Jinhui Shipping and Transportation Limited
Annual Report 2020

Plain-text annual report

2020 ANNUAL REPORT JUMBO INTERACTIVE LIMITED TABLE OF CONTENTS Covid-19 has shown the importance of having a robust Internet sales channel. The Australian lottery industry has remained healthy while many international lotteries saw dramatic declines in sales. Jumbo has the mature solution to help these lotteries in need." 4 Introduction 6 Highlights 8 Letter from the Chairman 11 Letter from the CEO 12 Review of Operations 13 Key Performance Indicators 14 Like-for-Like Analysis 16 Data, AI and Lotteries 20 Customer Support 22 Powered by Jumbo 23 $1 Billion Vision 24 Jumbo Goes International 26 Leadership Team 28 People of Jumbo 30 Jumbo Turns 25 32 Corporate Responsibility 34 Financial Report 38 Directors’ Report 56 Auditor’s Independence Declaration 58 Consolidated Statement of Profit or Loss and Other Comprehensive Income 59 Consolidated Statement of Financial Position 60 Consolidated Statement of Changes in Equity 62 Consolidated Statement of Cash Flows 63 Notes to the Consolidated Financial Statements 95 Directors’ Declaration 96 Independent Auditor’s Report 100 Shareholder Information 102 Company Information 4 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 5 INTRODUCTION CERTAINTY TO 2030 The 10 year runway gives management the ability to continue the strong growth of the Australian ticket selling business and build the “Powered by Jumbo” software business in Australia and overseas." Following on from a breakout year in 2019, Jumbo has provided certainty for the next 10 years with a fresh agreement with Tabcorp. This 10 year runway gives Jumbo the ability to continue the strong growth of the Australian ticket selling business and build the “Powered by Jumbo” software business in Australia and overseas. Covid-19 has highlighted the benefits of online sales and the lottery industry is no different. Around the world many lotteries suffered during home confinement, however in Australia lotteries continued marching forward due to the availability of a healthy internet sales channel. Jumbo responded to the challenge by increasing capacity and customer support to address the influx of a new older demographic. This trend was highlighted when a 72 year old Jumbo customer won the $80 million Powerball during the Covid-19 period. It’s nothing new for a Jumbo customer to win big, but in the past the age was typically around 30. This new winner unwittingly heralded in a new older demographic into Jumbo that has been dominated younger tech-savvy players. Covid-19 has also highlighted the importance of a modern lottery having a vibrant online sales channel. Many lotteries that did not have an online channel suffered badly due to retail sales channels coming under pressure. Jumbo is in the business of selling software and services to lotteries wishing to build their online channel. Jumbo has reached out to many of these affected lotteries to provide a path forward. Jumbo’s “$1 billion vision” continues to be an important focus and guiding light over the next 2 years. The vision is to reach $1 billion in ticket sales on the Jumbo platform by FY22. This includes both the ticket selling business (OzLotteries.com) and the “Powered by Jumbo” SaaS business. While ambitious it is also achievable with the trend still very much towards the shift to online. 6 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 7 HIGHLIGHTS OZLOTTERIES.COM AUSTRALIAN LOTTERY TICKET SELLING BUSINESS JUMBO GROUP $340m up 6% TTV increased 6%from $320 mil in FY19 despite a 20% drop in the number of large Jackpots from 49 in FY19 to 39 in FY20. 827,411 up 9% Active Customers increased 9% from 761,863 in FY19 "POWERED BY JUMBO" GLOBAL SAAS BUSINESS 50% Current contracts operationalised £6.5m up 32% (A$12.6m) Gatherwell UK TTV up 32% on a 12-month basis to 30 June 2020 Revenue up 9% despite a 20% drop in the number of large jackpots from 49 in FY19 to 39 in FY20 $71.1m UP 9% $43.2m UP 8% $26.5m STEADY EBITDA-underlying up 8% NPAT-underlying up 0.2% 8 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 LETTER FROM THE CHAIRMAN FURTHER GROWTH Dear Shareholder, The 2019/20 year has not been an easy time for a lot of businesses due to the Covid-19 pandemic, however Jumbo Interactive Limited (Jumbo) still achieved an increase in ticket sales by $28 million bringing the total sales for the year to $349 million. The online lottery industry has experienced further growth and this is expected to continue, especially as we broaden the charity lottery tickets we are now selling through our Powered by Jumbo software, which we feel will not only assist our profitability but also the deserving charities we are focussing on. This, together with the 10 year agreement recently announced with Tabcorp, will give both shareholders and Jumbo the confidence it requires to continue to develop online sales. In my last year‘s letter to shareholders I stated that we remained focussed on board diversification and, prior to our Annual General Meeting, in September 2019 we announced the appointment of Professor Sharon Christensen to our board. Professor Christensen has over 29 years of legal and regulatory experience and is a research leader in regulatory responses to digital innovation and disruption. This now gives Jumbo a five person board of which four are Non-Executive directors. I should also note that after 14 years on the board, I have announced my resignation, however I did undertake to continue in the position until an experienced Chairman can be appointed to take my place. We have often been asked if the Covid-19 pandemic has had an effect on our operation. With the experience of our major shareholder and CEO Mr. Mike Veverka and his very skilled staff we have been able to continue to work both within the office and from the staffs‘ respective homes. This was a platform put in place many years ago in the event of such a situation where working from the office was not an option. It would be remiss of me at this point not to acknowledge the diversification and wealth of experience our staff have. This is supported not only by our CEO but also our Key Management Personnel. Despite the challenges of the Covid-19 pandemic, we are proud and fortunate to still pay a full dividend and not rely on JobKeeper support. Whilst we continue to focus our growth within Australia, during the financial year we did acquire Gatherwell Limited which is located in the United Kingdom and operates as a lottery manager to raise funds for good charitable and public social causes. We also continue to look at other potential opportunities, however this does not take our focus off our Australian activities which has been the success of the Company and its growth since its incorporation. I have enjoyed being part of the evolution of Jumbo and would like to conclude by thanking the board of directors, our CEO, Key Management Personnel and all our staff for their on-going support and their efforts and input into the continued growth of our Company. David K Barwick Chairman We remain focused on board Diversification." JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 