IBI Group
Annual Report 2016

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T R O P E R L A U N N A 6 1 0 2 P U O R G I B I 2016 CONTENTS T R O P E R L A U N N A 6 1 0 2 P U O R G I B I 2016 HIGHLIGHTS FINANCIAL HIGHLIGHTS – CONTINUING OPER ATIONS Revenues increased 8.3% to $ 354 million Adjusted EBITDA grew to $ 39.2 million, which is 11.1% of revenue Total debt reduced by $ 38.2 million Shareholder equity increased by $ 34.6 million Issued $ 46 million of convertible debentures to December 31, 2021 and lowered effective interest cost by 0.5% Organic growth of USA revenue by 15% OPER ATIONAL HIGHLIGHTS Increased services and revenue from participating in the operation and management of the assets we design, for example: Developed solutions to manage assets within education, healthcare, transit, and office facilities Expanded our presence in India with a number of new contracts, including project management and consulting for the implementation of Bhubaneswar’s Smart City Strategy Implemented an intelligent water delivery and management system – a world-first technology that dramatically reduces energy use and cost of water delivery for cities Progressed major Canadian P3 transit infrastructure contracts, including Eglinton Crosstown LRT, vivaNEXT, and Edmonton Valley Line LRT Reflecting the re-emergence of manufacturing in the USA, delivered automotive facilities for Porsche, GM, Mercedes, and BMW and the design of data centres for GM and Ford, supporting the industry shift into the mobility business Our IBI Learning+ practice was awarded over 20 design commissions for new education facilities projects in the USA in 2016 Supported by significant population growth in major Canadian markets, demand for multi-unit housing in our high-rise residential practice remains strong FOUNDED 1974 PUBLICLY TRADED SINCE 2004 CORPORATE HEAD OFFICE TORONTO THREE SECTORS OF EXPERTISE INTELLIGENCE, BUILDINGS, INFRASTRUCTURE 2016 REVENUES FROM CONTINUING OPERATIONS $ 354 MILLION We are a globally integrated design and technology firm. We design every aspect of a truly integrated city for people to live, work, and play. OUR MISSION Defining the Cities of Tomorrow We define how cities look, how cities feel, and how cities work. OUR VISION We are the global partner to plan, design, build, and sustain the cities of tomorrow. We are holistically minded, design inspired, and technology-driven. OUR VALUES Integrity We do what is right. Partnerships We work together. Excellence We pursue design excellence. Innovation We embrace ingenuity. Community We build community. 2 2016 PROJECT HIGHLIGHTS 1 ONTARIO CENTRAL REGION COMPASS TRANSPORTATION MANAGEMENT CENTRE TORONTO, ON, CANADA IBI Group led a program of intelligence projects for the Greater Toronto Area’s largest traffic control centre. The facility has been designed as a central hub for event and disaster management, enabling collaboration among local transportation agencies. CANADA WEST 17% OF REVENUES CANADA EAST 36% OF REVENUES UK /IREL AND 9% OF REVENUES INTERNATIONAL 5% OF REVENUES USA WEST 16% OF REVENUES USA EAST 17% OF REVENUES EUROPE MEXICO CARIBBEAN MIDDLE EAST INDIA CHINA COUNTRIES REGIONS OFFICES EMPLOYEES 11 6 64 2500 2 3 4 5 511 TRAVELLER INFORMATION LOCATIONS ACROSS THE USA IBI Group continued to increase USA market share of the 511 traveler information system with major new contracts and successful rollouts across five states, incorporating software as a service (SaaS) model. This technology currently reaches one in four Americans. F D C A y b g n i r e d n e R r e v u o c n a V Q r a P PARQ VANCOUVER VANCOUVER, BC, CANADA ONE EMPIRE PASS DEER VALLEY, UT, USA IBI Group is Architect of Record for this 800,000 square foot urban resort located in the city’s entertainment district, which will feature a casino, two hotels, numerous restaurants, and convention facilities. One Empire Pass is an intimate community of private ski-in / ski-out residences in the Deer Valley Resort. The community was conceived to create open, vibrant living, activity, and gathering spaces that foster social relationships among all families. LOS ANGELES CIVIC CENTER MASTER PL AN LOS ANGELES, CA, USA The proposed master land use plan, developed in partnership with Ernst & Young, is a first of its kind ‘Civic Innovation District,’ with the potential to guide future development in the area for the next 15 years. T R O P E R L A U N N A 6 1 0 2 P U O R G I B I 3 LEARN IBI Learning+ creates learning environments that are healthy and connected. CARDIFF UNIVERSIT Y BRAIN RESEARCH IMAGING CENTRE (CUBRIC) CARDIFF, WALES, UK Project Highlights • Opened by Her Majesty The Queen and His Royal Highness The Duke of Edinburgh on June 7, 2016 • One of four MRI laboratories houses the 3T Connectom MRI, an imaging machine so powerful it has been compared to the Hubble Space Telescope; it is also the first of its kind in Europe and the second of its kind in the world • A clinical cluster that brings together the academic community, working clinicians, and private industry • Rated BREEAM ‘Excellent’ 4 y h p a r g o t o h P o r b v o k S a n i t e B y b o t o h P LIVE IBI Living+ designs for diverse living choices and resilient communities. ONE PACIFIC VANCOUVER, BC, CANADA Project Highlights • Recipient of Best Urban High-Rise Residential and Vancouver Sun Reader’s Choice Award at the Pacific Region Urban Development Institute Awards for Excellence • Site incorporates public initiatives including dedicated pedestrian and bike lanes and street extensions • Building infrastructure connects to neighbourhood energy utility for domestic hot water and heating i c fi c a P d r o c n o C f o y s e t r u o C o t o h P T R O P E R L A U N N A 6 1 0 2 P U O R G I B I 5 HEAL IBI Healthcare+ focuses on improving the patient experience, inside and outside the hospital walls. WOMEN’S COLLEGE HOSPITAL TORONTO, ON, CANADA Project Highlights • First patient-centred, ambulatory care hospital in Ontario • Recipient of the Silver Award for Project Development from the Canadian Council for Private Public Partnerships (CCPPP) and the Generative Space Award from the CARITAS Project • Pilot hospital for IBI Group’s Healthcare Challenge – a research project exploring how technology can improve the patient experience • Designated LEED ® Gold 6 MOVE IBI Group is engineering urban journeys that shape vibrant cities. MISSISSAUGA BUS RAPID TRANSIT MISSISSAUGA, ON, CANADA Project Highlights • An 18 km regional transit corridor that connects with Toronto public transit • Conceptual design for all 12 proposed stations, and subsequent construction documents for the 10 new stations • Facilities include commuter parking, Kiss & Ride, and Bike & Ride Tahoe Station T R O P E R L A U N N A 6 1 0 2 P U O R G I B I 7 Central Parkway Station l i G i a h S y b s o t o h P RESILIENT CITY, RESILIENT FIRM We’re shaping the future of cities at every scale. From software creation to product design to fully livable communities, IBI Group is a global leader in urban growth. Design and technology have evolved in the last decade. Architecture, engineering, planning, and urban design are disciplines that require practitioners to not only create for what is seen by the eye, but to account for all that is unseen, to understand how the assets they design connect with their ecosystems. Understanding what is commonly invisible and how it interacts with space and place is the new charge for resilient firms today. Technology is allowing us to design these interactions in new ways – blurring boundaries between professions, land uses, and building types, all within the dynamic place that is our city, our community. At IBI Group, we believe in creating healthy cities that are adaptable to change. That’s why we have become strategic partners with our clients. Our global reach, accompanied by the breadth of our practice, gives IBI a unique opportunity to solve local problems with expertise from a global network. PIVOTING TOWARDS TECHNOLOGY Technology underpins the changes we are seeing in how we live, learn, heal, and move within and through our communities. IBI Group’s long history as a technology firm, combined with our extensive design expertise across sectors, means we are experts in using intelligence to design the buildings and infrastructure that make those communities connected, livable, sustainable, and prosperous. 2016 was a pivotal year for IBI as we strengthened our Intelligence practice and extended the incorporation of design technology throughout our work. We developed new asset management systems for clients, strengthened our analytics group, and leveraged an emergent 3D and data visualization expertise to drive better design outcomes. And these developments are just the beginning of a burgeoning product development and operations capability for the firm. Financially, with continued growth in revenue and EBITDA, the redemption of outstanding convertible debentures, and the refinancing of our debt, we are in a very stable position to enable and drive growth through next year and beyond. In 2017, IBI will continue to have a strong and stabilizing presence in Canada, while targeting growth in the USA and select international markets. We are rolling out a set of strategic initiatives that will not only grow our core consulting business, but also transition us to a technology-driven design firm. Additionally, we will provide even more value to our clients by operating and maintaining the intelligent systems, buildings, and infrastructure that we design for them. This will mean diversifying our existing business model to create more predictable revenue flows and offer an agile set of products and services that will help our clients, and in turn, their cities, be capable of adapting to change. With the continued expansion of urban regions, the rising investments in infrastructure globally, and the increased importance of technology, IBI Group is ideally positioned for growth. 8 2016 GOALS, STRATEGIES, AND PERFORMANCE GOALS STRATEGIES METRICS PERFORMANCE GROW TH A FOCUSED APPROACH INCREASE OUR TOP-LINE REVENUE INCREASED BY $ 27 MILLION Grow our fee- based professional services business. Focus on major revenue generators, pursue areas that have potential for substantial growth, and concentrate on higher margin services. REVENUE CONSISTENT WITH INDUSTRY NORMS TO $ 354 MILLION IN 2016 FINANCIALS Provide a stable, sustainable financial base. EFFICIENT AND SUSTAINABLE Continue to improve our financial operations and work on a sustainable and productive long- term relationship with capital markets. ACHIEVE AN EBITDA CONSISTENT WITH INDUSTRY NORMS, WHICH ARE T YPICALLY 8 –12% EBITDA INCREASED BY $ 4.9 MILLION TO $ 39. 2 MILLION IN 2016 REDUCE DAY SALES OUTSTANDING (DSO) DSO REDUCED FROM 85 DAYS TO 80 DAYS AT DECEMBER 31, 2016 OPERATIONS Maximize efficiency and effectiveness. GLOBAL FIRM, PROFESSIONALLY MANAGED Consolidate / regionalize services, implement effective internal processes and systems, and improve operational efficiency and responsiveness. INCREASE FEE REVENUE SHARE ON PROJECTS BY LEVERAGING INTERNAL EXPERTISE COMMISSIONED TASK FORCES ON QUALIT Y MANAGEMENT AND SUSTAINABILIT Y, ENSURING COMMON, FIRM-WIDE STANDARDS AND APPROACHES INCREASE COLL ABORATION BET WEEN OFFICES ADOPTION OF COMPANY-WIDE ERP SYSTEM TALENT THOUGHT LEADERSHIP REDUCE VOLUNTARY VOLUNTARY TURNOVER REDUCED BY 7.8% Nurture and develop our internal pool of talent. Encourage a culture of curiosity and innovation, engage, support and mentor staff, and hire the best and brightest. TURNOVER INCREASE STAFF DEVELOPMENT OPPORTUNITIES • EXECUTED FIRM-WIDE PROJECT MANAGEMENT AND FINANCE 101 TRAINING • 2,300+ COURSE CERTIFICATES ISSUED BY THE ‘IBIU’ INTERNAL TRAINING PROGRAM DEVELOP GREATER DIVERSIT Y AMONG STAFF • LAUNCHED COMPANY WELLNESS PROGRAM • LAUNCHED WOMEN’S LEADERSHIP NET WORK AGILIT Y A NET WORKED AND INCREASE OUR ADOPTED ADVANCED VISUALIZ ATION TOOLS Increase flexibility, adaptability, and resilience. DIVERSIFIED COMPANY INTELLIGENCE REVENUE Diversify our regional services, strengthen our cross-sector initiatives, share resources and information, and collaborate across geographies. SHARE IN THE BUILDINGS AND INFRASTRUCTURE SECTORS DIVERSIF Y OUR BUSINESS • DEVELOPED SOLUTIONS TO MANAGE ASSETS TO ENCOMPASS OPERATIONS AND MAINTENANCE AS WELL AS DESIGN CONSULTING WITHIN FACILITIES ACROSS MULTIPLE SECTORS • OPERATED 511 TRAVELLER INFORMATION SYSTEM, REACHING 1 IN 4 AMERICANS 9 “In 2017, we are making strategic investments in key markets, especially in the USA and in software and technology, allowing IBI to provide enhanced services to our clients.” MESSAGE FROM THE CEO, SCOTT STEWART 2016 was another year of strong growth, solid financial performance, an improved balance sheet, and corporate transformation. IBI Group benefited from continued urbanization, major investments in infrastructure, and growing needs and opportunities for technology to better deliver urban services. Canada is still our major market, but we see solid growth in the USA and International operations. We have continued our investment in staff, the tools we use and the procedures we apply, improving the quality of our services, the employee experience, and ensuring our competitive position in the market. Our improved financial standing and debt reduction puts the firm in a strong position to respond to changes in the political and the economic environment we have seen over the past year, and make strategic investments to grow the business. In 2017, we are making those investments in key markets, especially in the USA and in software and technology, allowing IBI to provide enhanced services to our clients. The ultimate objective is to transition IBI into a technology-based design firm that participates in and creates value throughout the life of the assets we design. This will be transformative, changing our business model, strengthening our relationship with clients, and creating new services for end-users. SCOTT STEWART CEO T R O P E R L A U N N A 6 1 0 2 P U O R G I B I 11 MESSAGE FROM THE PRESIDENT, DAVID THOM 2016 allowed us to leverage our global thought leadership across different sectors to inspire staff, drive growth, and respond to the challenges of an urban future. Three years ago, we set out on the bold task of redesigning IBI Group through our firm’s first strategic plan. In 2015, we started aligning our practice areas with our clients’ market segments. Last year’s focus was on tapping our knowledge base to further strengthen our position as global thought leaders to ensure strong, sustained growth in the years to come. We began this journey by looking at our internal knowledge pool. First we crowd-sourced ideas from our staff on how to leverage our collective experience. This resulted in a series of staff-driven initiatives to develop emerging leaders, to foster wellness for staff, and develop a vision for the IBI of the future. The insights allowed us to conceive a model for staff-directed micro-research. In addition, an internal design competition produced a series of innovative healthcare sector, design, and technology solutions that we are now taking to market. The energy of these internal initiatives has progressively been channeled to our clients and followers. We launched our new blog, TH!NK by IBI, showcasing our multidisciplinary thinking on urban futures. We reenergized our social media presence by engaging in dialogue about the future of cities. We rolled out our Instagram account, presenting a visual story of what inspires us. And, we shared the insights of our first micro-research project, exploring the effects of driverless cars on cities. Our strengthened global thought leadership position has not passed unnoticed by the markets: • We have won high-profile projects, such as the Bhubaneswar Smart City Strategy in India and the FTA mobility-on-demand ‘sandbox’ grant in Portland, Oregon; • We have completed prominent Healthcare+ projects, such as the award- winning Women’s College Hospital in Toronto that built on the success of super-hospitals in Glasgow and Montreal; • We have bolstered our Living+ practice by winning a USA-wide competition for Aging in Place and established a seniors studio centre of excellence to think through the impact of an aging population on cities; • Our Learning+ practice won the state of Texas’ highest award for educational facility design and will soon open a $160 M educational village in the fastest growing school district in Texas. These and other examples underpin our strong financial performance, particularly in the USA, where we had double-digit growth during 2016. For 2017, we will focus on advancing our goal to transform IBI Group into an integrated design and technology firm. If 2016 is an indication, 2017 will be an even better year for IBI. DAVID THOM PRESIDENT 12 T R O P E R L A U N N A 6 1 0 2 P U O R G I B I “The growth in our revenue and profitability was to the benefit of all shareholders with our share price more than doubling in 2016.” MESSAGE FROM THE CHAIR OF THE BOARD, DALE RICHMOND With long-term growth in urban markets, a prosperous, resilient IBI Group is poised for a strong and sustainable future. In 2016, IBI Group realized additional potential from the transformative change it undertook in 2013 under the leadership of our CEO, Scott Stewart and our President, David Thom. Benefiting from a sustainable and resilient platform for growth, we are in a strong financial position and experienced growth in revenue in 2016. Through the deployment of a global enterprise resource planning system, and the enhancement of operational and financial controls, the firm continued to improve the efficiency and quality of its operations. The growth in our revenue and profitability was to the benefit of all shareholders with our share price more than doubling in 2016. Economic growth is increasingly concentrated in urban and infrastructure markets and our core business is strong and growing. Also, IBI’s long history of systems and intelligence excellence and innovation, positions the firm to compete in an industry where technology plays an increasingly important role. The Board, working with IBI Group’s senior management, and with the interests of shareholders in mind, will continue to guide the firm in ways that will allow it to grow and prosper. DALE RICHMOND CHAIR OF THE BOARD 14 S L A I C N A N I F 6 1 0 2 S L A I C N A N I F 6 1 0 2 16                                                CONSOLIDATED  FINANCIAL  STATEMENTS  OF    IBI  GROUP  INC.    YEARS  ENDED  DECEMBER  31,  2016  AND  2015           IBI  GROUP  INC.   CONSOLIDATED  STATEMENT  OF  FINANCIAL  POSITION   (thousands  of  Canadian  dollars)   ASSETS   Current  Assets   Cash     Restricted  cash   Accounts  receivable   Work  in  process   Prepaid  expenses  and  other  current  assets   Income  taxes  recoverable   Total  Current  Assets   Restricted  cash   Other  assets   Property  and  equipment   Investment  in  equity  accounted  investee   Intangible  assets   Deferred  tax  assets   TOTAL  ASSETS   LIABILITIES  AND  DEFICIT   LIABILITIES   Current  Liabilities   Accounts  payable  and  accrued  liabilities   Deferred  revenue   Vendor  notes  payable   Income  taxes  payable   Consent  fee  notes  payable   Finance  lease  obligation   Onerous  lease  provisions   Total  Current  Liabilities   Onerous  lease  provisions   Finance  lease  obligation   Credit  facilities   Convertible  debentures   Other  financial  liabilities   Deferred  tax  liabilities   TOTAL  LIABILITIES   EQUITY/(DEFICIT)   Shareholders’  Equity/(Deficit)   Share  capital   Capital  reserve   Contributed  surplus   Deficit   Convertible  debentures  –  equity  component   Accumulated  other  comprehensive  loss   Total  Shareholders’  Equity/(Deficit)   Non-­controlling  interest   TOTAL  EQUITY/(DEFICIT)   TOTAL  LIABILITIES  AND  EQUITY/(DEFICIT)   NOTES   DECEMBER  31,   2016     DECEMBER  31,   2015   6   6,12   6,12   5   9   6,12   7   20   8   9   6,12   5   6,19   9   6,19   6,12   6,12   6   6   6   9   11   11   6   11   $   $   $   $   $   $   $   $    8,008       $                                        7,968      3,238      111,771      80,622      11,825      1,796      217,002       $                                217,220      –      108,593        87,052        12,842        507        4,522        421        15,772        –      7,672        16,421        2,010      480      14,923      32      6,891      13,684      261,810       $                                255,240      55,505        50,522        –      1,860        –      37        1,018        54,423      38,675      4,238      1,570      3,067      148      995      108,942       $                                103,116      2,270        67        73,184        43,876        9,089        4,176        3,244      104      72,277      84,720      -­    6,660      241,604       $                                270,121      279,667        453        7,397        (269,351)      561        (4,304)      248,422      -­    3,002      (272,165)    4,956      (4,220)    14,423       $                                  (20,005)    5,783        5,124      20,206       $                                  (14,881)    261,810       $                                255,240     See  accompanying  notes  to  the  consolidated  financial  statements.   2   T R O P E R L A U N N A 6 1 0 2 P U O R G I B I A-2                                                                                                                                                                                                                                                                         IBI  GROUP  INC.   CONSOLIDATED  STATEMENT  OF  COMPREHENSIVE  INCOME  (LOSS)   YEAR  ENDED  DECEMBER  31,  2016   (thousands  of  Canadian  dollars,  except  per  share  amounts)   Revenue   Expenses   Salaries,  fees  and  employee  benefits   Rent   Other  operating  expenses   Foreign  exchange  loss  (gain)   Amortization  of  intangible  assets   Depreciation  of  property  and  equipment   Decrease  in  fair  value  of  other  financial  liabilities   Impairment  of  financial  assets   OPERATING  INCOME   Interest  expense,  net   Other  finance  costs   FINANCE  COSTS   Share  of  loss  of  equity  accounted  investee,  net  of  tax   NET  INCOME  BEFORE  TAX   Current  tax  expense     Deferred  tax  (recovery)  expense     INCOME  TAXES   Net  income  from  continuing  operations   Net  loss  from  discontinued  operations   NET  INCOME   OTHER  COMPREHENSIVE  LOSS   Items  that  are  or  may  be  reclassified  to  profit  or  loss   Loss  on  translating  financial  statements  of  foreign     operations,  from  continuing  operations,  net  of  tax   OTHER  COMPREHENSIVE  LOSS,  NET  OF  TAX   TOTAL  COMPREHENSIVE  INCOME   NET  INCOME  ATTRIBUTABLE  TO:   Common  shareholders   Non-­controlling  interests   NET  INCOME   TOTAL  COMPREHENSIVE  INCOME      ATTRIBUTABLE  TO:   Common  shareholders   Non-­controlling  interests   TOTAL  COMPREHENSIVE  INCOME   EARNINGS  PER  SHARE  ATTRIBUTABLE  TO        COMMON  SHAREHOLDERS   Basic  earnings  per  share     Diluted  earnings  per  share     Basic  earnings  per  share  from        continuing  operations   Diluted  earnings  per  share  from        continuing  operations   Basic  and  diluted  earnings  per  share  from        discontinued  operations   NOTES   2016   2015   $                354,140       $                327,092     14   12(a)   8   7   12    248,869        22,740        41,781        7,363        1,002        4,323        (1,819)      1,653        325,912        229,900      23,466      37,136      (8,699)    784      4,024      -­    1,486      288,097     $                    28,228       $                    38,995     12,15   15    25,553        1,642        21,792      908     $                    27,195       $                    22,700     20   9   9    785     $                        1,001       $                    15,510      32        2,908        (5,401)      381      3,793     $                    (2,493)     $                        4,174      11,336      (1,873)   $                        3,494       $                        9,463      3,494        -­      (1,054)    (1,054)   $                        3,389       $                        8,409      (105)      (105)      7,381      2,082     $                        3,494       $                        9,463      2,814        680       $                        2,730       $                        6,559      1,850     $                        3,389       $                        8,409      659       11   11   11   11   $                            0.11       $                            0.41     $                            0.11       $                            0.41     11   $                            0.11       $                            0.49     11   $                            0.11       $                            0.49     11   $                                        -­       $                        (0.08)   A-3 See  accompanying  notes  to  the  consolidated  financial  statements.   3                                                                                                                                                                                                                                             IBI  GROUP  INC.   CONSOLIDATED  STATEMENT  OF  COMPREHENSIVE  INCOME  (LOSS)   IBI  GROUP  INC.   CONSOLIDATED  STATEMENT  OF  CASH  FLOWS   YEAR  ENDED  DECEMBER  31,  2016   (thousands  of  Canadian  dollars,  except  per  share  amounts)   Revenue   Expenses   Rent   Salaries,  fees  and  employee  benefits   Other  operating  expenses   Foreign  exchange  loss  (gain)   Amortization  of  intangible  assets   Depreciation  of  property  and  equipment   Decrease  in  fair  value  of  other  financial  liabilities   Impairment  of  financial  assets   OPERATING  INCOME   Interest  expense,  net   Other  finance  costs   FINANCE  COSTS   Share  of  loss  of  equity  accounted  investee,  net  of  tax   NET  INCOME  BEFORE  TAX   Current  tax  expense     Deferred  tax  (recovery)  expense     INCOME  TAXES   Net  income  from  continuing  operations   Net  loss  from  discontinued  operations   NET  INCOME   OTHER  COMPREHENSIVE  LOSS   Items  that  are  or  may  be  reclassified  to  profit  or  loss   Loss  on  translating  financial  statements  of  foreign     operations,  from  continuing  operations,  net  of  tax   OTHER  COMPREHENSIVE  LOSS,  NET  OF  TAX   TOTAL  COMPREHENSIVE  INCOME   NET  INCOME  ATTRIBUTABLE  TO:   Common  shareholders   Non-­controlling  interests   NET  INCOME   TOTAL  COMPREHENSIVE  INCOME      ATTRIBUTABLE  TO:   Common  shareholders   Non-­controlling  interests   TOTAL  COMPREHENSIVE  INCOME   EARNINGS  PER  SHARE  ATTRIBUTABLE  TO        COMMON  SHAREHOLDERS   Basic  earnings  per  share     Diluted  earnings  per  share     Basic  earnings  per  share  from        continuing  operations   Diluted  earnings  per  share  from        continuing  operations   Basic  and  diluted  earnings  per  share  from        discontinued  operations   NOTES   2016   2015   $                354,140       $                327,092     12(a)   14   8   7   12    248,869        229,900      22,740        41,781        7,363        1,002        4,323        (1,819)      1,653        325,912        23,466      37,136      (8,699)    784      4,024      -­    1,486      288,097     $                    28,228       $                    38,995     12,15   15    25,553        1,642        21,792      908     $                    27,195       $                    22,700     20   9   9    32        785     $                        1,001       $                    15,510      2,908        (5,401)      381      3,793     $                    (2,493)     $                        4,174      3,494        -­      11,336      (1,873)   $                        3,494       $                        9,463      (105)      (105)      (1,054)    (1,054)   $                        3,389       $                        8,409      2,814        680        7,381      2,082     $                        3,494       $                        9,463     $                        2,730       $                        6,559      659        1,850     $                        3,389       $                        8,409     11   11   11   11   $                            0.11       $                            0.41     $                            0.11       $                            0.41     11   $                            0.11       $                            0.49     11   $                            0.11       $                            0.49     11   $                                        -­       $                        (0.08)   YEAR  ENDED  DECEMBER  31,  2016   (thousands  of  Canadian  dollars)   CASH  FLOWS  PROVIDED  BY  OPERATING  ACTIVITIES   Net  income   Items  not  affecting  cash:   Onerous  lease  provision   Depreciation  of  property  and  equipment   Amortization  of  intangible  assets   Amortization  of  deferred  financing  costs   Impairment  of  financial  assets   Share  of  loss  of  equity-­accounted  investee,        net  of  tax   Foreign  exchange  loss  (gain)   Interest  expense,  net   Deferred  tax  (recovery)  expense   Stock  option  expense   Decrease  in  fair  value  of  other  financial  liabilities   Interest  paid   Income  taxes  paid   NOTES   2016   2015   $                        3,494      $                        9,463     7   8   6   20   12   15   9    (951)      4,323        1,002        1,041        1,653        32        7,363        25,553        (5,401)      453        (1,819)      (8,608)      (1,449)      (499)    4,024      784      245      1,486      785      (8,699)    21,792      3,793      -­    -­    (14,824)    (1,486)   Change  in  non-­cash  operating  working  capital   NET  CASH  PROVIDED  BY  OPERATING  ACTIVITIES   13    4,164        13,962     $                    30,850      $                    30,826     CASH  FLOWS  USED  IN  FINANCING        ACTIVITIES   Payments  on  principal  of  notes  payable   Payments  on  principal  of  credit  facilities     Payments  on  principal  of  consent  fee   Issuance  of  convertible  debentures   Costs  from  issuance  of  convertible  debentures   Redemption  of  convertible  debentures   Deferred  financing  costs   Payments  on  principal  of  finance  lease  obligation   Proceeds  from  shares  issued   NET  CASH  USED  IN  FINANCING        ACTIVITIES   CASH  FLOWS  USED  IN  INVESTING        ACTIVITIES     Purchase  of  property  and  equipment   Purchase  of  intangible  assets   Restricted  cash   NET  CASH  USED  IN  INVESTING  ACTIVITIES   Effect  of  foreign  exchange  rate  fluctuations  on        cash  held   NET  INCREASE  (DECREASE)  IN  CASH   Cash,  beginning  of  period   CASH,  END  OF  PERIOD   19   6   6   6   6   11   7   8    (4,076)      (1,263)      (3,545)      46,000        (2,594)      (57,500)      -­      (148)      -­      (1,609)    (2,573)    -­    -­    -­    (20,000)    (2,839)    (676)    5,579     $                (23,126)     $                (22,118)    (5,529)      (2,070)      629        (5,613)    (1,650)    (4,857)   $                    (6,970)     $                (12,120)   12    (714)      1,038     $                                  40       $                    (2,374)    7,968        10,342     $                        8,008      $                        7,968     See  accompanying  notes  to  the  consolidated  financial  statements.   3   See  accompanying  notes  to  the  consolidated  financial  statements.   4   T R O P E R L A U N N A 6 1 0 2 P U O R G I B I A- 4                                                                                                                                                                                                                                                                                                                                                                                                     IBI  GROUP  INC.   CONSOLIDATED  STATEMENT  OF  CHANGES  IN  EQUITY/(DEFICIT)   YEAR  ENDED  DECEMBER  31,  2016   (thousands  of  Canadian  dollars)   SHARE  CAPITAL     Share  capital,  beginning  of  period   Shares  issued     SHARE  CAPITAL,  END  OF  PERIOD   CAPITAL  RESERVE   Capital  reserve,  beginning  of  period   Stock  options   CAPITAL  RESERVE,  END  OF  PERIOD   CONTRIBUTED  SURPLUS   Contributed  surplus,  beginning  of  period   Redemption  of  5.75%  debentures   Redemption  of  6%  debentures   Conversion  of  7%  debentures   CONTRIBUTED  SURPLUS,  END  OF  PERIOD   DEFICIT   Deficit,  beginning  of  period   Net  income  attributable  to        common  shareholders   DEFICIT,  END  OF  PERIOD   CONVERTIBLE  DEBENTURES  –  EQUITY  COMPONENT   Convertible  debentures,  beginning  of  period   Redemption  of  5.75%  debentures   Redemption  of  6%  debentures   Conversion  of  7%  debentures   CONVERTIBLE  DEBENTURES,  END  OF  PERIOD   ACCUMULATED  OTHER  COMPREHENSIVE  LOSS   Accumulated  other  comprehensive  loss,        beginning  of  period   Other  comprehensive  loss  attributable  to      common  shareholders   ACCUMULATED  OTHER  COMPREHENSIVE  LOSS,        END  OF  PERIOD   NOTES   2016   2015   11   $                248,422       $                235,036      13,386     $                279,667       $                248,422      31,245       $                                        -­       $                                        -­      -­   $                              453       $                                        -­      453        3,002        -­      2,106      896      -­    -­   $                        7,397      $                        3,002      3,206        1,189        (272,165)      (279,546)    2,814        7,381     $            (269,351)     $            (272,165)   6(b)   6(b)   6(b)   6(b)    4,956        5,852      (896)    -­    -­   $                              561       $                        4,956      -­      (3,206)      (1,189)      (4,220)      (3,398)    (84)      (822)   $                    (4,304)     $                    (4,220)   TOTAL  SHAREHOLDERS'  EQUITY/(DEFICIT)   $                    14,423       $                (20,005)   NON-­CONTROLLING  INTEREST   Non-­controlling  interest,  beginning  of  period   Total  comprehensive  income  attributable  to     non-­controlling  interests   Issuance  of  shares   NON-­CONTROLLING  INTEREST,  END  OF  PERIOD    5,124        1,305     11   11    1,850      1,969     $                        5,783       $                        5,124      659        -­     TOTAL  EQUITY/(DEFICIT),  END  OF  PERIOD   $                    20,206       $                (14,881)   A-5 See  accompanying  notes  to  the  consolidated  financial  statements.   5                                                                                                                                                                                                                                                 IBI  GROUP  INC.   YEAR  ENDED  DECEMBER  31,  2016   (thousands  of  Canadian  dollars)   SHARE  CAPITAL     Share  capital,  beginning  of  period   Shares  issued     SHARE  CAPITAL,  END  OF  PERIOD   CAPITAL  RESERVE   Capital  reserve,  beginning  of  period   Stock  options   CAPITAL  RESERVE,  END  OF  PERIOD   CONTRIBUTED  SURPLUS   Contributed  surplus,  beginning  of  period   Redemption  of  5.75%  debentures   Redemption  of  6%  debentures   Conversion  of  7%  debentures   CONTRIBUTED  SURPLUS,  END  OF  PERIOD   DEFICIT   Deficit,  beginning  of  period   Net  income  attributable  to        common  shareholders   DEFICIT,  END  OF  PERIOD   CONVERTIBLE  DEBENTURES  –  EQUITY  COMPONENT   Convertible  debentures,  beginning  of  period   Redemption  of  5.75%  debentures   Redemption  of  6%  debentures   Conversion  of  7%  debentures   CONVERTIBLE  DEBENTURES,  END  OF  PERIOD   ACCUMULATED  OTHER  COMPREHENSIVE  LOSS   Accumulated  other  comprehensive  loss,        beginning  of  period   Other  comprehensive  loss  attributable  to      common  shareholders   ACCUMULATED  OTHER  COMPREHENSIVE  LOSS,        END  OF  PERIOD   NON-­CONTROLLING  INTEREST   Non-­controlling  interest,  beginning  of  period   Total  comprehensive  income  attributable  to     non-­controlling  interests   Issuance  of  shares   NON-­CONTROLLING  INTEREST,  END  OF  PERIOD   NOTES   2016   2015   $                248,422       $                235,036     11    31,245        13,386     $                279,667       $                248,422     $                                        -­       $                                        -­      453       $                              453       $                                        -­      -­    -­    -­    2,106      896      3,002        -­      3,206        1,189       $                        7,397      $                        3,002      (272,165)      (279,546)    2,814        7,381     $            (269,351)     $            (272,165)   6(b)   6(b)   6(b)   6(b)    4,956        -­      (3,206)      (1,189)      5,852      (896)    -­    -­   $                              561       $                        4,956      (4,220)      (3,398)    (84)      (822)   $                    (4,304)     $                    (4,220)    5,124        1,305     11   11    659        -­      1,850      1,969     $                        5,783       $                        5,124     CONSOLIDATED  STATEMENT  OF  CHANGES  IN  EQUITY/(DEFICIT)   NOTE  1:  ORGANIZATION  AND  DESCRIPTION  OF  THE  BUSINESS   IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   IBI  Group  Inc.  (the  “Company”)  is  a  company  incorporated  pursuant  to  the  provisions  of  the  Canada   Business  Corporations  Act  (the  “CBCA”)  on  September  30,  2010  and  is  the  successor  to  IBI  Income   Fund  (the  “Fund”),  an  unincorporated,  open-­ended  limited  purpose  trust  established  under  the  laws  of   Ontario.     The  Fund  was  created  on  July  23,  2004,  to  indirectly  acquire  the  outstanding  Class  A  partnership  units   of  IBI  Group  Partnership  (“IBI  Group”),  a  general  partnership  formed  and  carrying  on  business  under   the  laws  of  the  Province  of  Ontario.  As  at  December  31,  2016,  the  Company’s  common  share  capital   consisted  of  31,186,819  (2015  –  24,966,744)  issued  and  outstanding  shares.  Each  share  entitles  the   holder  to  one  vote  at  all  meetings  of  shareholders.     IBI   Group   also   issued   Class   B   partnership   units   to   IBI   Group   Management   Partnership   (the   “Management  Partnership”),  the  entity  that  carried  on  the  operations  of  the  Fund  prior  to  its  acquisition   by  the  Fund.  The  Class  B  partnership  units  of  IBI  Group  are  indirectly  exchangeable  for  shares  on  the   basis  of  one  share  of  the  Company  for  each  Class  B  subordinated  partnership  unit.  Class  B  partnership   units  do  not  entitle  the  holder  to  voting  rights  at  the  meetings  of  shareholders  of  the  Company.     If  all  of  the  outstanding  Class  B  partnership  units  were  converted  to  common  shares,  the  common  share   capital  as  at  December  31,  2016  would  be  37,469,041  (December  31,  2015  –  31,248,966).  If  the  Class   B  partnership  units  were  converted,  the  Management  Partnership  and  affiliated  partnerships  would  hold   37.5%  of  the  voting  shares  as  at  December  31,  2016  (December  31,  2015  –  44.5%).   The   table   below   summarizes   the   ownership   of   the   Company   by   the   Management   Partnership   and   affiliated  partnerships  as  at  December  31,  2016:   NUMBER  OF   UNITS  HELD     PERCENTAGE   OF  TOTAL   OWNERSHIP   Class  B  partnership  units  and  non-­participating  voting  shares  held        by  the  Management  Partnership   Common  shares  held  by  the  Management  Partnership  and        affiliated  partnerships    6,282,222     16.77%    7,763,329     20.72%   TOTAL  SHAREHOLDERS'  EQUITY/(DEFICIT)   $                    14,423       $                (20,005)   The   table   below   summarizes   the   ownership   of   the   Company   by   the   Management   Partnership   and   affiliated  partnerships  as  at  December  31,  2015:   TOTAL  EQUITY/(DEFICIT),  END  OF  PERIOD   $                    20,206       $                (14,881)     Class  B  partnership  units  and  non-­participating  voting  shares  held      6,282,222     20.10%      by  the  Management  Partnership   Common  shares  held  by  the  Management  Partnership  and        affiliated  partnerships    7,619,874     24.40%   NUMBER  OF   UNITS  HELD     PERCENTAGE   OF  TOTAL   OWNERSHIP   See  accompanying  notes  to  the  consolidated  financial  statements.   5   6   T R O P E R L A U N N A 6 1 0 2 P U O R G I B I A-6                                                                                                                                                                                                                                                                                                                                                           IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   Through   IBI   Group,   the   Company   is   an   international,   multi-­disciplinary   provider   of   a   broad   range   of   professional   services   focused   on   the   physical   development   of   cities.   IBI   Group's   business   is   concentrated  in  three  main  areas  of  development,  being  intelligence,  buildings  and  infrastructure.  The   professional   services   provided   by   IBI   Group   include   planning,   design,   implementation,   analysis   of   operations  and  other  consulting  services  related  to  these  three  main  areas  of  development.       The  table  below  summarizes  the  trading  symbols  of  the  Company’s  securities  which  are  listed  on  the   Toronto  Stock  Exchange  as  at  December  31,  2016:     SECURITY       Common  shares   7.0%  convertible  debentures  (Option  A),  $14,755  principal,  convertible  at            $19.17  per  share,  matures  on  June  30,  2019  ("7.0%  Debentures")   5.5%  convertible  debentures,  $46,000  principal,  convertible  at  $8.35          per  share,  matures  on  December  31,  2021  ("5.5%  Debentures")   TRADING  SYMBOL   “IBG”   “IBG.DB.C”   "IBG.DB.D"   The  Company’s  registered  head  office  is  55  St.  Clair  Ave.  West,  7th  Floor,  Toronto,  Ontario,  M5V  2Y7.   NOTE  2:  BASIS  OF  PREPARATION   (a)  STATEMENT  OF  COMPLIANCE     These  consolidated  financial  statements  of  the  Company  and  its  subsidiaries  (the  “consolidated  group”)   have  been  prepared  in  accordance  with  International  Financial  Reporting  Standards  (“IFRS”),  as  issued   by   the   International   Accounting   Standards   Board   (“IASB”)   and   interpretations   of   the   International   Financial  Reporting  Interpretations  Committee  (“IFRIC”).     The   consolidated   financial   statements   were   authorized   for   issuance   by   the   Company’s   Board   of   Directors  on  March  7,  2017.   (b)  BASIS  OF  MEASUREMENT   These   consolidated   financial   statements   were   prepared   on   a   going   concern   basis.   Amounts   are   recorded   under   the   historical   cost   convention,   except   for   certain   financial   liabilities   measured   at   fair   value  through  profit  or  loss  (“FVTPL”),  as  described  in  Note  3(i).   (c)  BASIS  OF  CONSOLIDATION   SUBSIDIARIES   Subsidiaries  are  entities  over  which  the  Company  has  control.  An  investor  controls  an  investee  when   the  investor  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.   The   financial   statements   of   subsidiaries   are   included   in   the   consolidated   financial   statements   from   the   date   that   effective   control   commences  and  are  de-­consolidated  from  the  date  control  ceases.   JOINT  ARRANGEMENTS   The  Company  performs  the  majority  of  its  construction  projects  through  wholly  owned  subsidiary  entities,   which  are  fully  consolidated.    However,  a  number  of  projects,  particularly  some  larger,  multi-­year,  multi-­ disciplined  projects,  are  executed  through  partnering  agreements.  As  such,  the  classification  of  these   entities  as  a  subsidiary,  joint  operation,  joint  venture  or  associate  requires  judgment  by  management  to   A-7 7                                                                       IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   Through   IBI   Group,   the   Company   is   an   international,   multi-­disciplinary   provider   of   a   broad   range   of   professional   services   focused   on   the   physical   development   of   cities.   IBI   Group's   business   is   concentrated  in  three  main  areas  of  development,  being  intelligence,  buildings  and  infrastructure.  The   professional   services   provided   by   IBI   Group   include   planning,   design,   implementation,   analysis   of   operations  and  other  consulting  services  related  to  these  three  main  areas  of  development.       The  table  below  summarizes  the  trading  symbols  of  the  Company’s  securities  which  are  listed  on  the   Toronto  Stock  Exchange  as  at  December  31,  2016:     SECURITY       Common  shares   7.0%  convertible  debentures  (Option  A),  $14,755  principal,  convertible  at            $19.17  per  share,  matures  on  June  30,  2019  ("7.0%  Debentures")   5.5%  convertible  debentures,  $46,000  principal,  convertible  at  $8.35   "IBG.DB.D"          per  share,  matures  on  December  31,  2021  ("5.5%  Debentures")   TRADING  SYMBOL   “IBG”   “IBG.DB.C”   The  Company’s  registered  head  office  is  55  St.  Clair  Ave.  West,  7th  Floor,  Toronto,  Ontario,  M5V  2Y7.   NOTE  2:  BASIS  OF  PREPARATION   (a)  STATEMENT  OF  COMPLIANCE     These  consolidated  financial  statements  of  the  Company  and  its  subsidiaries  (the  “consolidated  group”)   have  been  prepared  in  accordance  with  International  Financial  Reporting  Standards  (“IFRS”),  as  issued   by   the   International   Accounting   Standards   Board   (“IASB”)   and   interpretations   of   the   International   Financial  Reporting  Interpretations  Committee  (“IFRIC”).     