fair 
value of $3.85 per entitlement share based on a share price of $4.66.   

The fair value was derived from a discounted cash flow technique where the value of the performance right is the face 
value of the share at grant date less the present value of the dividends expected to be paid on the share but not received 
by the holder during the vesting period.  Subject to the satisfaction of the financial performance condition and service 
conditions of the 2016 LTI Plan, the total fair value of Tranche FY21 performance rights amounted to $2,115,575 in  
aggregate.  

Tranche FY21  

Grant date 

Vesting date 

First exercise date 

Last exercise date 

Key Dates 

4 December 2020 

31 December 2023 

1 January 2024 

30 June 2026 

What are the  
performance  
conditions for 
Tranche FY21 of the 
2016 LTI Plan 

  Performance conditions are deemed to be an essential component of all variable reward entitlements.  The proposed 
allocation of performance rights will be subject to service conditions and financial performance conditions.  The Board 
(after consideration of the recommendations of the Remuneration Committee), may, in its discretion, impose additional 
non-financial performance conditions which must be satisfied as a condition of exercise of any performance rights by the 
Grantee.   

  100% Financial Condition 

  The financial condition in respect of the achievement of Tranche FY21 of the 2016 LTI Plan is based on RONA, where 

Tranche FY21 RONA means the fraction:   

Tranche FY21 Aggregate APBT ÷ Tranche FY21 Aggregate Net Assets, expressed as a percentage.  

Where: 

Tranche FY21 Financial Years means the financial years ending 30 June 2021, 2022 and 2023; 

Tranche FY21 Aggregate APBT means the aggregate amounts of the annual net profit before income tax of the  
consolidated entity for each of the Tranche FY21 Financial Years, but excluding amounts accounted for in the financial  
statements of the consolidated entity for increments or decrements arising from the revaluation of land or buildings, the 
net impact of AASB 16 Leases and any COVID-19 support and assistance received in the Tranche FY21 Financial Years; 

Tranche FY21 Aggregate Net Assets means the aggregate amounts of the net assets of the consolidated entity, excluding 
non-controlling interests, as at each of 30 June 2020, 2021 and 2022 as described in the annual report of the  
consolidated entity in respect of each of the Tranche FY21 Financial Years.  

  Full vesting of the Tranche FY21 performance rights is conditional upon achievement of Tranche FY21 RONA of at least 

20%, with a lesser vesting as set out in the table below:  

Tranche FY21  RONA Achieved 

Tranche FY21 % of Performance Rights  that will become 

Less than 16% 

16% 

17% 

18% 

19% 

20% 

NIL 

20% 

40% 

60% 

80% 

100% 

The level of LTI achievement for the determination of vesting will be based on a straight-line basis between 16% RONA as 
to 20% achievement and 20% RONA as to 100% achievement.  

 44 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT — REMUNERATION REPORT (AUDITED) (CONTINUED) 

6. Details of the Long-Term Incentive (LTI) Plan (continued) 
Tranche FY21 of the 2016 LTI Plan (continued) 

How is performance 
assessed? 

  Level of satisfaction of LTI Plan conditions is monitored by the Remuneration Committee, with assistance from Internal 
Audit, each year, with the vesting outcomes ultimately determined at the end of the three-year performance period.   

The LTI award for each of the financial years will be measured over a three-year period, with Tranche FY21 of the 2016 LTI 
Plan measured over the period for financial years ending 30 June 2021, 30 June 2022 and 30 June 2023. 

When does the LTI 
vest? 
CHAIRMAN AND CEO’s REPORT 

  Performance rights granted under Tranche FY21 of the 2016 LTI Plan will vest on 31 December 2023, subject to meeting 
the financial performance conditions and service conditions, and will be capable of exercise between 1 January 2024 and 
30 June 2026.  

How are potential 
LTI awards treated 
on termination?  

In general, where a participant resigns or is terminated for cause before a performance right vests, all unvested  
performance rights will lapse.  The Board (after consideration of the recommendations of the Remuneration Committee of 
the Board), has discretion to determine the treatment of any unvested performance rights where a participant ceases 
employment in “good leaver” circumstances (such as by reason of death, disability or otherwise in circumstances  
approved by the Board). 

In the event of fraud, dishonesty or breach of obligations, the Board may make a determination, including lapsing an 
award of performance rights, to ensure no unfair benefit is obtained by a participant.   

How are potential 
LTI awards treated if 
a change of control 
occurs?  

In the event of a takeover, scheme of arrangement or other transaction which may result in a person becoming entitled to 
exercise control over the Company, the Board has a discretion to determine whether any unvested performance rights 
should vest, lapse or become subject to different performance conditions, or whether any resulting shares that are subject 
to a restriction period, should become unrestricted. 

Are executives  
eligible for  
dividends?  

  Performance rights will not carry any voting or dividend rights.  Performance rights are non-transferable except in limited 
circumstances or with the consent of the Board.  If exercised, each performance right will be converted into one ordinary 
share in the Company.  Executives will then be entitled to dividends on those ordinary shares after conversion.   

7. Performance and Executive Remuneration Outcomes in FY21 

7A. Actual Remuneration Earned by Key Management Personnel (KMP) in FY21 
The compensation expensed in respect of KMP in FY21 is set out in Table 1 (for Directors) and Table 2 (for Senior Executives) on pages 55 
and 56 of this report.  This provides shareholders with a view of the remuneration earned by KMP for performance in the 2021 financial 
year and the value of any LTIs expensed during the financial year.   

The ‘take-home pay’ for KMP Directors of the Company, representing the benefits paid to each Director during the year ended 30 June 
2021, or as soon as practicable after that date, is set out in Section 13 of the Remuneration Report on page 59.  

7B. Fixed Remuneration  
Executive contracts of employment do not include any guaranteed base pay increases.  The fixed remuneration of Executive Directors is 
reviewed annually by the Remuneration Committee.   

In line with the independent review undertaken during the 2020 financial year by an independent remuneration expert, the determination 
of fixed remuneration of Executive Directors was subject to the following principles: 
a) 

The performance of the Company, the longevity of the Executive Directors in their respective roles and the assessment of  
opportunity costs in respect of replacement;  
Be in line with the remuneration policies of the Company for Executive Directors so as to position fixed remuneration at around 
75th to 90th percentile of the peer group; and  
Target total remuneration to provide the opportunity for Executive Directors to earn top quartile rewards for outstanding  
performance.   

b) 

c) 

Remuneration levels are considered annually, with consideration of market data and the benchmark peer group.  The process undertaken 
by the Remuneration Committee consisted of a review of Company, business unit and individual performance, relevant comparative  
remuneration, and external advice independent of management as to the reasonableness of the fixed remuneration of the Executive  
Directors.   

For FY2021, there was no increase in the level of fixed remuneration for the Executive Directors.  The fixed remuneration of the Executive 
Directors has not increased since the fixed remuneration was re-set in FY2014 following the Global Financial Crisis (GFC). 

The fixed component of the remuneration of Executive Directors is disclosed in Table 1 on page 55 of this report. 

ANNUAL REPORT JUNE 2021 

 45 

 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT — REMUNERATION REPORT (AUDITED) (CONTINUED) 

7. Performance and Executive Remuneration Outcomes in FY21 (continued) 

7C. Actual Performance Against Short Term Incentive (STI) Measures   

A combination of financial and non-financial measures are used to measure performance for STI awards.  The STI 100% opportunity pool 
was $3,250,000 (2020: $3,000,000).  The pool for over-achievement was $750,000 (2020: $600,000).  The maximum aggregate pool for 
allocation was $4,000,000 (2020: $3,600,000).    

80% of the STI is dependent on the satisfaction of financial performance conditions (based on APAT) and 20% is measured against the  
achievement of non-financial measures.   

Actual performance against those measures is as follows for the 2021 financial year: 
a) 
CHAIRMAN AND CEO’s REPORT 
b) 
c) 
d) 

100% achievement of the 80% Financial Condition (score of 80 out of 80) of the 100% STI pool = $2,600,000 
100% achievement of the Over-Achievement Pool subject to the Financial Condition (score of 20 out of 20) = $750,000 
87.5% achievement of the 20% Non-Financial Conditions (score of 17.5 out of 20) = $568,752  
15.5% reduction for malus penalties of up to 30% of the STI Pool (score of 4.64 out of 30) = reduction of $150,800  

The total 2021 STI Plan payable in respect of the 2021 financial year is $3,767,952 (2020: $3,481,651).  This represented a total  
achievement of 112.86 points out of 120 points (94.05%) as shown in the tables below.   

Financial Conditions of the 2021 STI Plan 

Achievement of 80% Financial Condition 

Calculation of FY2021 APAT 

Annual Net Profit After Tax (APAT) excluding the 
after-tax effects of property revaluation  
increments or decrements, the net impact of 
AASB 16 Leases and any COVID-19 support  
and assistance received  

= $738.44 million 
for FY21  

Achievement = 
120% Over-
Achievement 

100% Level  
2021 STI PCI 

% Financial 
Conditions 

Gerald Harvey 

Kay Lesley Page 

John Evyn Slack-Smith 

David Matthew Ackery 

Chris Mentis 

Total  

Nil 

$942,500 

$812,500 

$812,500 

$682,500 

$3,250,000 

Achievement of Over-Achievement Pool 

n/a 

80% 

80% 

80% 

80% 

120% Over-
Achievement Pool 

% Financial  
Conditions 

Gerald Harvey 

Kay Lesley Page 

John Evyn Slack-Smith 

David Matthew Ackery 

Chris Mentis 

Total  

Nil 

$217,500 

$187,500 

$187,500 

$157,500 

$750,000 

n/a 

100% 

100% 

100% 

100% 

2021 STI PCI  
Financial  
Condition 

Nil 

$754,000 

$650,000 

$650,000 

$546,000 

$2,600,000 

2021 STI PCI  
Financial  
Condition 

Nil 

$217,500 

$187,500 

$187,500 

$157,500 

$750,000 

% Financial Condition Satisfied 

n/a 

100% (80 out of 80) 

100% (80 out of 80) 

100% (80 out of 80) 

100% (80 out of 80) 

% Financial Condition Satisfied 

n/a 

100% (20 out of 20) 

100% (20 out of 20) 

100% (20 out of 20) 

100% (20 out of 20) 

2021 STI PCI 
Payable 

Nil 

$754,000 

$650,000 

$650,000 

$546,000 

$2,600,000 

2021 STI PCI 
Payable 

Nil 

$217,500 

$187,500 

$187,500 

$157,500 

$750,000 

APAT for the 2021 financial year was $738.44 million resulting in the full achievement of the financial conditions for the STI 100% Pool 
(level required $502 million), and full achievement of the financial conditions in respect of the Over-Achievement Pool (level required 
$553 million).  

 46 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT — REMUNERATION REPORT (AUDITED) (CONTINUED) 

7. Performance and Executive Remuneration Outcomes in FY21 (continued) 
7C. Actual Performance Against Short Term Incentive (STI) Measures (continued)  

Non-Financial Conditions of the 2021 STI Plan 

Achievement of 20% Non-
Financial Conditions  

For 2021, 20% of the 100% opportunity pool i.e., $650,000 was subject to non-financial performance measures  
as to: 
• 
• 

Productivity improvements of 50% for $325,000; and 

Digital innovations of 50% for $325,000. 

100% Level  
2021 STI PCI 

% Non-Financial  
Conditions 

2021 STI PCI Non-
Financial  

% Non-Financial  
Condition Satisfied 

2021 STI PCI  
Payable 

CHAIRMAN AND CEO’s REPORT 
Gerald Harvey 

Nil 

Kay Lesley Page 

John Evyn Slack-Smith 

David Matthew Ackery 

Chris Mentis 

Total  

$942,500 

$812,500 

$812,500 

$682,500 

$3,250,000 

n/a 

20% 

20% 

20% 

20% 

Nil 

n/a 

$188,500 

87.5% (17.5 out of 20) 

$162,500 

87.5% (17.5 out of 20) 

$162,500 

87.5% (17.5 out of 20) 

$136,500 

87.5% (17.5 out of 20) 

$650,000 

Nil 

$164,938 

$142,188 

$142,188 

$119,438 

$568,752 

The Remuneration Committee had regard to certificates and reports from officers of the Company, other Board committees and  
management, including the Individual Director Assessment Reports and Internal Audit Reports, and noted that 87.5% of the non-financial 
performance hurdles for the 2021 STI Plan were achieved, equating to a score of 17.5 points out of 20 points.   

Achievement of the Non-Financial Performance Conditions for the 2021 STI Plan are set out in the following table: 

Assessment of Non-Financial Conditions of the 2021 STI Plan 

Primary 
Weighting 

10% 

Measure 

Target 

Implement  
process  
improvements 
and systems to 
enhance the 
Online-to-
Offline (020) 
Strategy of the 
consolidated 
entity. 

Productivity 
Improvements 

Initiatives and  
Conditions 

Establish and commence the build phase for the up-
grade of finance platforms of the consolidated entity in 
Australia, with governance established for each stream 
of the project within approved scope and budget.   

Franchisees are to be provided with licences and  
training to use tools to improve the profitability of their 
franchised business: 

(1)  Trak by Harvey Norman® functionality in no less than 
80 franchised complexes with the third phase of the 
approved program within approved scope and budget. 

(2)  Complete phase 3 of the approved project to  
replace all end-of-life and at-capacity hardware used by 
franchisees within approved scope and budget. 

(3)  Establish and commence the security and improve-
ment program for franchisees with governance  
established for each stream of the program within  
approved scope and budget. 

Digital  
Innovations 

Implement  
innovation and  
improvement  
initiatives to 
enhance the 
digital  
operations of 
the  
consolidated 
entity. 

10% 

Franchisees are to be provided with licences and train-
ing to use the digital innovations to improve the  
profitability of the franchised business: 

(1)  Establish a program of improvement initiatives  
within franchised complexes and the Marketplace  
franchisee operational environments including a  
schedule for scope approval and an execution  
timetable. 

(2)  Upgrade the digital platform licensed to the  
Marketplace franchisee with appropriate governance 
over the approved scope and budget.  

Total 

20% 

ANNUAL REPORT JUNE 2021 

Weighting 
of initiatives 
& conditions 

Achieve-
ment 

Score 

 25% 

80% 

2.0% 

25% 

100% 

2.5% 

25% 

100% 

2.5% 

25% 

100% 

2.5% 

50% 

100% 

5.0% 

50% 

 60% 

3.0% 

17.5% 

 47 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
  
 
 
 
  
 
  
 
 
 
 
  
 
 
 
  
 
  
 
 
 
 
  
 
 
 
  
 
 
 
   
 
   
 
 
  
  
  
 
 
   
  
   
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT — REMUNERATION REPORT (AUDITED) (CONTINUED) 

7. Performance and Executive Remuneration Outcomes in FY21 (continued) 
7C. Actual Performance Against Short Term Incentive (STI) Measures (continued)  

Malus Reduction in Respect of 2021 STI Plan 

Malus Reductions of up to 
30% of the 2021 STI  

Malus (financial penalty) provisions to reduce the overall achievement of the 100% STI pool by up to 30%  
i.e., $975,000, in respect of:   
• 
• 
• 

Customer Experience in Australia and New Zealand, as to 10 points of the 30%; 

Franchisee learning, development and growth, as to 5 points of the 30%; and 

Company-operated store expansion strategy, as to 15 points of the 30%. 

CHAIRMAN AND CEO’s REPORT 

100% Level  
2021 STI PCI 

% Malus  
Reductions 

2021 STI PCI Malus 
Reductions  

% Malus Reductions (Score) 

Reduction in 2021  
STI PCI  Payable 

Gerald Harvey 

Kay Lesley Page 

John Evyn Slack-Smith 

David Matthew Ackery 

Chris Mentis 

Total  

Nil 

$942,500 

$812,500 

$812,500 

$682,500 

$3,250,000 

n/a 

-30% 

-30% 

-30% 

-30% 

Nil 

n/a 

($282,750) 

-15.47% (4.64 out of 30) 

($243,750) 

-15.47% (4.64 out of 30) 

($243,750) 

-15.47% (4.64 out of 30) 

($204,750) 

-15.47% (4.64 out of 30) 

($975,000) 

Nil 

($43,732) 

($37,700) 

($37,700) 

($31,668) 

($150,800) 

Total achievement of the 2021 STI was reduced by 4.64% ($150,800) relating to the assessment of malus reductions as indicated in the 
table below.  

Primary 
Weighting 

-10% 

Measure 

Target 

  Grant licences to use 
tools to reinforce 
and enhance the 
"Shop with  
Confidence" Harvey  
Norman® brand  
positioning through 
the Customer  
Service Standards. 

Customer  
Experience 

  Ongoing refinement of 
the process by each 
franchisee that  
promotes and  
encourages measure-
able improvement in 
the knowledge and  
capability of the  
franchisee and their 
employees.  

  Company-operated 
store expansion 
strategy in Singa-
pore, Malaysia,  
Ireland and Croatia.   

People & 
Culture / 
Franchisee 
Learning, 
Development 
and Growth  

Company-
Operated 
Store  
Expansion  
Strategy  

Total 

 48 

Assessment of the Malus Provisions 

Initiatives and  
Conditions 

Weighting 
of initiatives 
& conditions 

Achieve-
ment / 
Score 

(1)  Each franchisee in a Harvey Norman® complex to 
achieve an aggregate satisfaction rating from  
customer experience surveys of no less than 50% for 
that complex in Australia (expected achievement of 
75%). 

(2)  Each franchisee in Australia to achieve a  
reduction in the number of total consumer  
complaints of 4% in FY21 over the prior year on a like
-for-like basis. 

(3)  Company-operated stores in New Zealand to 
achieve an aggregate independent rating from the 
planned and budgeted customer experience surveys 
during FY21 of at least 50% (expected achievement 
of 75%). 

(4)  Company-operated stores in New Zealand to 
achieve a net reduction in total complaints of 3% in 
FY21 over the prior year on a like-for-like basis. 

-5% 

(1)  Franchisees to identify and nominate a minimum 
number of 50 candidates to attend the “Franchisees 
and Proprietor in Training (FIT)” development program 
during FY21. 

(2)  Franchisees to achieve a successful completion 
rate of 75% by participants in the FIT development 
program during FY21. 

Malus 
Reduc-
tion 

0.0% 

-3.64% 

0.0% 

-1.0% 

0.0% 

0.0% 

40% 

  40% 

10% 

10% 

50% 

50% 

100% 
(Score of 
4.0%) 

 9.0% 
(Score of 
0.36%) 

 100% 
(Score of 
1.0%)  

  0.0% 
(Score of 
0.0%) 

100% 
(Score of 
2.5%) 

 100% 
(Score of 
2.5%) 

-11.25%  

(1)  Singapore: open 3 new stores during FY21. 

75% 

(2)  Malaysia:  open 3 new stores during FY21 

-1.875% 
-1.875% 

(3)  Ireland: One (1) new store to be opened at Sligo.
(4)  Croatia: One (1) new store to be opened at Pula. 

12.5% 

12.5% 

-30% 

ANNUAL REPORT JUNE 2021 

100% 
(11.25%)  

Both 
100% 
(1.875%) 

0.0% 

0.0%
0.0% 

-4.64% 

 
 
 
 
 
 
 
  
  
  
  
  
   
 
  
  
  
  
  
   
  
  
  
  
  
   
  
  
 
  
  
 
   
 
   
 
  
   
   
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT — REMUNERATION REPORT (AUDITED) (CONTINUED) 

7. Performance and Executive Remuneration Outcomes in FY21 (continued) 
7C. Actual Performance Against Short Term Incentive (STI) Measures (continued)  

SUMMARY OF TOTAL  
ACHIEVEMENT OF 2021 STI   

Gerald Harvey 

Kay Lesley Page 

John Evyn Slack-Smith 

100% Pool Amount 

Over-Achievement 
Pool 

TOTAL 2021 STI  

Financial  

Non-Financial 

Malus 

Financial 

- 

$754,000 

$650,000 

- 

$164,938 

$142,188 

$142,188 

$119,438 

- 

($43,732) 

($37,700) 

($37,700) 

($31,668) 

David Matthew Ackery 
CHAIRMAN AND CEO’s REPORT 
Chris Mentis 

$650,000 

$546,000 

Total  

$2,600,000 

$568,752 

($150,800) 

- 

$217,500 

$187,500 

$187,500 

$157,500 

$750,000 

- 

$1,092,706 

$941,988 

$941,988 

$791,270 

$3,767,952 

Service Conditions of the 2021 STI Plan  
The 2021 STI Plan Service Conditions will be deemed to be satisfied, if and only if, as at the relevant payment date (30 September 2021): 
• 

the Executive has not resigned or provided notice of resignation of employment from the Employer, except in order to retire from the 
workforce; 
the Employer has not terminated the employment of the Executive for cause; or  
the Board has not determined that the incentives should be revoked or lapse as a result of any breach of the law, corrupt conduct, 
bribery, fraud, gross misconduct or conduct of the Executive which brings the Company or the Employer into disrepute.  

• 
• 

Shareholding Benchmark of the 2021 STI Plan 
Executive Directors are to hold shares in the Company to the value equating to the level of fixed remuneration for that Executive Director at 
the end of the financial year (the Benchmark Shareholding Level).  If shares held by the Executive Director are less than the Benchmark 
Shareholding Level, the STI benefit is to be provided in the form of shares, subject to shareholder approval and compliance with ASX  
Listing Rules, to the value that increases the holding of the Executive Director to the Benchmark Shareholding Level. 

Each of the Executive Directors that participated in the 2021 STI Plan held shares in the Company of a value that was in excess of the  
Benchmark Shareholding Level.  The STI benefit under the 2021 STI Plan is to be paid in cash.  

7D. Actual Performance Against Long Term Incentive (LTI) Measures for Tranche FY21 of the 2016 LTI Plan 
A total of 549,500 performance rights were granted to Executive Directors on 4 December 2020.  The Remuneration Committee had regard 
to certificates and reports from officers of the Company, other Board committees and management and Internal Audit Reports, and has  
estimated, based on the available evidence, that the financial performance condition for Tranche FY21 of the 2016 LTI Plan will be 100% 
achieved by the end of the vesting period and it is probable that 100% of the estimated fair value of the performance rights will meet the 
performance condition.   

The Remuneration Committee resolved in making its decisions and recommendations in respect of remuneration outcomes for the  
Executive Directors of the Company, it will exclude the effect of COVID-19 support and assistance in respect of remuneration outcomes, so 
as to eliminate unintended windfall gains in “at risk” remuneration returns for the Executive Directors in respect of COVID-19 support and 
assistance.  The probability of 100% vesting has been estimated based on the calculation of Tranche FY21 RONA for the 2021 financial year 
of 30.09%.  A 30.09% RONA for FY21 would result in a 100% vesting for year 1 of the three-year measurement period.  A 100% vesting  
probability will result in an estimated cumulative Tranche FY21 fair value of $2,115,575 over the vesting period.  An amount of $393,726 has 
been recognised as remuneration to Executive Directors and expensed in the income statement on a straight-line basis for FY2021. 

Achievement of 100% Financial Condition for Tranche FY21 of 2016 LTI  

Calculation of FY21 RONA: 

FY21 APBT (net profit excluding property  
revaluations, the net impact of AASB 16 Leases  
and any COVID-19 support and  
assistance received) 

FY20 Net Assets (excluding non-controlling interests) 

$1,036.91 million 

$3,446.34 million 

= 30.09% RONA 

Number of  
Performance 
Rights 

Fair Value  
Per Right 

65,500 

183,000 

109,000 

109,000 

83,000 

549,500 

$3.85 

$3.85 

$3.85 

$3.85 

$3.85 

Fair Value of 
Performance 
Rights 

$252,175 

$704,550 

$419,650 

$419,650 

$319,550 

$2,115,575 

Gerald Harvey 

Kay Lesley Page 

John Evyn Slack-Smith 

David Matthew Ackery 

Chris Mentis 

Total  

Probability of 
Vesting % 

Estimated Value of 
Tranche FY21 2016 
LTI Plan to Vest 

Tranche FY21  
LTI Plan  Expense  
in FY21 

100% 
100% 
100% 

100% 

100% 

$252,175 

$704,550 

$419,650 

$419,650 

$319,550 

$46,932 

$131,123 

$78,100 

$78,100 

$59,471 

$2,115,575 

$393,726 

 49 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT — REMUNERATION REPORT (AUDITED) (CONTINUED) 

7. Performance and Executive Remuneration Outcomes in FY21 (continued) 
7D. Actual Performance Against Long Term Incentive (LTI) Measures for Tranche FY21 of the 2016 LTI Plan (continued) 

Subject to the satisfaction of the financial performance condition and service conditions of the 2016 LTI Plan, Tranche FY21 will vest on 31 
December 2023.  The exercise price for each performance right will be nil.  If exercised, each performance right will be converted into one 
ordinary share of the Company.  Unexercised performance rights will lapse, irrespective of whether the performance rights have become 
exercisable on 1 July 2026 or: 
• 
• 

such earlier date specified by the Board; 
the Board determines the performance rights granted to a Grantee should lapse, as a result of any fraud, gross misconduct or conduct 
by that Grantee which brings the Company into disrepute; or  
the Board determines the relevant requirements in relation to performance rights granted to a Grantee, including performance  
conditions and a service condition, have not and are incapable of being met. 

• 
CHAIRMAN AND CEO’s REPORT 

7E. Reassessment of Tranche FY20 of the 2016 LTI Plan Performance Conditions and Expense Recognised in FY21 

In the 2020 financial year, a total of 549,500 performance rights were granted to Executive Directors on 2 December 2019 under Tranche 
FY20 of the 2016 LTI Plan.  The performance rights were independently valued by Mercer Consulting (Australia) Pty Limited at a fair value of 
$3.47 per entitlement share, based on a share price of $4.30 as at grant date, resulting in a total fair value of Tranche FY20 of $1,906,765.  
Tranche FY20 of the 2016 LTI Plan will be measured over a three-year period for financial years ending 30 June 2020, 30 June 2021 and 30 
June 2022. 

In the 2020 Remuneration Report, it was reported that the estimated achievement of Tranche FY20 of the 2016 LTI Plan would have been 60% 
by the end of the vesting period and that 60% of the estimated fair value of the Tranche FY20 performance rights will meet the  
performance condition.  The probability of 60% vesting had been estimated based on the calculation of Tranche FY20 RONA for the 2020 
financial year of 18.91%.   

The financial performance condition of Tranche FY20 is subject to reassessment during each of the Tranche FY20 Financial Years being the 
financial years ending 30 June 2020, 2021 and 2022.  A reassessment of the Tranche FY20 Aggregate APBT and Tranche FY20  
Aggregate Net Assets for the 2020 and 2021 financial years has resulted in a revised RONA for the two-year aggregated period of 24.73%.  
The revised RONA of 24.73% has resulted in a revised probability of vesting of 100%.  This revised probability of vesting of 100% is higher 
than the previously estimated probability of vesting of 60% calculated in FY20 based on Tranche FY20 RONA.   

The cumulative expense in respect of Tranche FY20 has been reassessed in the 2021 financial year as $1,906,765, an increase of $762,706 
from the previous assessment of cumulative Tranche FY20 expense in the 2020 financial year of $1,144,059 as reported in the 2020  
Remuneration Report.  The total value of Tranche FY20 expense recognised in the 2021 financial year was $761,714, comprised of $618,173 
relating to the recognition of the Tranche FY20 expense on a straight-line basis for FY2021, and $143,541 relating to an adjustment to the 
Tranche FY20 expense recognised in the previous financial year due to the reassessment of the probability of vesting from 60% to 100%. 

Reassessment of 100% Financial Condition for Tranche FY20 of 2016 LTI Plan   

Calculation of Aggregated RONA for Tranche 
FY20 Financial Years (FY2020 and FY2021)  

Tranche FY20 Aggregated APBT (net profit excluding 
property revaluations, the net impact of AASB 16 Leases 
and any COVID-19 support and assistance received) 
(2020 + 2021)   

Tranche FY20 Aggregated Net Assets (2019 + 2020)  

$1.635.84 million 

$6,613.75 million 

= 24.73%  
RONA 

Gerald Harvey 

Kay Lesley Page 

John Evyn Slack-Smith 

David Matthew Ackery 

Chris Mentis 

Total  

Probability  
Vesting % in 
FY20 

Tranche FY20 
Estimated Fair 
Value in FY20 

Revised  
Probability  
Vesting in FY21 

Revised Estimated 
Tranche FY20 Fair 
Value in FY21 

Adjustment due to 
reassessment 

Tranche FY20 LTI 
Plan Expense  
in FY21 

60% 

60% 

60% 

60% 

60% 

$136,371 

$381,006 

$226,938 

$226,938 

$172,806 

$1,144,059 

100% 

100% 

100% 

100% 

100% 

$227,285 

$635,010 

$378,230 

$378,230 

$288,010 

$90,914 

$90,796 

$254,004 

$253,674 

$151,292 

$151,292 

$115,204 

$151,095 

$151,095 

$115,054 

$1,906,765 

$762,706 

$761,714 

7F. Reassessment of Tranche FY19 of the 2016 LTI Plan Performance Conditions and Expense Recognised in FY21  

In the 2019 financial year, a total of 549,500 performance rights were granted to Executive Directors on 4 December 2018 under Tranche 
FY19 of the 2016 LTI Plan.  The performance rights were independently valued by Mercer Consulting (Australia) Pty Limited at a fair value 
of $2.59 per entitlement share, based on a share price of $3.21 as at grant date, resulting in a total fair value of Tranche FY19 of 
$1,423,205.  Tranche FY19 of the 2016 LTI Plan was measured over a three-year period for financial years ending 30 June 2019, 30 June 
2020 and 30 June 2021. 

 50 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT — REMUNERATION REPORT (AUDITED) (CONTINUED) 

7. Performance and Executive Remuneration Outcomes in FY21 (continued) 
7F. Reassessment of Tranche FY19 of the 2016 LTI Plan Performance Conditions and Expense Recognised  
in FY21 (continued) 

In the 2020 Remuneration Report, it was reported that the estimated achievement of Tranche FY19 of the 2016 LTI Plan would have been 
60% by the end of the vesting period and that 60% of the estimated fair value of the Tranche FY19 performance rights will meet the  
performance condition.   

The probability of 60% vesting was reassessed in 2020 based on a 2-year aggregated RONA, being the Tranche FY19 Aggregate APBT 
and Tranche FY19 Aggregate Net Assets for the 2019 and 2020 financial years.  The reassessment in 2020 resulted in a revised 2-year 
aggregated RONA of 18.15%. 
CHAIRMAN AND CEO’s REPORT 
The financial performance condition of Tranche FY19 was subject to reassessment during each of the Tranche FY19 Financial Years being 
the financial years ending 30 June 2019, 2020 and 2021.  A reassessment of the Tranche FY19 Aggregate APBT and Tranche FY19  
Aggregate Net Assets for the 2019, 2020 and 2021 financial years has resulted in a revised RONA for the three-year aggregated period of 
22.47%.  A revised aggregated RONA of 22.47% for the Tranche FY19 Financial Years has resulted in the actual achievement of 100% of 
the Tranche FY19 performance rights.  This revised achievement calculation of 100% is higher than the previously estimated probability of 
vesting of 60% calculated in FY20.   

The cumulative expense in respect of Tranche FY19 has been reassessed in the 2021 financial year as $1,423,205, an increase of $569,282 
from the previous assessment of cumulative Tranche FY19 expense in the 2020 financial year of $853,923 as reported in the 2020  
Remuneration Report.  The total value of Tranche FY19 expense recognised in the 2021 financial year was $753,359, comprised of 
$462,115 relating to the recognition of the Tranche FY19 expense on a straight-line basis for FY21, and $291,244 relating to an adjustment 
to the Tranche FY19 expense recognised in the 2019 and 2020 financial years due to the reassessment of the probability of vesting from 
60% to 100%.  FY2021 was the final year of measurement for Tranche FY19 with the performance rights scheduled to vest at 31 December 
2021. 

Reassessment of 100% Financial Condition for Tranche FY19 of 2016 LTI Plan   

Calculation of Aggregated RONA for Tranche 
FY19 Financial Years (2019, 2020 and 2021)  

Tranche FY19 Aggregated APBT (2019+ 2020 + 2021) 

$2,140.10 million 

Tranche FY19 Aggregated Net Assets (2018 + 2019 + 2020)  

$9,524.76 million 

= 22.47%  
RONA 

Probability 
Vesting % in 
FY20 

Tranche FY19  
Estimated Fair 
Value in FY20 

Revised Probability 
Vesting in FY21 

Revised Tranche 
FY19 Fair Value in 
FY21 

Adjustment due to 
Reassessment 

Tranche FY19 LTI 
Plan Expense  
in FY21 

Gerald Harvey 

Kay Lesley Page 

John Evyn Slack-Smith 

David Matthew Ackery 

Chris Mentis 

Total  

60% 

60% 

60% 

60% 

60% 

$101,787 

$284,382 

$169,386 

$169,386 

$128,982 

$853,923 

100% 

100% 

100% 

100% 

100% 

$169,645 

$473,970 

$282,310 

$282,310 

$214,970 

$67,858 

$89,800 

$189,588 

$250,891 

$112,924 

$149,438 

$112,924 

$149,438 

$85,988 

$113,792 

$1,423,205 

$569,282 

$753,359 

7G. Assessment of Tranche 3 of the 2016 LTI Plan Performance Conditions and Expense Recognised in FY21 

In 2018, a total of 400,000 performance rights were granted to Executive Directors on 1 December 2017 under Tranche 3 of the 2016 LTI 
Plan.  The performance rights were independently valued by Mercer Consulting (Australia) Pty Limited at a fair value of $3.34 per share, 
based on a share price of $4.02 as at grant date, resulting in a total fair value of Tranche 3 of $1,336,000.  Tranche 3 of the 2016 LTI Plan 
was measured over a three-year period for financial years ending 30 June 2018, 30 June 2019 and 30 June 2020. 

In the 2020 Remuneration Report, it was reported that the estimated achievement of Tranche 3 of the 2016 LTI Plan would have been 
56.6% by the end of the vesting period and that 56.6% of the estimated fair value of the performance rights would meet the performance 
condition.   

The cumulative expense in respect of Tranche 3 was $756,177 as reported in the 2020 Remuneration Report.  The 2020 financial year was 
the final year of Tranche 3 measurement.  During the 2021 financial year, an expense of $123,456 was recognised in respect of Tranche 3 
of the 2016 LTI Plan representing the remaining vesting period up to 31 December 2020.   

Of the 400,000 performance rights granted to Executive Directors during 2018, a total of 56.6%, or 226,400 performance rights vested on 
31 December 2020 and were exercisable from 1 January 2021.  On 6 January 2021, 191,025 performance rights under Tranche 3 of the 
2016 LTI Plan were exercised and on 26 March 2021, a further 35,375 performance rights under Tranche 3 were exercised, reducing the 
unissued ordinary shares under Tranche 3 of the 2016 LTI Plan to nil. 

ANNUAL REPORT JUNE 2021 

 51 

 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT — REMUNERATION REPORT (AUDITED) (CONTINUED) 

7. Performance and Executive Remuneration Outcomes in FY21 (continued) 
7G. Assessment of Tranche 3 of the 2016 LTI Plan Performance Conditions and Expense Recognised in FY21 (continued) 

Assessment of 100% Financial Condition for Tranche 3 of 2016 LTI Plan   

Calculation of Aggregated RONA for Tranche 
3 Financial Years  (2018, 2019 and 2020)  

Tranche 3 Aggregated APBT (2018 + 2019 + 2020) 

$1,581.71 million 

Tranche 3 Aggregated Net Assets (2017 + 2018 + 2019)  

$8,868.88 million 

= 17.83% 
RONA 

Actual Achievement 
in FY20 

Actual Tranche 3 
Fair Value 

Tranche 3 LTI Plan 
Expense in FY21 

Gerald Harvey 

CHAIRMAN AND CEO’s REPORT 
Kay Lesley Page 
John Evyn Slack-Smith 

David Matthew Ackery 

Chris Mentis 

Total  

56.6% 

56.6% 

56.6% 

56.6% 

56.6% 

$118,153 

$212,675 

$141,783 

$141,783 

$141,783 

$756,177 

$19,290 

$34,722 

$23,148 

$23,148 

$23,148 

$123,456 

7H. Summary of Performance and Executive Remuneration Outcomes in FY21  

Remuneration Component 

100%-Level 
Achievement 
Amount 

Achieve-
ment 

Score 

Amount 
Payable 

Vesting  
Period 

2021  
Remuneration 
Amount 

2020  
Remuneration 
Amount 

Value of STI and LTI Disclosed in 2021 and 2020 Remuneration Reports 

2021 STI Plan 
- Financial conditions (80/100) 
- Over-achievement pool (20/20) 
- Non-financial conditions (20/100) 
- Malus Adjustments (up to 30/100) 
  Total  

2020 STI Plan 
- Financial conditions (50/100) 
- Over-achievement pool (20/20) 
- Non-financial conditions (50/100) 
  Total  

Total Short-Term Incentive PCI 

Tranche FY21 of 2016 LTI Plan 
- Financial conditions (100%) 
- Non-financial conditions (0%) 
  Total 100% 

Tranche FY20 of 2016 LTI Plan 
- Financial conditions (100%) 
- Non-financial conditions (0%) 
  Total 100% 

Tranche FY19 of 2016 LTI Plan 
- Financial conditions (100%) 
- Non-financial conditions (0%) 
  Total 100% 

Tranche 3 (FY18) of 2016 LTI Plan 
- Financial conditions (100%) 
- Non-financial conditions (0%) 
  Total 100% 

Tranche 2 (FY17) of 2016 LTI Plan 
- Financial conditions (100%) 
- Non-financial conditions (0%) 
  Total 100% 

Total LTI Performance Rights 

Total Value of STI and LTI 

$2,600,000 
$750,000 
$650,000 

$4,000,000 

$1,500,000 
$600,000 
$1,500,000 
$3,600,000 

$2,115,575 
- 
$2,115,575 

$1,906,765 
- 
$1,906,765 

$1,423,205 
- 
$1,423,205 

$1,336,000 
- 
$1,336,000 

$1,548,000 
- 
$1,548,000 

100.00% 
100.00% 
87.50% 
15.47% 

100.00% 
100.00% 
92.12% 

80.00 
20.00 
17.50 
(4.64) 
112.86 

50.00 
20.00 
46.06 
116.06 

$2,600,000 
$750,000 
$568,752 
($150,800) 
$3,767,952 

$1,500,000 
$600,000 
$1,381,651 
$3,481,651 

1 Year 

1 Year 

$2,600,000 
$750,000 
$568,752 
($150,800) 
$3,767,952 

- 
- 
- 
- 
- 

 - 
- 
- 

$1,500,000 
$600,000 
$1,381,651 
$3,481,651 

    $3,767,952 

    $3,481,651 

100% 
- 

100% 
- 

$2,115,575 
- 
$2,115,575 

4 Years  
(Yr 1 of 4) 

100% 
- 

100% 
- 

$1,906,765 
- 
$1,906,765 

4 Years 
(Yr 2 of 4) 

100% 
- 

100% 
- 

$1,423,205 
- 
$1,423,205 

4 Years 
(Yr 3 of 4) 

56.6% 
- 

56.6% 
- 

60% 
- 

60% 
- 

4 Years 
(Yr 4 of 4) 

n/a 

$756,177 
- 
$756,177 

$928,800 
- 
$928,800 

 $393,726 
- 
$393,726 

$761,714 
- 
$761,714 

 $753,359 
- 
$753,359 

 $123,456 
- 
$123,456 

- 
- 
- 

- 
- 
- 

$215,312 
- 
$215,312 

$330,980 
- 
$330,980 

$359,118 
- 
$359,118 

$151,371 
- 
$151,371 

$2,032,255 

$1,056,781 

$5,800,207 

$4,538,432 

The total value of STI and LTI expensed in the Income Statement for the 2021 financial year and disclosed in this remuneration report was $5.80 
million compared to $4.54 million expensed in the 2020 financial year, an increase of $1.26 million or 27.8%, relative to the previous year.   
 52 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
  
 
 
 
 
  
 
 
 
 
  
 
 
 
 
  
 
 
 
 
  
 
 
 
 
  
 
 
 
 
  
 
 
 
 
  
 
 
 
 
  
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT — REMUNERATION REPORT (AUDITED) (CONTINUED) 

8. Executive Contractual Arrangements 

Remuneration arrangements for KMP are formalised in employment agreements.  Details of these contracts are below. 