11 LETTER FROM THE CEO CONTINUAL INNOVATION With Internet Sales of Lottery tickets at 28% of all tickets sold in Australia and under 10% globally, the industry clearly has a lot of growth ahead. Lotteries are perfect for the Internet and customers enjoy a top quality experience whether they play on OzLottries.com or another lottery using the Jumbo platform. Continual innovation is driving the customer experience even higher and is ensuring lotteries continue to remain popular into the future. The recent 10 year agreement with Tabcorp is an important milestone as it gives Jumbo certainty and the ability to plan long term. The next 10 years will be exciting as the Internet share of ticket sales race up as players, young and old, enjoy the experience of playing online. New innovations such as Advanced Data Analytics, Artificial Intelligence and Machine Learning are making subtle but effective improvements to our App. Improvements such as removing customer pain points and irrelevant information are streamlining our App and providing our customers with an unparalleled experience. 2020 was a year where the number of large Jackpots reached only 39 compared to 49 for the previous year. However we were able to increase ticket sales from $321 million to $349 million. This is clear evidence of the trend to online that is being accelerated by Covid-19. 350,319 new customers signed up to OzLotteries.com and the number of active customers increase from 761,863 in FY19 to 827,411 in FY20. 2020 also saw the acquisition of Gatherwell Limited in the UK, the largest external lotteries manager to local authorities in the UK. This fast growing digital lottery company is a perfect fit for Jumbo and provides a launch pad into the UK market. Jumbo specialises in medium to large lotteries so the addition of a company specialising in smaller lotteries completes the picture. The “Powered by Jumbo” Software as a Service business got off to a great start with the signing of 5 clients with combined ticket sales of ~$140 million. This gave our team the opportunity to improve our offering and gain experience in working with clients as partners. Covid-19 has disproportionately impacted lotteries without an online sales channel causing many to fast-track their internet strategies. The Jumbo PBJ team is on the front foot with solutions to assist those lotteries, wherever they may be in the world. Jumbo also recently passed the 25 years in business milestone. From humble beginnings with a single computer in 1995, Jumbo has navigated many challenges and is ready for the growth that lies ahead. Our staff and partners over the years deserve enormous credit for this growth due to their efforts and trust in the vision to grow through technology. Mike Veverka CEO With the certainty of a 10 year agreement with Tabcorp, we can push forward with plans to deliver further growth." 12 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 13 REVIEW OF OPERATIONS POSITIVE PERFORMANCE GROUP PERFORMANCE 2020 was a positive year for both Ozlotteries.com and the new “Powered by Jumbo” SaaS business segments. Covid-19 is proving to be a driver for growth of Internet lotteries due to the “play from home” focus and the absence of any supply chain issues (nothing needs to be physically delivered). The group delivered an 8.7% increase in ticket sales (TTV) to $349 million and a 9.1% increase in Revenue to $71 million for the 12 months to June 30, 2020. Underlying EBITDA grew 7.7% to $43.2 million and underlying Net profit after tax remained steady at $26.5 million. OZLOTTERIES.COM PERFORMANCE For a year that produced 10 fewer large jackpots that the previous year (39 in FY2020) compared to 49 in FY2019), the OzLotteries.com business still managed to deliver growth evident in the 6.3% increase in ticket sales (TTV) to $340 million. Active customers (defined as a customer that made a purchase over the 12 months to June 30, 2020 also increased 9% to 827,411. This positive result for a year with fewer jackpots was driven by better software tools that helped keep players engaged more frequently. Delivering a premium service at a premium price has been the simple but effective model for OzLotteries.com for over a decade. Customers enjoy the choice, features and above all the experience. Our designers are continually thinking of ways to improve the experience and new software tools are giving feedback so we know exactly where that experience is appreciated the most. POWERED BY JUMBO PERFORMANCE The inaugural year for the "Powered by Jumbo" SaaS business was devoted to onboarding new lotteries and bringing them up to fully operational status. The first lottery (Mater) was 100% operationalised in July 2020 and the remaining lotteries are scheduled for completion by December 2020. During FY20, revenue from the portion of sales that were operationalised reached ~$0.3 mil and this is expected to climb to an annualised rate of ~$4.4 million pa once complete. The acquisition of Gatherwell Limited on 29 November 2019 gave the "Powered by Jumbo" business a foothold in the growing UK market. For the seven month period to 30 June 2020, TTV was $7,715,000, Revenue $1,520,000 and underlying net profit before tax $414,000. On a full year basis, Gatherwell ticket sales grew 32% to £6.55 million. CUSTOMER COMMENTS " Love playing and I can’t wait to win. Awesome app will rather the App then [sic] going into the store" " It’s great & easy to purchase. Great design" " Great way to play with more chances to win a share. Will be playing this way from now on" " Such an easy option" " Congratulations, very easy to use" " Very user friendly. Despite rarely having any success, it’s something I look forward to each week" " The app makes it super easy to purchase tickets at the comfort of your own home without going out and whenever you want to especially in times like these. Also getting notified as to when the super draws are on and also knowing what the week to week jackpots are which is handy" KEY PERFORMANCE INDICATORS OZLOTTERIES.COM BUSINESS SEGMENT Active customers (defined as a customer that made a purchase over the 12 months to June 30, 2020) also increased 9% Number of new customers (FY19: 444,004) 350,319 827,411 $14.28 $383.12 25.6% Avg spend per customer (FY19: $385.44) Dormancy rate (FY19: 13.6%) Cost per lead (FY19: $13.81) 14 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 15 LIKE FOR LIKE ANALISYS LIKE FOR LIKE GROWTH Sales are significantly affected by Jackpots with higher jackpots attracting higher sales. Jackpots are often random making it difficult to determine if sales growth is due to jackpots or a steadily improving business. A like-for-like analysis focuses on sales from specific jackpot sizes removing the variation and allowing the true growth to be visible. The following graphs demonstrate clear growth over a variety of games and jackpot levels. Innovation and Customer Experience are growing sales, not just Jackpots." Sales growth is strong even in smaller Jackpots" 2 0 1 6 2 0 1 7 2 0 1 9 2 0 1 8 SALES FROM ALL JACKPOTS UNDER $15 MILLION 2 0 1 8 2 0 1 9 2 0 1 6 2 0 1 7 