The   consolidated   financial   statements   were   authorized   for   issuance   by   the   Company’s   Board   of   These   consolidated   financial   statements   were   prepared   on   a   going   concern   basis.   Amounts   are   recorded   under   the   historical   cost   convention,   except   for   certain   financial   liabilities   measured   at   fair   value  through  profit  or  loss  (“FVTPL”),  as  described  in  Note  3(i).   Directors  on  March  7,  2017.   (b)  BASIS  OF  MEASUREMENT   (c)  BASIS  OF  CONSOLIDATION   SUBSIDIARIES   Subsidiaries  are  entities  over  which  the  Company  has  control.  An  investor  controls  an  investee  when   the  investor  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.   The   financial   statements   of   subsidiaries   are   included   in   the   consolidated   financial   statements   from   the   date   that   effective   control   commences  and  are  de-­consolidated  from  the  date  control  ceases.   JOINT  ARRANGEMENTS   The  Company  performs  the  majority  of  its  construction  projects  through  wholly  owned  subsidiary  entities,   which  are  fully  consolidated.    However,  a  number  of  projects,  particularly  some  larger,  multi-­year,  multi-­ disciplined  projects,  are  executed  through  partnering  agreements.  As  such,  the  classification  of  these   entities  as  a  subsidiary,  joint  operation,  joint  venture  or  associate  requires  judgment  by  management  to   analyze   the   various   indicators   that   determine   whether   control   exists.     In   particular,   when   assessing   whether   a   joint   arrangement   should   be   classified   as   either   a   joint   operation   or   a   joint   venture,   management  considers  the  contractual  rights  and  obligations,  voting  shares,  share  of  board  members   and  the  legal  structure  of  the  joint  arrangement.    Subject  to  reviewing  and  assessing  all  the  facts  and   circumstances   of   each   joint   arrangement,   joint   arrangements   contracted   through   agreements   and   general   partnerships   would   generally   be   classified   as   joint   operations   whereas   joint   arrangements   contracted   through   corporations   would   be   classified   as   joint   ventures.   All   current   partnering   arrangements  are  classified  as  joint  operations.   The  Company  recognizes  its  assets,  liabilities  and  transactions  in  relation  to  its  proportionate  share  of   joint  operations  in  the  consolidated  financial  statements.   TRANSACTIONS  ELIMINATED  ON  CONSOLIDATION   Transactions,  balances,  income  and  expenses  incurred  within  the  consolidated  group  are  eliminated  in   full  on  consolidation.   NON-­CONTROLLING  INTEREST   Non-­controlling  interest  in  IBI  Group  is  exchangeable  into  common  shares  of  the  Company.  Changes  in   the  equity  of  IBI  Group  and  distributions  to  the  non-­controlling  interest  are  recorded  in  non-­controlling   interest.       (d)  FUNCTIONAL  AND  PRESENTATION  CURRENCY   These  consolidated  financial  statements  are  presented  in  Canadian  dollars,  which  is  the  currency  of  the   primary   economic   environment   in   which   the   Company   and   its   Canadian   subsidiaries,   including   IBI   Group,  operate  (the  “functional  currency”).   Each   of   the   Company’s   subsidiaries   determines   its   functional   currency,   and   items   included   in   the   financial  statements  of  each  subsidiary  are  measured  using  that  functional  currency.  The  Company’s   foreign   operations   are   translated   into   its   reporting   currency   (Canadian   dollar)   as   follows:   assets   and   liabilities  are  translated  at  the  rate  of  exchange  in  effect  at  the  date  of  the  consolidated  statement  of   financial  position,  and  items  of  revenues  and  expenses  are  translated  at  the  average  rate  of  exchange   for   the   period.   The   resulting   unrealized   exchange   gains   and   losses   on   foreign   subsidiaries   are   recognized  in  accumulated  other  comprehensive  loss  (“AOCL”).   Transactions  in  foreign  currencies  are  translated  to  the  functional  currency  of  the  respective  entity  at   exchange   rate   in   effect   on   the   date   of   the   transaction.   Foreign   exchange   gains   and   losses   on   such   transactions,  as  well  as  from  the  translation  of  monetary  assets  and  liabilities  not  denominated  in  the   functional  currency  of  the  respective  entity,  are  recorded  in  earnings.  On  disposal,  or  partial  disposal,  of   a  foreign  entity,  or  repatriation  of  the  net  investment  in  a  foreign  entity,  resulting  in  a  loss  of  control,   significant   influence   or   joint   control,   the   cumulative   translation   recognized   in   AOCL   relating   to   that   particular   foreign   entity   is   recognized   in   earnings   as   part   of   the   gain   or   loss   on   sale.   On   a   partial   disposition  of  a  subsidiary  that  does  not  result  in  a  loss  of  control,  the  amounts  are  reallocated  to  the   non-­controlling   interest   in   the   foreign   operation   based   on   their   proportionate   share   of   the   cumulative   amounts  recognized  in  AOCL.  On  partial  disposition  of  jointly  controlled  foreign  entities  or  associates,   the   proportionate   share   of   translation   differences   previously   recognized   in   AOCL   is   reclassified   to   earnings.   References  to  “$”  in  these  consolidated  financial  statements  denote  Canadian  dollars  and  references  to   “US$”  are  to  US  dollars.     All  amounts  presented  in  Canadian  dollars  have  been  rounded  to  the  nearest  thousand.     7   8   T R O P E R L A U N N A 6 1 0 2 P U O R G I B I A-8                                                                       IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   (e)  USE  OF  ACCOUNTING  ESTIMATES  AND  JUDGEMENTS   The  preparation  of  these  consolidated  financial  statements  requires  management  to  exercise  judgment   and   make   estimates   and   assumptions   that   affect   the   application   of   accounting   policies   on   reported   amounts   of   assets   and   liabilities,   disclosure   of   contingent   liabilities   at   the   date   of   the   consolidated   statement   of   financial   position,   and   the   reported   amounts   of   revenue   and   expenses   for   the   period   covered  by  the  consolidated  statement  of  comprehensive  income  (loss).  Actual  amounts  may  differ  from   these  estimates.   Within   the   context   of   these   consolidated   financial   statements,   a   judgment   is   a   decision   made   by   management   in   respect   of   the   application   of   an   accounting   policy,   a   recognized   or   unrecognized   financial  statement  amount  and/or  note  disclosure,  following  an  analysis  of  relevant  information  that  may   include   estimates   and   assumptions.   Estimates   and   assumptions   are   used   mainly   in   determining   the   measurement   of   balances   recognized   or   disclosed   in   the   consolidated   financial   statements   and   are   based  on  a  set  of  underlying  data  that  may  include  management’s  historical  experience,  knowledge  of   current   events   and   conditions   and   other   factors   that   are   believed   to   be   reasonable   under   the   circumstances.  Management  continually  evaluates  the  estimates  and  judgments  it  uses.   Information  about  judgments  made  in  applying  accounting  policies  that  have  the  most  significant  impact   on  the  amounts  recognized  in  the  consolidated  financial  statements  are  as  follows:     REVENUE  RECOGNITION   The  Company  also  enters  into  contracts  that  require  multiple  deliverables,  which  can  include  software   and  hardware  elements.  Management  applies  judgment  when  assessing  whether  certain  deliverables   in   a   customer   arrangement   should   be   included   or   excluded   from   a   unit   of   account   to   which   contract   accounting  is  applied.  The  judgment  is  typically  related  to  the  sale  and  inclusion  of  third  party  hardware   and   licenses   in   a   customer   arrangement,   and   involves   an   assessment   that   principally   addresses   whether   the   deliverable   has   stand-­alone   value   to   the   customer   that   is   not   dependent   upon   other   components  of  the  arrangement.   RECOVERABILITY  OF  ACCOUNTS  RECEIVABLE   The  Company  records  accounts  receivable  net  of  impairment  losses  determined  based  on  the  age  of   the   outstanding   receivables,   factors   specific   to   individual   clients   and   its   historical   collection   and   loss   experience.   Information   about   assumptions   and   estimation   uncertainties   that   have   a   significant   impact   on   the   amounts  recognized  in  the  consolidated  financial  statements  for  the  year  ended  December  31,  2016  are   as  follows:     REVENUE  RECOGNITION  AND  DEFERRED  REVENUE     The  Company  accounts  for  certain  of  its  revenue  in  accordance  with  IAS  11  Construction  Contracts,   (“IAS  11”)  which  requires  estimates  to  be  made  for  contract  costs  and  revenues  and  IAS  18  Revenue   (“IAS   18”).   Revenue   from   fixed-­fee   and   variable-­fee-­with-­ceiling   contracts   is   recognized   using   the   percentage  of  completion  method  based  on  the  ratio  of  professional  costs  incurred  to  total  estimated   professional   costs.   Estimating   total   professional   costs   is   subjective   and   requires   the   use   of   management’s  best  estimate  based  on  the  information  available  at  that  point  in  time.  The  Company  also   provides   for   estimated   losses   on   contracts   in-­progress   in   the   period   in   which   such   losses   are   determined.   Deferred   revenue   is   recorded   when   billings   to   the   clients   exceeds   the   revenue   that   has   been  earned  based  on  effort  completed  at  the  date  of  the  consolidated  statement  of  financial  position.   Changes   in   the   estimates   are   reflected   in   the   period   in   which   they   are   made   and   would   affect   the   Company’s  revenue  and  work  in  process.   A-9 9     IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   (e)  USE  OF  ACCOUNTING  ESTIMATES  AND  JUDGEMENTS   ACCURACY  OF  WORK  IN  PROCESS     The  preparation  of  these  consolidated  financial  statements  requires  management  to  exercise  judgment   and   make   estimates   and   assumptions   that   affect   the   application   of   accounting   policies   on   reported   amounts   of   assets   and   liabilities,   disclosure   of   contingent   liabilities   at   the   date   of   the   consolidated   statement   of   financial   position,   and   the   reported   amounts   of   revenue   and   expenses   for   the   period   covered  by  the  consolidated  statement  of  comprehensive  income  (loss).  Actual  amounts  may  differ  from   these  estimates.   Within   the   context   of   these   consolidated   financial   statements,   a   judgment   is   a   decision   made   by   management   in   respect   of   the   application   of   an   accounting   policy,   a   recognized   or   unrecognized   financial  statement  amount  and/or  note  disclosure,  following  an  analysis  of  relevant  information  that  may   include   estimates   and   assumptions.   Estimates   and   assumptions   are   used   mainly   in   determining   the   measurement   of   balances   recognized   or   disclosed   in   the   consolidated   financial   statements   and   are   based  on  a  set  of  underlying  data  that  may  include  management’s  historical  experience,  knowledge  of   current   events   and   conditions   and   other   factors   that   are   believed   to   be   reasonable   under   the   circumstances.  Management  continually  evaluates  the  estimates  and  judgments  it  uses.   Information  about  judgments  made  in  applying  accounting  policies  that  have  the  most  significant  impact   on  the  amounts  recognized  in  the  consolidated  financial  statements  are  as  follows:     REVENUE  RECOGNITION   The  Company  also  enters  into  contracts  that  require  multiple  deliverables,  which  can  include  software   and  hardware  elements.  Management  applies  judgment  when  assessing  whether  certain  deliverables   in   a   customer   arrangement   should   be   included   or   excluded   from   a   unit   of   account   to   which   contract   accounting  is  applied.  The  judgment  is  typically  related  to  the  sale  and  inclusion  of  third  party  hardware   and   licenses   in   a   customer   arrangement,   and   involves   an   assessment   that   principally   addresses   whether   the   deliverable   has   stand-­alone   value   to   the   customer   that   is   not   dependent   upon   other   components  of  the  arrangement.   RECOVERABILITY  OF  ACCOUNTS  RECEIVABLE   The  Company  records  accounts  receivable  net  of  impairment  losses  determined  based  on  the  age  of   the   outstanding   receivables,   factors   specific   to   individual   clients   and   its   historical   collection   and   loss   experience.   as  follows:     Information   about   assumptions   and   estimation   uncertainties   that   have   a   significant   impact   on   the   amounts  recognized  in  the  consolidated  financial  statements  for  the  year  ended  December  31,  2016  are   REVENUE  RECOGNITION  AND  DEFERRED  REVENUE     The  Company  accounts  for  certain  of  its  revenue  in  accordance  with  IAS  11  Construction  Contracts,   (“IAS  11”)  which  requires  estimates  to  be  made  for  contract  costs  and  revenues  and  IAS  18  Revenue   (“IAS   18”).   Revenue   from   fixed-­fee   and   variable-­fee-­with-­ceiling   contracts   is   recognized   using   the   percentage  of  completion  method  based  on  the  ratio  of  professional  costs  incurred  to  total  estimated   professional   costs.   Estimating   total   professional   costs   is   subjective   and   requires   the   use   of   management’s  best  estimate  based  on  the  information  available  at  that  point  in  time.  The  Company  also   provides   for   estimated   losses   on   contracts   in-­progress   in   the   period   in   which   such   losses   are   determined.   Deferred   revenue   is   recorded   when   billings   to   the   clients   exceeds   the   revenue   that   has   been  earned  based  on  effort  completed  at  the  date  of  the  consolidated  statement  of  financial  position.   Changes   in   the   estimates   are   reflected   in   the   period   in   which   they   are   made   and   would   affect   the   Company’s  revenue  and  work  in  process.   The  Company  records  its  work  in  process  based  on  the  time  and  materials  charged  into  each  project.   The  work  in  process  for  each  project  is  reviewed  on  a  monthly  basis  to  determine  whether  the  amounts   recorded  are  recoverable.  Where  the  review  determines  that  the  value  of  work  in  process  exceeds  the   amount  that  can  be  invoiced,  review  of  project  budgets  is  performed  to  determine  whether  an  adjustment   is  required  to  the  percentage  of  completion  to  accurately  reflect  revenue  earned  to  date.    The  percentage   complete  is  determined  by  estimating  the  professional  costs  to  be  incurred  to  complete  the  project.       ONEROUS  LEASE  PROVISIONS   The  Company  recognizes  provisions  when  there  is  a  present  legal  or  constructive  obligation  as  a  result   of  past  events,  it  is  probable  that  an  outflow  of  resources  will  be  required  to  settle  the  obligation,  and  the   amount  can  be  reliably  estimated.    Management  has  recorded  a  provision  related  to  lease  exit  liabilities   which   requires   estimation   of   the   expected   sublease   income   and   discount   rate   reflective   of   the   risk   specific  to  the  obligation.   DETERMINING  PROBABLE  FUTURE  UTILIZATION  OF  TAX  LOSS  CARRYFORWARDS   Deferred  tax  assets  are  recognized  for  all  unused  tax  losses  to  the  extent  that  it  is  probable  that  taxable   profit   will   be   available   against   which   the   losses   can   be   utilized.   Significant   management   judgment   is   required  to  determine  the  amount  of  deferred  tax  assets  that  can  be  recognized,  based  on  the  likely   timing  and  the  level  of  future  taxable  profits,  together  with  future  tax-­planning  strategies.   NOTE  3:  SUMMARY  OF  SIGNIFICANT  ACCOUNTING  POLICIES   Unless  otherwise  indicated,  the  significant  accounting  policies  followed  by  the  Company  set  out  below   have  been  applied  consistently  to  all  periods  presented  in  these  consolidated  financial  statements.     (a)  REVENUE  RECOGNITION     Revenue   is   recognized   to   the   extent   that   it   is   probable   that   the   economic   benefits   will   flow   to   the   Company   and   the   revenue   can   be   reliably   measured.   Revenue   is   measured   at   the   fair   value   of   the   consideration  received.     Revenue  from  fixed-­fee  and  variable-­fee-­with-­ceiling  contracts  is  recognized  by  reference  to  the  stage   of  completion  using  the  cost  approach.  Stage  of  completion  is  measured  by  reference  to  professional   costs  incurred  to  date  as  a  percentage  of  total  professional  costs  for  each  contract.  Where  the  contract   outcome   cannot   be   measured   reliably,   revenue   is   recognized   only   to   the   extent   that   the   expenses   incurred  are  eligible  to  be  recovered.  Revenue  from  time-­and-­material  contracts  without  stated  ceilings   and   short-­term   projects,   is   recognized   as   costs   are   incurred.   Revenue   is   calculated   based   on   billing   rates  recoverable  under  the  contract  for  the  services  performed.     Provisions  for  estimated  losses  on  contracts  in-­progress  are  made  in  the  period  in  which  the  losses  are   determined.  The  effect  of  revisions  to  estimated  revenues  and  costs  is  recorded  when  the  amounts  are   known  or  can  be  reasonably  estimated.  Where  total  contract  costs  exceed,  or  are  expected  to  exceed,   revenues,   the   anticipated   loss   based   on   a   percentage   of   completion   calculation   is   immediately   recognized  as  an  expense.     Accounts  receivable  is  valued  at  amortized  cost  net  of  allowances  for  impairment  losses  (refer  to  note   3(i)  for  further  discussion  on  financial  instruments).     The   Company's   software   license   agreements   are   multiple-­element   arrangements   as   they   may   also   include   maintenance,   professional   services   and   hardware.   Multiple-­element   arrangements   are   9   10   T R O P E R L A U N N A 6 1 0 2 P U O R G I B I A-10           IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   recognized  as  the  revenue  for  each  unit  of  accounting  is  earned  based  on  the  relative  fair  value  of  each   unit  of  accounting  as  determined  by  an  internal  analysis  of  prices.  A  delivered  element  is  considered  a   separate   unit   of   accounting   if   it   has   value   to   the   customer   on   a   standalone   basis,   and   delivery   or   performance  of  the  undelivered  elements  is  considered  probable  and  substantially  under  the  Company's   control.  If  these  criteria  are  not  met,  revenue  for  the  arrangement  as  a  whole  is  accounted  for  as  a  single   unit  of  accounting.   (b)  WORK  IN  PROCESS  AND  DEFERRED  REVENUE   Work  in  process  represents  the  fee  revenue  and  recoverable  disbursements  which  have  not  been  billed   but  are  expected  to  be  billed  and  collected  from  clients  for  contract  work  performed  to  date,  and  is  valued   at  estimated  net  realizable  value.     Billings  in  excess  of  time  value  incurred  on  jobs  in  progress,  for  which  future  services  will  be  provided,   are  included  in  deferred  revenue  in  the  consolidated  statement  of  financial  position.   An  allowance  account  is  also  maintained  on  work  in  process,  measured  by  the  estimated  amount  of   professional   costs   that   are   expected   not   to   be   invoiced.   When   work   in   process   is   determined   not   recoverable,  the  amount  is  written  off  in  the  reserve  for  work  in  process.     (c)  CASH   Cash  is  comprised  of  cash  on  hand.  Cash  balances,  which  the  Company  has  the  ability  and  intent  to   offset,  are  used  to  reduce  reported  bank  indebtedness  and  fund  operations.   (d)  PROPERTY  AND  EQUIPMENT   Items   of   property   and   equipment   are   measured   at   cost   less   accumulated   depreciation,   net   of   accumulated  impairment  losses,  and  amortized  over  their  estimated  useful  lives  as  follows:     ASSET     BASIS   RATE     Office  furniture  and  equipment     Computer  equipment     Vehicles   Leasehold  improvements   Diminishing  balance   Straight  line   Diminishing  balance   Straight  line   20%   2  years   20%   Term  of  lease   Depreciation  methods,  useful  lives  and  residual  values  are  reviewed  at  each  annual  reporting  date  and   adjusted  if  appropriate.   The   cost   of   repairs   and   maintenance   of   property   and   equipment   are   recognized   as   an   expense   as   incurred.   A-11 11                                             IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   recognized  as  the  revenue  for  each  unit  of  accounting  is  earned  based  on  the  relative  fair  value  of  each   unit  of  accounting  as  determined  by  an  internal  analysis  of  prices.  A  delivered  element  is  considered  a   separate   unit   of   accounting   if   it   has   value   to   the   customer   on   a   standalone   basis,   and   delivery   or   performance  of  the  undelivered  elements  is  considered  probable  and  substantially  under  the  Company's   control.  If  these  criteria  are  not  met,  revenue  for  the  arrangement  as  a  whole  is  accounted  for  as  a  single   unit  of  accounting.   (b)  WORK  IN  PROCESS  AND  DEFERRED  REVENUE   Work  in  process  represents  the  fee  revenue  and  recoverable  disbursements  which  have  not  been  billed   but  are  expected  to  be  billed  and  collected  from  clients  for  contract  work  performed  to  date,  and  is  valued   at  estimated  net  realizable  value.     Billings  in  excess  of  time  value  incurred  on  jobs  in  progress,  for  which  future  services  will  be  provided,   are  included  in  deferred  revenue  in  the  consolidated  statement  of  financial  position.   An  allowance  account  is  also  maintained  on  work  in  process,  measured  by  the  estimated  amount  of   professional   costs   that   are   expected   not   to   be   invoiced.   When   work   in   process   is   determined   not   recoverable,  the  amount  is  written  off  in  the  reserve  for  work  in  process.     (c)  CASH   (d)  PROPERTY  AND  EQUIPMENT   Cash  is  comprised  of  cash  on  hand.  Cash  balances,  which  the  Company  has  the  ability  and  intent  to   offset,  are  used  to  reduce  reported  bank  indebtedness  and  fund  operations.   Items   of   property   and   equipment   are   measured   at   cost   less   accumulated   depreciation,   net   of   accumulated  impairment  losses,  and  amortized  over  their  estimated  useful  lives  as  follows:     ASSET     BASIS   RATE     Office  furniture  and  equipment   Diminishing  balance     Computer  equipment     Vehicles   Leasehold  improvements   Straight  line   Diminishing  balance   Straight  line   20%   2  years   20%   Term  of  lease   Depreciation  methods,  useful  lives  and  residual  values  are  reviewed  at  each  annual  reporting  date  and   adjusted  if  appropriate.   incurred.   The   cost   of   repairs   and   maintenance   of   property   and   equipment   are   recognized   as   an   expense   as   (e)  INTANGIBLE  ASSETS   Intangible   assets   are   initially   recorded   at   fair   value   at   their   acquisition   date   and   stated   at   cost   less   accumulated  amortization  and  net  impairment  losses,  where  applicable.  The  cost  of  intangible  assets   with  determinable  lives  is  amortized  over  the  period  in  which  the  benefits  of  such  assets  are  expected   to  be  realized  as  follows:     ASSET     BASIS   AMORTIZATION   PERIOD     Customer  relationships     Contracts  backlog     Non-­competition  provisions     ERP  Systems   Straight  line   Straight  line   Straight  line   Straight  line   (f)   IMPAIRMENT  OF  NON-­FINANCIAL  ASSETS   8-­10  years   1-­2  years   3-­4  years   10  years   The   Company   evaluates   the   recoverability   of   property   and   equipment   and   intangible   assets   with   determinable   lives   for   impairment   at   the   end   of   each   reporting   period.   If   there   are   indicators   of   impairment,  a  review  is  undertaken  to  determine  whether  the  carrying  amounts  are  in  excess  of  their   recoverable  amounts.   The  determination  of  recoverable  amount  is  based  on  the  higher  of  value  in  use  or  fair  value  less  costs   to  sell.     For  the  purposes  of  assessing  impairment  where  it  is  not  possible  to  estimate  the  recoverable  amount   of  an  individual  asset,  the  recoverable  amount  of  the  cash  generating  unit  (“CGU”)  to  which  the  asset   belongs  is  estimated.  A  CGU  is  the  smallest  identifiable  group  of  assets  for  which  there  are  separately   identifiable  cash  inflows.     The  carrying  amount  of  a  CGU  includes  the  carrying  amount  of  only  those  assets  that  can  be  attributed   directly,   or   allocated   on   a   reasonable   and   consistent   basis,   and   are   expected   to   generate   the   future   cash  inflows.     An  impairment  loss  is  recognized  in  the  consolidated  statement  of  comprehensive  income  (loss)  when   a  CGU's  carrying  amount  exceeds  its  recoverable  amount.  The  impairment  loss  is  allocated  on  a  pro   rata  basis  to  the  assets  in  the  CGU.   For  property  and  equipment  and  intangible  assets  with  determinable  useful  lives,  an  impairment  loss  is   reversed  only  to  the  extent  that  the  asset’s  carrying  value  does  not  exceed  the  carrying  value  that  would   have  been  determined,  net  of  amortization,  had  no  impairment  loss  been  recognized.       (g)  INCOME  TAXES   Income  tax  expense  consists  of  current  tax  charge  and  the  change  in  deferred  tax  assets  and  liabilities.   Current   tax   and   deferred   tax   is   recognized   in   the   consolidated   statement   of   comprehensive   income   (loss)  except  to  the  extent  that  it  relates  to  a  business  combination,  or  to  items  recognized  directly  in   equity  or  other  comprehensive  loss.     Current  tax  represents  the  current  tax  payable  (receivable)  on  the  taxable  income  (loss)  for  the  period,   calculated   in   accordance   with   the   rates   and   legislation   of   the   respective   tax   jurisdiction   in   which   the   Company  operated,  enacted  or  substantively  enacted  as  at  the  date  of  the  consolidated  statement  of   11   12   T R O P E R L A U N N A 6 1 0 2 P U O R G I B I A-12                                                                                   IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   financial   position;;   it   also   reflects   any   adjustment   resulting   from   new   information   to   taxes   payable   (recoverable)  in  respect  of  previous  years.     Deferred  tax  assets  and  liabilities  are  recognized  in  respect  of  the  expected  income  tax  consequences   attributable  to  temporary  differences  between  the  financial  statement  carrying  values  of  existing  assets   and  liabilities  in  the  consolidated  statement  of  financial  position  and  their  respective  income  tax  bases.   Deferred   tax   assets   and   liabilities   are   measured   using   enacted,   or   substantively   enacted,   tax   rates   expected  to  apply  to  taxable  income  in  the  years  in  which  those  temporary  differences  are  expected  to   be   recovered   or   settled.   The   effect   on   deferred   tax   assets   and   liabilities   of   a   change   in   tax   rates   is   recognized  in  the  consolidated  statement  of  comprehensive  income  (loss)  in  the  period  that  includes  the   date  of  enactment  or  of  substantive  enactment  of  the  future  tax  rates.   Deferred   tax   assets   are   recognized   for   unused   tax   losses,   tax   credits,   and   deductible   temporary   differences  to  the  extent  that  it  is  probable  that  future  taxable  profits  will  be  available  against  which  they   can  be  utilized.  Deferred  tax  assets  are  evaluated  at  each  reporting  period  and  are  reduced  to  the  extent   that  it  is  no  longer  probable  that  future  taxable  profits  will  be  available  against  which  they  can  be  utilized.   (h)  SHARE-­BASED  COMPENSATION   Cash  settled  transactions   The  Company  has  a  share-­based  compensation  plan  (“Deferred  Share  Plan”)  which  allows  directors  to   receive  director  fees  in  the  form  of  deferred  shares  rather  than  cash.  These  awards  are  accounted  for   as  liabilities  at  FVTPL.  On  the  grant  date,  the  deferred  shares  are  measured  at  fair  value  based  on  the   market  price  with  subsequent  changes  to  the  fair  value  recorded  as  salaries,  fees  and  employee  benefit   expenses  until  settled.   Equity  settled  transactions   The  grant  date  fair  value  of  share  based  payment  awards  granted  to  employees  is  recognized  as  an   employee   expense,   with   a   corresponding   increase   in   equity,   over   the   period   that   the   employees   unconditionally  become  entitled  to  the  awards.  An  option  valuation  model  is  used  to  fair  value  the  stock   options  on  the  grant  date.  The  amount  recognized  as  an  expense  is  adjusted  to  reflect  the  number  of   awards  for  which  the  related  service  and  non-­market  vesting  conditions  are  expected  to  be  met,  such   that  the  amount  ultimately  recognized  as  an  expense  is  based  on  the  number  of  awards  that  do  meet   the  related  service  and  non-­market  performance  conditions  at  the  vesting  date.   (i)   FINANCIAL  INSTRUMENTS   All   financial   assets   and   financial   liabilities   are   required   to   be   classified   into   one   of   the   following   categories:   •   Financial  assets  are  classified  as  either  FVTPL,  available-­for-­sale,  held-­to-­maturity  investments  or   loans  and  receivables;;  and     •   Financial  liabilities  are  classified  as  either  FVTPL  or  other  liabilities.     All  financial  assets  and  liabilities  are  initially  recognized  at  fair  value  plus  directly  attributable  transaction   costs,   except   for   financial   assets   at   FVTPL,   for   which   transaction   costs   are   expensed.   Purchases   or   sales  of  financial  assets  are  accounted  for  at  trade  dates.  All  financial  liabilities  are  recognized  initially   at  fair  value  and,  in  the  case  of  loans  and  borrowings,  net  of  directly  attributable  transaction  costs.       A-13 13     IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   financial   position;;   it   also   reflects   any   adjustment   resulting   from   new   information   to   taxes   payable   (recoverable)  in  respect  of  previous  years.     The  table  below  summarizes  the  classification  and  subsequent  measurement  of  the  Company’s  financial   assets  and  liabilities:   Deferred  tax  assets  and  liabilities  are  recognized  in  respect  of  the  expected  income  tax  consequences   attributable  to  temporary  differences  between  the  financial  statement  carrying  values  of  existing  assets   and  liabilities  in  the  consolidated  statement  of  financial  position  and  their  respective  income  tax  bases.   Deferred   tax   assets   and   liabilities   are   measured   using   enacted,   or   substantively   enacted,   tax   rates   expected  to  apply  to  taxable  income  in  the  years  in  which  those  temporary  differences  are  expected  to   be   recovered   or   settled.   The   effect   on   deferred   tax   assets   and   liabilities   of   a   change   in   tax   rates   is   recognized  in  the  consolidated  statement  of  comprehensive  income  (loss)  in  the  period  that  includes  the   date  of  enactment  or  of  substantive  enactment  of  the  future  tax  rates.   Deferred   tax   assets   are   recognized   for   unused   tax   losses,   tax   credits,   and   deductible   temporary   differences  to  the  extent  that  it  is  probable  that  future  taxable  profits  will  be  available  against  which  they   can  be  utilized.  Deferred  tax  assets  are  evaluated  at  each  reporting  period  and  are  reduced  to  the  extent   that  it  is  no  longer  probable  that  future  taxable  profits  will  be  available  against  which  they  can  be  utilized.   (h)  SHARE-­BASED  COMPENSATION   Cash  settled  transactions   The  Company  has  a  share-­based  compensation  plan  (“Deferred  Share  Plan”)  which  allows  directors  to   receive  director  fees  in  the  form  of  deferred  shares  rather  than  cash.  These  awards  are  accounted  for   as  liabilities  at  FVTPL.  On  the  grant  date,  the  deferred  shares  are  measured  at  fair  value  based  on  the   market  price  with  subsequent  changes  to  the  fair  value  recorded  as  salaries,  fees  and  employee  benefit   expenses  until  settled.   Equity  settled  transactions   The  grant  date  fair  value  of  share  based  payment  awards  granted  to  employees  is  recognized  as  an   employee   expense,   with   a   corresponding   increase   in   equity,   over   the   period   that   the   employees   unconditionally  become  entitled  to  the  awards.  An  option  valuation  model  is  used  to  fair  value  the  stock   options  on  the  grant  date.  The  amount  recognized  as  an  expense  is  adjusted  to  reflect  the  number  of   awards  for  which  the  related  service  and  non-­market  vesting  conditions  are  expected  to  be  met,  such   that  the  amount  ultimately  recognized  as  an  expense  is  based  on  the  number  of  awards  that  do  meet   the  related  service  and  non-­market  performance  conditions  at  the  vesting  date.   (i)   FINANCIAL  INSTRUMENTS   categories:   All   financial   assets   and   financial   liabilities   are   required   to   be   classified   into   one   of   the   following   •   Financial  assets  are  classified  as  either  FVTPL,  available-­for-­sale,  held-­to-­maturity  investments  or   loans  and  receivables;;  and     •   Financial  liabilities  are  classified  as  either  FVTPL  or  other  liabilities.     All  financial  assets  and  liabilities  are  initially  recognized  at  fair  value  plus  directly  attributable  transaction   costs,   except   for   financial   assets   at   FVTPL,   for   which   transaction   costs   are   expensed.   Purchases   or   sales  of  financial  assets  are  accounted  for  at  trade  dates.  All  financial  liabilities  are  recognized  initially   at  fair  value  and,  in  the  case  of  loans  and  borrowings,  net  of  directly  attributable  transaction  costs.         FINANCIAL  INSTRUMENT     CLASSIFICATION   MEASUREMENT     FINANCIAL  ASSETS   Cash     Restricted  cash   Accounts  receivable     FINANCIAL  LIABILITIES   Accounts  payable  and        accrued  liabilities   Deferred  share  plan  liability(1)   Due  to  related  parties   Vendor  notes  payable   Consent  fee  notes  payable   Finance  lease  obligation   Credit  facilities   Convertible  debentures  –        liability  component   Other  financial  liability   FVTPL   FVTPL   Loans  and  receivables   Fair  value   Fair  value   Amortized  cost   Other  liabilities   FVTPL   Other  liabilities   Other  liabilities   Other  liabilities   Other  liabilities   Other  liabilities   Other  liabilities   FVTPL   Amortized  cost   Fair  value   Amortized  cost   Amortized  cost   Amortized  cost   Amortized  cost   Amortized  cost   Amortized  cost   Fair  value   (1)   The  deferred  share  plan  liability  is  grouped  with  accounts  payable  and  accrued  liabilities  on  the  consolidated  statement  of   financial  position.  See  Note  16  –  Deferred  Share  Plan,  for  further  discussion.   FINANCIAL  ASSETS  AT  FVTPL   At   the   end   of   each   reporting   period   subsequent   to   initial   recognition,   financial   assets   at   FVTPL   are   measured  at  fair  value,  with  changes  in  fair  value  recognized  directly  in  the  consolidated  statement  of   comprehensive  income  (loss)  in  the  period  in  which  they  arise.     LOANS  AND  RECEIVABLES   Loans  and  receivables  are  non-­derivative  financial  assets  with  fixed  or  determinable  payments  that  are   not   quoted   in  an  active  market.  They  are  included  in  current  assets,  except  for  those  with  maturities   greater  than  12  months  after  the  date  of  the  consolidated  statement  of  financial  position.  After  their  initial   fair  value  measurement,  they  are  measured  at  amortized  cost  using  the  effective  interest  rate  method,   net  of  allowance  for  impairment  losses.     IMPAIRMENT   The  Company’s  policy  is  to  assess  at  the  end  of  each  reporting  period  whether  there  is  any  objective   evidence  that  a  financial  asset  or  group  of  financial  assets  is  impaired.   The  Company  maintains  an  allowance  for  impairment  losses  on  accounts  receivable.  The  estimate  is   based  on  the  best  assessment  of  the  collectability  of  the  related  receivable  balance,  based  in  part,  on   the   age   of   the   outstanding   receivables   and   in   part   on   the   Company’s   historical   collection   and   loss   experience.  When  the  carrying  amount  of  the  receivable  is  reduced  through  the  allowance,  the  reduction   is  recognized  in  impairment  of  financial  assets  in  the  consolidated  statement  of  comprehensive  income   (loss).     13   14   T R O P E R L A U N N A 6 1 0 2 P U O R G I B I A-14                                                                                     IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   Subsequent  recoveries  of  the  amounts  previously  written  off  are  charged  against  the  allowance  account   and  recognized  as  income  in  the  consolidated  statement  of  comprehensive  income  (loss).   FINANCIAL  LIABILITIES  AND  EQUITY   Debt  and  equity  instruments  are  classified  as  either  financial  liabilities  or  as  equity  (in  accordance  with   the  substance  of  the  contractual  arrangement).  An  equity  instrument  is  any  contract  that  evidences  a   residual  interest  in  the  assets  of  an  entity  after  deducting  all  of  its  liabilities.  Equity  instruments  issued   are  recorded  net  of  direct  issue  costs.   Debt  securities  issued  and  other  liabilities  are  recognized  at  fair  value  on  the  date  that  they  originated.   Other  financial  liabilities  are  recognized  initially  on  the  trade  date  at  which  the  Company  becomes  party   to   the   contractual   provisions   of   the   instrument.   Financial   liabilities   are   classified   as   either   financial   liabilities  at  FVTPL  or  as  other  liabilities.   FINANCIAL  LIABILITIES  AT  FVTPL   At  the  end  of  each  reporting  period  subsequent  to  initial  recognition,  financial  liabilities  at  FVTPL  are   measured  at  fair  value,  with  changes  in  fair  value  recognized  directly  in  the  consolidated  statement  of   comprehensive  income  (loss)  in  the  period  in  which  they  arise.     OTHER  FINANCIAL  LIABILITIES   Other  financial  liabilities  are  recognized  initially  at  fair  value,  net  of  any  directly  attributable  transaction   costs.  Subsequent  to  initial  recognition,  these  liabilities  are  carried  at  amortized  cost  using  the  effective   interest  rate  method.     EFFECTIVE  INTEREST  METHOD   The   effective   interest   method   calculates   the   amortized   cost   of   a   financial   instrument   and   allocates   interest  income  or  expense  over  the  corresponding  period.  The  effective  interest  rate  is  the  rate  that   discounts  estimated  future  cash  flows  over  the  expected  life  of  the  financial  instrument  to  the  net  carrying   amount  of  the  financial  instrument  on  initial  recognition.         COMPOUND  FINANCIAL  INSTRUMENTS   Compound  financial  instruments  issued  by  the  Company  consist  of  convertible  debentures  that  can  be   converted  into  share  capital  at  the  option  of  the  holder.  The  liability  component  of  a  compound  financial   instrument  is  measured  initially  at  fair  value,  calculated  as  the  net  present  value  of  the  liability  without  a   conversion  option  and  using  a  discount  rate  reflective  of  a  liability  instrument  without  a  conversion  factor.   The   equity   and   derivative   liability   component   is   recognized   initially   at   the   difference   between   the   fair   value  of  the  compound  financial  instrument  as  a  whole  and  the  fair  value  of  the  liability  component.  Any   directly   attributable   transaction   costs   are   allocated   to   the   liability,   derivative   liability,   and   equity   components  in  proportion  to  their  initial  carrying  amounts.     Subsequent  to  initial  recognition,  the  liability  component  of  a  compound  financial  instrument  is  measured   at  amortized  cost  using  the  effective  interest  method.  The  derivative  liability  component  is  remeasured   subsequent  to  initial  recognition  at  fair  value.    The  equity  component  of  a  compound  financial  instrument   is   not   remeasured   subsequent   to   initial   recognition.   Upon   derecognition,   the   equity   component   of   a   compound  financial  instrument  is  reclassified  to  contributed  surplus.   A-15 15     IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   Subsequent  recoveries  of  the  amounts  previously  written  off  are  charged  against  the  allowance  account   DERECOGNITION  OF  FINANCIAL  INSTRUMENTS   and  recognized  as  income  in  the  consolidated  statement  of  comprehensive  income  (loss).   FINANCIAL  LIABILITIES  AND  EQUITY   Debt  and  equity  instruments  are  classified  as  either  financial  liabilities  or  as  equity  (in  accordance  with   the  substance  of  the  contractual  arrangement).  An  equity  instrument  is  any  contract  that  evidences  a   residual  interest  in  the  assets  of  an  entity  after  deducting  all  of  its  liabilities.  Equity  instruments  issued   are  recorded  net  of  direct  issue  costs.   Debt  securities  issued  and  other  liabilities  are  recognized  at  fair  value  on  the  date  that  they  originated.   Other  financial  liabilities  are  recognized  initially  on  the  trade  date  at  which  the  Company  becomes  party   to   the   contractual   provisions   of   the   instrument.   Financial   liabilities   are   classified   as   either   financial   liabilities  at  FVTPL  or  as  other  liabilities.   FINANCIAL  LIABILITIES  AT  FVTPL   At  the  end  of  each  reporting  period  subsequent  to  initial  recognition,  financial  liabilities  at  FVTPL  are   measured  at  fair  value,  with  changes  in  fair  value  recognized  directly  in  the  consolidated  statement  of   comprehensive  income  (loss)  in  the  period  in  which  they  arise.     Other  financial  liabilities  are  recognized  initially  at  fair  value,  net  of  any  directly  attributable  transaction   costs.  Subsequent  to  initial  recognition,  these  liabilities  are  carried  at  amortized  cost  using  the  effective   OTHER  FINANCIAL  LIABILITIES   interest  rate  method.     EFFECTIVE  INTEREST  METHOD   The   effective   interest   method   calculates   the   amortized   cost   of   a   financial   instrument   and   allocates   interest  income  or  expense  over  the  corresponding  period.  The  effective  interest  rate  is  the  rate  that   discounts  estimated  future  cash  flows  over  the  expected  life  of  the  financial  instrument  to  the  net  carrying   amount  of  the  financial  instrument  on  initial  recognition.         COMPOUND  FINANCIAL  INSTRUMENTS   Compound  financial  instruments  issued  by  the  Company  consist  of  convertible  debentures  that  can  be   converted  into  share  capital  at  the  option  of  the  holder.  The  liability  component  of  a  compound  financial   instrument  is  measured  initially  at  fair  value,  calculated  as  the  net  present  value  of  the  liability  without  a   conversion  option  and  using  a  discount  rate  reflective  of  a  liability  instrument  without  a  conversion  factor.   The   equity   and   derivative   liability   component   is   recognized   initially   at   the   difference   between   the   fair   value  of  the  compound  financial  instrument  as  a  whole  and  the  fair  value  of  the  liability  component.  Any   directly   attributable   transaction   costs   are   allocated   to   the   liability,   derivative   liability,   and   equity   components  in  proportion  to  their  initial  carrying  amounts.     Subsequent  to  initial  recognition,  the  liability  component  of  a  compound  financial  instrument  is  measured   at  amortized  cost  using  the  effective  interest  method.  The  derivative  liability  component  is  remeasured   subsequent  to  initial  recognition  at  fair  value.    