Chief Executive Officer 
The CEO, Ms. K.L. Page is employed under a rolling contract. 
Under the terms of the present contract the CEO’s total potential employment cost is $3,964,550 comprised of:  
• 
• 
• 
CHAIRMAN AND CEO’s REPORT 
The CEO’s termination provisions are as follows: 

fixed remuneration of $2,100,000 per annum; 
maximum STI opportunity in respect of the year ended 30 June 2021 of $1,160,000 (including the 120% over-achievement level); and  
maximum LTI opportunity in respect of the year ended 30 June 2021 of $704,550. 

CEO’s Termination Provisions 

Notice Period 

Payment in Lieu of 
Notice 

Treatment of STI on  
Termination 

Treatment of LTI on  
Termination 

Employer initiated-termination 

5 weeks 

5 weeks 

Pro-rated for time and 
performance 

Board discretion 

Termination for serious misconduct 

None 

None 

Unvested awards forfeited  Unvested awards forfeited 

Employee-initiated termination 

5 weeks 

5 weeks 

Unvested awards forfeited 
subject to board discretion 

Unvested awards forfeited 
subject to board discretion 

Minimum Shareholding Requirement 
There are no minimum shareholding requirements imposed on the CEO.  There is a Benchmark Shareholding Level in respect of the 2021 
STI Plan to determine whether the reward is to be paid as cash or in shares.  The CEO held 19,845,750 shares in the Company at 30 June 
2021 equating to a value of $108.75 million.     

Other KMPs 
All other KMPs have rolling contracts. 

Standard KMP Termination Provisions 

Notice Period 

Payment in Lieu of 
Notice 

Treatment of STI on  
Termination 

Treatment of LTI on  
Termination 

Employer initiated-termination 

4-5 weeks 

4-5 weeks 

Pro-rated for time and 
performance 

Board discretion 

Termination for serious misconduct 

None 

None 

Unvested awards forfeited  Unvested awards forfeited 

Employee-initiated termination 

4-5 weeks 

4-5 weeks 

Unvested awards forfeited 
subject to board discretion 

Unvested awards forfeited 
subject to board discretion 

9. Non-Executive Director Remuneration Arrangements 

Remuneration Policy 
The Board seeks to set aggregate remuneration at a level that provides the consolidated entity with the ability to attract and retain  
directors of the highest calibre, whilst incurring a cost that is acceptable to shareholders. 

The amount of aggregate remuneration sought to be approved by shareholders and the fee structure is reviewed annually against fees 
paid to NEDs of comparable companies.  The Board considers published material from external sources and makes its own enquiries 
when undertaking the annual review process. 

The Company’s constitution and the ASX listing rules specify that the NED fee pool shall be determined from time to time by a general 
meeting.  At the 2020 annual general meeting (AGM) held on 25 November 2020, shareholders approved an increase of $500,000 to the 
aggregate NED pool from $1,000,000 to $1,500,000.   

Structure 
The remuneration of NEDs consists of directors’ fees.  NEDs do not receive retirement benefits, nor do they participate in any incentive 
programs.  Each NED receives a fee for being a director of the Company.  The structure of NED remuneration is separate and distinct from 
executive remuneration.  The remuneration of NEDs for the years ended 30 June 2021 and 30 June 2020 are disclosed in Table 1 on 
page 55 of this report. 

ANNUAL REPORT JUNE 2021 

 53 

 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT — REMUNERATION REPORT (AUDITED) (CONTINUED) 

10. Relationship between Remuneration and the Performance of     
 the Company  

The graphs below illustrate the performance of the Company for the past five financial years and the high level of correlation between 
remuneration and performance.  Correlation is a calculation of the degree of relationship between two items with 100% being strongest 
and 0% being weakest.  Correlation between the indicators of performance and remuneration remain strong.    

CHAIRMAN AND CEO’s REPORT 

 54 

ANNUAL REPORT JUNE 2021 

 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT — REMUNERATION REPORT (AUDITED) (CONTINUED) 

11. Compensation of Key Management Personnel 

Table 1: Compensation of Key Management Personnel Expensed for the Year Ended 30 June 2021  
Directors of Harvey Norman Holdings Limited: 

Short-term benefits 

Post Em-
ployment 

Long Term 
Incentives 

Other 

Perfor-
CHAIRMAN AND CEO’s REPORT 
mance 
Cash  
Incentive 

Salary & 
Fees 

Other 
Short 
Term 

Non-
Monetary 
Benefits 

Superan-
nuation 

Performance 
Rights 

Long 
Service 
Leave (c) 

Total  
Remuneration 

% 
earned 
at risk 

Gerald Harvey 
Executive Chairman 

2021 

2020 

717,906 

682,668 

- 

- 

10,400 

10,400 

- 

- 

21,694 

246,818 

21,003 

144,882 

23,675 

21,694 

670,410 

17,812 

21,003 

325,505 

- 

- 

- 

- 

996,818 

24.8% 

858,953 

16.9% 

3,863,116 

45.6% 

3,320,591 

39.9% 

- 

- 

- 

- 

21,694 

401,781 

20,472 

2,614,241 

51.4% 

21,003 

204,081 

19,459 

2,282,503 

47.1% 

21,694 

401,781 

20,472 

2,614,241 

51.4% 

21,003 

204,081 

19,474 

2,283,418 

47.1% 

42,213 

21,694 

311,465 

14,768 

2,067,503 

53.3% 

43,664 

21,003 

178,232 

14,024 

1,841,101 

50.0% 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

5,205 

4,945 

13,881 

13,187 

19,741 

18,528 

5,784 

13,187 

12,580 

11,951 

8,263 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

60,000 

57,000 

160,000 

152,000 

280,505 

293,088 

66,667 

152,000 

145,000 

137,750 

95,238 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

Kay Lesley Page 
Executive Director/CEO 

2021 

2,054,631 

1,092,706 

2020 

1,958,198 

998,073 

John Evyn Slack-Smith 
Executive Director/COO 

2021 

1,228,306 

941,988 

2020 

1,167,547 

870,413 

- 

- 

- 

- 

David Matthew Ackery 
Executive Director 

2021 

1,210,306 

941,988 

18,000 

2020 

1,150,447 

870,413 

18,000 

886,093 

791,270 

841,426 

742,752 

54,795 

52,055 

146,119 

138,813 

260,764 

274,560 

60,883 

138,813 

132,420 

125,799 

86,975 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

2021 

2020 

2021 

2020 

2021 

2020 

2021 

2020 

2021 

2020 

2021 

2020 

2021 

2020 

Chris Mentis 
Executive Director/CFO 

Michael John Harvey 
Non-Executive Director 

Christopher Herbert Brown 
Non-Executive Director 

Kenneth William  
Gunderson-Briggs 
Non-Executive Director 

Graham Charles Paton (a) 
Non-Executive Director 

Maurice John Craven 
Non-Executive Director 

Luisa Catanzaro (b) 
Non-Executive Director 

Total for the 2021  
Financial Year 

Total for the 2020  
Financial Year 

6,839,198  3,767,952 

28,400 

65,888 

173,924 

2,032,255 

55,712 

12,963,329  44.7% 

6,530,326  3,481,651 

28,400 

61,476 

166,813 

1,056,781 

52,957 

11,378,404  39.9% 

The listed Parent Company, Harvey Norman Holdings Limited, does not have any employees.   

(a) 
(b) 
(c) 

Graham Charles Paton retired on 25 November 2020. 
Luisa Catanzaro was appointed a Non-Executive Director of Harvey Norman Holdings Limited on 25 November 2020.  
Table 1 includes the accrual for long service leave entitlements in respect of the years ended 30 June 2021 and 30 June 2020.   
The Chairman (G. Harvey) and Chief Executive Officer (K.L. Page) do not have a long service leave accrual as they have elected to  
forgo this employee entitlement.         

ANNUAL REPORT JUNE 2021 

 55 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT — REMUNERATION REPORT (AUDITED) (CONTINUED) 

11. Compensation of Key Management Personnel (continued) 

Table 2: Compensation of Key Management Personnel Expensed for the Year Ended 30 June 2021  
Senior Executives of Harvey Norman Holdings Limited: 

Short-term benefits 

Post Em-
ployment 

Other 

CHAIRMAN AND CEO’s REPORT 
Perfor-
mance 
Cash  
Incentive 

Salary & Fees 

Other 
Short 
Term 

Non-
Monetary 
Benefits 

Superan-
nuation 

Termination 
Benefits (f) 

Long  
Service 
Leave (g)  

Total  
Remuneration 

% 
earned 
at risk 

2021 

2020 

2021 

2020 

2021 

2020 

2021 

2020 

2021 

2020 

2021 

2020 

2021 

2020 

2021 

2020 

Thomas James Scott 
GM — Property 

Martin Anderson (e) 
GM – Advertising 

Gordon Ian Dingwall 
Chief Information Officer 

Lachlan Roach 
GM — Home Appliances 

Emmanuel Hohlastos (a) 
GM — Audio Visual 

Glen Gregory (b) 
GM — Technology &  
Entertainment 

Ajay Calpakam (c) 
GM – Audio Visual 

Frank Robinson (d) 
GM — Technology &  
Entertainment 

Total for the 2021  
Financial Year 

Total for the 2020  
Financial Year 

573,159 

573,850 

296,281 

305,271 

511,181 

503,997 

409,306 

409,997 

418,306 

69,833 

422,806 

346,533 

- 

307,496 

- 

121,012 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

9,000 

9,000 

- 

- 

12,000 

9,733 

- 

6,750 

- 

3,750 

- 

- 

21,694 

21,003 

- 

- 

9,553 

9,564 

27,423 

23,422 

33,985 

4,938 

27,543 

22,781 

21,694 

21,003 

21,694 

21,003 

21,694 

5,251 

21,694 

17,035 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

15,752 

32,765 

- 

- 

5,251 

56,300 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

5,088 

8,520 

8,400 

6,822 

6,833 

6,972 

1,164 

7,047 

5,776 

- 

- 

- 

- 

604,406 

604,417 

386,049 

360,683 

541,395 

533,400 

446,822 

446,833 

446,972 

76,248 

463,547 

379,077 

- 

362,763 

- 

186,313 

2,631,039 

-  21,000 

27,423 

131,892 

33,985 

43,852 

2,889,191 

2,637,989 

-  29,233 

27,543 

129,079 

89,065 

36,825 

2,949,734 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

(a) 
(b) 
(c) 
(d) 
(e) 
(f) 
(g) 

Commenced as GM – Audio Visual on 1 May 2020 
Commenced as GM – Technology & Entertainment on 9 September 2019 
Resigned 30 April 2020 
Resigned 30 September 2019 
Retired on 30 June 2021 
This amount represents the cash payment of employee leave entitlements upon resignation or retirement 
This amount represents the accrual for long service leave entitlements in respect of the years ended 30 June 2021 and 30 June 2020 

 56 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT — REMUNERATION REPORT (AUDITED) (CONTINUED) 

12. Additional Disclosures Relating to Options, Performance  
      Rights and Shares 

Options Granted to Executive Directors as Part of Remuneration: 
There were no options granted to any Executive Director during the year ended 30 June 2021.  There were no movements in option  
holdings during the year ended 30 June 2021. 

Options Holdings of Key Management Personnel for the Year Ended 30 June 2021: 
There were no options held by any director or senior executive during the year ended 30 June 2021. 

Table 3: Performance Rights Granted to Executive Directors as Part of Remuneration: 
CHAIRMAN AND CEO’s REPORT 
The table below discloses the number of performance rights granted to Executive Directors as remuneration during the year ended 30 
June 2021 as well as the number of performance rights that vested, were exercised or lapsed during the year.  Performance rights do not 
carry any voting or dividend rights and can be exercised once the vesting conditions have been met until their expiry date.   

Performance Rights 
Granted as  
Remuneration During 
the Year (a) 

Performance Rights 
Vested During the Year  
(b) 

Performance Rights 
Lapsed During the 
Year (b) 

Unvested Performance 
Rights at 30 June 2021 
(c) 

Performance Rights  
Exercised During the 
Year  

Number 
Granted 

Fair Value 
Granted $ 

Number 
Vested 

Fair Value 
Vested $ 

Number 
Lapsed 

Fair Value 
Lapsed $ 

Number 
Unvested 

Fair Value 
Unvested $ 

Number 
Exercised 

Fair Value 
Exercised $ 

Gerald Harvey 

65,500 

$252,175 

35,375 

$118,153 

27,125 

$90,597 

196,500 

$649,105 

35,375 

$118,153 

Kay Lesley Page 

183,000 

$704,550 

63,675 

$212,675 

48,825 

$163,075 

549,000 

$1,813,530 

63,675 

$212,675 

John Evyn Slack-
Smith 

David Matthew 
Ackery 

109,000 

$419,650 

42,450 

$141,783 

32,550 

$108,717 

327,000 

$1,080,190 

42,450 

$141,783 

109,000 

$419,650 

42,450 

$141,783 

32,550 

$108,717 

327,000 

$1,080,190 

42,450 

$141,783 

Chris Mentis 

83,000 

$319,550 

42,450 

$141,783 

32,550 

$108,717 

249,000 

$822,530 

42,450 

$141,783 

Total 

(a) 

(b) 

(c) 

549,500 

$2,115,575  226,400 

$756,177  173,600 

$579,823  1,648,500 

$5,445,545 

226,400 

$756,177 

A total of 549,500 performance rights under Tranche FY21 of the 2016 LTI Plan were granted to Executive Directors on 4  
December 2020.  The performance rights were independently valued by Mercer Consulting (Australia) Pty Limited at grant date with a 
fair value of $3.85 per entitlement on 4 December 2020, based on a share price of $4.66, resulting in a total fair value of Tranche FY21 
performance rights of $2,115,575 in aggregate. 
On 1 January 2021, 226,400 performance rights representing 56.6% of Tranche 3 of the 2016 LTI Plan vested after all financial  
conditions and service conditions were satisfied.  On that same day, 173,600 performance rights representing 43.4% of Tranche 3 of 
the 2016 LTI Plan lapsed and will never be exercisable by the participants.  On 6 January 2021, 191,025 performance rights under 
Tranche 3 of the 2016 LTI Plan were exercised and on 26 March 2021, a further 35,375 performance rights under Tranche 3 were  
exercised, reducing the unissued ordinary shares under Tranche 3 of the 2016 LTI Plan to nil. 
As at 30 June 2021, a total of 1,648,500 performance rights were outstanding, unvested and not capable of exercise comprised of:  
i. 
ii. 
iii. 

549,500 performance rights under Tranche FY19 of the 2016 LTI Plan (FY2019);  
549,500 performance rights under Tranche FY20 of the 2016 LTI Plan (FY2020); and  
549,500 performance rights under Tranche FY21 of the 2016 LTI Plan (FY2021). 

Table 4: Performance Rights of Key Management Personnel for the Year Ended 30 June 2021 
The table below discloses the number of performance rights granted to Executive Directors as remuneration during the year ended 30 
June 2021 as well as the number of performance rights that vested, were exercised or lapsed during the year.  Performance rights do not 
carry any voting or dividend rights and can be exercised once the vesting conditions have been met until their expiry date.   

1 July 2020 
Balance at begin-
ning of the year 

Granted as 
Remuneration 

Performance 
Rights  
Exercised 

Performance 
Rights 
Lapsed 

30 June 2021 
Balance at end 
of the year 

Due for Vesting during the year  
ended 30 June 2021 

Total  

Exercised 

Lapsed 

Gerald Harvey 

193,500 

65,500 

(35,375) 

(27,125) 

196,500 

62,500 

35,375 

27,125 

Kay Lesley Page 

478,500 

183,000 

(63,675) 

(48,825) 

549,000 

112,500 

63,675 

48,825 

John Evyn Slack-Smith 

293,000 

109,000 

(42,450) 

(32,550) 

327,000 

75,000 

42,450 

32,550 

David Matthew Ackery 

293,000 

109,000 

(42,450) 

(32,550) 

327,000 

75,000 

42,450 

32,550 

Chris Mentis 

241,000 

83,000 

(42,450) 

(32,550) 

249,000 

75,000 

42,450 

32,550 

Total 

1,499,000 

549,500 

(226,400) 

(173,600) 

1,648,500 

400,000 

226,400 

173,600 

ANNUAL REPORT JUNE 2021 

 57 

 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT — REMUNERATION REPORT (AUDITED) (CONTINUED) 

12. Additional Disclosures Relating to Options, Performance Rights and Shares (continued) 
Table 4: Performance Rights of Key Management Personnel for the Year Ended 30 June 2021 (continued) 

Apart from the KMPs disclosed above, comprised of the Executive Directors of the Company, each of the Non-Executive Directors or  
senior executives of the Company did not have any performance rights during the year ended 30 June 2021. 

(b) 

The closing balance of the performance rights in the Company of 1,648,500 as at 30 June 2021 is comprised of: 
(a) 

549,500 performance options under Tranche FY19 of the 2016 LTI Plan (FY19) at a fair value at grant date of $2.59 to vest on  
31 December 2021.  The FY19 Tranche is exercisable between 1 January 2022 and 30 June 2024. 
549,500 performance options under Tranche FY20 of the 2016 LTI Plan (FY20) at a fair value at grant date of $3.47 to vest on  
31 December 2022.  The FY20 Tranche is exercisable between 1 January 2023 and 30 June 2025. 
Granted as remuneration during the 2021 financial year: 549,500 performance options under Tranche FY21 of the 2016 LTI Plan 
(FY21) at a fair value at grant date of $3.85 to vest on 31 December 2023.  The FY21 Tranche is exercisable between 1 January 
2024 and 30 June 2026.  

CHAIRMAN AND CEO’s REPORT 
(c) 

Table 5: Shareholdings/Relevant Interests of Key Management Personnel for the Year Ended 30 June 2021 

1 July 2020 
Balance at Beginning 
of the Year 

On Exercise of  
Performance Rights 
(a) 

Net Change Other (b)  

30 June 2021 
Balance at End of  
the Year 

Gerald Harvey 

Kay Lesley Page 

John Evyn Slack-Smith 

David Matthew Ackery 

Chris Mentis 

Michael John Harvey 

392,160,265 

19,772,685 

1,101,443 

641,021 

1,118,847 

3,335,180 

Christopher Herbert Brown 

205,525,565 

Kenneth William Gunderson-Briggs 

Graham Charles Paton 

Maurice John Craven 

Luisa Catanzaro 

KMP: Senior Executives 

Thomas James Scott 

Lachlan Roach 

10,059 

17,582 

30,673 

- 

10,000 

10,000 

35,375 

63,675 

42,450 

42,450 

42,450 

- 

- 

- 

- 

- 

- 

- 

- 

225,000 

392,420,640 

9,390 

19,845,750 

- 

- 

- 

- 

- 

- 

(17,582) 

- 

- 

- 

- 

1,143,893 

683,471 

1,161,297 

3,335,180 

205,525,565 

10,059 

- 

30,673 

- 

10,000 

10,000 

Total 

(a) 

623,733,320 

226,400 

216,808 

624,176,528 

On 4 January 2021, the Company announced that 226,400 performance rights, representing 56.6% of the performance rights 
issued in accordance with Tranche 3 of the 2016 LTI Plan, had vested and was exercisable from 1 January 2021.   
On 4 January 2021, the Company announced that 173,600 performance rights, representing 43.4% of the performance rights 
issued in accordance with Tranche 3 of the 2016 LTI Plan, had lapsed on 1 January 2021 and will never be exercisable by the 
participants.  The consolidated entity acquired 226,400 shares in the Company via an ‘on-market trade’ at an average price of 
$4.68 per share for the purposes of satisfying the entitlements of each Executive Director to the performance rights in respect 
of Tranche 3 of the 2016 LTI Plan.   

(b) 

The ‘Net Change Other’ column discloses the number of shares acquired by each Director of the Company via an ‘on-market 
trade’ in accordance with the prevailing market conditions on the ASX at the time of the transaction.  These trades were on no 
more favourable terms and conditions than those that would be reasonably expected of an arm’s length transaction.  The  
reduction in the shareholding of Graham Charles Paton relates to the removal of disclosures as Mr. Paton is no longer a NED 
as at 30 June 2021 (retired on 25 November 2020).   

 58 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT — REMUNERATION REPORT (AUDITED) (CONTINUED) 

13. ‘Take-Home Pay’ for KMP Directors of the Company  

The below table shows the ‘take-home pay’ for each director of the Company, representing the benefits paid to each director during the  
year ended 30 June 2021, or as soon as practicable after that date.   

Total ‘take-home pay’ for the directors of the Company amounted to $11.35 million for the year ended 30 June 2021.  The total value of  
remuneration expensed for directors of the Company in respect of the 2021 financial year was $12.96 million (refer to Table 1 on  
page 55 of this report).   

For the 2021 financial year, total ‘take-home pay’ was $1.62 million lower than the value of remuneration expensed to the income statement.   

CHAIRMAN AND CEO’s REPORT 
KMP:  
Board of Directors 

Salary & 
Fees 

Other 
Short 
Term 

Non-
Monetary 
Benefits 

Superan-
nuation 

Short-term 
Performance 
Cash  
Incentive (a) 

Exercise of 
Tranche 2 
2016 LTI 
Plan 

Exercise of 
Tranche 3 
2016 LTI 
Plan (b) 

FY2021 
Total Take-
Home Pay 

FY2020 
Total Take-
Home Pay 

Gerald Harvey 

717,906 

10,400 

- 

21,694 

- 

Kay Lesley Page 

2,054,631 

John Evyn Slack-Smith 

1,228,306 

- 

- 

David Matthew Ackery 

1,210,306 

18,000 

23,675 

21,694 

998,073 

- 

- 

21,694 

870,413 

21,694 

870,413 

42,213 

21,694 

742,752 

- 

- 

- 

- 

- 

- 

5,205 

13,881 

19,741 

5,784 

12,580 

8,263 

- 

- 

- 

- 

- 

- 

886,093 

54,795 

146,119 

260,764 

60,883 

132,420 

86,975 

- 

- 

- 

- 

- 

- 

- 

6,839,198 

28,400 

65,888 

173,924 

3,481,651 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

118,153 

868,153 

859,196 

212,675 

3,310,748 

2,983,118 

141,783 

2,262,196 

1,996,970 

141,783 

2,262,196 

1,997,870 

141,783 

1,834,535 

1,623,903 

- 

- 

- 

- 

- 

- 

60,000 

57,000 

160,000 

152,000 

280,505 

293,088 

66,667 

152,000 

145,000 

137,750 

95,238 

- 

756,177 

11,345,238 

Chris Mentis 

Michael John Harvey 

Christopher Herbert 

Kenneth William  
Gunderson-Briggs 

Graham Charles Paton 

Maurice John Craven 

Luisa Catanzaro 

Total Take-Home Pay 
2021 Financial Year 

Total Take-Home Pay 
2020 Financial Year 

6,530,326 

28,400 

61,476 

166,813 

2,537,080 

928,800 

- 

-  10,252,895 

(a) 

(b) 

The short-term incentive of $3.48 million represented the payment of the 2020 STI Plan that was earned in respect of the 2020 
financial year, and was paid to Executive Directors in September 2020. 
The aggregate fair value of the performance rights exercised during the 2021 financial year was $756,177, calculated at a fair value 
of $3.34 per right multiplied by 226,400 performance rights exercised.     

14. Other Matters for Disclosure 

The previous AGM of the Company was held on 25 November 2020.   
• 

The Company received 519.24 million votes for the adoption of the 2020 Remuneration Report representing 92.5% of the 561.35 
million shares that were eligible to vote on that resolution.  A total of 684.65 million shares were ineligible to vote on the adoption 
of the 2020 Remuneration Report as the shares were held by KMPs or their related parties.  The vote against the  
Remuneration Report represented 7.5% of the eligible votes and 3.3% of the shares on issue. 

The following improvements were made to the remuneration framework for Executive Directors informed by the independent  
remuneration expert: 
• 

The performance conditions for the 100% short term incentive pool were changed from being 50% as to financial conditions and 
50% as to non-financial conditions, to be 80% as to financial conditions and 20% as to non-financial conditions. 
A malus or business modifier reduction of up to 30% of the 100% achievement pool was introduced for non-achievement of  
further non-financial conditions. 

• 

In combination, this increases the overall difficulty of achieving maximum STI outcomes with up to 30% contingent on achieving both  
financial performance and business modifier (non-financial) outcomes as opposed to only achieving non-financial performance in prior 
years.   

15. Loans to Key Management Personnel and their Related Parties 

There were no loans granted to key management personnel and their related parties during the year ended 30 June 2021 (2020: nil).  
There were no loans outstanding from key management personnel and their related parties as at 30 June 2021 (2020: nil). 

ANNUAL REPORT JUNE 2021 

 59 

 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT — REMUNERATION REPORT (AUDITED) (CONTINUED) 

16. Other Transactions and Balances with Key Management  
Personnel and their Related Parties  

(i) Lease of business premises from Ruzden Pty Limited 

CHAIRMAN AND CEO’s REPORT 

The consolidated entity leases business premises at Bundall, Queensland from Ruzden 
Pty Limited.  Mr G. Harvey, Ms K.L. Page, Mr M.J. Harvey and I.J. Norman Nominees Pty 
Limited (C.H. Brown) have an equity interest in Ruzden Pty Limited.  The lease  
arrangements were approved by shareholders in the General Meeting held 25 May 
1993, and in the General Meeting held 31 August 1999.  The lease is subject to normal 
commercial terms and conditions.  Lease payments and outgoings made by the  
consolidated entity to Ruzden Pty Limited was:  

(ii) Legal fees paid to a director-related entity 

CONSOLIDATED 

June 2021 
$ 

June 2020 
$ 

5,334,262 

5,231,401 

Legal fees were paid to the firm of which Mr C.H. Brown is a partner for professional 
services rendered to the consolidated entity in the normal course of business.  

2,731,330 

3,090,533 

(iii) Other income derived by related entities of key management personnel 

Certain franchises are operated by entities owned or controlled by relatives of key 
management personnel under normal franchisee terms and conditions.  Aggregated 
net income derived by entities owned or controlled by relatives of key management 
personnel was:  

2,064,758 

2,647,890 

(iv) Perth City West Complex 
Gerald Harvey has a 50% equity interest and a subsidiary of Harvey Norman Holdings Limited has a 50% equity interest in the Perth 
City West Property.  The property was subject to a lease of part of the property in favour of a subsidiary of Harvey Norman Holdings 
Limited (the "P.C.W. Lessee").  Gerald Harvey is entitled to one-half of the lease payments and outgoings paid by the P.C.W. Lessee. 
The amount of lease payments and outgoings paid by the P.C.W. Lessee to Gerald Harvey and the subsidiary of Harvey Norman 
Holdings Limited for the year ended 30 June 2021 was $1.01 million (2020: $0.74 million).  Each of the above transactions were  
executed under terms and conditions no more favourable than those which it is reasonable to expect would have applied if the 
transactions were at arm’s length.  

(v) Gepps Cross Home HQ 
By a contract for sale dated 18 December 2007, a subsidiary of the Company (“HNHL G.C. Entity”) and Axiom Properties Fund  
Limited (“G.C. Co-Owner”) purchased land located in Gepps Cross, South Australia (“G.C. Land”) in equal shares as tenants in  
common, for the purpose of constructing and subsequently managing a retail complex on the G.C. Land (“the Gepps Cross Joint 
Venture”).  In November 2009, the HNHL G.C. Entity and the G.C. Co-Owner granted a lease of part of the G.C. Land and retail  
complex to a subsidiary of the Company (“G.C. Lessee”) on arm’s length commercial terms (“G.C. Lease”).  In August 2010, the G.C. 
Co-Owner informally advised the Company that the G.C. Co-Owner intended to dispose of its interest in the Gepps Cross Joint  
Venture, triggering first and last rights of refusal in the HNHL G.C. Entity.  At a meeting of the Company held 26 August 2010, it was 
resolved that the Company not purchase the share of the G.C. Co-Owner in the Gepps Cross Joint Venture (including G.C. Land).  
On 6 October 2010, the HNHL G.C. Entity formally waived the right to purchase the interest of the G.C. Co-Owner in the Gepps 
Cross Joint Venture (including the G.C. Land).   

By a contract for sale dated 23 December 2010, GH Gepps Cross Pty Limited, an entity associated with Gerald Harvey (“Gerald  
Harvey Entity”) and MJH Gepps Cross Pty Limited, an entity associated with Michael Harvey (“Michael Harvey Entity”) and, M&S 
Gepps Cross Pty Limited, purchased the one-half share as tenants in common of the G.C. Co-Owner in the G.C. Land and retail  
complex.  The sale was subject to the G.C. Lease.  In the financial statements of the consolidated entity, the day-to-day management 
of the Gepps Cross Joint Venture has been accounted for as equity accounted investment as disclosed in Note 27.  The Gerald  
Harvey Entity is entitled to one-quarter of the lease payments and outgoings paid by the G.C. Lessee.  The Michael Harvey Entity is 
entitled to one-eighth of the lease payments and outgoings paid by the G.C. Lessee.  The application of AASB 16 Leases resulted in 
the recognition of a lease liability of $18.42 million by the G.C. Lessee as at 30 June 2021 (2020: $18.98 million).  The amount of 
lease payments and outgoings paid by the G.C. Lessee to the Gepps Cross Joint Venture for the year ended 30 June 2021 was $3.48  
million (2020: $3.41 million).   

Each of the above transactions were executed under terms and conditions no more favourable than those which it is reasonable to 
expect would have applied if the transactions were at arm’s length. 

 60 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
   
 
 
 
 
   
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

ENVIRONMENT, SOCIAL & GOVERNANCE (ESG) REPORT 

Our Approach 

At Harvey Norman Holdings Limited (the consolidated entity), we are part of the wider community and aspire to make a positive impact 
within each community that our company-operated stores operate in across 7 countries.  Each Australian Harvey Norman®, Domayne® 
and Joyce Mayne® franchisee is also committed to making a positive impact in the community in which they carry on business.  The  
consolidated entity, and our franchisees, are committed to diversity and inclusion, environmental responsibility and a sustainable future. 

The consolidated entity has established a new Executive Sustainability Committee to determine ESG-related strategy, assess corporate 
ESG risks and monitor ESG performance across our global operations.  
CHAIRMAN AND CEO’s REPORT 
Our Board of Directors, alongside management, has a business strategy that supports responsible decision making and sustainable  
long-term value creation.  The Code of Conduct of the consolidated entity reinforces our commitment to honest, fair and transparent 
business practices, and outlines the standards of behaviour expected of all our employees globally and of our franchisees in Australia. 

As this report outlines, we are committed to and well advanced in terms of diversity and inclusion, as well as our other “people” related 
ESG initiatives.  In particular, this financial year, the consolidated entity is pleased to have achieved gender balance (based on 40:40:20) 
in both our global workforce (of which over 45% are women), and our global senior executive teams, with women now holding 40% of 
our senior executive roles.  This is up on last year’s results of 35%.   

We are at the start of our journey to disclose climate-related risks and opportunities informed by the Task Force on Climate-Related  
Financial Disclosures (TCFD) framework.  This task will take time to achieve as we build capacity, update internal processes, explore and 
quantify the financial risk of climate change and, design and report on decision useful metrics and targets. 

Today, we report on the sustainability issues most relevant to the consolidated entity and our value chain.  

Statement of Values 

Values set out in this statement below are the embodiment of what the consolidated entity stands for and are the basis  
for the behaviour of the enterprise and its employees.  These values underpin the culture of the consolidated entity.   
We recognise that behaviour cannot be prescribed or legislated.  The culture of any organisation needs to reflect its values.   

The Board will regularly test whether our culture in practice reflects the values articulated in this statement.  These values guide how the 
consolidated entity will interact with anyone engaging with us, including colleagues, customers, shareholders, suppliers, independent 
franchisees and the community generally.  

Integrity  We comply with the law and develop systems that make it easy for our colleagues to comply with the law.  We act honestly, 
ethically and with integrity.  We do not mislead or deceive people.  

Humanity  We treat all people with respect.  We are tolerant of differences in ethnicity, religion, gender, sexuality, physical and  
intellectual ability.  We are patient when cultural misunderstandings arise.  We are inclusive and collaborative.  We recognise that  
sometimes genuine people make honest mistakes.  

Authenticity  We are authentic. We stand up for the things we believe in. We deliver on our promises. We value honesty, candour and 
frankness.  We will act fairly.  

Optimism  We are optimistic.  We are passionate about what we do.  We search for opportunity and manage risk.  We recognise that our 
environment is constantly evolving.  We innovate with product and technology.  We believe we can all keep learning – and learn from our 
failures as well as our successes.  

Responsibility  We are part of a wider community.  We aspire to make a positive impact within each community that we conduct  
business.  We are committed to environmental responsibility and a sustainable future.  We are proud that we can create jobs and  
opportunities for people in countries in which we operate.  

People 

Our people are the greatest asset of Harvey Norman®, 
and are central to the success of our business strategy and  
realisation of our Vision. 

We recognise that having an engaged, invested, and productive workforce is not only important for our business success, but also for 
the wellbeing of the over 6,000 individuals that work for us globally.  Our business is strong because our people are strong. 

ANNUAL REPORT JUNE 2021 

 61 

 
 
 
 
 
 
   
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

ENVIRONMENT, SOCIAL & GOVERNANCE (ESG) REPORT (CONTINUED) 

People (continued) 

With an average employee tenure in Australia of over seven years, our people often tell us that our strong family culture, innovative  
development opportunities, and working alongside our good, honest and knowledgeable people every day, are key contributing factors 
to their decision to work for the consolidated entity. 

We constantly look for ways to improve our attraction, development, recognition and retention strategies as a means to continue  
building our talent pipelines, encouraging innovation and entrepreneurship, and maximising success and results for our individual  
company team members. 

Response to COVID-19 
CHAIRMAN AND CEO’s REPORT 
The ongoing impacts of COVID-19 felt across our global operations in FY2021 and into FY2022 have reinforced our commitment to 
maintaining an environment where our people, and our franchisees and their staff, can work safely and customers can shop safely. 

The Incident Management Team of the consolidated entity has communicated regularly to each team member to recommend and  
enable swift and decisive actions in response to the evolving risks and Government restrictions experienced across many of the different  
countries and jurisdictions in which we, and our franchisees, operate.  The learnings gained from our overseas responses to the  
emerging Delta variant meant that we were ready to rapidly respond when the Delta variant arrived in Australia. 

COVID-safe practices implemented since March 2020 were further refined in FY2021.  Each franchisee focused on safety controls at their 
franchised complex including: 
• 
• 
• 
• 
• 
• 

Personal protective equipment  
Personal hygiene protocols  
Sanitisation practices  
COVID-19 employee training 
Physical distancing measures  
Shop Smart and Shop Safe customer offerings (including Contactless Click and Collect, and Contactless Delivery). 

Along with physical safety, psychological wellbeing has also been an ongoing focus for us during FY2021 as employees, and franchisees 
and their staff, dealt and continue to deal with varying levels of personal and work impacts due to COVID-19.  Our overseas stores  
continued to engage with and support their teams in order to maintain connections to each other, particularly during periods of  
lockdowns.  Franchisees in Australia have found new and innovative ways to support their staff and remain connected to their  
businesses during Government-mandated periods of lockdowns or other precautionary measures taken to keep their staff and  
customers safe. 

Franchisees and their staff have undertaken a range of training and education opportunities in health and safety throughout the year,  
including continuous refresher training on various Work Health and Safety (WHS) focus areas, and completion of Family and Domestic 
Violence Contact Officer training for nominated employees.  The consolidated entity also undertook a range of training and education 
opportunities to keep their employees well-informed and safe. 

During FY2021 we continued work on the development of our renewed Health and Safety Framework and Strategy that will improve 
and mature the governance, oversight and alignment of our global health and safety initiatives and outcomes.  This work will continue 
into FY2022.  

Diversity and Inclusion  
The consolidated entity continues to be an inclusive place to work that is representative of the customers and communities in which we, 
and our franchisees, carry on business.  The consolidated entity is a member of the Diversity Council of Australia. 

We promote an inclusive environment throughout our global operations in which all colleagues are able to be themselves at work, feel 
valued for their contribution and are supported to perform their best.  The goal is to continue to reinforce this reputation and position.   
We are passionate about supporting the creation of employment opportunities and promoting the development and training of  
employees from diverse backgrounds and experiences, to grow and strengthen our talent pool of future leaders.  Based on disclosed 
information by its employees, the consolidated entity in Australia is fortunate to have a workforce that is diverse in background, with  
employees self-identifying from over 40 different cultural backgrounds.   