SALES FROM OZLOTTO $15 MIL JACKPOTS S e p 2 0 1 9 M a r 2 0 2 0 J u l y 2 0 2 0 2 0 1 7 2 0 1 8 2 0 1 9 SALES FROM POWERBALL $80 MILLION JACKPOTS SALES FROM POWERBALL $20 MIL JACKPOTS 2 0 2 0 2 0 2 0 2 0 2 0 16 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 17 DATA, AI & LOTTERIES PEAK LOADS Lotteries are unique because of the very large spikes in sales just before draw closure. The graphs below show hourly sales in the 48 hours leading up to draw closure for the recent $80 mil Powerball. The first 24 hours show the “day before” compared to the last 24 hours “last day” sales. The peak load is over 7x higher than the same hour the day before – proof that people love leaving it to the last minute! Technically this poses a challenge to computer engineers that must still maintain fast and very high standard transactional integrity during peak loads. Not only does the number of simultaneous customers increase but the computing power for each sale also increases as customer experience features are added. Jumbo has spent years perfecting its solution and the benefits are clear in the large jump in sales that OzLotteries.com produced in 2019. Our “Powered by Jumbo” partners are also eager to improve sales by taking advantage of the last minute rush. Historically many charity lotteries have been missing out on sales simply because their systems were not able to handle peak loads reliably. Hourly sales for the 2 last days of the recent $80 million Powerball JUL 8 8:00 16:00 JUL 9 8:00 16:00 Hourly sales for the “day before” and “day of” the recent $80 million Powerball overlayed to highlight comparative scale. Hourly sales for the last day of the recent $80 million Powerball Hourly sales for the second last day of the recent $80 million Powerball COHORT ANALYSIS Different groups of people exhibit different behaviours and analysing those trends to greater level of detail is providing new insights to Jumbo and our partners. 0 5 10 15 Mobile App customers spend more than website customers Months since initial purchase Mobile App Website 0 Older customers spend more Months since initial purchase 0 5 5 10 15 Below 25 35-49 50-54 25-34 65+ 10 15 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 Customers that sign up during low jackpot weeks spend more over the long term Months since initial purchase Under 15m 50+ 15-50m Jack pot! Jackpot! 18 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 19 $ DATA, AI & LOTTERIES COVID-19 EFFECT As a nimble, digital and 100% pure online company, Jumbo was able to manage the Covid-19 period well. Online lotteries have no supply chain issues with no importation, warehousing or physical deliveries. Social restrictions drove players online as was highlighted in July 2020 when 63,800 new customer signed up - the highest since September 2019 when the Powerball reached a record $150 million. During the Covid-19 months in 2020, a larger percentage of new signups appeared from the 65 years and older category (peaking at 24% of all signups). This is obviously a result of social distancing and home confinement measures affecting particularly older demographics leaving their home. This trend is new to OzLotteries. com which has historically attracted a younger tech-savvy demographic. Subtle design changes have been made to enhance the experience for this older demographic who tend to spend more as is evidenced in the Cohort Analysis. Covid-19 restrictions have driven players online, especially the older demographic. Sales in the recent $80 million Powerball even exceeded the last $100 million Jackpot." 24% A P R REMOVING PAIN POINTS Not all features are visible. Many are subtle improvements removing pain points and delivering a better overall experience. An over cluttered screen with multiple options can annoy customers to the point of making them give up. One technique used by Jumbo designers is a “Rage Click” detector. This is when software reports a barrage of mouse clicks with no result. The customer has lost patience with finding the right button and has become angry. This technique revealed up to $500,000 in lost sales over a 6 month period resulting from 6,506 customers failing to check out their purchase as a result of confusion around a simple button. Without data analytics this might have continued for years without ever being detected. Our “Powered by Jumbo” partners find this level of feedback especially rewarding. Normally a charity lottery operator would not have the resources to use these tools but once partnered with Jumbo they are available to all partners. M A R J A N F E B M A Y J U N % of new signups in the 65+ age demographic 20 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 21 89.4% CUSTOMER SATISFACTION 27,000 VIEWS OF SELF-SERVICE ARTICLES PER MONTH 88.9% CALLS ANSWERED IN <15 SECONDS CUSTOMER SERVICE The Oz Lotteries Support team seamlessly made the transition to working fulltime from home in March. Our customers benefited from our online advantage and have continued to be able to purchase and liaise with us without any change to their previously experienced level of service. by Brenda Melville, Head of OzLotteries.com The week following our transition to working from home we experienced an $80 million draw (26th March). On the night of this draw, we answered 1,922 (calls, chats, emails) with a 92% customer satisfaction rating. We also got to make the winning call to one of our very own customers. A lovely gentleman who had gone into lockdown, so he did have to wait for a little before celebrating with extended family. No overseas holidays for some time has meant he can focus on home improvements Customer satisfaction remains our key performance indicator, and we survey across all our customer touchpoints throughout the year. We believe that asking for feedback regularly from our customers allows us to act quickly on unhappy experiences, and work on what we can do to improve their experience with our site or service next time. This year overall, our satisfaction rating was 89.4%. 88.9% of calls this year were answered in <15 seconds, ensuring that customers receive the importance they deserve when they call us for assistance. During the year we saw sustained growth with our customers being more engaged with our platform than ever before, customers are keen to self- service, and to ensure they can, the Help Centre is actively maintained and updated. The Help Centre contains a wide range of articles to help with regular how-to requests, through to the more complex "why is ID verification required'. Maintaining and tracking the usage and feedback on these articles ensures we continuously improve these offerings, as some of our customers prefer to engage with us through this method. Currently, we average 27,000 views per month across our self-service articles. Our customers make small regular purchases through our website and comment on the ease of their play experience both via the website and app. We have seen a drop in enquiries to our support centre this year due to our stable technology platform through the more substantial draw periods and our education of customers via our Help Centre offering. We have continued to improve our prize withdrawal process, the ease of playing your favourite numbers and ticket bundles making it easier for customers to play the way they want to play the game. We continue to manage several third-party Charity Lotteries on Oz Lotteries. This year we also saw two of our customers take away the major prize in the Mater Prize Home draw 289 at Biggera Waters on the Gold Coast and the Mater Cars for Cancer draw 87 a Mustang GT Fastback. 