The  equity  component  of  a  compound  financial  instrument   is   not   remeasured   subsequent   to   initial   recognition.   Upon   derecognition,   the   equity   component   of   a   compound  financial  instrument  is  reclassified  to  contributed  surplus.   A  financial  asset  is  derecognized  when  the  contractual  rights  to  the  cash  flows  from  the  asset  expire  or   when  the  Company  transfers  the  financial  asset  to  another  party  without  retaining  control  or  substantially   all  the  risks  and  rewards  of  ownership  of  the  assets.    Any  interest  in  transferred  assets  that  are  created   or  retained  by  the  Company  is  recognized  as  a  separate  asset  or  liability.   A   financial   liability   is   derecognized   when   the   underlying   contractual   obligation   is   legally   discharged,   cancelled  or  expires.   (j)   LEASES   The  substance  of  the  transaction  at  inception  of  the  lease  determines  whether  the  lease  is  classified  as   operating  or  finance.  Any  modification  to  the  terms  of  a  lease  requires  reassessment  by  the  Company   of  the  classification  of  the  lease.     OPERATING  LEASE   Leases  in  which  a  significant  portion  of  the  risks  and  rewards  of  ownership  are  retained  by  the  lessor   are  classified  as  operating  leases.  Payments  under  an  operating  lease,  net  of  any  incentives  received   from  the  lessor,  are  recognized  as  rent  in  the  consolidated  statement  of  comprehensive  income  (loss)   on  a  straight-­line  basis  over  the  period  of  the  lease.   FINANCE  LEASE   Leases  in  which  substantially  all  the  risks  and  rewards  of  ownership  are  transferred  to  the  Company  are   classified  as  finance  leases.  Assets  which  meet  the  finance  lease  criteria  are  capitalized  at  the  lower  of   the  present  value  of  the  related  lease  payments  or  the  fair  value  of  the  leased  asset  at  the  inception  of   the  lease  and  amortized  over  the  term  of  the  lease.  Minimum  lease  payments  are  apportioned  between   the  finance  charge  and  the  settlement  of  the  obligation.  The  finance  charge  is  allocated  to  each  period   during  the  lease  term  so  as  to  produce  a  constant  periodic  rate  of  interest  on  the  remaining  balance  of   the  obligation.   (k)  PROVISIONS   Provisions  are  recognized  when  the  Company  has  a  present  legal  or  constructive  obligation  as  a  result   of  past  events,  it  is  probable  that  an  outflow  of  resources  will  be  required  to  settle  the  obligation,  and  the   amount  can  be  reliably  estimated.   Provisions  are  not  recognized  for  future  operating  losses.  Provisions  are  measured  at  the  present  value   of  the  expected  expenditures  to  settle  the  obligation  using  a  discount  rate  that  reflects  current  market   assessments  of  the  time  value  of  money  and  the  risks  specific  to  the  obligation.  The  increase  in  the   provision  due  to  passage  of  time  is  recognized  as  an  interest  expense.  All  provisions  are  reviewed  at   each  reporting  date  and  adjusted  to  reflect  the  current  best  estimate.     ONEROUS  CONTRACTS   The  Company’s  onerous  contracts  consist  of  lease  exit  liabilities.  The  Company  accrues  charges  when   it  ceases  to  use  office  space  under  an  operating  lease  arrangement.  The  provision  is  calculated  as  the   present  value  of  the  remaining  lease  payments,  less  the  recovery  of  the  tenant  improvement  allowance   and  the  present  value  of  the  expected  future  sublease  income.       15   16   T R O P E R L A U N N A 6 1 0 2 P U O R G I B I A-16         IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   NOTE  4:  CHANGES  IN  ACCOUNTING  POLICIES   (a)  ACCOUNTING  POLICY  CHANGES  ADOPTED  IN  2016   Annual  Improvements  to  IFRS  (2012  -­  2014)  Cycles   In  September  2014,  the  IASB  issued  narrow-­scope  amendments  to  a  total  of  four  standards  as  part  of   its  annual  improvements  process.  The  IASB  uses  the  annual  improvements  process  to  make  non-­urgent   but  necessary  amendments  to  IFRS.     The  Company  adopted  these  amendments  in  its  consolidated  financial  statements  for  the  annual  period   beginning  on  January  1,  2016.  The  adoption  of  the  amendments  did  not  have  a  material  impact  on  the   consolidated  financial  statements.   IAS  1  Presentation  of  Financial  Statements   In   December   2014,   the   IASB   issued   amendments   to   IAS   1   Presentation   of   Financial   Statements,   to   provide   guidance   on   the   application   of   judgment   in   the   preparation   of   financial   statements   and   disclosures.     The  Company  adopted  these  amendments  in  is  consolidated  financial  statements  for  the  annual  period   beginning  on  January  1,  2016.  The  adoption  of  these  amendments  did  not  have  a  material  impact  on   the  consolidated  financial  statements.     IFRS  11  Joint  Arrangements   In  May  2014,  IFRS  11  Joint  Arrangements  (“IFRS  11”)  was  amended  to  require  an  acquisition  of  a  joint   operation  that  constitutes  a  business  to  be  accounted  for  using  the  principles  of  business  combinations   in   IFRS   3   Business   Combinations.   This   amendment   applies   to   both   initial   and   additional   interest   acquired  in  the  joint  operation.     The   Company   adopted   the   amendments   to   IFRS   11   in   its   consolidated   financial   statements   for   the   annual  period  beginning  on  January  1,  2016.  The  adoption  of  these  amendments  did  not  have  a  material   impact  on  the  interim  financial  statements.     (b)  FUTURE  ACCOUNTING  POLICY  CHANGES  NOT  YET  ADOPTED   Amendments  to  IAS  7  Statement  of  Cash  Flows   In  January  2016,  the  IASB  issued  Disclosure  Initiative  (Amendments  to  IAS  7).  The  amendments   apply  prospectively  for  annual  periods  beginning  on  or  after  January  1,  2017.  Earlier  application  is   permitted.   The  amendments  require  disclosures  that  enable  users  of  financial  statements  to  evaluate  changes  in   liabilities  arising  from  financing  activities,  including  both  changes  arising  from  cash  flow  and  non-­cash   changes.     The  Company  intends  to  adopt  the  amendments  to  IAS  7  in  its  financial  statements  for  the  annual   period  beginning  on  January  1,  2017.  The  adoption  of  these  amendments  is  not  expected  to  have  a   material  impact  on  the  Company’s  financial  statements.   Amendments  to  IAS  12  Income  Taxes   In  January  2016,  the  IASB  issued  Amendments  to  IAS  12  Income  Taxes  to  provide  clarification  on  the   requirements  relating  to  the  recognition  of  deferred  tax  assets  for  unrealized  losses  on  debt   A-17 17     IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   NOTE  4:  CHANGES  IN  ACCOUNTING  POLICIES   (a)  ACCOUNTING  POLICY  CHANGES  ADOPTED  IN  2016   Annual  Improvements  to  IFRS  (2012  -­  2014)  Cycles   In  September  2014,  the  IASB  issued  narrow-­scope  amendments  to  a  total  of  four  standards  as  part  of   its  annual  improvements  process.  The  IASB  uses  the  annual  improvements  process  to  make  non-­urgent   but  necessary  amendments  to  IFRS.     The  Company  adopted  these  amendments  in  its  consolidated  financial  statements  for  the  annual  period   beginning  on  January  1,  2016.  The  adoption  of  the  amendments  did  not  have  a  material  impact  on  the   consolidated  financial  statements.   IAS  1  Presentation  of  Financial  Statements   In   December   2014,   the   IASB   issued   amendments   to   IAS   1   Presentation   of   Financial   Statements,   to   provide   guidance   on   the   application   of   judgment   in   the   preparation   of   financial   statements   and   disclosures.     The  Company  adopted  these  amendments  in  is  consolidated  financial  statements  for  the  annual  period   beginning  on  January  1,  2016.  The  adoption  of  these  amendments  did  not  have  a  material  impact  on   the  consolidated  financial  statements.     IFRS  11  Joint  Arrangements   In  May  2014,  IFRS  11  Joint  Arrangements  (“IFRS  11”)  was  amended  to  require  an  acquisition  of  a  joint   operation  that  constitutes  a  business  to  be  accounted  for  using  the  principles  of  business  combinations   in   IFRS   3   Business   Combinations.   This   amendment   applies   to   both   initial   and   additional   interest   acquired  in  the  joint  operation.     The   Company   adopted   the   amendments   to   IFRS   11   in   its   consolidated   financial   statements   for   the   annual  period  beginning  on  January  1,  2016.  The  adoption  of  these  amendments  did  not  have  a  material   impact  on  the  interim  financial  statements.     (b)  FUTURE  ACCOUNTING  POLICY  CHANGES  NOT  YET  ADOPTED   Amendments  to  IAS  7  Statement  of  Cash  Flows   In  January  2016,  the  IASB  issued  Disclosure  Initiative  (Amendments  to  IAS  7).  The  amendments   apply  prospectively  for  annual  periods  beginning  on  or  after  January  1,  2017.  Earlier  application  is   The  amendments  require  disclosures  that  enable  users  of  financial  statements  to  evaluate  changes  in   liabilities  arising  from  financing  activities,  including  both  changes  arising  from  cash  flow  and  non-­cash   permitted.   changes.     The  Company  intends  to  adopt  the  amendments  to  IAS  7  in  its  financial  statements  for  the  annual   period  beginning  on  January  1,  2017.  The  adoption  of  these  amendments  is  not  expected  to  have  a   material  impact  on  the  Company’s  financial  statements.   Amendments  to  IAS  12  Income  Taxes   In  January  2016,  the  IASB  issued  Amendments  to  IAS  12  Income  Taxes  to  provide  clarification  on  the   requirements  relating  to  the  recognition  of  deferred  tax  assets  for  unrealized  losses  on  debt   instruments  measured  at  fair  value.  The  amendments  apply  retrospectively  for  annual  periods   beginning  on  or  after  January  1,  2017.  Earlier  application  is  permitted.   The  amendments  clarify  that  the  existence  of  a  deductible  temporary  difference  depends  solely  on  a   comparison  of  the  carrying  amount  of  an  asset  and  its  tax  base  at  the  end  of  the  reporting  period,  and   is  not  affected  by  possible  future  changes  in  the  carrying  amount  or  expected  manner  of  recovery  of   the  asset.  The  amendments  also  clarify  the  methodology  to  determine  the  future  taxable  profits  used   for  assessing  the  utilization  of  deductible  temporary  differences.       The  Company  intends  to  adopt  the  amendments  to  IAS  12  in  its  financial  statements  for  the  annual   period  beginning  on  January  1,  2017.  The  adoption  of  these  amendments  is  not  expected  to  have  a   material  impact  on  the  Company’s  financial  statements.   IFRS  15  Revenue  from  Contracts  with  Customers   In  May  2014,  the  IASB  issued  IFRS  15  Revenue  from  Contracts  with  Customers  (“IFRS  15”).    The   new  standard  is  effective  for  annual  periods  beginning  on  or  after  January  1,  2018  and  is  available  for   early  adoption.   IFRS  15  will  replace  IAS  11,  IAS  18,  IFRIC  13  Customer  Loyalty  Programmes,  IFRIC  15  Agreements   for  the  Construction  of  Real  Estate,  IFRIC  18  Transfer  of  Assets  from  Customers,  and  SIC  31   Revenue  –  Barter  Transactions  Involving  Advertising  Services.   The  new  standard  contains  a  single  model  that  applies  to  contracts  with  customers  and  two   approaches  for  recognizing  revenue:  at  a  point  in  time  or  over  time.  The  model  features  a  contract-­ based  five-­step  analysis  of  individual  transactions  to  determine  whether,  how  much  and  when   revenue  is  recognized.  New  estimates  and  judgmental  thresholds  have  been  introduced,  which  may   affect  the  amount  and/or  timing  of  revenue  recognized.     In  April  2016,  the  IASB  issued  Clarifications  to  IFRS  15,  which  is  effective  at  the  same  time  as  IFRS   15.   The  clarifications  to  IFRS  15  provide  additional  guidance  with  respect  to  the  five-­step  analysis,   transition,  and  the  application  of  the  standard  to  licenses  of  intellectual  property.   The  Company  intends  to  adopt  IFRS  15  in  its  consolidated  financial  statements  for  the  annual  period   beginning  January  1,  2018.  The  Company  has  set  out  a  plan  to  review  contracts  in  multiple  operating   segments  that  may  be  impacted  by  the  adoption  of  this  standard.  The  Company  is  in  the  initial  phase   of  the  project  plan  as  it  has  identified  a  sample  of  significant  contracts  within  each  operating  segment   for  initial  review  in  accordance  with  IFRS  15.  The  extent  of  the  impact  of  adoption  of  the  standard  has   not  yet  been  determined,  but  management  expects  the  contracts  for  software  license  agreements  that   are  accounted  for  as  multiple-­element  arrangements  will  have  the  most  complexity.  The  Company   has  not  yet  determined  which  transition  method  it  will  apply  or  whether  it  will  use  the  optional   exemptions  or  practical  expedients  available  under  the  standard.   IFRS  9  Financial  Instruments   In  July  2014,  the  IASB  issued  the  final  version  of  IFRS  9  Financial  Instruments  (“IFRS  9”),  with  a   mandatory  effective  date  for  annual  periods  beginning  on  or  after  January  1,  2018.  Early  adoption  is   permitted.     17   18   T R O P E R L A U N N A 6 1 0 2 P U O R G I B I A-18       IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   The  new  standard  brings  together  the  classification  and  measurements,  impairment  and  hedge   accounting  phases  of  the  IASB’s  project  to  replace  IAS  39  Financial  Instruments:  Recognition  and   Measurement.  In  addition  to  the  new  requirements  for  classification  and  measurement  of  financial   assets,  a  new  general  hedge  accounting  model  and  other  amendments  issued  in  previous  versions  of   IFRS  9,  the  standard  also  introduces  new  impairment  requirements  that  are  based  on  a  forward-­ looking  expected  credit  loss  model.     The  Company  intends  to  adopt  IFRS  9  in  its  consolidated  financial  statements  for  the  annual  period   beginning  January  1,  2018.  The  extent  of  the  impact  of  the  adoption  of  IFRS  9  has  not  yet  been   determined.   IFRS  16  Leases   In  January  2016,  the  IASB  issued  IFRS  16  Leases  (“IFRS  16”).  The  new  standard  is  effective  for   annual  periods  beginning  on  or  after  January  1,  2019,  with  earlier  adoption  permitted  if  IFRS  15  has   been  adopted.   IFRS  16  will  replace  IAS  17  Leases.  The  new  standard  requires  all  leases  to  be  reported  on  the   balance  sheet  unless  certain  criteria  for  exclusion  are  met.  The  Company  intends  to  adopt  IFRS  16  in   its  consolidated  financial  statements  for  the  annual  period  beginning  on  January  1,  2019.  The  extent   of  the  impact  of  adoption  of  the  standard  has  not  yet  been  determined.     Amendments  to  IFRS  2  Classification  and  Measurement  of  Share-­Based  Payment  Transactions   In  June  2016,  the  IASB  issued  Amendments  to  IFRS  2  Share-­Based  Payments  (“IFRS  2”),  clarifying   how  to  account  for  certain  types  of  share-­based  payment  transactions.  The  amendments  apply  for   annual  periods  beginning  on  or  after  January  1,  2018.  As  a  practical  simplification,  the  amendments   can  be  applied  prospectively  or  retrospectively,  with  early  application  permitted  if  information  is   available  without  the  use  of  hindsight.   The  amendments  provide  requirements  on  the  accounting  for  the  effects  of  vesting  and  non-­vesting   conditions  on  the  measurement  of  cash-­settled  share-­based  payments,  share  based  payment   transactions  with  a  net  settlement  feature  for  withholding  tax  obligations,  and  a  modification  to  the   terms  and  conditions  of  a  share-­based  payment  that  changes  the  classification  of  the  transaction  from   cash-­settled  to  equity-­settled.   The  Company  intends  to  adopt  the  amendments  to  IFRS  2  in  its  consolidated  financial  statements  for   the  annual  period  beginning  January  1,  2018.  The  extent  of  the  impact  of  the  adoption  of  the  standard   has  not  yet  been  determined.   IFRIC  22  Foreign  Currency  Transactions  and  Advance  Consideration   On  December  8,  2016  the  IASB  issued  IFRIC  Interpretation  22  Foreign  Currency  Transactions  and   Advance  Consideration  (“IFRIC  22”).  The  Interpretation  clarifies  which  date  should  be  used  for   translation  when  a  foreign  currency  transaction  involves  an  advance  payment  or  receipt.  The   Interpretation  is  applicable  for  annual  periods  beginning  on  or  after  January  1,  2018.  Earlier   application  is  permitted.  The  Company  intends  to  adopt  the  Interpretation  in  its  financial  statements   for  the  annual  period  beginning  on  January  1,  2018.  The  extent  of  the  impact  of  adoption  of  the   interpretation  has  not  yet  been  determined.     A-19 19       IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   NOTE  5:  SEGMENT  INFORMATION   The  Company  is  an  international,  multi-­disciplinary  provider  of  a  broad  range  of  professional  services   focused   on   the   physical   development   of   cities.   The   Company   considers   the   basis   on   which   it   is   organized,  including  geographic  areas  and  service  offerings,  in  identifying  its  reportable  segments.   (a)  OPERATING  SEGMENTS   Operating   segments   of   the   Company   are   defined   as   components   for   which   separate   financial   information  is  available  that  is  evaluated  regularly  in  allocating  resources  and  assessing  performance.     The  Company  has  one  operating  segment,  consulting  services.  These  services  are  provided  throughout   Canada,  the  US,  and  internationally.       In  January  2016,  the  IASB  issued  IFRS  16  Leases  (“IFRS  16”).  The  new  standard  is  effective  for   annual  periods  beginning  on  or  after  January  1,  2019,  with  earlier  adoption  permitted  if  IFRS  15  has   (b)  GEOGRAPHIC  SEGMENTS   The  following  table  demonstrates  certain   consolidated  statement  of  financial  position  information  line   items  segmented  geographically  as  at  December  31,  2016,  with  comparatives  as  at  December  31,  2015:   AS  AT  DECEMBER  31,  2016     CANADA     US   INTERNATIONAL   TOTAL     Property  and  equipment     $   Intangible  assets       Work  in  process     Reserve  for  work  in  process     Work  in  process,  net      10,431   $    4,599    53,082    (8,788)    44,294    3,837   $    2,519    12,121    -­    12,121    1,504   $    554    30,895    (258)    30,637    15,772    7,672    96,098    (9,046)    87,052     Deferred  revenue     Total  assets    31,064    125,844    6,504    64,037    12,954    71,929    50,522    261,810   AS  AT  DECEMBER  31,  2015   CANADA        US   INTERNATIONAL     TOTAL     Property  and  equipment     $   Intangible  assets       Work  in  process     Reserve  for  work  in  process     Work  in  process,  net      10,584   $    2,766    56,275    (14,137)    42,138    2,533   $    3,306    15,053    (557)    14,496    1,806   $    819    26,766    (2,778)    23,988    14,923    6,891    98,094    (17,472)    80,622     Deferred  revenue     Total  assets    25,909    120,168    8,492    62,233    4,274    72,839    38,675    255,240   The  new  standard  brings  together  the  classification  and  measurements,  impairment  and  hedge   accounting  phases  of  the  IASB’s  project  to  replace  IAS  39  Financial  Instruments:  Recognition  and   Measurement.  In  addition  to  the  new  requirements  for  classification  and  measurement  of  financial   assets,  a  new  general  hedge  accounting  model  and  other  amendments  issued  in  previous  versions  of   IFRS  9,  the  standard  also  introduces  new  impairment  requirements  that  are  based  on  a  forward-­ looking  expected  credit  loss  model.     The  Company  intends  to  adopt  IFRS  9  in  its  consolidated  financial  statements  for  the  annual  period   beginning  January  1,  2018.  The  extent  of  the  impact  of  the  adoption  of  IFRS  9  has  not  yet  been   determined.   IFRS  16  Leases   been  adopted.   IFRS  16  will  replace  IAS  17  Leases.  The  new  standard  requires  all  leases  to  be  reported  on  the   balance  sheet  unless  certain  criteria  for  exclusion  are  met.  The  Company  intends  to  adopt  IFRS  16  in   its  consolidated  financial  statements  for  the  annual  period  beginning  on  January  1,  2019.  The  extent   of  the  impact  of  adoption  of  the  standard  has  not  yet  been  determined.     Amendments  to  IFRS  2  Classification  and  Measurement  of  Share-­Based  Payment  Transactions   In  June  2016,  the  IASB  issued  Amendments  to  IFRS  2  Share-­Based  Payments  (“IFRS  2”),  clarifying   how  to  account  for  certain  types  of  share-­based  payment  transactions.  The  amendments  apply  for   annual  periods  beginning  on  or  after  January  1,  2018.  As  a  practical  simplification,  the  amendments   can  be  applied  prospectively  or  retrospectively,  with  early  application  permitted  if  information  is   available  without  the  use  of  hindsight.   The  amendments  provide  requirements  on  the  accounting  for  the  effects  of  vesting  and  non-­vesting   conditions  on  the  measurement  of  cash-­settled  share-­based  payments,  share  based  payment   transactions  with  a  net  settlement  feature  for  withholding  tax  obligations,  and  a  modification  to  the   terms  and  conditions  of  a  share-­based  payment  that  changes  the  classification  of  the  transaction  from   cash-­settled  to  equity-­settled.   The  Company  intends  to  adopt  the  amendments  to  IFRS  2  in  its  consolidated  financial  statements  for   the  annual  period  beginning  January  1,  2018.  The  extent  of  the  impact  of  the  adoption  of  the  standard   has  not  yet  been  determined.   IFRIC  22  Foreign  Currency  Transactions  and  Advance  Consideration   On  December  8,  2016  the  IASB  issued  IFRIC  Interpretation  22  Foreign  Currency  Transactions  and   Advance  Consideration  (“IFRIC  22”).  The  Interpretation  clarifies  which  date  should  be  used  for   translation  when  a  foreign  currency  transaction  involves  an  advance  payment  or  receipt.  The   Interpretation  is  applicable  for  annual  periods  beginning  on  or  after  January  1,  2018.  Earlier   application  is  permitted.  The  Company  intends  to  adopt  the  Interpretation  in  its  financial  statements   for  the  annual  period  beginning  on  January  1,  2018.  The  extent  of  the  impact  of  adoption  of  the   interpretation  has  not  yet  been  determined.     19   20   T R O P E R L A U N N A 6 1 0 2 P U O R G I B I A-20                                                                                                                                                                                                                                                                                                                                                                                                                                                     IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   The   following   table   demonstrates   certain   information   contained   in   the   consolidated   statement   of   comprehensive  income  (loss)  segmented  geographically  for  the  year  ended  December  31,  2016,  with   comparatives  for  the  year  ended  December  31,  2015.  The  unallocated  amounts  pertain  to  interest  on   convertible  debentures.   YEAR  ENDED  DECEMBER  31,  2016   UNALLOCATED   CORPORATE   COSTS   CANADA   US   INTERNATIONAL   TOTAL   $   $    -­   $    186,377     $    118,271     $    49,492     $    354,140      (26,107)   $    -­    14,361   $    6,630      8,792     $    75      3,955     $    658      1,001      7,363     $    (26,107)   $    20,991   $    8,867     $    4,613     $    8,364     YEAR  ENDED  DECEMBER  31,  2015   UNALLOCATED   CORPORATE   COSTS   CANADA   US   INTERNATIONAL   TOTAL   $   $    -­   $    176,760     $    102,848     $    47,484     $    327,092      (20,785)   $    32,192     $    3,507     $    596     $    15,510      -­    (8,892)    (23)    216      (8,699)   $    (20,785)   $    23,300     $    3,484     $    812     $    6,811       Revenues   Net  income  (loss)        before  tax     Foreign  exchange  loss   Net  income  (loss)        before  tax  and  foreign        exchange     Revenues   Net  income  (loss)        before  tax   Foreign  exchange  loss        (gain)   Net  income  (loss)        before  tax  and  foreign        exchange   A-21 21                                                                                                                                                                                                                                                                                                                     The   following   table   demonstrates   certain   information   contained   in   the   consolidated   statement   of   comprehensive  income  (loss)  segmented  geographically  for  the  year  ended  December  31,  2016,  with   comparatives  for  the  year  ended  December  31,  2015.  The  unallocated  amounts  pertain  to  interest  on   convertible  debentures.   YEAR  ENDED  DECEMBER  31,  2016   UNALLOCATED   CORPORATE   COSTS   CANADA   US   INTERNATIONAL   TOTAL     Revenues    -­   $    186,377     $    118,271     $    49,492     $    354,140     Net  income  (loss)        before  tax     Foreign  exchange  loss   Net  income  (loss)        before  tax  and  foreign        exchange   $    (26,107)   $    20,991   $    8,867     $    4,613     $    8,364     YEAR  ENDED  DECEMBER  31,  2015   UNALLOCATED   CORPORATE   COSTS   CANADA   US   INTERNATIONAL   TOTAL     Revenues    -­   $    176,760     $    102,848     $    47,484     $    327,092     Net  income  (loss)        before  tax   Foreign  exchange  loss        (gain)   Net  income  (loss)        before  tax  and  foreign        exchange    (20,785)   $    32,192     $    3,507     $    596     $    15,510      -­    (8,892)    (23)    216      (8,699)   $    (20,785)   $    23,300     $    3,484     $    812     $    6,811     $   $   $   $   IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   NOTE  6:  FINANCIAL  INSTRUMENTS   (a)  INDEBTEDNESS     On  October  5,  2015,  IBI  Group  secured  an  agreement  to  refinance  its  credit  facilities  under  the  existing   banking  agreement  with  its  senior  lenders.  The  new  arrangement  consists  of  a  $90,000  revolver  facility,   of  which  a  maximum  of  $10,000  is  available  under  a  swing  line  facility  and  will  mature  on  June  30,  2018.   The  commitment  under  the  swing  line  facility  will  reduce  availability  under  the  revolver  facility  on  a  dollar-­ for-­dollar  basis.  The  existing  credit  facilities  were  paid  off  in  full  upon  closing  under  the  terms  of  the  new   agreement   and   $20,000   was   placed   in   a   segregated   cash   collateral   account   (“Sinking   Fund”)   upon   closing.  This  amount  was  used  to  redeem  the  5.75%  debentures  on  December  18,  2015.  The  agreement   requires  additional  deposits  each  quarter  for  pre-­defined  amounts  to  the  Sinking  Fund  as  noted  below:    (26,107)   $    14,361   $    8,792     $    -­    6,630      75      3,955     $    658      1,001      7,363     (in  thousands  of  Canadian  dollars)     October  05,  2015     December  31,  2015     March  31,  2016   June  30,  2016     September  30,  2016     December  31,  2016     March  31,  2017   June  30,  2017     September  30,  2017     December  31,  2017     March  31,  2018   June  30,  2018   $                                  20,000    2,000    3,250    3,250    3,250    3,250    2,240    2,240    2,240    2,240    2,240    2,240   The   additional   deposits   in   the   Sinking   Fund   are   pledged   to   repay   the   credit   facilities   or   convertible   debentures,  and  as  security  in  the  event  of  default.  IBI  Group  made  the  December  31,  2016,  deposit  to   the  Sinking  Fund,  which  has  been  recognized  in  restricted  cash  in  the  consolidated  statement  of  financial   position.  The  Company  applied  $13,690  from  the  sinking  fund  to  redeem  a  portion  of  6%  Debentures   on  December  30,  2016.  IBI  Group  will  earn  interest  on  the  deposits  in  the  Sinking  Fund  based  on  the   Canadian  dollar  prime  rate  less  an  applicable  margin.  On  November  8,  2016,  the  Company’s  quarterly   Sinking  Fund  contribution  was  modified  to  $2,240  per  quarter  beginning  on  March  2017.   As  at  December  31,  2016,  IBI  Group  has  borrowings  of  $74,737  under  the  credit  facilities,  which  has   been  recognized  in  the  consolidated  statement  of  financial  position  net  of  deferred  financing  costs  of   $1,553.  IBI  Group  has  letters  of  credit  outstanding  of  $8,034  as  at  December  31,  2016,  of  which  $5,816   is   issued   under   a   $7,500   facility   which   matures   on   July   31,   2017   and   supports   letters   of   credit   backstopped  by  Export  Development  Canada.  Advances  under  the  revolver  facility  bear  interest  at  a   rate  based  on  the  Canadian  dollar  prime  rate  or  US  dollar  base  rate,  LIBOR  or  Banker’s  Acceptance   rates  plus,  in  each  case,  an  applicable  margin.  At  December  31,  2016,  $32,117  was  outstanding  under   Bankers’  Acceptance  with  the  remainder  borrowed  as  Prime  Rate  debt.       21   22   T R O P E R L A U N N A 6 1 0 2 P U O R G I B I A-22                                                                                                                                                                                                                                                                                                                                                                                                 IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   As  at  December  31,  2015,  IBI  Group  had  borrowings  of  $74,872  under  the  credit  facilities  which  had   been  recognized  in  the  consolidated  statement  of  financial  position  net  of  deferred  financing  costs  of   $2,595.  IBI  Group  had  issued  letters  of  credit  of  $5,318  as  at  December  31,  2015,  of  which  $3,091  is   issued   under   the   $5,000   facility   which   matured   on   July   31,   2016   and   supports   letters   of   credit   backstopped  by  Export  Development  Canada.  Advances  under  the  revolver  facility  bear  interest  at  a   rate  based  on  the  Canadian  dollar  prime  rate  or  US  dollar  base  rate,  LIBOR  or  Banker’s  Acceptance   rates   plus,   in   each   case,   an   applicable   margin.   As   at   December   31,   2015,   $30,000   was   outstanding   under  Bankers’  Acceptance  with  the  remainder  borrowed  as  prime  rate  debt.     The  facility  is  subject  to  compliance  with  certain  financial,  reporting  and  other  covenants.  The  financial   covenants  under  the  new  agreement  include  a  leverage  ratio,  interest  coverage  ratio,  minimum  Adjusted   EBITDA1  threshold,  and  restrictions  on  distributions,  if  certain  conditions  are  not  met.  IBI  Group  was  in   compliance  with  its  credit  facility  covenants  as  at  December  31,  2016.     Continued  compliance  with  the  covenants  under  the  amended  credit  facilities  is  dependent  on  IBI  Group   achieving   revenue   forecasts,   profitability,   reducing   costs   and   the   continued   improvement   of   working   capital.  Market  conditions  are  difficult  to  predict  and  there  is  no  assurance  that  IBI  Group  will  achieve  its   forecasts.  In  the  event  of  non-­compliance,  IBI  Group’s  lenders  have  the  right  to  demand  repayment  of   the  amounts  outstanding  under  the  lending  agreements  or  pursue  other  remedies  if  IBI  Group  cannot   reach  an  agreement  with  its  lenders  to  amend  or  waive  the  financial  covenants.  As  in  the  past,  IBI  Group   will  carefully  monitor  its  compliance  with  the  covenants  and  will  seek  waivers,  subject  to  lender  approval,   as  may  become  necessary  from  time  to  time.     1  As  defined  in  the  credit  facilities  agreement,  references  to  “Adjusted  EBITDA”  is  to  earnings  before  interest,  income  taxes,  depreciation  and     amortization;;  adjusted  for  gain/loss  arising  from  extraordinary,  unusual  or  non-­recurring  items;;  acquisition  costs  and  deferred  consideration  revenue;;   non-­cash  expenses;;  gain/loss  realized  upon  the  disposal  of  capital  property;;  gain/loss  on  foreign  exchange  translation;;  gain/loss  on  purchase  or   redemption  of  securities  issued;;  gain/loss  on  fair  valuation  of  financial  instruments;;  amounts  attributable  to  minority  equity  investments;;  and  interest   income.  Adjusted  EBITDA  is  not  a  recognized  measure  under  IFRS  and  does  not  have  a  standardized  meaning  prescribed  by  IFRS,  and  the   Company’s  method  of  calculating  Adjusted  EBITDA  may  differ  from  the  methods  used  by  other  similar  entities.   A-23 23                                                                                                                     IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   As  at  December  31,  2015,  IBI  Group  had  borrowings  of  $74,872  under  the  credit  facilities  which  had   been  recognized  in  the  consolidated  statement  of  financial  position  net  of  deferred  financing  costs  of   $2,595.  IBI  Group  had  issued  letters  of  credit  of  $5,318  as  at  December  31,  2015,  of  which  $3,091  is   issued   under   the   $5,000   facility   which   matured   on   July   31,   2016   and   supports   letters   of   credit   backstopped  by  Export  Development  Canada.  Advances  under  the  revolver  facility  bear  interest  at  a   rate  based  on  the  Canadian  dollar  prime  rate  or  US  dollar  base  rate,  LIBOR  or  Banker’s  Acceptance   rates   plus,   in   each   case,   an   applicable   margin.   As   at   December   31,   2015,   $30,000   was   outstanding   under  Bankers’  Acceptance  with  the  remainder  borrowed  as  prime  rate  debt.     The  facility  is  subject  to  compliance  with  certain  financial,  reporting  and  other  covenants.  The  financial   covenants  under  the  new  agreement  include  a  leverage  ratio,  interest  coverage  ratio,  minimum  Adjusted   EBITDA1  threshold,  and  restrictions  on  distributions,  if  certain  conditions  are  not  met.  IBI  Group  was  in   compliance  with  its  credit  facility  covenants  as  at  December  31,  2016.     Continued  compliance  with  the  covenants  under  the  amended  credit  facilities  is  dependent  on  IBI  Group   achieving   revenue   forecasts,   profitability,   reducing   costs   and   the   continued   improvement   of   working   capital.  Market  conditions  are  difficult  to  predict  and  there  is  no  assurance  that  IBI  Group  will  achieve  its   forecasts.  In  the  event  of  non-­compliance,  IBI  Group’s  lenders  have  the  right  to  demand  repayment  of   the  amounts  outstanding  under  the  lending  agreements  or  pursue  other  remedies  if  IBI  Group  cannot   reach  an  agreement  with  its  lenders  to  amend  or  waive  the  financial  covenants.  As  in  the  past,  IBI  Group   will  carefully  monitor  its  compliance  with  the  covenants  and  will  seek  waivers,  subject  to  lender  approval,   as  may  become  necessary  from  time  to  time.     (b)  CONVERTIBLE  DEBENTURES   The  Company  had  the  following  series  of  convertible  debentures  outstanding  as  at  December  31,  2016   and  December  31,  2015.     5.75%  Debentures  (redeemed)      Balance  January  1,  2015          Accretion  of  5.75%  Debentures  2015          Redemption  of  5.75%  Debentures  (December  2015)      Balance  at  December  31,  2015     6.0%  Debentures  (redeemed)      Balance  at  January  1,  2015          Accretion  of  6.0%  Debentures  2015      Balance  at  December  31,  2015          Accretion  of  6.0%  Debentures  2016          Redemption  of  6.0%  Debentures  (October  2016)          Redemption  of  6.0%  Debentures  (December  2016)      Balance  at  December  31,  2016     7.0%  Debentures  (matures  on  June  30,  2019)      Balance  at  January  1,  2015          Accretion  of  7.0%  Debentures  2015      Balance  at  December  31,  2015          Accretion  of  7.0%  Debentures  2016          Conversion  of  7.0%  Debentures  (October  2016)      Balance  at  December  31,  2016     5.5%  Debentures  (matures  on  December  31,  2021)      Balance  at  January  1,  2016          Issuance  of  5.5%  Debentures  (September  2016)          Accretion  of  5.5%  Debentures  2016          Decrease  in  fair  value  of  other  financial  liabilities            (December  2016)      Balance  at  December  31,  2016   LIABILITY   COMPONENT   EQUITY   COMPONENT   OTHER   FINANCIAL   LIABILITY   COMPONENT   TOTAL    18,838      1,162      (20,000)    -­    896      -­    (896)    -­    54,266      3,206      836      55,102      2,398      (43,810)    (13,690)    -­    25,333      4,285      29,618      12,486      (31,245)    10,859      -­    32,498      519      -­    33,017      -­    3,206      -­    (2,443)    (763)    -­    1,750      -­    1,750      -­    (1,189)    561      -­    -­    -­    -­    -­    -­    -­    -­    -­    -­    -­    -­    -­    -­    -­    -­    -­    -­    -­    -­    -­    -­    -­    19,734      1,162      (20,896)    -­    57,472      836      58,308      2,398      (46,253)    (14,453)    -­    27,083      4,285      31,368      12,486      (32,434)    11,420      -­    10,908      43,406      -­    519      (1,819)    9,089      (1,819)    42,106       BALANCE,  DECEMBER  31,  2016   $                    43,876    $                                561    $                        9,089    $                    53,526     1  As  defined  in  the  credit  facilities  agreement,  references  to  “Adjusted  EBITDA”  is  to  earnings  before  interest,  income  taxes,  depreciation  and     amortization;;  adjusted  for  gain/loss  arising  from  extraordinary,  unusual  or  non-­recurring  items;;  acquisition  costs  and  deferred  consideration  revenue;;   non-­cash  expenses;;  gain/loss  realized  upon  the  disposal  of  capital  property;;  gain/loss  on  foreign  exchange  translation;;  gain/loss  on  purchase  or   redemption  of  securities  issued;;  gain/loss  on  fair  valuation  of  financial  instruments;;  amounts  attributable  to  minority  equity  investments;;  and  interest   income.  Adjusted  EBITDA  is  not  a  recognized  measure  under  IFRS  and  does  not  have  a  standardized  meaning  prescribed  by  IFRS,  and  the   Company’s  method  of  calculating  Adjusted  EBITDA  may  differ  from  the  methods  used  by  other  similar  entities.   23   24   T R O P E R L A U N N A 6 1 0 2 P U O R G I B I A-24                                                                                                                                                                                                                                                                                               IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   5.5%  DEBENTURES  ($46,000  PRINCIPAL,  MATURES  ON  DECEMBER  31,  2021)   In   September   2016,   the   Company   issued   5.5%   Debentures   of   $46,000   with   a   maturity   date   of   December  31,  2021.  The  5.5%  Debentures  are  convertible  into  common  shares  of  the  Company  at  the   option  of  the  holder  at  a  conversion  price  of  $8.35  per  common  share.  The  5.5%  Debentures  are  not   redeemable   at   the   option   of   the   Company   before   December   31,   2019.   The   5.5%   Debentures   are   redeemable   by   the   Company   at   a   price   of   $1,000   per   5.5%   Debenture,   plus   accrued   and   unpaid   interest,   on   or   after   December   31,   2019   and   prior   to   December   31,   2020   (provided   that   the   volume   weighted  average  trading  price  of  the  shares  of  the  Company  on  the  TSX  for  the  20  consecutive  trading   days  ending  five  trading  days  preceding  the  date  on  which  notice  of  redemption  is  given,  is  not  less   than  125%  of  the  conversion  price  of  $8.35  per  share).  On  or  after  December  31,  2020  and  prior  to  the   maturity  date,  the  5.5%  Debentures  are  redeemable  by  the  Company  at  a  price  of  $1,000  per  5.5%   Debenture,  plus  accrued  and  unpaid  interest.  The  5.5%  Debentures  bear  interest  from  the  date  of  issue   at  5.5%  per  annum,  payable  in  equal  semi-­annual  payments  in  arrears  on  June  30th  and  December  31st   of  each  year,  commencing  June  30,  2017.   The  5.5%  Debentures  are  recorded  as  a  hybrid  financial  instrument.  The  non-­derivative  debt  (interest   and  principal  portion)  was  recorded  at  fair  value  on  the  date  of  issue  and  was  recognized  at  $32,498   which  was  net  of  deferred  financing  costs  of  $2,594,  estimated  using  discounted  future  cash  flows  at   an  estimated  discount  rate  discount  rate  of  11.5%.  Subsequently  the  non-­derivative  debt  component  is   measured  at  amortized  cost  using  the  effective  interest  method  over  the  life  of  the  debenture.   The  derivative  component  of  this  hybrid  financial  instrument  representing  the  conversion  feature  of  the   5.5%  Debentures  was  measured  at  fair  value  of  $10,908  at  the  date  of  issuance,  and  recorded  as  part   of  Other  financial  liabilities  in  the  statement  of  financial  position.  This  conversion  feature  is  unique  to   this  issuance  of  convertible  debt  given  IBI  has  the  right  to  settle  any  request  to  convert  debentures  to   IBI  shares  by  the  Debenture  holders  for  an  equivalent  amount  of  cash.  As  at  December  31,  2016,  the   fair  value  of  the  derivative  component  was  $9,089.   On  September  30,  2016,  the  net  proceeds  of  $43,406  from  the  issuance  of  the  5.5%  Debentures  were   used  to  repay  the  Company’s  credit  facilities.   6.0%  DEBENTURES  ($57,500  PRINCIPAL,  REDEEMED  ON  OCTOBER  24,  2016  AND  DECEMBER   30,  2016)   On  October  24,  2016,  the  Company  financed  the  partial  redemption  of  its  6.0%  Debentures  for  $43,810   cash  from  the  credit  facilities,  plus  paid  accrued  and  unpaid  interest  up  to  but  excluding  the  redemption   date.  On  December  30,  2016,  the  Company  redeemed  the  remaining  portion  of  the  6.0%  Debentures   for  $13,690  cash,  plus  paid  accrued  and  unpaid  interest  up  to  but  excluding  the  redemption  date.  The   6.0%  Debentures  were  accreted  to  principal  upon  each  redemption  date,  resulting  in  $2,398  of  accretion   expense   being   recognized   in   the   consolidated   statement   of   comprehensive   income   (loss)   during   the   year  ended  December  31,  2016.  The  equity  component  of  $3,206  was  reclassified  to  contributed  surplus   upon  redemption.   7.0%  DEBENTURES  ($46,000  PRINCIPAL,  OPTION  A  MATURES  ON  JUNE  30,  2019  AND  OPTIONS   B  AND  C  REDEEMED  ON  OCTOBER  31,  2016)   On   July   23,   2014,   the   Company   entered   into   a   supplemental   trust   indenture   with   CIBC   Mellon   Trust   Company,   the   trustee   for   the   7.0%   convertible   unsecured   subordinated   debentures   (“Debentures”)   which  were  originally  scheduled  to  mature  on  December  31,  2014,  to  give  effect  to  the  amendments   approved  at  a  special  meeting  of  the  Debenture  holders  to  extend  the  maturity  of  the  Debentures  to   June  30,  2019.  In  exchange  for  the  extension  of  the  maturity,  Debenture  holders  that  delivered  and  did   A-25 25             IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   5.5%  DEBENTURES  ($46,000  PRINCIPAL,  MATURES  ON  DECEMBER  31,  2021)   In   September   2016,   the   Company   issued   5.5%   Debentures   of   $46,000   with   a   maturity   date   of   December  31,  2021.  The  5.5%  Debentures  are  convertible  into  common  shares  of  the  Company  at  the   option  of  the  holder  at  a  conversion  price  of  $8.35  per  common  share.  The  5.5%  Debentures  are  not   redeemable   at   the   option   of   the   Company   before   December   31,   2019.   The   5.5%   Debentures   are   redeemable   by   the   Company   at   a   price   of   $1,000   per   5.5%   Debenture,   plus   accrued   and   unpaid   interest,   on   or   after   December   31,   2019   and   prior   to   December   31,   2020   (provided   that   the   volume   weighted  average  trading  price  of  the  shares  of  the  Company  on  the  TSX  for  the  20  consecutive  trading   days  ending  five  trading  days  preceding  the  date  on  which  notice  of  redemption  is  given,  is  not  less   than  125%  of  the  conversion  price  of  $8.35  per  share).  On  or  after  December  31,  2020  and  prior  to  the   maturity  date,  the  5.5%  Debentures  are  redeemable  by  the  Company  at  a  price  of  $1,000  per  5.5%   Debenture,  plus  accrued  and  unpaid  interest.  