Employee engagement is important to our success as a business.  Each year we conduct an employee engagement survey in Australia 
that provides actionable, anonymised reports at a team level.  While this year’s survey in Australia could not be completed in full due to 
COVID-19 lockdowns and challenges, our New Zealand employees completed the survey with positive results showing: 
• 
• 
• 
 62 

92% of respondents feel safe at work 
87% of respondents enjoy their role 
87% of respondents feel like they are part of a team.  

ANNUAL REPORT JUNE 2021 

 
 
 
 
  
 
 
 
   
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

ENVIRONMENT, SOCIAL & GOVERNANCE (ESG) REPORT (CONTINUED) 

People (continued) 
Diversity and Inclusion (continued) 

Harvey Norman® has always been a supporter of women in sports and in the community, and this support is no different when it comes 
to supporting the women that will or do work for us.   

Led by Katie Page, our Chief Executive Officer for the past 22 years, who is one of only 10 female CEOs in ASX 200 companies (5% of 
total), conversations and active strategies to build the visible representation of women in leadership across the consolidated entity, and a 
strong talent pipeline globally, has always been part of our day-to-day.  

Achievements towards Gender Balance  
CHAIRMAN AND CEO’s REPORT 
Following year-on-year improvements, we are pleased to report continued growth in female representation in our Senior Executive roles 
in FY2021, with women now making up 40% of our Global Senior Executives (up from 35% in FY2020).  This is an achievement that 
brings the consolidated entity to a gender balance within our most senior roles. 

The breakdown of the HNHL Board and the Group as a whole by gender as at the end of FY2021 was:  

30 JUNE 2021 

Chair and CEO 

Board 

Senior Executives 

All Employees 

Male 

1 

8 

90 

Number 

Female 

1 

2 

60 

3,617 

2,923 

The breakdown at the end of FY2020 was:  

30 JUNE 2020 

Chair and CEO 

Board 

Senior Executives 

All Employees 

Male 

1 

9 

92 

Number 

Female 

1 

1 

50 

3,430 

2,798 

Total 

2 

10 

150 

6,540 

Total 

2 

10 

142 

6,228 

Percentage 

Female 

50% 

20% 

40% 

45% 

Percentage 

Female 

50% 

10% 

35% 

45% 

Male 

50% 

80% 

60% 

55% 

Male 

50% 

90% 

65% 

55% 

With 45% of our global workforce made up of women, the consolidated entity is proud to have a diverse, talented employee  
population from which to draw from and develop its future leaders, and we are committed to continuing the support and development 
of women into the future.  

Over the past 12 months we also have implemented several activities to further enhance our already high level of diversity and  
inclusion, including:   
• 
• 

Ongoing Development of our Discrimination, Harassment and Workplace Bullying Prevention Policy 
Recognition of Harvey Norman® Ireland in FY21 for the 4th year running as one of the top 20 Best Workplaces™, and Best  
Workplaces™ for Women, by Great Place To Work® Institute 
Inaugural Life @ Work Engagement Survey completed by Harvey Norman New Zealand to gain insights into the views of  
employees 
Refined employee feedback mechanisms in Australia including informal and formal channels such as employee exit interviews 
and pulse snapshots, to inform strategies 
Celebrated our long history of encouraging and supporting Australian women through a sponsorship program celebrating the 
next generation of women and girls in Sport, Education, Employment & Innovation  
Created diversity focused projects such as our “Taste of Harmony” family recipes & associated stories e-book  
Participation in National Reconciliation Week  
Acting as naming rights partner for two prestigious Women of the Year awards; Gold Coast Bulletin’s Women of the Year 2021 
and NSW Women of the Year 2021. 

• 

• 

• 

• 
• 
• 

Our key priorities for the next 12 months include:  
• 

Continue to proactively monitor gender balance outcomes within different levels of the organisation and within our different 
teams, including Senior Executive positions 
Proactive engagement with colleagues to increase knowledge of Diversity & Inclusion in the workplace, such as webinars, 
events, and videos from business leaders 
Review and consider our Flexible Work Policy and Parental Leave Policy. 

• 

• 

ANNUAL REPORT JUNE 2021 

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C O M M U N I T Y   &   PA R T N E R S H I P S   

With 192 franchised complexes in Australia, independently operated by 539 franchisees, and 107 company-operated 
stores in 7 countries across the globe, the Harvey Norman® brand is a truly international business. Harvey Norman® has 
always felt a strong connection to community – both on local and national levels – forming a symbiotic relationship of 
mutual strength and support.   

It is times like these that reinforce the importance of giving back and supporting each local community, and this is something that 
Harvey Norman® has been doing since its establishment in 1982.

I N I T I AT I V E S   I N   2 0 2 1 : 

Good360

Harvey Norman® continued the working partnership with 
Good360 to help distribute goods to those in need. Good360 
help ensure individuals facing challenging life circumstances are 
able to get the goods they need – this includes flood affected 
communities as well as those still rebuilding their homes after 
last year’s bushfires or struggling due to the pandemic. To date, 
Harvey Norman® has donated a variety of goods - covering 
everything from fridges and washing machines to beds and 
furniture - to help ensure these communities can get back on  
their feet.

Our Town - Sky News 

Harvey Norman® continued their 
partnership with Sky News and the 
Paul Murray Live program to stage 
a series of monthly Our Town 
shows shining a light on regional 
Australia. These shows raised 
awareness and helped support 
regional organisations and causes 
such as food manufacturers, 
thoroughbred farms, frontline 
health workers, disadvantaged 
multicultural Australian youth, 
emergency food relief, grassroots 
rugby league and female 
participation and much more. 

Sydney Zoo 

In 2021, Harvey Norman® collaborated with Sydney Zoo to 
enable every Year 2, NSW Public School student the opportunity 
to receive a FREE self-guided school excursion. Students 
also learned about conservation and were immersed into 
the Indigenous Australian culture, as part of the Bungarribee 
Dreaming Experience!

The new Sydney Zoo is a world-class zoo in the heart of Western 

Sydney and aims to create an amazing experience for the local 
and international community. With clever habitat design, Sydney 
Zoo provides an experience that is more immersive and engaging 
than traditional zoos.

The Harvey Norman® Amphitheatre has seen over 25,000  
attendees and 140 shows and events including Aboriginal cultural 
talks, keeper talks and NAIDOC week presentations to thousands  
of families in NSW. 

Katie Page & 
Gerry Harvey 
at the new 
Sydney Zoo

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M O B I L E

ENVIRONMENT, SOCIAL & GOVERNANCE (ESG) REPORT (CONTINUED)

Boys to 
the Bush 
mentoring 
program

Boys to the Bush

Boys to the Bush (BTTB) offers a variety of mentoring 
programs to assist disengaged, disadvantaged or ‘at risk’ 
youth. In 2020, on our Paul Murray Live visit to Albury,  
Harvey Norman® donated to Boys to the Bush and covered 
the cost of a camp of 15 disadvantaged young boys. The 
aim of the camps is to give the young men an opportunity to 
escape their current environment, surround them with positive 
adult influences, teach them new skills, experience life on a 
farm and to also give them the opportunity to connect and 
belong to something.

The camp supported by Harvey Norman® was held on a 
property 40km south of Forbes and was made up of 15 young 
men who came together for 4 memorable days. Some of 
the boys were winners of an online competition which BTTB 
conducted whilst the majority were nominated by Out of 
Home Care service providers. The participants came from all 
over NSW, including regional areas such as Leeton, Dubbo, 
Bathurst, Wagga Wagga, Forbes, Parkes, Peak Hill and Albury. 

Sir Roden & Lady Cutler Foundation (SRLCF)

Harvey Norman® are proud partners of Sir Roden & Lady Cutler 
Foundation’s FREE Patient Transport Service with a total of 7 years 
commitment to the foundation. 

Established in 1999 the foundation honours a great Australian and 
humanitarian. Sir Arthur Roden Cutler VC was the longest serving 
Governor of NSW and a recipient of the Victoria Cross award, 
serving fellow Australians and providing for the most vulnerable 
in the community. The foundation has grown rapidly to meet 
an important community need through its free medical patient 
transport service.

The SRLCF is a self-funded organisation and relies on the support 
of the local community, sponsors, donors and volunteers.

The SRLCF currently has 9 cars in its fleet, 2 of them with 

wheelchair access, servicing Sydney’s CBD, Eastern Suburbs, 
South, Inner West, South West, North, West and Hills District.

Patient Transport proudly sponsored by Harvey Norman®  
have successfully made a total of 5,218 free trips this year! 

Unfortunately, the service has been placed on hold due to the 
current situation however, the incredible volunteers are dedicated 
to ensure their clients are not forgotten by adopting the ‘Buddy 
Program’ and making weekly calls to check in on each other 
during this difficult time.

Harvey Norman® proudly sponsor the SRLCF Annual Golf Day 
and this year’s event was yet again a fantastic success with over 
$30,000 after costs raised towards the foundation’s unique and 
free community medical transport service. A record 140 people 
attended the event and luncheon at the prestigious  
Concord Golf course.

Lady Cutler 
presenting 
the SRLCF 
Annual Golf 
Day Trophy

ANNUAL REPORT JUNE 2021

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PA R A LY M P I C S   A U S T R A L I A   PA R T N E R S H I P 

Harvey Norman® is proud to partner with Paralympics Australia and also support the AUS Squad, 
the official cheer squad of the Australian Paralympic Team. Featuring talented athletes across all 
disciplines, the Australian Paralympic Team are an inspiring force in the community, and Harvey 
Norman® is proud to provide support on their journey to achievement. 

Against unprecedented odds amid the massive disruption caused 
by the COVID pandemic from early 2020 in the lead up to Tokyo 
2020, Australia’s elite Para-athletes won 80 medals to finish sixth 
on the overall medal tally and 21 gold to come eighth on the gold 
medal count.

The Australian Paralympic Team produced perhaps the most 
courageous and successful campaign in the nation’s 61-year 
Games history with not only an exceptional medal count but also 

records broken on a world stage and countless awe-inspiring 
performances that lifted the many Australians watching back home 
and made incredible progress for the Paralympic movement. 

In 2021, Harvey Norman® worked closely with Paralympics 
Australia to develop an Employment Initiative for Para-
athletes. The initiative aims to connect Para-athletes looking for 
employment with opportunities in local stores across the country 
as well as corporate roles in administration offices.  

Katie Kelly 
Paralympian Tokyo 2020 
Paralympic Games

Harvey Norman®  
Brand Ambassador 
Picture: Chris Chen

Athlete Profile: Katie Kelly  

Harvey Norman® have been proud partners of Katie Kelly and 
her Paratriathlon journey since her Gold at Rio 2016 and have 
continued to support Katie to the Tokyo 2020 Paralympic Games.

Katie Kelly competed in the Para-Triathlon race in Tokyo, where 
she pushed right through to the very end to come away with an 
incredible 6th place!

The PTVI (para-triathlon vision impaired) category in which Katie 
competes means she does the entire race with a guide. For 
the swim and run, they are tethered together with a short rope 
clipped to their clothing. For the cycling leg, they ride a tandem 
bike, with the guide taking the front seat.

We are proud of the way she used her platform after winning in 
Rio. Rather than indulge herself, she wondered how she could 
help others. Not long after that great day on Copacabana Beach 
in Rio, she set up Sport Access Foundation, which raises money to 
provide grants to help people with a disability access sport, with 
which Harvey Norman® are also proud partners.

Whatever the 
future holds 
for Katie, she 
will forever be 
Australia’s first 
Triathlon gold 
medallist at a 
Paralympic Games.

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M O B I L E

ENVIRONMENT, SOCIAL & GOVERNANCE (ESG) REPORT (CONTINUED)

In its third year, there were over 100 Gold 
Coast women nominated across seven 
categories - from entrepreneurs and 
mentors to champions of sport, 
entertainers, education and young 
women – in an event that recognises 
and celebrates the inspiring, 
influential and innovative women 
living and working on Queensland’s  
Gold Coast. 

2021 Winner, Support the Girls 
Founder Jane Holmes, aims to 
lift up the plight of marginalised, 
disenfranchised women, particularly in 
regional areas with correctly fitted bras and 
sanitary and beauty care packs. 

Dr  
Samantha 
Wade

Jane 
Holmes

N S W   W O M E N   O F   T H E   Y E A R   AWA R D S 

The NSW Women of the Year Awards recognise and celebrate 
the outstanding contribution made by women across New 
South Wales. In 2021, Harvey Norman® was the naming partner 
for the Young Woman of the Year award, which was won by  
Dr Samantha Wade. 

Dr Wade worked on a team which developed a drug delivery device  
aimed at improving outcomes for pancreatic cancer patients. Supervised 
and guided by renowned cancer biologists, oncologists and material 
scientists, Dr Wade spent six years engineering the device. 

Although still in the pre-clinical stage of development, it could change how 
medicine is delivered. Pancreatic cancer has a five-year survival rate of just 
10 per cent. The device has the potential to make more cases curable and 
help patients avoid major surgery.

S H I N E   AWA R D S 

The Shine Awards is an annual event that shines a spotlight on regional and rural women who are making a real difference to 
their communities, businesses and industries. 

Produced in partnership with  
The Weekly Times, and now heading  
into their fourth year, these awards 
celebrate the vision, dedication, spirit, 
belief, grace and courage of women 
across rural and regional Australia. With 
the past 12 months presenting extreme 
challenges for so many communities, 
it feels more important than ever to 
share stories of hope, celebrate their 
perseverance, and to recognise the 
positive impact of these women. 

2020 Shine Award Overall Winner, 
Carmel Beresford lost her 21 year old 
son Sam in a shock gyrocopter accident. 
Consumed by sorrow, Carmel poured 
her anguish to paper, writing the story of 
Sam’s life; the adventure and challenges 
of rearing stock in the Outback. She 
published the book, Unforgiving: The 
Story of Life and Death of Sam. 

G   W

N
I
T
A
R
B
E

L

E

C

O M E N   OF R

U

R

A

L

A

U

S

T

R

A
L
I

A

2020

Carmel Beresford,  
2020 Shine Award Overall Winner 

ANNUAL REPORT JUNE 2021

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C O M M U N I T Y   FAT H E R   O F   T H E   
Y E A R   AWA R D 

Each year the Australian Father’s Day Council 
and The Shepherd Centre select a distinguished 
father who has demonstrated support, guidance 
and love to his children or other children through 
his working role or family life to take out the 
prestigious Australian Father of the Year Award. 

In 2021, Harvey Norman® was proud to sponsor the 
Community Father of the Year Award, presented 
to Dr Mark Cross, best known for his work as The 
Anxious Shrink. A psychiatrist for over 30 years, Mark 
is dedicated to breaking the social stigma around 
mental health issues, encouraging others to speak up 
by talking about his own anxiety.

D E L I C I O U S   P R O D U C E   AWA R D S

The 2021 delicious Harvey Norman® Produce 
Awards are the country’s most prestigious food 
industry campaign. Now in its 16th year, the 
Awards celebrate the new, innovative, native and 
consistently outstanding Australian ingredients 
grown, caught, sourced or produced with 
dedication, passion, knowledge and regard for 
the environment.

Seventeen trophies were awarded by some of 
Australia’s most renowned chefs. The overall 
Producer of the Year Award, presented by Harvey 
Norman®, was awarded to Gary, Jo and Sam Rodely 
from Tathra Oysters in NSW.

N R L   H A R V E Y   N O R M A N ®  A L L - S TA R S 

2021 saw Harvey Norman® continue in its role as the naming 
rights partner of the NRL All-Stars match between Indigenous 
and Maori teams. 

Prior to the match on 20th February 2021, both male and female 
representatives from each team attended an in-store exclusive 
event at Harvey Norman® Townsville, where the local community 
was able to come and hear from some of their favourite players 
such as local icon Jonathon Thurston, All Stars Founder Preston 
Campbell and current players Josh Kerr and Shaniah Power. 

As the first major Rugby League event of the calendar year, this 
was a great opportunity to bring the community together in a 
positive way that celebrates the contribution of Indigenous & 
Maori players. 

Dr Mark Cross,  
Awarded Community Father  
of the Year Award

(Left to right) 
Dallin Watene-
Zelezniak  
& Josh Kerr

68

ANNUAL REPORT JUNE 2021

(Left to right)  
Jasmine Peters,  
Botille Vette-Welsh  
& Shaniah Power

(Left to right) 
Tyrone Roberts, 
Preston Campbell, 
Johnathan Thurston, 
Katrina Fanning

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Ariarne Titmus 
Australian Olympic  
Gold Medalist  
Tokyo 2020 
Olympics

Harvey Norman®  
Brand Ambassador

Congratulations to 
Ariarne Titmus who 
brought Australia 
to its feet, not 
once but twice, 
when she won the 
gold medal in the 
women’s 200 and 
400m freestyle at 
the Tokyo Olympic 
Games.

Ariarne, now an 
Olympic champion 
and household 
name, went on to 
win silver in the 
800m and bronze 
in the 4 x 200m 
freestyle relay.

Harvey Norman® 
proudly supporting 
Ariarne since 2020

W O M E N   I N   S P O R T 

Harvey Norman® has long been 
a proud supporter of women 
in sport – with sponsorship 
involvement spanning from juniors 
and grassroots all the way up to 
the elite levels. 

This support is helping these 
athletes achieve their goals, and 
by doing so also inspiring the next 
generation of women - creating 
pathways for them to pursue their 
own sporting endeavours. 

WSL Australian Surfer  
Isabella Nichols

(Left to right) 
Women’s 
State of Origin 
Captains Ali 
Brigginshaw  
and Kezie Apps

GIANTS  
AFLW Player 
Alyce Parker

ANNUAL REPORT JUNE 2021

69

OPERATING AND FINANCIAL REVIEW (CONTINUED) 

ENVIRONMENT, SOCIAL & GOVERNANCE (ESG) REPORT (CONTINUED) 

People (continued) 

Learning & Development  

We recognise that the ongoing training and development of our people is a sound investment and can only lead to better outcomes for 
our stakeholders. 

While in-person meetings and development opportunities were limited in FY2021 due to COVID-19, our teams have continued to  
innovate and invest in training and development initiatives.  Online facilitation has become a part of normal, day to day engagement, 
and has increased our ability and provided scope to offer more frequent targeted initiatives with lower cost impacts to a wider audience, 
CHAIRMAN AND CEO’s REPORT 
while also improving collaboration across teams in different regions. 

Employees have the opportunity to complete a range of courses, from compliance based training, to soft skills such as leadership,  
management, and mental health training, to technical and professional training in roles such as IT, Digital, Accounting, and HR. 

With the growing importance of keeping communications and connections in place while we are at times, physically distant, the Connect 
Intranet was successfully implemented across the consolidated entity in FY2021.  Connect allows us to facilitate employee engagement, 
broadcast clear and concise internal communications, and increases interactions between business units, all of which are important to 
successful business and employee outcomes.  

Environment and Climate Change 

Disclosures and Standards – Environmental  

The world’s changing climate is a major consideration for the future of the business operations, supply chain, colleagues, franchisees and 
customers of the consolidated entity.  Over the past 12 months we have continued to progress how we manage, report and address  
climate change issues.   

The consolidated entity is a member of the following organisations and associations to support our commitment to environmental and 
social responsibility:  
• 
• 
• 
• 
• 
• 

Consumer Electronics Association 
New Zealand Leather and Shoe Research Association (LASRA) 
Energy Users Association of Australia 
Australasia Furniture Research and Development Institute (AFRDI) 
National Retailers Association 
Australian Bedding Stewardship Council (founding member and Board representation). 

The consolidated entity has undertaken the following recent actions with respect to energy reduction and waste reduction. 

Energy Reduction 

Using FY2016 as the baseline year of measurement, the complexes of the consolidated entity have reduced energy consumption in  
Australia by 20.2%.  The effect of store closures and reduced operations during Government-mandated periods of temporary lockdown 
has affected this figure in FY2021.   

Across the complexes in Australia, solar installations have been completed at 39 complexes, with another 29 complexes awaiting  
commissioning or being planned for installation and commissioning.  Using FY2016 electricity consumption as a baseline, the electricity 
consumption for 30 selected complexes has dropped 20.5% as a result of the solar and other energy efficiency initiatives commenced at 
these complexes. 

An audit of the effectiveness of the installed solar panels at each location was undertaken in FY2021, revealing that on average, the  
installed systems produce over 120,000 kilowatt hours (KWh) of electricity per annum per array, for use at that property.  In total, 
4,761,563 KWh of electricity was generated by installed solar arrays at properties across Australia in FY2021.  Using emission factors for 
electricity generated in New South Wales, that equates to approximately 3,900 tonnes of Co2e abated by these solar installations. 
Solar installations at our overseas company-owned stores will be part of the forward planning for emissions reduction. 

Our Irish operations already have all electricity generated from renewable sources.  In FY2021, two company-operated stores in Ireland 
began trialling energy efficient heating, ventilation and cooling systems, and an LED lighting retrofit program is underway across stores 
and warehouses in Ireland. 

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OPERATING AND FINANCIAL REVIEW (CONTINUED) 

ENVIRONMENT, SOCIAL & GOVERNANCE (ESG) REPORT (CONTINUED) 

Environment and Climate Change (continued) 
Disclosures and Standards – Environmental (continued)  

Waste Reduction 

The consolidated entity is committed to an internal circular economy model to ensure minimisation and eradication of landfill waste 
across our company-operated stores and complexes in Australia.  Our new Executive Sustainability Committee will further develop a 
‘circular waste’ solution and work to reduce waste and improve re-use via store product ‘take-back’ schemes.  

Waste management performance of the franchisees during FY2021 was as follows:  

Waste Stream 

Waste Management Performance  

CHAIRMAN AND CEO’s REPORT 

E-Waste 

E-waste recycling is available through most Harvey Norman®, Domayne® and Joyce Mayne®  
franchised complexes. 

Mattresses 

15,868 mattresses were recycled through Soft Landing in FY2021.   
Soft Landing is an accredited supplier to the Australian Bedding Stewardship Council (ABSC).  The ABSC 
is a not-for-profit organisation dedicated to the development of a mattress product stewardship scheme 
in Australia. Certain Harvey Norman® and Domayne® franchisees are members of the ABSC. 

Polystyrene 

Approximately 80% of franchised complexes in Australia recycle this separate waste stream. 

Cardboard and plastic recycling  

Each franchisee in each franchised complex in Australia carries out cardboard and plastic recycling. 
Harvey Norman®, Domayne® and Joyce Mayne® franchisees recycled 7,825 tonnes, in aggregate, of 
cardboard and paper and 5.30 tonnes of plastic (LDPE), in aggregate, in FY2021. 

Plastic bag distribution 

Harvey Norman®, Domayne® and Joyce Mayne® franchisees are currently considering removal of plastic 
bags and replacement with paper bags. 

Overseas Company-Operated Retail 
The following initiatives were implemented at company-owned stores: 
• 
• 
• 
• 
• 
• 
• 

All electricity used by operations in Ireland is generated from renewable sources 
An LED lighting retrofit program is underway across stores and warehouses in Ireland 
Two sites in Ireland are trailing energy efficient heating, ventilation and cooling systems 
E-waste and battery recycling initiatives are in place in our Irish operations  
Cardboard, plastic and polystyrene recycling is maximised using compactors in stores. 
Mattress recycling is available at some of our stores in Ireland 
Plastic bags are not provided to customers in retail stores in Ireland and Slovenia, with Croatia also phasing these out by the end 
of the 2021 calendar year 
The New Zealand operations actively recycle cardboard, paper, polystyrene, plastic and timber from pallets.   A new Executive  
Sustainability Committee has been formed with initial focus on waste diversion, energy emission reduction, packaging and  
ethical sourcing.   

• 

Supply Chain 
Responsible Sourcing Standards 
With a significant number of suppliers across the globe, supplier obligations are conveyed via robust trading terms which include an  
obligation to comply with the law in each relevant jurisdiction. 

Modern Slavery 
We support the objectives of Governments around the world to eradicate all forms of modern slavery and human trafficking.  It is  
planned that all contracted suppliers to the consolidated entity will have positive obligations on modern slavery and human rights as  
prescribed by the relevant jurisdiction in which they operate.   

In FY2021, we continued to build on our position in the 2020 modern slavery statement by surveying suppliers to the consolidated entity, 
and undertaking additional questioning to some of the suppliers to ensure compliance with relevant standards. 

We are implementing our internal modern slavery policy with a view to including a risk assessment in the business as usual activities of each 
subsidiary vendor management program.  Our modern slavery training is set to be delivered in November 2021, and our second modern 
slavery statement will be posted on the website of the Company by the due date of 31 December 2021. 

Governance and Risk 

For a description of the governance and risk practices in place at the consolidated entity, please refer to page 32 of this Annual Report and 
to the Governance section of the website of the Company: www.harveynormanholdings.com.au.  

ANNUAL REPORT JUNE 2021 

 71 

 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ REPORT (CONTINUED) 

 Auditor Independence and Non-Audit Services 

During the year, the auditors of Harvey Norman Holdings Limited, Ernst & Young, provided non–audit services to the consolidated 
entity.  In accordance with the recommendation from the Audit & Risk Committee of the Company, the directors are satisfied that the 
provision of the non-audit services during the year is compatible with the general standard of independence for auditors imposed by 
the Corporations Act 2001.  Also, in accordance with the recommendation from the Audit & Risk Committee, the directors are  
satisfied that the nature and scope of each type of non–audit service provided means that auditor independence was not  
compromised. 

Details of the amounts paid or payable to the auditor, Ernst & Young, for the provision of non–audit services during the year ended 
30 June 2021 are outlined in Note 30. Remuneration of Auditors of this annual report.  

The directors received the following declaration from the auditor of Harvey Norman Holdings Limited. 

Ernst & Young  
200 George Street 
Sydney  NSW  2000 Australia 
GPO Box 2646 Sydney  NSW  2001 

Tel: +61 2 9248 5555 
Fax: +61 2 9248 5959 
ey.com/au 

Auditor’s Independence Declara(cid:415)on to the Directors of Harvey Norman Holdings Limited 

As lead auditor for the audit of the financial report of Harvey Norman Holdings Limited for the financial year ended 30 June 2021,  
I declare to the best of my knowledge and belief, there have been: 

a)  no contraven(cid:415)ons of the auditor independence requirements of the Corpora(cid:415)ons Act 2001 in rela(cid:415)on to the audit; and   
b) no contraven(cid:415)ons of any applicable code of professional conduct in rela(cid:415)on to the audit. 

This declara(cid:415)on is in respect of Harvey Norman Holdings Limited and the en(cid:415)(cid:415)es it controlled during the financial year. 

Ernst & Young 

Renay Robinson 
Partner 
Sydney 
30 September 2021 

Signed in accordance with a resolution of the directors. 

A member firm of Ernst & Young Global Limited 
Liability limited by a scheme approved under Professional Standards Legisla(cid:415)on   

G. HARVEY        

Chairman 
Sydney 
30 September 2021 

K.L. PAGE  

Chief Executive Officer 
Sydney 
30 September 2021 

 72 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Ernst & Young 
200 George Street 
Sydney  NSW  2000 Australia 
GPO Box 2646 Sydney  NSW  2001 

  Tel: +61 2 9248 5555 
Fax: +61 2 9248 5959 
ey.com/au 

Independent Auditor's Report to the Members of Harvey Norman 
Holdings Limited 

Report on the Audit of the Financial Report 

Opinion 

We have audited the financial report of Harvey Norman Holdings Limited (the Company) and its 
subsidiaries (collectively the Group), which comprises the consolidated statement of financial position 
as at 30 June 2021, the consolidated income statement, consolidated statement of comprehensive 
income, consolidated statement of changes in equity and consolidated statement of cash flows for the 
year then ended, notes to the financial statements, including a summary of significant accounting 
policies, and the directors' declaration. 

In our opinion, the accompanying financial report of the Group is in accordance with the Corporations 
Act 2001, including: 

a) 

giving a true and fair view of the consolidated financial position of the Group as at 
30 June 2021 and of its consolidated financial performance for the year ended on that date; 
and 

b) 

complying with Australian Accounting Standards and the Corporations Regulations 2001. 

Basis for Opinion 

We conducted our audit in accordance with Australian Auditing Standards. Our responsibilities under 
those standards are further described in the Auditor’s Responsibilities for the Audit of the Financial 
Report section of our report. We are independent of the Group in accordance with the auditor 
independence requirements of the Corporations Act 2001 and the ethical requirements of the 
Accounting Professional and Ethical Standards Board’s APES 110 Code of Ethics for Professional 
Accountants (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. 

Key Audit Matters 

Key audit matters are those matters that, in our professional judgment, were of most significance in 
our audit of the financial report of the current year. These matters were addressed in the context of 
our audit of the financial report as a whole, and in forming our opinion thereon, but we do not provide 
a separate opinion on these matters. For each matter below, our description of how our audit 
addressed the matter is provided in that context. 

We have fulfilled the responsibilities described in the Auditor’s Responsibilities for the Audit of the 
Financial Report section of our report, including in relation to these matters. Accordingly, our audit 
included the performance of procedures designed to respond to our assessment of the risks of 
material misstatement of the financial report. The results of our audit procedures, including the 
procedures performed to address the matters below, provide the basis for our audit opinion on the 
accompanying financial report. 

73 

A member firm of Ernst & Young Global Limited 
Liability limited by a scheme approved under Professional Standards Legislation 

 
 
 
 
 
1.  Valuation of investment properties and owner-occupied properties  

Why significant 

How our audit addressed the key audit matter 

Our audit procedures included the following: 

►  Assessed the Group’s accounting policies with 

respect to investment properties and owner-
occupied properties for compliance with the 
relevant Australian Accounting Standards.  

►  Assessed whether we could rely on the work of 

those responsible for the Director’s valuations and 
the work of the independent valuation experts by 
considering their qualifications, competence and 
objectivity. 

For a sample of properties we:  

►  Assessed the reasonableness of key assumptions 
used in the valuations with reference to external 
market evidence. 

►  Assessed whether any relief provided to tenants in 
connection with COVID-19 had been factored into 
the valuations and that changes in tenant 
occupancy risk were considered.  

►  We involved our real estate valuation specialists to 

assist with the assessment of the valuation 
assumptions and methodologies for both internal 
and external valuations.  

► 

Evaluated the suitability of the valuation 
methodology across the portfolio based on the 
type of asset.  

►  Considered whether there have been any 
indicators of material changes in property 
valuations subsequent to 30 June 2021.  We 
involved our real estate valuation specialists to 
assist us in making this assessment.  

►  Considered whether the financial report 

disclosures and in particular those relating to the 
valuation uncertainty are appropriate.   

Investment properties and owner-occupied 
properties (collectively, “properties”) represent 
50.5% of the Group’s total assets as at 
30 June 2021.  

Investment properties are carried at fair value with 
changes in fair value recognised in the income 
statement. Note 14 of the financial report 
describes the basis upon which fair value has been 
determined.  

Owner-occupied properties, represented as Land 
and Buildings are carried at fair value, with changes 
in fair value recognised in equity. Note 12 of the 
financial report describes the basis upon which fair 
value has been determined.  

Fair value is assessed by the directors with 
reference to either external independent property 
valuations or internal valuations and are based on 
market conditions existing at the reporting date. 

At 30 June 2021 there is significant valuation 
uncertainty arising from the COVID-19 pandemic 
and the response of Governments to it. The 
valuation of investment properties is inherently 
subjective given that there are alternative 
assumptions and valuation methods that may result 
in a range of values. The impact of COVID-19 at 
30 June 2021 has resulted in a wider range of 
possible assumptions and values than at past 
valuation points. In addition, property values may 
change significantly and unexpectedly over a short 
period of time.  

Given the market conditions at balance date, the 
independent valuers have reported on the basis of 
the existence of ‘significant valuation uncertainty’, 
noting that less certainty and a higher degree of 
caution should be attached to the valuations than 
would normally be the case. The disclosures in the 
financial statements provide particularly important 
information about the assumptions made in the 
property valuations and the market conditions at 
30 June 2021. 

For these reasons we consider it important that 
attention is drawn to the information in Notes 12 
and 14 in assessing the property valuations at 
30 June 2021. 

74 

A member firm of Ernst & Young Global Limited 
Liability limited by a scheme approved under Professional Standards Legislation 

 
 
 
 
 
Why significant 

How our audit addressed the key audit matter 

For the year ended 30 June 2021, valuation of 
investment properties and owner-occupied 
properties was considered a key audit matter given: 

► 

► 

The value of the properties relative to total 
assets of the Group 

The number of judgements exercised by both 
independent valuation specialists and the 
Directors in determining fair value 

►  By their nature, the use of Directors’ 

valuations, and  

►  Uncertainty regarding key valuation 

assumptions as a result of the COVID-19 
economic impact 

2.  Recoverability of Receivables from Franchisees 

Why significant 

How our audit addressed the key audit matter 

At 30 June 2021, the balance of receivables from 
franchisees was $793.2 million representing 12% of 
the Group’s total assets at 30 June 2021.  

Note 7 of the financial report describes the nature 
of the balances receivable from franchisees and 
outlines the accounting policy in relation to 
receivables from franchisees. 

The recoverability of receivables from franchisees 
was considered a key audit matter given the value 
of the balance and the judgements exercised by the 
Group in making their recoverability assessment. 

Our audit procedures included the following: 

► 

Evaluated the Group’s assessment of the 
recoverability of receivables from franchisees. 

►  Performed a range of scenarios to ‘stress test’ 
assumptions applied by management in 
determining the recoverability of receivables from 
franchisees. 

► 

For a sample of franchisee receivables, we 
obtained confirmation from the franchisees 
acknowledging the amounts owing at year end. 

►  Reviewed a sample of General Security Deeds 

between the franchisees and the Group that 
provides the Group with security over the assets of 
franchisees.  

►  Considered the value of assets provided as 

security by the franchisees against the franchisee 
receivable balances.  

► 

Enquired of management and considered any 
evidence arising post year end of adverse 
performance of the franchisees, which could 
impact the recoverability of receivables from 
franchisees.  

►  Considered the adequacy of the disclosures 

included in Note 7 of the financial report. 

A member firm of Ernst & Young Global Limited 
Liability limited by a scheme approved under Professional Standards Legislation 

75 

 
 
 
 
 
 
 
 
Information Other than the Financial Report and Auditor’s Report Thereon 

The directors are responsible for the other information. The other information comprises the 
information included in the Company’s 2021 Annual Report, 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, with the exception of the Remuneration Report 
and our related assurance opinion.  

In connection with our audit of the financial report, our responsibility is to read the other information 
and, in doing so, consider whether the other information is materially inconsistent with the financial 
report or our knowledge obtained in the audit or otherwise appears to be materially misstated.  

If, based on the work we have performed, we conclude that there is a material misstatement of this 
other information, we are required to report that fact. We have nothing to report in this regard. 

Responsibilities of the Directors for the Financial Report 

The directors of the Company are responsible for the preparation of the financial report that gives a 
true and fair view in accordance with Australian Accounting Standards and the Corporations Act 2001 
and for such internal control as the directors determine is necessary to enable the preparation of the 
financial report that gives a true and fair view and is free from material misstatement, whether due to 
fraud or error. 

In preparing the financial report, the directors are responsible for assessing the Group’s ability to 
continue as a going concern, disclosing, as applicable, matters relating 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. 

As part of an audit in accordance with the Australian Auditing Standards, we exercise professional 
judgment and maintain professional scepticism throughout the audit. We also: 

Identify and assess the risks of material misstatement of the financial report, whether due to 
fraud or error, design and perform audit procedures responsive to those risks, and obtain audit 
evidence that is sufficient and appropriate to provide a basis for our opinion. The risk of not 
detecting a material misstatement resulting from fraud is higher than for one resulting from 
error, as fraud may involve collusion, forgery, intentional omissions, misrepresentations, or the 
override of internal control 

► 

76 

A member firm of Ernst & Young Global Limited 
Liability limited by a scheme approved under Professional Standards Legislation 

 
 
 
►  Obtain an understanding of internal control relevant to the audit in order to design audit 

procedures that are appropriate in the circumstances, but not for the purpose of expressing an 
opinion on the effectiveness of the Group’s internal control  

►  Evaluate the appropriateness of accounting policies used and the reasonableness of accounting 

estimates and related disclosures made by the directors 

►  Conclude on the appropriateness of the directors’ use of the going concern basis of accounting 
and, based on the audit evidence obtained, whether a material uncertainty exists related to 
events or conditions that may cast significant doubt on the Group’s ability to continue as a going 
concern.  If we conclude that a material uncertainty exists, we are required to draw attention in 
our auditor’s report to the related disclosures in the financial report or, if such disclosures are 
inadequate, to modify our opinion. Our conclusions are based on the audit evidence obtained up 
to the date of our auditor’s report. However, future events or conditions may cause the Group to 
cease to continue as a going concern  

►  Evaluate the overall presentation, structure and content of the financial report, including the 

disclosures, and whether the financial report represents the underlying transactions and events 
in a manner that achieves fair presentation 

►  Obtain sufficient appropriate audit evidence regarding the financial information of the entities or 

business activities within the Group to express an opinion on the financial report. We are 
responsible for the direction, supervision and performance of the Group audit. We remain solely 
responsible for our audit opinion 

We communicate with the directors regarding, among other matters, the planned scope and timing of 
the audit and significant audit findings, including any significant deficiencies in internal control that we 
identify during our audit. 

We also provide the directors with a statement that we have complied with relevant ethical 
requirements regarding independence, and to communicate with them all relationships and other 
matters that may reasonably be thought to bear on our independence, and where applicable, actions 
taken to eliminate threats or safeguards applied. 

From the matters communicated to the directors, we determine those matters that were of most 
significance in the audit of the financial report of the current year and are therefore the key audit 
matters. We describe these matters in our auditor’s report unless law or regulation precludes public 
disclosure about the matter or when, in extremely rare circumstances, we determine that a matter 
should not be communicated in our report because the adverse consequences of doing so would 
reasonably be expected to outweigh the public interest benefits of such communication. 

A member firm of Ernst & Young Global Limited 
Liability limited by a scheme approved under Professional Standards Legislation 

77 

 
 
 
 
 
 
 
Report on the Audit of the Remuneration Report 

Opinion on the Remuneration Report 

We have audited the Remuneration Report included in pages 37 to 60 of the directors' report for the 
year ended 30 June 2021. 