22 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 23 POWERED BY JUMBO $1 BILLION VISION ADVANCED SOFTWARE PLATFORM LARGE GLOBAL TAM The total addressable market (TAM) for the PBJ business is significant. Under 10% of the world's lottery tickets are sold online, indicating 90% of a US$303 billion (A$445 billion) global market has yet to make the transition. Management have identified three key markets - the UK, USA and Canada - representing an initial TAM of A$25 billion to target. For over 15 years, Jumbo has continually developed a state-of-the-art software platform with advanced data analytics, user friendliness and capacity. All this power is now available as SaaS (Software as a Service) to lottery operators globally, many of who have struggled during the Covid-19 restrictions. 5 charity lotteries have signed up to PBJ representing $140 million is tickets sales. • Mater Prize Home Lottery • Endeavour Foundation • Deaf Services • Multiple Sclerosis QLD • Classics for a Cause In addition, the OzLotteries.com business sells games to its large customer database from these 5 lotteries plus a further 3 lotteries. • RSPCA • Surf Life Saving Lotteries • ACT for Kids Jumbo has a strong social purpose in helping these charitable organisations to raise funds via online lotteries. Other forms of fund raising such as fun runs and dinners are coming under pressure due to Covid-19. Government funding and philanthropic donations lack regularity and make planning difficult. Lotteries provide the regular source of income these charities need for long term planning. In 2019, Jumbo announced its "$1 billion Vision" - to reach $1 billion in ticket sales per annum on the Jumbo platform by FY22. This is the total of both the OzLotteries.com business and the "Powered by Jumbo" businesses combined. To date this vision is half complete. Ticket sales on OzLotteries.com reached $340 million and the 5 "Powered by Jumbo" clients represent a further $140 million in ticket sales. Undeterred by the low jackpot run in FY20 slowing down growth in OzLotteries.com, management remain optimistic about reaching this goal over the next 2 years. The Covid-19 Pandemic has boosted sales and encouraged lottery operators globally to move online faster, providing a tail wind for the next 2 years. While the $1 billion vision is not a forecast or target, it provides a guiding light and aspirational vision for management and staff. $1b Target 14% PBJ Contracts 34% OzLotteries.com 24 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 25 JUMBO GOES INTERNATIONAL by Richard Bateson, International Lottery Advisor This past financial year has been a significant one for Jumbo’s international ambitions. In November 2019, Jumbo completed the acquisition of Gatherwell Ltd, the largest external lotteries manager to local authorities in the UK. The acquisition marks the first phase of Jumbo’s entry into the UK market, and the first major international transaction to date. With the Australian business going from strength-to-strength, Jumbo’s Management has an opportunity to export its SaaS business model and its lottery management proposition to the international lottery market. Focusing on two sectors – the government and charity lottery sectors. Over the past 6 months Management has been reviewing the different markets and overlaid our propositions for both government and charity to identify a clear and precise go-to- market strategy for Jumbo’s International business. Management has identified three markets, in the UK, the US and Canada, that have a collective value, or Total Addressable Market (TAM), of over $25bn1. These markets are the beginning of Jumbo’s expansion into the European and North American markets. Management believes that focus is key to success in the early days of expansion so it has defined an approach that will focus on prioritising government or charity sectors, market-by-market. stakeholders alike. To date 11 out of the 48 jurisdictional lotteries have an iLottery or digital platform, and a further half dozen are likely to start preparations for iLottery within the next 12 months. Management has identified the need for distinct propositions for the US market, these will be Jumbo iLottery® and Jumbo iRetailer®. Both propositions are based on our PBJ platform and marketing services. The iLottery proposition provides lotteries with an integrated digital lottery channel that is more efficient and effective than its industry competitors. The iRetailer proposition provides lotteries with a standalone digital channel that is self-sufficient and does not require operating cost or marketing budget to be diverted from the lottery’s main operations. The iRetailer model is focused on smaller US states or those states that have constrained or restrictive marketing budgets. THE UK MARKET Management’s priority is to gain further market share in the society lottery2 sector (charity and local authority). The sector is worth an estimated $1.6bn3 in TTV and is a fragmented, yet lucrative market. Jumbo will utilise its acquisition of Gatherwell and focus on further growth in its local authorities and schools’ business, alongside gaining market share in the charity sector. THE US MARKET The government lottery sector in the US is by far the most lucrative to Jumbo with a TAM of $22bn4 . A market that has had historic barriers to entry is starting to open, with state legislation changing and requirements for digital lottery and innovation being demanded by lottery directors and 1 Total TAM of $25bn equates to TAM by region of: UK $1.6bn; US $22bn; and Canada $1.3bn 2 Society Lotteries is the legal term in the UK for regulated charity and local authority lotteries. 