The  5.5%  Debentures  bear  interest  from  the  date  of  issue   at  5.5%  per  annum,  payable  in  equal  semi-­annual  payments  in  arrears  on  June  30th  and  December  31st   of  each  year,  commencing  June  30,  2017.   The  5.5%  Debentures  are  recorded  as  a  hybrid  financial  instrument.  The  non-­derivative  debt  (interest   and  principal  portion)  was  recorded  at  fair  value  on  the  date  of  issue  and  was  recognized  at  $32,498   which  was  net  of  deferred  financing  costs  of  $2,594,  estimated  using  discounted  future  cash  flows  at   an  estimated  discount  rate  discount  rate  of  11.5%.  Subsequently  the  non-­derivative  debt  component  is   measured  at  amortized  cost  using  the  effective  interest  method  over  the  life  of  the  debenture.   The  derivative  component  of  this  hybrid  financial  instrument  representing  the  conversion  feature  of  the   5.5%  Debentures  was  measured  at  fair  value  of  $10,908  at  the  date  of  issuance,  and  recorded  as  part   of  Other  financial  liabilities  in  the  statement  of  financial  position.  This  conversion  feature  is  unique  to   this  issuance  of  convertible  debt  given  IBI  has  the  right  to  settle  any  request  to  convert  debentures  to   IBI  shares  by  the  Debenture  holders  for  an  equivalent  amount  of  cash.  As  at  December  31,  2016,  the   fair  value  of  the  derivative  component  was  $9,089.   On  September  30,  2016,  the  net  proceeds  of  $43,406  from  the  issuance  of  the  5.5%  Debentures  were   used  to  repay  the  Company’s  credit  facilities.   6.0%  DEBENTURES  ($57,500  PRINCIPAL,  REDEEMED  ON  OCTOBER  24,  2016  AND  DECEMBER   30,  2016)   On  October  24,  2016,  the  Company  financed  the  partial  redemption  of  its  6.0%  Debentures  for  $43,810   cash  from  the  credit  facilities,  plus  paid  accrued  and  unpaid  interest  up  to  but  excluding  the  redemption   date.  On  December  30,  2016,  the  Company  redeemed  the  remaining  portion  of  the  6.0%  Debentures   for  $13,690  cash,  plus  paid  accrued  and  unpaid  interest  up  to  but  excluding  the  redemption  date.  The   6.0%  Debentures  were  accreted  to  principal  upon  each  redemption  date,  resulting  in  $2,398  of  accretion   expense   being   recognized   in   the   consolidated   statement   of   comprehensive   income   (loss)   during   the   year  ended  December  31,  2016.  The  equity  component  of  $3,206  was  reclassified  to  contributed  surplus   upon  redemption.   7.0%  DEBENTURES  ($46,000  PRINCIPAL,  OPTION  A  MATURES  ON  JUNE  30,  2019  AND  OPTIONS   B  AND  C  REDEEMED  ON  OCTOBER  31,  2016)   On   July   23,   2014,   the   Company   entered   into   a   supplemental   trust   indenture   with   CIBC   Mellon   Trust   Company,   the   trustee   for   the   7.0%   convertible   unsecured   subordinated   debentures   (“Debentures”)   which  were  originally  scheduled  to  mature  on  December  31,  2014,  to  give  effect  to  the  amendments   approved  at  a  special  meeting  of  the  Debenture  holders  to  extend  the  maturity  of  the  Debentures  to   June  30,  2019.  In  exchange  for  the  extension  of  the  maturity,  Debenture  holders  that  delivered  and  did   not  withdraw  a  valid  proxy  voting  for  the  extension  received  either;;  a  reduced  conversion  price  to  $5.00   per  share  from  $19.17  per  share  with  a  consent  fee  note  equal  to  $86.96  per  $1,000  principal  amount   of  Debentures  (“Option  B”)  or  the  Debenture  holders  retained  the  conversion  price  of  $19.17  per  share   and  received  a  consent  fee  note  equal  to  $195.65  per  $1,000  principal  amount  of  Debentures  (“Option   A”).  The  conversion  price  was  also  reduced  to  $5.00  per  share  from  $19.17  per  share  for  Debenture   holders  who  did  not  deposit  a  proxy,  abstained  from  voting  or  voted  against  the  Debenture  amendments   (“Option  C”).  The  Debentures  bear  interest  from  the  date  of  issue  at  7.0%  per  annum,  payable  in  equal   semi-­annual  payments  in  arrears  on  June  30th  and  December  31st  of  each  year.  The  consent  fee  notes   are  unsecured,  non-­convertible,  mature  on  December  31,  2016  and  bear  interest  at  the  rate  of  7.0%  per   annum  which  is  payable  on  maturity.   The   amendments   to   the   Debentures   resulted   in   them   being   accounted   for   as   extinguishments   for   accounting   purposes.   Consequently,   the   original   Debentures   were   derecognized   and   the   new   Debentures  (under  Option  A,  B  and  C)  were  recognized  at  fair  value.   On  October  31,  2016,  the  Company  redeemed  the  7.0%  Debentures  under  Options  B  and  C  (“IBG.DB”).   The  holders  of  $29,988  principal  of  the  7.0%  Debentures  had  exercised  the  $5  share  conversion  option   and   received   5,997,600   shares.   For   the   balance   of   $1,257   principal   of   the   7.0%   Debentures,   the   Company  issued  222,476  shares.  The  financial  liability  being  redeemed  under  Options  B  and  C  were   accreted  to  the  full  principal  value,  resulting  in  total  accretion  expense  of  $12,485  being  recognized  in   the  consolidated  statement  of  comprehensive  income  (loss)  during  the  year  ended  December  31,  2016.   See   Note   15   –   Finance   Costs   for   further   detail   regarding   the   accretion   expense   for   the   period.   The   Company   recorded   $31,245   in   common   shares   and   reclassified   the   equity   component   of   the   portion   redeemed  of  $1,189  to  contributed  surplus.   The   fair   value   of   the   remaining   7.0%   Debentures   under   Option   A   is   $15,043   (December   31,   2015   -­   $10,624)  with  a  face  value  of  $14,755  should  they  be  redeemed  for  cash  prior  to  or  at  maturity.  The   consent  fee  notes  issued  under  Option  A  and  B  were  paid  in  full  upon  maturity  as  at  December  31,  2016.   The   fair   value   of   the   convertible   debentures   as   at   December   31,   2016,   based   on   a   Level   1   quoted   market  price,  is  as  follows:   5.5%  Debentures   6.0%  Debentures   7.0%  Debentures   Carrying  Value   Fair  Value     $                            33,017   $                            46,920    -­    -­    15,043    10,859     BALANCE,  DECEMBER  31,  2016     $                            43,876   $                            61,963   The   fair   value   of   the   convertible   debentures   as   at   December   31,   2015,   based   on   a   Level   1   quoted   market  price,  is  as  follows:   5.5%  Debentures   6.0%  Debentures   7.0%  Debentures   Carrying  Value   Fair  Value   $                                            -­    55,102    29,618   $                                            -­    42,493    33,917     BALANCE,  DECEMBER  31,  2015     $                          84,720   $                          76,410   25   26   T R O P E R L A U N N A 6 1 0 2 P U O R G I B I A-26                                                                                                                                               IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   (c)  FINANCIAL  ASSETS  AND  LIABILITIES   The  fair  values  of  cash,  restricted  cash,  accounts  receivable,  accounts  payable  and  accrued  liabilities,   vendor   notes   payable,   consent   fee   notes   payable   and   finance   lease   obligation   approximate   their   carrying  amounts  due  to  their  short-­term  maturity.   The  carrying  amount  of  the  Company’s  financial  instruments  as  at  December  31,  2016  are  as  follows:   FINANCIAL   ASSETS   AND   LIABILITIES   AT  FVTPL   LOANS  AND   RECEIVABLES   OTHER   FINANCIAL   LIABILITIES   TOTAL     FINANCIAL  ASSETS   Cash   Restricted  cash   Accounts  receivable   $                    8,008   $                                        -­   $                                  -­   $                      8,008    4,522    -­    108,593    108,593    4,522    -­    -­    -­     TOTAL   $                12,530   $                  108,593   $                                  -­   $              121,123     FINANCIAL  LIABILITIES   Accounts  payable  and  accrued        liabilities   Deferred  share  plan  liability(1)   Consent  fee  notes  payable   Finance  lease  obligation   Credit  facilities   Convertible  debentures   Other  Financial  Liabilities   $                                  -­   $                                        -­   $                53,145   $                  53,145    2,360    -­    -­    -­    104    -­    73,184    -­    43,876    -­    9,089    -­    -­    -­    104    73,184    43,876    -­    2,360    -­    -­    -­    -­    9,089     TOTAL   $                11,449   $                                        -­   $            170,309   $              181,758   (1)   The  deferred  share  plan  liability  is  grouped  with  accounts  payable  and  accrued  liabilities  on  the  consolidated  statement  of   financial  position.  See  Note  16  –  Deferred  Share  Plan,  for  further  discussion.   A-27 27                                                                                                                             IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   (c)  FINANCIAL  ASSETS  AND  LIABILITIES   The  carrying  amount  of  the  Company’s  financial  instruments  as  at  December  31,  2015  are  as  follows:   The  fair  values  of  cash,  restricted  cash,  accounts  receivable,  accounts  payable  and  accrued  liabilities,   vendor   notes   payable,   consent   fee   notes   payable   and   finance   lease   obligation   approximate   their   carrying  amounts  due  to  their  short-­term  maturity.   The  carrying  amount  of  the  Company’s  financial  instruments  as  at  December  31,  2016  are  as  follows:   FINANCIAL   ASSETS   AND   LIABILITIES   AT  FVTPL   LOANS  AND   RECEIVABLES   OTHER   FINANCIAL   LIABILITIES   TOTAL   FINANCIAL   ASSETS   AND   LIABILITIES   LOANS  AND   FINANCIAL   AT  FVTPL   RECEIVABLES   LIABILITIES   TOTAL   OTHER     FINANCIAL  ASSETS   Cash   Restricted  cash   Accounts  receivable   $                    7,968   $                                        -­   $                                  -­   $                      7,968    5,248    -­    111,771    111,771    5,248    -­    -­    -­     FINANCIAL  ASSETS   Cash   Restricted  cash   Accounts  receivable   $                    8,008   $                                        -­   $                                  -­   $                      8,008    4,522    -­    -­    108,593    -­    -­    4,522    108,593     TOTAL   $                12,530   $                  108,593   $                                  -­   $              121,123     FINANCIAL  LIABILITIES   Accounts  payable  and  accrued        liabilities   Deferred  share  plan  liability(1)   Consent  fee  notes  payable   Finance  lease  obligation   Credit  facilities   Convertible  debentures   Other  Financial  Liabilities   $                                  -­   $                                        -­   $                53,145   $                  53,145    2,360    -­    -­    -­    -­    9,089    -­    -­    -­    -­    -­    -­    -­    -­    -­    104    73,184    43,876    2,360    -­    104    73,184    43,876    9,089     TOTAL   $                11,449   $                                        -­   $            170,309   $              181,758   (1)   The  deferred  share  plan  liability  is  grouped  with  accounts  payable  and  accrued  liabilities  on  the  consolidated  statement  of   financial  position.  See  Note  16  –  Deferred  Share  Plan,  for  further  discussion.     TOTAL   $                13,216   $                  111,771   $                                  -­   $              124,987     FINANCIAL  LIABILITIES   Accounts  payable  and  accrued        liabilities   Deferred  share  plan  liability(1)   Vendor  notes  payable   Consent  fee  notes  payable   Finance  lease  obligation   Credit  facilities   Convertible  debentures   Other  Financial  Liabilities   $                                  -­   $                                        -­   $                53,696   $                  53,696    727    -­    4,238    -­    3,067    -­    252    -­    72,227    -­    84,720    -­    -­    -­    -­    4,238    3,067    252    72,227    84,720    -­    727    -­    -­    -­    -­    -­    -­     TOTAL   $                          727   $                                        -­   $            218,200   $              218,927   (1)   The  deferred  share  plan  liability  is  grouped  with  accounts  payable  and  accrued  liabilities  on  the  consolidated  statement  of   financial  position.  See  Note  16  –  Deferred  Share  Plan,  for  further  discussion.   The  following  tables  summarize  the  Company’s  fair  value  hierarchy  for  those  assets  and  liabilities  that   are  measured  at  fair  value  on  a  recurring  basis  as  at  December  31,  2016  and  December  31,  2015:   AS  AT  DECEMBER  31,  2016   LEVEL  2   LEVEL  1   LEVEL  3     Cash       Restricted  cash     Deferred  share  plan  liability(1)     Other  Financial  Liabilities   $                          8,008   $                                    -­   $                                    -­    -­    -­    -­    -­    (2,360)    (9,089)    4,522    -­    -­   27   28   $                      12,530   $              (11,449)   $                                    -­   T R O P E R L A U N N A 6 1 0 2 P U O R G I B I A-28                                                                                                                                                                                                                                                                                                                   IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   AS  AT  DECEMBER  31,  2015   LEVEL  2   LEVEL  1   LEVEL  3     Cash       Restricted  cash     Deferred  share  plan  liability(1)   NOTE  7:  PROPERTY  AND  EQUIPMENT   (a)  CARRYING  AMOUNT   $                          7,968   $                                    -­   $                                    -­    -­    -­    5,248    -­    -­    (727)   $                      13,216   $                        (727)   $                                    -­   The   following   table   presents   the   Company’s   property   and   equipment   as   at   December   31,   2016   and   December  31,  2015:   OFFICE   FURNITURE   AND   EQUIPMENT   COMPUTER   EQUIPMENT   VEHICLES   LEASEHOLDS   TOTAL     COST   January  1,  2015   $                        9,821   $                  14,267   $                    138   $                          12,016   $              36,242     Additions     Disposals   Write  off  of  fully  amortized        assets   Foreign  currency        translation  gain       December  31,  2015     Additions     Disposals   Write  off  of  fully  amortized        assets   Foreign  currency        translation  loss      1,763    (135)    2,762    (53)    258    (1)    908    (7)    5,691    (196)    (248)    (36)    -­    (324)    (608)    2,365   $                    11,872   $                  18,046   $                    421   $                          13,155   $              43,494    1,106    562    671    26    2,059    (1,069)    1,465    (247)    (32)    (188)    36    -­    -­    3,166    (197)    6,726    (1,513)    (216)    (436)    (355)    (589)    (65)    (274)    (1,283)     DECEMBER  31,  2016   $                    12,475   $                  18,487   $                    392   $                          15,634   $              46,988   A-29 29                                                                                                                                                                                       IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   AS  AT  DECEMBER  31,  2015   LEVEL  1   LEVEL  2   LEVEL  3   $                          7,968   $                                    -­   $                                    -­    5,248    -­    -­    (727)    -­    -­   $                      13,216   $                        (727)   $                                    -­     Cash       Restricted  cash     Deferred  share  plan  liability(1)   NOTE  7:  PROPERTY  AND  EQUIPMENT   (a)  CARRYING  AMOUNT   December  31,  2015:   The   following   table   presents   the   Company’s   property   and   equipment   as   at   December   31,   2016   and   OFFICE   FURNITURE   AND   COMPUTER   EQUIPMENT   EQUIPMENT   VEHICLES   LEASEHOLDS   TOTAL   January  1,  2015   $                        9,821   $                  14,267   $                    138   $                          12,016   $              36,242    1,763    (135)    2,762    (53)    258    (1)    908    (7)    5,691    (196)     COST     Additions     Disposals   Write  off  of  fully  amortized        assets   Foreign  currency        translation  gain       December  31,  2015   $                    11,872   $                  18,046   $                    421   $                          13,155   $              43,494    671    1,106    26    562    2,365     Additions     Disposals    2,059    (1,069)    1,465    (247)    3,166    (197)    6,726    (1,513)   Write  off  of  fully  amortized        assets   Foreign  currency        translation  loss      (32)    (188)    (216)    (436)    (355)    (589)    (65)    (274)    (1,283)    36    -­    -­     DECEMBER  31,  2016   $                    12,475   $                  18,487   $                    392   $                          15,634   $              46,988   OFFICE   FURNITURE   AND   EQUIPMENT   COMPUTER   EQUIPMENT   VEHICLES   LEASEHOLDS   TOTAL   ACCUMULATED     DEPRECIATION   January  1,  2015   Depreciation  from        continuing  operations   Write  off  of  fully  amortized        assets     Disposals   Foreign  currency        translation  loss   $                        5,434   $                  12,256   $                      99   $                            5,673   $              23,462    1,277    1,780    57    910    4,024    (248)    (84)    (36)    (30)    -­    -­    (324)    (4)    (608)    (118)    477    944    14    376    1,811     December  31,  2015   $                        6,856   $                  14,914   $                  170   $                            6,631   $              28,571   Depreciation  from        continuing  operations   Write  off  of  fully        amortized  assets     Disposals   Foreign  currency        translation  gain      1,211    1,962    72    1,078    4,323    (32)    (130)    (188)    (54)    -­    -­    (216)    (131)    (436)    (315)    (290)    (449)    (27)    (161)    (927)    (248)    (36)    -­    (324)    (608)     DECEMBER  31,  2016   $                        7,615   $                  16,185   $                  215   $                            7,201   $              31,216     NET  CARRYING  AMOUNT     DECEMBER  31,  2015     DECEMBER  31,  2016   $                        5,016   $                      3,132   $                    251   $                            6,524   $              14,923   $                        4,860   $                      2,302   $                    177   $                            8,433   $              15,772   29   30   T R O P E R L A U N N A 6 1 0 2 P U O R G I B I A-30                                                                                                                                                                                                                                                                                                                                                                     IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   NOTE  8:  INTANGIBLE  ASSETS  AND  GOODWILL   (a)  CARRYING  AMOUNT   The  following  table  presents  the  Company’s  goodwill  and  intangible  assets  as  at  December  31,  2016   and  December  31,  2015:   ERP  SYSTEM   CLIENT   RELATIONSHIPS   OTHER   TOTAL     COST   Balance  at  January  1,  2015   Fully  amortized  assets   Additions   Foreign  exchange        translation  gain       December  31,  2015   Fully  amortized  assets   Additions   Foreign  exchange        translation  loss     $                    1,115    -­    1,650    -­   $                    2,765    -­    1,757   $                                    4,551   $            1,857   $                7,523    (1,272)    1,650    (1,272)    -­    -­    -­    817    246    1,063   $                                    5,368   $                  831   $                8,964    -­    2,070    -­    313    -­    -­    -­    (332)    (26)    (358)     DECEMBER  31,  2016   $                    4,522   $                                    5,036   $            1,118   $            10,676   ACCUMULATED   AMORTIZATION  AND   IMPAIRMENT   Balance  at  January  1,  2015   Fully  amortized  assets   Amortization   Foreign  exchange        translation  loss       December  31,  2015   Fully  amortized  assets   Amortization   Foreign  exchange        translation  gain     ERP  SYSTEM   CLIENT   RELATIONSHIPS   OTHER   TOTAL   $                                -­   $                                        669   $            1,537   $                2,206    -­    -­    -­    592    (1,272)    192    (1,272)    784    -­   $                                -­    -­    227    -­    355   $                                  1,416   $                  657   $                2,073    155    200    -­    600    -­    175    -­    1,002    (53)    (18)    (71)     DECEMBER  31,  2016   $                          227   $                                  1,963   $                  814   $                3,004     NET  CARRYING  AMOUNT     DECEMBER  31,  2015     DECEMBER  31,  2016   $                    2,765   $                    4,295   $                                    3,952   $                  174   $                6,891   $                                    3,073   $                  304   $                7,672   A-31 31                                                                                                                                                                                                                         IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   NOTE  8:  INTANGIBLE  ASSETS  AND  GOODWILL   NOTE  9:  INCOME  TAXES   The  major  components  of  income  tax  expense  include  the  following:   The  following  table  presents  the  Company’s  goodwill  and  intangible  assets  as  at  December  31,  2016   ERP  SYSTEM   RELATIONSHIPS   OTHER   TOTAL   CLIENT     CURRENT  TAX  EXPENSE  /  (RECOVERY)     Current  period     Provision  to  file  /  Witholding  taxes   Balance  at  January  1,  2015   $                    1,115   $                                    4,551   $            1,857   $                7,523     DEFERRED  TAX  EXPENSE  /  (RECOVERY)     Origination  and  reversal  of  temporary  differences     Change  in  tax  rates     Adjustment  for  prior  periods     Change  in  unrecognized  deductible  temporary  differences   YEAR  ENDED   DECEMBER  31,   2016   2015   $                      2,904   $                            478    (97)    4    2,908    381    (3,037)    64    (54)    (2,374)    4,579    126    69    (981)    (5,401)    3,793     TOTAL  TAX  EXPENSE     $                    (2,493)  $                      4,174   T R O P E R L A U N N A 6 1 0 2 P U O R G I B I A-32 32   (a)  CARRYING  AMOUNT   and  December  31,  2015:     COST   Fully  amortized  assets   Additions   Foreign  exchange        translation  gain     Fully  amortized  assets   Additions   Foreign  exchange        translation  loss     ACCUMULATED   AMORTIZATION  AND   IMPAIRMENT   Fully  amortized  assets   Amortization   Foreign  exchange        translation  loss     Fully  amortized  assets   Amortization   Foreign  exchange        translation  gain       December  31,  2015   $                    2,765   $                                    5,368   $                  831   $                8,964     DECEMBER  31,  2016   $                    4,522   $                                    5,036   $            1,118   $            10,676   ERP  SYSTEM   RELATIONSHIPS   OTHER   TOTAL   CLIENT   Balance  at  January  1,  2015   $                                -­   $                                        669   $            1,537   $                2,206     December  31,  2015   $                                -­   $                                  1,416   $                  657   $                2,073    -­    -­    -­    -­    (1,272)    -­    (1,272)    1,650    817    246    1,063    -­    313    -­    2,070    (332)    (26)    (358)    -­    592    155    -­    600    (1,272)    (1,272)    192    200    -­    175    784    355    -­    1,002    (53)    (18)    (71)     DECEMBER  31,  2016   $                          227   $                                  1,963   $                  814   $                3,004     NET  CARRYING  AMOUNT     DECEMBER  31,  2015     DECEMBER  31,  2016   $                    2,765   $                                    3,952   $                  174   $                6,891   $                    4,295   $                                    3,073   $                  304   $                7,672    -­    1,650    -­    -­    -­    1,757    -­    -­    -­    -­    227    -­   31                                                                                                                                                                                                                                                                                                             IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   The   provision   for   income   taxes   in   the   consolidated   statement   of   comprehensive   income   (loss)   represents  an  effective  tax  rate  different  than  the  Canadian  enacted  or  substantively  enacted  statutory   rate  of  approximately  26.5%  (December  31,  2015  –  26.5%).  The  differences  are  as  follows:   YEAR  ENDED   DECEMBER  31,   2016   2015     Net  income  from  continuing  operations     Total  tax  expense   $                      3,494   $                  11,336    4,174    (2,493)     Net  income  before  tax  from  continuing  operations   $                      1,001   $                  15,510   Income  tax  using  the  Company's  domestic  tax  rate   $                            265   $                      4,110   Income  tax  effect  of:   Non-­deductible  expenses   Change  in  deferred  tax  rates   Operating  in  jurisdictions  with  different  tax  rates   Change  in  unrecognized  temporary  differences   Prior  period  adjustments  to  current  tax   Prior  period  adjustments  to  deferred  tax   Withholding  taxes     Recognition  of  previously  unrecognized  deferred  tax  asset   Benefit  retained  on  discontinued  operations   Other    1,113    64    1,082    (2,374)    (14)    (54)    139    (2,972)    -­   258    780    126    380    (981)    (97)    69    253    -­    (374)    (92)   INCOME  TAX  EXPENSE   $                    (2,493)  $                      4,174   The  applicable  tax  rate  is  the  aggregate  of  the  Canadian  Federal  income  tax  rate  of  15%  (2015  –  15%)   and  the  Provincial  income  tax  rate  of  11.5%  (2015  –  11.5%).   UNRECOGNIZED  DEFERRED  TAX  LIABILITIES   As  at  December  31,  2016,  the  Company  has  approximately  $16,089  (December  31,  2015  -­  $14,904)  of   temporary  differences  associated  with  its  investments  in  foreign  subsidiaries  for  which  no  deferred  taxes   have  been  provided  on  the  basis  that  the  company  is  able  to  control  the  timing  of  the  reversal  of  such   temporary  differences  and  that  such  reversal  is  not  probable  in  the  foreseeable  future.   UNRECOGNIZED  DEFERRED  TAX  ASSETS   Deferred  tax  assets  have  not  been  recognized  in  respect  of  the  following  gross  temporary  differences:     Deductible  temporary  differences     Tax  losses  –  Federal     Tax  losses  –  State     A-33 33   YEAR  ENDED   DECEMBER  31,   2016   2015   $                      6,658   $                  12,531    25,038    43,867    3,293    35,707   $                  45,658   $                  81,436                                                                                                                                                                   IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   The  tax  effected  amount  of  unrecognized  gross  temporary  differences  is  as  follows:     YEAR  ENDED   DECEMBER  31,   2016   2015     Deductible  temporary  differences     Tax  losses  –  Federal     Tax  losses  –  State     YEAR  ENDED   DECEMBER  31,   2016   2015   $                      2,525   $                      4,647    8,870    2,851    1,107    1,571   $                      5,203   $                  16,368   Deferred  tax  assets  are  recognized  for  operating  loss  carry  forwards  to  the  extent  that  the  realization  of   the   related   tax   benefit   through   future   taxable   profits   is   probable.   As   at   December   31,   2016,   the   Company’s   affiliated   entities   have   $45,292   (December   31,   2015   -­   $27,858)   of   operating   loss   carry   forwards  available  for  income  tax  purposes,  which  expire  in  the  years  2017  through  2036.  The  ability  of   the   Company   to   realize   the   tax   benefits   of   the   loss   carry   forwards   is   contingent   on   many   factors,   including  the  ability  to  generate  future  taxable  profits  in  the  jurisdictions  in  which  the  tax  losses  arose.     The   Company   regularly   assesses   the   status   of   open   tax   examinations   and   its   historical   tax   filing   positions  for  the  potential  for  adverse  outcomes  to  determine  the  adequacy  of  the  provision  for  income   and  other  taxes.  The  Company  believes  that  it  has  adequately  provided  for  any  tax  adjustments  that  are   more  likely  than  not  to  occur  as  a  result  of  ongoing  tax  examinations  or  historical  filing  positions.   The  tax  effect  of  temporary  differences  between  the  financial  statement  carrying  amounts  of  assets  and   liabilities  and  their  respective  tax  bases  that  give  rise  to  significant  portions  of  the  deferred  tax  assets  at   December  31,  2016  and  December  31,  2015  are  presented  below:   INCOME  TAX  EXPENSE   $                    (2,493)  $                      4,174   RECOGNIZED  DEFERRED  TAX  ASSETS  AND  LIABILITIES   The  applicable  tax  rate  is  the  aggregate  of  the  Canadian  Federal  income  tax  rate  of  15%  (2015  –  15%)   Deferred  tax  assets  and  liabilities  are  attributable  to  the  following:   YEAR  ENDED  DECEMBER  31,  2016   TOTAL   LIABILITIES   ASSETS   The   provision   for   income   taxes   in   the   consolidated   statement   of   comprehensive   income   (loss)   represents  an  effective  tax  rate  different  than  the  Canadian  enacted  or  substantively  enacted  statutory   rate  of  approximately  26.5%  (December  31,  2015  –  26.5%).  The  differences  are  as  follows:     Net  income  from  continuing  operations     Total  tax  expense   $                      3,494   $                  11,336    (2,493)    4,174     Net  income  before  tax  from  continuing  operations   $                      1,001   $                  15,510   Income  tax  using  the  Company's  domestic  tax  rate   $                            265   $                      4,110   Income  tax  effect  of:   Non-­deductible  expenses   Change  in  deferred  tax  rates   Operating  in  jurisdictions  with  different  tax  rates   Change  in  unrecognized  temporary  differences   Prior  period  adjustments  to  current  tax   Prior  period  adjustments  to  deferred  tax   Withholding  taxes     Recognition  of  previously  unrecognized  deferred  tax  asset   Benefit  retained  on  discontinued  operations   Other    1,113    64    1,082    (2,374)    (14)    (54)    139    (2,972)    -­   258    780    126    380    (981)    (97)    69    253    -­    (374)    (92)   and  the  Provincial  income  tax  rate  of  11.5%  (2015  –  11.5%).   UNRECOGNIZED  DEFERRED  TAX  LIABILITIES   As  at  December  31,  2016,  the  Company  has  approximately  $16,089  (December  31,  2015  -­  $14,904)  of   temporary  differences  associated  with  its  investments  in  foreign  subsidiaries  for  which  no  deferred  taxes   have  been  provided  on  the  basis  that  the  company  is  able  to  control  the  timing  of  the  reversal  of  such   temporary  differences  and  that  such  reversal  is  not  probable  in  the  foreseeable  future.   UNRECOGNIZED  DEFERRED  TAX  ASSETS   Deferred  tax  assets  have  not  been  recognized  in  respect  of  the  following  gross  temporary  differences:     Deductible  temporary  differences     Tax  losses  –  Federal     Tax  losses  –  State     YEAR  ENDED   DECEMBER  31,   2016   2015   $                      6,658   $                  12,531    3,293    35,707    25,038    43,867   $                  45,658   $                  81,436   33   34   $                  16,421   $                    (4,176)  $                  12,245   T R O P E R L A U N N A 6 1 0 2 P U O R G I B I A-34 $                      1,128   $                          (552)  $                            576    11,156    (2,962)    302    3,115    58     Property  and  equipment     Non-­capital  loss     Reserves     Financing  costs   Intangible  assets     Other    -­    (3,518)    -­    (94)    (12)    11,156    556    302    3,209    70                                                                                                                                                                                                                                                                                 IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   YEAR  ENDED  DECEMBER  31,  2015   TOTAL   LIABILITIES   ASSETS     Property  and  equipment     Non-­capital  loss     Reserves     Financing  costs   Intangible  assets     Other   $                      1,496   $                              (11)  $                      1,485    6,395    (4,487)    386    3,287    (42)    -­    (6,371)    -­    (170)    (108)    6,395    1,884    386    3,457    66   $                  13,684   $                    (6,660)  $                      7,024   NOTE  10:  RELATED  PARTY  TRANSACTIONS   Pursuant  to  the  Administration  Agreement,  IBI  Group  and  certain  of  its  subsidiaries  are  paying  to  the   Management   Partnership   an   amount   representing   the   base   compensation   for   the   services   of   the   partners   of   the   Management   Partnership.   The   amount   paid   for   such   services   during   the   year   ended   December  31,  2016  was  $23,720  (2015  -­  $24,145).  As  at  December  31,  2016,  the  Company  advanced   $298  to  the  Management  Partnership  for  payment  of  future  compensation  for  the  services  of  the  partners   (December  31,  2015  –  $1,036).  As  at  December  31,  2016,  there  were  87  partners  (December  31,  2015   –  91  partners).     IBI  Group  from  time  to  time  makes  a  monthly  distribution  to  each  Class  B  partnership  unit  holder  equal   to  the  dividend  per  share  (on  a  pre-­tax  basis)  declared  to  each  shareholder.  All  of  the  Class  B  partnership   units   are   held   by   the   Management   Partnership.   As   at   December   31,   2016   and   2015,   the   amount   of   distributions  payable  to  the  Management  Partnership  were  nil.     As  noted  in  Note  18  –  Share  Based  Compensation,  during  the  year  the  Company  issued  stock  options   to  management  under  the  terms  of  the  Company’s  stock  option  plan.     COMPENSATION  OF  KEY  MANAGEMENT  PERSONNEL   The  Company’s  key  management  personnel  are  comprised  of  members  of  the  executive  team,  to  the   extent  that  they  have  the  authority  and  responsibility  for  planning,  directing  and  controlling  the  day-­to-­ day  activities  of  the  Company.  The  Company  also  provides  compensation  to  the  members  of  the  Board   of  Directors.     Directors  fees,  salaries  and  other  short-­term  employee  benefits         Share–based  compensation     $                      3,076   $                      2,712    405    840     Total  compensation     $                      3,916   $                      3,117   YEAR  ENDED   DECEMBER  31,   2016   2015   A-35 35                                                                                                                     IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS     Property  and  equipment   $                      1,496   $                              (11)  $                      1,485     Non-­capital  loss     Reserves     Financing  costs   Intangible  assets     Other   YEAR  ENDED  DECEMBER  31,  2015   ASSETS   LIABILITIES   TOTAL    6,395    1,884    386    3,457    66    (6,371)    -­    -­    (170)    (108)    6,395    (4,487)    386    3,287    (42)   $                  13,684   $                    (6,660)  $                      7,024   NOTE  10:  RELATED  PARTY  TRANSACTIONS   Pursuant  to  the  Administration  Agreement,  IBI  Group  and  certain  of  its  subsidiaries  are  paying  to  the   Management   Partnership   an   amount   representing   the   base   compensation   for   the   services   of   the   partners   of   the   Management   Partnership.   The   amount   paid   for   such   services   during   the   year   ended   December  31,  2016  was  $23,720  (2015  -­  $24,145).  As  at  December  31,  2016,  the  Company  advanced   $298  to  the  Management  Partnership  for  payment  of  future  compensation  for  the  services  of  the  partners   (December  31,  2015  –  $1,036).  As  at  December  31,  2016,  there  were  87  partners  (December  31,  2015   –  91  partners).     IBI  Group  from  time  to  time  makes  a  monthly  distribution  to  each  Class  B  partnership  unit  holder  equal   to  the  dividend  per  share  (on  a  pre-­tax  basis)  declared  to  each  shareholder.  All  of  the  Class  B  partnership   units   are   held   by   the   Management   Partnership.   As   at   December   31,   2016   and   2015,   the   amount   of   distributions  payable  to  the  Management  Partnership  were  nil.     As  noted  in  Note  18  –  Share  Based  Compensation,  during  the  year  the  Company  issued  stock  options   to  management  under  the  terms  of  the  Company’s  stock  option  plan.     COMPENSATION  OF  KEY  MANAGEMENT  PERSONNEL   The  Company’s  key  management  personnel  are  comprised  of  members  of  the  executive  team,  to  the   extent  that  they  have  the  authority  and  responsibility  for  planning,  directing  and  controlling  the  day-­to-­ day  activities  of  the  Company.  The  Company  also  provides  compensation  to  the  members  of  the  Board   of  Directors.     Directors  fees,  salaries  and  other  short-­term  employee  benefits       $                      3,076   $                      2,712     Share–based  compensation      840    405     Total  compensation     $                      3,916   $                      3,117   YEAR  ENDED   DECEMBER  31,   2016   2015   NOTE  11:  EQUITY   (a)  SHAREHOLDERS’  EQUITY   The  Company  is  authorized  to  issue  an  unlimited  number  of  common  shares.  As  at  December  31,  2016,   the   Company’s   common   share   capital   consisted   of   31,186,819   shares   issued   and   outstanding   (December  31,  2015  –  24,966,744  shares).       Each  share  entitles  the  holder  to  one  vote  at  all  meetings  of  shareholders.     The  6,282,222  Class  B  partnership  units  of  IBI  Group  are  indirectly  exchangeable  for  common  shares   of  the  Company  on  the  basis  of  one  share  of  the  Company  for  each  Class  B  subordinated  partnership   unit.  If  all  such  Class  B  partnership  units  of  IBI  Group  had  been  exchanged  for  shares  on  December  31,   2016,  the  units  issued  on  such  exchange  would  have  represented  a  16.8%  interest  in  the  Company.       Class   B   partnership   units   do   not   entitle   the   holder   to   voting   rights   at   the   meetings   of   shareholders,   although  the  holder  also  holds  an  equal  number  of  non-­participating  voting  shares  in  the  Company.  The   Class  B  partnership  units  have  been  recorded  as  a  non-­controlling  interest  in  the  consolidated  financial   statements  as  at  December  31,  2016  and  2015.     SHARE  ISSUANCES     2016   •   During  the  year  ended  December  31,  2016,  the  Company  issued  6,220,076  common  shares   upon  redemption  of  7.0%  Debentures  Options  B  and  C  valued  at  $31,245.     2015   •   During  the  year  ended  December  31,  2015,  the  Company  issued  3,487,071  common  shares   for  cash  proceeds  of  $5,579  and  incurred  transaction  costs  of  $113.     •   During  the  year  ended  December  31,  2015,  the  Company  issued  3,671,189  common  shares   for  proceeds  of  $7,985  in  exchange  for  promissory  notes  which  were  used  to  pay  down  the   Management  Partnership  loan  and  incurred  transaction  costs  of  $125.     •   During  the  year  ended  December  31,  2015,  the  Company  issued  1,256,444  Class  B   partnership  units  for  proceeds  of  $2,010  in  exchange  for  a  promissory  note  which  was  used  to   pay  down  the  Management  Partnership  loan  and  incurred  transaction  costs  of  $41.     DIVIDENDS   There   were   no   dividends   declared   during   the   years   ended   December   31,   2016   and   2015.   The   Company  suspended  its  dividend  on  May  24,  2013  and  no  dividends  have  been  declared  after  February   2013.     35   36   T R O P E R L A U N N A 6 1 0 2 P U O R G I B I A-36                                                                                                                         IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   EARNINGS  (LOSS)  PER  SHARE  FROM  CONTINUING  AND  DISCONTINUED  OPERATIONS   YEAR  ENDED   DECEMBER  31,   2016   2015     Net  income   $    3,494   $    9,463   Net  income    from  continuing  operations  attributable  to        owners  of  the  Company   Net  loss  from  discontinued  operations  attributable  to        owners  of  the  Company    2,814    8,842    -­      (1,461)     Net  income  attributable  to  owners  of  the  Company       $    2,814   $    7,381     Weighted  average  common  shares  outstanding     Dilutive  effect  of  Class  B  partnership  units     Dilutive  effect  of  stock  options  granted     Diluted  weighted  average  common  shares  outstanding    26,020      6,282      193      32,495       Basic  earnings  per  common  share       Diluted  earnings  per  common  share       Basic  earnings  per  share  from  continuing  operations     Diluted  earnings  per  share  from  continuing  operations     Basic  and  diluted  loss  per  common  share  from  discontinued   $   $   $   $   $    0.11   $    0.11   $    0.11   $    0.11   $    -­   $    17,985    5,074    -­    23,059    0.41    0.41    0.49    0.49    (0.08)   operations   For  the  purposes  of  calculating  diluted  earnings  (loss)  per  share,  any  impact  of  the  convertible  rights  on   the  convertible  debentures  are  not  included  in  the  calculation  of  net  loss  per  common  share  or  weighted   average  number  of  common  shares  outstanding  as  they  would  be  anti-­dilutive.     (b)  NON-­CONTROLLING  INTEREST   Non-­controlling  interest  in  the  Company’s  subsidiaries  is  exchangeable  into  the  common  shares  of  the   Company  on  a  one  for  one  basis,  subject  to  certain  conditions.  The  movement  in  non-­controlling  interest   is  shown  in  the  consolidated  statement  of  changes  in  equity.     The  calculation  of  net  loss  and  total  comprehensive  income  (loss)  attributable  to  non-­controlling  interest   is  set  out  below:   YEAR  ENDED   DECEMBER  31,   2016   2015     Net  income     Non-­controlling  interest  share  of  ownership(1)   $                      3,494   $                      9,463   22.00%   19.45%   Net  income  attributable  to        non-­controlling  interest   $                            680   $                      2,082   (1)   For  the  purposes  of  allocating  net  income  and  total  comprehensive  income  to  non-­controlling  interest,  the  average  share   of  non-­controlling  interest  for  the  year  ended  December  31,  2016  was  used.   A-37 37                                                                                                                                                                                 IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   EARNINGS  (LOSS)  PER  SHARE  FROM  CONTINUING  AND  DISCONTINUED  OPERATIONS   YEAR  ENDED   DECEMBER  31,   2016   2015    2,814    8,842    -­      (1,461)     Net  income   $    3,494   $    9,463   Net  income    from  continuing  operations  attributable  to        owners  of  the  Company   Net  loss  from  discontinued  operations  attributable  to        owners  of  the  Company     Net  income  attributable  to  owners  of  the  Company       $    2,814   $    7,381     Weighted  average  common  shares  outstanding     Dilutive  effect  of  Class  B  partnership  units     Dilutive  effect  of  stock  options  granted     Diluted  weighted  average  common  shares  outstanding     Basic  earnings  per  common  share       Diluted  earnings  per  common  share       Basic  earnings  per  share  from  continuing  operations     Diluted  earnings  per  share  from  continuing  operations     Basic  and  diluted  loss  per  common  share  from  discontinued   operations    26,020      6,282      193      32,495     $   $   $   $   $    0.11   $    0.11   $    0.11   $    0.11   $    -­   $    17,985    5,074    -­    23,059    0.41    0.41    0.49    0.49    (0.08)   For  the  purposes  of  calculating  diluted  earnings  (loss)  per  share,  any  impact  of  the  convertible  rights  on   the  convertible  debentures  are  not  included  in  the  calculation  of  net  loss  per  common  share  or  weighted   average  number  of  common  shares  outstanding  as  they  would  be  anti-­dilutive.     (b)  NON-­CONTROLLING  INTEREST   Non-­controlling  interest  in  the  Company’s  subsidiaries  is  exchangeable  into  the  common  shares  of  the   Company  on  a  one  for  one  basis,  subject  to  certain  conditions.  The  movement  in  non-­controlling  interest   is  shown  in  the  consolidated  statement  of  changes  in  equity.     The  calculation  of  net  loss  and  total  comprehensive  income  (loss)  attributable  to  non-­controlling  interest   is  set  out  below:   YEAR  ENDED   DECEMBER  31,   2016   2015     Net  income     Non-­controlling  interest  share  of  ownership(1)   $                      3,494   $                      9,463   19.45%   22.00%   Net  income  attributable  to        non-­controlling  interest   $                            680   $                      2,082   (1)   For  the  purposes  of  allocating  net  income  and  total  comprehensive  income  to  non-­controlling  interest,  the  average  share   of  non-­controlling  interest  for  the  year  ended  December  31,  2016  was  used.   YEAR  ENDED   DECEMBER  31,   2016   2015     Total  comprehensive  income     Non-­controlling  interest  share  of  ownership(1)   $                      3,389   $                      8,409   22.00%   19.45%   Total  comprehensive  income  attributable        to  non-­controlling  interest   $                            659   $                      1,850   (1)   For  the  purposes  of  allocating  net  income  and  total  comprehensive  income  to  non-­controlling  interest,  the  average  share   of  non-­controlling  interest  for  the  year  ended  December  31,  2016  was  used.   NOTE  12:  FINANCIAL  RISK  MANAGEMENT   The   Company   has   exposure   to   market,   credit   and   liquidity   risk.   The   Company’s   primary   risk   management   objective   is   to   protect   the   Company’s   consolidated   statement   of   financial   position,   comprehensive   income   (loss)   and   cash   flow   in   support   of   sustainable   growth   and   earnings.   The   Company’s   financial   risk   management   activities   are   governed   by   financial   policies   that   cover   risk   identification,  tolerance,  measurement,  authorization  levels,  and  reporting.   (a)  MARKET  RISK   INTEREST  RATE  RISK     The  Company’s  credit  facilities  have  floating-­rate  debt,  which  subjects  it  to  interest  rate  cash  flow  risk.   Advances  under  these  credit  facilities  bear  interest  at  a  rate  based  on  the  Canadian  dollar  or  US  dollar   prime  rate,  LIBOR  or  banker’s  acceptance  rates,  plus,  in  each  case,  an  applicable  margin.   If  the  interest  rate  on  the  Company’s  variable  rate  loan  balance  as  at  December  31,  2016,  had  been  50   basis   points   higher   or   lower,   with   all   other   variables   held   constant,   net   income   for   the   year   ended   December  31,  2016  would  have  decreased  or  increased  by  approximately  $275.   CURRENCY  RISK     The  Company’s  foreign  exchange  risk  is  the  risk  that  the  fair  value  of  the  future  cash  flows  of  a  financial   instrument  will  fluctuate  as  a  result  of  changes  in  foreign  exchange  rates.  The  Company’s  policy  has   been  to  economically  hedge  foreign  exchange  exposures  rather  than  purchasing  currency  swaps  and   forward  foreign  exchange  contracts.     Foreign   exchange   gains   or   losses   in   the   Company’s   net   income   arise   on   the   translation   of   foreign-­ denominated  intercompany  loans  held  in  the  Company’s  Canadian  operations  and  financial  assets  and   liabilities   held   in   the   Company’s   foreign   operations.   The   Company   minimizes   its   exposure   to   foreign   exchange  fluctuations  on  these  items  by  matching  US-­dollar  liabilities  when  possible.   If   the   exchange   rates   had   been   100   basis   points   higher   or   lower   during   the   year   ended   and   as   at   December   31,   2016,   with   all   other   variables   held   constant,   total   comprehensive   income   would   have   increased  or  decreased  by  $274  for  the  year  ended  December  31,  2016.  If  the  exchange  rates  had  been   100  basis  points  higher  or  lower  during  the  year  ended  December  31,  2016,  with  all  other  variables  held   constant,  net  income  would  have  increased  or  decreased  by  $137  for  the  year  ended  December  31,   2016.   37   38   T R O P E R L A U N N A 6 1 0 2 P U O R G I B I A-38                                                                                                                                                                                                                                     IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   (b)  CREDIT  RISK   Financial  instruments  that  subject  the  Company  to  credit  risk  consist  primarily  of  accounts  receivable.   The  Company  maintains  an  allowance  for  estimated  credit  losses  on  accounts  receivable.  The  estimate   is  based  on  the  best  assessment  of  the  ultimate  collection  of  the  related  accounts  receivable  balance   based,  in  part,  on  the  age  of  the  outstanding  accounts  receivable  and  on  its  historical  impairment  loss   experience.   The  Company  provides  services  to  diverse  clients  in  various  industries  and  sectors  of  the  economy,  and   its  credit  risk  is  not  concentrated  in  any  particular  client,  industry,  economic  or  geographic  sector.    In   addition,  management  reviews  accounts  receivable  past  due  on  an  ongoing  basis  with  the  objective  of   identifying  matters  that  could  potentially  delay  the  collection  of  funds  (at  an  early  stage).  The  Company   monitors  accounts  receivable  with  an  internal  target  of  working  days  of  revenue  in  accounts  receivable   (a   non-­IFRS   measure).   At   December   31,   2016   there   were   60   working   days   of   revenue   in   accounts   receivable,  compared  to  62  days  at  December  31,  2015.  The  maximum  exposure  to  credit  risk,  at  the   date   of   the   consolidated   statement   of   financial   position   to   recognized   financial   assets   is   the   carrying   amount,  net  of  any  provisions  for  impairment  of  those  assets,  as  disclosed  in  the  consolidated  statement   of  financial  position.   A   significant   portion   of   the   accounts   receivable   are   due   from   government   and   public   institutions.     Receivables   that   are   neither   past   due   nor   impaired   are   considered   by   management   to   have   no   significant  collection  risk.  The  liquidity  of  customers  and  their  ability  to  pay  receivables  are  considered   in  assessing  the  impairment  of  such  assets.  No  collateral  is  held  in  respect  of  impaired  assets  or  assets   that  are  past  due  but  not  impaired.       The  aging  of  the  accounts  receivable  are  detailed  below  with  the  entire  allowance  for  impairment  losses   relating  to  accounts  receivable  over  90  days:     Current   30  to  90  days     Over  90  days     Allowance  for  impairment  losses       TOTAL   (c)  LIQUIDITY  RISK   AS  AT   DECEMBER  31,   DECEMBER  31,   2016   2015   $                                46,057   $                                44,283    30,614    46,185    (9,311)    29,315    43,097    (9,876)   $                            108,593   $                            111,771   The  Company  strives  to  maintain  sufficient  financial  liquidity  to  withstand  sudden  adverse  changes  in   economic  circumstances.  Management  forecasts  cash  flows  for  its  current  and  subsequent  fiscal  years   to  identify  financing  requirements.  These  requirements  are  then  addressed  through  a  combination  of   committed   credit   facilities   (as   described   in   Note   6   –   Financial   Instruments)   and   access   to   capital   markets.     On   October   5,   2015,   IBI   Group   signed   an   amendment   to   refinance   its   credit   facilities   with   its   senior   lenders  (refer  to  Note  6  –  Financial  Instruments).   As  at  December  31,  2016,  a  foreign  subsidiary  of  the  Company  had  issued  letters  of  credit  in  the  amount   of  US  $2,300.  The  Company  has  pledged  US  $2,300  (December  31,  2015  -­  $2,300)  of  cash  as  security   for  these  letters  of  credit  issued  by  a  foreign  financial  institution  on  behalf  of  the  foreign  subsidiary.     A-39 39                                                         IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   (b)  CREDIT  RISK   The  Company  has  the  following  contractual  obligations  as  at  December  31,  2016:     2017   2022  AND   BEYOND   2020  AND   2021    -­    3,874    -­   CARRYING   AMOUNT    74,737    1,937    14,755    73,184    -­    43,876    -­    -­    46,000   YEARS  ENDED  DECEMBER  31   2018  AND   2019    -­    104    3,563    37    6,609    67    5,060    -­    -­    -­   Accounts  payable  and        accrued  liabilities     Credit  facilities   Interest  on  credit  facilities     Convertible  debentures   Interest  on  convertible        debentures     Finance  lease  obligation   $                  55,505  $              55,505   $                                -­   $                                -­   $                                -­    -­    -­    -­   Financial  instruments  that  subject  the  Company  to  credit  risk  consist  primarily  of  accounts  receivable.   The  Company  maintains  an  allowance  for  estimated  credit  losses  on  accounts  receivable.  The  estimate   is  based  on  the  best  assessment  of  the  ultimate  collection  of  the  related  accounts  receivable  balance   based,  in  part,  on  the  age  of  the  outstanding  accounts  receivable  and  on  its  historical  impairment  loss   experience.   The  Company  provides  services  to  diverse  clients  in  various  industries  and  sectors  of  the  economy,  and   its  credit  risk  is  not  concentrated  in  any  particular  client,  industry,  economic  or  geographic  sector.    In   addition,  management  reviews  accounts  receivable  past  due  on  an  ongoing  basis  with  the  objective  of   identifying  matters  that  could  potentially  delay  the  collection  of  funds  (at  an  early  stage).  The  Company   monitors  accounts  receivable  with  an  internal  target  of  working  days  of  revenue  in  accounts  receivable   (a   non-­IFRS   measure).   At   December   31,   2016   there   were   60   working   days   of   revenue   in   accounts   receivable,  compared  to  62  days  at  December  31,  2015.  The  maximum  exposure  to  credit  risk,  at  the   date   of   the   consolidated   statement   of   financial   position   to   recognized   financial   assets   is   the   carrying   of  financial  position.   Receivables   that   are   neither   past   due   nor   impaired   are   considered   by   management   to   have   no   significant  collection  risk.  The  liquidity  of  customers  and  their  ability  to  pay  receivables  are  considered   in  assessing  the  impairment  of  such  assets.  No  collateral  is  held  in  respect  of  impaired  assets  or  assets   that  are  past  due  but  not  impaired.       The  aging  of  the  accounts  receivable  are  detailed  below  with  the  entire  allowance  for  impairment  losses   relating  to  accounts  receivable  over  90  days:     Allowance  for  impairment  losses       Current   30  to  90  days     Over  90  days     TOTAL   (c)  LIQUIDITY  RISK   AS  AT   DECEMBER  31,   DECEMBER  31,   2016   2015   $                                46,057   $                                44,283    29,315    43,097    (9,876)    30,614    46,185    (9,311)   $                            108,593   $                            111,771   The  Company  strives  to  maintain  sufficient  financial  liquidity  to  withstand  sudden  adverse  changes  in   economic  circumstances.  Management  forecasts  cash  flows  for  its  current  and  subsequent  fiscal  years   to  identify  financing  requirements.  These  requirements  are  then  addressed  through  a  combination  of   committed   credit   facilities   (as   described   in   Note   6   –   Financial   Instruments)   and   access   to   capital   markets.     On   October   5,   2015,   IBI   Group   signed   an   amendment   to   refinance   its   credit   facilities   with   its   senior   lenders  (refer  to  Note  6  –  Financial  Instruments).   As  at  December  31,  2016,  a  foreign  subsidiary  of  the  Company  had  issued  letters  of  credit  in  the  amount   of  US  $2,300.  The  Company  has  pledged  US  $2,300  (December  31,  2015  -­  $2,300)  of  cash  as  security   for  these  letters  of  credit  issued  by  a  foreign  financial  institution  on  behalf  of  the  foreign  subsidiary.     amount,  net  of  any  provisions  for  impairment  of  those  assets,  as  disclosed  in  the  consolidated  statement     Total  obligations   $              172,669  $              62,979  $              98,105  $              51,060   $                                -­   A   significant   portion   of   the   accounts   receivable   are   due   from   government   and   public   institutions.     (d)  CAPITAL  MANAGEMENT   The   Company’s   objective   in   managing   capital   is   to   maintain   a   strong   capital   base   so   as   to   maintain   investor,  creditor,  and  market  confidence  and  to  sustain  future  growth  within  the  business.  The  Company   defines  its  capital  as  the  aggregate  of  credit  facilities,  convertible  debentures  and  equity.   The  Company’s  financing  strategy  is  to  access  capital  markets  to  raise  debt  and  equity  financing  and   utilize  the  banking  market  to  provide  committed  term  and  operating  credit  facilities  to  support  its  short-­ term  and  long-­term  cash  flow  needs.   The  Company  has  used  the  credit  facilities  to  fund  working  capital.  The  credit  facilities  contain  financial   covenants   including   a   leverage   ratio,   interest   coverage   ratio,   minimum   Adjusted   EBITDA1   threshold,   and  restrictions  on  distributions,  if  certain  conditions  are  not  met.  The  Company  was  in  compliance  with   all  financial  covenants  as  at  December  31,  2016.   As   disclosed   in   Note   6   –   Financial   Instruments,   on   September   30,   2016,   the   Company   issued   5.5%   Debentures  at  principal  of  $46,000.   As   disclosed   in   Note   6   –   Financial   Instruments,   on   October   24,   2016   and   December   30,   2016,   the   Company  redeemed  its  6.0%  Debentures  at  principal  of  $57,500.   As  disclosed  in  Note  6  –  Financial  Instruments,  on  October  31,  2016,  the  Company  redeemed  its  7%   Debentures  Options  B  and  C.   (e)  FAIR  VALUE  MEASUREMENTS   The  fair  values  of  cash,  restricted  cash,  accounts  receivable,  accounts  payable  and  accrued  liabilities,   vendor   notes   payable,   consent   fee   notes   payable   and   finance   lease   obligation   approximate   their   carrying  amounts  due  to  their  short-­term  maturity.     1  As  defined  in  the  credit  facilities  agreement,  references  to  “Adjusted  EBITDA”  is  to  earnings  before  interest,  income  taxes,  depreciation  and     amortization;;  adjusted  for  gain/loss  arising  from  extraordinary,  unusual  or  non-­recurring  items;;  acquisition  costs  and  deferred  consideration  revenue;;   non-­cash  expenses;;  gain/loss  realized  upon  the  disposal  of  capital  property;;  gain/loss  on  foreign  exchange  translation;;  gain/loss  on  purchase  or   redemption  of  securities  issued;;  gain/loss  on  fair  valuation  of  financial  instruments;;  amounts  attributable  to  minority  equity  investments;;  and  interest   income.  Adjusted  EBITDA  is  not  a  recognized  measure  under  IFRS  and  does  not  have  a  standardized  meaning  prescribed  by  IFRS,  and  the   Company’s  method  of  calculating  Adjusted  EBITDA  may  differ  from  the  methods  used  by  other  similar  entities.   39   40   T R O P E R L A U N N A 6 1 0 2 P U O R G I B I A- 40                                                                                                                                                                                                                                                       IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   The  fair  value  of  the  Company’s  credit  facilities  (net  of  deferred  financing  costs)  approximate  carrying   value  due  to  the  variable  rate  of  interest  of  the  debt.   IFRS  7  Financial  Instruments  –  Disclosures,  requires  disclosure  of  all  financial  instruments  at  fair  value   other  than  short  term  and  carried  at  amortized  cost,  grouped  in  Levels  1  to  3,  in  the  fair  value  hierarchy,   based  on  the  degree  to  which  the  fair  value  is  observable.  The  three  levels  of  the  fair  value  hierarchy   are:   •   Level  1  –  inputs  derived  from  quoted  prices  (unadjusted)  in  active  markets  for  identical  assets  or   liabilities;;   •   Level  2  –  inputs  other  than  quoted  prices  included  within  Level  1  that  are  observable  for  the  asset   or  liability,  either  directly  (i.e.,  as  prices)  or  indirectly  (i.e.,  derived  from  prices);;  and   •   Level  3  –  fair  value  derived  from  valuation  techniques  that  include  inputs  for  the  asset  or  liability   that  are  not  based  on  observable  market  data  (unobservable  inputs).   For  financial  instruments  recognized  at  fair  value  on  a  recurring  basis,  the  Company  determines  whether   transfers   have   occurred   between   levels   in   the   hierarchy   by   reassessing   categorization   at   the   end   of   each   reporting   period.     There   were   no   transfers   between   Level   1   and   Level   2   for   the   years   ended   December  31,  2016  and  December  31,  2015.   NOTE  13:  CHANGE  IN  NON-­CASH  OPERATING  WORKING  CAPITAL     Accounts  receivable     Work  in  process     Prepaid  expenses  and  other  assets       Accounts  payable  and  accrued  liabilities     Deferred  revenue     Net  income  taxes  payable   YEAR  ENDED   DECEMBER  31,   2016   2015   $                    (1,825)  $                      3,538    10,473    (1,180)    (6,931)    8,873    (811)    (9,457)    (1,610)    2,383    13,036    1,637     Change  in  non-­cash  operating  working  capital   $                      4,164   $                  13,962   NOTE  14:  COMMITMENTS   Non-­cancellable   operating   leases   where   the   Company   is   the   lessee   are   payable   as   set   out   below.                 These   amounts   represent   the   minimum   annual   future   lease   payments   (excluding   common   area   maintenance   costs   and   property   taxes),   in   aggregate,   that   the   Company   is   required   to   make   under   existing  operating  lease  agreements.   2017   2018   2019   2020   2021     Thereafter   $                                    26,641    20,862    16,732    14,562    14,036    52,963   A- 41 41                                                                                                                           IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   The  fair  value  of  the  Company’s  credit  facilities  (net  of  deferred  financing  costs)  approximate  carrying   value  due  to  the  variable  rate  of  interest  of  the  debt.   IFRS  7  Financial  Instruments  –  Disclosures,  requires  disclosure  of  all  financial  instruments  at  fair  value   other  than  short  term  and  carried  at  amortized  cost,  grouped  in  Levels  1  to  3,  in  the  fair  value  hierarchy,   based  on  the  degree  to  which  the  fair  value  is  observable.  The  three  levels  of  the  fair  value  hierarchy   •   Level  1  –  inputs  derived  from  quoted  prices  (unadjusted)  in  active  markets  for  identical  assets  or   are:   liabilities;;   •   Level  2  –  inputs  other  than  quoted  prices  included  within  Level  1  that  are  observable  for  the  asset   or  liability,  either  directly  (i.e.,  as  prices)  or  indirectly  (i.e.,  derived  from  prices);;  and   •   Level  3  –  fair  value  derived  from  valuation  techniques  that  include  inputs  for  the  asset  or  liability   that  are  not  based  on  observable  market  data  (unobservable  inputs).   For  financial  instruments  recognized  at  fair  value  on  a  recurring  basis,  the  Company  determines  whether   transfers   have   occurred   between   levels   in   the   hierarchy   by   reassessing   categorization   at   the   end   of   each   reporting   period.     There   were   no   transfers   between   Level   1   and   Level   2   for   the   years   ended   December  31,  2016  and  December  31,  2015.   NOTE  13:  CHANGE  IN  NON-­CASH  OPERATING  WORKING  CAPITAL   YEAR  ENDED   DECEMBER  31,   2016   2015   $                    (1,825)  $                      3,538    (9,457)    (1,610)    2,383    13,036    1,637    10,473    (1,180)    (6,931)    8,873    (811)     Accounts  receivable     Work  in  process     Prepaid  expenses  and  other  assets       Accounts  payable  and  accrued  liabilities     Deferred  revenue     Net  income  taxes  payable   NOTE  14:  COMMITMENTS     Change  in  non-­cash  operating  working  capital   $                      4,164   $                  13,962   Non-­cancellable   operating   leases   where   the   Company   is   the   lessee   are   payable   as   set   out   below.                 These   amounts   represent   the   minimum   annual   future   lease   payments   (excluding   common   area   maintenance   costs   and   property   taxes),   in   aggregate,   that   the   Company   is   required   to   make   under   existing  operating  lease  agreements.   The  Company  leases  certain  property  and  equipment  under  operating  leases.  The  leases  typically  run   for  an  initial  lease  period  with  the  potential  to  renew  the  leases  after  the  initial  period  at  the  option  of  the   Company.     One   of   the   leased   properties   has   been   sub-­let   by   the   Company.   The   lease   expires   in   2024   and   the   sublease  expires  in  2018.  Sublease  payments  of  $1,457  are  expected  to  be  received  during  2016.       The  rent  expense  recognized  in  the  consolidated  statement  of  comprehensive  income  (loss):     Lease  expense     Onerous  lease  provision     Sublease  income     Total  rent  expense   NOTE  15:  FINANCE  COSTS   Interest  on  credit  facilities   Interest  on  convertible  debentures   Interest  on  consent  fee  notes  payable     Non-­cash  accretion  of  convertible  debentures     Non-­cash  accretion  of  consent  fee  notes  payable     Other   YEAR  ENDED   DECEMBER  31,   2016   2015   $                  25,148   $                  25,422    (499)    (1,457)    (951)    (1,457)   $                  22,740   $                  23,466   YEAR  ENDED   DECEMBER  31,   2016   2015   $                      3,057   $                      5,458   7,781   248   6,283   436   1586   5,872   255   15,403   479   487   INTEREST  EXPENSE,  NET   $                  25,553   $                  21,792     Financing  costs     Amortization  of  deferred  financing  costs       Other     OTHER  FINANCE  COSTS     FINANCE  COSTS   NOTE  16:  DEFERRED  SHARE  PLAN   $                                    -­   $                            334    245    329    1,041    601   $                      1,642   $                            908   $                  27,195   $                  22,700   2017   2018   2019   2020   2021     Thereafter   $                                    26,641    20,862    16,732    14,562    14,036    52,963   The  Company  offers  a  deferred  share  plan  (“DSP”)  for  independent  members  of  the  Board  of  Directors   (“Board”).  Under  the  DSP,  directors  of  the  Company  may  elect  to  allocate  all  or  a  portion  of  their  annual   compensation   in   the   form   of   deferred   shares   rather   than   cash.   These   shares   are   fully   vested   upon   issuance  and  are  recorded  as  a  financial  liability  at  FVTPL  in  the   consolidated   statement  of  financial   position  amounting  to  $2,360.  Directors  can  only  redeem  their  DSPs  for  shares  when  they  leave  the   Board.     41   42   T R O P E R L A U N N A 6 1 0 2 P U O R G I B I A- 42                                                                                                                                                                                                                                                       IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   During   the   year   ended   December   31,   2016,   the   Company   granted   73,764   deferred   shares   (December  31,  2015  –  121,048)   and  redeemed  no  deferred  shares   (December  31,  2015  –  nil),  for  a   total  of  402,766  deferred  shares  outstanding  as  at  December  31,  2016  (December  31,  2015  –  329,002).   Compensation   expense   for   the   year   ended   December   31,   2016   related   to   the   deferred   shares   was   $1,633   (December   31,   2015   –   $336).   There   is   no   unrecognized   compensation   expense   related   to   deferred  shares,  since  these  awards  vest  immediately  when  granted.   The  table  below  shows  the  DSP  transactions  for  the  year  ended  December  31,  2016:     Balance,  January  1,  2016     Deferred  shares  issued     Change  in  fair  value  due  to  share  price     BALANCE,  DECEMBER  31,  2016   DEFERRED   SHARES   FAIR  VALUE    329,002   $                            727    384    1,249    73,764    -­    402,766    2,360   The  table  below  shows  the  DSP  transactions  for  the  year  ended  December  31,  2015:     Balance,  January  1,  2015     Deferred  shares  issued     Change  in  fair  value  due  to  share  price     BALANCE,  DECEMBER  31,  2015   NOTE  17:  CONTINGENCIES   (a)  LEGAL  MATTERS   DEFERRED   SHARES   FAIR  VALUE    207,954   $                            391    224    121,048    112    -­    329,002   $                            727   In  the  normal  course  of  business,  the  Company  is  a  defendant  in  a  number  of  lawsuits.  The  potential   liability,  if  any,  is  not  determinable  and  in  management's  opinion,  it  would  not  have  a  material  effect  on   these  consolidated  financial  statements,  therefore  no  provisions  have  been  recorded.     (b)  INDEMNIFICATIONS     The   Company   provides   indemnifications   and,   in   very   limited   circumstances,   bonds,   which   are   often   standard  contractual  terms,  to  counterparties  in  transactions  such  as  purchase  and  sale  contracts  for   assets   or   shares,   service   agreements,   and   leasing   transactions.   The   Company   also   indemnifies   its   directors  and  officers  against  any  and  all  claims  or  losses  reasonably  incurred  in  the  performance  of   their  service  to  the  Company  to  the  extent  permitted  by  law.  These  indemnifications  may  require  the   Company   to   compensate   the   counterparty   for   costs   incurred   as   a   result   of   various   events,   including   changes  in  or  in  the  interpretation  of  laws  and  regulations,  or  as  a  result  of  litigation  claims  or  statutory   sanctions  that  may  be  suffered  by  the  counterparty  as  a  consequence  of  the  transaction.  The  terms  of   these  indemnifications  will  vary  based  upon  the  contract,  the  nature  of  which  prevents  the  Company   from  making  a  reasonable  estimate  of  the  maximum  potential  amount  that  it  could  be  required  to  pay  to   counterparties.  The  Company  carries  liability  insurance,  subject  to  certain  deductibles  and  policy  limits   that  provides  protection  against  certain  insurable  indemnifications.  Historically,  the  Company  has  not   made  any  significant  payments  under  such  indemnifications,  and  no  provisions  have  been  accrued  in   A- 43 43                                                                                           During   the   year   ended   December   31,   2016,   the   Company   granted   73,764   deferred   shares   (December  31,  2015  –  121,048)   and  redeemed  no  deferred  shares   (December  31,  2015  –  nil),  for  a   total  of  402,766  deferred  shares  outstanding  as  at  December  31,  2016  (December  31,  2015  –  329,002).   Compensation   expense   for   the   year   ended   December   31,   2016   related   to   the   deferred   shares   was   $1,633   (December   31,   2015   –   $336).   There   is   no   unrecognized   compensation   expense   related   to   deferred  shares,  since  these  awards  vest  immediately  when  granted.   The  table  below  shows  the  DSP  transactions  for  the  year  ended  December  31,  2016:   The  table  below  shows  the  DSP  transactions  for  the  year  ended  December  31,  2015:     Balance,  January  1,  2016     Deferred  shares  issued     Change  in  fair  value  due  to  share  price     BALANCE,  DECEMBER  31,  2016     Balance,  January  1,  2015     Deferred  shares  issued     Change  in  fair  value  due  to  share  price     BALANCE,  DECEMBER  31,  2015   NOTE  17:  CONTINGENCIES   (a)  LEGAL  MATTERS   DEFERRED   SHARES   FAIR  VALUE    329,002   $                            727    73,764    -­    384    1,249    402,766    2,360   DEFERRED   SHARES   FAIR  VALUE    207,954   $                            391    121,048    -­    224    112    329,002   $                            727   In  the  normal  course  of  business,  the  Company  is  a  defendant  in  a  number  of  lawsuits.  The  potential   liability,  if  any,  is  not  determinable  and  in  management's  opinion,  it  would  not  have  a  material  effect  on   these  consolidated  financial  statements,  therefore  no  provisions  have  been  recorded.     (b)  INDEMNIFICATIONS     The   Company   provides   indemnifications   and,   in   very   limited   circumstances,   bonds,   which   are   often   standard  contractual  terms,  to  counterparties  in  transactions  such  as  purchase  and  sale  contracts  for   assets   or   shares,   service   agreements,   and   leasing   transactions.   The   Company   also   indemnifies   its   directors  and  officers  against  any  and  all  claims  or  losses  reasonably  incurred  in  the  performance  of   their  service  to  the  Company  to  the  extent  permitted  by  law.  These  indemnifications  may  require  the   Company   to   compensate   the   counterparty   for   costs   incurred   as   a   result   of   various   events,   including   changes  in  or  in  the  interpretation  of  laws  and  regulations,  or  as  a  result  of  litigation  claims  or  statutory   sanctions  that  may  be  suffered  by  the  counterparty  as  a  consequence  of  the  transaction.  The  terms  of   these  indemnifications  will  vary  based  upon  the  contract,  the  nature  of  which  prevents  the  Company   from  making  a  reasonable  estimate  of  the  maximum  potential  amount  that  it  could  be  required  to  pay  to   counterparties.  The  Company  carries  liability  insurance,  subject  to  certain  deductibles  and  policy  limits   that  provides  protection  against  certain  insurable  indemnifications.  Historically,  the  Company  has  not   made  any  significant  payments  under  such  indemnifications,  and  no  provisions  have  been  accrued  in   IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   the  accompanying  consolidated  financial  statements  with  respect  to  these  indemnifications  as  it  is  not   probable  that  there  will  be  an  outflow  of  resources.   NOTE  18:  SHARE-­BASED  COMPENSATION     Cash  settled  transactions   The  Company  has  a  share-­based  compensation  plan  which  allows  directors  to  receive  director  fees  in   the  form  of  deferred  shares  rather  than  cash.  These  awards  are  accounted  for  as  financial  liabilities  at   FVTPL.  On  the  grant  date,  the  deferred  shares  are  measured  at  fair  value  based  on  the  market  price   with   subsequent   changes   to   the   fair   value   until   settlement   recorded   as   salaries,   fees   and   employee   benefit   expenses.   The   change   in   fair   value   of   the   deferred   shares   is   recognized   in   other   operating   expenses   in   the   consolidated   statement   of   comprehensive   income   (loss).   During   the   year   ended   December  31,  2016,  an  expense  of  $384  was  recognized  (December  31,  2015  –  $224).     Equity  settled  transactions   The  Company  has  an  equity-­settled  stock  option  plan.  The  grant-­date  fair  value  of  the  stock  options  is   recognized  as  salaries,  fees  and  employee  expenses,  with  a  corresponding  increase  to  capital  reserve   over  the  vesting  period  of  the  stock  options.  Market  conditions  are  reflected  in  the  initial  measurement   of  fair-­value,  with  no  subsequent  true-­up  for  differences  between  expected  and  actual  outcomes.   Under  the  terms  of  the  Company’s  stock  option  plan,  the  options  vest  evenly  over  a  three  year  period   on  each  of  the  first,  second  and  third  anniversary  dates  of  the  grant,  and  expire  on  the  tenth   anniversary  of  the  date  of  the  grant.  All  options  are  to  be  settled  by  the  physical  delivery  of  shares.   43   44   T R O P E R L A U N N A 6 1 0 2 P U O R G I B I A- 44                                                                                                 IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   On  January  15,  2016,  the  Company  granted  535,000  stock  options  to  management  under  the  terms  of   the  Company’s  stock  option  plan  at  an  exercise  price  of  $2.33  per  share.  The  fair  value  of  the  stock   option  plan  at  the  grant  date  has  been  measured  using  the  Black-­Scholes  model.  The  following  inputs   were  used  in  the  measurement  of  the  fair  values  at  the  grant  date  of  the  options:   Fair  value  at  grant  date     Share  price  at  grant  date   Exercise  price     Expected  volatility  (weighted  average)   Expected  life  (weighted  average)   Expected  dividends   Risk-­free  interest  rate   TRANCHE  1   TRANCHE  2   TRANCHE  3     $   1.14   $                      2.13   $                      2.33   64.2%   5.5  years   0%   0.64%     $   1.16   $                  2.13   $                  2.33   62.1%   6.0  years   0%   0.72%      $                  1.17        $                  2.13      $                  2.33                        60.2%              6.5  years                                  0%                        0.81%   On  May  25,  2016,  the  Company  granted  99,213  stock  options  to  management  under  the  terms  of  the   Company’s  stock  options  plan  at  an  exercise  price  of  $4.49  per  share.  The  fair  value  of  the  stock   option  plan  at  the  grant  date  has  been  measured  using  the  Black-­Scholes  model.  The  following  inputs   were  used  in  the  measurement  of  the  fair  values  at  the  grant  date  of  the  options:   Fair  value  at  grant  date     Share  price  at  grant  date   Exercise  price     Expected  volatility  (weighted  average)   Expected  life  (weighted  average)   Expected  dividends   Risk-­free  interest  rate   TRANCHE  1   TRANCHE  2   TRANCHE  3     $   2.47   $                      4.34   $                      4.49   66.9%   5.5  years   0%   0.86%     $   2.49   $                  4.34   $                  4.49   64.3%   6.0  years   0%   0.92%      $                  2.52        $                  4.34      $                  4.49                        62.3%              6.5  years                                  0%                        0.99%   Expected  volatility  is  based  on  an  evaluation  of  the  historical  volatility  of  the  Company’s  share  price   over  the  historical  period  commensurate  with  the  expected  term.  The  expected  term  of  the  instruments   has  been  based  on  general  option-­holder  behavior.   For  the  year  ended  December  31,  2016,  the  Company  has  recognized  an  expense  of  $453   (December  31,  2015  –  nil).   A- 45 45                                                                 IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   IBI  GROUP  INC.   NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS   On  January  15,  2016,  the  Company  granted  535,000  stock  options  to  management  under  the  terms  of   the  Company’s  stock  option  plan  at  an  exercise  price  of  $2.33  per  share.  The  fair  value  of  the  stock   option  plan  at  the  grant  date  has  been  measured  using  the  Black-­Scholes  model.  The  following  inputs   were  used  in  the  measurement  of  the  fair  values  at  the  grant  date  of  the  options:   Fair  value  at  grant  date     Share  price  at  grant  date   Exercise  price     Expected  volatility  (weighted  average)   Expected  life  (weighted  average)   Expected  dividends   Risk-­free  interest  rate   TRANCHE  1   TRANCHE  2   TRANCHE  3     $   1.14     $   1.16      $                  1.17   $                      2.13   $                  2.13        $                  2.13   $                      2.33   $                  2.33      $                  2.33   64.2%   62.1%                        60.2%   5.5  years   6.0  years              6.5  years   0%   0.64%   0%                                  0%   0.72%                        0.81%   On  May  25,  2016,  the  Company  granted  99,213  stock  options  to  management  under  the  terms  of  the   Company’s  stock  options  plan  at  an  exercise  price  of  $4.49  per  share.  The  fair  value  of  the  stock   option  plan  at  the  grant  date  has  been  measured  using  the  Black-­Scholes  model.  The  following  inputs   were  used  in  the  measurement  of  the  fair  values  at  the  grant  date  of  the  options:   Fair  value  at  grant  date     Share  price  at  grant  date   Exercise  price     Expected  volatility  (weighted  average)   Expected  life  (weighted  average)   Expected  dividends   Risk-­free  interest  rate   TRANCHE  1   TRANCHE  2   TRANCHE  3     $   2.47     $   2.49      $                  2.52   $                      4.34   $                  4.34        $                  4.34   $                      4.49   $                  4.49      $                  4.49   66.9%   64.3%                        62.3%   5.5  years   6.0  years              6.5  years   0%   0.86%   0%                                  0%   0.92%                        0.99%   Expected  volatility  is  based  on  an  evaluation  of  the  historical  volatility  of  the  Company’s  share  price   over  the  historical  period  commensurate  with  the  expected  term.  The  expected  term  of  the  instruments   has  been  based  on  general  option-­holder  behavior.   For  the  year  ended  December  31,  2016,  the  Company  has  recognized  an  expense  of  $453   (December  31,  2015  –  nil).   NOTE  19:  NOTES  PAYABLE   The  movement  in  the  vendor  notes  payable  for  the  year  ended  December  31,  2016  is  as  follows:     Balance,  January  1,  2015     Repayment     Foreign  exchange     Balance,  December  31,  2015     Repayment     Foreign  exchange     BALANCE,  DECEMBER  31,  2016   $   $   $    5,013    (1,609)    834    4,238    (4,076)    (162)    -­   The  vendor  notes  payable  were  repaid  upon  maturity  on  June  30,  2016.   The  movement  in  the  consent  fee  notes  payable  for  the  year  ended  December  31,  2016  is  as  follows:     Balance,  December  31,  2015     Accretion       Repayment     BALANCE,  DECEMBER  31,  2016   TOTAL    3,067    1,097    (4,164)    -­   $   $   $   See   Note   6   -­   Financial   Instruments   for   further   details   regarding   the   issuance   of   consent   fee   notes           related  to  the  amendment  of  the  7.0%  Debentures  during  2014.  The  consent  fee  notes  payable  were   repaid  upon  maturity  on  December  30,  2016.   NOTE  20:  INVESTMENT  IN  EQUITY  ACCOUNTED  INVESTEE   On  October  2,  2014,  the  Company’s  interest  in  China  decreased  from  100%  to  51%  by  way  of  a  sale  of   the   China   operations.   Although   the   Company   retained   51%   interest   in   China,   the   Company   has   determined  that  it  does  not  have  control  of  this  entity  and  thus  it  is  being  accounted  for  as  an  equity   investment  subsequent  to  the  sale.   The   following   table   reconciles   the   Company’s   investment   in   China   as   at   December   31,   2016   and   December  31,  2015:   Investment  in  China,  January  1,  2015     Share  of  loss   Investment  in  China,  December  31,  2015     Share  of  loss   INVESTMENT  IN  CHINA,  DECEMBER  31,  2016   $   $    817    (785)    32    (32)    -­   45   46   T R O P E R L A U N N A 6 1 0 2 P U O R G I B I A- 46                                                                                                                                                                                                               IBI GROUP INC. MANAGEMENT DISCUSSION AND ANALYSIS FOR THE THREE AND TWELVE MONTHS ENDED DECEMBER 31, 2016 FORWARD-LOOKING STATEMENTS ......................................................................................................... 4 FORWARD LOOKING STATEMENTS AND RISK FACTORS .................................................................... 4 COMPANY PROFILE .................................................................................................................................... 5 OUTLOOK ..................................................................................................................................................... 6 FINANCIAL HIGHLIGHTS ............................................................................................................................ 7 OVERVIEW ................................................................................................................................................... 8 KEY EVENTS ............................................................................................................................................ 8 STATEMENT OF COMPREHENSIVE INCOME (LOSS) ......................................................................... 8 RESULTS OF OPERATIONS ..................................................................................................................... 10 DESCRIPTION OF VARIANCES IN OPERATING RESULTS ............................................................... 11 SELECTED ANNUAL INFORMATION ....................................................................................................... 16 ADJUSTED EBITDA FROM CONTINUING OPERATIONS FOR THE PREVIOUS EIGHT QUARTERS .17 IMPACT OF TRENDS ON QUARTERLY RESULTS .............................................................................. 18 LIQUIDITY AND CAPITAL RESOURCES .................................................................................................. 18 WORKING CAPITAL ............................................................................................................................... 18 CASH FLOWS ............................................................................................................................................ 21 OPERATING ACTIVITIES ....................................................................................................................... 21 FINANCING ACTIVITIES ........................................................................................................................ 21 INVESTING ACTIVITIES ......................................................................................................................... 22 CREDIT FACILITY ...................................................................................................................................... 22 SECURITY INTEREST OF SENIOR LENDERS ........................................................................................ 23 NOTES PAYABLE ...................................................................................................................................... 23 CONVERTIBLE DEBENTURES ................................................................................................................. 25 FINANCIAL RISK MANAGEMENT ............................................................................................................. 27 MARKET RISK ........................................................................................................................................ 27 CREDIT RISK .......................................................................................................................................... 28 LIQUIDITY RISK ...................................................................................................................................... 28 CONTRACTUAL OBLIGATIONS ................................................................................................................ 29 CAPITAL MANAGEMENT .......................................................................................................................... 29 FUTURE CASH GENERATION .................................................................................................................. 29 SHARE CAPITAL .................................................................................................................................... 30 TRANSACTIONS WITH RELATED PARTIES ........................................................................................ 