In our opinion, the Remuneration Report of Harvey Norman Holdings Limited for the year ended 
30 June 2021, complies with section 300A of the Corporations Act 2001. 

Responsibilities 

The directors of the Company are responsible for the preparation and presentation of the 
Remuneration Report in accordance with section 300A of the Corporations Act 2001. Our 
responsibility is to express an opinion on the Remuneration Report, based on our audit conducted in 
accordance with Australian Auditing Standards. 

Ernst & Young 

Renay Robinson 
Partner 

Sydney 
30 September 2021 

78 

A member firm of Ernst & Young Global Limited 
Liability limited by a scheme approved under Professional Standards Legislation 

 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

DIRECTORS’ DECLARATION 

In accordance with a resolution of the directors of Harvey Norman Holdings Limited, we state that: 

In the opinion of the directors: 

(a) 

the financial statements, notes and the additional disclosures included in the Directors’ Report designated as audited, of the 
Company and its subsidiaries (collectively the consolidated entity) are in accordance with the Corporations Act 2001,  
including: 

i. 

giving a true and fair view of the consolidated entity’s financial position as at 30 June 2021 and of its performance for   
CHAIRMAN AND CEO’s REPORT 
the year ended on that date; and  
complying with Accounting Standards and the Corporations Regulations 2001;  

ii. 

(b) 

(c) 

the financial statements and notes also comply with International Financial Reporting Standards as issued by the International 
Accounting Standards Board; and  

there are reasonable grounds to believe that the consolidated entity will be able to pay its debts as and when they become 
due and payable. 

This declaration has been made after receiving the declarations required to be made to the directors by the Chief Executive Officer and 
Chief Financial Officer in accordance with section 295A of the Corporations Act 2001 for the financial year ended 30 June 2021. 

In the opinion of the directors, as at the date of this declaration, there are reasonable grounds to believe that the members of the Closed 
Group identified in Note 37. Deed of Cross Guarantee will be able to meet any obligations or liabilities to which they are or may become 
subject, by virtue of the Deed of Cross Guarantee. 

On behalf of the Board. 

G. HARVEY                                                                                                                                                                                                                   K.L. PAGE       

Chairman                                                                                                                                                                                             Chief Executive Officer 
Sydney                                                                                                                                                                                                                                        S ydney 
30 September 2021                                                                                         30 September 2021 

ANNUAL REPORT JUNE 2021 

 79 

 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

STATEMENT OF FINANCIAL POSITION — 30 JUNE 2021 

Cash and cash equivalents 

Trade and other receivables 

Other financial assets 

Inventories 

Other assets 

Intangible assets 

Assets held for sale 

Total current assets 

Trade and other receivables 

Investments accounted for using the equity method 

Other financial assets 

Property, plant and equipment 

Property, plant and equipment: Right-of-use assets 

Investment properties: Freehold 

Investment properties: Leasehold Right-of-use assets 

s
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s
s
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s
A

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c
-
n
o
N

Intangible assets 

Deferred tax assets 

Total non-current assets 

Total Assets 

Trade and other payables 

Interest-bearing loans and borrowings 

Lease liabilities 

Income tax payable 

Other liabilities 

Provisions 

Total current liabilities 

Interest-bearing loans and borrowings 

Lease liabilities 

Provisions 

Deferred tax liabilities 

Other liabilities 

Total non-current liabilities 

Total Liabilities 

NET ASSETS 

Contributed equity 

Reserves 

Retained profits 

Parent entity interests 

Non-controlling interests 

TOTAL EQUITY 

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E

CONSOLIDATED  

June 2021 
$000 

June 2020 
$000 

264,431 

889,201 

41,376 

479,093 

39,555 

258 

12,662 

313,195 

511,579 

30,237 

391,984 

34,872 

278 

16,186 

1,726,576 

1,298,331 

72,560 

1,321 

33,083 

729,847 

511,167 

49,269 

4,692 

18,176 

662,889 

513,782 

2,905,509 

2,593,330 

620,461 

621,903 

63,668 

8,742 

63,003 

3,227 

4,946,358 

4,530,271 

6,672,934 

5,828,602 

355,663 

359,969 

135,389 

148,031 

108,847 

37,162 

351,772 

102,841 

130,280 

70,229 

96,141 

34,181 

1,145,061 

785,444 

200,000 

195,000 

1,043,276 

1,042,807 

9,823 

380,932 

823 

9,226 

317,937 

863 

1,634,854 

1,565,833 

2,779,915 

2,351,277 

3,893,019 

3,477,325 

717,925 

267,393 

717,925 

216,837 

2,879,511 

2,511,580 

3,864,829 

3,446,342 

28,190 

30,983 

3,893,019 

3,477,325 

Note 

26(a) 

7 

8 

9 

10 

11 

28 

7 

27 

8 

12 

13 

14 

15 

11 

16 

17 

19 

20 

21 

17 

19 

21 

20 

22 

25 

23 

24 

The above Statement of Financial Position should be read in conjunction with the accompanying notes. 

 80 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

INCOME STATEMENT FOR THE YEAR ENDED 30 JUNE 2021 

Sales of products to customers 

Cost of sales 

Gross profit 

Revenues received from franchisees 

Revenues and other income items 

Distribution expenses 

Marketing expenses 

Occupancy expenses 

Administrative expenses 

Other expenses 

Finance costs 

Share of net profit of joint venture entities 

Profit before income tax 

Income tax expense 

Profit after tax 

Attributable to: 

Owners of the parent 

Non-controlling interests 

Earnings per share 

Basic earnings per share (cents per share) 

Diluted earnings per share (cents per share) 

Dividends per share (cents per share) 

Note 

3 

3 

3 

4,13,15 

4 

4,19 

27 

5 

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

2,768,328   

(1,838,365)   

929,963   

2,294,913 

(1,555,271) 

739,642 

1,345,782   

324,521   

(49,971)   

(377,639)   

(243,066)   

(637,583)   

(67,585)   

(50,213)   

8,320   

1,182,529  1 

(335,684) 

846,845  1 

841,414   

5,431   

846,845   

1,055,866 

194,995 

(45,089) 

(380,099) 

(239,041) 

(554,753) 

(58,067) 

(59,794) 

7,628 

661,288 

(175,265) 

486,023 

480,541 

5,482 

486,023 

6 

6 

23 

67.53 cents 

67.45 cents 

39.19 cents 

39.15 cents 

35.0 cents   

24.0 cents 

The above Income Statement should be read in conjunction with the accompanying notes. 

ANNUAL REPORT JUNE 2021 

 81 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
   
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

STATEMENT OF COMPREHENSIVE INCOME FOR THE YEAR ENDED 30 JUNE 2021 

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

Profit for the year 

846,845   

486,023 

Items that may be reclassified subsequently to profit or loss: 

Foreign currency translation 

Net movement on cash flow hedges 

Income tax effect on net movement on cash flow hedges 

Items that will not be reclassified subsequently to profit or loss 

Fair value revaluation of land and buildings 

Income tax effect on fair value revaluation of land and buildings 

Net fair value gains / (losses) on financial assets at fair value 
through other comprehensive income 

(16,897)   

46   

(14)   

55,616   

(5,578)   

12,655 

(9,236) 

(47) 

14 

28,384 

(4,655) 

(1,030) 

Other comprehensive income for the year (net of tax) 

45,828 

13,430 

Total comprehensive income for the year (net of tax) 

892,673 

499,453 

Total comprehensive income attributable to: 

Owners of the parent 

Non-controlling interests 

889,249   

3,424   

892,673 

494,391 

5,062 

499,453 

The above Statement of Comprehensive Income should be read in conjunction with the accompanying notes. 

 82 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

STATEMENT OF CHANGES IN EQUITY FOR THE YEAR ENDED 30 JUNE 2021 

Attributable to Equity Holders of the Parent 

CONSOLIDATED 
$000 

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At 1 July 2020 

717,925  2,511,580 

158,608 

56,941 

9,919 

(35) 

10,005 

(18,601) 

30,983  3,477,325 

Revaluation of land 
and buildings 

Currency translation 
differences 

Reverse expired or 
realised cash flow 
hedge reserves 

Fair value of forward 
foreign exchange  
contracts 

Fair value of financial 
assets at fair value 
through other  
comprehensive  
income 

Other comprehen-
sive income 

Profit for the year 

Total comprehensive 
income for the  
year 

Cost of share based 
payments 

Utilisation of  
employee equity 
benefits reserve 

- 

- 

- 

- 

- 

- 

- 

50,038 

- 

- 

(14,890) 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

35 

(3) 

- 

- 

- 

12,655 

- 

- 

50,038 

(14,890) 

12,655 

841,414 

- 

- 

- 

- 

841,414 

50,038 

(14,890) 

12,655 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

32 

- 

32 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

1,453 

(1,059) 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

50,038 

(2,007) 

(16,897) 

- 

- 

35 

(3) 

- 

12,655 

(2,007) 

45,828 

5,431 

846,845 

3,424 

892,673 

- 

- 

1,453 

(1,059) 

(2,634) 

(476,117) 

2,327 

(3,583) 

(1,256) 

Dividends paid 

- 

(473,483) 

Disposal of invest-
ment 

- 

- 

At 30 June 2021 

717,925  2,879,511 

208,646 

42,051 

22,574 

(3) 

10,399 

(16,274) 

28,190  3,893,019 

The above Statement of Changes in Equity should be read in conjunction with the accompanying notes. 

ANNUAL REPORT JUNE 2021 

 83 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

STATEMENT OF CHANGES IN EQUITY FOR THE YEAR ENDED 30 JUNE 2021 

Attributable to Equity Holders of the Parent 

CONSOLIDATED 
$000 

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-

T
o
t
a

l

At 1 July 2019 as 
previously reported 

Transition adjust-
ments arising from 
adoption of AASB 16 

At 1 July 2019, post 
transition 

Revaluation of land 
and buildings 

Currency translation 
differences 

Reverse expired or 
realised cash flow 
hedge reserves 

Fair value of forward 
foreign exchange  
contracts 

Fair value of financial 
assets at fair value 
through other 
comprehensive  
income 

Other comprehen-
sive income 

Profit for the year 

Total comprehensive 
income for the  
year 

Cost of share based 
payments 

Utilisation of employ-
ee equity benefits 
reserve 

552,250  2,397,436 

152,850 

65,853  10,949 

(2) 

10,125 

(22,051) 

30,383 

3,197,793 

- 

(43,892) 

(18,067) 

- 

- 

- 

- 

- 

80 

(61,879) 

552,250  2,353,544 

134,783 

65,853  10,949 

(2) 

10,125 

(22,051) 

30,463 

3,135,914 

- 

- 

- 

- 

- 

- 

2 

(35) 

23,825 

- 

(8,912) 

- 

- 

- 

- 

- 

- 

- 

(1,030) 

- 

- 

23,825 

(8,912) 

(1,030) 

(33) 

480,541 

- 

- 

- 

- 

480,541 

23,825 

(8,912) 

(1,030) 

(33) 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

739 

(859) 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

3,450 

- 

- 

(96) 

23,729 

(324) 

(9,236) 

- 

- 

2 

(35) 

- 

(1,030) 

(420) 

13,430 

5,482 

486,023 

5,062 

499,453 

- 

- 

- 

- 

739 

(859) 

165,675 

3,450 

(3,345) 

(325,850) 

(1,197) 

(1,197) 

Shares issued 

165,675 

Sale of a controlled 
entity  

- 

Dividends paid 

Distribution to  
members 

- 

(322,505) 

- 

- 

At 30 June 2020 

717,925  2,511,580 

158,608 

56,941 

9,919 

(35) 

10,005 

(18,601) 

30,983 

3,477,325 

 84 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

STATEMENT OF CASH FLOWS FOR THE YEAR ENDED 30 JUNE 2021 

s
e
i
t
i
v
i
t
c
A
g
n
i
t
a
r
e
p
O

s
e
i
t
i
v
i
t
c
A
g
n
i
t
s
e
v
n

I

s
e
i
t
i
v
i
t
c
A

g
n
i
c
n
a
n
F

i

Cash Flows from Operating Activities 

Note 

Net receipts from franchisees 

Receipts from customers 

Payments to suppliers and employees 

Distributions received from joint ventures 

GST paid 

Interest received 

Interest and other costs of finance paid 

Interest paid on lease liabilities  

Income taxes paid 

Dividends received 

Net Cash Flows From Operating Activities 

26(b) 

Cash Flows from Investing Activities 

Payments for purchases of property, plant and equipment and  
intangible assets 

Payments for purchase and refurbishments of freehold investment 
properties 

Proceeds from sale of property, plant and equipment and  
properties held for resale 

Payments for purchase of units in unit trusts and other investments 

Payments for purchase of equity accounted investments 

Payments for purchase of listed securities 

Proceeds from sale of listed securities 

Proceeds from sale of a controlled entity 

Proceeds from insurance claims 

Loans repaid from / (granted to) joint venture entities, joint ven-
ture partners, related and unrelated entities 

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

886,344   

2,984,441   

(2,984,050)   

9,332   

(103,403)   

5,496   

(8,953)   

(40,941)   

(206,595)   

2,198   

543,869   

1,304,230 

2,461,539 

(2,471,564) 

8,385 

(65,501) 

8,142 

(20,489) 

(40,538) 

(128,967) 

1,727 

1,056,964 

(100,300) 

(93,905) 

(173,822) 

(51,474) 

1,922 

(2,312) 

(409) 

(2,360) 

78 

15,082 

2,689 

5,316 

26,510 

(215) 

(2,215) 

(5,000) 

- 

- 

2,628 

(13,292) 

Net Cash Flows Used In Investing Activities 

(254,116) 

(136,963) 

Cash Flows from Financing Activities 

Lease payments (principal component)  

Proceeds from shares issued — renounceable pro-rata Entitlement 
Offer 

Proceeds from / (Repayments of) Syndicated Facility 

Dividends paid 

Loans repaid to related parties 

Repayments of other borrowings 

Net Cash Flows Used In Financing Activities 

Net (Decrease) / Increase in Cash and Cash Equivalents 

Cash and Cash Equivalents at Beginning of the Year 

Cash and Cash Equivalents at End of the Year 

26(a) 

(130,849)   

(124,770) 

- 

165,675 

295,000   

(473,483)   

-   

(26,140)   

(335,472)   

(45,719)   

294,446   

248,727   

(520,000) 

(322,505) 

(8) 

(9,763) 

(811,371) 

108,630 

185,816 

294,446 

The above Statement of Cash Flows should be read in conjunction with the accompanying notes. 

ANNUAL REPORT JUNE 2021 

 85 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS — 30 JUNE 2021 

1  Statement of Significant Accounting Policies 

Corporate Information 

(a) 
Harvey Norman Holdings Limited (the “Company”) is a for profit company limited by shares incorporated in Australia and  
operating in Australia, New Zealand, Ireland, Northern Ireland, Singapore, Malaysia, Slovenia and Croatia whose shares are  
publicly traded on the Australian Securities Exchange (“ASX”) trading under the ASX code HVN.   

Basis of Preparation  

(b) 
The financial report has been prepared on a historical cost basis, except for freehold investment properties, leasehold  
investment properties: right-of-use assets, land and buildings, derivative financial instruments and equity financial assets, which 
have been measured at fair value.  Certain comparative amounts have been re-presented to align with the presentation in the 
current year.  The financial report is presented in Australian dollars and all values are rounded to the nearest thousand dollars 
($000) unless otherwise stated under the option available to the Company under Australian Securities and Investments  
Commission Corporations (Rounding in Financial/Directors’ Reports) Instrument 2016/191.  The Company is an entity to which 
this legislative instrument applies.   

The consolidated financial statements of the Company and its subsidiaries (the “consolidated entity”) for the year ended 30 June 
2021 were authorised for issue in accordance with a resolution of the directors on 30 September 2021. 

(c)      Statement of Compliance 
The financial report is a general-purpose financial report, which has been prepared in accordance with the requirements of the 
Corporations Act 2001, Australian Accounting Standards and Interpretations, and complies with other requirements of the law.  
The financial report complies with Australian Accounting Standards, as issued by the Australian Accounting Standards Board, 
and International Financial Reporting Standards (IFRS), as issued by the International Accounting Standards Board. 

Australian Accounting Standards and Interpretations that have recently been issued or amended but are not yet effective have 
not been adopted by the consolidated entity for the annual reporting period ended 30 June 2021.  For details on the impact of 
future accounting standards, refer to page 89.  

(d)      Basis of Consolidation 
The consolidated financial statements comprise the financial statements of Harvey Norman Holdings Limited and its controlled 
entities.  Control is achieved when the consolidated entity is exposed, or has rights, to variable returns from its involvement with 
the investee and has the ability to affect those returns through its power over the investee.  Specifically, the consolidated entity 
controls an investee if and only if the consolidated entity has all of the following: 
• 
• 
• 

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

When the consolidated entity has less than a majority of the voting or similar rights of an investee, the consolidated entity  
considers all relevant facts and circumstances in assessing whether it has power over an investee, including: 
• 
• 
• 

The contractual arrangement with the other vote holders of the investee 
Rights arising from other contractual arrangements 
The consolidated entity’s voting rights and potential voting rights 

The consolidated entity assesses whether or not it controls an investee if facts and circumstances indicate that there are changes 
to one or more of the three elements of control.  Consolidation of a subsidiary begins when the consolidated entity obtains  
control over the subsidiary and ceases when the consolidated entity loses control of the subsidiary.   

All intercompany balances and transactions, including unrealised profits arising from intra-group transactions, have been  
eliminated in full.  Unrealised losses are eliminated unless costs cannot be recovered.  Financial statements of foreign controlled 
entities presented in accordance with overseas accounting principles are, for consolidation purposes, adjusted to comply with 
the consolidated entity’s policy and generally accepted accounting principles in Australia.  

Non-controlling interests are allocated their share of net profit after tax in the income statement and are presented within equity 
in the consolidated statement of financial position, separately from the equity of the owners of the Parent.  Losses are attributed 
to the non-controlling interest even if that results in a deficit balance. 

A change in the ownership interest of a subsidiary (without a change in control) is to be accounted for as an equity transaction.  

 86 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

1  Statement of Significant Accounting Policies (continued) 

(e)      Summary of Significant Accounting Policies 

(i)         Changes in accounting policy, disclosures, standards and interpretations 

The accounting policies adopted are consistent with those of the previous financial year ended 30 June 2020.  The consolidated 
entity has not early adopted any standard, interpretation or amendment that has been issued but is not yet effective.    

The consolidated entity is currently assessing the impact of the recently published IFRIC agenda decisions in relation to the  
accounting treatment for cloud computing costs and costs to be included in determining net realisable value of inventories, 
which was published by IFRIC in April 2021 and June 2021 respectively.  The consolidated entity expects to complete its  
assessment of the above IFRIC agenda decisions by 31 December 2021. 

(ii)        Significant accounting judgements and estimates 

In applying the consolidated entity’s accounting policies, management continually evaluates judgements, estimates and  
assumptions based on experience and other factors, including expectations of future events that may have an impact on the 
consolidated entity.  All judgements, estimates and assumptions made are believed to be reasonable based on the most  
current set of circumstances available to management.  Actual results may differ from the judgements, estimates and  
assumptions.  Significant judgements and estimates made by management in the preparation of these financial statements are 
outlined below: 

• 

Assessment of AASB 10 Consolidated Financial Statements in respect of Harvey Norman®, Domayne® and Joyce 
Mayne® Franchisees in Australia 

In determining whether the consolidated entity has control over an entity (investee) and should or should not consolidate the 
results of the investee, the consolidated entity assesses its exposure to / rights to variable returns from its involvement with the 
investee and whether it has the ability to affect those returns through its power over the investee.  

The assessment of whether Harvey Norman Holdings Limited (HNHL), or any subsidiary of HNHL, as franchisor, should  
consolidate or not consolidate the results of a franchisee or business operations of that franchisee, is determined by whether the 
franchisor has control over the franchisee.   The assessment of whether a franchisor controls a franchisee or the business  
operations of that franchisee, involves significant judgement in assessing whether the franchisor has sufficient power through its 
rights under arrangements with franchisees and through the practical application of those arrangements, to direct the relevant 
activities of the franchisee that most significantly affect the returns (profits or losses) of the franchisee. 

At least on an annual basis, the directors of HNHL assess the requirements of control in accordance with AASB 10 Consolidated 
Financial Statements.  During the 2021 financial year, after considering both the legal arrangements in place between the  
consolidated entity and Harvey Norman®, Domayne® and Joyce Mayne® franchisees and the practical application of those  
arrangements, the directors have continued to conclude that HNHL, or any subsidiary of HNHL, does not control the business 
operations of franchisees.  In particular, HNHL, or any subsidiary of HNHL, does not have any existing rights that give the  
consolidated entity the current ability to direct the relevant activities that most significantly affect the returns of the franchisee.  
The ability to direct the relevant activities that most significantly affect the returns of the franchisee, rest with the franchisee.  

HNHL, or any subsidiary of HNHL, does not have any voting rights or legal ownership or any equity interest in any franchisee 
business.  Each franchise business is operated by a separate legal entity which is independent of HNHL, or any subsidiary of 
HNHL.  The franchisee has the authority and decision-making responsibility over the day-to-day operation and administration of 
the franchisee business.  The franchisee has the substantive right to control the decisions regarding sales and pricing, inventory 
purchasing and inventory management, staff management (hiring, termination, staff numbers, remuneration, appointment of 
management) and employment of personnel including key management.   

The above assessment has resulted in the conclusion that the assets, liabilities and the results of franchisees in Australia are not 
consolidated by the consolidated entity because the consolidated entity does not control the business operations of Harvey 
Norman®, Domayne® and Joyce Mayne® franchisees. 

ANNUAL REPORT JUNE 2021 

 87 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

1  Statement of Significant Accounting Policies (continued) 

(e)     Summary of Significant Accounting Policies (continued) 
(ii)     Significant accounting judgements and estimates (continued) 

• 

Impairment of Non-Financial Assets 

The consolidated entity assesses, at each reporting date, whether there is an indication that an asset may be impaired.  If any 
indication exists, or when annual impairment testing for an asset is required, the consolidated entity estimates the asset’s  
recoverable amount.  The recoverable amount of an asset or cash generating unit (CGU) is the higher of that asset or CGU’s fair 
value less costs to sell and its value in use.  Recoverable amount is determined for an individual asset, unless the asset does not 
generate cash inflows that are largely independent of those from other assets or groups of assets, in which case, the  
recoverable amount is determined for the CGU to which the asset belongs.  When the carrying amount of an asset or CGU  
exceeds its recoverable amount, the asset is considered impaired and is written down to its recoverable amount. 

An assessment is made at each reporting date to determine whether there is any indication that previously recognised  
impairment losses may no longer exist or may have decreased.  If such indication exists, the consolidated entity estimates the 
asset’s or CGU’s recoverable amount.  A previously recognised impairment loss is reversed only if there has been a change in 
the assumptions used to determine the asset’s recoverable amount since the last impairment loss was recognised.  The reversal 
is limited so that the carrying amount of the asset does not exceed its recoverable amount, nor exceed the carrying amount that 
would have been determined, net of depreciation, had no impairment loss been recognised for the asset in prior years.  Such 
reversal is recognised in the income statement.  

• 
• 
• 
• 
• 

• 
• 
• 

Recovery of Deferred Tax Assets – refer to Note 5. Income Tax 
Expected Credit Loss Assessment for Financial Assets – refer to Note 7. Trade and Other Receivables 
Valuation of Freehold Owner-Occupied Properties – refer to note 12. Property, Plant and Equipment 
Valuation of Freehold Investment Properties – refer to Note 14. Investment Properties (Freehold) 
Valuation of Investment Properties (Leasehold): Right-of-Use Assets – refer to Note 15. Investment Properties 
(Leasehold): Right-of-Use Assets 
Determining the Incremental Borrowing Rate and Lease Term – refer to Note 19. Lease Liabilities 
Provision for Lease Make Good – refer to Note 21. Provisions 
Measurement of the Cost of Equity–Settled Transactions – refer to Note 25. Reserves 

(iii)       Taxes 

Refer to Note 5. Income Tax for accounting policy on current income tax and deferred tax. 

Goods and Services Tax (GST) 
Revenues, expenses and assets are recognised net of the amount of GST, except: 
• 

when the GST incurred on a sale or purchase of assets and services is not payable or recoverable from the taxation  
authority, in which case the GST is recognised as part of the revenue or expense item or as part of the cost of acquisition 
of the asset as applicable; and  
when receivables and payables are stated with the amount of GST included. 

• 

The net amount of GST recoverable from, or payable to, the taxation authority is included as part of receivables or payables in 
the statement of financial position.  Commitments and contingencies are disclosed net of the amount of GST recoverable from, 
or payable to, the taxation authority. 

Cash flows are included in the statement of cash flows on a gross basis.  The GST component of cash flows arising from  
operating, investing and financing activities, which is recoverable from, or payable to, the taxation authority, is classified as  
operating cash flows. 

 88 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

1  Statement of Significant Accounting Policies (continued) 

(iv)       Foreign Currency Translation 

Both the functional and presentation currency of Harvey Norman Holdings Limited and its subsidiaries is Australian dollars.  
Transactions in foreign currencies are initially recorded in the functional currency at exchange rates prevailing at the date of the 
transaction.  Monetary assets and liabilities denominated in foreign currencies are retranslated at the exchange rate prevailing 
at balance date.  Differences arising on settlement or translation of monetary items are recognised in the income statement.  
Non-monetary items that are measured in terms of historical cost in a foreign currency are translated using the exchange rate as 
at the date of the initial transaction.  Non-monetary items measured at fair value in a foreign currency are translated using the 
exchange rates at the date when the fair value was determined. 

f)  Future Accounting Standards 

The table below lists the Australian Accounting Standards which have recently been issued or amended but not yet effective 
and have not been adopted by the consolidated entity for the year ended 30 June 2021.  The consolidated entity does not  
expect a material impact on the application of the below standards.  

Reference 

New Standard 

Effective Date 

Application Date 

AASB 2020-8  Amendments to Australian Accounting Standards — Interest Rate  

1 January 2021 

1 July 2021 

Benchmark Reform—Phase 2 

AASB 2021-3  Amendments to Australian Accounting Standards — COVID-19 Related 

1 April 2021 

1 July 2021 

Rent Concessions beyond 30 June 2021 

AASB 2020-3  Amendments to Australian Accounting Standards — Annual  

1 January 2022 

1 July 2022 

Improvements 2018-2020 and Other Amendments 

AASB 2014-10  Amendments to Australian Accounting Standards — Sale or Contribution 

1 January 2022 

1 July 2022 

of Assets between and Investor and its Associate or Joint Venture 

AASB 2020-1  Amendments to Australian Accounting Standards — Classification of  

1 January 2023 

1 July 2023 

Liabilities as Current or Non-current 

AASB 2021-2  Amendments to Australian Accounting Standards — Disclosure of  

1 January 2023 

1 July 2023 

Accounting Policies and Definition of Accounting Estimates 

AASB 2021-5  Amendments to Australian Accounting Standards — Deferred Tax Related 
to Assets and Liabilities arising from a Single Transaction 

1 January 2023 

1 July 2023 

ANNUAL REPORT JUNE 2021 

 89 

 
 
 
 
 
 
    
       
    
    
    
    
    
 
    
    
    
    
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

2  Operating Segments 

Operating Segment Revenue: 
30 June 2021 

Sales of products to 
customers 

Revenues received 
from franchisees and 
other income items 

Total Revenue by  
Segment 

FRANCHISING OPERATIONS 

- 

1,237,706 

1,237,706 

CONSOLIDATED ($000) 

Retail — New Zealand 

Retail — Singapore & Malaysia 

Retail — Slovenia & Croatia 

Retail — Ireland & Northern Ireland 

Other Non-Franchised Retail 

TOTAL RETAIL 

Retail Property 

TOTAL PROPERTY 

EQUITY INVESTMENTS 

OTHER 

1,148,150 

577,483 

179,223 

647,903 

224,538 

2,777,297 

6 

6 

- 

2,805 

28,537 

10,788 

3,274 

11,225 

5,990 

59,814 

409,197 

409,197 

11,103 

20,360 

1,176,687 

588,271 

182,497 

659,128 

230,528 

2,837,111 

409,203 

409,203 

11,103 

23,165 

INTERCOMPANY ELIMINATIONS 

(11,780) 

(67,877) 

(79,657) 

TOTAL SEGMENT REVENUE 

2,768,328 

1,670,303 

4,438,631 

CONSOLIDATED ($000) 

Operating Segment Revenue: 
30 June 2020 

Sales of products to 
customers 

Revenues received 
from franchisees and 
other income items 

Total Revenue by  
Segment 

FRANCHISING OPERATIONS 

- 

949,037 

949,037 

Retail — New Zealand 

Retail — Singapore & Malaysia 

Retail — Slovenia & Croatia 

Retail — Ireland & Northern Ireland 

Other Non-Franchised Retail 

TOTAL RETAIL 

Retail Property 

TOTAL PROPERTY 

EQUITY INVESTMENTS 

OTHER 

960,185 

525,746 

154,362 

440,513 

224,780 

2,305,586 

25 

25 

- 

2,229 

23,086 

11,685 

2,399 

8,491 

4,318 

49,979 

300,507 

300,507 

1,450 

14,996 

983,271 

537,431 

156,761 

449,004 

229,098 

2,355,565 

300,532 

300,532 

1,450 

17,225 

INTERCOMPANY ELIMINATIONS 

(12,927) 

(65,108) 

(78,035) 

TOTAL SEGMENT REVENUE 

2,294,913 

1,250,861 

3,545,774 

 90 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

2  Operating Segments (continued) 

Operating Segment Result 
30 June 2021 

CONSOLIDATED ($000) 

Interest  
Expense 

Depreciation 
Expense 

Segment 
Result Before  
Interest, Tax,  
Depreciation & 
Amortisation 

Amortisation 
Expense 

Segment 
Result 
Before 
Tax 

Depreciation 
& Fair Value 
Re-
measure-
ment 
of ROU Asset 

FRANCHISING OPERATIONS 

776,309 

(25,218) 

(26,286) 

(77,947) 

(18,670) 

628,188 

Retail — New Zealand 

Retail — Singapore & Malaysia 

Retail — Slovenia & Croatia 

Retail — Ireland & Northern Ireland 

Other Non-Franchised Retail 

TOTAL RETAIL 

Retail Property 

Retail Property Under Construction 

Property Developments for Resale 

TOTAL PROPERTY 

EQUITY INVESTMENTS 

OTHER 

INTER-COMPANY ELIMINATIONS 

163,667 

80,465 

18,019 

78,787 

8,492 

(4,591) 

(5,595) 

(1,032) 

(6,211) 

(1,137) 

(7,307) 

(7,247) 

(2,935) 

(6,531) 

(2,368) 

(9,804) 

(31,315) 

(2,544) 

(13,966) 

(1,408) 

(355) 

(393) 

(126) 

(193) 

(255) 

141,610 

35,915 

11,382 

51,886 

3,324 

349,430 

(18,566) 

(26,388) 

(59,037) 

(1,322) 

244,117 

307,647 

(5,868) 

(9,687) 

(104) 

(104) 

(14) 

(28) 

- 

- 

307,439 

(5,910) 

(9,687) 

10,959 

13,026 

(26) 

(77) 

(468) 

26 

- 

(4,753) 

- 

- 

- 

- 

- 

- 

- 

- 

(305) 

291,787 

- 

- 

(118) 

(132) 

(305) 

291,537 

- 

- 

- 

10,882 

7,805 

- 

TOTAL SEGMENT RESULT BEFORE TAX 

1,457,137 

(50,213) 

(67,114) 

(136,984) 

(20,297) 

1,182,529 

Operating Segment Result 
30 June 2020 

CONSOLIDATED ($000) 

Segment 
Result Before  
Interest, Tax,  
Depreciation, 
Impairment & 
Amortisation 

Interest  
Expense 

Depreciation 
Expense 

Impairment 
&  
Amortisation 
Expense 

Segment 
Result 
Before 
Tax 

Depreciation 
& Fair Value 
Re-
measure-
ment 
of ROU Asset 

FRANCHISING OPERATIONS 

495,847 

(23,698) 

(25,197) 

(78,060) 

(20,300) 

348,592 

Retail — New Zealand 

Retail — Singapore & Malaysia 

Retail — Slovenia & Croatia 

Retail — Ireland & Northern Ireland 

Other Non-Franchised Retail 

120,196 

73,550 

13,908 

43,263 

(2,640) 

(4,282) 

(6,068) 

(908) 

(7,520) 

(1,859) 

(7,059) 

(6,843) 

(2,701) 

(5,186) 

(2,525) 

(9,354) 

(31,818) 

(1,723) 

(13,512) 

(1,508) 

(345) 

(1,206) 

(143) 

(172) 

(305) 

99,156 

27,615 

8,433 

16,873 

(8,837) 

TOTAL RETAIL 

248,277 

(20,637) 

(24,314) 

(57,915) 

(2,171) 

143,240 

Retail Property 

TOTAL PROPERTY 

199,022 

(14,099) 

(11,430) 

199,022 

(14,099) 

(11,430) 

EQUITY INVESTMENTS 

(2,001) 

(152) 

- 

OTHER 

INTER-COMPANY ELIMINATIONS 

4,874 

(170) 

(1,378) 

(5,075) 

170 

- 

- 

- 

- 

- 

- 

(305) 

(305) 

173,188 

173,188 

- 

- 

- 

(2,153) 

(1,579) 

- 

TOTAL SEGMENT RESULT BEFORE TAX 

945,849 

(59,794) 

(66,016) 

(135,975) 

(22,776) 

661,288 

ANNUAL REPORT JUNE 2021 

 91 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

2  Operating Segments (continued) 

CONSOLIDATED ($000) 

Operating Segment                                   
Assets and Liabilities 
30 June 2021 

Segment 
Assets 

Inter-
Company 
Eliminations 

Segment 
Assets After 
Eliminations 

Segment 
Liabilities 

Inter-
Company 
Eliminations 

Segment 
Liabilities 
After Elimina-
tions 

FRANCHISING OPERATIONS 

3,981,402 

(2,272,596) 

1,708,806 

850,415 

(7,348) 

843,067 

Retail — New Zealand 

Retail — Singapore & Malaysia 

390,749 

475,869 

- 

390,749 

250,246 

(2,232) 

248,014 

(2,451) 

473,418 

326,132 

(40,731) 

285,401 

Retail — Slovenia & Croatia 

85,457 

(2,156) 

83,301 

75,810 

Retail — Ireland & Northern Ireland 

281,545 

- 

281,545 

267,794 

(525) 

(577) 

Other Non-Franchised Retail 

218,656 

(58,705) 

159,951 

267,252 

(154,111) 

75,285 

267,217 

113,141 

TOTAL RETAIL 

Retail Property 

1,452,276 

(63,312) 

1,388,964 

1,187,234 

(198,176) 

989,058 

3,339,075 

(3,567) 

3,335,508 

2,334,254 

(1,983,024) 

351,230 

Retail Property Under Construction 

Property Developments for Resale 

7,486 

27,662 

- 

- 

7,486 

27,662 

7,562 

3,917 

(7,562) 

(2,199) 

- 

1,718 

TOTAL PROPERTY 

3,374,223 

(3,567) 

3,370,656 

2,345,733 

(1,992,785) 

352,948 

EQUITY INVESTMENTS 

69,327 

- 

69,327 

4,861 

- 

4,861 

OTHER 

179,604 

(53,165) 

126,439 

255,349 

(194,331) 

61,018 

TOTAL SEGMENT ASSETS/LIABILITIES 
BEFORE TAX 

9,056,832 

(2,392,640) 

6,664,192* 

4,643,592 

(2,392,640) 

2,250,952* 

CONSOLIDATED ($000) 

Operating Segment                                   
Assets and Liabilities 
30 June 2020 

Segment 
Assets 

Inter-
Company 
Eliminations 

Segment 
Assets After 
Eliminations 

Segment 
Liabilities 

Inter-
Company 
Eliminations 

Segment 
Liabilities 
After Elimina-
tions 

FRANCHISING OPERATIONS 

3,495,462 

(2,222,820) 

1,272,642 

916,694 

(139,436) 

777,258 

Retail — New Zealand 

Retail — Singapore & Malaysia 

434,573 

446,675 

- 

434,573 

269,969 

(4,188) 

(1,671) 

445,004 

298,827 

(40,670) 

Retail — Slovenia & Croatia 

74,388 

(3,260) 

71,128 

63,719 

Retail — Ireland & Northern Ireland 

243,916 

(262) 

243,654 

266,188 

(368) 

(615) 

265,781 

258,157 

63,351 

265,573 

Other Non-Franchised Retail 

211,721 

(43,627) 

168,094 

237,933 

(144,973) 

92,960 

TOTAL RETAIL 

Retail Property 

1,411,273 

(48,820) 

1,362,453 

1,136,636 

(190,814) 

945,822 

3,061,520 

(63,486) 

2,998,034 

2,040,088 

(1,848,851) 

191,237 

Property Developments for Resale 

16,186 

- 

16,186 

- 

- 

- 

TOTAL PROPERTY 

3,077,706 

(63,486) 

3,014,220 

2,040,088 

(1,848,851) 

191,237 

EQUITY INVESTMENTS 

45,688 

- 

45,688 

1,737 

- 

1,737 

OTHER 

188,513 

(58,141) 

130,372 

261,223 

(214,166) 

47,057 

TOTAL SEGMENT ASSETS/LIABILITIES 
BEFORE TAX 

8,218,642 

(2,393,267) 

5,825,375* 

4,356,378 

(2,393,267) 

1,963,111* 

*  Segment assets for FY21 and FY20 are exclusive of deferred tax assets.  Segment liabilities for FY21 and FY20 are exclusive of  
    income tax payable and deferred tax liabilities. 

 92 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

2  Operating Segments (continued) 

The consolidated entity operates predominantly in eleven (11) operating segments: 

Operating Segment 

   Description of Segment  

Franchising Operations 

   Consists of the franchisor operations of the consolidated entity, but does not include the results,  
assets, liabilities or operations of any Harvey Norman®, Domayne® and Joyce Mayne® franchisees. 

Retail – New Zealand 

Retail – Singapore &  
Malaysia 

Retail – Slovenia & 
Croatia 

Retail – Ireland &  
Northern Ireland 

   Consists of the wholly-owned operations of the consolidated entity in the retail trading operations in New 

Zealand under the Harvey Norman® brand name. 