3 UK TAM of $1.6bn: The UK Gambling Commission reports TTV for sector of £775m (Sept 2019) applying a 5-year CAGR of +14% and/or PY rise of 8% gives a range of £837m to £884m in sector growth (to Sept’20). Using 6-month average GBP £1 to AUD $1.89, this leaves forecast TTV between $1.67m and $1.58m (Reference UKGC Annual Report 18/19) 4 2018 US lottery sales were USD77bn. Draw games were USD28bn. With 50% iLottery penetration forecast in next 5 years (23 US lotteries). Management has modelled 25% of draw game sales likely to be converted to digital, this coupled with a doubling of sales with the upsell of Instant Win Games, Management forecasts the iLottery market to be worth $14.6bn (3% growth adjustment) USD $1 to AUD $1.50 equating to a TAM of $21.9bn The international ambition is to drive meaningful businesses in the UK, the US and Canada that will be used as a beachhead in each region to grow into other markets and sectors. International will support roughly a third of the $1bn TTV vision, set out by the CEO. In the longer-term the ambition is to have an International Business that is equal to or bigger than the Australian business by 2026. THE CANADIAN MARKET With a TTV of $1.3bn the charity lottery market in Canada is significant. The market is well defined and consolidated versus the US charity market leading to Jumbo being able to partner or acquire to gain a meaningful presence and market share in Canada. Once there is an established foothold in Canada, Management believes the model can be exported to other parts of the North American region, using the expertise of the local market in adjacent markets. AMBITION The international ambition is to drive sustainable businesses in the UK, the US and Canada that will be used as a beachhead in each region to grow into other markets and sectors. International will support roughly a third of the $1bn TTV vision, set out by the CEO. In the longer-term the ambition is to have an International Business that is equal to or bigger than the Australian business by 2026. $ 25 bn TAM Total addressable market UK $1.6 bn Canada $1.3 bn USA $22 bn 26 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 27 LEADERSHIP TEAM Jumbo has a stable leadership team that has amassed unique digital experience in the world lottery industry. Left to right, top to bottom: Mike Veverka, David Barwick, Sharon Christensen, Giovanni Rizzo, Bill Lyne, David Todd, Brad Board, Xavier Bergade, Brian J. Roberts, Richard Bateson MIKE VEVERKA Chief Executive Officer & Executive Director (BEng (Hons)) Mike Veverka is CEO and founder of Jumbo Interactive. He has a proven track record in business and computing, establishing several successful startups to meet new consumer demands for online products. His entrepreneurial flair and ambition for innovation were displayed at the age of fifteen when he created and sold his first software package to Hewlett Packard. Mike worked as a design engineer and computer programmer before founding ‘Squirrel Software Technologies’ that provided some of Australia’s first internet services and e-commerce software. As founder and leader, Mike plays a pivotal role in the growth strategy, innovation and promotion of Jumbo. DAVID BARWICK Chairman and Non-Executive Director David Barwick has over 40 years experience in the management and administration of publicly listed companies in Australia and North America. During this period David has held the positions of Chairman, Managing Director or President of over 30 public companies with strengths in strategic planning, restructuring and financing entities SHARON CHRISTENSEN Non- Executive Director Professor Sharon Christensen has 29 years of commercial, legal and regulatory experience and is a research leader in regulatory responses to digital innovation and disruption. Most recently, Sharon was a Non- Executive Director of Property Exchange Australia Ltd, the operator of the national online property exchange network. Sharon holds a Bachelor of Laws (Honours) and Master of Laws and is a member of the Australian Institute of Company Directors GIOVANNI RIZZO Non- Executive Director Giovanni Rizzo is a specialist in the gaming industry with over 20 years’ experience in various management roles of large listed lottery, casino and electronic gaming machine businesses in South Africa, Canada and Australia. Most recently, Giovanni was Head of Investor Relations at Tatts Group Limited, Australia’s exclusive operator of licenced lotteries. Giovanni holds a Bachelor of Commerce (Honours) in Finance and Audit and is a Chartered Accountant in Australia, New Zealand and South Africa. BILL LYNE Non-Executive Director and Company Secretary (BCom, CA, FCIS, FGIA, FAICD, FFIN) Bill Lyne is the Principal of Australian Company Secretary Service that provides secretarial, corporate compliance and governance services to public company clients in a wide range of industries. Prior to this, Bill was Company Secretary and CFO of First Australian Building Society, having previously spent many years in credit and lending positions in merchant banking. Bill holds a Bachelor of Commerce and is a Chartered Accountant. He is a Fellow of the Institute of Chartered Secretaries & Administrators (UK), Governance Institute of Australia, and the Australian Institute of Company Directors. He is also a fellow of and has life membership with the Financial Services Institute of Australasia. DAVID TODD Chief Financial Officer (MBA, Grad DipACG, CAIB(SA), BCom, FGIA, FCIS) David has extensive capabilities in business administration with strengths in credit risk management and international business. His experience in financial management spans 25 years in the banking industries of South Africa, New Zealand and Australia, and small cap and SME environments. David holds a Bachelor of Commerce, a Master of Business Administration, an Associate Diploma in Banking, and a Graduate Diploma of Advanced Corporate Governance. He is a Fellow of the Governance Institute of Australia and a Fellow of the Institute of Chartered Secretaries and Administrators (UK). David brings a wealth of commercial expertise to Jumbo Interactive as Chief Financial Officer. BRAD BOARD Chief Operating Officer Having joined Jumbo in 2001 Brad has been actively involved in Jumbo’s evolution and growth into the leading digital lottery business it is today. Brad has significant lottery and e-commerce experience and ensures that the brand, digital experiences and service offerings provided by Jumbo effectively engage and satisfy it’s 2,000,000+ customers in Australia and Internationally. In addition to responsibility for Jumbo’s marketing and product strategy he ensures various departments and subsidiaries are interacting efficiently with each other and in accordance with Jumbo’s overall strategic goals. XAVIER BERGADE Chief Technology Officer As Chief Technology Officer, Xavier ensures that Jumbo’s technology services are continually improving and innovating while remaining secure for customer transactions. He is responsible for the adaptation of the successful Australian OzLotteries.com website to other markets and ensuring capabilities for customer purchases on any device demands that websites continually evolve as new mobile and computer products are released to market with unprecedented frequency. BRIAN J. ROBERTS President, North America (DipEC Cert(OM)) Brian has extensive experience in lotteries and gaming, software development and production and is a recognised creative innovator. His experience in the lottery and gaming industry spans over 40 years with senior roles including Director of Creative Content Development at GTECH, COO and Senior Vice President of Marketing at On-Point Technology Systems, President of LotoMark and Vice President of Lottery Operations at International Totalizator and Lottery Systems. Brian has developed, implemented and managed gaming systems across many international jurisdictions. He holds over twenty issued and pending gaming industry USA patents. RICHARD BATESON International Lottery Advisor Richard has worked in the lottery industry for the past 18 years. A former director of Camelot UK Lotteries Ltd (B2C) and Camelot Global Solutions Ltd (B2B), Richard has been on both sides of the lottery fence working for the UK National Lottery and vendor operations and sales with Camelot Global. During his time at Camelot, Richard grew UK National Lottery sales from £5.2bn to £6.9bn over a 4 year period – and grew the digital customer base by 4m players. Richard was also President of EuroMillions for 5 years, and a member of the Board for 13 years – creating a €7bn game brand. Within the B2B business Richard set-up the commercial division that supported the successful Irish National Lottery bid for Camelot’s shareholder, won contracts with US states in New York, Kentucky and Arkansas – alongside working in the States of Texas and California. 