30 CRITICAL ACCOUNTING ESTIMATES AND JUDGMENTS ..................................................................... 31 ACCOUNTING DEVELOPMENTS ............................................................................................................. 33 DISCLOSURE CONTROLS AND PROCEDURES AND INTERNAL CONTROL OVER FINANCIAL REPORTING ............................................................................................................................................... 36 DEFINITION OF NON-IFRS MEASURES .................................................................................................. 36 3 – IBI Group Inc. – December 31, 2016 The following Management Discussion and Analysis (“MD&A”) of operating results and financial position of IBI Group Inc. and its subsidiaries (the “Company”) for the three and twelve months ended December 31, 2016 should be read in conjunction with the accompanying audited consolidated financial statements for the year ended December 31, 2016, including the notes thereto. Additional information relating to the Company, including its Annual Information Form for the year ended December 31, 2016 is or will be available on SEDAR at www.sedar.com. The financial information and tables presented herein have been prepared on the basis of International Financial Reporting Standards (“IFRS”), as issued by the International Accounting Standards Board (“IASB”), for financial statements and are expressed in thousands of Canadian dollars except for per share amounts. Certain information in this MD&A are based on non-IFRS measures, which have been defined on page 37 of this MD&A. FORWARD-LOOKING STATEMENTS This report includes certain forward-looking statements that are based on the available information and management’s judgments as at the date of this report. The forward-looking statements are subject to risks and uncertainties that may cause the actual results to differ materially from those anticipated in the discussion. See “Forward Looking Statements and Risk Factors” below for more information. FORWARD LOOKING STATEMENTS AND RISK FACTORS Certain statements in this MD&A may constitute “forward-looking” statements which involve known and unknown risks, uncertainties and other factors which may cause the actual results, performance or achievements of the Company and its subsidiary entities, including IBI Group Partnership (“IBI Group”) or the industry in which they operate, to be materially different from any future results, performance or achievements expressed or implied by such forward looking statements. When used in this MD&A, such statements use words such as “may”, “will”, “expect”, “believe”, “plan” and other similar terminology. These statements reflect management’s current expectations regarding future events and operating performance and speak only as of the date of this MD&A. These forward-looking statements involve a number of risks and uncertainties, including those related to: (i) the Company’s ability to maintain profitability and manage its growth; (ii) the Company’s reliance on its key professionals; (iii) competition in the industry in which the Company operates; (iv) timely completion by the Company of projects and performance by the Company of its obligations; (v) fixed-price contracts; (vi) the general state of the economy; (vii) risk of future legal proceedings against the Company; (viii) the international operations of the Company; (ix) reduction in the Company’s backlog; (x) fluctuations in interest rates; (xi) fluctuations in currency exchange rates; (xii) upfront risk of time invested in participating in consortia bidding on large projects and projects being contracted through private finance initiatives; (xiii) limits under the Company’s insurance policies; (xiv) the Company’s reliance on distributions from its subsidiary entities and, as a result, its susceptibility to fluctuations in their performance; (xv) unpredictability and volatility in the price of Shares (defined below); (xvi) the degree to which the Company is leveraged and the effect of the restrictive and financial covenants in the Company’s credit facilities; (xvii) the possibility that the Company may issue additional Common Shares (defined below) diluting existing Shareholders’ interests; (xviii) income tax matters. These risk factors are discussed in detail under the heading “Risk Factors” in the Company’s Annual Information Form for the year ended December 31, 2016. New risk factors may arise from time to time and it is not possible for management of the Company to predict all of those risk factors or the extent to which any factor or combination of factors may cause actual results, performance or achievements of the Company to be materially different from those contained in forward-looking statements. Given these risks and uncertainties, investors should not place undue reliance on forward-looking statements as a prediction of actual results. Although the forward-looking statements contained in this MD&A are based upon what management 4 – IBI Group Inc. – December 31, 2016 T R O P E R L A U N N A 6 1 0 2 P U O R G I B I B- 4 believes to be reasonable assumptions, the Company cannot assure investors that actual results will be consistent with these forward-looking statements. These forward-looking statements are made as of March 8, 2017. The factors used to develop revenue forecast in this MD&A include the total amount of work the Company has signed an agreement with its clients to complete, the timeline in which that work will be completed based on the current pace of work the company achieved over the last 12 months and expects to achieve over the next 12 months. The Company updates these assumptions at each reporting period and adjusts its forward looking information as necessary. COMPANY PROFILE The business of the Company is conducted through IBI Group, a global architecture, engineering, planning and technology entity, which operates 63 offices in 11 countries across the world. IBI Group has one operating segment, consulting services, which is concentrated in three practice areas: – Intelligence – Buildings – Infrastructure IBI Group’s professionals have a broad range of professional backgrounds and experience in urban design and planning, architecture, civil engineering, transportation engineering, traffic engineering, systems engineering, urban geography, real estate analysis, landscape architecture, communications engineering, software development, and many other areas of expertise, all contributing to the three areas in which IBI Group practices. The firm’s clients include national, provincial, state, and local government agencies and public institutions, as well as leading companies in the real estate building, land and infrastructure development, transportation and communication industries, and in other business areas. B-5 5 – IBI Group Inc. – December 31, 2016 believes to be reasonable assumptions, the Company cannot assure investors that actual results will be consistent with these forward-looking statements. These forward-looking statements are made as of March 8, 2017. The factors used to develop revenue forecast in this MD&A include the total amount of work the Company has signed an agreement with its clients to complete, the timeline in which that work will be completed based on the current pace of work the company achieved over the last 12 months and expects to achieve over the next 12 months. The Company updates these assumptions at each reporting period and adjusts its forward looking information as necessary. COMPANY PROFILE The business of the Company is conducted through IBI Group, a global architecture, engineering, planning and technology entity, which operates 63 offices in 11 countries across the world. IBI Group has one operating segment, consulting services, which is concentrated in three practice areas: – Intelligence – Buildings – Infrastructure IBI Group’s professionals have a broad range of professional backgrounds and experience in urban design and planning, architecture, civil engineering, transportation engineering, traffic engineering, systems engineering, urban geography, real estate analysis, landscape architecture, communications engineering, software development, and many other areas of expertise, all contributing to the three areas in which IBI Group practices. The firm’s clients include national, provincial, state, and local government agencies and public institutions, as well as leading companies in the real estate building, land and infrastructure development, transportation and communication industries, and in other business areas. OUTLOOK The following represents forward looking information and users are cautioned that actual results may vary. Management is forecasting approximately $363 million in total revenue for the year ended December 31, 2017. The Company currently has $331 million of work that is committed and under contract for the next three years. This committed workload is a material factor and assumption used to develop revenue forecasts. The Company continues to see an increase in committed work to be delivered in 2017. The Company has approximately ten months of backlog (calculated on the basis of the current pace of work that the Company has achieved during the 12 months ended December 31, 2016). The Company bases its view of industry performance on: 1. Annual survey completed by The Environmental Financial Consulting Group, Inc (“EFCG”) which focuses on architecture and engineering industries. 2. The reported performance of the Company’s direct competitors. 3. The reports published by market analysts covering firms in the Company’s business sectors. The Company has returned to Adjusted EBITDA1 margins in line with industry averages. Based on the most recent review of this information, EBITDA margins in the industry average 8-12%. Ongoing efforts are underway to improve the monitoring of financial results, identify synergies and implement cost management initiatives, as well as strengthen the billings and collections process. The Company continues to seek out opportunities to enhance profitability. 5 – IBI Group Inc. – December 31, 2016 6 – IBI Group Inc. – December 31, 2016 1 See “Definition of Non-IFRS Measures”. T R O P E R L A U N N A 6 1 0 2 P U O R G I B I B-6 FINANCIAL HIGHLIGHTS (in thousands of Canadian dollars except for per share amounts) THREE MONTHS ENDED DECEMBER 31, 2016 (unaudited) 2015 (unaudited) YEAR ENDED DECEMBER 31, 2016 2015 Number of working days (unaudited) Revenue 63 $ 86,841 $ 84,913 63 251 $ 354,140 $ 327,092 251 Net income from continuing operations Net loss from discontinued operations Net income $ 7,594 $ 990 $ 3,494 $ 11,336 $ - $ (462) $ 7,594 $ 528 $ - $ (1,873) $ 3,494 $ 9,463 Cash flows provided by operating activities $ 17,247 $ 14,248 $ 30,850 $ 30,826 Basic and diluted earnings per share Basic earnings per share from continuing operations Basic and diluted earnings per share from discontinued operations $ 0.24 $ 0.02 $ 0.11 $ 0.41 $ 0.24 $ 0.04 $ 0.11 $ 0.49 $ - $ (0.02) $ - $ (0.08) Adjusted EBITDA1 (unaudited) Adjusted EBITDA1 as a percentage of revenue (unaudited) 1- See “Definition of Non-IFRS Measures”. $ 7,480 $ 8,279 $ 39,247 $ 34,387 8.6% 9.7% 11.1% 10.5% B-7 7 – IBI Group Inc. – December 31, 2016 FINANCIAL HIGHLIGHTS (in thousands of Canadian dollars except for per share amounts) OVERVIEW KEY EVENTS THREE MONTHS ENDED DECEMBER 31, 2016 2015 (unaudited) (unaudited) YEAR ENDED DECEMBER 31, 2016 2015 Number of working days (unaudited) 63 63 251 251 Revenue $ 86,841 $ 84,913 $ 354,140 $ 327,092 Net income from continuing operations $ 7,594 $ 990 $ 3,494 $ 11,336 Net loss from discontinued operations $ - $ (462) $ - $ (1,873) Net income $ 7,594 $ 528 $ 3,494 $ 9,463 Cash flows provided by operating activities $ 17,247 $ 14,248 $ 30,850 $ 30,826 Basic and diluted earnings per share Basic earnings per share from continuing operations Basic and diluted earnings per share from discontinued operations $ 0.24 $ 0.02 $ 0.11 $ 0.41 $ 0.24 $ 0.04 $ 0.11 $ 0.49 $ - $ (0.02) $ - $ (0.08) Adjusted EBITDA1 (unaudited) $ 7,480 $ 8,279 $ 39,247 $ 34,387 Adjusted EBITDA1 as a percentage of revenue (unaudited) 1- See “Definition of Non-IFRS Measures”. 8.6% 9.7% 11.1% 10.5%  Revenue increased to $86.8 million for the three months ended December 31, 2016 compared to $84.9 million for the same period in 2015, which reflects an increase of $1.9 million or 2.3%, and $354.1 million for the year ended December 31, 2016 compared to $327.1 million for the same period in 2015, which reflects an increase of $27.0 million or 8.3%.  Adjusted EBITDA1 has decreased to $7.5 million for the three months ended December 31, 2016 compared to $8.3 million for the same period in 2015, which reflects a decrease of $0.8 million or 9.7%, and $39.2 million for the year ended December 31, 2016 compared to $34.4 million for the same period in 2015, which reflects an increase of $4.9 million or 14.1%.  The Company issued 5.5% convertible unsecured subordinated debentures (principal $46 million, maturing on December 31, 2021). The net proceeds of $43.4 million upon issuance were used to repay the Company’s credit facilities.  On October 24, 2016, the Company financed the partial redemption of its 6.0% debentures for $43.8 million cash from the credit facilities. On December 30, 2016, the Company redeemed the remaining portion of the 6.0% debentures for $13.7 million using the funds available from its Sinking Fund balance.  On October 31, 2016, the Company redeemed the 7.0% debentures under Options B and C for $31.2 million by issuing 6,220,076 common shares.  The Company made the required deposit toward the Sinking Fund for $3.25 million during the three months ended December 31, 2016. STATEMENT OF COMPREHENSIVE INCOME (LOSS) Revenue for the three months ended December 31, 2016 was $86.8 million, compared with $84.9 million in the same period in 2015, an increase of 2.3%. Revenue for the year ended December 31, 2016 was $354.1 million, compared with $327.1 million for the same period in 2015, an increase of 8.3%. For the three months ended December 31, 2016, the Company had net income from continuing operations of $7.6 million compared with $1.0 million for the same period in 2015. The change in net income from continuing operations for the three months ended December 31, 2016 is attributable to an increase in revenue, a decrease in interest expense and a positive impact of the gain on fair value of the derivative liability. Net income from continuing operations for the year ended December 31, 2016 was $3.5 million compared to $11.3 million for the same period in 2015. Net income from continuing operations for the year ended December 31, 2016 is inclusive of a foreign exchange loss of $7.4 million, compared to a foreign exchange gain of $8.7 million, which was included in net income for the same period in 2015. The Company recorded a foreign exchange gain of $8.7 million during the year ended December 31, 2015, as the Canadian dollar weakened against the US dollar and British pound. The foreign exchange loss during the year ended December 31, 2016 reflects the reversal of trends in global currency markets. 7 – IBI Group Inc. – December 31, 2016 8 – IBI Group Inc. – December 31, 2016 1 See “Definition of Non-IFRS Measures”. T R O P E R L A U N N A 6 1 0 2 P U O R G I B I B-8 Basic and diluted earnings per share from continuing operations was $0.24 per share for the three months ended December 31, 2016, compared to $0.04 for the same period in 2015. Basic and diluted earnings per share from continuing operations was $0.11 per share for the year ended December 31, 2016, compared to $0.49 for the same period in 2015. B-9 9 – IBI Group Inc. – December 31, 2016 Basic and diluted earnings per share from continuing operations was $0.24 per share for the three months ended December 31, 2016, compared to $0.04 for the same period in 2015. Basic and diluted earnings per share from continuing operations was $0.11 per share for the year ended December 31, 2016, compared to $0.49 for the same period in 2015. RESULTS OF OPERATIONS The results of operations presented below should be read in conjunction with the applicable annual audited consolidated financial statements and related notes thereto, prepared in accordance with IFRS. (thousands of Canadian dollars, except per share amounts) Revenue Expenses Salaries, fees and employee benefits Rent Other operating expenses Foreign exchange loss (gain) Amortization of intangible assets Depreciation of property and equipment Decrease in fair value of other financial liabilities Impairment of financial assets OPERATING INCOME Interest expense, net Other finance costs FINANCE COSTS THREE MONTHS ENDED DECEMBER 31, 2016 (unaudited) 2015 (unaudited) YEAR ENDED DECEMBER 31, 2016 2015 $ 86,841 $ 84,913 $ 354,140 $ 327,092 61,914 5,947 10,502 (1,215) 293 1,168 (1,819) 558 229,900 23,466 37,136 (8,699) 784 4,024 - 1,486 $ 77,348 $ 75,972 $ 325,912 $ 288,097 $ 9,492 $ 8,941 $ 28,228 $ 38,995 248,869 22,740 41,781 7,363 1,002 4,323 (1,819) 1,653 59,174 5,856 10,321 (1,812) 205 1,195 - 1,033 3,064 414 21,792 908 $ 3,478 $ 6,040 $ 27,195 $ 22,700 25,553 1,642 5,651 389 Share of loss of equity-accounted investee, net of tax - 149 32 785 NET INCOME BEFORE TAX FROM CONTINUING OPERATIONS Current tax expense (recovery) Deferred tax (recovery) expense INCOME TAXES Net income from continuing operations Net loss from discontinued operations NET INCOME OTHER COMPREHENSIVE (LOSS) INCOME Items that are or may be reclassified to profit or loss Loss on translating financial statements of foreign operations from continuing operations, net of tax OTHER COMPREHENSIVE LOSS, NET OF TAX TOTAL COMPREHENSIVE (LOSS) INCOME NET INCOME ATTRIBUTABLE TO: Common shareholders Non-controlling interests NET INCOME TOTAL COMPREHENSIVE INCOME (LOSS) ATTRIBUTABLE TO: Common shareholders Non-controlling interests TOTAL COMPREHENSIVE INCOME (LOSS) EARNINGS PER SHARE ATTRIBUTABLE TO COMMON SHAREHOLDERS $ 6,014 $ 2,752 $ 1,001 $ 15,510 1,147 (2,727) 381 3,793 $ (1,580) $ 1,762 $ (2,493) $ 4,174 2,908 (5,401) (940) 2,702 $ 7,594 $ 990 $ 3,494 $ 11,336 $ - $ (462) $ - $ (1,873) $ 7,594 $ 528 $ 3,494 $ 9,463 $ (1,265) $ (838) $ (105) $ (1,054) (1,054) $ 6,329 $ (310) $ 3,389 $ 8,409 (1,265) (105) (838) $ 6,089 $ 413 $ 2,814 $ 7,381 2,082 $ 7,594 $ 528 $ 3,494 $ 9,463 1,505 680 115 $ 5,079 $ (241) $ 2,730 $ 6,559 1,850 $ 6,329 $ (310) $ 3,389 $ 8,409 1,250 (69) 659 9 – IBI Group Inc. – December 31, 2016 10 – IBI Group Inc. – December 31, 2016 Basic and diluted earnings per share Basic and diluted earnings per share from continuing operations Basic and diluted earnings per share from discontinued operations $ 0.24 $ 0.02 $ 0.11 $ 0.41 $ 0.24 $ 0.04 $ 0.11 $ 0.49 $ - $ (0.02) $ - $ (0.08) T R O P E R L A U N N A 6 1 0 2 P U O R G I B I B-10 DESCRIPTION OF VARIANCES IN OPERATING RESULTS i) REVENUE The Company reports revenue net of direct recoverable costs as these costs can vary significantly from contract to contract and are not indicative of its professional services business. Revenue for the three months ended December 31, 2016 increased by $1.9 million or 2.3% compared to the same period in 2015. The increase in revenue is due to growth in the United States and International geographical segments, including continuing work on significant transit projects. Growth has slowed in the Company’s international segment, which includes the UK, due to uncertainty in the UK of Brexit and the related decrease in the value of the British pound. Revenue for the three months ended December 31, 2016 in the UK decreased by $2.6 million or 25% compared to the same period in 2015. Revenue for the year ended December 31, 2016 increased by $27.0 million or 8.3% compared to the same period in 2015. The increase in revenue is due to growth in all geographical segments, including continuing work on significant transit projects. Although there has been overall growth in the International segment the UK experienced a reduction in revenues of $6.3 million due to the uncertainty of Brexit and the related decrease in the value of the British pound. Significant effort has been incurred on major transit projects during the year, the benefit of which is expected to be realized in future periods. The impact of foreign exchange on revenue for the year ended December 31, 2016 was an additional $2.2 million of revenue compared to the same period in 2015. ii) SALARIES, FEES, AND EMPLOYEE BENEFITS Salaries, fees, and employee benefits for the three months ended December 31, 2016 was $61.9 million compared with $59.2 million in the same period in 2015. As a percentage of revenues, salaries, fees and employee benefits for the three months ended December 31, 2016 was 71.3% compared to 69.7% for the same period in 2015. Salaries, fees and employee benefits for the year ended December 31, 2016 was $248.9 million, compared with $229.9 million for the same period in 2015. As a percentage of revenues, salaries, fees and employee benefits for the year ended December 31, 2016 remained unchanged from the same period in 2015 at 70.3%, which is consistent with the budgeted compensation target of 70%. The impact of foreign exchange on salaries, fees and employee benefits for the three months ended December 31, 2016 was $0.2 million additional expense compared to the same period in 2015. The impact of foreign exchange on salaries, fees and employee benefits for the year ended December 31, 2016 was an additional $1.5 million of expense compared to the same period in 2015. iii) RENT FROM CONTINUING OPERATIONS Rent for the three months ended December 31, 2016 remained unchanged from the same period in 2015 at $5.9 million. Rent for the year ended December 31, 2016 was $22.7 million, compared with $23.5 million for the same period in 2015. iv) OTHER OPERATING EXPENSES Other operating expenses for the three months ended December 31, 2016 was $10.5 million, compared with $10.3 million for the same period in 2015. As a percentage of revenues, operating expenses for the three months ended December 31, 2016 and 2015, respectively were 12.1%. B-11 11 – IBI Group Inc. – December 31, 2016 DESCRIPTION OF VARIANCES IN OPERATING RESULTS i) REVENUE The Company reports revenue net of direct recoverable costs as these costs can vary significantly from contract to contract and are not indicative of its professional services business. Revenue for the three months ended December 31, 2016 increased by $1.9 million or 2.3% compared to the same period in 2015. The increase in revenue is due to growth in the United States and International geographical segments, including continuing work on significant transit projects. Growth has slowed in the Company’s international segment, which includes the UK, due to uncertainty in the UK of Brexit and the related decrease in the value of the British pound. Revenue for the three months ended December 31, 2016 in the UK decreased by $2.6 million or 25% compared to the same period in 2015. Revenue for the year ended December 31, 2016 increased by $27.0 million or 8.3% compared to the same period in 2015. The increase in revenue is due to growth in all geographical segments, including continuing work on significant transit projects. Although there has been overall growth in the International segment the UK experienced a reduction in revenues of $6.3 million due to the uncertainty of Brexit and the related decrease in the value of the British pound. Significant effort has been incurred on major transit projects during the year, the benefit of which is expected to be realized in future periods. The impact of foreign exchange on revenue for the year ended December 31, 2016 was an additional $2.2 million of revenue compared to the same period in 2015. ii) SALARIES, FEES, AND EMPLOYEE BENEFITS Salaries, fees, and employee benefits for the three months ended December 31, 2016 was $61.9 million compared with $59.2 million in the same period in 2015. As a percentage of revenues, salaries, fees and employee benefits for the three months ended December 31, 2016 was 71.3% compared to 69.7% for the same period in 2015. Salaries, fees and employee benefits for the year ended December 31, 2016 was $248.9 million, compared with $229.9 million for the same period in 2015. As a percentage of revenues, salaries, fees and employee benefits for the year ended December 31, 2016 remained unchanged from the same period in 2015 at 70.3%, which is consistent with the budgeted compensation target of 70%. The impact of foreign exchange on salaries, fees and employee benefits for the three months ended December 31, 2016 was $0.2 million additional expense compared to the same period in 2015. The impact of foreign exchange on salaries, fees and employee benefits for the year ended December 31, 2016 was an additional $1.5 million of expense compared to the same period in 2015. iii) RENT FROM CONTINUING OPERATIONS Rent for the three months ended December 31, 2016 remained unchanged from the same period in 2015 at $5.9 million. Rent for the year ended December 31, 2016 was $22.7 million, compared with $23.5 million for the same period in 2015. iv) OTHER OPERATING EXPENSES Other operating expenses for the three months ended December 31, 2016 was $10.5 million, compared with $10.3 million for the same period in 2015. As a percentage of revenues, operating expenses for the three months ended December 31, 2016 and 2015, respectively were 12.1%. Other operating expenses for the year ended December 31, 2016 was $41.8 million, compared to $37.1 million for the same period in 2015. As a percentage of revenues, operating expenses for the year ended December 31, 2016 were 11.8% compared to 11.4% for the same period in 2015. The impact of foreign exchange on other operating expenses for the year ended December 31, 2016 was an additional $0.2 million of expense compared to the same period in 2015. A reduction in overhead expenses as a percentage of revenues will continue to be an area of focus for the Company as we look to improve overall efficiency. v) FOREIGN EXCHANGE LOSS (GAIN) Foreign exchange gain for the three months ended December 31, 2016 was $1.2 million compared to $1.8 million in the same period in 2015. Foreign exchange loss for the year ended December 31, 2016 was $7.4 million compared to a gain of $8.7 million for the same period in 2015. The foreign exchange loss (gain) is primarily attributable to foreign exchange rate movements between the Canadian dollar, US dollar and British pound as functional currencies of the Company’s subsidiaries and other local currencies of international subsidiaries, as well as intercompany loans made by the Canadian parent company in the functional currencies of foreign subsidiaries that is not considered part of the permanent investment in the foreign subsidiaries, offset by the foreign exchange impact of its US dollar drawings on its credit facilities. The foreign exchange loss for the year ended December 31, 2016, relates to the reversal of the foreign exchange gains on the US dollar and British pound recognized in 2015 of $8.7 million. Although the Company strives to minimize its exposure to foreign exchange fluctuations on the translation of foreign-denominated intercompany loans held in the Company’s Canadian operations by matching US dollar liabilities when possible, the Company’s primary objective is to ensure it has sufficient cash flow to meet its short and long-term obligations. As such, the Company closely monitors its availability in its credit facilities based on foreign exchange rate fluctuations between the Canadian and US dollar, as well as ensures that tax efficiencies continue to exist in order to meet its short and long-term cash obligations. vi) AMORTIZATION OF INTANGIBLE ASSETS Amortization of intangible assets was $0.3 million for the three months ended December 31, 2016 compared to $0.2 million for the three months ended December 31, 2015. Amortization of intangible assets for the year ended December 31, 2016 was $1.0 million compared to $0.8 million for the year ended December 31, 2015. The increase in amortization in each period is a result of commencing amortization of the ERP system. vii) AMORTIZATION OF PROPERTY AND EQUIPMENT Amortization of property and equipment for the three months ended December 31, 2016 was $1.2 million compared to $1.2 million for the same period in 2015. Amortization of property and equipment for the year ended December 31, 2016 was $4.3 million compared to $4.0 million for the same period in 2015. viii) DECREASE IN FAIR VALUE OF OTHER FINANCIAL LIABILITIES Change in fair value of other financial liabilities for the three months ended December 31, 2016 was a gain of $1.8 million compared to $nil for the same period in 2015 Change in fair value of other financial liabilities for the year ended December 31, 2016 was a gain of $1.8 million compared to $nil for the same period in 2015. The gain is related to the revaluation of the derivative liability, which was set up in September 2016 as a result of the issuance of the 5.5% debentures. 11 – IBI Group Inc. – December 31, 2016 12 – IBI Group Inc. – December 31, 2016 T R O P E R L A U N N A 6 1 0 2 P U O R G I B I B-12 ix) IMPAIRMENT OF FINANCIAL ASSETS Impairment of financial assets for the three months ended December 31, 2016 was $0.6 million compared to $1.0 million in the same period in 2015. The decrease is consistent with the Company’s ongoing efforts to focus on collections, resulting in a decrease in write-offs of accounts receivable. Impairment of financial assets for the year ended December 31, 2016 was $1.7 million compared to $1.5 million for the same period in 2015. The impairment of financial assets during the year ending December 31, 2015 included recoveries of amounts that were previously written off in 2013. x) INTEREST EXPENSE Interest expense from continuing operations for the three months ended December 31, 2016 was $3.1 million compared to $5.6 million for the same period in 2015. The decrease of $2.5 million is attributable to a reduction of $0.4 million in interest on long-term debt, a reduction of $1.1 million in interest on debentures, and a decrease of $1.0 million in accretion expense due to the redemptions of the 6% debentures in October 2016 and December 2016 as well as the redemption of the 7% debentures option B and C in October 2016 respectively. Interest expense for the year ended December 31, 2016 was $25.5 million compared with $21.8 million for the same period in 2015. The increase of $3.8 million is primarily attributable to an increase of $9.1 million due to accretion expense of convertible debentures redeemed in 2016. See discussion in the liquidity risk section of this MD&A for further details. The increase in accretion expense was offset by a decrease of $2.4 million in interest on long-term debt, a decrease of $1.9 million on interest on convertible debentures and a decrease of $1.1 million in other interest as a result of a decrease in interest on the indebtedness owing to the Management Partnership, which was repaid on December 2015 and the repayment of the vendor notes on June 30, 2016. xi) OTHER FINANCE COSTS Other finance costs for the three months ended December 31, 2016 was $0.4 million compared to $0.4 million for the same period in 2015. Other finance costs for the year ended December 31, 2016 were $1.6 million compared to $0.9 million for the same period in 2015. The increase of $0.7 million is attributable to an increase of $0.8 million of amortization of deferred financing costs related to the renegotiation of the credit facilities in Q4 2015. xii) INCOME TAXES Income taxes for the three months ended December 31, 2016 was a recovery of $1.6 million with an effective income tax rate of (26.0)% compared to an expense of $1.8 million with an effective income tax rate of 64.0% for the same period in 2015. The decrease in the effective tax rate for the three months ended December 31, 2016 was principally as a result of recognition of previously unrecognized deferred tax assets. The tax expense for the three months ended December 31, 2015 was attributable to the composition of income in the various jurisdictions in which the Company operates and changes in the valuation of deferred tax assets. Income taxes for the year ended December 31, 2016 was a recovery of $2.5 million with an effective tax rate of (248.9)% compared to an expense of $2.8 million with an effective tax rate of 26.9% for the same period in 2015. The decrease in the effective tax rate for the year ended December 31, 2016 was primarily a result of the US operations utilizing and recognizing previously unrecognized deferred tax assets during 2016. B-13 13 – IBI Group Inc. – December 31, 2016 Impairment of financial assets for the three months ended December 31, 2016 was $0.6 million compared to $1.0 million in the same period in 2015. The decrease is consistent with the Company’s ongoing efforts to focus on collections, resulting in a decrease in write-offs of accounts receivable. Impairment of financial assets for the year ended December 31, 2016 was $1.7 million compared to $1.5 million for the same period in 2015. The impairment of financial assets during the year ending December 31, 2015 included recoveries of amounts that were previously written off in 2013. x) INTEREST EXPENSE Interest expense from continuing operations for the three months ended December 31, 2016 was $3.1 million compared to $5.6 million for the same period in 2015. The decrease of $2.5 million is attributable to a reduction of $0.4 million in interest on long-term debt, a reduction of $1.1 million in interest on debentures, and a decrease of $1.0 million in accretion expense due to the redemptions of the 6% debentures in October 2016 and December 2016 as well as the redemption of the 7% debentures option B and C in October 2016 respectively. Interest expense for the year ended December 31, 2016 was $25.5 million compared with $21.8 million for the same period in 2015. The increase of $3.8 million is primarily attributable to an increase of $9.1 million due to accretion expense of convertible debentures redeemed in 2016. See discussion in the liquidity risk section of this MD&A for further details. The increase in accretion expense was offset by a decrease of $2.4 million in interest on long-term debt, a decrease of $1.9 million on interest on convertible debentures and a decrease of $1.1 million in other interest as a result of a decrease in interest on the indebtedness owing to the Management Partnership, which was repaid on December 2015 and the repayment of the vendor notes on June 30, 2016. xi) OTHER FINANCE COSTS credit facilities in Q4 2015. xii) INCOME TAXES Other finance costs for the three months ended December 31, 2016 was $0.4 million compared to $0.4 million for the same period in 2015. Other finance costs for the year ended December 31, 2016 were $1.6 million compared to $0.9 million for the same period in 2015. The increase of $0.7 million is attributable to an increase of $0.8 million of amortization of deferred financing costs related to the renegotiation of the Income taxes for the three months ended December 31, 2016 was a recovery of $1.6 million with an effective income tax rate of (26.0)% compared to an expense of $1.8 million with an effective income tax rate of 64.0% for the same period in 2015. The decrease in the effective tax rate for the three months ended December 31, 2016 was principally as a result of recognition of previously unrecognized deferred tax assets. The tax expense for the three months ended December 31, 2015 was attributable to the composition of income in the various jurisdictions in which the Company operates and changes in the valuation of deferred tax assets. Income taxes for the year ended December 31, 2016 was a recovery of $2.5 million with an effective tax rate of (248.9)% compared to an expense of $2.8 million with an effective tax rate of 26.9% for the same period in 2015. The decrease in the effective tax rate for the year ended December 31, 2016 was primarily a result of the US operations utilizing and recognizing previously unrecognized deferred tax assets during 2016. ix) IMPAIRMENT OF FINANCIAL ASSETS xiii) NET INCOME Net income for the three months ended December 31, 2016 was $7.6 million compared to net income of $0.5 million for the same period in 2015. The factors impacting this are set out in the description of individual line items above. Net income for the year ended December 31, 2016 was $3.5 million compared to $9.5 million for the same period in 2015. The factors impacting this are set out in the description of individual line items above. Adjusted EBITDA1 for the three months ended December 31, 2016 has decreased by $0.8 million compared to the same period in 2015 (see table for adjusted EBITDA1 from continuing operations for the previous eight quarters in this MD&A). Adjusted EBITDA1 for the year ended December 31, 2016 has increased by $4.9 million as a result of stronger operating performance from all geographical segments. Following is a summary of finance costs for the year ended December 31, 2016 and December 31, 2015: (in thousands of Canadian dollars) Interest on credit facilities Interest on convertible debentures Interest on consent fee notes payable Non-cash accretion of convertible debentures Non-cash accretion of consent fee notes payable Other INTEREST EXPENSE, NET Financing costs Amortization of deferred financing costs Other OTHER FINANCE COSTS FINANCE COSTS YEAR ENDED DECEMBER 31, 2016 2015 3,057 5,872 255 15,403 479 487 25,553 - 1,041 601 1,642 27,195 5,458 7,781 248 6,283 436 1,586 21,792 334 245 329 908 22,700 13 – IBI Group Inc. – December 31, 2016 14 – IBI Group Inc. – December 31, 2016 1 See “Definition of Non-IFRS Measures”. T R O P E R L A U N N A 6 1 0 2 P U O R G I B I B-14 SUMMARY OF FOREIGN EXCHANGE IMPACT The following is a summary of the foreign exchange impact on revenue and total expenses for the three months and year ended December 31, 2016: (unaudited) (in thousands of Canadian dollars) THREE MONTHS ENDED DECEMBER 31, 2015 2016 FOREIGN EXCHANGE OPERATING CHANGE IMPACT CHANGE Revenue Total expenses, net of foreign exchange gain 86,841 84,913 1,928 318 1,610 78,455 77,785 670 320 350 (in thousands of Canadian dollars) Revenue Total expenses, net of foreign exchange loss YEAR ENDED DECEMBER 31, 2015 2016 FOREIGN EXCHANGE OPERATING CHANGE IMPACT CHANGE 354,140 327,092 27,048 2,243 24,805 318,440 296,796 21,644 1,870 19,774 B-15 15 – IBI Group Inc. – December 31, 2016 SUMMARY OF FOREIGN EXCHANGE IMPACT SELECTED ANNUAL INFORMATION The following is a summary of the foreign exchange impact on revenue and total expenses for the three months and year ended December 31, 2016: The selected information presented below should be read in conjunction with the applicable annual audited consolidated financial statements and related notes thereto, prepared in accordance with IFRS. YEAR ENDED (in thousands of Canadian dollars, except per share amounts) Revenue DECEMBER 31, DECEMBER 31, DECEMBER 31, 2015 2014 2016 $ 354,140 $ 327,092 $ 298,274 Net income from continuing operations Net loss from discontinued operations NET INCOME (LOSS) $ 3,494 $ 11,336 $ 5,919 $ - $ (1,873) $ (9,079) $ 3,494 $ 9,463 $ (3,160) Basic and diluted earnings per share Basic and diluted earnings per share from continuing operations Basic and diluted earnings per share from discontinued operations $ 0.11 $ 0.41 $ (0.14) $ 0.11 $ 0.49 $ 0.26 $ - $ (0.08) $ (0.40) (unaudited) DECEMBER 31, EXCHANGE OPERATING (in thousands of Canadian dollars) 2016 2015 CHANGE IMPACT CHANGE THREE MONTHS ENDED FOREIGN Revenue Total expenses, net of foreign exchange gain 86,841 84,913 1,928 318 1,610 78,455 77,785 670 320 350 (in thousands of Canadian dollars) 2016 2015 CHANGE IMPACT CHANGE YEAR ENDED DECEMBER 31, FOREIGN EXCHANGE OPERATING Revenue Total expenses, net of foreign exchange loss 354,140 327,092 27,048 2,243 24,805 318,440 296,796 21,644 1,870 19,774 (in thousands of Canadian dollars) DECEMBER 31, DECEMBER 31, DECEMBER 31, 2015 2014 2016 TOTAL ASSETS $ 261,810 $ 255,240 $ 252,063 Onerous lease provisions Consent fee notes payable Finance lease obligation Credit facilities Convertible debentures Other financial liabilities Deferred tax liabilities TOTAL LONG-TERM LIABILITIES $ 2,270 $ 3,244 $ 4,051 $ - $ - $ 2,631 $ 67 $ 104 $ 235 $ 73,184 $ 72,277 $ 63,423 $ 43,876 $ 84,720 $ 98,437 $ 9,089 $ - $ - $ 4,176 $ 6,660 $ 8,690 $ 132,662 $ 167,005 $ 177,467 NET INCOME FROM CONTINUING OPERATIONS In 2014, the Company’s net income from continuing operations was impacted by the write-off of accounts receivable and WIP. xiv) ADJUSTED EBITDA1 FROM CONTINUING OPERATIONS All of the factors outlined above have been adjusted for the discussion in the non-IFRS measure, Adjusted EBITDA1. The following summary of quarterly results outlines all the items which comprise the difference between net income (loss) from continuing operations in each of the following quarters. 15 – IBI Group Inc. – December 31, 2016 16 – IBI Group Inc. – December 31, 2016 1 See “Definition of Non-IFRS Measures”. T R O P E R L A U N N A 6 1 0 2 P U O R G I B I B-16 ADJUSTED EBITDA1 FROM CONTINUING OPERATIONS FOR THE PREVIOUS EIGHT QUARTERS The following table provides quarterly historical financial data for the Company for each of the eight most recently completed quarters. This information should be read in conjunction with the applicable interim unaudited and annual audited consolidated financial statements and related notes thereto, prepared in accordance with IFRS. (unaudited) (in thousands of Canadian dollars except for per share amounts) DECEMBER 31, 2016 SEPTEMBER 30, 2016 JUNE 30, MARCH 31, DECEMBER 2016 31, 2015 2016 SEPTEMBER 30, 2015 JUNE 30, MARCH 31, 2015 2015 Revenue 86,841 88,211 90,443 88,645 84,913 83,819 80,879 77,481 Net Income (Loss) Net Income (Loss) from continuing operations Add: Interest expense, net Current and deferred tax expense (recovery) Amortization and Depreciation 7,594 (4,728) 4,465 (3,837) 7,594 (4,728) 4,465 (3,837) 528 990 4,815 1,594 2,526 6,226 1,594 2,526 3,064 14,384 4,054 4,051 5,651 5,286 5,741 5,114 (1,580) (873) 234 (274) 1,762 695 966 751 1,461 2,945 1,345 14,856 1,242 5,530 1,277 5,054 1,399 8,812 1,247 7,228 1,168 7,875 994 6,859 EBITDA 10,539 10,128 9,995 1,217 9,802 13,454 9,469 9,385 EBITDA as a percentage of revenue Items excluded in calculation of Adjusted EBITDA1 12.1% 11.5% 11.1% 1.4% 11.5% 16.1% 11.7% 12.1% Foreign exchange (gain)/loss (1,215) (392) 1,723 7,247 (1,812) (3,908) 303 (3,282) Decrease in fair value of other financial liabilities Change in fair value of DSP Stock based compensation expenses Deferred financing charges (1,819) (85) 133 261 - 365 132 262 - 349 109 259 - 620 79 259 - 63 - 298 - (82) - 2 Onerous lease provision (334) (275) (119) (223) (222) (236) (196) Share of loss of equity accounted investee, net of tax - (3,059) - 92 - 32 150 226 2,321 8,014 (1,523) (3,998) 212 637 - - 231 (100) - 87 - 192 154 197 (2,839) Adjusted EBITDA1 7,480 10,220 12,316 9,231 8,279 9,456 10,106 6,546 Adjusted EBITDA1 as a percentage of revenue Earnings per share attributed to common shareholders Earnings per share attributed to common shareholders from continuing operations Weighted average share outstanding 8.6% 11.6% 13.6% 10.4% 9.7% 11.3% 12.5% 8.4% 0.24 (0.15) 0.14 (0.12) 0.02 0.21 0.07 0.11 0.24 (0.15) 0.14 (0.12) 0.04 0.27 0.07 0.11 26,020,418 24,966,744 24,966,744 24,966,744 17,985,213 17,808,484 17,808,484 17,808,484 1 See “Definition of Non-IFRS Measures”. 1 See “Definition of Non-IFRS Measures”. B-17 17 – IBI Group Inc. – December 31, 2016 ADJUSTED EBITDA1 FROM CONTINUING OPERATIONS FOR THE PREVIOUS IMPACT OF TRENDS ON QUARTERLY RESULTS The following table provides quarterly historical financial data for the Company for each of the eight most recently completed quarters. This information should be read in conjunction with the applicable interim unaudited and annual audited consolidated financial statements and related notes thereto, prepared in i) REVENUE Consolidated quarterly revenue is impacted by the available chargeable hours which are typically lowest in the third quarter following the summer as a result of staff taking vacations during the summer. Revenue was positively impacted in the third and fourth quarters of 2016 as a result of continuing work on significant transit projects. (in thousands of Canadian dollars except for per share amounts) DECEMBER SEPTEMBER JUNE 30, MARCH 31, DECEMBER SEPTEMBER JUNE 30, MARCH 31, 31, 2016 30, 2016 2016 2016 31, 2015 30, 2015 2015 2015 In addition, revenue is impacted by foreign exchange rates. Revenue 86,841 88,211 90,443 88,645 84,913 83,819 80,879 77,481 ii) NET INCOME (LOSS) FROM CONTINUING OPERATIONS Net income (loss) from continuing operations was negatively impacted in the first and second quarters of 2016 as a result of a foreign exchange loss of $7.2 million and $1.7 million, respectively. Net income from continuing operations was positively impacted in the first and fourth quarters of 2015 as a result of foreign exchange gains of $3.2 million and $1.8 million, respectively. The net loss in the third quarter of 2016 was negatively impacted by the accelerated accretion of $10.3 million resulting from the redemption of 6% and 7% debentures. Net income from continuing operations was positively impacted in the third quarter of 2015 as a result of foreign exchange gain of $3.9 million. Net income (loss) from continuing operations was positively impacted in the fourth quarter of 2016 by $1.2 million resulting from a foreign exchange gain and $1.8 million resulting from a gain on the fair value of other financial liabilities. LIQUIDITY AND CAPITAL RESOURCES WORKING CAPITAL The following table represents the working capital information: EIGHT QUARTERS accordance with IFRS. (unaudited) Net Income (Loss) Net Income (Loss) from continuing operations Add: Interest expense, net Current and deferred tax expense (recovery) Amortization and Depreciation EBITDA as a percentage of revenue Items excluded in calculation of Adjusted EBITDA1 7,594 (4,728) 4,465 (3,837) 4,815 1,594 2,526 7,594 (4,728) 4,465 (3,837) 6,226 1,594 2,526 528 990 3,064 14,384 4,054 4,051 5,651 5,286 5,741 5,114 (1,580) (873) 234 (274) 1,762 695 966 751 1,461 2,945 1,345 14,856 1,242 5,530 1,277 5,054 1,399 8,812 1,247 7,228 1,168 7,875 994 6,859 EBITDA 10,539 10,128 9,995 1,217 9,802 13,454 9,469 9,385 12.1% 11.5% 11.1% 1.4% 11.5% 16.1% 11.7% 12.1% Foreign exchange (gain)/loss (1,215) (392) 1,723 7,247 (1,812) (3,908) 303 (3,282) Decrease in fair value of other financial liabilities Change in fair value of DSP Stock based compensation expenses Deferred financing charges (1,819) (85) 133 261 - 365 132 262 - 92 - 349 109 259 - 620 79 259 - 63 - 298 - - 2 (82) 231 (100) - - 87 212 637 - - 192 154 197 Onerous lease provision (334) (275) (119) (223) (222) (236) (196) Share of loss of equity accounted investee, net of tax - - 32 150 226 (3,059) 2,321 8,014 (1,523) (3,998) (2,839) Adjusted EBITDA1 7,480 10,220 12,316 9,231 8,279 9,456 10,106 6,546 Adjusted EBITDA1 as a percentage of revenue Earnings per share attributed to common shareholders Earnings per share attributed to common shareholders from continuing operations Weighted average share outstanding 1 See “Definition of Non-IFRS Measures”. 