   Consists of the controlling interest of the consolidated entity in the retail trading operations in  

Singapore and Malaysia under the Harvey Norman® and Space Furniture® brand names. 

   Consists of the wholly-owned operations of the consolidated entity in the retail trading operations in  

Slovenia and Croatia under the Harvey Norman® brand name. 

Consists of the wholly-owned operations of the consolidated entity in the retail trading operations in Ireland 
and Northern Ireland under the Harvey Norman® brand name. 

Other Non-Franchised 
Retail 

   Consists of the retail and wholesale trading operations in Australia which are wholly-owned or 

controlled by the consolidated entity, and does not include the operations of any Harvey Norman®,  
Domayne® and Joyce Mayne® franchisees. 

Retail Property 

   Consists of freehold land and buildings that are owned by the consolidated entity for each site that are fully 
operational or are ready for operations.  The revenue and results of this segment consists of rental income, 
outgoings recovered and the net property revaluation increments and/or decrements recognised in the 
Income Statement.  This segment includes the mining camp accommodation joint ventures. 

Retail Property Under 
Construction 

  Consists of freehold sites that are currently undergoing construction at balance date intended for retail  
leasing.  It also includes vacant land that has been purchased for the purposes of generating future  
investment income.  

Property Developments 
for Resale 

   Consists of freehold land and buildings acquired by the consolidated entity, to be developed, or currently 
under development, for the sole purpose of resale at a profit.  This segment includes land and buildings 
held for sale, which were previously reported in the Retail Property segment. 

 Equity Investments 

   This segment refers to the investment in, and trading of, equity investments. 

 Other 

   This segment primarily relates to credit facilities provided to related and unrelated parties and other  

unallocated income and expense items. 

An operating segment is a component of an entity that engages in business activities from which it may earn revenues and incur  
expenses (including revenues and expenses relating to transactions with other components of the same entity), whose operating results 
are regularly reviewed by the entity’s chief operating decision makers to make decisions about resources to be allocated to the segment 
and assess its performance and for which discrete financial information is available. This includes start-up operations which are yet to 
earn revenues. Management will also consider other factors in determining operating segments such as the existence of a line manager 
and the level of segment information presented to the Board of Directors. 

Operating segments have been identified based on the information provided to the chief operating decision makers—being the  
executive management team. The consolidated entity aggregates two or more operating segments when they have similar economic 
characteristics, and the segments are similar in each of the following respects: 
• 
• 
• 
• 
• 

Nature of the products and services; 
Nature of the production processes; 
Type or class of customer for the products and services; 
Methods used to distribute the products or provide the services; and, if applicable 
Nature of the regulatory environment. 

Operating segments that meet the quantitative criteria as prescribed by AASB 8 Operating Segments are reported separately. However, 
an operating segment that does not meet the quantitative criteria is still reported separately where information about the segment 
would be useful to users of the financial statements. Information about other business activities and operating segments that are below 
the quantitative criteria are combined and disclosed in a separate category as “other segments”. 

ANNUAL REPORT JUNE 2021 

 93 

 
 
  
  
  
  
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

3  Revenues 

Revenue from contracts with customers and franchisees: 

Sale of products to customers (a) 

Services to customers (c) 

Franchise fees in accordance with franchise agreements (b) 

Total revenue from contracts with customers and franchisees 

Other revenue from franchisees: 

Rent and outgoings received from franchisees 

Interest to implement and administer the financial accommodation facilities 

Total other revenue received from franchises (b) 

Gross revenue from other unrelated parties: 

Rent and outgoings received from external tenants 

Interest received from financial institutions and other parties 

Dividends received 

Total other revenue received from unrelated parties (c) 

Other income items: 

Net property revaluation increment on Australian freehold  
investment properties 

Property revaluation increment for overseas controlled entity 

Net revaluation increment of equity investments to fair value 

Other income 

Total other income items (c) 

Disclosed in the Income Statement as follows: 

(a) Sale of products to customers 

(b) Revenue received from franchisees 

(c) Revenues and other income items 

2,768,328 

33,496 

1,075,753 

3,877,577 

248,598 

21,431 

270,029 

98,006 

5,068 

2,340 

105,414 

138,686 

1,688 

8,763 

36,474 

185,611 

2,768,328 

1,345,782 

324,521 

2,294,913 

27,676 

780,237 

3,102,826 

247,291 

28,338 

275,629 

98,610 

6,388 

1,450 

106,448 

34,268 

688 

- 

25,915 

60,871 

2,294,913 

1,055,866 

194,995 

Revenue from Franchisees 
The application of AASB 15 Revenue from Contracts with Customers to franchise agreements with franchisees requires the consolidated 
entity to recognise revenue from franchisees based on the amount it expects to receive in exchange for the provision of franchising  
operations’ activities to franchisees, pursuant to a franchise agreement.   

Sale of goods 
The customer obtains control over the product upon delivery and revenue is therefore recognised at the point in time the product is 
delivered or handed over to the customer.  Revenue is measured based on the consideration expected to be received, net of trade  
rebates and discounts paid. 

Revenue from services  
The consolidated entity provides repair services, installation services and delivery services to customers.  These services are sold either 
in their own contracts with the customers or bundled together with the sale of products.  The consolidated entity recognises revenue 
when the service is rendered.  For bundled packages, the consolidated entity accounts for individual products and services separately, if 
they are distinct.   

 94 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

3  Revenues (continued) 

TYPES OF CONTRACTS $000 

Operating Segments 

30 June 2021 

Sale of Products to 
Customers 

Services to  
Customers 

Franchisee Fees 
from Franchisees 

Total Revenue 
from Contracts 
with Customers 

FRANCHISING OPERATIONS 

- 

- 

1,075,753 

1,075,753 

Retail — New Zealand 

Retail — Singapore & Malaysia 

Retail — Slovenia & Croatia 

Retail — Ireland & Northern Ireland 

Other Non-Franchised Retail 

TOTAL RETAIL 

Retail Property 

TOTAL PROPERTY 

EQUITY INVESTMENTS 

OTHER 

INTER-COMPANY ELIMINATIONS 

1,148,150 

16,446 

577,483 

179,223 

647,903 

224,538 

5,197 

2,385 

8,983 

485 

2,777,297 

33,496 

6 

6 

- 

2,805 

(11,780) 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

1,164,596 

582,680 

181,608 

656,886 

225,023 

2,810,793 

6 

6 

- 

2,805 

(11,780) 

TOTAL SEGMENT REVENUE 

2,768,328 

33,496 

1,075,753 

3,877,577 

TYPES OF CONTRACTS $000 

Operating Segments 

30 June 2020 

Sale of Products to 
Customers 

Services to  
Customers 

Franchisee Fees 
from Franchisees 

Total Revenue 
from Contracts 
with Customers 

FRANCHISING OPERATIONS 

- 

- 

780,237 

780,237 

Retail — New Zealand 

Retail — Singapore & Malaysia 

Retail — Slovenia & Croatia 

Retail — Ireland & Northern Ireland 

Other Non-Franchised Retail 

TOTAL RETAIL 

Retail Property 

TOTAL PROPERTY 

EQUITY INVESTMENTS 

OTHER 

INTER-COMPANY ELIMINATIONS 

960,185 

525,746 

154,362 

440,513 

224,780 

13,933 

4,818 

1,759 

6,604 

562 

2,305,586 

27,676 

25 

25 

- 

2,229 

(12,927) 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

974,118 

530,564 

156,121 

447,117 

225,342 

2,333,262 

25 

25 

- 

2,229 

(12,927) 

TOTAL SEGMENT REVENUE 

2,294,913 

27,676 

780,237 

3,102,826 

ANNUAL REPORT JUNE 2021 

 95 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

3  Revenues (continued) 

PRIMARY GEOGRAPHICAL MARKETS $000 

Operating Segments 

30 June 2021 

Australia 

New Zealand 

Asia 

Europe 

Total Revenue 
from Contracts 
with Customers 

FRANCHISING OPERATIONS 

1,075,753 

- 

Retail — New Zealand 

Retail — Singapore & Malaysia 

Retail — Slovenia & Croatia 

Retail — Ireland & Northern Ireland 

- 

- 

- 

- 

1,164,596 

- 

- 

- 

Other Non-Franchised Retail 

213,191 

11,832 

- 

- 

582,680 

- 

- 

- 

- 

- 

- 

181,608 

656,886 

- 

1,075,753 

1,164,596 

582,680 

181,608 

656,886 

225,023 

213,191 

1,176,428 

582,680 

838,494 

2,810,793 

TOTAL RETAIL 

Retail Property 

TOTAL PROPERTY 

EQUITY INVESTMENTS 

OTHER 

6 

6 

- 

2,805 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

6 

6 

- 

2,805 

(11,780) 

INTER-COMPANY ELIMINATIONS 

- 

(11,177) 

(603) 

TOTAL SEGMENT REVENUE 

1,291,755 

1,165,251 

582,077 

838,494 

3,877,577 

PRIMARY GEOGRAPHICAL MARKETS $000 

Operating Segments 

30 June 2020 

Australia 

New Zealand 

Asia 

Europe 

Total Revenue 
from Contracts 
with Customers 

FRANCHISING OPERATIONS 

780,237 

- 

Retail — New Zealand 

Retail — Singapore & Malaysia 

Retail — Slovenia & Croatia 

Retail — Ireland & Northern Ireland 

- 

- 

- 

- 

974,118 

- 

- 

- 

Other Non-Franchised Retail 

213,799 

11,563 

- 

- 

530,564 

- 

- 

- 

- 

- 

- 

156,121 

447,117 

- 

780,237 

974,118 

530,564 

156,121 

447,117 

225,362 

213,799 

985,681 

530,564 

603,238 

2,333,282 

TOTAL RETAIL 

Retail Property 

TOTAL PROPERTY 

EQUITY INVESTMENTS 

OTHER 

25 

25 

- 

2,229 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

25 

25 

- 

2,229 

(12,927) 

INTER-COMPANY ELIMINATIONS 

(1,891) 

(10,424) 

(612) 

TOTAL SEGMENT REVENUE 

994,379 

975,257 

529,952 

603,238 

3,102,826 

 96 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

4  Expenses and Losses 

Employee benefits expense: 

Wages and salaries * 

Workers compensation 

Superannuation contributions 

Payroll tax 

Share-based payments 

Other employee benefits 

Total employee benefits expense 

Finance costs: 

Interest on lease liabilities (accretion) 

Bank interest paid to financial institutions 

Other 

Total finance costs 

Occupancy expenses: 

Variable lease payments (including short-term and low-value leases) 

Property, plant and equipment: Right-of-use assets 
- Depreciation expense 

Investment properties (leasehold): Right-of-use assets 
- Fair value re-measurement 

Other occupancy expenses 

Total occupancy expenses 

Depreciation, amortisation and impairment: 

Depreciation of (excluding AASB 16 depreciation in occupancy  
expenses above): 

- Buildings 

- Plant and equipment 

Amortisation of: 

- Computer software 

- Net licence property and other intangible assets 

Impairment of non-current assets 

Impairment of other financial assets 

Total depreciation, amortisation and impairment 

351,110 

2,768 

16,782 

14,828 

1,488 

12,797 

399,773 

40,941 

7,975 

1,297 

50,213 

30,407 

62,908 

74,076 

75,675 

243,066 

9,276 

57,838 

19,777 

520 

- 

- 

87,411 

297,214 

3,236 

16,612 

12,414 

745 

10,461 

340,682 

40,538 

17,829 

1,427 

59,794 

25,844 

61,769 

74,206 

77,222 

239,041 

10,983 

55,033 

19,814 

1,786 

876 

300 

88,792 

*   These amounts are net of the following COVID-19 wages support and assistance received: 

• 

• 

$4.43 million received overseas, in aggregate, by our overseas company-operated stores in Malaysia, Singapore,  
Northern Ireland and Slovenia; and 

$3.63 million received in Australia by controlled non-franchised retail businesses in Australia.   

Subsequent to the year-end, in August 2021, all of the wages support and assistance received by controlled entities in Australia 
of $6.02 million (FY21: $3.63 million and FY20: $2.39 million) was repaid to the Federal Government via the Australian Taxation 
Office.  No provision has been made in the Statement of Financial Position as at 30 June 2021 for this post year-end repayment.   

ANNUAL REPORT JUNE 2021 

 97 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

5 

Income Tax 

(a) Income tax recognised in the Income Statement: 

Current income tax: 

Current income tax charge 

Adjustments in respect of current income tax of previous years 

Deferred income tax: 

Relating to the origination and reversal of temporary differences 

Total income tax expense reported in the Income Statement 

(b) Income tax recognised in the Statement of Changes in Equity : 

Deferred income tax: 

Net gain / (loss) on revaluation of cash flow hedges 

Net gain on revaluation of land and buildings 

Total income tax expense reported in other comprehensive income 

(c) Reconciliation between income tax expense and prima facie income tax: 

Accounting profit before tax 

At the Australian statutory income tax rate of 30% (2020: 30%)  

Adjustments to arrive at total income tax expense recognised for the year: 

Transactions undertaken by Harvey Norman Holdings Limited and Harvey 
Norman Holdings (Ireland) Limited as agreed under the terms of an  
Advance Pricing Arrangement with the Australian Taxation Office dated 6 
February 2012 

Adjustments in respect of current income tax of previous year 

Share-based payment expenses 

Expenditure not allowable for income tax purposes 

Income not assessable for income tax purposes  

Unrecognised tax losses 

Utilisation of previously unrecognised tax losses 

Tax concession for research and development expenses 

Difference between tax capital gain and accounting profit on revaluation of 
pre-CGT properties 

Non-allowable building and motor vehicle depreciation 

Reversal of non-allowable building depreciation due to a legislative change 
in New Zealand in FY20 

Receipt of fully franked dividends 

Sundry items 

Effect of different rates of tax on overseas income and exchange rate  
differences 

Total adjustments 

Total income tax reported in the Income Statement 

Effective income tax rate (%) 

 98 

ANNUAL REPORT JUNE 2021 

285,742 

(76) 

50,018 

335,684 

14 

5,578 

5,592 

1,182,529 

354,759 

11,125 

(76) 

129 

1,931 

(2,445) 

105 

(13,196) 

(189) 

(334) 

266 

- 

(771) 

(74) 

(15,546) 

(19,075) 

335,684 

28.39% 

180,801 

(462) 

(5,074) 

175,265 

(14) 

4,559 

4,545 

661,288 

198,386 

5,793 

(462) 

(36) 

1,194 

(894) 

294 

(7,899) 

(189) 

(304) 

488 

(14,766) 

(424) 

(382) 

(5,534) 

(23,121) 

175,265 

26.50% 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

5 

Income Tax (continued) 

Tax consolidation 
Harvey Norman Holdings Limited (HNHL) and its 100% owned Australian resident subsidiaries are members of a tax consolidated group. 
HNHL is the head entity of the tax consolidated group.  Members of the group have entered into a tax sharing agreement which  
provides for the allocation of income tax liabilities between the entities, should the head entity default on its tax payment obligations. At 
the balance date, the possibility of a default is remote. 

Wholly-owned companies of the tax consolidated group have entered into a tax funding agreement. The funding agreement provides for 
the allocation of current and deferred taxes on a modified standalone basis in accordance with the principles as outlined in UIG  
Interpretation 1052 Tax Consolidation Accounting.  The allocation of taxes under the tax funding agreement is recognised as an  
increase or a decrease in the inter-company accounts of the subsidiaries with the tax consolidated head entity. 

(d) Deferred income tax assets and liabilities: 

Deferred income tax at 30 June relates to the following: 

Deferred tax liabilities: 

STATEMENT OF FINANCIAL 
POSITION 

INCOME STATEMENT 

June 2021 
$000 

June 2020 
$000 

June 2021 
$000 

June 2020 
$000 

Revaluations of freehold investment properties to fair value 

(233,220) 

(193,801) 

40,982 

9,876 

Revaluations of owner-occupied land and buildings to fair value 

(45,125) 

(39,699) 

- 

- 

Non-allowable building depreciation in respect of properties in New 
Zealand 

Reversal of non-allowable building depreciation due to a legislative 
change in New Zealand in FY20 

Reversal of building depreciation expense for freehold investment 
properties  

Research and development 

Other items 

Total deferred tax liabilities  

Deferred tax assets: 

Employee provisions 

Unused tax losses and tax credits 

Right-of-use assets and lease liabilities 

Losses in respect of the Coomboona joint venture 

Other provisions 

Provisions for lease makegood 

Provision for executive remuneration 

Revaluations of owner-occupied land and buildings to fair value 

Total deferred tax assets* 

Total deferred tax  

- 

- 

(15,389) 

(760) 

1,897 

14,766 

- 

(14,766) 

(130,307) 

(116,570) 

13,969 

11,736 

(13,548) 

(15,279) 

(1,731) 

(1,123) 

(8,455) 

(5,020) 

3,795 

830 

(430,655) 

(370,992) 

10,904 

8,875 

19,146 

9,188 

7,416 

440 

968 

1,527 

58,464 

9,862 

3,444 

17,410 

11,365 

11,451 

401 

822 

1,527 

56,282  5

(1,221) 

(5,592) 

(1,702) 

300 

2,275 

(61) 

(146) 

- 

(120) 

(3,206) 

(8,013) 

300 

(2,397) 

(78) 

(10) 

- 

(372,191) 

(314,710)  5

50,018 

(5,074) 

* Of the total deferred tax assets of $58.46 million (30 Jun 2020: $56.28 million), $49.72 million (30 June 2020: $53.06 million) was 
offset with the deferred tax liabilities in accordance with the deferred income tax accounting policy outlined on page 100. 

The consolidated entity has not recognised deferred tax assets relating to tax losses of $88.71 million (2020: $176.00 million) which 
are available for offset against taxable profits of the companies in which the losses arose.  At 30 June 2021, no deferred tax liability 
has been recognised (2020: nil) in respect of the unremitted earnings of certain subsidiaries, associates or joint ventures. 

ANNUAL REPORT JUNE 2021 

 99 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

5 

Income Tax (continued) 

Current income tax 
Current income tax assets and liabilities are measured at the amount expected to the be recovered from or paid to the taxation  
authorities. The tax rates and tax laws used to compute the amount are those that are enacted or substantively enacted at the reporting 
date in the countries where the consolidated entity operates and generates taxable income.  Current income tax relating to items  
recognised directly in equity are recognised in equity, and not in the income statement. 

Deferred income tax 
Deferred tax is provided using the liability method on temporary differences between the tax bases of assets and liabilities and their 
carrying amounts for financial reporting purposes at the reporting date.  Deferred tax assets and liabilities are measured at the tax rates 
that are expected to apply in the year when the asset is realised or the liability is settled, based on tax rates and tax laws that have been 
enacted or substantively enacted at the reporting date.  Deferred tax assets and deferred tax liabilities are offset only if a legally  
enforceable right exists to set off current tax assets against current tax liabilities, and the deferred tax assets and liabilities relate to the 
same taxable entity and the same taxation authority.  Deferred tax items recognised outside the income statement are recognised in 
correlation to the underlying transaction either in other comprehensive income or directly in equity.   

Deferred tax assets are recognised for all deductible temporary differences, the carry forward of unused tax credits and unused tax  
losses, to the extent that it is probable that taxable profit will be available against which the deductible temporary differences and the 
carry forward of unused tax credits and unused tax losses can be utilised.  The carrying amount of deferred tax assets are reviewed at 
each reporting date and reduced to the extent that it is no longer probable that sufficient taxable profit will be available to allow all, or 
part of, the deferred tax asset to be utilised.  

Deferred tax assets and liabilities are not recognised if temporary differences arise from the initial recognition of an asset or liability in a 
transaction that is not a business combination and, at the time of the transaction, affects neither the accounting profit nor taxable profit 
or loss.  

Unrecognised deferred tax assets are reassessed at each reporting date and recognised to the extent that it has become probable that 
future taxable profit will allow the deferred tax asset to be recovered.  

Recovery of deferred tax assets 
Deferred tax assets are recognised for deductible temporary differences as the consolidated entity considers that it is probable that 
future taxable profit will be available to utilise those temporary differences.  Deferred tax assets are recognised for unused tax losses to 
the extent that it is probable that future taxable profit will be available against which the losses can be utilised.  Significant judgement is 
required to determine the amount of deferred tax assets that can be recognised, based upon the likely timing and the level of future 
taxable profits.    

 100 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

6  Earnings Per Share 

Basic earnings per share (cents per share) 

Diluted earnings per share (cents per share) 

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

67.53c 

67.45c 

The following reflects the income and number of HVN shares used in the calculation of basic and diluted earnings per share:  

Profit after tax 

Less: Profit after tax attributable to non-controlling interests 

Profit after tax attributable to owners of the parent 

846,845 

(5,431) 

841,414 

39.19c 

39.15c 

486,023 

(5,482) 

480,541 

NUMBER OF SHARES 

June 2021 
Number 

June 2020 
Number 

Weighted average number of ordinary shares used in calculating basic 
earnings per share (a) 

1,246,006,654 

1,226,271,429 

Effect of dilutive securities (b) 

1,413,644 

1,267,770 

Adjusted weighted average number of ordinary shares used in  
calculating diluted earnings per share 

(a)  Weighted Average Number of Ordinary Shares 

1,247,420,298 

1,227,539,199 

The weighted average number of ordinary shares used in calculating basic earnings per share for the 2020 financial year was 
inclusive of the new shares totalling 66,270,064 ordinary shares in the Company issued on 18 October 2019 pursuant to the  
pro-rata Entitlement Offer, weighted on a pro-rata basis from issue date to 30 June 2020.  As there were no new shares issued  
during the current year, the weighted average number of ordinary shares used in calculating basic earnings per share for the 
2021 financial year was the number of shares on issue as at 30 June 2021. 

(b)              Effect of Dilutive Securities  

Performance rights pursuant to Tranche FY19, Tranche FY20 and Tranche FY21 of the 2016 LTI Plan that have been issued to 
Executive Directors, but have not yet vested as at 30 June 2021, have been included in the calculation of dilutive earnings per 
share.   Refer to Table 4.  Performance Rights of Key Management Personnel for the Year Ended 30 June 2021 on page 57 of 
this report for further information.   

There have been no conversions to, calls of, or subscriptions for ordinary shares or issues of potential ordinary shares since the 
reporting date.   

Basic EPS is calculated as net profit attributable to members, adjusted to exclude costs of servicing equity (other than dividends),  
divided by the weighted average number of ordinary shares, adjusted for any bonus elements. 

Diluted EPS is calculated as net profit attributable to members, adjusted for: 
• 
• 

Costs of servicing equity (other than dividends); 

The after tax effect of dividends and interest associated with dilutive potential ordinary shares that have been recognised as 
expenses; and 

• 

Other non-discretionary changes in revenues or expenses during the year that would result from the dilution of potential shares, 
divided by the weighted average number of ordinary shares and dilutive potential ordinary shares, adjusted for any bonus  
element. 

ANNUAL REPORT JUNE 2021 

 101 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

7  Trade and Other Receivables  

Current 

Receivables from franchisees  

Trade receivables (a) 

Consumer finance loans (b) 

Allowance for expected credit loss (a) (b) 

Trade receivables, net 

Amounts receivable in respect of finance leases (c) 

Non-trade debts receivable from (d): 

- Related parties (including joint ventures and joint venture partners) 

- Unrelated parties 

Allowance for expected credit loss (d) 

Non-trade debts receivable, net 

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

793,228 

78,917 

2,094 

(3,578) 

77,433 

3,206 

1,824 

13,738 

(228) 

15,334 

352,359 

109,077 

2,258 

(3,716) 

107,619 

3,291 

23,059 

25,745 

(494) 

48,310 

Total trade and other receivables (current) 

889,201 

511,579 

Non-Current 

Trade receivables (a) 

Consumer finance loans (b) 

Allowance for expected credit loss (a) (b) 

Trade receivables, net 

Amounts receivable in respect of finance leases (c) 

Non-trade debts receivable from (d): 

- Related parties (including joint ventures and joint venture partners) 

- Unrelated parties 

Allowance for expected credit loss (d) 

Non-trade debts receivable, net 

Total trade and other receivables (non-current) 

6,703 

441 

(3) 

7,141 

713 

56,022 

29,352 

(20,668) 

64,706 

72,560 

7,276 

476 

(4) 

7,748 

912 

49,442 

19,835 

(28,668) 

40,609 

49,269 

Trade and other receivables 

Trade and other receivables are classified, at initial recognition, and subsequently measured at amortised cost if both of the following 
conditions are met: 
• 

The financial asset is held within a business model with the objective to hold financial assets in order to collect contractual  
cashflows, and 

• 

The contractual terms of the financial asset give rise on specific dates to cash flows that are solely payments of principal and 
interest on the principal amount outstanding. 

Financial assets at amortised cost are subsequently subjected to an expected credit loss assessment.  Gains or losses are recognised in 
the income statement when the asset is derecognised, modified or impaired.  The financial assets at amortised cost of the consolidated 
entity includes receivables from franchisees, trade receivables, consumer finance loans, non-trade debts receivable from related entities 
and unrelated entities and finance lease receivables. 

 102 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

7  Trade and Other Receivables (continued) 

Allowance for expected credit losses 
The consolidated entity recognises an allowance for expected credit losses (ECLs) for financial assets measured at amortised cost.  ECLs 
are based on the difference between the contractual cash flows due in accordance with the contract and all the cash flows that the  
consolidated entity expects to receive, discounted at an approximation of the original effective interest rate.  The expected cash flows 
will include cash flows from the sale of collateral held or other credit enhancements that are integral to the contractual terms. 

For receivables from franchisees, consumer finance loans and non-trade debts receivable from related entities and unrelated entities, 
the consolidated entity applies the general approach, as prescribed in AASB 9 Financial Instruments, in calculating ECLs.  For trade  
receivables and finance leases, the consolidated entity applies the simplified approach, as prescribed in AASB 9, in calculating ECLs.  
The consolidated entity has established a provision matrix that is based on its historical credit loss experience, adjusted for forward-
looking factors specific to the debtors and the economic environment.  

Receivables from franchisees 
Derni Pty Limited (Derni), a wholly-owned subsidiary of Harvey Norman Holdings Limited (HNHL), may, at the request of a  
franchisee, provide financial accommodation in the form of a revolving line of credit, to that franchisee.  The repayment of the  
indebtedness of that franchisee to Derni is secured by a security interest over all present and after-acquired property of that  
franchisee, pursuant to a General Security Deed (GSD). 

The receivables from franchisees balance of $793.23 million as at 30 June 2021 (2020: $352.36 million) comprises the aggregate of the 
balances due from each franchisee to Derni, and is net of any uncollectible amounts.  The indebtedness of each franchisee to Derni is 
reduced on a daily basis by an electronic funds transfer process.  Each franchisee directs the financial institution of that franchisee to 
transfer the net cash receipts in the bank account of the franchisee to Derni, in reduction of outstanding indebtedness.   

Receivables from franchisees have been measured at amortised cost.  The consolidated entity has performed a recoverability  
assessment as at 30 June 2021 to assess whether an allowance for expected credit loss was required in respect of the aggregate  
franchisee receivables balance.  This expected credit loss assessment was conducted by applying the general approach for provisioning 
for expected credit losses prescribed by AASB 9, and was applied to the carrying value of franchisee receivables as at 30 June 2021 
totalling $793.23 million (2020: $352.36 million).  Based on the assessment, there is no expected credit loss in respect of  
receivables from franchisees and therefore no allowance for expected credit loss has been raised as at 30 June 2021 (2020: nil). 
Receivables from franchisees are neither past due nor impaired as at 30 June 2021.   

(a) 

Trade receivables and allowance for expected credit loss 

Trade receivables are non-interest bearing and are generally on 30-day terms.  An allowance has been made for estimated  
unrecoverable trade receivable amounts arising from the past sale of goods and rendering of services when there is objective 
evidence that an individual trade receivable is impaired.  An impairment loss of $0.25 million (2020: $3.68 million) has been  
recognised by the consolidated entity in the current year for trade receivables.  This amount has been included in the other  
expenses line item in the Income Statement. 

The ageing analysis of current and non-current trade receivables is as follows: 
• 

• 

• 

$72.08 million of the trade receivables balance as at 30 June 2021 (2020: $91.30 million) are neither past due nor  
impaired.  It is expected that these balances will be collected by the consolidated entity on, or prior to, the due date. 
$9.98 million of the trade receivables balance as at 30 June 2021 (2020: $21.36 million) are past due but not impaired as 
there has not been a significant change in credit quality and the consolidated entity believes that the amounts are still 
considered recoverable.  The consolidated entity does not hold any collateral over these balances as at 30 June 2021 
(2020: nil). 
$3.56 million of the trade receivables balance as at 30 June 2021 (2020: $3.70 million) are past due and impaired, and 
have been provided for in full as at balance date. 

Past due but not impaired 

Past due and impaired 

Ageing  
Analysis 

2021 ($000) 

2020 ($000) 

Neither past 
due or  
impaired 

31-60 
Days 

61-90 
Days 

+90  
Days 

31-60 
Days 

61-90 
Days 

+90  
Days 

Total 

72,077 

91,301 

2,629 

2,193 

5,161 

8,593 

4,087 

8,675 

507 

78 

246 

98 

2,807 

3,521 

85,620 

116,353 

ANNUAL REPORT JUNE 2021 

 103 

 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

7  Trade and Other Receivables (continued) 

Reconciled to: 

Trade receivables (Current) 

Trade receivables (Non-current) 

Total trade receivables 

Movement in the allowance for expected credit loss for trade receivables were as follows: 

At 1 July  

Charge for the year 

Foreign exchange translation 

Amounts written off 

At 30 June 

78,917 

6,703 

85,620 

3,697 

254 

(16) 

(375) 

3,560 

109,077 

7,276 

116,353 

414 

3,684 

(10) 

(391) 

3,697 

(b)        Consumer finance loans and allowance for expected credit loss 
The consumer finance loans are non-interest bearing and are generally on 6 to 48 months interest-free terms.  The ageing analysis 
of current and non-current consumer finance loans is as follows: 
• 

$0.86 million of the consumer finance loans at 30 June 2021 (2020: $1.70 million) are neither past due nor impaired.  It is 
expected that these balances will be collected by the consolidated entity on, or prior to, the due date.   
If a customer has missed a repayment in a consumer finance loan, the remaining balance of the consumer finance loan is 
treated as past due.  $1.66 million of the consumer finance loans balance as at 30 June 2021 (2020: $1.01 million) are past 
due but not impaired.  The consolidated entity does not hold any collateral over these balances and believes that these 
amounts will be recovered.  
$0.02 million of the consumer finance loans at 30 June 2021 (2020: $0.02 million) are past due and impaired, and have 
been provided for in full as at balance date. 

• 

• 

Ageing  
Analysis 

2021 ($000) 

2020 ($000) 

Past due but not impaired 

Past due and impaired 

Neither past 
due or  
impaired 

31-60 
Days 

61-90 
Days 

+90  
Days 

31-60 
Days 

61-90 
Days 

+90  
Days 

Total 

858 

1,699 

393 

372 

297 

432 

966 

208 

- 

- 

- 

- 

21 

23 

2,535 

2,734 

Reconciled to: 

Consumer finance loans (Current) 

Consumer finance loans (Non-current) 

Total consumer finance loans 

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

2,094 

441 

2,535 

Movement in the allowance for expected credit loss for consumer finance loans were as follows: 

At 1 July  

Amounts written off 

At 30 June 

23 

(2) 

21 

 104 

ANNUAL REPORT JUNE 2021 

2,258 

476 

2,734 

36 

(13) 

23 

 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

7  Trade and Other Receivables (continued) 

(c)           Finance lease receivables and allowance for expected credit loss  

Finance lease receivables are reconciled as follows: 

Aggregate of minimum lease payments and guaranteed residual values: 

Not later than one year 

Later than one year but not later than five years 

Future finance revenue: 

Not later than one year 

Later than one year but not later than five years 

Reconciled to: 

Amounts receivable in respect of finance leases (current) 

Amounts receivable in respect of finance leases (non-current) 

Total finance lease receivables 

3,365 

758 

4,123 

(135) 

(69) 

3,919 

3,230 

689 

3,919 

3,438 

1,019 

4,457 

(147) 

(107) 

4,203 

3,291 

912 

4,203 

The consolidated entity offers finance lease arrangements as part of the consumer finance business.  Finance leases are offered in 
respect of motor vehicles and livestock with lease terms not exceeding 4 years.  All finance leases are at fixed rates for the term of 
the lease.  An expected credit loss allowance is made for estimated unrecoverable finance lease receivable amounts when there is 
objective evidence that a finance lease receivable is impaired.  No expected credit loss was recognised in the 2021 financial year 
(2020: nil).   

The ageing analysis of current and non-current finance lease receivables is as follows: 
• 

$1.20 million of the finance lease receivable balance as at 30 June 2021 (2020: $1.48 million) are neither past due nor  
impaired.  
$2.72 million of the finance lease receivable balance as at 30 June 2021 (2020: $2.72 million) are past due but not  
impaired.  These receivables are subject to regular monitoring to ensure that they are recoverable.  As at balance date, 
there were no events that required the consolidated entity to sell or re-pledge the secured leased assets. 

• 

(d)         Non-trade debts receivable and allowance for expected credit loss 
Non-trade debts receivable are generally interest-bearing and are normally payable at call.  The aggregate balance of current and 
non-current non-trade debts receivable as at 30 June 2021 was $100.94 million (2020: $118.08 million) as follows:   
• 

$54.15 million of the non-trade debts receivable balance as at 30 June 2021 (2020: $69.24 million) are neither past due 
nor impaired.  It is expected that these balances will be collected by the consolidated entity on, or prior to, the due date.   
$25.89 million of the non-trade debts receivable balance as at 30 June 2021 (2020: $19.68 million) are past due but not 
impaired.  These receivables are subject to regular monitoring and periodic impairment testing to ensure that they are 
recoverable.   
$20.90 million of the non-trade debts receivable balance as at 30 June 2021 (2020: $29.16 million) are past due and  
impaired, and have been provided for in full as at balance date. 

• 

• 

Ageing  
Analysis 

2021 ($000) 

2020 ($000) 

Neither past 
due or  
impaired 

54,150 

69,241 

Past due but not impaired 

Past due and impaired 

31-60 
Days 

61-90 
Days 

+90  
Days 

31-60 
Days 

61-90 
Days 

+90  
Days 

Total 

- 

- 

- 

- 

25,890 

19,678 

- 

- 

- 

- 

20,896 

29,162 

100,936 

118,081 

ANNUAL REPORT JUNE 2021 

 105 

 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

7  Trade and Other Receivables (continued) 

(d)         Non-trade debts receivable and allowance for expected credit loss  (continued) 

Reconciled to: 

Non-trade debts receivable (current) 

Non-trade debts receivable (non-current) 

Total non-trade debts receivables 

15,562 

85,374 

100,936 

Movement in the allowance for expected credit loss for non-trade debts receivable were as follows:  

At 1 July 

Charge for the year  

Reversal during the year (i)  

Utilisation of allowance for expected credit loss  

At 30 June  

29,162 

35 

(8,000) 

(301) 

20,896 

48,804 

69,277 

118,081 

30,272 

1,335 

(2,000) 

(445) 

29,162 

(i)         Non-trade debts receivable from mining camp joint venture: 

The consolidated entity has non-trade debts receivable from the mining camp joint ventures totalling $30.69 million (2020: 
$32.85 million) in aggregate as at 30 June 2021.   The recoverable amount of non-trade receivable from the mining camp joint 
ventures was assessed during the year.  An impairment reversal of $8.00 million was recognised in the current year (2020:   
impairment reversal of $2.00 million).  The total balance of the allowance for expected credit loss as at 30 June 2021 relating to 
non-trade receivables from the mining camp joint ventures was $3.23 million (2020: $11.23 million). 

The recoverable amount for these non-trade receivables have been determined based on the present value of estimated cash 
flow projections as at 30 June 2021 for a five-year period, based on financial budgets and the assets held as security.  The  
effective interest rate applied to the cash flow projections was 7.5%.  Cash flow projections were limited to five years due to the 
inherent risks associated with the mining industry.  

Each of the key assumptions in the impairment assessment were subject to significant accounting estimates and assumptions 
about future economic conditions and its impact on the ongoing trading performance of the mining camp joint ventures and the 
possible commencement of future projects which are currently out to tender.  Judgement has been made, based on available 
information, to each of these variables to assess the recoverable amount of the non-trade receivables as at balance date. 

 106 

ANNUAL REPORT JUNE 2021 

 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

8  Other Financial Assets 

Current 

Equity investments at fair value through profit or loss 

Derivatives receivable 

Total other financial assets (current) 

Non-Current 

Equity investments at fair value through other comprehensive income  

Units in unit trusts 

Other non-current financial assets 

Total other financial assets (non-current) 

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

41,281 

95 

41,376 

28,046 

414 

4,623 

33,083 

30,237 

- 

30,237 

15,451 

414 

2,311 

18,176 

Financial assets at fair value through profit or loss 
Financial assets at fair value through profit or loss include listed shares held for trading and derivative receivables.  Financial assets are 
classified as held for trading if they are acquired for the purpose of selling or repurchasing in the near term.  Derivatives are also  
classified as held for trading unless they are designated as effective hedging instruments.  Financial assets at fair value through profit or 
loss are carried in the statement of financial position at fair value with net changes in fair value recognised in the income statement.   

Financial assets at fair value through other comprehensive income (OCI) (equity instruments) 
Upon initial recognition, the consolidated entity can elect to classify irrevocably its equity investments as equity instruments designated 
at fair value through OCI when they meet the definition of equity under AASB 132 Financial Instruments: Presentation and are not held 
for trading.  The classification is determined on an instrument-by-instrument basis.  Gains and losses on these financial assets are not 
recycled to the income statement.  Dividends are recognised as other income in the income statement when the right of payment has 
been established.  Equity instruments designated at fair value through OCI are not subject to an impairment assessment.  

9 

Inventories (Current) 

Finished goods at cost 

Provision for obsolescence 

Total inventories (current) 

490,015 

(10,922) 

479,093 

402,363 

(10,379) 

391,984 

Inventories are valued at the lower of cost and net realisable value and are recorded net of all volume rebates, marketing and business 
development contributions and settlement discounts.  Costs are on a weighted average basis and include the acquisition cost, freight, 
duty and other inward charges.  Net realisable value is the estimated selling price in the ordinary course of business, less estimated costs 
necessary to make the sale. 