28 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 29 PEOPLE OF JUMBO GREAT PEOPLE by Abby Perry, Head of Human Resources DISTRIBUTED WORKPLACE The COVID-19 pandemic resulted in Jumbo and the world dealing with unforeseen challenges that have had unprecedented health and economical impacts. During this period we have worked closely with our employees to ensure the health and welfare of our people and their families, and have supported our employees to adjust in a rapidly changing environment. Jumbo was able to demonstrate agility in responding quickly to the dangers of the COVID-19 outbreak, moving all employees to work remotely with minimal interruption to their work cycles and their ability to remain productive. Our transition to a distributed workplace has strengthened the resilience of our operational framework and technology, and our people have embraced remote-first processes and tools. Employees remain highly productive and exceptionally engaged, having adapted to the transition seamlessly. Jumbo provides a flexible work environment where employees are empowered to choose a workplace where they are most comfortable and productive. This flexibility enables our people to manage their work and time to suit their needs, whilst continuing to achieve their career and personal objectives. CULTURE Jumbo’s workplace culture remains strong despite the unforeseen challenges; however we recognise that in transitioning to a distributed workplace that a new culture will emerge. This is an opportunity for Jumbo to recreate a culture that is strengthened by the values, attitudes and behaviours of our employees, in alignment with our vision and strategy. Our leaders will play an essential role in establishing culture at a team level, by demonstrating compassion, promoting psychological safety, and actively taking action to keep teams intact. By utilising Jumbo’s strong communications technology, we are able to keep connected with our employees and promote a sense of belonging. We also like to have fun, and initiatives such as virtual social events and delivery of gifts to employees help to boost employee morale and encourage colleagues to stay in touch. When safe to do so, we will resume physical social gatherings for employees to further interact in a safe environment with friends and family. DIVERSITY Over the last 12 months, female representation across our workforce has increased by more than 5%. Whilst progress has been made, we recognise more remains to be done to improve the gender balance. Diversity is a business priority and our practices continue to evolve. Our EmpowHer graduate program offers a safe learning environment to help women launch their career in technology, providing invaluable on-the-job experience to quickly advance the skills that will enable graduates to establish a successful career. Jumbo’s strong company culture and core values underpin our ability to attract and retain employees. We are committed to building a high-performing workforce and take pride in the diversity of our people and our inclusive workplace. All employees play a vital role in creating a collaborative environment in which our people feel valued and respected for their individuality and contributions. CAREER DEVELOPMENT Our people are fundamental to our success. We strive to continuously build a culture where our employees are provided with learning opportunities to develop and are encouraged to contribute towards making work easier, fun and productive. Jumbo’s Career Pathways represent career development opportunities within Jumbo and supports our people with the necessary tools to set career goals. By creating opportunities through a range of solutions including coaching and mentoring, on-the-job experience and formal training, we reduce the risk of skills and knowledge shortages and enhance performance. Development areas range across both technical and personal skill sets, including leadership, innovation, collaboration and more. Retaining high calibre people is integral to Jumbo’s ongoing success and attracting talented individuals as new skills are required is a key priority. The retention of our employees is a key indicator that our people feel engaged and enabled and our employee engagement remains high in a challenging environment. 30 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 31 JUMBO TURNS 25 HAPPY BIRTHDAY 2020 marks 25 years since Jumbo was founded with a vision to develop software and services for the burgeoning Internet. 1995 was also the year of the successful Netscape IPO that launched an era of Internet technology companies. The early days of Jumbo saw a variety of software products and services developed including an e-commerce platform, online marketing services and web development tools. Following a successful IPO in 1999, that company (Benon Technologies Pty Ltd) became the main operating entity and a wholly owned subsidiary of Jumbo Interactive Limited that is still operating today. At that time the company was known as Jumbomall.com, an online shopping mall concept that provided virtual store fronts to businesses and marketed them to a global audience. One of those businesses was the RSL Art Union, a successful charity lottery that worked with the team at Jumbo to explore the idea of selling lottery tickets over the Internet. Lotteries over the Internet proved to be a very successful concept due to the vast improvement in customer experience which in turn helped the lottery to grow. Continual improvements to the software and a decision to focus exclusively on lotteries helped propel the business to greater heights. Additional lotteries were added via the acquisition of TMS Global Services Pty Ltd in 2005 which gave Jumbo the right to sell national games such as OzLotto and the Powerball. This was accomplished via agreements with the Tatts Group and a number of state run lottery organisations that were the basis to the agreements Jumbo operates under today. Technological advances continued to come enabling many of the features we take for granted today - Mobile Apps and Social Media (Lotto Party) are perfect examples. The Internet penetration of lottery ticket sales (percentage of tickets sold over the Internet compared to overall sales) continued to rise driven primarily by younger tech-savvy customers. However the rapid rise led to the need for a complete rewrite of the software platform in 2016. The project was completed in 2018 just in time for the new Powerball game which was relaunched around the same time. This project also saw the launch of the “Powered by Jumbo” software platform for lotteries which is not only a return to the software development roots of Jumbo, but an important driver of growth in domestic and international markets. 