8.6% 11.6% 13.6% 10.4% 9.7% 11.3% 12.5% 8.4% 0.24 (0.15) 0.14 (0.12) 0.02 0.21 0.07 0.11 0.24 (0.15) 0.14 (0.12) 0.04 0.27 0.07 0.11 26,020,418 24,966,744 24,966,744 24,966,744 17,985,213 17,808,484 17,808,484 17,808,484 1 See “Definition of Non-IFRS Measures”. 17 – IBI Group Inc. – December 31, 2016 18 – IBI Group Inc. – December 31, 2016 Current assets decreased by $0.2 million as at December 31, 2016 when compared with December 31, 2015. This was due to a decrease of $3.2 million of the current portion of restricted cash in 2016, a $3.2 million decrease in accounts receivable, a $1.2 million decrease in income taxes recoverable, offset by a $6.4 million increase in work in process, a $1.0 million increase in prepaid expenses and other current assets, and a nominal increase in cash. The current portion of restricted cash as at December 31, 2015 was related to the amount the Company has pledged as security for letters of credit issued by a foreign financial institution on behalf of a foreign subsidiary of the Company. These letters of credit are no longer expected to be released within the next twelve months (as the project has been extended) and have therefore been classified as long term as at December 31, 2016. Consistent with the continued increase in revenue, on a combined basis accounts receivable and WIP has increased by $3.2 million offset by an increase in deferred revenue. The increase in prepaid expenses and other current assets is primarily due to renewal of corporate insurance. T R O P E R L A U N N A 6 1 0 2 P U O R G I B I B-18 DECEMBER 31, 2015 $ 217,002 $ 217,220 $ (218) (5,826) (in thousands of Canadian dollars) Current assets Current liabilities WORKING CAPITAL 108,060 114,104 (6,044) DECEMBER 31, 2016 (103,116) (108,942) CHANGE There was a decrease in current assets due to foreign exchange as at December 31, 2016 of $6.8 million. Current liabilities increased by $5.8 million as at December 31, 2016 when compared with December 31, 2015. This was due to a nominal decrease in accounts payable and accrued liabilities, a $4.2 million decrease in vendor notes payable, a decrease in the current portion of finance lease obligation of $0.1 million, a decrease in the consent fee notes payable of $3.1 million, offset by an increase in deferred revenue of $11.8 million, an increase in income taxes payable of $0.1 million and a nominal increase in onerous lease provisions. The increase in deferred revenue of $11.8 million is a result of accelerated billings. The decrease in vendor notes payable of $4.2 million is due to repayment of the vendor notes during the second quarter of 2016. The decrease in consent fee notes payable of $3.1 million is due to repayment of the consent fee upon maturity in the fourth quarter of 2016. There was a decrease in current liabilities due to foreign exchange as at December 31, 2016 of $2.9 million. WORKING CAPITAL MEASURED IN NUMBER OF DAYS OF GROSS BILLINGS1 Included in working capital of the Company are amounts reflecting project costs and sub-consultant expenses. The Company only reports its net fee volume as revenue, which would not include the billings for the recovery of these incurred costs. Therefore, to measure number of days outstanding of working capital, the gross billings, which include the billings for recovery of project expenses, would result in a more consistent calculation. The table below calculates working days on a trailing twelve month basis, measured as days outstanding on gross billings, which is estimated to be approximately 27% greater than net fee volume. WORKING DAYS OF GROSS BILLINGS OUTSTANDING1 Accounts receivable WIP Deferred revenue DECEMBER 31, SEPTEMBER 30, 2016 (unaudited) 2016 (unaudited) JUNE 30, 2016 (unaudited) MARCH 31, DECEMBER 31, 2016 (unaudited) 2015* (unaudited) 60 49 (29) 80 57 50 (25) 82 55 49 (21) 83 58 48 (24) 82 62 45 (22) 85 *These figures have been adjusted to exclude results from discontinued operations. The days sales outstanding as at December 31, 2016 has decreased by 5 days compared to December 31, 2015. The Company continues to carry out regular comprehensive reviews of its WIP and accounts receivable and has achieved significant improvements in the results of the billings and collections process. Improving the days outstanding in WIP and accounts receivable is a significant area of focus for the Company. There are ongoing programs and initiatives to accelerate billings and to reduce days outstanding. COMPONENTS OF WORKING CAPITAL (in millions of Canadian dollars) Accounts receivable WIP Deferred revenue DECEMBER 31, SEPTEMBER 30, 2016 2016 (unaudited) JUNE 30, 2016 (unaudited) MARCH 31, DECEMBER 31, 2016 (unaudited) 2015* 108.6 87.0 (50.5) 145.1 106.0 93.5 (46.3) 153.2 102.5 90.4 (39.3) 153.6 104.2 86.5 (42.1) 148.6 111.8 80.6 (38.7) 153.7 *These figures have been adjusted to exclude results from discontinued operations. 1 See “Definition of Non-IFRS Measures”. B-19 19 – IBI Group Inc. – December 31, 2016 There was a decrease in current assets due to foreign exchange as at December 31, 2016 of $6.8 million. Current liabilities increased by $5.8 million as at December 31, 2016 when compared with December 31, 2015. This was due to a nominal decrease in accounts payable and accrued liabilities, a $4.2 million decrease in vendor notes payable, a decrease in the current portion of finance lease obligation of $0.1 million, a decrease in the consent fee notes payable of $3.1 million, offset by an increase in deferred revenue of $11.8 million, an increase in income taxes payable of $0.1 million and a nominal increase in onerous lease provisions. The increase in deferred revenue of $11.8 million is a result of accelerated billings. The decrease in vendor notes payable of $4.2 million is due to repayment of the vendor notes during the second quarter of 2016. The decrease in consent fee notes payable of $3.1 million is due to repayment of the consent fee upon maturity in the fourth quarter of 2016. There was a decrease in current liabilities due to foreign exchange as at December 31, 2016 of $2.9 million. WORKING CAPITAL MEASURED IN NUMBER OF DAYS OF GROSS BILLINGS1 Included in working capital of the Company are amounts reflecting project costs and sub-consultant expenses. The Company only reports its net fee volume as revenue, which would not include the billings for the recovery of these incurred costs. Therefore, to measure number of days outstanding of working capital, the gross billings, which include the billings for recovery of project expenses, would result in a more consistent calculation. The table below calculates working days on a trailing twelve month basis, measured as days outstanding on gross billings, which is estimated to be approximately 27% greater than net fee volume. WORKING DAYS OF GROSS BILLINGS OUTSTANDING1 Accounts receivable WIP Deferred revenue DECEMBER 31, SEPTEMBER 30, JUNE 30, MARCH 31, DECEMBER 31, 2016 2016 2016 2016 2015* (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) 60 49 (29) 80 57 50 (25) 82 55 49 (21) 83 58 48 (24) 82 62 45 (22) 85 *These figures have been adjusted to exclude results from discontinued operations. The days sales outstanding as at December 31, 2016 has decreased by 5 days compared to December 31, 2015. The Company continues to carry out regular comprehensive reviews of its WIP and accounts receivable and has achieved significant improvements in the results of the billings and collections process. Improving the days outstanding in WIP and accounts receivable is a significant area of focus for the Company. There are ongoing programs and initiatives to accelerate billings and to reduce days outstanding. COMPONENTS OF WORKING CAPITAL (in millions of Canadian dollars) Accounts receivable WIP Deferred revenue DECEMBER 31, SEPTEMBER 30, JUNE 30, MARCH 31, DECEMBER 31, 2016 2016 2016 2016 2015* (unaudited) (unaudited) (unaudited) 108.6 87.0 (50.5) 145.1 106.0 93.5 (46.3) 153.2 102.5 90.4 (39.3) 153.6 104.2 86.5 (42.1) 148.6 111.8 80.6 (38.7) 153.7 *These figures have been adjusted to exclude results from discontinued operations. 1 See “Definition of Non-IFRS Measures”. i) Accounts Receivable The table below demonstrates the aging of receivables: Accounts receivable aging (net of allowance) (in thousands of Canadian dollars) Current 30 to 90 days Over 90 days TOTAL DECEMBER 31, 2016 % SEPTEMBER 30, 2016 % JUNE 30, 2016 % MARCH 31, 2016 DECEMBER 31, 2015 % % (unaudited) (unaudited) (unaudited) 46,057 29,315 33,221 108,593 42 27 31 100 43,196 32,340 30,470 41 30 29 106,006 100 38,580 34,350 29,524 38 33 29 102,454 100 40,145 30,847 33,228 38 30 32 104,220 100 44,283 30,614 36,874 40 27 33 111,771 100 Accounts receivable has decreased by $3.1 million since December 31, 2015. There was a decrease in accounts receivable due to foreign exchange during the year ended December 31, 2016 of $3.5 million compared to an increase due to foreign exchange of $10.3 million for the same period in 2015. As a result of continued progress on implementing the Enterprise Resource Planning (“ERP”) system and the ramp up of significant transit projects, the Company experienced an increase in WIP and a decrease in accounts receivable. The Company focused on ensuring that the overall days sales outstanding during the three and twelve month periods maintained stability to minimize the risk to the working capital of the firm. It is a major initiative of senior management to improve the timeliness of billings so that outstanding invoices can be collected sooner. ii) Work In Process WIP has increased by $6.4 million since December 31, 2015. There was a decrease in WIP due to foreign exchange during the year ended December 31, 2016 of $2.7 million compared to an increase due to foreign exchange of $5.7 million for the same period in 2015. As a result of continued progress on implementing the ERP system and the ramp up of significant transit projects, the Company experienced an increase in WIP and a decrease in accounts receivable. The Company focused on ensuring that the overall days sales outstanding during the three and twelve month periods maintained stability to minimize the risk to the working capital of the firm. The Company monitors WIP to ensure that any accounts where billing may be an issue are being dealt with in a timely manner. iii) Deferred Revenue Deferred revenue has increased by $11.8 million since December 31, 2015. There was a decrease in deferred revenue due to foreign exchange during the year ended December 31, 2016 of $0.7 million compared to an increase due to foreign exchange of $1.8 million for the same period in 2015. This increase is a result of the Company’s continued efforts to improve the timeliness of billings as described above. The balance is monitored on a regular basis to ensure that amounts are recognized in fee revenue appropriately. 19 – IBI Group Inc. – December 31, 2016 20 – IBI Group Inc. – December 31, 2016 T R O P E R L A U N N A 6 1 0 2 P U O R G I B I B-20 CASH FLOWS Cash flows from operating, financing, and investing activities, as reflected in the Consolidated Statement of Cash Flows, are summarized in the following tables: (in thousands of Canadian dollars) (unaudited) Cash flows provided by operating activities Cash flows used in financing activities Cash flows (used in) provided by investing activities (in thousands of Canadian dollars) Cash flows provided by operating activities Cash flows used in financing activities Cash flows used in investing activities OPERATING ACTIVITIES THREE MONTHS ENDED DECEMBER 31, 2016 2015 $ 17,247 $ 14,248 $ 2,999 (20,243) 11,936 (24,329) 7,420 (4,086) (4,516) CHANGE YEAR ENDED DECEMBER 31, 2016 2015 $ 30,850 $ 30,826 $ 24 (1,008) 5,150 (22,118) (12,120) (23,126) (6,970) CHANGE Cash flows from operating activities for the three months ended December 31, 2016 were $17.2 million increased by $3.0 million compared to cash flows provided by operating activities of $14.2 million for the same period last year. The increase in operating cash flows is primarily the result of an increase in Adjusted EBITDA1 of $0.8 million, a reduction in interest paid of $2.5 million, an increase in non-cash operating working capital of $4.4 million and an increase in income taxes paid of $0.6 million. Cash flows from operating activities for the year ended December 31, 2016 were $30.8 million compared to $30.8 million for the same period last year. The nominal change in cash flows is primarily the result of a decrease in non-cash operating working capital of $11.0 million, a nominal decrease in income taxes paid, offset by a decrease in interest paid of $6.2 million and an increase in Adjusted EBITDA1 of $4.9 million. FINANCING ACTIVITIES Cash flows used in financing activities for the three months ended December 31, 2016 were $24.3 million compared with $4.1 million for the same period last year. During the three months ended December 31, 2016, the Company took advances of $36.7 million from its credit facilities offset by $57.5 million from redemption of convertible debentures and $3.5 million from settling the consent fee payable. During the same period in 2015, the Company took advances of $15.0 million from its credit facilities, and redeemed its convertible debentures for $20.0 million and received cash issuance of shares under the rights offering for $5.6 million. Cash flows used in financing activities for the year ended December 31, 2016 were $23.1 million compared to $22.1 million for the same period last year. During the year ended December 31, 2016 the Company repaid advances of $1.3 million on its credit facilities, repaid vendor notes of $4.1 million and consent fee of $3.5 million, and used $14.1 million in cash related to activities on convertible debentures during the year. In comparison to 2015, the Company repaid $1.6 million of vendor notes, repaid $2.6 million towards its credit facilities, redeemed its convertible debentures for $20.0 million and received cash issuance of 1 See “Definition of Non-IFRS Measures”. B-21 21 – IBI Group Inc. – December 31, 2016 CASH FLOWS Cash flows from operating, financing, and investing activities, as reflected in the Consolidated Statement of Cash Flows, are summarized in the following tables: (in thousands of Canadian dollars) (unaudited) Cash flows provided by operating activities Cash flows used in financing activities Cash flows (used in) provided by investing activities (in thousands of Canadian dollars) Cash flows provided by operating activities Cash flows used in financing activities Cash flows used in investing activities OPERATING ACTIVITIES THREE MONTHS ENDED DECEMBER 31, 2016 2015 CHANGE $ 17,247 $ 14,248 $ 2,999 (24,329) 7,420 (4,086) (4,516) (20,243) 11,936 YEAR ENDED DECEMBER 31, 2016 2015 CHANGE $ 30,850 $ 30,826 $ 24 (23,126) (6,970) (22,118) (12,120) (1,008) 5,150 Cash flows from operating activities for the three months ended December 31, 2016 were $17.2 million increased by $3.0 million compared to cash flows provided by operating activities of $14.2 million for the same period last year. The increase in operating cash flows is primarily the result of an increase in Adjusted EBITDA1 of $0.8 million, a reduction in interest paid of $2.5 million, an increase in non-cash operating working capital of $4.4 million and an increase in income taxes paid of $0.6 million. Cash flows from operating activities for the year ended December 31, 2016 were $30.8 million compared to $30.8 million for the same period last year. The nominal change in cash flows is primarily the result of a decrease in non-cash operating working capital of $11.0 million, a nominal decrease in income taxes paid, offset by a decrease in interest paid of $6.2 million and an increase in Adjusted EBITDA1 of $4.9 million. FINANCING ACTIVITIES Cash flows used in financing activities for the three months ended December 31, 2016 were $24.3 million compared with $4.1 million for the same period last year. During the three months ended December 31, 2016, the Company took advances of $36.7 million from its credit facilities offset by $57.5 million from redemption of convertible debentures and $3.5 million from settling the consent fee payable. During the same period in 2015, the Company took advances of $15.0 million from its credit facilities, and redeemed its convertible debentures for $20.0 million and received cash issuance of shares under the rights offering for $5.6 million. Cash flows used in financing activities for the year ended December 31, 2016 were $23.1 million compared to $22.1 million for the same period last year. During the year ended December 31, 2016 the Company repaid advances of $1.3 million on its credit facilities, repaid vendor notes of $4.1 million and consent fee of $3.5 million, and used $14.1 million in cash related to activities on convertible debentures during the year. In comparison to 2015, the Company repaid $1.6 million of vendor notes, repaid $2.6 million towards its credit facilities, redeemed its convertible debentures for $20.0 million and received cash issuance of 1 See “Definition of Non-IFRS Measures”. shares under the rights offering for $5.6 million. In addition, deferred financing costs of $2.8 million incurred on the refinancing of the credit facilities was classified as a financing activity INVESTING ACTIVITIES Cash flows provided by investing activities for the three months ended December 31, 2016 were $7.2 million compared to $4.5 million used by investing activities for the same period last year. During the three months ended December 31, 2016, $2.6 million was used for capital expenditures related to property and equipment, $0.4 million was used for expenditures related to capitalized costs incurred in the continued progress on the Company’s new ERP system and advances of $10.4 million was drawn from the restricted cash sinking fund and was used to redeem the convertible debentures. During the same period in December 31, 2015, $1.8 million was used for capital expenditures related to property and equipment, $0.8 million was used for expenditures related to capitalized costs incurred in the continued progress on the Company’s new ERP system, and $2.0 million was used to fund restricted cash. Cash flows used in investing activities for the year ended December 31, 2016 were $7.0 million compared to $12.1 million for the same period last year. During the year ended December 31, 2016, $5.5 million was used for capital expenditures related to property and equipment, $2.1 million was used for expenditures related to capitalized costs incurred in the continued progress on the Company’s new ERP system and advances of $0.6 million was drawn from restricted cash sinking fund. During the same period in December 31, 2015, $5.6 million was used for capital expenditures related to property and equipment, $1.7 million was used for expenditures related to capitalized costs incurred in the continued progress on the Company’s new ERP system, and $4.9 million was used to fund restricted cash. CREDIT FACILITY On October 5, 2015, IBI Group secured an agreement to refinance its credit facilities under the existing banking agreement with its senior lenders. The new arrangement consists of a $90.0 million revolver facility, of which a maximum of $10.0 million is available under a swing line facility and will mature on June 30, 2018. The commitment under the swing line facility will reduce availability under the revolver facility on a dollar-for-dollar basis. As at December 31, 2016 the interest rate on Canadian dollar borrowings was 5.58% (December 31, 2015 – 4.95%) and 6.25% on US dollar borrowings (December 31, 2015 – 6.0%). The additional deposits in the Sinking Fund are pledged to repay the credit facilities or convertible debentures, and as security in the event of default. During the three months ended December 31, 2016, the Company withdrew $13.7 million from the Sinking Fund to redeem its convertible debentures and made the required deposits to the Sinking Fund of $3.25 million in the same quarter. IBI Group will earn interest on the deposits in the Sinking Fund based on the Canadian dollar prime rate less an applicable margin. Transactions to the Sinking Fund have been recognized inclusive of interest earned as an investing activity in the consolidated statement of cash flows. On November 8, 2016, the Company’s quarterly Sinking Fund contribution was modified to $2,240 per quarter beginning on March 2017. As at December 31, 2016, IBI Group has borrowings of $74.7 million under the credit facilities, which has been recognized in the consolidated statement of financial position net of deferred financing costs of $1.5 million. IBI Group has letters of credit outstanding of $8.0 million as at December 31, 2016, of which $5.8 million is issued under a $7.5 million facility which matures on July 31, 2017 and supports letters of credit backstopped by Export Development Canada. Advances under the revolver facility bear interest at a rate based on the Canadian dollar prime rate or US dollar base rate, LIBOR or Banker’s Acceptance rates plus, in each case, an applicable margin. At December 31, 2016, $32.1 million was outstanding under Bankers’ Acceptance with the remainder borrowed as Prime Rate debt. 21 – IBI Group Inc. – December 31, 2016 22 – IBI Group Inc. – December 31, 2016 T R O P E R L A U N N A 6 1 0 2 P U O R G I B I B-22 As at December 31, 2015, IBI Group had borrowings of $74.9 million under the credit facilities which had been recognized in the consolidated statement of financial position net of deferred financing costs of $2.6 million. IBI Group had issued letters of credit of $5.3 million as at December 31, 2015, of which $3.1 million is issued under the $5.0 million facility which matured on July 31, 2016 and supports letters of credit backstopped by Export Development Canada. Advances under the revolver facility bear interest at a rate based on the Canadian dollar prime rate or US dollar base rate, LIBOR or Banker’s Acceptance rates plus, in each case, an applicable margin. As at December 31, 2015, $30.0 million was outstanding under Bankers’ Acceptance with the remainder borrowed as prime rate debt. The facility is subject to compliance with certain financial, reporting and other covenants. The financial covenants under the new agreement include a leverage ratio, interest coverage ratio, minimum Adjusted EBITDA1 threshold, and restrictions on distributions, if certain conditions are not met. IBI Group was in compliance with its credit facility covenants as at December 31, 2016. Continued compliance with the covenants under the amended credit facilities is dependent on IBI Group achieving revenue forecasts, profitability, reducing costs and the continued improvement of working capital. Market conditions are difficult to predict and there is no assurance that IBI Group will achieve its forecasts. In the event of non-compliance, IBI Group’s lenders have the right to demand repayment of the amounts outstanding under the lending agreements or pursue other remedies if IBI Group cannot reach an agreement with its lenders to amend or waive the financial covenants. As in the past, IBI Group will carefully monitor its compliance with the covenants and will seek waivers, subject to lender approval, as may become necessary from time to time. SECURITY INTEREST OF SENIOR LENDERS Guarantees from certain subsidiaries of IBI Group as well as IBI Group Architects (Ontario), and a first ranking security interest in all of the assets of IBI Group and the guarantors, subject to certain permitted encumbrances, have been pledged as security for the indebtedness and obligations of IBI Group under the credit facilities. The indebtedness secured by these security interests will rank senior to all other security over the assets of IBI Group and the guarantors, subject to certain permitted encumbrances. NOTES PAYABLE The movement in the vendor notes payable for the year ended December 31, 2016 is as follows: (in thousands of Canadian dollars) Balance, January 1, 2015 Repayment Foreign exchange Balance, December 31, 2015 Repayment Foreign exchange BALANCE, DECEMBER 31, 2016 $ $ $ 5,013 (1,609) 834 4,238 (4,076) (162) - The Company had notes payable due to the former owners of acquired businesses of $2.8 million which was due on September 30, 2014 and the remaining balance was due on December 11, 2014. In January 1 See “Definition of Non-IFRS Measures”. B-23 23 – IBI Group Inc. – December 31, 2016 As at December 31, 2015, IBI Group had borrowings of $74.9 million under the credit facilities which had been recognized in the consolidated statement of financial position net of deferred financing costs of $2.6 million. IBI Group had issued letters of credit of $5.3 million as at December 31, 2015, of which $3.1 million is issued under the $5.0 million facility which matured on July 31, 2016 and supports letters of credit backstopped by Export Development Canada. Advances under the revolver facility bear interest at a rate based on the Canadian dollar prime rate or US dollar base rate, LIBOR or Banker’s Acceptance rates plus, in each case, an applicable margin. As at December 31, 2015, $30.0 million was outstanding under Bankers’ Acceptance with the remainder borrowed as prime rate debt. The facility is subject to compliance with certain financial, reporting and other covenants. The financial covenants under the new agreement include a leverage ratio, interest coverage ratio, minimum Adjusted EBITDA1 threshold, and restrictions on distributions, if certain conditions are not met. IBI Group was in compliance with its credit facility covenants as at December 31, 2016. Continued compliance with the covenants under the amended credit facilities is dependent on IBI Group achieving revenue forecasts, profitability, reducing costs and the continued improvement of working capital. Market conditions are difficult to predict and there is no assurance that IBI Group will achieve its forecasts. In the event of non-compliance, IBI Group’s lenders have the right to demand repayment of the amounts outstanding under the lending agreements or pursue other remedies if IBI Group cannot reach an agreement with its lenders to amend or waive the financial covenants. As in the past, IBI Group will carefully monitor its compliance with the covenants and will seek waivers, subject to lender approval, as may become necessary from time to time. SECURITY INTEREST OF SENIOR LENDERS Guarantees from certain subsidiaries of IBI Group as well as IBI Group Architects (Ontario), and a first ranking security interest in all of the assets of IBI Group and the guarantors, subject to certain permitted encumbrances, have been pledged as security for the indebtedness and obligations of IBI Group under the credit facilities. The indebtedness secured by these security interests will rank senior to all other security over the assets of IBI Group and the guarantors, subject to certain permitted encumbrances. The movement in the vendor notes payable for the year ended December 31, 2016 is as follows: NOTES PAYABLE (in thousands of Canadian dollars) Balance, January 1, 2015 Repayment Foreign exchange Balance, December 31, 2015 Repayment Foreign exchange BALANCE, DECEMBER 31, 2016 $ $ $ 5,013 (1,609) 834 4,238 (4,076) (162) - The Company had notes payable due to the former owners of acquired businesses of $2.8 million which was due on September 30, 2014 and the remaining balance was due on December 11, 2014. In January 1 See “Definition of Non-IFRS Measures”. 2015, the Company agreed to an extension of the maturity of the notes payable to June 30, 2016. Monthly payments on these notes payable were US $0.1 million until May 31, 2016 with a balloon payment of US $2.6 million due June 30, 2016. The movement in the consent fee notes payable for the year ended December 31, 2016 is as follows: Balance, December 31, 2015 Accretion Repayment BALANCE, DECEMBER 31, 2016 TOTAL 3,067 1,097 (4,164) - $ $ $ See Note 6 - Financial Instruments of the audited consolidated financial statements for further details regarding the issuance of consent fee notes related to the amendment of the 7.0% debentures during 2014. 23 – IBI Group Inc. – December 31, 2016 24 – IBI Group Inc. – December 31, 2016 T R O P E R L A U N N A 6 1 0 2 P U O R G I B I B-24 CONVERTIBLE DEBENTURES The Company had the following series of convertible debentures outstanding as at December 31, 2016 and 2015. 5.75% Debentures (redeemed) Balance January 1, 2015 Accretion of 5.75% Debentures 2015 Redemption of 5.75% Debentures (December 2015) Balance at December 31, 2015 6.0% Debentures (redeemed) Balance at January 1, 2015 Accretion of 6.0% Debentures 2015 Balance at December 31, 2015 Accretion of 6.0% Debentures 2016 Redemption of 6.0% Debentures (October 2016) Redemption of 6.0% Debentures (December 2016) Balance at December 31, 2016 7.0% Debentures (matures on June 30, 2019) Balance at January 1, 2015 Accretion of 7.0% Debentures 2015 Balance at December 31, 2015 Accretion of 7.0% Debentures 2016 Conversion of 7.0% Debentures (October 2016) Balance at December 31, 2016 5.5% Debentures (matures on December 31, 2021) Balance at January 1, 2016 Issuance of 5.5% Debentures (September 2016) Accretion of 5.5% Debentures 2016 Decrease in fair value of other financial liabilities (December 2016) Balance at December 31, 2016 LIABILITY COMPONENT EQUITY COMPONENT OTHER FINANCIAL LIABILITY COMPONENT TOTAL 18,838 1,162 (20,000) - 896 - (896) - 54,266 3,206 836 55,102 2,398 (43,810) (13,690) - 25,333 4,285 29,618 12,486 (31,245) 10,859 - 32,498 519 - 33,017 - 3,206 - (2,443) (763) - 1,750 - 1,750 - (1,189) 561 - - - - - - - - - - - - - - - - - - - - - - - 19,734 1,162 (20,896) - 57,472 836 58,308 2,398 (46,253) (14,453) - 27,083 4,285 31,368 12,486 (32,434) 11,420 - 10,908 43,406 - 519 (1,819) 9,089 (1,819) 42,106 BALANCE, DECEMBER 31, 2016 $ 43,876 $ 561 $ 9,089 $ 53,526 5.5% DEBENTURES ($46.0 MILLION PRINCIPAL, MATURES ON DECEMBER 31, 2021) In September 2016, the Company issued 5.5% Debentures of $46.0 million with a maturity date of December 31, 2021. The 5.5% Debentures are convertible into common shares of the Company at the option of the holder at a conversion price of $8.35 per common share. The 5.5% Debentures are not redeemable at the option of the Company before December 31, 2019. The 5.5% Debentures are redeemable by the Company at a price of $1,000 per 5.5% Debenture, plus accrued and unpaid interest, on or after December 31, 2019 and prior to December 31, 2020 (provided that the volume weighted average trading price of the shares of the Company on the TSX for the 20 consecutive trading days ending five trading days preceding the date on which notice of redemption is given, is not less than 125% of the B-25 25 – IBI Group Inc. – December 31, 2016 CONVERTIBLE DEBENTURES 2015. The Company had the following series of convertible debentures outstanding as at December 31, 2016 and 5.75% Debentures (redeemed) Balance January 1, 2015 Accretion of 5.75% Debentures 2015 Redemption of 5.75% Debentures (December 2015) Balance at December 31, 2015 6.0% Debentures (redeemed) Balance at January 1, 2015 Accretion of 6.0% Debentures 2015 Balance at December 31, 2015 Accretion of 6.0% Debentures 2016 Redemption of 6.0% Debentures (October 2016) Redemption of 6.0% Debentures (December 2016) Balance at December 31, 2016 7.0% Debentures (matures on June 30, 2019) Balance at January 1, 2015 Accretion of 7.0% Debentures 2015 Balance at December 31, 2015 Accretion of 7.0% Debentures 2016 Conversion of 7.0% Debentures (October 2016) Balance at December 31, 2016 5.5% Debentures (matures on December 31, 2021) Balance at January 1, 2016 Issuance of 5.5% Debentures (September 2016) Accretion of 5.5% Debentures 2016 Decrease in fair value of other financial liabilities (December 2016) Balance at December 31, 2016 LIABILITY EQUITY COMPONENT COMPONENT COMPONENT TOTAL OTHER FINANCIAL LIABILITY 54,266 3,206 18,838 1,162 (20,000) - 836 55,102 2,398 (43,810) (13,690) - 25,333 4,285 29,618 12,486 (31,245) 10,859 32,498 519 - - 33,017 896 (896) 3,206 (2,443) (763) 1,750 1,750 (1,189) 561 - - - - - - - - - - - - 19,734 1,162 (20,896) - 57,472 836 58,308 2,398 (46,253) (14,453) - 27,083 4,285 31,368 12,486 (32,434) 11,420 - - - - - - - - - - - - - - - - - - - 10,908 43,406 - 519 (1,819) 9,089 (1,819) 42,106 BALANCE, DECEMBER 31, 2016 $ 43,876 $ 561 $ 9,089 $ 53,526 5.5% DEBENTURES ($46.0 MILLION PRINCIPAL, MATURES ON DECEMBER 31, 2021) In September 2016, the Company issued 5.5% Debentures of $46.0 million with a maturity date of December 31, 2021. The 5.5% Debentures are convertible into common shares of the Company at the option of the holder at a conversion price of $8.35 per common share. The 5.5% Debentures are not redeemable at the option of the Company before December 31, 2019. The 5.5% Debentures are redeemable by the Company at a price of $1,000 per 5.5% Debenture, plus accrued and unpaid interest, on or after December 31, 2019 and prior to December 31, 2020 (provided that the volume weighted average trading price of the shares of the Company on the TSX for the 20 consecutive trading days ending five trading days preceding the date on which notice of redemption is given, is not less than 125% of the conversion price of $8.35 per share). On or after December 31, 2020 and prior to the maturity date, the 5.5% Debentures are redeemable by the Company at a price of $1,000 per 5.5% Debenture, plus accrued and unpaid interest. The 5.5% Debentures bear interest from the date of issue at 5.5% per annum, payable in equal semi-annual payments in arrears on June 30th and December 31st of each year, commencing June 30, 2017. The 5.5% Debentures are recorded as a hybrid financial instrument. The non-derivative debt (interest and principal portion) was recorded at fair value on the date of issue and was recognized at $32.5 million which was net of deferred financing costs of $2.6 million. The fair value of the 5.5% non-derivative debt component was $35.1 million and was estimated using discounted future cash flows at an estimated discount rate of 11.5%. Subsequently the non-derivative debt component is measured at amortized cost using the effective interest method over the life of the debenture. The derivative component of this hybrid financial instrument representing the conversion feature of the 5.5% Debentures was measured at fair value of $10.9 million at the date of issuance, and recorded as part of Other Financial Liabilities in the statement of financial position. As at December 31, 2016, the fair value of the derivative component was $9.1 million. On September 30, 2016, the net proceeds of $43.4 million from the issuance of the 5.5% Debentures were used to repay the Company’s credit facilities. 6.0% DEBENTURES ($57.5 MILLION PRINCIPAL, REDEEMED ON OCTOBER 24, 2016 AND DECEMBER 30, 2016) On October 24, 2016, the Company financed the partial redemption of its 6.0% Debentures for $43.8 million cash from the credit facilities, plus paid accrued and unpaid interest up to but excluding the redemption date. On December 30, 2016, the Company redeemed the remaining portion of the 6.0% Debentures for $13.7 million cash, plus paid accrued and unpaid interest up to but excluding the redemption date. The 6.0% Debentures were accreted to principal upon each redemption date, resulting in $2.4 million of accretion expense being recognized in the consolidated statement of comprehensive income (loss) during the year ended December 31, 2016. The equity component of $3.2 million was reclassified to contributed surplus upon redemption. 25 – IBI Group Inc. – December 31, 2016 26 – IBI Group Inc. – December 31, 2016 T R O P E R L A U N N A 6 1 0 2 P U O R G I B I B-26 7.0% DEBENTURES ($46.0 MILLION PRINCIPAL, OPTION A MATURES ON JUNE 30, 2019 AND OPTIONS B AND C REDEEMED ON OCTOBER 31, 2016) On July 23, 2014, the Company entered into a supplemental trust indenture with CIBC Mellon Trust Company, the trustee for the 7.0% convertible unsecured subordinated debentures (“Debentures”) which were originally scheduled to mature on December 31, 2014, to give effect to the amendments approved at a special meeting of the Debenture holders to extend the maturity of the Debentures to June 30, 2019. In exchange for the extension of the maturity, Debenture holders that delivered and did not withdraw a valid proxy voting for the extension received either; a reduced conversion price to $5.00 per share from $19.17 per share with a consent fee note equal to $86.96 per $1,000 principal amount of Debentures (“Option B”) or the Debenture holders retained the conversion price of $19.17 per share and received a consent fee note equal to $195.65 per $1,000 principal amount of Debentures (“Option A”). The conversion price was also reduced to $5.00 per share from $19.17 per share for Debenture holders who did not deposit a proxy, abstained from voting or voted against the Debenture amendments (“Option C”). The Debentures bear interest from the date of issue at 7.0% per annum, payable in equal semi-annual payments in arrears on June 30th and December 31st of each year. The consent fee notes are unsecured, non-convertible, mature on December 31, 2016 and bear interest at the rate of 7.0% per annum which is payable on maturity. The amendments to the Debentures resulted in them being accounted for as extinguishments for accounting purposes. Consequently, the original Debentures were derecognized and the new Debentures (under Option A, B and C) were recognized at fair value. On October 31, 2016, the Company redeemed the 7.0% Debentures under Options B and C (“IBG.DB”). The holders of $29.9 million principal of the 7.0% Debentures had exercised the $5 share conversion option and received 5,997,600 shares. For the balance of $1.2 million principal of the 7.0% Debentures, the Company issued 222,476 shares. The financial liability being redeemed under Options B and C were accreted to the full principal value, resulting in total accretion expense of $12.5 million being recognized in the consolidated statement of comprehensive income (loss) during the year ended December 31, 2016. See Description of Variances in Operating Results Part xiii for further detail regarding the accretion expense for the period. The Company recorded $31,245 in common shares and reclassified the equity component of the portion redeemed of $1.2 million to contributed surplus. The fair value of the remaining 7.0% Debentures under Option A is $15.0 million (December 31, 2015 - $10.6 million). The consent fee notes issued under Option A and B were paid in full upon maturity as at December 31, 2016. FINANCIAL RISK MANAGEMENT The Company has exposure to market, credit and liquidity risk. The Company’s primary risk management objective is to protect the Company’s audited consolidated statement of financial position, comprehensive income (loss) and cash flow in support of sustainable growth and earnings. The Company’s financial risk management activities are governed by financial policies that cover risk identification, tolerance, measurement, authorization levels, and reporting. MARKET RISK INTEREST RATE RISK The Company’s credit facilities have floating-rate debt, which subjects it to interest rate cash flow risk. Advances under these credit facilities bear interest at a rate based on the Canadian dollar or US dollar prime rate, LIBOR or banker’s acceptance rates, plus, in each case, an applicable margin. B-27 27 – IBI Group Inc. – December 31, 2016 7.0% DEBENTURES ($46.0 MILLION PRINCIPAL, OPTION A MATURES ON JUNE 30, 2019 AND OPTIONS B AND C REDEEMED ON OCTOBER 31, 2016) If the interest rate on the Company’s variable rate loan balance as at December 31, 2016, had been 50 basis points higher or lower, with all other variables held constant, net income from continuing operations for the year ended December 31, 2016 would have decreased or increased by approximately $0.3 million. On July 23, 2014, the Company entered into a supplemental trust indenture with CIBC Mellon Trust Company, the trustee for the 7.0% convertible unsecured subordinated debentures (“Debentures”) which CURRENCY RISK were originally scheduled to mature on December 31, 2014, to give effect to the amendments approved at a special meeting of the Debenture holders to extend the maturity of the Debentures to June 30, 2019. In exchange for the extension of the maturity, Debenture holders that delivered and did not withdraw a valid proxy voting for the extension received either; a reduced conversion price to $5.00 per share from $19.17 per share with a consent fee note equal to $86.96 per $1,000 principal amount of Debentures (“Option B”) or the Debenture holders retained the conversion price of $19.17 per share and received a consent fee note equal to $195.65 per $1,000 principal amount of Debentures (“Option A”). The conversion price was also reduced to $5.00 per share from $19.17 per share for Debenture holders who did not deposit a proxy, abstained from voting or voted against the Debenture amendments (“Option C”). The Debentures bear interest from the date of issue at 7.0% per annum, payable in equal semi-annual payments in arrears on June 30th and December 31st of each year. The consent fee notes are unsecured, non-convertible, mature on December 31, 2016 and bear interest at the rate of 7.0% per annum which is payable on maturity. The amendments to the Debentures resulted in them being accounted for as extinguishments for accounting purposes. Consequently, the original Debentures were derecognized and the new Debentures (under Option A, B and C) were recognized at fair value. On October 31, 2016, the Company redeemed the 7.0% Debentures under Options B and C (“IBG.DB”). The holders of $29.9 million principal of the 7.0% Debentures had exercised the $5 share conversion option and received 5,997,600 shares. For the balance of $1.2 million principal of the 7.0% Debentures, the Company issued 222,476 shares. The financial liability being redeemed under Options B and C were accreted to the full principal value, resulting in total accretion expense of $12.5 million being recognized in the consolidated statement of comprehensive income (loss) during the year ended December 31, 2016. See Description of Variances in Operating Results Part xiii for further detail regarding the accretion expense for the period. The Company recorded $31,245 in common shares and reclassified the equity component of the portion redeemed of $1.2 million to contributed surplus. The fair value of the remaining 7.0% Debentures under Option A is $15.0 million (December 31, 2015 - $10.6 million). The consent fee notes issued under Option A and B were paid in full upon maturity as at December 31, 2016. FINANCIAL RISK MANAGEMENT The Company has exposure to market, credit and liquidity risk. The Company’s primary risk management objective is to protect the Company’s audited consolidated statement of financial position, comprehensive income (loss) and cash flow in support of sustainable growth and earnings. The Company’s financial risk management activities are governed by financial policies that cover risk identification, tolerance, measurement, authorization levels, and reporting. MARKET RISK INTEREST RATE RISK The Company’s credit facilities have floating-rate debt, which subjects it to interest rate cash flow risk. Advances under these credit facilities bear interest at a rate based on the Canadian dollar or US dollar prime rate, LIBOR or banker’s acceptance rates, plus, in each case, an applicable margin. The Company’s foreign exchange risk is the risk that the fair value of the future cash flows of a financial instrument will fluctuate as a result of changes in foreign exchange rates. The Company’s policy has been to economically hedge foreign exchange exposures rather than purchasing currency swaps and forward foreign exchange contracts. Foreign exchange gains or losses in the Company’s net income arise on the translation of foreign- denominated intercompany loans held in the Company’s Canadian operations and financial assets and liabilities held in the Company’s foreign operations. The Company minimizes its exposure to foreign exchange fluctuations on these items by matching US dollar liabilities when possible. If the exchange rates had been 100 basis points higher or lower during the year ended and as at December 31, 2016, with all other variables held constant, total comprehensive income would have increased or decreased by $0.3 million for the year ended December 31, 2016. If the exchange rates had been 100 basis points higher or lower during the year ended December 31, 2016, with all other variables held constant, net income would have increased or decreased by $0.1 million for the year ended December 31, 2016. CREDIT RISK Financial instruments that subject the Company to credit risk consist primarily of accounts receivable. The Company maintains an allowance for estimated credit losses on accounts receivable. The estimate is based on the best assessment of the ultimate collection of the related accounts receivable balance based, in part, on the age of the outstanding accounts receivable and on its historical impairment loss experience. A significant portion of the accounts receivable are due from government and public institutions. Receivables that are neither past due nor impaired are considered by management to have no significant collection risk. The liquidity of customers and their ability to pay receivables are considered by management to have no significant collection risk. The liquidity of customers and their ability to pay receivables are considered in assessing the impairment of such assets. No collateral is held in respect of impaired assets or assets that are past due but not impaired. LIQUIDITY RISK The Company strives to maintain sufficient financial liquidity to withstand sudden adverse changes in economic circumstances. Management forecasts cash flows for its current and subsequent fiscal years to identify financing requirements. These requirements are then addressed through a combination of committed credit facilities and access to capital markets. On October 5, 2015, IBI Group signed an amendment to refinance its credit facilities with its senior lenders. See liquidity and capital resources section of this MD&A for more details. As at December 31, 2016, a foreign subsidiary of the Company had issued letters of credit in the amount of US $2.3 million. The Company has pledged US $2.3 million (December 31, 2015 – US $2.3 million) of cash as security for these letters of credit issued by a foreign financial institution on behalf of the foreign subsidiary. 