ANNUAL REPORT JUNE 2021 

 107 

 
 
 
   
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

10  Other Assets (Current) 

Prepayments 

Other current assets 

Total other assets (current) 

11  Intangible Assets  

Current 

Net licence property (current) 

Non-Current 

Net licence property 

Other intangible assets 

Computer software: 

At cost 

Accumulated amortisation and impairment 

Net computer software 

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

36,803 

2,752 

39,555 

258 

1,981 

90 

232,571 

(170,974) 

61,597 

30,723 

4,149 

34,872 

278 

2,494 

156 

214,688 

(154,335) 

60,353 

Total net intangible assets (non-current) 

63,668 

63,003 

Reconciliation of non-current computer software is as follows: 

Opening balance 

Additions 

Disposals 

Amortisation 

Net foreign currency differences arising from foreign operations 

Net computer  software (non-current) 

60,353 

20,791 

(36) 

(19,777) 

266 

61,597 

61,910 

19,167 

(921) 

(19,814) 

11 

60,353 

Intangible assets  
Intangible assets, consisting of capitalised computer software assets, capitalised development expenditure and licence property are 
carried at cost less any accumulated amortisation and accumulated impairment losses.  Intangible assets are amortised on a straight line 
basis over their estimated useful lives, but not greater than a period of eight and a half (8.5) years.   

Intangible assets are tested for impairment where there are any indicators of impairment, either individually or at the cash generating 
unit level.  Useful lives are also examined on an annual basis and adjustments, where applicable, are made on a prospective basis.  The 
amortisation expense on intangible assets with finite lives are recognised in the income statement in the expense category consistent 
with the function of the intangible asset.   

Gain or loss arising from the derecognition of an intangible asset is measured as the difference between the net disposal proceeds and 
the carrying amount of the intangible asset, and is recognised in the income statement when the intangible asset is derecognised. 

 108 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

12  Property, Plant and Equipment 

Land at fair value 

Buildings at fair value 

Land and buildings at fair value (a) 

Plant and equipment: 

At cost 

Accumulated depreciation 

Net plant and equipment 

Total property, plant and equipment: 

Land and buildings at fair value 

Plant and equipment at cost 

Total property, plant and equipment 

Accumulated depreciation  

Total written down amount of property, plant and equipment 

Reconciliation of the carrying amounts of property, plant & equipment were as follows: 
Land at fair value  

Opening balance 

Additions 

Disposals 

Increase resulting from revaluation 

Reclassification to leasehold properties: right-of-use assets 

Net foreign currency differences arising from foreign operations 

Closing balance 

Buildings at fair value  

Opening balance 

Additions 

Disposals 

Increase resulting from revaluation 

Depreciation for the year 

Reclassification to leasehold properties: right-of-use assets 

Net foreign currency differences arising from foreign operations 

Closing balance 

Net land and buildings at fair value (a) 

185,916 

265,173 

451,089 

798,335 

(519,577) 

278,758 

451,089 

798,335 

1,249,424 

(519,577) 

729,847 

150,235 

1,685 

- 

35,910 

- 

(1,914) 

185,916 

252,681 

3,222 

(646) 

21,938 

(9,210) 

- 

(2,812) 

265,173 

451,089 

150,235 

252,681 

402,916 

837,764 

(577,791) 

259,973 

402,916 

837,764 

1,240,680 

(577,791) 

662,889 

199,078 

3,372 

(1,809) 

8,925 

(57,641) 

(1,690) 

150,235 

242,135 

16,471 

(1,542) 

20,477 

(10,897) 

(10,930) 

(3,033) 

252,681 

402,916 

(a) The net book value of land and buildings (other than land and buildings classified as freehold investment properties) would have 
been $191.43 million (2020: $199.36 million) if measured on a historical cost basis. 

ANNUAL REPORT JUNE 2021 

 109 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

12  Property, Plant and Equipment (continued) 

Reconciliation of the carrying amounts of property, plant and equipment (continued): 

Plant and equipment at cost: 

Opening balance 

Additions 

Disposals 

Net foreign currency differences arising from foreign operations 

Closing balance 

Plant and equipment accumulated depreciation: 

Opening balance 

Depreciation for the year 

Disposals 

Net foreign currency differences arising from foreign operations 

Closing balance 

Net book value plant and equipment 

Leased plant and equipment at cost: 

Opening balance 

Reclassification to leasehold properties: right-of-use assets 

Closing balance 

Leased plant and equipment accumulated depreciation: 

Opening balance 

Reclassification to leasehold properties: right-of-use assets 

Closing balance 

Net book value leased plant and equipment 

Lease make good asset at cost: 

Opening balance 

Disposals 

Net foreign currency differences arising from foreign operations 

Reclassification to leasehold properties: right-of-use assets 

Closing balance 

Lease make good asset accumulated depreciation: 

Opening balance 

Disposals 

Net foreign currency differences arising from foreign operations 

Reclassification to leasehold properties: right-of-use assets 

Closing balance 

Net book value lease  make good asset 

837,764 

83,776 

(115,390) 

(7,815) 

798,335 

577,791 

57,838 

(110,938) 

(5,114) 

519,577 

278,758 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

822,143 

71,773 

(53,758) 

(2,394) 

837,764 

573,729 

55,033 

(48,705) 

(2,266) 

577,791 

259,973 

6,819 

(6,819) 

- 

3,371 

(3,371) 

- 

- 

7,042 

(17) 

18 

(7,043) 

- 

3,910 

(17) 

11 

(3,904) 

- 

- 

Total written down amount of property, plant and equipment 

729,847 

662,889 

 110 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

12  Property, Plant and Equipment (continued) 

Freehold owner-occupied properties 
Following initial recognition at cost, owner-occupied land and buildings are carried at fair value less any subsequent accumulated  
depreciation and accumulated impairment losses.  Depreciation is calculated on a straight-line basis over the estimated useful life of the 
asset as follows: 
• 
• 

Land – not depreciated 

Buildings – 20 to 40 years 

Any revaluation surplus is recorded in other comprehensive income and credited to the asset revaluation reserve in equity.  However, to 
the extent that it reverses a revaluation decrease of the same asset previously recognised in the income statement, the increase is  
recognised in the income statement.  Any revaluation deficit is recognised in the income statement, except to the extent that it offsets a 
previous surplus of the same asset in the asset revaluation reserve.  Any accumulated depreciation as at revaluation date is eliminated 
against the gross carrying amount of the asset and the net amount is restated to the fair value of the asset.  Valuations are performed 
with sufficient regularity to ensure that the carrying amount does not differ materially from the fair value of the asset at the balance date.  

Plant and equipment assets 
Plant and equipment assets are recognised at historical cost less accumulated depreciation and any accumulated impairment losses.  
Depreciation is calculated on a straight-line basis over the estimated useful life of the plant and equipment assets (3 to 20 years).  The 
residual values, useful lives and amortisation methods of plant and equipment assets are reviewed, and adjusted if appropriate, at each 
financial year end.   

Derecognition and disposal 
An item of property, plant and equipment is derecognised upon disposal or when no future economic benefits are expected from its 
use or disposal.  Any gain or loss arising on derecognition of the asset (calculated as the difference between the net disposal proceeds 
and the carrying amount of the item) is included in the income statement when the asset is derecognised. 

Valuation of freehold owner-occupied properties 
The consolidated entity values land and buildings at fair value.  Fair value is determined by reference to market-based evidence, which is 
the amount for which the assets could be exchanged between a knowledgeable, willing buyer and a knowledgeable, willing seller in an 
arm’s length transaction as at the valuation date.   

The Board of Directors make an assessment of the fair value of each freehold owner-occupied property as at balance date.  This  
assessment is informed by:  
• 

the information and advice contained in the last independent external valuation report for that property prepared by an external 
professionally qualified valuer who holds a recognised relevant professional qualification and has specialised expertise in the 
property being valued (Independent Valuer); 

• 
• 
• 

the information and advice in the last internal valuation report for that property; 

the last management review for that property; and  

other information and professional or expert advice given or prepared by reliable and competent persons in relation to that 
property. 

Independent External Valuations 
Commencing from 1 January 2020, the entire freehold owner-occupied property portfolio is being independently valued by an  
Independent Valuer at least once every two (2) years. 

Internal Valuation and Reviews 
Freehold owner-occupied properties not independently externally valued as at balance date are subject to an internal valuation or a 
management review, performed by persons qualified by relevant education, training or experience.  The key assumptions used to  
determine the fair value of freehold owner-occupied properties, and the relevant sensitivity analysis, are disclosed in Note 12(b) and 
Note 12(c).  

Financial Reporting Impacts of COVID-19: 
Land of $185.92 million and buildings of $265.17 million are measured at fair value at 30 June 2021.  Land and buildings  measured at 
fair value are also subject to similar valuation uncertainties as described in Note 14. Investment Properties: Freehold.  The COVID-19 
pandemic has created a degree of uncertainty regarding the assessment of fair value, particularly around the critical assumptions  
regarding market rents, capitalisation rates, terminal yields and discount rates.  As a result, estimated fair values may change significantly 
and unexpectedly over a relatively short period of time. 

ANNUAL REPORT JUNE 2021 

 111 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

12  Property, Plant and Equipment (continued) 

(a)        Reconciliation of owner occupied properties—land and building at fair value 

New Zealand  

Slovenia  

Singapore  

Ireland 

Australia 

Total  

Retail 
$000 

Warehouse 
$000 

Retail 
$000 

Warehouse 
$000 

Office 
$000 

Retail 
$000 

Retail 
$000 

2021 
$000 

2020 
$000 

282,797 

5,298 

80,314 

- 

8,093 

16,364 

10,050 

402,916 

441,213 

2,773 

(645) 

57,544 

- 

- 

- 

- 

- 

- 

(6,712) 

(93) 

(1,950) 

- 

- 

- 

(1,104) 

(21) 

(2,637) 

1,684 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

305 

448 

4,905 

19,843 

- 

- 

(645) 

(3,351) 

57,849 

29,402 

(19) 

(308) 

(128) 

(9,210) 

(10,897) 

- 

- 

(426) 

(538) 

- 

- 

- 

(68,571) 

(4,726) 

(4,723) 

334,653 

5,184 

75,727 

1,684 

7,648 

15,823 

10,370 

451,089 

402,916 

Opening  
balance 

Additions 

Disposals 

Fair value  
adjustments 

Depreciation 
for the year 

Transfer to 
property: ROU 
assets 

Net foreign 
currency  
differences 

Closing  
balance 

(b)        Fair value measurement, valuation techniques and inputs 

Class of property 

Fair value 
hierarchy* 

Fair value 
30 June 2021 
$000 

Valuation Technique 

Key  
unobservable inputs 

Range of  
unobservable 
inputs 

Retail  

Level 3  

436,573 

Warehouse 

Level 3  

6,868  

Office  

Level 3 

7,648 

Discounted cash flow 

Terminal Yield 

3.1% - 7.8% 

Discount Rate 

4.0% - 8.5% 

Income capitalisation 

Net market rent per sqm p.a 

$98 - $362 

Capitalisation Rate 

4.5% - 7.9% 

Direct sale comparison 

Price per sqm of lettable area 

$7,621 

Discounted cash flow 

Terminal Yield 

Discount Rate 

Income Capitalisation 

Net market rent per sqm p.a 

5.9% 

6.6% 

$98 

Discounted cash flow 

Capitalisation Rate 

5.60% 

Terminal Yield 

Discount Rate 

3.5% 

4.0% 

Income capitalisation 

Net market rent per sqm p.a 

$215-$250 

Capitalisation Rate 

3.3% 

Direct sale comparison 

Price per sqm of lettable area 

$7,266 - $9,026 

TOTAL 

451,089 

* Level 3 - fair value is estimated using inputs that are not based on observable market data.  

 112 

ANNUAL REPORT JUNE 2021 

 
 
 
 
  
 
  
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

12  Property, Plant and Equipment (continued) 

(b) 

Fair value measurement, valuation techniques  
and inputs (continued) 

The income capitalisation method of valuation was used for the 
valuation of retail and warehouse properties in New Zealand.  A 
discounted cash flow method was undertaken in respect of the 
same properties as a secondary method.  There were no  
material differences between the income capitalisation method 
result and the discounted cash flow method result.  The income  
capitalisation method of valuation was used for the valuation of 
one (1) retail owner-occupied property in Australia.  A direct 
sale comparison method was used for the same property as a 
secondary method.  There were no material differences  
between the income capitalisation method result and the direct 
sale comparison method result.  The income capitalisation 
method of valuation was used for the valuation of retail  
properties in Slovenia and one (1) retail property in Ireland.  
The income capitalisation method, the direct sale comparison 
method and the discounted cash flow method were used for 
the valuation of office properties in Singapore.     

The table on the previous page includes the following  
descriptions and definitions relating to valuation techniques 
and key unobservable inputs used in determining the fair value: 

Income capitalisation method 
Under the income capitalisation method, a property’s fair value 
is estimated using the current market rental value generated by 
the property, which is divided by the appropriate market  
capitalisation rate.  

Discounted cash flow (“DCF”) method 
Under the DCF method, a property’s fair value is estimated  
using explicit assumptions about the benefits and liabilities of 
ownership over the asset’s life, including terminal value.  This 
involves the projection of a series of cash flows and the  
application of an appropriate market-derived discount rate to 
establish the present value of the income stream. 

Direct sale comparison method 
Under the direct sale comparison method, a property’s fair  
value is estimated based on comparable transactions. The unit 
of comparison applied by the consolidated entity is the price 
per square metre. 

Net market rent 
Net market rent is the estimated amount for which a  
property or space within a property could lease between a  
willing lessor and a willing lessee on appropriate lease terms in 
an arm’s length transaction, after proper marketing and wherein 
the parties have each acted knowledgeably, prudently and 
without compulsion.  In addition, an allowance for recoveries of 
lease outgoings from tenants is made on a pro-rata basis 
(where applicable). 

Capitalisation rate 
The rate at which net market income is capitalised to  
determine the value of a property.  The rate is determined by 
reference to market evidence and independent external  
valuations received. 

Terminal yield 
The capitalisation rate used to convert income into an  
indication of the anticipated value of the property at the end of a 
given period when carrying out a discounted cash flow  
calculation.  The rate is determined by reference to market  
evidence and independent external valuations received. 

Discount rate 
Rate used to discount the net cash flows generated from rental 
activities during the period of analysis.  The rate is determined by 
reference to market evidence and independent external  
valuations received. 

Price per square metre 
Price per square metre is obtained based on recent transactions 
of similar properties around the vicinity.  Appropriate adjust-
ments are made between the comparables and the property to 
reflect the differences in size, tenure, location, condition and 
prevailing market conditions and all other  
relevant factors affecting its value.  

(c) Sensitivity information 

Key unobservable 
 inputs 

Impact on fair value 
for significant  
increase in input 

Impact on fair value 
for significant  
decrease in input 

Net market rent 

Increase 

Decrease 

Capitalisation rate 

Terminal yield 

Discount rate 

Decrease 

Decrease 

Decrease 

Increase 

Increase 

Increase 

Price per square metre 

Increase 

Decrease 

The net market rent of a property and the capitalisation rate are 
key inputs of the income capitalisation valuation method.  The 
income capitalisation valuation method incorporates a direct 
interrelationship between the net market rent of a property and 
its capitalisation rate.  This methodology involves assessing the 
total net market income generated by the  property and  
capitalising this in perpetuity to derive a capital value.  Significant 
increases (or decreases) in rental returns and rent growth per 
annum in isolation would result in a significantly higher (or lower) 
fair value of the properties.  There is an inverse relationship  
between the capitalisation rate and the fair value of properties.  
Significant increases (or decreases) in the capitalisation rate in 
isolation would result in a significantly lower (or higher) fair value 
of the properties.  The discount rate and terminal yield are key 
inputs of the discounted cash flow method.  The discounted cash 
flow method incorporates a direct interrelationship between the  
discount rate and the terminal yield as the discount rate applied 
will determine the rate in which the terminal value is discounted 
to present value.  Significant increases (or decreases) in the  
discount rate in isolation would result in a significantly lower (or 
higher) fair value.  Similarly, significant increases (or decreases) in 
the terminal yield in isolation would result in a significantly lower 
(or higher) fair value.  In general, an increase in the discount rate 
and a decrease in the terminal yield could potentially offset the 
impact on the fair value of the properties.  

ANNUAL REPORT JUNE 2021 

 113 

 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

12  Property, Plant and Equipment (continued) 

(d)       Highest and best use 
For all freehold owner-occupied properties that are measured at fair value, the current use of the property is considered its highest 
and best use.  

13  Property, Plant and Equipment: Right-Of-Use Assets (ROUA) 

CONSOLIDATED 

Leasehold 
properties:  
ROUA 
$000 

Plant and 
equipment: 
ROUA 
$000 

Total ROUA 
$000 

AASB 16 transition adjustments 

Reclassification of pre-existing balances 

447,575   

71,330   

2,144   

3,448   

As at 1 July 2019 

New and modified leases 

Leases exited 

Depreciation 

Foreign currency 

As at 30 June 2020 

As at 1 July 2020 

New and modified leases 

Leases exited 

Depreciation 

Foreign currency 

As at 30 June 2021 

518,905 

53,535 

(535) 

(59,619) 

(3,066) 

509,220 

509,220 

81,116 

(5,390) 

(60,788) 

(16,868) 

507,290 

5,592 

1,102 

- 

(2,150) 

18 

4,562 

4,562 

1,490 

- 

(2,120) 

(55) 

3,877 

449,719 

74,778 

524,497 

54,637 

(535) 

(61,769) 

(3,048) 

513,782 

513,782 

82,606 

(5,390) 

(62,908) 

(16,923) 

511,167 

(a)     The leasehold properties relate to leases of owner-occupied properties.  

Australia 

New Zealand 

Singapore & Malaysia 

Slovenia & Croatia 

Ireland & Northern Ireland 

Total lease liabilities of leases of owner occupied properties and plant and 
equipment assets 

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

30,181 

113,083 

244,163 

19,235 

104,505 

511,167 

35,144 

109,244 

245,443 

11,301 

112,650 

513,782 

Property, Plant and Equipment: Right-of-Assets 
The consolidated entity recognises right-of-use assets in respect of leases of property, plant and equipment at the commencement date 
of the lease (i.e. the date the underlying asset is available for use).  The initial measurement of right-of-use assets includes the amount of 
lease liabilities recognised, initial direct costs incurred, and lease payments made at or before the commencement date, less any lease 
incentives received.  Right-of-use assets are subsequently measured at cost, less any accumulated depreciation and impairment losses, 
and adjusted for any re-measurement of lease liabilities.  The right-of-use assets are depreciated on a straight-line basis over the shorter 
of its estimated useful life and the lease term.  Right-of-use assets are subject to an impairment assessment under AASB 136 Impairment 
of Assets at each reporting date.  

 114 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

14  Investment Properties: Freehold 

Opening balance at beginning of the year, at fair value 

Net additions, disposals and transfers 

Net increase from fair value adjustments 

Closing balance at end of the year, at fair value 

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

2,593,330 

171,805 

140,374 

2,905,509 

2,508,951 

50,111 

34,268 

2,593,330 

Below is a list of the top 20 freehold investment properties ranked in order of fair value as at 30 June 2021: 

Property 

Last independent 
valuation date 

Independent 
valuation at last 
valuation date  
($000) 

Fair value 
30 June 2021 
($000) 

Cap rate 
30 June 2021 
% 

Penrith Homemaker Centre — Harvey Norman® / Domayne® 

30 Jun 2019 

      158,000  

Springvale Homemaker Centre — Harvey Norman® / Domayne® 

30 Jun 2020 

      142,000  

Watergardens Homeplace — Harvey Norman® (a) 

N/A 

 N/A  

197,800 

151,800 

102,426 

6.00% 

6.25% 

n/a 

Maroochydore Homemaker Centre — Harvey Norman® /  
Domayne® / Joyce Mayne® 

30 Jun 2021 

        98,000  

98,000 

6.75% 

Silverwater  Warehouse Complex 

Alexandria Complex — Domayne® 

31 Dec 2020 

        68,000  

30 Jun 2020 

        63,000  

Toowoomba Centre Complex — Harvey Norman®  

31 Dec 2019 

        61,800  

The Cambridge Park Centre — Harvey Norman® / Domayne® 

31 Dec 2020 

        61,300  

Perth City West Complex — Harvey Norman® / Domayne® (b) 

30 Jun 2020 

        57,500  

Auburn Complex — Domayne® (c) 

30 Jun 2020 

        55,000  

Albury Homemaker Centre — Harvey Norman®  

30 Jun 2021 

        54,000  

Auburn Flagship Store Complex — Harvey Norman®  

30 Jun 2021 

        51,000  

Maribyrnong Complex — Harvey Norman®  

31 Dec 2020 

        50,000  

Rutherford (Maitland) Complex — Harvey Norman® / Domayne® 

31 Dec 2020 

        47,300  

Browns Plains Homemaker Centre — Harvey Norman®  

31 Dec 2020 

        46,000  

Gepps Cross Home HQ — Harvey Norman® (b) 

30 Jun 2021 

        42,500  

Munno Para Shopping City — Harvey Norman®  

31 Dec 2020 

        42,200  

Bendigo Homemaker Centre  

30 Jun 2021 

        41,500  

Devonport Homemaker Centre — Harvey Norman®  

31 Dec 2018 

        34,000  

Cannington Complex — Harvey Norman®  

31 Dec 2020 

        36,000  

68,976 

67,700 

64,700 

61,462 

59,077 

55,072 

54,000 

51,000 

50,013 

47,584 

47,400 

42,500 

42,207 

41,500 

38,900 

36,427 

6.50% 

6.00% 

7.25% 

8.00% 

7.00% 

n/a 

7.25% 

5.75% 

6.50% 

7.50% 

7.25% 

6.75% 

7.50% 

6.50% 

7.00% 

7.50% 

TOTAL TOP 20 INVESTMENT PROPERTIES 

1,378,544* 

The fair value of the top 20 freehold investment properties amounted to $1.38 billion as at 30 June 2021, representing 47.4% of the 
total fair value of freehold investment properties of $2.91 billion.  The fair value of the remaining 117 freehold investment properties as 
at 30 June 2021 totalled $1.53 billion, representing 52.6% of the portfolio as at balance date.    

(a) 
(b) 
(c) 

The investment property was acquired in April 2021.  
Balances represent the consolidated entity’s 50% ownership interest in the investment property.  
The direct sale comparison method was adopted in the last independent valuation. 

*  The difference between the fair value of the freehold investment property as at 30 June 2021 and the independent valuation as at   
    the last valuation date mainly relates to Internal Valuations and Reviews and capital additions in respect of the freehold investment  
    property between the periods.   

ANNUAL REPORT JUNE 2021 

 115 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

14  Investment Properties: Freehold (continued) 

Valuation of Freehold Investment Properties 
Each freehold investment property, which is property held to 
earn rentals and/or for capital appreciation is initially measured 
at cost, including transaction costs, and subsequently valued at 
fair value.  Fair value is the price that would be received to sell 
an asset or paid to transfer a liability in an orderly transaction 
between market participants at the measurement date.  Gains 
and losses arising from changes in fair value of freehold  
investment properties are recognised in the income statement 
in the period in which they arise.  An investment property is  
derecognised when the property has been disposed of.  The 
difference between the net disposal proceeds and the carrying 
amount of the asset is recognised in the income statement in 
the period of derecognition.  

Each freehold investment property is the subject of a lease or 
licence in favour of independent third parties, including Harvey 
Norman®, Domayne® and Joyce Mayne® franchisees. 

Valuation Approach: 
The Board of Directors make an assessment of the fair value of 
each freehold investment property as at balance date.  This 
assessment is informed by: 
• 

the information and advice contained in the last  
independent external valuation report for that property 
prepared by an external, professionally qualified valuer 
who holds a recognised relevant professional  
qualification and has specialised expertise in the  
property being valued (Independent Valuer); 

• 

• 
• 

the information and advice contained in the last internal 
valuation report for that property (which was informed 
by the immediately preceding independent external 
valuation report for that property); 

the last management review for that property; and  

other information and professional or expert advice 
given or prepared by reliable and competent persons in 
relation to that property. 

Independent External Valuations 
Commencing from 1 January 2020, the entire freehold  
investment property portfolio in Australia is being valued by an 
Independent Valuer at least once every two (2) years on a  
rotational basis.   

For the 2021 financial year, sixty-seven (67) valuations of  
freehold investment properties were performed by an  
Independent Valuer: thirty-five (35) at 31 December 2020 and 
thirty-two (32) at 30 June 2021.  This represents a total of 48.9% 
of the number of freehold investment properties independently 
externally valued this year, and 44.3% in terms of the fair value 

of the freehold investment property portfolio in Australia  
subject to independent external valuation.  In addition, two (2) 
freehold investment properties in New Zealand were subject to 
independent external valuations this year.    

Internal Valuations and Reviews  
Freehold investment properties not independently externally 
valued as at balance date are subject to an internal valuation or 
a management review, performed by persons qualified by  
relevant education, training or experience.  Each internal  
valuation and management review is informed by the last  
independent external valuation and reliable market evidence.  
For the current year, nineteen (19) freehold investment  
properties had been affected by the same factors as the  
properties which had been independently externally valued.  
As a consequence, internal valuations for these nineteen (19)  
properties were undertaken to determine the effect of these 
factors. 

Valuation Methodologies: 
The fair value in respect of each freehold investment property 
has been calculated primarily using the income capitalisation 
method of valuation, using the current market rental value, and 
having regard to, in respect of each property: 
• 
• 
• 
• 

the highest and best use of the property  

the age and condition of improvements  

the quality of construction  

recent market sales data in respect of comparable  
properties 

• 

• 
• 
• 
• 

current market rental value, being the amount that 
could be exchanged between knowledgeable, willing 
parties in an arm’s length transaction  

the tenure of franchisees and external tenants  

adaptive reuse of buildings 

non-reliance on turnover rent 

other specific circumstances of the property  

As a secondary method, a discounted cash flow valuation or a 
direct sale comparison valuation is undertaken as a check  
method. 

The fair value of a freehold investment property under  
construction is determined using the income capitalisation 
method by estimating the fair value of the property as at the 
relevant completion date less the remaining costs to complete 
and allowances for associated risk.  As a secondary method, a  
discounted cash flow valuation is undertaken.  An internal  
valuation or management review is performed for any property 
less than 75% complete where there is an indication of a  
substantial change in the risks or benefits to warrant an earlier 
assessment.  Normally, the direct sale comparison method of 
valuation is used for properties held for future development.   

 116 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

14  Investment Properties: Freehold (continued) 

Financial Reporting Impacts of COVID-19 (continued): 
The large-format retail market in Australia has proven to be a resilient and buoyant asset class, underpinned by the strength of the Home & 
Lifestyle retail sector, during the COVID-19 pandemic.  Investor competitiveness for scarce, well-located large-format property  
investments, with strong national lease covenants and lease tenures, has contributed to the surge in large-format retail values.  

Despite the recent buoyancy of the large-format retail market, the pandemic continues to produce a degree of uncertainty regarding the 
assessment of fair value of freehold investment properties, particularly around the critical assumptions regarding market rents,  
capitalisation rates, terminal yields and discount rates.  A large portion of the independent external valuation reports received during FY21 
continued to contain the ‘significant valuation uncertainty’ clauses that were present in independent valuation reports received for the  
previous year ended 30 June 2020.  This clause continues to imply that valuations are current at the valuation date only, and less certainty 
and a higher degree of caution should be attached to the valuation.  Estimated fair values may change significantly and unexpectedly over 
a relatively short period of time.  Adjustments may have been made by the independent external valuer to one or a number of valuation 
inputs and estimates, where appropriate, including lower probabilities of tenant recoveries, lower market rent growth rates, potential  
estimated rent relief, longer lease up periods, increased leasing allowances and adjustments to capitalisation and discount rates to reflect 
the uncertainty in the amount and timing of cash flows due to COVID-19. 

Consistent with June 2020, the inclusion of the ‘significant valuation uncertainty’ clause does not mean that the valuation cannot be relied 
upon.  Rather, the clause brings attention to the extraordinary circumstances arising from COVID-19, and therefore there is less certainty 
regarding some of the critical assumptions in the valuation process than would otherwise be the case.  

However, it is important to note that some of the independent external valuation reports received during FY21 no longer contained the 
‘significant valuation uncertainty’ clauses, but instead highlighted the potential short-term income risks, possible increased incentives and 
the ongoing uncertainties that COVID-19 could continue to present that may impact the global economy.   

Where appropriate, directors have adopted a similar approach in the internal valuation and review process as used for independent  
external valuations. 

As at balance date, the fair value of the freehold investment property portfolio incorporates a judgement and best estimate of the impact 
of COVID-19, using the information available at the time of preparing the valuations.  The duration and depth of the pandemic are still 
unknown, and, in the event the impacts of the COVID-19 pandemic are more severe or prolonged than anticipated, this may have an  
adverse impact on the fair value of the freehold investment property portfolio.     

A similar approach has been applied to the land and buildings measured at fair value of $451.09 million as disclosed in Note 12. Property, 
Plant and Equipment.  

(a) Reconciliation of investment properties: freehold 

New Zealand  

Australia 

Total  

Retail 

$000 

Warehouse 

Retail 

Warehouse 

Office 

$000 

$000 

$000 

$000 

2021 

$000 

2020 

$000 

Opening balance 

6,713 

2,995 

2,307,486 

237,466 

38,670 

2,593,330 

2,508,951 

Additions 

Disposals 

1 

- 

- 

- 

(2,334) 

- 

170,577 

3,583 

81 

174,242 

51,033 

Fair value adjustments* 

(136) 

1,824 

123,875 

14,811 

Depreciation for the year 

Net foreign currency differences 

(51) 

(26) 

(15) 

(11) 

- 

- 

- 

- 

- 

- 

- 

- 

(2,334) 

(612) 

140,374 

34,268 

(66) 

(37) 

(86) 

(224) 

Closing  balance 

6,501 

4,793 

2,599,604 

255,860 

38,751 

2,905,509 

2,593,330 

* Fair value adjustments totalling $140.37 million for the year ended 30 June 2021 are included in other income (2020: $34.27 million). 

ANNUAL REPORT JUNE 2021 

 117 

 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

14  Investment Properties: Freehold (continued) 

(b) Fair value measurement, valuation techniques and inputs 

Class of  
property 

Fair value 
hierarchy* 

Fair value 
30 June 2021 
$000 

Valuation Technique 

Key  
unobservable inputs 

Range of  
unobservable inputs 

Retail  

Level 3  

Metropolitan = 1,566,037 
Regional = 1,040,068 
Total = 2,606,105 

Warehouse 

Level 3  

260,653 

Office  

Level 3 

38,751 

Net market rent per sqm p.a 

$70 - $326 

Income capitalisation 

Discounted cash flow 

Capitalisation Rate 
-  Metropolitan 
-  Regional 

Terminal Yield 

Discount Rate 

4.0% - 8.0% 
6.5% - 9.8% 

4.1% - 9.8% 

5.0% - 9.8% 

Direct sale comparison  Price per sqm of lettable area 

$710 - $5,664 

Income Capitalisation 

Net market rent per sqm p.a 

Capitalisation Rate 

Discounted cash flow 

Terminal Yield 

Discount Rate 

$69 - $160 

5.8% - 9.5% 

6.0% - 8.3% 

6.3% - 8.5% 

Direct sale comparison  Price per sqm of lettable area 

$709 - $3,018 

Income capitalisation 

Net market rent per sqm p.a 

Capitalisation Rate 

$115 - $385 

$7.0% - 8.8% 

Discounted cash flow 

Terminal Yield 

Discount Rate 

7.3% 

7.0% 

Direct sale comparison  Price per sqm of lettable area 

$1,442 - $4,793 

TOTAL 

2,905,509 

* Level 3 - fair value is estimated using inputs that are not based on observable market data.  

The income capitalisation method of valuation was primarily used for the valuation of all Retail, Warehouse and Office investment  
properties in Australia and the Retail and Warehouse investment properties in New Zealand.  A discounted cash flow valuation or a direct 
sale comparison valuation was undertaken, excluding property for development in Australia, as a secondary method.  There were no  
material differences between the income capitalisation method result, the discounted cash flow method result and the direct sale  
comparison method result.  The direct sale comparison method was used for all properties classified as property for development.  The 
descriptions and definitions relating to valuation techniques and key unobservable inputs used in determining the fair value of investment 
properties are the same as those for freehold owner-occupied properties detailed in Note 12(b). 

(c) Sensitivity information 

Key unobservable inputs 

Impact on fair value for  
significant increase in input 

Impact on fair value for  
significant decrease in input 

Net market rent 

Capitalisation rate 

Terminal Yield 

Discount rate 

Price per square metre 

Increase 

Decrease 

Decrease 

Decrease 

Increase 

Decrease 

Increase 

Increase 

Increase 

Decrease 

(d) Rent and outgoings received and operating expenses of investment properties 
Included in rent and outgoings received from franchisees and rent and outgoings received from other tenants other than franchisees as 
disclosed in Note 3. Revenues is rent and outgoings received from investment properties of $223.15 million for the year ended 30 June 
2021 (2020: $220.04 million).  Operating expenses, including rates and taxes and repairs and maintenance, recognised in the income 
statement in relation to investment properties amounted to $52.34 million for the year ended 30 June 2021 (2020: $54.13 million). 

 118 

ANNUAL REPORT JUNE 2021 

 
 
 
 
  
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

15  Investment Properties (Leasehold): Right-Of-Use Assets 

Opening balance at beginning of the year, at fair value 

New and modified leases 

Leases exited 

Net decrease from fair value re-measurements 

Closing balance at end of the year, at fair value 

(a) Fair value measurement, valuation techniques and inputs 

Class of property 

Fair value 
hierarchy* 

Fair value 
30 June 2021 
$000 

621,903 

85,659 

(13,025) 

(74,076) 

620,461 

608,465 

102,873 

(15,229) 

(74,206) 

621,903 

Valuation Technique 

Key  
unobservable inputs 

Range of  
unobservable inputs 

Retail  

Level 3  

469,623  Discounted cash flow 

Warehouse 

Level 3 

150,838  Discounted cash flow 

Discount rate 

2.958% to 5.206% 

Market rental ranges: 
- Gross 
- Net 

$64—$851 per sqm 
$21—$453 per sqm 

Discount rate 

2.958% to 5.206% 

Market rental ranges: 
- Gross 
- Net 

$29-$500 per sqm 
$39-$300 per sqm 

TOTAL 

620,461 

* Level 3 - fair value is estimated using inputs that are not based on observable market data.  

(b) Sensitivity information 

Key unobservable inputs 

Discount rate 

Market rent ranges 

Impact on fair value for significant  
increase in input 

Impact on fair value for significant  
decrease in input 

Decrease 

Increase 

Increase 

Decrease 

(c) Rent and outgoings received and operating expenses of leasehold investment properties 
Included in rent and outgoings received from franchisees as disclosed in Note 3. Revenues is rent and outgoings received from 
leasehold investment properties of $115.19 million for the year ended 30 June 2021 (2020: $116.75 million).  Operating  
expenses, excluding interest on lease liabilities and fair value re-measurements on leasehold investment properties: ROU Assets, 
recognised in the income statement in relation to leasehold investment properties amounted to $24.42 million for the year ended 
30 June 2021 (2020: $24.96 million). 

ANNUAL REPORT JUNE 2021 

 119 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

15  Investment Properties (Leasehold): Right-Of-Use Assets (continued) 

Investment Properties (Leasehold): Right-Of-Use Assets  
Subsidiaries of Harvey Norman Holdings Limited (HNHL) enter into 
leases of properties in Australia (each a Leasehold Investment  
Property) with third party landlords.  After entry into a lease with an 
external landlord, the relevant subsidiary of HNHL grants a sub-lease or 
licence to a Harvey Norman®, Domayne® and Joyce Mayne®  
franchisee, to occupy an area of that Leasehold Investment Property. 

The adoption of AASB 16 Leases resulted in the recognition of a right-
of-use asset by the consolidated entity in respect of each subsidiary's 
right to use each Leasehold Investment Property for the respective 
lease term (each an IP Leasehold ROU Asset).  As each IP Leasehold 
ROU Asset meets the definition of investment property under AASB 
140 Investment Property, the consolidated entity is required to  
measure each IP Leasehold ROU Asset at fair value.  The consolidated 
entity has adopted the fair value model in AASB 140 and each IP 
Leasehold ROU Asset is measured at fair value.   

In respect of each lease of a Leasehold Investment Property, the  
present value of the lease payments is determined and carried as a 
lease liability and the fair value of the lessee's right to use the  
Leasehold Investment Property over the lease term is recorded as an IP 
Leasehold ROU Asset.  Gains or losses arising from re-measurement of 
the fair value of an IP Leasehold ROU Asset are included in the Income 
Statement of the consolidated entity as a fair value increment or  
decrement in the period in which they arise.   

Valuation of Investment Properties (Leasehold): Right-Of-Use Assets  
Each IP Leasehold ROU Asset is valued by an Independent Valuer at 
least once every two (2) years.  This review is undertaken by persons 
qualified by relevant education, training or experience, with the  
assistance of qualified management.  As part of the review, an  
independent, professionally qualified valuer who holds a recognised 
relevant professional qualification and has relevant specialised  
expertise (Independent Valuer) is engaged to provide independent 
verification of key observable inputs. 

2) 

The re-measurement of an IP Leasehold ROU Asset to fair  
value comprises the following: 
1) 

A reduction in the IP Leasehold ROU Asset to reflect the  
decrease in its future value due to the usage of the asset during 
the period, reflecting the passage of time and a reduction in 
remaining lease tenure.  This is recognised as a fair value  
decrement in the Income Statement.   
Re-measurement of the IP Leasehold ROU Asset at the  
prevailing discount rate as at the reporting date.  If the discount 
rate at the end of the period is higher than the discount rate at 
the beginning of the period, there will be a decrease in the value 
of the IP Leasehold ROU Asset and a corresponding fair value 
decrement is  recognised in the Income Statement.  If the  
discount rate at the end of the period is lower than the discount 
rate at the beginning of the period, there will be an increase in 
the value of the IP Leasehold ROU Asset and a corresponding 
fair value increment is recognised in the Income Statement.  The 
discount rate used is determined using market data, information 
on margins available to the consolidated entity, and other  
adjustments appropriate as at the reporting date.   