25 years in business is in itself an achievement and thanks to the efforts of many people Jumbo is well positioned for further growth enabling lotteries around the world to grow through technology. MILESTONES 1995 Company founded as "Squirrel Software Technologies Pty Ltd" which would later be renamed to "Benon Technologies Pty Ltd". 1999 IPO on the Australian Stock Exchange as "Jumbomall.com" providing e-commerce software and services to small businesses globally. 2000 Began selling lottery tickets online for the RSL Charity Lottery. 2005 Acquired TMS Global Services Pty Ltd and began selling the Australian Powerball and OzLotto games online. 2011 Launched the OzLotteries App that would later grow to 75% of all sales. Paid first dividend. 2017 The Tatts group invests $15 million and becomes a substantial shareholder. Extends agreement a further 5 years. 2019 Launched the "Powered by Jumbo" Saas business. 2020 Agreement with Tabcorp extended a further 10 years. Our Board Modern Slavery 32 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 33 CORPORATE RESPONSIBILITY by Nikki Searby, Legal Counsel and Investor Relations BUSINESS SUSTAINABILITY THROUGH ENVIRONMENTAL, SOCIAL AND GOVERNANCE RESPONSIBILITY Jumbo is committed to operational excellence in a sustainable and responsible manner, whilst creating lasting value for all of our stakeholders. As a leading developer and operator of world-class digital lottery experiences, our responsibilities extend to our customers, staff, shareholders, suppliers, government, communities, and the environment in which we operate. Jumbo’s aim is to use our experience and expertise to develop relationships with clients and customers to improve lives. ENVIRONMENT Being a predominantly digital operation, Jumbo’s environmental impacts are far less significant compared to more tangible products, which require manufacturing and transportation. Accordingly, Jumbo is a non-carbon intensive office and technology based business. By providing digital tickets to our customers, rather than paper, assists our customers in reducing their own environmental footprints. Despite the minimal environmental impact of operations, Jumbo is aware of the different types of pollution that the digital sector creates, such as • Pollution from the production of IT hardware; • Pollution from e-waste i.e. used electrical and electronic equipment; • Pollution from daily digital use. Procedures and initiatives to address this impact include cutting back our digital environmental footprint via optimizing our equipment rate, and re- purposing or recycling hardware. Our relatively small environmental footprint arises largely from the energy used by our few offices, and from consumables. • Our Brisbane head office has a 5 star NABERS energy rating and a 3 star NABERS water rating; and • Our Melbourne office has a 5 star NABERS energy rating and a 3 star NABERS water rating Jumbo continually reviews the digital ecology with the goal of operating at an impact-neutral level, including responsible purchasing initiatives, and developing procedures to reduce digital carbon footprint in the office. COMMUNITY, CUSTOMERS, AND RESPONSIBLE GAMBLING SOCIAL CONTRIBUTION The lottery industry is an essential contributor to the community. Not only does the substantial tax revenue from lotteries contribute to a host of social services, but also, there is a strong social responsibility aspect to lotteries, particularly in the charity lottery space. The funds raised by our charity partners enable them to provide services and support to the community, which improves the quality of the community. Their partnership with Jumbo not only improves their fund-raising abilities in support of their services, but also offers a reduction of their carbon footprint, and reducing their dependency on government assistance. Jumbo also provides services to our regional neighbours in Fiji, Samoa and the Cook Islands, enabling these countries to raise funds for their local communities. CUSTOMERS Our products and services improve the quality of life for our customers, and our clients’ customers, offering hope in uncertain times, and providing them with the opportunity to dream. Although lotteries are not associated with problem gambling issues, Jumbo does not encourage excessive gambling, or extending customers beyond their financial means. In addition to Jumbo’s OzLotteries having robust in-house procedures for customer care, the PBJ platform has numerous solutions built in to ensure Responsible Gambling principles are implemented. Customer accounts can be flagged on the PBJ platform, and facilities offering protection for vulnerable customers, such as self-exclusion, setting spend limits, and provision of Responsible Gambling Account Statements to show spending and prize amounts, are enabled. Oz Lotteries frontline staff is trained to spot the signs of problem gambling, such as change in spending or frequency of play. Oz lotteries staff actively monitors player behaviour, and is very proactive with reaching out to customers to offer assistance. OzLotteries complies with each State and Territory’s Responsible Gambling Code of Practice, underpinned by our Responsible Gambling Policy which is available on the website https://www.ozlotteries.com/ about/responsible-gaming. To ensure that Jumbo protects its customers’ privacy in accordance with the APPs, we are committed to ensuring the collection, accuracy, storage, security, use, disclosure and destruction of Personal Information is compliant with the APPs. Our Privacy Policy is available on the website https://www.ozlotteries.com/about/privacy. Jumbo did not have any eligible data breaches to report under the Data Breach Notification Scheme, which falls under Part IIIC of the Privacy Act 1988, in FY20. CLIENTS Jumbo provides its PBJ clients with not only the personalisation of the product based on the client’s applicable Responsible Gambling and Codes of Practice requirements, but also assistance with the development of procedures, and assistance with staff training, to maximise the Responsible Gambling solutions available on the PBJ platform. Jumbo continues to improve on these solutions to improve efficiency and efficacy of Responsible Gambling service delivery. WORKPLACE Our people reflect Jumbo’s culture and values, and their diverse capabilities enable us to achieve exceptional performance. Our relationship with our people is enshrined in our Code of Conduct which defines our workplace principles. WORKPLACE CULTURE Jumbo recognises that our people are vital to our success, and continues to provide a supportive and collaborative environment. Our charity partners are the embodiment of social responsibility, having the specific goal