27 – IBI Group Inc. – December 31, 2016 28 – IBI Group Inc. – December 31, 2016 T R O P E R L A U N N A 6 1 0 2 P U O R G I B I B-28 CONTRACTUAL OBLIGATIONS As part of continuing operations, the Company enters into contractual obligations from time to time. The table below summarizes the contractual obligations due on financial liabilities and commitments as of December 31, 2016: Contractual Obligations Payment Due by Period (in millions of Canadian dollars) Accounts payable and accrued liabilities Credit facilities1 Interest on credit facilities1,2 Convertible debentures Interest on convertible debentures3 Finance lease obligation Operating leases TOTAL CONTRACTUAL OBLIGATIONS LESS THAN 1 YEAR TOTAL 1-3 YEARS 4-5 YEARS AFTER 5 YEARS $ 55.5 $ 55.5 $ - $ - $ - - - - 73.2 - 43.9 74.7 1.9 14.8 - - 46.0 - 3.9 - - 0.1 144.3 3.6 - 26.0 6.6 0.1 36.8 5.1 - 28.5 - - 53.0 $ 317.0 $ 89.0 $ 134.9 $ 79.6 $ 53.0 1 See liquidity risk section of this MD&A. 2 Advances under the revolver facility bear interest at a rate based on the Canadian dollar prime rate or US dollar base rate, LIBOR or Banker’s Acceptance rates plus, in each case, an applicable margin. 3 Includes the amount of cash interest due on the convertible debentures and does not include non-cash accretion. CAPITAL MANAGEMENT The Company’s objective in managing capital is to maintain a capital base that will maintain investor, creditor, and market confidence and to sustain future growth within the business. The Company defines its capital as the aggregate of credit facilities, convertible debentures, and equity. The Company has reviewed its anticipated revenues and costs over future years and has determined that the business has the ability to generate sufficient cash resources to fund its activities. A downturn in the economy or other unfavourable events may cause this situation to change. In conjunction with this analysis, the Company’s financing strategy is to access capital markets to raise debt and equity financing and utilize the banking market to provide committed term and operating credit facilities to support its short-term and long-term cash flow needs. FUTURE CASH GENERATION Specific items of consideration in future cash generation are as follows: 1. ABILITY TO GENERATE SUFFICIENT CASH The Company’s existing business plan indicates that future earnings and cash flow generated will be sufficient to pay down and re-finance existing amounts outstanding within current thresholds acceptable to lenders. Reference should be made to commentary on forward looking statements in this document. B-29 29 – IBI Group Inc. – December 31, 2016 CONTRACTUAL OBLIGATIONS 2. CIRCUMSTANCES THAT COULD AFFECT FUNDING As part of continuing operations, the Company enters into contractual obligations from time to time. The table below summarizes the contractual obligations due on financial liabilities and commitments as of December 31, 2016: Contractual Obligations Payment Due by Period (in millions of Canadian dollars) TOTAL 1 YEAR YEARS YEARS 1-3 4-5 AFTER 5 YEARS LESS THAN Accounts payable and accrued liabilities Credit facilities1 Interest on credit facilities1,2 Convertible debentures Interest on convertible debentures3 Finance lease obligation Operating leases TOTAL CONTRACTUAL OBLIGATIONS 1 See liquidity risk section of this MD&A. $ 55.5 $ 55.5 $ - $ - $ - 73.2 - 43.9 - 0.1 144.3 3.9 - - 3.6 - 26.0 74.7 1.9 14.8 6.6 0.1 36.8 - - 46.0 5.1 - 28.5 - - - - - 53.0 $ 317.0 $ 89.0 $ 134.9 $ 79.6 $ 53.0 2 Advances under the revolver facility bear interest at a rate based on the Canadian dollar prime rate or US dollar base rate, LIBOR or Banker’s Acceptance rates plus, in each case, an applicable margin. 3 Includes the amount of cash interest due on the convertible debentures and does not include non-cash accretion. CAPITAL MANAGEMENT The Company’s objective in managing capital is to maintain a capital base that will maintain investor, creditor, and market confidence and to sustain future growth within the business. The Company defines its capital as the aggregate of credit facilities, convertible debentures, and equity. The Company has reviewed its anticipated revenues and costs over future years and has determined that the business has the ability to generate sufficient cash resources to fund its activities. A downturn in the economy or other unfavourable events may cause this situation to change. In conjunction with this analysis, the Company’s financing strategy is to access capital markets to raise debt and equity financing and utilize the banking market to provide committed term and operating credit facilities to support its short-term and long-term cash flow needs. FUTURE CASH GENERATION Specific items of consideration in future cash generation are as follows: 1. ABILITY TO GENERATE SUFFICIENT CASH The Company’s existing business plan indicates that future earnings and cash flow generated will be sufficient to pay down and re-finance existing amounts outstanding within current thresholds acceptable to lenders. Reference should be made to commentary on forward looking statements in this document. In the event that capital markets deteriorate or the Company does not execute on its business plan this will affect ability to attract and / or generate sufficient funds. 3. WORKING CAPITAL REQUIREMENTS In the short term the business has sufficient financing to fund its working capital requirements. Management is implementing procedures and systems that are expected to assist management with their objective to reduce the level of working capital on the balance sheet. If achieved, this will reduce existing borrowing amounts. 4. SITUATIONS INVOLVING EXTENDED PAYMENT There are situations where arrangements with clients result in extended payment arrangements on projects. Management is implementing procedures and systems to improve cash flow forecasting before contracts are signed with clients to continue to ensure that sufficient cash flow is generated from each project. 5. CIRCUMSTANCES THAT IMPACT ESSENTIAL TRANSACTIONS Certain larger projects in the architecture and engineering marketplace require capital investment to participate in the business opportunity. While the Company will continue to participate in these activities it will continue to do so only where probability of sufficient cash flow generation is determined at the beginning of the project. 6. SOURCES OF FUNDS TO MEET CAPITAL EXPENDITURE REQUIREMENTS With the exception of 2014, where new leases were signed on two major offices, the Company does not have significant capital needs in relation to its cash generating ability. In the event that capital markets deteriorate or the Company does not execute on its business plan this situation may change. Reference should be made to commentary on forward looking statements in this document. 7. CREDIT FACILITY On October 5, 2015, IBI Group secured an agreement to refinance its Credit Facilities under the existing banking arrangement with its senior lenders. See liquidity risk section of this MD&A. 8. CONVERTIBLE DEBENTURES As outlined above, the Company has two series of debentures that provide a basis of capital which requires repayment or refinancing over the period from June 2018 to December 2021. SHARE CAPITAL The Company is authorized to issue an unlimited number of common shares. As at March 8, 2017, the Company’s common share capital consisted of 31,188,486 shares issued and outstanding. Each share entitles the holder to one vote at all meetings of shareholders. The 6,282,222 Class B partnership units of IBI Group are indirectly exchangeable for common shares of the Company on the basis of one share of the Company for each Class B subordinated partnership unit. If all such Class B partnership units of IBI Group had been exchanged for shares on December 31, 2016, the units issued on such exchange would have represented a 16.8% interest in the Company. 29 – IBI Group Inc. – December 31, 2016 30 – IBI Group Inc. – December 31, 2016 T R O P E R L A U N N A 6 1 0 2 P U O R G I B I B-30 Class B partnership units do not entitle the holder to voting rights at the meetings of shareholders. The Class B partnership units have been recorded as a non-controlling interest in the consolidated financial statements as at December 31, 2016. SHARE ISSUANCES  During the year ended December 31, 2016, the Company issued 6,220,076 common shares upon redemption of 7.0% Debentures Options B and C valued at $31.2 million. ACCUMULATED OTHER COMPREHENSIVE LOSS  During the three months ended December 31, 2016, the Company incurred a loss of $1.1 million related to the translation of financial statements of foreign operations, of which 83.2% is attributable to common shareholders.  During the year ended December 31, 2016, the Company incurred a loss of $0.2 million related to the translation of financial statements of foreign operations, of which 83.2% is attributable to common shareholders. TRANSACTIONS WITH RELATED PARTIES Pursuant to the Administration Agreement, IBI Group and certain of its subsidiaries are paying to the Management Partnership an amount representing the base compensation for the services of the partners of the Management Partnership. The amount paid for such services during the year ended December 31, 2016 was $23.7 million (2015 - $24.1 million). As at December 31, 2016, the Company advanced $0.3 million to the Management Partnership for payment of future compensation for the services of the partners (December 31, 2015 – $1.0). As at December 31, 2016, there were 87 partners (December 31, 2015 – 91 partners). IBI Group from time to time makes a monthly distribution to each Class B partnership unit holder equal to the dividend per share (on a pre-tax basis) declared to each shareholder. All of the Class B partnership units are held by the Management Partnership. As at December 31, 2016 and 2015, the amount of distributions payable to the Management Partnership were $nil. As noted in Note 18 – Share Based Compensation of the audited consolidated financial statements, during the year the Company issued stock options to management under the terms of the Company’s stock option plan. CRITICAL ACCOUNTING ESTIMATES AND JUDGMENTS The preparation of these consolidated financial statements requires management to exercise judgment and make estimates and assumptions that affect the application of accounting policies on reported amounts of assets and liabilities, disclosure of contingent liabilities at the date of the consolidated statement of financial position, and the reported amounts of revenue and expenses for the period covered by the consolidated statement of comprehensive income (loss). Actual amounts may differ from these estimates. Within the context of these consolidated financial statements, a judgment is a decision made by management in respect of the application of an accounting policy, a recognized or unrecognized financial statement amount and/or note disclosure, following an analysis of relevant information that may include estimates and assumptions. Estimates and assumptions are used mainly in determining the measurement of balances recognized or disclosed in the consolidated financial statements and are based on a set of underlying data that may include management’s historical experience, knowledge of current events and B-31 31 – IBI Group Inc. – December 31, 2016 Class B partnership units do not entitle the holder to voting rights at the meetings of shareholders. The Class B partnership units have been recorded as a non-controlling interest in the consolidated financial conditions and other factors that are believed to be reasonable under the circumstances. Management continually evaluates the estimates and judgments it uses. statements as at December 31, 2016. SHARE ISSUANCES  During the year ended December 31, 2016, the Company issued 6,220,076 common shares upon redemption of 7.0% Debentures Options B and C valued at $31.2 million. ACCUMULATED OTHER COMPREHENSIVE LOSS  During the three months ended December 31, 2016, the Company incurred a loss of $1.1 million related to the translation of financial statements of foreign operations, of which 83.2% is attributable to common shareholders.  During the year ended December 31, 2016, the Company incurred a loss of $0.2 million related to the translation of financial statements of foreign operations, of which 83.2% is attributable to common shareholders. TRANSACTIONS WITH RELATED PARTIES Pursuant to the Administration Agreement, IBI Group and certain of its subsidiaries are paying to the Management Partnership an amount representing the base compensation for the services of the partners of the Management Partnership. The amount paid for such services during the year ended December 31, 2016 was $23.7 million (2015 - $24.1 million). As at December 31, 2016, the Company advanced $0.3 million to the Management Partnership for payment of future compensation for the services of the partners (December 31, 2015 – $1.0). As at December 31, 2016, there were 87 partners (December 31, 2015 – 91 partners). plan. IBI Group from time to time makes a monthly distribution to each Class B partnership unit holder equal to the dividend per share (on a pre-tax basis) declared to each shareholder. All of the Class B partnership units are held by the Management Partnership. As at December 31, 2016 and 2015, the amount of distributions payable to the Management Partnership were $nil. As noted in Note 18 – Share Based Compensation of the audited consolidated financial statements, during the year the Company issued stock options to management under the terms of the Company’s stock option CRITICAL ACCOUNTING ESTIMATES AND JUDGMENTS The preparation of these consolidated financial statements requires management to exercise judgment and make estimates and assumptions that affect the application of accounting policies on reported amounts of assets and liabilities, disclosure of contingent liabilities at the date of the consolidated statement of financial position, and the reported amounts of revenue and expenses for the period covered by the consolidated statement of comprehensive income (loss). Actual amounts may differ from these estimates. Within the context of these consolidated financial statements, a judgment is a decision made by management in respect of the application of an accounting policy, a recognized or unrecognized financial statement amount and/or note disclosure, following an analysis of relevant information that may include estimates and assumptions. Estimates and assumptions are used mainly in determining the measurement of balances recognized or disclosed in the consolidated financial statements and are based on a set of underlying data that may include management’s historical experience, knowledge of current events and Information about judgments made in applying accounting policies that have the most significant impact on the amounts recognized in the consolidated financial statements are as follows: REVENUE RECOGNITION The Company also enters into contracts that require multiple deliverables, which can include software and hardware elements. Management applies judgment when assessing whether certain deliverables in a customer arrangement should be included or excluded from a unit of account to which contract accounting is applied. The judgment is typically related to the sale and inclusion of third party hardware and licenses in a customer arrangement, and involves an assessment that principally addresses whether the deliverable has stand-alone value to the customer that is not dependent upon other components of the arrangement. RECOVERABILITY OF ACCOUNTS RECEIVABLE The Company records accounts receivable net of impairment losses determined based on the age of the outstanding receivables, factors specific to individual clients and its historical collection and loss experience. Information about assumptions and estimation uncertainties that have a significant impact on the amounts recognized in the consolidated financial statements for the year ended December 31, 2016 are as follows: REVENUE RECOGNITION AND DEFERRED REVENUE The Company accounts for certain of its revenue in accordance with IAS 11 Construction Contracts, (“IAS 11”) which requires estimates to be made for contract costs and revenues and IAS 18 Revenue (“IAS 18”). Revenue from fixed-fee and variable-fee-with-ceiling contracts is recognized using the percentage of completion method based on the ratio of professional costs incurred to total estimated professional costs. Estimating total professional costs is subjective and requires the use of management’s best estimate based on the information available at that point in time. The Company also provides for estimated losses on contracts in-progress in the period in which such losses are determined. Deferred revenue is recorded when billings to the clients exceeds the revenue that has been earned based on effort completed at the date of the consolidated statement of financial position. Changes in the estimates are reflected in the period in which they are made and would affect the Company’s revenue and work in process. ACCURACY OF WORK IN PROCESS The Company records its work in process based on the time and materials charged into each project. The work in process for each project is reviewed on a monthly basis to determine whether the amounts recorded are recoverable. Where the review determines that the value of work in process exceeds the amount that can be invoiced, review of project budgets is performed to determine whether an adjustment is required to the percentage of completion to accurately reflect revenue earned to date. The percentage complete is determined by estimating the professional costs to be incurred to complete the project. 31 – IBI Group Inc. – December 31, 2016 32 – IBI Group Inc. – December 31, 2016 T R O P E R L A U N N A 6 1 0 2 P U O R G I B I B-32 ONEROUS LEASE PROVISIONS The Company recognizes provisions when there is a present legal or constructive obligation as a result of past events, it is probable that an outflow of resources will be required to settle the obligation, and the amount can be reliably estimated. Management has recorded a provision related to lease exit liabilities which requires estimation of the expected sublease income and discount rate reflective of the risk specific to the obligation. DETERMINING PROBABLE FUTURE UTILIZATION OF TAX LOSS CARRYFORWARDS Deferred tax assets are recognized for all unused tax losses to the extent that it is probable that taxable profit will be available against which the losses can be utilized. Significant management judgment is required to determine the amount of deferred tax assets that can be recognized, based on the likely timing and the level of future taxable profits, together with future tax-planning strategies. ACCOUNTING DEVELOPMENTS a) ACCOUNTING POLICY CHANGES ADOPTED IN 2016 Annual Improvements to IFRS (2012 - 2014) Cycles In September 2014, the IASB issued narrow-scope amendments to a total of four standards as part of its annual improvements process. The IASB uses the annual improvements process to make non-urgent but necessary amendments to IFRS. The Company adopted these amendments in its consolidated financial statements for the annual period beginning on January 1, 2016. The adoption of the amendments did not have a material impact on the consolidated financial statements. IAS 1 Presentation of Financial Statements In December 2014, the IASB issued amendments to IAS 1 Presentation of Financial Statements, to provide guidance on the application of judgment in the preparation of financial statements and disclosures. The Company adopted these amendments in is consolidated financial statements for the annual period beginning on January 1, 2016. The adoption of these amendments did not have a material impact on the consolidated financial statements. IFRS 11 Joint Arrangements In May 2014, IFRS 11 Joint Arrangements (“IFRS 11”) was amended to require an acquisition of a joint operation that constitutes a business to be accounted for using the principles of business combinations in IFRS 3 Business Combinations. This amendment applies to both initial and additional interest acquired in the joint operation. The Company adopted the amendments to IFRS 11 in its consolidated financial statements for the annual period beginning on January 1, 2016. The adoption of these amendments did not have a material impact on the interim financial statements. B-33 33 – IBI Group Inc. – December 31, 2016 ONEROUS LEASE PROVISIONS The Company recognizes provisions when there is a present legal or constructive obligation as a result of past events, it is probable that an outflow of resources will be required to settle the obligation, and the amount can be reliably estimated. Management has recorded a provision related to lease exit liabilities which requires estimation of the expected sublease income and discount rate reflective of the risk specific to the obligation. DETERMINING PROBABLE FUTURE UTILIZATION OF TAX LOSS CARRYFORWARDS Deferred tax assets are recognized for all unused tax losses to the extent that it is probable that taxable profit will be available against which the losses can be utilized. Significant management judgment is required to determine the amount of deferred tax assets that can be recognized, based on the likely timing and the level of future taxable profits, together with future tax-planning strategies. ACCOUNTING DEVELOPMENTS a) ACCOUNTING POLICY CHANGES ADOPTED IN 2016 Annual Improvements to IFRS (2012 - 2014) Cycles In September 2014, the IASB issued narrow-scope amendments to a total of four standards as part of its annual improvements process. The IASB uses the annual improvements process to make non-urgent but necessary amendments to IFRS. The Company adopted these amendments in its consolidated financial statements for the annual period beginning on January 1, 2016. The adoption of the amendments did not have a material impact on the consolidated financial statements. IAS 1 Presentation of Financial Statements The Company adopted these amendments in is consolidated financial statements for the annual period beginning on January 1, 2016. The adoption of these amendments did not have a material impact on the consolidated financial statements. IFRS 11 Joint Arrangements In May 2014, IFRS 11 Joint Arrangements (“IFRS 11”) was amended to require an acquisition of a joint operation that constitutes a business to be accounted for using the principles of business combinations in IFRS 3 Business Combinations. This amendment applies to both initial and additional interest acquired in the joint operation. The Company adopted the amendments to IFRS 11 in its consolidated financial statements for the annual period beginning on January 1, 2016. The adoption of these amendments did not have a material impact on the interim financial statements. b) FUTURE ACCOUNTING POLICY CHANGES NOT YET ADOPTED Amendments to IAS 7 Statement of Cash Flows In January 2016, the IASB issued Disclosure Initiative (Amendments to IAS 7). The amendments apply prospectively for annual periods beginning on or after January 1, 2017. Earlier application is permitted. The amendments require disclosures that enable users of financial statements to evaluate changes in liabilities arising from financing activities, including both changes arising from cash flow and non-cash changes. The Company intends to adopt the amendments to IAS 7 in its financial statements for the annual period beginning on January 1, 2017. The adoption of these amendments is not expected to have a material impact on the Company’s financial statements. Amendments to IAS 12 Income Taxes In January 2016, the IASB issued Amendments to IAS 12 Income Taxes to provide clarification on the requirements relating to the recognition of deferred tax assets for unrealized losses on debt instruments measured at fair value. The amendments apply retrospectively for annual periods beginning on or after January 1, 2017. Earlier application is permitted. The amendments clarify that the existence of a deductible temporary difference depends solely on a comparison of the carrying amount of an asset and its tax base at the end of the reporting period, and is not affected by possible future changes in the carrying amount or expected manner of recovery of the asset. The amendments also clarify the methodology to determine the future taxable profits used for assessing the utilization of deductible temporary differences. The Company intends to adopt the amendments to IAS 12 in its financial statements for the annual period beginning on January 1, 2017. The adoption of these amendments is not expected to have a material impact on the Company’s financial statements. In December 2014, the IASB issued amendments to IAS 1 Presentation of Financial Statements, to provide guidance on the application of judgment in the preparation of financial statements and disclosures. IFRS 15 Revenue from Contracts with Customers In May 2014, the IASB issued IFRS 15 Revenue from Contracts with Customers (“IFRS 15”). The new standard is effective for annual periods beginning on or after January 1, 2018 and is available for early adoption. IFRS 15 will replace IAS 11, IAS 18, IFRIC 13 Customer Loyalty Programmes, IFRIC 15 Agreements for the Construction of Real Estate, IFRIC 18 Transfer of Assets from Customers, and SIC 31 Revenue – Barter Transactions Involving Advertising Services. The new standard contains a single model that applies to contracts with customers and two approaches for recognizing revenue: at a point in time or over time. The model features a contract-based five-step analysis of individual transactions to determine whether, how much and when revenue is recognized. New estimates and judgmental thresholds have been introduced, which may affect the amount and/or timing of revenue recognized. In April 2016, the IASB issued Clarifications to IFRS 15, which is effective at the same time as IFRS 15. The clarifications to IFRS 15 provide additional guidance with respect to the five-step analysis, transition, and the application of the standard to licenses of intellectual property. 33 – IBI Group Inc. – December 31, 2016 34 – IBI Group Inc. – December 31, 2016 T R O P E R L A U N N A 6 1 0 2 P U O R G I B I B-34 The Company intends to adopt IFRS 15 in its consolidated financial statements for the annual period beginning January 1, 2018. The Company has set out a plan to review contracts in multiple operating segments that may be impacted by the adoption of this standard. The Company is in the initial phase of the project plan as it has identified a sample of significant contracts within each operating segment for initial review in accordance with the IFRS 15. The extent of the impact of adoption of the standard has not yet been determined, but management expects the contracts for software license agreements that are accounted for as multiple-element arrangements will have the most complexity. The Company has not yet determined which transition method it will apply or whether it will use the optional exemptions or practical expedients available under the standard. IFRS 9 Financial Instruments In July 2014, the IASB issued the final version of IFRS 9 Financial Instruments (“IFRS 9”), with a mandatory effective date for annual periods beginning on or after January 1, 2018. Early adoption is permitted. The new standard brings together the classification and measurements, impairment and hedge accounting phases of the IASB’s project to replace IAS 39 Financial Instruments: Recognition and Measurement. In addition to the new requirements for classification and measurement of financial assets, a new general hedge accounting model and other amendments issued in previous versions of IFRS 9, the standard also introduces new impairment requirements that are based on a forward-looking expected credit loss model. The Company intends to adopt IFRS 9 in its consolidated financial statements for the annual period beginning January 1, 2018. The extent of the impact of the adoption of IFRS 9 has not yet been determined. IFRS 16 Leases In January 2016, the IASB issued IFRS 16 Leases (“IFRS 16”). The new standard is effective for annual periods beginning on or after January 1, 2019, with earlier adoption permitted if IFRS 15 has been adopted. IFRS 16 will replace IAS 17 Leases. The new standard requires all leases to be reported on the balance sheet unless certain criteria for exclusion are met. The Company intends to adopt IFRS 16 in its consolidated financial statements for the annual period beginning on January 1, 2019. The extent of the impact of adoption of the standard has not yet been determined. Amendments to IFRS 2 Classification and Measurement of Share-Based Payment Transactions In June 2016, the IASB issued Amendments to IFRS 2 Share-Based Payments (“IFRS 2”), clarifying how to account for certain types of share-based payment transactions. The amendments apply for annual periods beginning on or after January 1, 2018. As a practical simplification, the amendments can be applied prospectively or retrospectively, with early application permitted if information is available without the use of hindsight. The amendments provide requirements on the accounting for the effects of vesting and non-vesting conditions on the measurement of cash-settled share-based payments, share based payment transactions with a net settlement feature for withholding tax obligations, and a modification to the terms and conditions of a share-based payment that changes the classification of the transaction from cash-settled to equity- settled. The Company intends to adopt the amendments to IFRS 2 in its consolidated financial statements for the annual period beginning January 1, 2018. The extent of the impact of the adoption of the standard has not yet been determined. B-35 35 – IBI Group Inc. – December 31, 2016 The Company intends to adopt IFRS 15 in its consolidated financial statements for the annual period IFRIC 22 Foreign Currency Transactions and Advance Consideration beginning January 1, 2018. The Company has set out a plan to review contracts in multiple operating segments that may be impacted by the adoption of this standard. The Company is in the initial phase of the project plan as it has identified a sample of significant contracts within each operating segment for initial review in accordance with the IFRS 15. The extent of the impact of adoption of the standard has not yet been determined, but management expects the contracts for software license agreements that are accounted for as multiple-element arrangements will have the most complexity. The Company has not yet determined which transition method it will apply or whether it will use the optional exemptions or practical expedients available under the standard. IFRS 9 Financial Instruments In July 2014, the IASB issued the final version of IFRS 9 Financial Instruments (“IFRS 9”), with a mandatory effective date for annual periods beginning on or after January 1, 2018. Early adoption is permitted. The new standard brings together the classification and measurements, impairment and hedge accounting phases of the IASB’s project to replace IAS 39 Financial Instruments: Recognition and Measurement. In addition to the new requirements for classification and measurement of financial assets, a new general hedge accounting model and other amendments issued in previous versions of IFRS 9, the standard also introduces new impairment requirements that are based on a forward-looking expected credit loss model. The Company intends to adopt IFRS 9 in its consolidated financial statements for the annual period beginning January 1, 2018. The extent of the impact of the adoption of IFRS 9 has not yet been determined. IFRS 16 Leases In January 2016, the IASB issued IFRS 16 Leases (“IFRS 16”). The new standard is effective for annual periods beginning on or after January 1, 2019, with earlier adoption permitted if IFRS 15 has been adopted. IFRS 16 will replace IAS 17 Leases. The new standard requires all leases to be reported on the balance sheet unless certain criteria for exclusion are met. The Company intends to adopt IFRS 16 in its consolidated financial statements for the annual period beginning on January 1, 2019. The extent of the impact of adoption of the standard has not yet been determined. Amendments to IFRS 2 Classification and Measurement of Share-Based Payment Transactions In June 2016, the IASB issued Amendments to IFRS 2 Share-Based Payments (“IFRS 2”), clarifying how to account for certain types of share-based payment transactions. The amendments apply for annual periods beginning on or after January 1, 2018. As a practical simplification, the amendments can be applied prospectively or retrospectively, with early application permitted if information is available without the use of hindsight. settled. The amendments provide requirements on the accounting for the effects of vesting and non-vesting conditions on the measurement of cash-settled share-based payments, share based payment transactions with a net settlement feature for withholding tax obligations, and a modification to the terms and conditions of a share-based payment that changes the classification of the transaction from cash-settled to equity- The Company intends to adopt the amendments to IFRS 2 in its consolidated financial statements for the annual period beginning January 1, 2018. The extent of the impact of the adoption of the standard has not yet been determined. On December 8, 2016 the IASB issued IFRIC Interpretation 22 Foreign Currency Transactions and Advance Consideration (“IFRIC 22”). The Interpretation clarifies which date should be used for translation when a foreign currency transaction involves an advance payment or receipt. The Interpretation is applicable for annual periods beginning on or after January 1, 2018. Earlier application is permitted. The Company intends to adopt the Interpretation in its financial statements for the annual period beginning on January 1, 2018. The extent of the impact of adoption of the interpretation has not yet been determined. DISCLOSURE CONTROLS AND PROCEDURES AND INTERNAL CONTROL OVER FINANCIAL REPORTING As required by National Instrument 52-109 of the Canadian Securities Administrators, the Company’s Chief Executive Officer (“CEO”) and Chief Financial Officer (“CFO”) will be making certifications related to the information contained in the Company’s quarterly filings. As part of certification, the CEO and CFO must certify as to the design of disclosure controls and procedures (“DC&P”) and internal controls over financial reporting (“ICFR”). DC&P are designed to provide reasonable assurance that information required to be disclosed by the Company is processed and reported on a timely basis to the Company’s management, including the CEO and CFO, as appropriate, to allow timely decisions with respect to required disclosure. The Company has adopted or formalized such controls as it believes are necessary and consistent with its business and internal management and supervisory practices. ICFR is a process designed to provide reasonable assurances regarding the reliability of the Company’s financial reporting and of the preparation of financial statements for external purposes in compliance with generally accepted accounting principles. A control system, no matter how well designed and operated, can provide only reasonable, not absolute, assurance with respect to the reliability of the financial reporting and of the preparation of the financial statements. The Company’s CEO and CFO have evaluated, or caused to be evaluated under their supervision, the effectiveness of the Company’s ICFR and disclosure controls and DC&P as at December 31, 2016, and have concluded that such controls and procedures are effective. There have been no changes in the Company’s internal control over financial reporting that occurred during the period beginning on January 1, 2016, and ended on December 31, 2016, that have materially affected, or are reasonably likely to materially affect, the Company’s internal control over financial reporting. DEFINITION OF NON-IFRS MEASURES Non-IFRS measures do not have a standardized meaning within IFRS and are therefore unlikely to be comparable to additional measures presented by other issuers. In commentary and tables within this document IFRS measures are presented along with non-IFRS measures. Where non-IFRS measures are used, there is a reconciliation to IFRS amounts provided. Any changes in the definition of non-IFRS are disclosed and quantified. 1. ADJUSTED EBITDA The Company believes that Adjusted EBITDA, defined below, is an important measure for investors to understand the Company’s ability to generate cash to honour its obligations. Management of the Company believes that in addition to net income (loss), Adjusted EBITDA is a useful supplemental measure as it provides readers with an indication of cash available for debt service, capital expenditures, income taxes and dividends. Readers should be cautioned, however, that EBITDA should not be construed as an alternative to net income (loss) determined in accordance with IFRS as an indicator of the Company’s performance or to cash flows from operating activities as a measure of liquidity and cash flows. 35 – IBI Group Inc. – December 31, 2016 36 – IBI Group Inc. – December 31, 2016 T R O P E R L A U N N A 6 1 0 2 P U O R G I B I B-36 The Company defines Adjusted EBITDA in accordance with what is required in its lending agreements with its senior lenders. References in this MD&A to Adjusted EBITDA are based on net income adjusted for the following items: - Gain/loss arising from extraordinary, unusual or non-recurring items, such as debt extinguishments - Acquisition costs and deferred consideration revenue (i.e. restructuring costs, integration costs, compensation expenses, transaction fees and expenses) - Non-cash expenses (i.e. grant of stock options, restricted share units or Capital stock to employees as compensation) - Gain/Loss realized upon the disposal of capital property - Gain/loss on foreign exchange translation - Gain/loss on purchase or redemption of securities issued by that person or any subsidiary - Gain/loss on fair valuation of financial instruments - Amounts attributable to minority equity investments - Interest income Adjusted EBITDA is not a recognized measure under IFRS and does not have a standardized meaning prescribed by IFRS, and the Company’s method of calculating Adjusted EBITDA may differ from the methods used by other similar entities. Accordingly, Adjusted EBITDA may not be comparable to similar measures used by such entities. Reconciliations of net income (loss) to adjusted EBITDA have been provided under the heading “Results of Operations”. 2. WORKING CAPITAL MEASURED IN NUMBER OF DAYS OF GROSS BILLINGS Included in working capital of the Company are amounts reflecting project costs and sub-consultant expenses. The Company only reports its net fee volume as revenue, which would not include the billings for the recovery of these incurred costs. Therefore to measure number of days outstanding of working capital, the gross billings, which include the billings for recovery of project expenses, would result in a more consistent calculation. The information included is calculated based on working days on a twelve month trailing basis, measured as days outstanding on gross billings, which is estimated to be approximately 27% greater than net fee volume. The Company believes that informing investors of its progress in managing its accounts receivable, work- in-process and deferred revenue is important for investors to anticipate cash flows from the business and to compare the Company with other businesses that operate in the same industry. B-37 37 – IBI Group Inc. – December 31, 2016 The Company defines Adjusted EBITDA in accordance with what is required in its lending agreements with its senior lenders. BOARD OF DIRECTORS, IBI GROUP MANAGEMENT TEAM SHAREHOLDER INFORMATION References in this MD&A to Adjusted EBITDA are based on net income adjusted for the following items: - Gain/loss arising from extraordinary, unusual or non-recurring items, such as debt extinguishments - Acquisition costs and deferred consideration revenue (i.e. restructuring costs, integration costs, compensation expenses, transaction fees and expenses) - Non-cash expenses (i.e. grant of stock options, restricted share units or Capital stock to employees as compensation) - Gain/Loss realized upon the disposal of capital property - Gain/loss on foreign exchange translation - Gain/loss on fair valuation of financial instruments - Amounts attributable to minority equity investments - Interest income - Gain/loss on purchase or redemption of securities issued by that person or any subsidiary Adjusted EBITDA is not a recognized measure under IFRS and does not have a standardized meaning prescribed by IFRS, and the Company’s method of calculating Adjusted EBITDA may differ from the methods used by other similar entities. Accordingly, Adjusted EBITDA may not be comparable to similar measures used by such entities. Reconciliations of net income (loss) to adjusted EBITDA have been provided under the heading “Results of Operations”. 2. WORKING CAPITAL MEASURED IN NUMBER OF DAYS OF GROSS BILLINGS Included in working capital of the Company are amounts reflecting project costs and sub-consultant expenses. The Company only reports its net fee volume as revenue, which would not include the billings for the recovery of these incurred costs. Therefore to measure number of days outstanding of working capital, the gross billings, which include the billings for recovery of project expenses, would result in a more consistent calculation. volume. The information included is calculated based on working days on a twelve month trailing basis, measured as days outstanding on gross billings, which is estimated to be approximately 27% greater than net fee The Company believes that informing investors of its progress in managing its accounts receivable, work- in-process and deferred revenue is important for investors to anticipate cash flows from the business and to compare the Company with other businesses that operate in the same industry. Scott Stewart Toronto, ON, Canada CEO, IBI Group David Thom Vancouver, BC, Canada President, IBI Group Dale Richmond Oakville, ON, Canada Independent Director; Chair of the Board of Directors; Member of the Audit Committee; Chair of the Governance and Compensation Committee Lorraine Bell New York City, NY, USA Independent Director; Chair of the Audit Committee Jane Bird Vancouver, BC, Canada Independent Director; Member of the Governance and Compensation Committee Dr. Juri Pill Etobicoke, ON, Canada Independent Director; Member of the Audit Committee; Member of the Governance and Compensation Committee Angela Holtham Mississauga, ON, Canada Independent Director; Member of the Audit Committee; Member of the Governance and Compensation Committee Detailed biographies of the Members of the Board are available in the Annual Information Form (AIF). Scott Stewart CEO David Thom President Stephen Taylor CFO Kevin Bebenek Canada East Regional Lead Peter Moore Canada West Regional Lead Tim Foley USA East Regional Lead David Chow USA West Regional Lead Paul Hewes UK / Ireland Regional Lead Trevor McIntyre International Regional Lead Transfer Agent CST Trust Company Toronto, ON, Canada Auditors KPMG LLP Toronto, ON, Canada Principal Bank Toronto Dominion Bank Securities Exchange Listing IBI Group shares are traded on the Toronto Stock Exchange under the symbol IBG. Investor Relations Bayfield Strategy, Inc. Annual Meeting May 11, 2017 10:00 am ET Dentons Canada LLP TD North Tower, Toronto-Dominion Centre 5th Floor, 77 King Street West Toronto, ON M5K 0A1 Canada 37 – IBI Group Inc. – December 31, 2016 COMMON SHARES TRADE AS IBG 7.0% JUNE 30, 2019 DEBENTURES WITH A $19.17 CONVERSION PRICE TRADE AS IBG.DB.C 5.5% DECEMBER 31, 2021 DEBENTURES WITH A $8.35 CONVERSION PRICE TRADE AS IBG.DB.D All amounts in this repor t are presented in Canadian Dollars (CAD). T R O P E R L A U N N A 6 1 0 2 P U O R G I B I B-38 CONTACT CORPORATE HEAD OFFICE Scott Stewart, CEO 55 St. Clair Avenue West, 7th Floor Toronto, ON M4V 2Y7 Canada Tel +1 416 596 1930 CANADA EAST (11 OFFICES) Kevin Bebenek, Regional Lead 55 St. Clair Avenue West, 7th Floor Toronto, ON M4V 2Y7 Canada Tel +1 416 596 1930 CANADA WEST (4 OFFICES) Peter Moore, Regional Lead Suite 300–10830 Jasper Avenue Edmonton, AB T5J 2B3 Canada Tel +1 780 428 4000 USA EAST (14 OFFICES) Tim Foley, Regional Lead 635 Brooksedge Boulevard Westerville, OH 43081 USA Tel +1 614 818 4900 USA WEST (12 OFFICES) David Chow, Regional Lead 315 West 9th Street, Suite 600 Los Angeles, CA 90015–4206 USA Tel +1 213 769 0011 UK / IREL AND (10 OFFICES) Paul Hewes, Regional Lead 87–91 Newman Street London W1T 3EY UK Tel +44 20 7079 9900 INTERNATIONAL (13 OFFICES) Trevor McIntyre, Regional Lead 55 St. Clair Avenue West, 7th Floor Toronto, ON M4V 2Y7 Canada Tel +1 416 596 1930 For more information about specific offices, visit www.ibigroup.com/contact B-39 ABOUT THIS PUBLICATION The 2016 Annual Report was developed, designed, and produced by the firm’s corporate Marketing and Communications team. Written and Edited by Charles Finley, Rachel DeWitt, and Julia Harper Designed and Produced by Robyn Gillrie Portraiture by Linden Laserna QA Review by Jenny Seo Printed by Hemlock Printers Ltd. IBI Group’s 2016 Annual Report is printed on FSC ® Certified Paper. This paper has been certified to meet the environmental and social standards of the Forest Stewardship Council ® (FSC) and comes from well-managed forests and other responsible sources. Cover enhancements have been created with a UV spot and flood varnish treatment. To view a copy of this Annual Report online, please visit the Investors section of our website. For more information about IBI Group, please visit www.ibigroup.com © 2017 IBI Group IBI Group is a globally integrated design and technology firm. T R O P E R L A U N N A 6 1 0 2 | P U O R G I B I

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