3) 

The Independent Valuer provides independent verification of 
key observable inputs including the current market rent ranges, 
being the amount that could be exchanged between  
knowledgeable, willing parties in an arm’s length transaction, at 
each reporting date.  If the current market rent range increases, 
there may be an increase in the value of the IP Leasehold ROU 
Asset and a corresponding fair value increment may be  
recognised in the Income Statement.  If the current market rent 
range decreases, there may be a decrease in the value of the IP 
Leasehold ROU Asset and a corresponding fair value decrement 
may be recognised in the Income Statement.    

The results and recommendations of the review and the information 
and professional advice provided by the Independent Valuer are used 
to inform the assessment of the fair value of each IP Leasehold ROU 
Asset at balance date. 

Discount rate 
Investment properties (leasehold): right-of-use assets are  
re-measured to fair value by using the prevailing discount rate as at the 
reporting date which is determined by taking into account the  
following:  
• 

External market based rates for a range of maturities as at the 
reporting date; 

• 
• 

The lending margins available to the consolidated entity; and  

Other adjustments that may be made by market  
participants over the lease term. 

As at 30 June 2021, the discount rates used in re-measuring  
investment properties (leasehold): right-of-use asses range from 2.96% 
to 5.21% (2020: 2.92% to 5.19%). 

Market rent ranges 
As at each balance date, the Independent Valuer provides market rent 
ranges for each leasehold investment property, being the amount that 
could be exchanged between knowledgeable, willing parties in an 
arm’s length transaction at each reporting date.  The market rent  
ranges are used to assess whether future lease payments are  
representative of what market participants would pay for a particular 
asset over a similar term.   

Financial Reporting Impacts of COVID-19: 
The COVID-19 pandemic continues to produce a degree of uncertainty 
regarding the assessment of fair value of leasehold investment  
properties, particularly around the critical assumptions regarding  
market rents and discount rates.   

Similar to the challenges experienced and reported for the June 2020 
financial year, estimated fair values may change significantly and  
unexpectedly over a relatively short period of time.  To reflect the  
ongoing potential impact of COVID-19, adjustments may be made, 
where appropriate, to one or a number of valuation inputs and esti-
mates, including lower market rent growth rates and adjustments to 
discount rates, to reflect the uncertainty in the amount and timing of 
cash flows.   

As at balance date, the fair value of the leasehold investment property 
portfolio incorporates a judgement and best estimate of the impact of 
COVID-19.  The duration and depth of the pandemic are still unknown, 
and, in the event the impacts of the COVID-19 pandemic are more 
severe or prolonged than anticipated, this may have an adverse  
impact on the fair value of the leasehold investment  property portfolio. 

 120 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

16  Trade and Other Payables  

Trade and other creditors 

Accruals 

Total trade and other payables  

17  Interest-Bearing Loans and Borrowings  

Current Secured: 

Bank overdraft (a) 

Commercial bills payable (b) 

Syndicated Facility Agreement (c) 

Other short-term borrowings (d) 

Current Unsecured: 

Derivatives payable 

Non-trade amounts owing to: 

- Related parties 

- Unrelated parties 

Total interest-bearing loans and borrowings (current) 

Non—Current 

Syndicated Facility Agreement (c) 

Total interest-bearing loans and borrowings (non-current) 

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

269,959 

85,704 

355,663 

15,704 

5,650 

290,000 

44,202 

283,838 

67,934 

351,772 

18,749 

9,750 

- 

69,638 

-   

187 

4,237   

176   

359,969   

200,000 

200,000 

4,237 

280 

102,841 

195,000 

195,000 

Bank Overdraft 

(a) 
The total bank overdraft of $15.70 million as at 30 June 2021 (2020: $18.42 million) relates to a bank overdraft due by Harvey Norman 
Trading (Ireland) Limited to Bank of Ireland (“BOI”) (the “BOI Overdraft Facility”).  Australia and New Zealand Banking Group Limited 
(“ANZ”) has provided an indemnity/Guarantee/ Stand-by Letter of Credit Facility in favour of BOI in support of the BOI Overdraft Facility, 
at the request of the Company (“ANZ-BOI Facility”).  The ANZ-BOI Facility is further secured by the Syndicated Facility Agreement  
described in Note 17(c). 

In the prior year, a total of $0.33 million related to a bank overdraft facility with AmBank (M) Berhad in Malaysia which is subject to  
periodic review.     

Commercial bills payable 

(b) 
The commercial bills payable form part of facilities granted by ANZ.  The payment of each commercial bill is secured by the  
securities given pursuant to the Syndicated Facility Agreement (as defined in Note 17(c)), and subject to annual review by ANZ.  Each 
commercial bill has a tenure not exceeding 180 days but is repayable on demand by ANZ, upon the occurrence of any event of default or 
Relevant Event (as defined in Note 17(c)) under the Syndicated Facility Agreement, or after any annual review date. 

Syndicated Facility Agreement 

(c) 
On 2 December 2009, the Company, a subsidiary of the Company (Borrower) and certain other subsidiaries of the Company (Guarantors) 
entered into a Syndicated Facility Agreement (the Facility) with certain banks (Financiers and each a Financier).  On 26 November 2018, 
the Amending Deed (No. 6) to the Facility was executed with the effect of extending the repayment date of Tranche B of the Facility  
totalling $240 million to 4 December 2021.  On 29 November 2019, the Amending Deed (No. 7) to the Facility was executed with the 
effect of extending the repayment date of Tranche A1 of the Facility totalling $170 million to 4 December 2021 and Tranche A2 of the 
Facility totalling $200 million to 4 December 2022.  On 26 November 2020, Tranche A3 of the Facility totalling $200 million was  
cancelled, reducing the aggregate available facility of the Syndicated Facility Agreement from $810 million to $610 million.   

The utilised amount of the Facility as at 30 June 2021 was $490 million (2020: $195 million), repayable as set out below, with $290 million 
classified as current interest bearing loans and borrowings (2020: nil) and $200 million of which was classified as non-current interest-
bearing loans and borrowings (2020: $195 million).   

ANNUAL REPORT JUNE 2021 

 121 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

17  Interest-Bearing Loans and Borrowings (continued) 

(c)        Syndicated Facility Agreement (continued) 
This Facility is secured by: 
• 

a fixed and floating charge granted by the Company and each of the Guarantors in favour of a security trustee for the    
Financiers; and  

• 

real estate mortgages granted by certain Guarantors in favour of the security trustee for the Financiers over various real 
properties owned by those Guarantors. 

in respect of Tranche A1 totalling $170 million, on 4 December 2021 ($170 million utilised at 30 June 2021); 

in respect of Tranche A2 totalling $200 million, on 4 December 2022 ($200 million utilised at 30 June 2021); and 

Under the terms of the Syndicated Facility Agreement, the Facility is repayable: 
• 
• 
• 
• 

in respect of Tranche B totalling $240 million, on 4 December 2021 ($120 million utilised at 30 June 2021);  

otherwise on demand by or on behalf of the Financiers upon the occurrence of any one of a number of events (each a 
“Relevant Event”), including events which are not within the control of the Company, the Borrower or the Guarantors.  Each 
of the following is a Relevant Event: 
i) 

an event occurs which has or is reasonably likely to have a material adverse effect on the business, operation, 
property, condition (financial or otherwise) or prospects of the Borrower or the Company and the subsidiaries of 
the Company;   
if any change in law or other event makes it illegal or impractical for a Financier to perform its obligations under 
the Syndicated Facility Agreement or fund or maintain the amount committed by that Financier to the provision of 
the Facility, the Financier may by notice to the Borrower, require the Borrower to repay the secured moneys in 
respect of the commitment of that Financier, in full on the date which is forty (40) business days after the date of 
that notice.  

ii) 

(d)       Other Short-Term Borrowings 
Of the total other short-term borrowings of $44.20 million (2020: $69.64 million):   
• 

• 

• 

• 

a total of $29.11 million (2020: $35.77 million) is secured by the securities given pursuant to the Syndicated Facility  
Agreement.  The facilities are utilised in Slovenia and Croatia and have a maturity date of 4 December 2021. 
a total of $9.84 million (2020: $24.65 million)  is secured by the securities given pursuant to the Syndicated Facility  
Agreement.  The facility is utilised in Singapore and has a maturity date of 4 December 2021. 
a total of $4.45 million (2020: $4.70 million) relates to a revolving credit facility with ANZ in Singapore.  This facility is sub-
ject to periodic review and otherwise repayable on demand. The revolving credit facility is secured by the securities given 
pursuant to the Syndicated Facility Agreement.  
a total of $0.80 million (2020: $1.02 million) relates to a revolving credit facility with AmBank (M) Berhad in Malaysia which 
is subject to periodic review and otherwise repayable on demand.  The Company has granted a guarantee to AmBank (M) 
Berhad in Malaysia in respect of the obligations of Space Furniture Collection Sdn Bhd. 

Defaults and Breaches 

(e) 
The Company has not received notice of the occurrence of any Relevant Event from any Financier.  During the 2021 and 2020  
financial years, there were no defaults or breaches on any of the interest-bearing loans and borrowings referred to in this note. 

Financial liabilities 

Financial liabilities are classified, at initial recognition, as financial liabilities at fair value through profit or loss, loans and borrowings, 
payables, or as derivatives designated as hedging instruments in an effective hedge, as appropriate. 

All financial liabilities are recognised initially at fair value and, in the case of loans and borrowings and payables, net of directly attributa-
ble transaction costs. 

The consolidated entity’s financial liabilities include trade and other payables, derivative payable and loans and borrowings including 
bank overdrafts, commercial bills payable, Syndicated Facility Agreement, short-term borrowings, non-trade amounts owing to related 
parties and unrelated parties.  

After initial recognition, loans and borrowings are subsequently measured at amortised cost.  Gains and losses are recognised in the 
income statement when the liabilities are derecognised.   

A financial liability is derecognised when the obligation under the liability is discharged or cancelled or expires.  

 122 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

18  Financing Facilities Available 

At balance date, the following financing facilities had been negotiated and were available. 

Total facilities: 

Bank overdraft 

Other borrowings 

Commercial bank bills 

Syndicated Facility 

Total Available Facilities 

Facilities used at reporting date: 

Bank overdraft 

Other borrowings (current) 

Commercial bank bills (current) 

Syndicated Facility (current) 

Syndicated Facility (non-current) 

Total Used Facilities 

Facilities unused at reporting date: 

Bank overdraft 

Other borrowings 

Syndicated Facility  

Total Unused Facilities 

48,415 

85,452 

5,650 

610,000 

749,517 

15,704 

44,202 

5,650 

290,000 

200,000 

555,556 

32,711 

41,250 

120,000 

193,961 

51,512 

107,018 

9,750 

810,000 

978,280 

18,749 

69,638 

9,750 

- 

195,000 

293,137 

32,763 

37,380 

615,000 

685,143 

Refer to Note 17. Interest-Bearing Loans and Borrowings for details regarding the security provided by the consolidated entity 
over each of the financing facilities disclosed above.  

19  Lease Liabilities 

Lease liabilities at beginning of the year 

1,173,087 

1,161,009 

New and modified leases 

Leases exited 

Interest on lease liabilities (accretion) 

Lease payments 

Foreign currency 

Lease liabilities at the end of the year 

Disclosed as: 

Lease liabilities (current) 

Lease liabilities (non-current) 

Total lease liabilities 

169,828 

(19,019) 

40,941 

(171,790) 

(14,382) 

1,178,665 

135,389 

1,043,276 

1,178,665 

155,897 

(15,853) 

40,538 

(165,308) 

(3,196) 

1,173,087 

130,280 

1,042,807 

1,173,087 

ANNUAL REPORT JUNE 2021 

 123 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

19  Lease Liabilities (continued) 

(b)       The geographical split of lease liabilities is as follows: 

Leases of owner-occupied properties and plant and equipment assets: 

Australia 

New Zealand 

Singapore & Malaysia 

Slovenia & Croatia 

Ireland & Northern Ireland 

Total lease liabilities of leases of owner occupied properties and plant and 
equipment assets 

Leases of properties sub-leased to external parties: 

Australia 

Total lease liabilities of leases of sub-leased to external parties 

46,190 

130,554 

190,123 

21,272 

143,410 

531,549 

647,116 

647,116 

52,492 

126,749 

184,544 

13,340 

152,282 

529,407 

643,680 

643,680 

Total lease liabilities 

1,178,665 

1,173,087 

(c) The maturity profile of undiscounted lease liabilities as at 30 June 2021 is as follows: 

Less than 1 year 

1 to 2 years 

2 to 5 years 

Over 5 years 

174,665 

166,888 

440,412 

661,850 

171,185 

168,722 

445,904 

656,160 

Total undiscounted lease liabilities 

1,443,815 

1,441,971 

(d) 

Commitments for leases not yet commenced 

The consolidated entity had committed to leases which had not yet commenced as at 30 June 2021. These leases are not  
included in the calculation of the consolidated entity’s lease liabilities.  The estimated undiscounted lease liabilities for these  
leases are $0.78 million (2020: $13.70 million). 

 124 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

19  Lease Liabilities (continued) 

Short-term leases and lease of low-value assets 
The consolidated entity applies a recognition exemption to leases 
that have a lease term of 12 months or less from the  
commencement date and do not contain a purchase option.  It also 
applies a recognition exemption to leases that are considered of 
low value. 

Lease liabilities 
At the commencement of a lease, the consolidated entity  
recognises lease liabilities measured at the present value of lease 
payments to be made over the lease term.  The lease payments 
include fixed payments (including in-substance fixed payments) 
less any lease incentives receivable and amounts expected to be 
paid under residual value guarantees.  In determining the lease 
term, the consolidated entity considers all facts and circumstances 
that create an economic incentive to exercise a renewal option, or 
not to exercise a termination option.  Renewal options (or periods 
after termination options) are only included in the lease term if the 
lease is reasonably certain to be extended (or not terminated).  
Outgoings and other variable lease payments that do not depend 
on an index or a rate are recognised as incurred. 

In calculating the present value of lease payments, the  
consolidated entity uses the incremental borrowing rate at the 
lease commencement date if the interest rate implicit in the lease is 
not readily determinable.  After the commencement date, the 
amount of lease liabilities is increased to reflect the accretion of 
interest and reduced for the lease payments made.  In addition, the 
carrying amount of lease liabilities is remeasured if there is a 
change in the lease term, a change in the in-substance fixed lease 
payments or a change in the assessment to purchase the  
underlying asset.  

Incremental borrowing rate 
The incremental borrowing rate is derived by reference to the rate 
at which a lessee would borrow to acquire the underlying asset, 
repaying over a similar term to the lease term.  If the interest rate in 
the lease is not readily determinable, the consolidated entity  
determines the incremental borrowing rate for each lease by taking 
into account the following: 
• 

external market based rate for a similar term to the lease 
term at the lease commencement date;  

• 

• 

the lending margins available to the consolidated entity for 
the respective jurisdiction at the lease commencement 
date; and  

other adjustments that may be made by market participants 
over the lease term. 

As at 30 June 2021, the incremental borrowing rates applied by 
the consolidated entity were as follows: 

Location 

Australia 

New Zealand 

Singapore & Malaysia 

Slovenia & Croatia 

Ireland & Northern Ireland 

Weighted average  
incremental  
borrowing rate (%) 

3.74% 

3.41% 

2.92% 

3.30% 

3.57% 

Lease term 
The lease term is determined at lease commencement or at the 
effective date of lease modification, and is reviewed if a significant 
change in circumstances occurs.  In determining the lease term, the 
consolidated entity considers all facts and circumstances that  
create an economic incentive to exercise a renewal option, or not 
to exercise a termination option.  Renewal options (or periods after 
termination options) are only included in the lease term if the lease 
is reasonably certain to be extended (or not terminated). 

As at 30 June 2021, the lease terms adopted by the consolidated 
entity were as follows: 

Location 

Australia 

New Zealand 

Singapore & Malaysia 

Slovenia & Croatia 

Ireland & Northern Ireland 

Weighted average 
lease term  
(years) 

10.62 

13.13 

5.72 

9.47 

8.35 

As at 30 June 2021, the consolidated entity have assessed that a 
number of options do not meet the criteria of ‘reasonably certain’ 
and therefore the lease payments relating to these options have 
not been included in the lease liability.  The undiscounted lease 
payments for these excluded options would amount to $33.62  
million (2020: $85.31 million). 

ANNUAL REPORT JUNE 2021 

 125 

 
 
 
 
 
 
 
                                                                                                         
 
 
 
 
 
 
 
 
  
    
 
      
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

20  Other Liabilities  

Total unearned revenue (current) 

Total unearned revenue (non-current) 

21  Provisions  

Employee entitlements 

Total provisions (current) 

Employee entitlements 

Lease make good 

Total provisions (non-current) 

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

108,847 

823 

37,162 

37,162 

2,380 

7,443 

9,823 

96,141 

863 

34,181 

34,181 

2,213 

7,013 

9,226 

Provision for employee entitlements 
Provisions are made for benefits accruing to employees in respect of annual leave and long service leave when it is probable that  
settlement will be required and they are capable of being measured reliably.  Provisions that are expected to be settled within 12 
months are measured at their nominal values using the remuneration rate expected to apply at the time of settlement.  Provisions which 
are not expected to be settled within 12 months are measured as the present value of the estimated future cash outflows to be made by 
the consolidated entity in respect of services provided by employees up to reporting date.  Expenses for non-accumulating sick leave 
are recognised when the leave is taken and are measured at the rates paid or payable. 

Provision for lease make good 
Provisions are recognised for the anticipated costs of future restoration of leased premises.  The provision includes future cost estimates 
associated with dismantling and removing the assets and restoring the leased premises according to contractual arrangements.  These 
future cost estimates are discounted to their present value.   

22  Contributed Equity 

Ordinary shares 

Total contributed equity 

Movements in ordinary shares on issue 

Balance at 1 July 2020 

Issue of shares 

Balance at end of the year 

717,925 

717,925 

717,925 

717,925 

June 2021 
No. of Shares 

June 2021 
$000 

1,246,006,654 

- 

1,246,006,654 

717,925 

- 

717,925 

Number of ordinary shares issued and fully paid as at 30 June 2021 was 1,246,006,654 (2020: 1,246,006,654) 

Ordinary shares — terms and conditions 

Ordinary shares have the right to receive dividends as declared and, in the event of winding up the Company, to participate in 
any surplus on winding up in proportion to the number of and amounts paid up on shares held.  Each ordinary share entitles the 
holder to one vote, either in person or by proxy, at a meeting of the Company.  

 126 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

22  Contributed Equity (continued) 

Ordinary shares are classified as equity. Incremental costs directly attributable to the issue of new shares or options are shown in  
equity as a reduction, net of tax, from the proceeds. 

23  Retained Profits and Dividends 

Movements in retained profits were as follows: 

Balance at beginning of the year 

Transition adjustments arising from adoption of AASB 16 

Profit for the year 

Dividends paid 

Balance at end of the year 

Dividends declared and paid on ordinary shares: 

Final fully-franked dividend for 2020: 18.0 cents (2019: 21.0 cents) 

Interim fully-franked dividend for 2021: 20.0 cents (2020: 12.0 cents*) 

Special fully-franked dividend for 2020: 6.0 cents 

Total dividends paid 

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

2,511,580 

- 

841,414 

(473,483) 

2,879,511 

224,281 

249,202 

- 

473,483 

2,397,436 

(43,892) 

480,541 

(322,505) 

2,511,580 

247,745 

- 

74,760 

322,505 

The final dividend of $224.28 million, fully franked, for the year ended 30 June 2020 was paid on 2 November 2020.  

The interim dividend of 20.0 cents per share, totalling $249.20 million fully-franked, for the year ended 30 June 2021 was paid on 
3 May 2021.   

The final dividend of 15.0 cents per share totalling $186.90 million, fully franked, for the year ended 30 June 2021 will be paid on 
15 November 2021 to shareholders registered at the close of business on 18 October 2021.  No provision has been made in the 
Statement of Financial Position for the payment of this final dividend.  

*   The interim dividend previously proposed for the year ended 30 June 2020 of 12.0 cents per share, totalling $149.52 million 
fully-franked and payable on 4 May 2020, was cancelled on 2 April 2020 given the uncertainties surrounding COVID-19 and to 
preserve and retain cash in the business.  A special dividend of 6.0 cents per share was paid on 29 June 2020, totalling $74.76 
million fully-franked.   

Franking account balance: 

The amount of franking credits available for subsequent financial years are: 

-  franking account balance as at the end of the financial year at 30% 

-  franking credits that will arise from the payment of income tax payable as at      
    the end of the financial year 

-  franking credits that will be utilised in the payment of the proposed  
   final dividend 

Amount of franking credits available for future reporting years 

24  Non-Controlling Interests 

Interest in: 

- Ordinary shares 

- Reserves 

- Retained earnings 

Total non-controlling interests 

ANNUAL REPORT JUNE 2021 

455,197 

122,596 

(80,100) 

497,693 

2,591 

12,716 

12,883 

28,190 

489,613 

57,126 

(96,121) 

450,618 

2,691 

14,621 

13,671 

30,983 

 127 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

25  Reserves 

CONSOLIDATED $000 

Asset 
Revaluation 
Reserve 

Foreign  
Currency  
Translation 
Reserve 

FVOCI 
Reserve 

Cash Flow 
Hedge 
Reserve 

Employee 
Equity 
Benefits 
Reserve 

Acquisition 
Reserve 

Total 

At 1 July 2019 

152,850 

65,853 

10,949 

(2) 

10,125 

(22,051) 

217,724 

Transition adjustments arising 
from adoption of AASB 16 

(18,067) 

- 

- 

At 1 July 2019, post transition 

134,783 

65,853 

10,949 

Revaluation of land and buildings 

Tax effect of revaluation of land 
and buildings  

Currency translation differences 

Unrealised loss on financial assets 
at fair value through other  
comprehensive income 

Reverse expired or realised cash 
flow hedge reserves 

Net loss on forward foreign  
exchange contracts  

Tax effect on net loss on forward 
foreign exchange contracts  

Cost of share based payments 

Utilisation of employee equity 
benefits reserve  

Sale of a controlled entity 

28,384 

(4,559) 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

(8,912) 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

(1,030) 

- 

- 

- 

- 

- 

- 

- 

(2) 

- 

- 

- 

- 

2 

(49) 

14 

- 

- 

- 

- 

- 

(18,067) 

10,125 

(22,051) 

199,657 

- 

- 

- 

- 

- 

- 

- 

739 

(859) 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

3,450 

28.384 

(4,559) 

(8,912) 

(1,030) 

2 

(49) 

14 

739 

(859) 

3,450 

At 30 June 2020 

158,608 

56,941 

9,919 

(35) 

10,005 

(18,601) 

216,837 

At 1 July 2020 

158,608 

56,941 

9,919 

(35) 

10,005 

(18,601) 

216,837 

Revaluation of land and buildings 

Tax effect of revaluation of land 
and buildings  

Currency translation differences 

Unrealised gain on financial assets 
at fair value through other  
comprehensive income 

Reverse expired or realised cash 
flow hedge reserves 

Net loss on forward foreign  
exchange contracts  

Tax effect on net loss on forward 
foreign exchange contracts  

Cost of share based payments 

Utilisation of employee equity 
benefits reserve  

Sale of a controlled entity  

55,616 

(5,578) 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

(14,890) 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

12,655 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

35 

(4) 

1 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

1,453 

(1,059) 

- 

- 

- 

- 

- 

- 

- 

- 

- 

55,616 

(5,578) 

(14,890) 

12,655 

35 

(4) 

1 

1,453 

(1,059) 

- 

2,327 

2,327 

At 30 June 2021 

208,646 

42,051 

22,574 

(3) 

10,399 

(16,274) 

267,393 

 128 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
         
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

25  Reserves (continued) 

Asset revaluation reserve 
Any revaluation increment arising from revaluation of freehold owner-occupied properties is recorded in other comprehensive income 
(OCI) and credited to the asset revaluation reserve in equity.  However, to the extent that it reverses a revaluation decrement of the same 
asset previously recognised in the income statement, the increase is recognised in the income statement.  Any revaluation decrement is 
recognised in the income statement, except to the extent that it offsets a previous increment of the same asset in the asset revaluation 
reserve.  

Foreign currency translation reserve 
The functional currency of overseas subsidiaries is the currency commonly used in their respective countries.  As at the reporting date 
the assets and liabilities of these overseas subsidiaries are translated into the presentation currency of the consolidated entity at the rate 
of exchange prevailing at the balance date and the income statements are translated at the weighted average exchange rates for the 
year.  The exchange differences arising on retranslation for consolidation are recognised in OCI in the foreign currency translation  
reserve.   

Fair Value through Other Comprehensive Income (FVOCI) Reserve   
The consolidated entity elected to classify its non-current equity investments as equity instruments designated at fair value through other 
comprehensive income.  The fair value changes on the non-current equity investments are recorded in OCI in the FVOCI reserve. 

Cash Flow Hedge Reserve 
The consolidated entity uses forward currency contracts as hedges of its exposure to foreign currency risk in forecast transactions and 
firm commitments.  The ineffective portion relating to foreign currency contracts is recognised as other expense in the income  
statement.  The effective portion of the gain or loss on the hedging instrument is recognised in OCI in the cash flow hedge reserve.     

Employee equity benefits reserve 
The consolidated entity provides benefits to certain employees (including Executive Directors) of the consolidated entity in the form of 
share-based payment transactions, whereby employees render services in exchange for shares or rights over shares (“equity-settled 
transactions”).  The cost of equity-settled transactions is determined by the fair value at the date when the grant is made using an  
appropriate valuation model. 

That cost is recognised in employee benefits expense, together with a corresponding increase in other comprehensive income 
(employee equity benefits reserve), over the period in which the service and, where applicable, the performance conditions are fulfilled 
(the vesting period).  The cumulative expense recognised for equity-settled transactions at each reporting date until the vesting date 
reflects the extent to which the vesting period has expired and the consolidated entity’s best estimate of the number of equity  
instruments that will ultimately vest.  The expense or credit in the income statement for a period represents the movement in cumulative 
expense recognised as at the beginning and end of that period.  Further disclosure relating to equity-settled transactions is also  
provided in the Remuneration Report, Note 4. Expenses and Losses and Note 29. Employee Benefits. 

Acquisition Reserve 
Changes in the consolidated entity’s ownership interest in a subsidiary that do not result in a loss of control are accounted for as equity 
transactions.  Any difference between the amount by which the non-controlling interests are adjusted and the fair value of the  
consideration paid or received shall be recognised in the acquisition reserve. 

Equity-settled transactions 
The consolidated entity measures the cost of equity-settled transactions with employees by reference to the fair value of the equity in-
struments at the date when they are granted by using an appropriate valuation model.  

ANNUAL REPORT JUNE 2021 

 129 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

26  Cash and Cash Equivalents 

Reconciliation to the Statement of Cash Flows 

(a) 
Cash and cash equivalents comprise the following: 

Cash at bank and on hand 

Short-term money market deposits 

Bank overdraft (refer to Note 17) 

Cash and cash equivalents  

(b)         Reconciliation of profit after income tax to net operating cash flows 

Profit after tax 

Adjustments for non-cash items: 

Net foreign exchange losses 

Allowance for expected credit loss 

Share of net profit from joint venture entities 

Depreciation of property, plant and equipment 

Depreciation of right-of-use assets 

Fair value re-measurement of investment properties (leasehold): ROUA 

Amortisation 

Impairment of non-current assets 

Impairment of other financial assets 

Revaluation of freehold investment properties  

Executive remuneration expenses 

(Loss) / profit on disposal and sale of property, plant and equipment and the  
revaluation of listed securities 

Changes in assets and liabilities: 

(Increase)/decrease in assets: 

Receivables 

Inventories 

Other assets 

Increase/(decrease) in liabilities: 

Payables and other current liabilities 

Income tax payable 

Provisions 

Net cash flows from operating activities 

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

206,971 

57,460 

264,431 

(15,704) 

248,727 

287,043 

26,152 

313,195 

(18,749) 

294,446 

846,845 

486,023 

268 

289 

(8,320) 

67,114 

62,908 

74,076 

20,296 

- 

- 

(140,374) 

5,648 

(8,397) 

(407,714) 

(90,162) 

(5,299) 

50,916 

80,472 

(4,697) 

543,869 

639 

3,019 

(7,628) 

66,016 

61,769 

74,206 

21,600 

876 

300 

(34,956) 

3,449 

3,976 

238,782 

791 

1,093 

76,908 

55,560 

4,541 

1,056,964 

Cash and cash equivalents 
Cash and cash equivalents in the statement of financial position comprise cash at bank and on hand and short-term highly liquid  
deposits with a maturity of three months or less, that are readily convertible to a known amount of cash and subject to an insignificant 
risk of changes in value.  For the purposes of the statement of cash flows, cash and cash equivalents consist of cash and cash equivalents 
as defined above, net of outstanding bank overdrafts.  Bank overdrafts are included within interest-bearing loans and borrowings in 
current liabilities in the statement of financial position.   

 130 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
   
 
 
   
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

27  Investments Accounted for Using the Equity Method 

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

Total investments accounted for using the equity method 

1,321 

4,692 

Ownership interest 

Contribution to Profit / (Loss)       

Before Tax 

June 2021 
% 

June 2020 
% 

June 2021 
$000 

June 2020 
$000 

Noarlunga (Shopping complex) 

Perth City West (Shopping complex) 

Warrawong King St (Shopping complex) (a) 

Byron Bay (Residential/convention development)  

Byron Bay—2 (Resort operations)  

Dubbo (Shopping complex) 

Bundaberg (Land held for investment) 

Gepps Cross (Shopping complex) 

QCV (Miners residential complex) (b) 

Other 

50% 

50% 

62.5% 

- 

- 

50% 

50% 

50% 

50% 

50% 

50% 

50% 

62.5% 

- 

- 

50% 

50% 

50% 

50% 

50% 

1,500 

2,238 

1,056 

- 

- 

692 

(205) 

3,028 

13 

(2) 

8,320 

1,437 

2,748 

1,075 

(210) 

(243) 

632 

(352) 

2,773 

12 

(244) 

7,628 

(a) 

This joint venture has not been consolidated as the consolidated entity does not have control over operating and  
financing decisions and all joint venture parties participate equally in decision making. 

(b)                 A number of wholly-owned subsidiaries of Harvey Norman Holdings Limited (HNHL) have entered into joint ventures with    
                            an unrelated party to provide mining camp accommodation.  The respective joint ventures have been granted finance                
                            facilities as follows: 
                            (i)     A finance facility from ANZ for the amount of $5.15 million plus interest and costs, with a maturity date of 31 July                     
                                             2021.  On 30 July 2021, the maturity date of this finance facility from ANZ was extended to 31 January 2022.   
                            (ii)    Finance facilities from Network Consumer Finance Pty Limited (“NCF”), a wholly-owned subsidiary of HNHL, for the           
                                               amount of $31.89 million plus interest and costs, subject to bi-annual review.  

Investments in associates and joint ventures 
An associate is an entity over which the consolidated entity has significant influence.  Significant influence is the power to participate in 
the financial and operating policy decisions of the investee, but does not control or have joint control over those policies.  A joint  
venture is a type of joint arrangement whereby the parties that have joint control of the arrangement have rights to the net assets of the 
joint venture.  Joint control is the contractually agreed sharing of control of an arrangement, which exists only when decisions about the 
relevant activities require unanimous consent of the parties sharing control.  The considerations made in determining significant  
influence or joint control are similar to those necessary to determine control over subsidiaries.  

The investments in associates and joint ventures of the consolidated entity are accounted for using the equity method.  Under the equity 
method, the investment in an associate or joint venture is initially recognised at cost.  The carrying amount of the investment is adjusted 
to recognise changes in the consolidated entity’s share of net assets of the associate or joint venture since the acquisition date.  After 
application of the equity method, the consolidated entity determines whether it is necessary to recognise any impairment loss with  
respect to its net investment in the associates and joint ventures.  At each reporting date, the consolidated entity determines whether 
there is objective evidence that the investment in the associate or joint venture is impaired.  If there is such evidence, the consolidated 
entity calculates the amount of impairment as the difference between the recoverable amount of the associate or joint venture and its 
carrying value.    

ANNUAL REPORT JUNE 2021 

 131 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

28  Assets Held for Sale 

As at 30 June 2021, the assets held for sale balance of $12.66 million (2020: $16.19 million) represents the carrying amount of a 
warehouse in Singapore that is currently held for sale.   

Non-current assets held for sale 
The consolidated entity classifies non-current assets as held for sale if their carrying amounts will be recovered principally through a 
sale transaction rather than through continuing use.  Non-current assets classified as held for sale are measured at the lower of their 
carrying amount and fair value less costs to sell.  Costs to sell are the incremental costs directly attributable to the disposal of an asset, 
excluding finance costs and income tax expense.  The criteria for held for sale classification is regarded as met only when the sale is 
highly probable and the asset is available for immediate sale in its present condition.  Actions required to complete the sale should 
indicate that it is unlikely that significant changes to the sale will be made or that the decision to sell will be withdrawn.  Management 
must be committed to the plan to sell the asset and the sale expected to be completed within one year from the date of the classifica-
tion.  Property, plant and equipment and intangible assets are not depreciated or amortised once classified as held for sale.  

29  Employee Benefits 

CONSOLIDATED 

June 2021 
Number 

June 2020 
Number 

The number of full-time employees employed as at 30 June 

6,183 

5,732 

The aggregate employee benefit liability was comprised of: 

June 2021 
$000 

June 2020 
$000 

Accrued wages, salaries and on-costs 

Provisions (Current—Note 21) 

Provisions (Non-current—Note 21) 

Total employee benefit provisions 

24,288 

37,162 

2,380 

63,830 

20,123 

34,181 

2,213 

56,517 

The consolidated entity makes contributions to complying superannuation funds for the purpose of provision of superannuation 
benefits for eligible employees of the consolidated entity.  The amount of contribution in respect of each eligible employee is not 
less than the prescribed minimum level of superannuation support in respect of that eligible employee.  The complying  
superannuation funds are independent and not administered by the consolidated entity. 

Performance rights 

At balance date, the performance rights in the table below were outstanding and vested (or able to be exercised) by, or for the 
benefit of, directors of Harvey Norman Holdings Limited.  Refer to Table 4.  Performance Rights of Key Management Personnel for 
the Year Ended 30 June 2021 on page 57 of this report for further information.  

Grant date 

Expiry Date 

28/11/2016 

30/06/2022 

01/12/2017 

30/06/2023 

04/12/2018 

30/06/2024 

02/12/2019 

30/06/2025 

04/12/2020 

30/06/2026 

Number of Performance Rights  
Outstanding 

Number of Performance Rights Vested 

2021 

- 

- 

549,500 

549,500 

549,500 

2020 

- 

400,000 

549,500 

549,500 

- 

2021 

- 

226,400 

- 

- 

- 

2020 

240,000 

- 

- 

- 

- 

1,648,500 

1,499,000 

226,400 

240,000 

 132 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

30  Remuneration of Auditors 

Fees to Ernst & Young Australia: 

Audit or review of financial reports 

Tax services 

Consulting services 

Total payable to Ernst & Young Australia 

Fees to overseas member firms of Ernst & Young Australia: 

Audit or review of financial reports 

Tax services 

Consulting services 

CONSOLIDATED 

June 2021 
$ 

June 2020 
$ 

1,346,588 

178,800 

- 

1,525,388 

980,660 

218,776 

14,778 

1,406,009 

151,150 

33,250 

1,590,409 

780,376 

213,845 

14,348 

Total payable to overseas member firms of Ernst & Young Australia 

1,214,214 

1,008,569 

Total remuneration payable to Ernst & Young  

2,739,602 

2,598,978 

31  Key Management Personnel 

(a)        Details of Key Management Personnel 

Title 

Senior Executives 

Title 

Martin Anderson 

General Manager — Advertising 
(retired on 30 June 2021) 

Thomas James Scott  General Manager — Property 

Gordon Ian Dingwall  Chief Information Officer 

Lachlan Roach 

General Manager —  
Home Appliances 

Emmanuel Hohlastos  General Manager — Audio Visual 

Glen Gregory 

General Manager —  
Technology & Entertainment 

Directors 

Gerald Harvey 

Kay Lesley Page 

John Evyn Slack-Smith 

Executive Chairman 

Executive Director and  
Chief Executive Officer 

Executive Director and  
Chief Operating Officer 

David Matthew Ackery 

Executive Director  

Chris Mentis 

Executive Director and  
Chief Financial Officer and  
Company Secretary 

Christopher Herbert Brown OAM  Non-Executive Director 

Michael John Harvey 

Non-Executive Director 

Kenneth William Gunderson-
Briggs 

Graham Charles Paton AM 
(retired 25 November 2020) 

Non-Executive Director (Independent) 

Non-Executive Director (Independent) 

Maurice John Craven 

Non-Executive Director (Independent) 

Luisa Catanzaro  
(appointed 25 November 2020) 

Non-Executive Director (Independent) 

ANNUAL REPORT JUNE 2021 

 133 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

CONSOLIDATED 

June 2021 
$ 

June 2020 
$ 

31  Key Management Personnel (continued) 

(b)       Compensation of Key Management Personnel 

The total remuneration paid or payable to Key Management Personnel of the consolidated entity was as follows: 

Short-term 

Post-employment 

Long-term (share-based payments) 

Other—long service lease accrual 

Other—termination benefit 

13,380,900 

305,816 

2,032,255 

99,564 

33,985 

12,796,618 

295,892 

1,056,781 

89,782 

89,065 

Total compensation to Key Management Personnel 

15,852,520 

14,328,138 

Refer to Tables 1 and 2 on pages 55 and 56 of this report for further information.  

32  Related Party Transactions 

(a) Ultimate Controlling Entity 

The ultimate controlling entity of the consolidated entity is Harvey Norman Holdings Limited, a company incorporated in Australia. 

(b) Transactions with Other Related Parties 

(i) Several controlled entities of Harvey Norman Holdings Limited operate loan accounts with other related parties, mainly  
consisting of joint ventures and the other joint venture partner of the joint ventures.  The amount of receivables from related  
parties at 30 June 2021 were $57,846,269 (30 June 2020: $72,500,801). 

(ii) The consolidated entity has a payable to other related parties (excluding transactions with KMPs and their related parties) at 
arm’s length terms and conditions.  The amount owing to other related parties at 30 June 2021 was $4,237,364 (30 June 2020: 
$4,237,364).  

Refer to information provided  in Section 16. Other Transactions and Balances with Key Management Personnel and their Related 
Parties in this report  on page 60 for further information. 

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

33  Commitment s 

(a)         Lease commitments (the consolidated entity as a lessor): 

Future minimum amounts receivable under non-cancellable operating leases are as follows:  

Not later than one year 

Later than one year but not later than five years 

Later than five years 

Minimum lease receivable 

112,714 

208,078 

44,847 

365,639 

105,805 

191,537 

46,694 

344,036 

The consolidated entity as lessor 
Leases in which the consolidated entity does not transfer substantially all the risks and benefits of ownership of an asset are classified as 
operating leases.  Initial direct costs incurred in negotiating an operating lease are added to the carrying amount of the leased asset and 
recognised over the lease term on the same basis as rental income.  Contingent rents are recognised as revenue in the period in which 
they are earned.  The consolidated entity has entered into commercial leases in respect of its freehold property portfolio and motor 
vehicles.  All leases in the consolidated entity’s freehold property portfolio include a clause to enable upward revision of the rental 
charge on an annual basis according to prevailing market conditions.  

 134 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

33  Commitments (continued) 

(b)       Capital expenditure contracted but not provided is payable as follows: 

Not later than one year 

Later than one year but not later than five years 

Total capital expenditure commitments  

17,931 

949 

18,880 

16,028 

- 

16,028 

The consolidated entity had contractual obligations to purchase property, plant and equipment and investment properties of 
$18.88 million (2020: $16.03 million).  The contractual obligations are mainly for the acquisition of new properties and  
refurbishment of existing franchised complexes in Australia.  The contractual obligations relating to joint venture entities for the 
year ended 30 June 2021 was $5.96 million (2020: $0.95 million).   

34  Contingent Liabilities 

As at 30 June 2021, Harvey Norman Holdings Limited (the Company) and its wholly-owned subsidiaries have entered into the  
following guarantees, however the probability of having to make a payment under these guarantees is considered remote: 
Guarantees in the normal course of business relating to lease make-good obligations under certain operating lease  
a) 
contracts (with the exclusion of those lease make-good payments that are considered to be probable and recognised as a 
provision in Note 21. Provisions); and 
Indemnities to financial institutions to support bank guarantees in respect of the performance of contracts. 

b) 

No provision has been made in the financial statements in respect of these contingencies as the possibility of a probable outflow 
under these guarantees is considered remote. 

Contingent liabilities 
The consolidated entity does not recognise liabilities that do not meet the recognition criteria as prescribed in AASB 137 Provisions, 
Contingent Liabilities and Contingent Assets.  Contingent liabilities are not recognised as liabilities if the possibility of a probable  
outflow is considered remote as their existence will be confirmed only by the occurrence or non-occurrence of one or more uncertain 
future events not wholly within the control of the consolidated entity.  

At each reporting date, the consolidated entity assesses whether an outflow of future economic benefits has become probable.  If it 
becomes probable that an outflow of future economic benefits will be required for an item previously dealt with as a contingent liability, 
a provision is recognised in the financial statements of the period in which the change in probability occurs.  

35  Financial Risk Management 

(a)        Financial Risk Management Objectives and Policies 
The treasury function of the consolidated entity is responsible for the management of the following risks:  
• 
• 
• 

market risk; 
credit risk; and 
liquidity risk. 

The consolidated entity’s principal financial liabilities, other than derivatives, comprise of trade and other payables and interest-
bearing loans and borrowings.  The consolidated entity’s principal financial assets, other than derivatives, include cash and cash 
equivalents, trade and other receivables and equity investments at fair value.  The consolidated entity manages its exposure to 
key financial risks, such as interest rate and currency risk in accordance with the consolidated entity’s treasury policy which is  
approved by the Board of Directors.  The objective of the treasury policy is to support the delivery of the consolidated entity’s 
financial targets whilst protecting future financial security.  The consolidated entity enters into derivative transactions, principally 
forward currency contracts, to manage the currency risks arising from the consolidated entity’s operations and its source of  
finance.  

ANNUAL REPORT JUNE 2021 

 135 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

35  Financial Risk Management (continued) 

Financial Risk Management Objectives and Policies (continued) 

(a) 
The consolidated entity uses different methods to measure and manage different types of risks to which it is exposed.  
These include: 
• 
• 
• 
• 

monitoring levels of exposure to interest rate and foreign exchange risk; 
monitoring assessments of market forecasts for interest rate and foreign exchange; 
ageing analyses and monitoring of specific credit allowances to manage credit risk; and 
monitoring liquidity risk through the future rolling cash flow forecasts.  

(b)       Market Risk 
Market risk is the risk that the fair value or future cash flows of a financial instrument will fluctuate because of changes in market 
prices.  Components of market risk to which the consolidated entity are exposed are discussed below.  

i)         Foreign Currency Risk Management 

Foreign currency risk refers to the risk that the value of financial instruments, recognised asset or liability will fluctuate due to 
changes in foreign exchange rates.  The consolidated entity undertakes certain transactions denominated in foreign currencies, 
hence exposures to exchange rate fluctuations arise. 

 The consolidated entity’s foreign currency exchange risk arises primarily from: 
• 
receivables or payables denominated in foreign currencies; and 
• 
firm commitments or highly probable forecast transactions for payments settled in foreign currencies. 

The consolidated entity is exposed to foreign exchange risk from various currency exposures, primarily with respect to: 
• 
• 
• 
• 
• 
• 
• 

United States dollars; 
New Zealand dollars; 
Euro; 
British pound; 
Singapore dollars; 
Malaysian ringgit; and 
Croatian kuna 

The consolidated entity minimises its exposure to foreign currency risk by initially seeking contracts effectively denominated in 
the entity’s functional currency where possible and economically favourable to do so.  Foreign exchange risk that arises from firm 
commitments or highly probable transactions is managed principally through the use of forward currency contracts.  The  
consolidated entity hedges a proportion of these transactions in each currency in accordance with the treasury policy. 

Financial assets: 

Cash and cash equivalents 

Trade and other receivables 

Derivatives receivable 

Financial liabilities: 

Trade and other payables 

Interest-bearing loans and borrowings 

Derivatives payable 

Net exposure 

 136 

ANNUAL REPORT JUNE 2021 

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

52,597 

4,098 

95 

56,790 

36,441 

16,269 

- 

52,710 

4,080 

44,375 

5,167 

- 

49,542 

34,351 

11,742 

187 

46,280 

3,262 

 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

35  Financial Risk Management (continued) 

(b)       Market Risk (continued) 

ii)         Interest Rate Risk Management 
Interest rate risk is the risk that the fair value on future cash flows of a financial instrument will fluctuate because of changes in 
market interest rates.  

The consolidated entity’s exposure to market interest rates relates primarily to cash and cash equivalents, non-trade debts  
receivables from related entities and unrelated entities, finance lease receivables, bank overdraft, non-trade amounts owing to 
related parties, Syndicated Facility, commercial bills and other short-term borrowings.   

The consolidated entity manages the interest rate exposure by adjusting the ratio of fixed interest debt to variable interest debt 
to a desired level based on current market conditions.  Where the actual interest rate profile on the physical debt profile differs 
substantially from the desired target, the consolidated entity uses interest rate swap contracts to adjust towards the target net 
debt profile.   

Fixed interest rate maturing in 

Average interest rate 

Principal sub-
ject to floating  
interest rate 

1 year or 
less 

Over 1 to 
5 years 

More than 
5 years 

Non-interest 
bearing 

30 June 2021 

$000 

$000 

$000 

$000 

$000 

Total 

$000 

Floating 

Fixed 

Cash 

132,842 

57,459 

- 

- 

- 

508 

689 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

74,130 

264,431  0.00%  - 0.60%     0.17% - 3.65% 

2,535 

2,535 

2,722 

3,919 

793,228 

793,228 

85,620 

85,620 

74,459 

74,459 

- 

- 

- 

- 

11.00% 

- 

- 

- 

Consumer  
finance loans 

Finance lease 
receivables 

Receivables from 
franchisees 

Trade receivables 

Other financial 
assets 

Non-trade debts 
receivables & 
loans 

55,409 

13,161 

26,708 

3,921 

1,737 

100,936  2.30% - 4.15% 

5.00% - 13.0% 

Total 

188,251 

71,128 

27,397 

3,921 

1,034,431  1,325,128 

Syndicated  
Facility and other 
short-term  
borrowings 

Trade creditors 

Other loans 

534,202 

- 

4,237 

Bank overdraft 

15,704 

Bills payable 

5,650 

Total 

559,793 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

534,202  0.30% - 5.09% 

355,663 

355,663 

- 

176 

4,413  1.15%  - 1.25% 

- 

- 

15,704 

2.01% 

5,650  0.06%  - 0.14% 

355,839 

915,632 

- 

- 

- 

- 

- 

ANNUAL REPORT JUNE 2021 

 137 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

35  Financial Risk Management (continued) 

(b)        Market Risk (continued) 

ii)         Interest Rate Risk Management (continued) 

Fixed interest rate maturing in 

Average interest rate 

Principal sub-
ject to floating  
interest rate 

1 year or 
less 

Over 1 to 
5 years 

More than 
5 years 

Non-interest 
bearing 

30 June 2020 

$000 

$000 

$000 

$000 

$000 

Total 

$000 

Floating 

Fixed 

Cash 

203,649 

28,998 

Consumer finance 
loans 

Finance lease 
receivables 

Receivables from 
franchisees 

Trade receivables 

Other financial 

Non-trade debts 
receivables & 
loans 

- 

- 

- 

570 

912 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

80,548 

313,195 

0.00%  - 1.92% 

0.00%  - 3.65% 

2,734 

2.734 

2,721 

4,203 

352,359 

352,359 

116,353 

116,353 

48,413 

48,413 

- 

- 

- 

- 

- 

- 

11.00% 

- 

- 

- 

58,975 

24,548 

14,836 

5,991 

13,731 

118,081 

2.39%  - 5.27% 

5.00%  - 10.00% 

Total 

262,624 

54,116 

15,748 

5,991 

616,859 

955,338 

Syndicated Facility 
and other short-
term borrowings 

Trade creditors 

Other loans 

Bank overdraft 

Bills payable 

Other financial  
liabilities 

264,638 

- 

4,237 

18,749 

9,750 

- 

Total 

297,374 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

- 

264,638 

0.95% - 5.87% 

351,772 

351,772 

- 

280 

4,517 

2.37% - 3.20% 

- 

- 

18,749 

2.25% - 6.95% 

9,750 

1.44% - 2.57% 

187 

187 

- 

352,239 

649,613 

- 

- 

- 

- 

- 

- 

 138 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

35  Financial Risk Management (continued) 

(b)       Market Risk (continued) 

iii)       Equity Price Risk Management 
The consolidated entity is exposed to equity price risk arising from equity investments.  Equity investments are held for strategic 
rather than trading purposes.  The exposure to the risk of a general decline in equity market values is not hedged as the  
consolidated entity believes such a strategy is not cost effective.  The fair value of the equity investments publicly traded on the 
ASX was $41.28 million as at 30 June 2021 (2020: $30.24 million).  The fair value of the equity investments publicly traded on the 
NZX was $28.05 million as at 30 June 2021 (2020: $15.45 million). 

iv)       Sensitivity analysis 
At the reporting date, the consolidated entity’s exposure to interest rate risk, foreign currency risk (after taking into consideration 
the hedge of foreign currency payables) and equity price risk are not considered material.  

(c) 

Credit Risk  

Credit risk is the risk that a counterparty will not meet its obligations under a financial instrument or customer contract, leading to 
a financial loss.  Credit risk arises from the financial assets of the consolidated entity, which comprise receivables from  
franchisees, trade and non-trade debts receivables, consumer finance loans and finance lease receivables, with a maximum  
exposure equal to the carrying amount of these financial assets.  

The consolidated entity manages the credit risk exposure by taking the following measures: 
• 
• 

The Franchisor constantly monitors and evaluates the financial position of each franchisee; 
Conducting appropriate due diligence on counterparties before entering into an arrangement with them.  It is the  
consolidated entity’s policy that all customers who wish to trade on credit terms are subject to credit verification  
procedures including an assessment of their independent credit rating, financial position, past experience and industry 
reputation.  Risk limits are set for each individual customer in accordance with parameters set by the Board.  These risk 
limits are regularly monitored; 
Minimising concentrations of credit risk by undertaking transactions with a large number of debtors in various countries 
and industries.  Trade receivable balances are monitored on an ongoing basis. 
Non-trade debts receivable are subject to regular monitoring and/or periodic impairment testing to ensure that they are 
recoverable; and 
Finance lease receivables are secured by assets with a value equal to, or in excess of, the counterparties’ obligation to the 
consolidated entity. 

• 

• 

• 

The credit risk on liquid funds and derivative financial instruments is limited because the counterparties are banks with high  
credit-ratings assigned by international credit-rating agencies.  

The table below represents the financial assets of the consolidated entity by geographic location displaying the concentration of 
credit risk for each location as at balance date:  

Location of credit risk 

Australia 

New Zealand 

Singapore and Malaysia 

Slovenia and Croatia 

Ireland and Northern Ireland 

Total 

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

919,136 

21,433 

14,843 

3,308 

3,041 

961,761 

497,774 

35,905 

18,321 

5,603 

3,245 

560,848 

As at 30 June 2021, other than the loss allowance recognised in relation to trade and non-trade debts receivables and consumer 
finance loans as disclosed in Note 7, no financial assets were impaired.  

ANNUAL REPORT JUNE 2021 

 139 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

35  Financial Risk Management (continued) 

(d)        Liquidity Risk 

Liquidity risk includes the risk that, as a result of the consolidated entity’s operational liquidity requirements: 
• 
• 
• 

the consolidated entity will not have sufficient funds to settle a transaction on the due date; 
the consolidated entity will be forced to sell financial assets at a value which is less than what they are worth; or 
the consolidated entity may be unable to settle or recover a financial asset at all. 

To help reduce these risks, the consolidated entity: 
• 
• 

has readily accessible standby facilities and other funding arrangements in place; and 
maintains instruments that are tradeable in highly liquid markets. 

The Board reviews this exposure on a monthly basis from a projected 12-month cash flow forecast, listing of banking facilities,  
explanations of variances from the prior month reports and current funding positions of the overseas controlled entities provided 
by finance personnel.  The following table details the consolidated entity’s remaining contractual maturity for its financial assets 
and financial liabilities.  The financial assets have been disclosed based on the undiscounted contractual maturities of the financial 
assets including interest that will be earned on those assets.  The financial liabilities have been disclosed based on the undiscount-
ed cash flows of the financial liabilities based on the earliest date on which the consolidated entity can be required to pay. 

30 June 2021 

Less than 1 year 
$000 

1 to 2 years 
$000 

2 to 5 years 
$000 

Over 5 years 
$000 

Total 
$000 

Non derivative financial assets 

Cash and cash equivalents 

Receivables from franchisees 

Trade and other receivables 

Other financial assets 

Derivative financial assets 

264,431 

793,228 

100,911 

41,281 

- 

- 

- 

- 

24,411 

46,779 

- 

- 

8,846 

33,083 

264,431 

793,228 

180,947 

74,364 

Forward currency contracts 

95 

- 

- 

- 

95 

Total financial assets 

1,199,946 

24,411 

46,779 

41,929 

1,313,065 

Non derivative financial liabilities 

Trade and other payables 

Interest-bearing loans and borrowings 

Total financial liabilities 

Net maturity 

30 June 2020 

Non derivative financial assets 

Cash and cash equivalents 

Receivables from franchisees 

Trade and other receivables 

Other financial assets 

Total financial assets 

Non derivative financial liabilities 

Trade and other payables 

Interest-bearing loans and borrowings 

Derivative financial liabilities 

355,663 

365,146 

720,809 

- 

201,170 

201,170 

- 

- 

- 

- 

- 

- 

355,663 

566,316 

921,979 

479,137 

(176,759) 

46,779 

41,929 

391,086 

Less than 1 year 
$000 

1 to 2 years 
$000 

2 to 5 years 
$000 

Over 5 years 
$000 

Total 
$000 

313,195 

352,359 

163,859 

30,237 

859,650 

351,772 

106,360 

- 

- 

6,452 

- 

6,452 

- 

- 

40,455 

- 

40,455 

- 

- 

171,388 

25,155 

- 

- 

11,047 

18,176 

29,223 

- 

- 

- 

- 

313,195 

352,359 

221,813 

48,413 

935,780 

351,772 

302,903 

187 

654,862 

Forward currency contracts 

187 

- 

- 

Total financial liabilities 

458,319 

171,388 

25,155 

Net maturity 

401,331 

(164,936) 

15,300 

29,223 

280,918 

 140 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

35  Financial Risk Management (continued) 

(e)        Fair value of Financial Assets and Financial Liabilities 
The fair value of financial assets and financial liabilities are determined as follows: 
• 

• 

• 

• 

The carrying amounts of cash and cash equivalents, receivables from franchisees, trade and other receivables, other  
financial assets, trade and other payables and interest-bearing loans and borrowings are reasonable approximations of fair 
value. 
The fair value of financial assets and financial liabilities with standard terms and conditions and traded on active liquid  
markets are determined with reference to quoted market prices. 
The fair value of other financial assets and financial liabilities (excluding derivative instruments) are determined in  
accordance with generally accepted pricing models based on discounted cash flow analysis using prices from observable 
current market transactions. 
The consolidated entity enters into derivative financial instruments with various counterparties, particularly financial  
institutions with investment grade credit ratings.  Forward currency contracts are valued using valuation techniques which 
employs the use of market observable inputs. 

The consolidated entity uses various methods in estimating the fair value of financial instruments.  The methods comprise: 
Level 1 – the fair value is calculated using quoted prices in active markets. 
Level 2 – the fair value is estimated using inputs other than quoted prices included in Level 1 that are observable for the asset or 
               liability, either directly (as prices) or indirectly (derived from prices). 

The fair value of the financial instruments as well as the methods used to estimate the fair value are summarised in the table below.  

30 June 2021 

Quoted market price (Level 1) 
$000 

Market observable inputs (Level 2) 
$000 

Financial assets 

Listed investments 

Forward currency contracts 

Total financial assets 

30 June 2020 

Financial assets 

Listed investments 

Total financial assets 

Financial liabilities 

Forward currency contracts 

Total financial liabilities 

69,327 

69,327 

- 

95 

95 

Quoted market price (Level 1) 
$000 

Market observable inputs (Level 2) 
$000 

45,688 

45,688 

- 

- 

- 

- 

187 

187 

Total 
$000 

69,327 

95 

69,422 

Total 
$000 

45,688 

45,688 

187 

187 

Quoted market price represents the fair value determined based on quoted prices on active markets as at the reporting date 
without any deduction for transaction costs. The fair value of the listed equity investments are based on quoted market prices and 
are included in level 1. 

The fair value of financial instruments that are not traded in an active market is determined using valuation techniques.  Forward 
currency contracts are measured using quoted forward exchange rates.  These instruments are included in level 2.   

(f)        Capital Risk Management Policy 
The consolidated entity’s capital management policy objectives are to: create long-term sustainable value for shareholders;  
maintain optimal returns to shareholders and benefits to other stakeholders; source the lowest cost available capital; and prevent 
the adverse outcomes that can result from short-term decision making. 

The consolidated entity is constantly adjusting the capital structure to take advantage of favourable costs of capital or high  
returns on assets.  As the market is constantly changing, the consolidated entity may change the amount of dividends to be paid 
to shareholders, return capital to shareholders, issue new shares or sell assets to reduce debt.  The capital structure of the  
consolidated entity consists of debt, which includes the interest-bearing loans and borrowings disclosed in Note 17, cash and 
cash equivalents disclosed in Note 26(a) and equity attributable to equity holders of the parent, comprising ordinary shares,  
retained profits and reserves as disclosed in Notes 22, 23 and 25 respectively.  None of the consolidated entity’s entities are  
subject to externally imposed capital requirements.  

ANNUAL REPORT JUNE 2021 

 141 

 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

35  Financial Risk Management (continued) 

(f)         Capital Risk Management Policy (continued) 

Capital management is monitored through the net debt to equity ratio.  The Capital Management Policy stipulates a net debt to 
equity target for the consolidated entity of less than 50%.  As at 30 June 2021, the consolidated entity had unused, available  
financing facilities of $193.96 million out of total approved financing facilities of $749.52 million.  The net debt to equity ratio as 
at 30 June 2021 was 7.47% (30 June 2020: Nil).    

Borrowings (refer to Note 17: Interest-Bearing Loans and Borrowings) 

Less: Cash and Cash equivalents 

Net Debt / (Cash)  

Total equity (a) 

Net debt to equity ratio (b) 

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

559,969 

264,431 

295,538 

3,956,330 

7.47% 

297,841 

313,195 

(15,354) 

3,533,326 

-0.43% 

(a) 

For the purpose of calculating the net debt to equity ratio, total equity excludes the negative acquisition reserve of $16.27 
million (2020: $18.60 million), the right-of-use assets in respect of property, plant and equipment leases of $511.17  
million (2020: $513.78 million) and investment properties (leasehold): right-of-use assets of $620.46 million (2020: 
$621.90 million) and the lease liabilities recognised under AASB 16 Leases of $1,178.67 million (2020: $1,173.09 million). 

(b) 

As at 30 June 2020, the consolidated entity had net cash of $15.35 million and therefore the net debt to equity ratio was 
disclosed as nil. 

36  Derivative Financial Instruments 

Hedging instruments 

The following table details the derivative hedging instruments as at balance date.  The fair value of a hedging derivative is  
classified as a non-current asset or liability if the remaining maturity of the hedged item is more than 12 months and as a current 
asset or liability if the remaining maturity of the hedged item is less than 12 months.  

Current assets 

Foreign currency contracts—held for trading 

Foreign currency contracts—cash flow hedges 

Current liabilities 

Foreign currency contracts—held for trading 

Foreign currency contracts—cash flow hedges 

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

91 

4 

- 

- 

- 

- 

137 

50 

The consolidated entity has entered into forward currency contracts which are economic hedges but do not satisfy the  
requirements of hedge accounting.  

 142 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

36  Derivative Financial Instruments (continued) 

(a)        Forward currency contracts-held for trading  

Average Exchange Rate 

2021 

2020 

CONSOLIDATED  

Currency 

2021 

2020 

Buy 

$000 

Sell 

$000 

Buy 

$000 

Sell 

$000 

Euro (0-12 months) 

US Dollar (0-12 months) 

Total 

71.44 

76.38 

67.29 

67.40 

5,600 

5,131 

10,731 

- 

- 

- 

3,682 

4,043 

7,725 

- 

- 

- 

These contracts are fair valued by comparing the contracted rate to the market rates at balance date.  All movements in fair value 
are recognised in the income statement in the period they occur.  The net fair value gain on forward currency contracts during 
the year ended 30 June 2021 was $0.09 million for the consolidated entity (2020: net fair value loss of $0.14 million).  

(b)        Forward currency contracts-cash flow hedges 

The consolidated entity purchases inventories from various overseas countries.  As such, the consolidated entity is exposed to 
foreign exchange risk from various currency exposures, primarily with respect to: 
• 
• 

United States dollars; and 
Euro. 

In order to protect against exchange rate movements and to manage the inventory costing process, the consolidated entity has 
entered into forward currency contracts to purchase US dollars and Euro.  These contracts are hedging highly probable  
forecasted purchases and they are timed to mature when payments are scheduled to be made.  The following table details the 
forward currency contracts outstanding as at reporting date:  

Average Exchange Rate 

2021 

2020 

CONSOLIDATED  

Currency 

2021 

2020 

Buy 

$000 

Sell 

$000 

Buy 

$000 

Sell 

$000 

Euro (0-12 months) 

US Dollar (0-12 months) 

Total 

63.27 

- 

59.59 

64.80 

3,386 

- 

3,386 

- 

- 

- 

1,293 

291 

1,584 

- 

- 

- 

The forward currency contracts are considered to be highly effective hedges as they are matched against forecast  inventory  
purchases and firm committed invoice payments for inventory purchases.  During the year ended 30 June 2021, the hedges were 
100% effective (2020: 100% effective), therefore the gain or loss on the contracts attributable to the hedged risk is taken directly 
to other comprehensive income.  When the inventory is delivered the amount recognised in other comprehensive income is  
adjusted to the inventory account in the statement of financial position. 

Movement in the forward currency contract cash flow hedge reserve:  

Opening balance 

Transferred to inventory 

Charged to other comprehensive income 

Closing balance 

ANNUAL REPORT JUNE 2021 

CONSOLIDATED 

June 2021 
$000 

June 2020 
$000 

Increase/(Decrease) 

(35) 

35 

(3) 

(3) 

(2) 

2 

(35) 

(35) 

 143 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

37  Deed of Cross Guarantee 
Pursuant to ASIC Corporations (Wholly-owned Companies) Instrument 2016/785, relief has been granted to certain controlled 
entities of Harvey Norman Holdings Limited from the Corporations Act 2001 requirements for the preparation, audit and  
lodgement of their financial reports.  These controlled entities have entered into a Deed of Cross Guarantee with Harvey Norman 
Holdings Limited (“Closed Group”).  The effect of this Deed of Cross Guarantee is that Harvey Norman Holdings Limited has 
guaranteed to pay any deficiency in the event of winding up a controlled entity within the Closed Group or if the controlled entity 
does not meet its obligations under the terms of overdrafts, loans, leases or other liabilities subject to the guarantee. The  
controlled entities within the Closed Group have also given a similar guarantee in the event that Harvey Norman Holdings  
Limited is wound up or if it does not meet its obligations under the terms of overdrafts, loans, leases or other liabilities subject to 
the guarantee.  The parties to the Deed of Cross Guarantee include Harvey Norman Holdings Limited and the following  
controlled entities: 
• 
• 
• 
• 

Arisit Pty Limited  
Contemporary Design Group Pty Limited 
Derni Pty Limited 
Generic Publications Pty Limited 

Harvey Norman Stores (N.Z.) Pty Limited 
Network Consumer Finance  Pty Limited 
Sarsha Pty Limited 
Yoogalu Pty Limited 

• 
• 
• 
• 

• 

Harvey Norman Big Buys Pty Limited 

The Statement of Financial Position and Income Statement for the Harvey Norman Holdings Limited Closed Group are as follows: 

June 2021 
$000 

June 2020 
$000 

Current Assets 

Cash and cash equivalents 

Trade and other receivables 

Other financial assets 

Inventories 

Intangible assets 

Other assets 

Total current assets 

Non-Current Assets 

Trade and other receivables 

Other financial assets 

Property, Plant & Equipment 

Property, Plant & Equipment: Right-of-use assets 

Intangible assets 

Total non-current assets 

Total assets 

Current Liabilities 

Trade and other payables 

Interest-bearing loans and borrowings 

Lease liabilities 

Income tax payable 

Provisions 

Other liabilities 

Total current liabilities 

Non-Current Liabilities 

Interest-bearing loans and borrowings 

Lease liabilities 

Provisions 

Deferred income tax liabilities 

Total non-current liabilities 

Total liabilities 

NET ASSETS 

131,576 

867,574 

41,296 

235,981 

258 

25,045 

1,301,730 

1,712,820 

299,666 

32,215 

175,641 

60,557 

2,280,899 

3,582,629 

106,984 

295,833 

27,181 

139,639 

32,475 

49,340 

651,452 

200,000 

174,911 

2,121 

111,402 

488,434 

1,139,886 

2,442,743 

188,935 

499,955 

30,237 

207,757 

278 

24,885 

952,047 

1,704,045 

297,642 

33,114 

6,538 

59,037 

2,100,376 

3,052,423 

163,380 

10,184 

2,293 

67,123 

29,617 

46,291 

318,888 

195,000 

12,654 

1,957 

99,259 

308,870 

627,758 

2,424,665 

 144 

ANNUAL REPORT JUNE 2021 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

37  Deed of Cross Guarantee (continued) 

Equity 

Contributed equity 

Reserves 

Retained profits 

Non-controlling interests 

TOTAL EQUITY 

Income Statement 

Profit before income tax 

Income tax 

Profit after tax 

Retained Earnings 

Retained earnings at the beginning of the year 

Profit after tax  

Dividends provided for or paid 

Retained earnings at the end of the year 

38  Parent Entity Financial Information 

Current assets 

Non-current assets 

Total assets 

Current liabilities 

Non-current liabilities 

Total liabilities 

Contributed equity 

Retained profits 

Total Equity 

Profit for the year 

Total Comprehensive Income 

June 2021 
$000 

June 2020 
$000 

717,925 

13,150 

1,711,993 

(325) 

2,442,743 

, 

639,151 

(147,885) 

491,266 

1,694,210 

491,266 

(473,483) 

1,711,993 

717,925 

12,781 

1,694,210 

(251) 

2,424,665 

454,855 

(114,378) 

340,477 

1,676,238 

340,477 

(322,505) 

1,694,210 

PARENT ENTITY 

June 2021 
$000 

June 2020 
$000 

38 

2,838,662 

2,838,700 

124,093 

134,198 

258,291 

717,925 

1,862,484 

2,580,409 

537,438 

537,438 

93 

2,693,100 

2,693,193 

58,516 

118,223 

176,739 

717,925 

1,798,529 

2,516,454 

354,317 

354,317 

Guarantees 
The Parent Company is party to a Deed of Cross Guarantee (“Deed”) with the following controlled entities: 

• 

• 

• 

• 

• 

Arisit Pty Limited  

Contemporary Design Group Pty Limited 

Derni Pty Limited 

Generic Publications Pty Limited 

Harvey Norman Big Buys Pty Limited 

• 

• 

• 

• 

Harvey Norman Stores (N.Z.) Pty Limited 

Network Consumer Finance  Pty Limited 

Sarsha Pty Limited 

Yoogalu Pty Limited 

The effect of this Deed is that the Parent Company has guaranteed to pay any deficiency in the event of winding up one of the 
above controlled entities or if they do not meet their obligations under the terms of overdrafts, loans, leases or other liabilities 
subject to the guarantee.  The above controlled entities have also given a similar guarantee in the event that the Parent Company 
is wound up or if it does not meet its obligations under the terms of overdrafts, loans, leases or other liabilities subject to the 
guarantee.   

ANNUAL REPORT JUNE 2021 

 145 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

38  Parent Entity Financial Information (continued) 

Contingent Liabilities 

Refer to information provided in Note 34: Contingent Liabilities for disclosures relating to the Parent Entity. 

39  Controlled Entities and Unit Trusts 

The listing of controlled entities and unit trusts detailed on this page is not a complete and exhaustive list of all controlled entities 
and unit trusts held by Harvey Norman Holdings Limited.  The financial year of all controlled entities and unit trusts are the same 
as that of the Parent Company.  

Shares held by Harvey Norman Holdings Limited 
A listing of material subsidiaries of Harvey Norman Holdings Limited are detailed below: 

Arisit Pty Limited 1, 2 

Harvey Norman Croatia d.o.o. 15,16 

Harvey Norman Trading d.o.o. 14,15 

Bencoolen Properties Pte Limited 6,7 

Harvey Norman Europe d.o.o. 14,  

Network Consumer Finance Pty Limited 1,2 

Cascade Consolidated Sdn. Bhd. 9,10 

Harvey Norman Holdings (Ireland) Limited 12 

Pertama Holdings Pte Limited 6,7,8 

Consolidated Design Group Pty Limited 1 

Harvey Norman Limited 4 

Pertama Mechandising Pte Ltd 6,9 

Contemporary Design Group Pty Limited 1,2 

Harvey Norman Ossia (Asia) Pte Limited 6,7,8 

Sarsha Pty Limited 1,2 

Derni Pty Limited 1,2 

Harvey Norman Properties (N.Z.) Limited 4,5 

Space Furniture Pte Limited 6,7 

Elitetrax Marketing Sdn. Bhd. 10,11 

Harvey Norman Singapore Pte Limited 6,7 

Space Furniture Collection Sdn. Bhd. 10 

Generic Publications Pty Limited 1,2 

Harvey Norman Stores (N.Z.) Pty Limited 1,2 

Yoogalu Pty Limited 1,2 

Harvey Norman Big Buys Pty Limited 1,2,3 

Harvey Norman Trading (Ireland) Limited 12,13 

Notes: 

1 

2 

3 

4 

5 

6 

7 

8 

9 

Company incorporated in Australia. 

Company is a member of the "Closed Group" relieved under the Class Order described in Note 37. 

Harvey Norman Big Buys Pty Limited holds 99.02% of the shares in the KEH Partnership. 

Company incorporated in New Zealand. 

Shares held by Harvey Norman Limited. 

Company incorporated in Singapore. 

Harvey Norman Singapore Pte Limited owns 100% of the shares in Bencoolen Properties Pte Limited, 60% of the shares in Harvey  
Norman Ossia (Asia) Pte Limited, 100% of the shares in Space Furniture Pte Limited and 50.62% of the shares in Pertama Holdings Pte  
Limited. 

Harvey Norman Ossia (Asia) Pte Limited holds 49.38% of the shares in Pertama Holdings Pte Limited. 

Shares held by Pertama Holdings Pte Limited. 

10  Company incorporated in Malaysia. 

11  Shares held by Cascade Consolidated Sdn. Bhd. 

12  Company incorporated in Ireland. 

13  Shares held by Harvey Norman Holdings (Ireland) Limited. 

14  Company incorporated in Slovenia. 

15 

Harvey Norman Europe d.o.o. owns 100% of the shares in Harvey Norman Trading d.o.o. and 100% of the shares Harvey Norman  
Croatia d.o.o. 

16  Company incorporated in Croatia. 

 146 

ANNUAL REPORT JUNE 2021 

 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)  

39  Controlled Entities and Unit Trusts (continued) 

Units in Trusts held by Harvey Norman Holdings Limited 

A listing of material unit trusts of Harvey Norman Holdings Limited are detailed below: 

Calardu ACT Trust 

Calardu Albury Trust 

Calardu Alexandria DM Trust 

Calardu Alexandria WH Trust 

Calardu Auburn No. 1 Trust 

Calardu Auburn No. 2 Trust 

Calardu Auburn No. 4 Trust 

Calardu Auburn No. 5 Trust 

Calardu Auburn No. 6 Trust 

Calardu Auburn No. 7 Trust 

Calardu Auburn No. 8 Trust 

Calardu Bendigo Trust 

Calardu Brookvale Trust 

Calardu Campbelltown Trust 

Calardu Penrith No. 2 Trust 

Calardu Cannington Trust 

Calardu Perth City West Trust 

Calardu Caringbah (Taren Point) Trust 

Calardu Preston Trust 

Calardu Devonport Trust 

Calardu Frankston Trust 

Calardu Gepps Cross Trust 

Calardu Geraldton Trust 

Calardu Rutherford Trust 

Calardu Silverwater Trust 

Calardu Springvale Trust 

Calardu Taylors Lakes Trust 

Calardu Hoppers Crossing Trust 

Calardu Toowoomba Trust 

Calardu Loganholme Trust 

Calardu Toowoomba No. 1 Trust 

Calardu Malaga Trust 

Calardu Toowoomba No. 2 Trust 

Calardu Maribyrnong Trust 

Calardu Tweed Heads No. 1 Trust 

Calardu Maroochydore Trust 

Calardu Wodonga Trust 

Calardu Midland Trust 

Harvey Norman Discounts No. 1 Trust 

Calardu Browns Plains No. 1 Trust 

Calardu Munno Para Trust 

Harvey Norman No. 1 Trust 

Calardu Cairns Trust 

Calardu Cambridge Trust 

Calardu Penrith Trust 

The Calardu Trust 

Calardu Penrith No. 1 Trust 

40  Significant Events After Balance Date 

From 26 June 2021, the New South Wales (NSW) government announced stay-at-home orders for the greater Sydney area, with 
progressive lockdowns after that date for franchised complexes in greater Sydney and regional areas of NSW, in response to the 
Delta Variant of COVID-19 and rising cases of local transmission.  Thereafter, and up to the date of this report, decisions have 
been made by local governments to impose rolling lockdowns in most States and Territories of Australia.  These government 
mandates have affected franchisee sales in July and August 2021.   

Apart from the above, there have been no circumstances arising since balance date which have significantly affected or may  
significantly affect: 
• 
• 
• 

the operations; 
the results of those operations; or 
the state of affairs of the entity or consolidated entity in future financial years.  

ANNUAL REPORT JUNE 2021 

 147 

 
 
 
 
 
 
 
OPERATING AND FINANCIAL REVIEW (CONTINUED) 

SHAREHOLDER INFORMATION 

Distribution of shareholdings as at 28 September 2021  

Size of holding 

1 – 1,000 

1,001 – 5,000 

5,001 – 10,000 

10,001 – 100,000 

100,001 and over 

Number of shareholders with less than a marketable parcel 

Voting rights 

Ordinary Shareholders 

11,191 

10,395 

2,999 

2,494 

180 

27,259        

1,096 

All ordinary shares issued by Harvey Norman Holdings Limited carry one vote per share. 

Twenty largest shareholders as at 28 September 2021  

Number of  
Ordinary Shares 

Shareholder 

Percentage of  
Ordinary Shares 

392,620,640  Mr. Gerald Harvey 

205,525,565  Mr. Christopher Herbert Brown 

173,318,703  HSBC Custody Nominees Limited 

94,100,077  Citicorp Nominees Pty Limited 

72,093,995 

J P Morgan Nominees Australia Limited 

58,592,289  Ms. Margaret Lynette Harvey 

22,264,123  BNP Paribas Nominees Pty Limited 

21,066,348  National Nominees Limited 

20,063,673 

Enbeear Pty Limited 

19,856,315  Ms. Kay Lesley Page 

5,213,182  Argo Investments Limited 

4,150,984  BKI Investment Company Limited 

3,335,180  Mr. Michael Harvey 

2,033,309  Omnilab Media Investments Pty Limited 

1,585,457  Quotidian No 2 Pty Limited 

1,312,000  Bond Street Custodians Limited 

1,271,126  Merrill Lynch (Australia) Nominees Pty Limited 

1,268,491  Mr. Arthur Brew 

1,161,297  Mr.  Chris Mentis 

1,143,893  Mr.  John Evyn Slack-Smith 

1,101,976,647  

 148 

ANNUAL REPORT JUNE 2021 

31.51% 

16.50% 

13.91% 

7.55% 

5.79% 

4.70% 

1.79% 

1.69% 

1.61% 

1.59% 

0.42% 

0.33% 

0.27% 

0.16% 

0.13% 

0.11% 

0.10% 

0.10% 

0.09% 

0.09% 

88.44%