of helping the community. Initiatives such as conducting a Workplace Respect Training Day, Info Xchange programs, and the provision of a Learning and Development Platform for all employees are testament to Jumbo’s commitment to investing in the professional development of our staff. The prevalence of Covid-19 in 2020 impacted on Jumbo’s ability to action its wellbeing initiatives, which historically included free breakfast and lunch, subsidised wellness activities, company sponsored participation in sporting and charity events, and a variety of social activities. Undeterred, Jumbo arranged care package deliveries for each employee, ensuring staff were supported through Brisbane’s lock-down period. WORKPLACE GIVING Jumbo provides contributions to numerous charities and community organisations through corporate sponsorships, and by encouraging employees in their charitable initiatives. Jumbo’s internal charity fund, ‘Just Giving’, receives voluntary donations from both our people and Jumbo, and our people decide on which charities to support for the benefit of the local communities. In FY 2020, the following charities were supported: • RSPCA – fundraising through their RSPCA CupcakeDay • Movember Foundation – fundraising • Heart Foundation - fundraising • World’s Greatest Shave - fundraising • Cancer Council – donation from Just Giving • WIRES – fundraising • Red Cross – fundraising WOMEN IN LOTTERY LEADERSHIP Jumbo continues its support of the Women In Lottery Leadership (WILL), following the inaugural scholarship grant of US$50,000. Further information can be found here: http://womeninlotteryleadership.com/. GENDER DIVERSITY Our Gender Diversity Policy has an objective of 45% female employees by 2023. As at 30 June 2020, females account for 42% of Jumbo employees. In addition to the Gender Diversity Policy, Jumbo has taken a pragmatic approach which focuses on female empowerment, and championing programs offering opportunities for women, such as the EmpowHer Program. In addition to our Graduate Program, Jumbo provides an allocated position for a female under the EmpowHer program. In 2021, Jumbo will increase this allocation to two places under the EmpowHer Program. Further information can be found under the section “Our People”. GOVERNANCE Our Corporate Governance Statement in this Annual Report describes in full our approach to corporate governance and compliance with the fourth edition of the ASX Corporate Governance Council’s Corporate Governance Principles and Recommendations. The CGS is also available on our website https://www.jumbointeractive.com/governance/corporate_ governance_statement.pdf. We have established a governance framework to support our business and help us deliver on our strategy. OUR BOARD As at the date of this report, our Board comprises five Directors – four independent non-executive Directors and one executive Director being Jumbo’s founder and CEO, Mike Veverka. Details of the Directors’ qualifications and experience are in the Board of Directors section of the Directors’ Report. Jumbo has experienced rapid growth over the recent financial year. To meet the increasing demands of being a significantly larger company, we Governance Framework Shareholders Jumbo Interactive Limited Board of Directors Oversees management on behalf of shareholders Audit & Risk Management Committee Oversees financial reporting and risk management Nomination and Remuneration Committee Considers Board composition and succession planning, and oversees the remuneration an incentive framework for all our people Chief Executive Officer Responsible for the day-to-day management of Jumbo and the implementation of our strategy Key Management Personnel Responsible for running the business and delivering on our strategic objectives further expanded the Board with the appointment of Sharon Christensen as an independent non-executive Director effective 1 September 2019. The Board has two standing committees – the Audit and Risk Management committee and the Nominations and Remuneration Committee. The committees assist the Board by focusing in more detail on specific areas of our operations and governance framework. MODERN SLAVERY The Modern Slavery Act 2018 (Cth) (‘Act’) requires reporting entities subject to the Act to produce an annual modern slavery statement. Whilst Jumbo is not a reporting entity subject to the Act, Jumbo is committed to operating ethically, and in accordance with the highest adherence to corporate social responsibility, environmental and workplace safety protection, and staff inclusion and diversity. Accordingly, Jumbo implemented a Modern Slavery Policy to guide its operations and partnerships. Jumbo has a relatively simple supply chain that includes the following products and services: • lottery entries from official national and registered charity lotteries; • purchase of products and services needed for the businesses day-to- day operations including office supplies; • employment and training of staff; • external professional services including financial auditing and legal advice; leasing of office space; IT infrastructure and support services; and travel. • • • Jumbo endeavours to only work with suppliers that are aligned to our values. We expect our business partners to operate in accordance with all applicable modern slavery laws including those prohibiting human slavery and slavery like practices, human trafficking and child labour. We have a whistle-blower policy and an external hotline for staff and business partners to use. 34 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 35 FINANCIAL REPORT Cycling off a comparative period of high large jackpot activity, an increase in customer activity and engagement with mixed large jackpot activity has seen an increase in Total Transaction Value (TTV) and Revenue. 36 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 37 FY2019 has not been adjusted for comparative purposes to reflect changes from the effect of adopting accounting policy AASB 16 Leases from 1 July 2019, but is provided in the following table for information purposes: Statement of Profit or Loss and other comprehensive income Previous policy Adjustments Revised policy 30 June 2019 Revenue Occupancy expenses Administrative expenses • depreciation and amortisation Finance costs Profit before income tax Income tax expense Net profit after tax EBIT EBITDA EBIT margin (%) EBITDA margin (%) $'000 65,212 (742) (19,117) (3,433) (7) 38,219 (11,799) 26,420 36,755 40,188 56.4 61.6 $'000 - 772 (750) (750) (164) (142) 43 (99) 20 753 - 1.2 $'000 65,212 30 (19,867) (4,183) (171) 38,077 (11,756) 26,321 36,775 40,941 56.4 62.8 FY 2020 IN REVIEW Financial Headlines $’000 TTV Revenue Revenue margin EBITDA - underlying1 EBIT - underlying1 NPAT - underlying1 Adjustments - acquisition costs - fair value revaluation EBITDA - statutory EBIT - statutory NPAT - statutory Cash at bank Net assets Net tangible assets Share price at year end (cps) Dividends paid per share (cps) Total shareholder return (%) Earnings Per Share - underlying (cps) Return on capital employed (%) Shares on issue (million) Market capitalisation (million) EBITDA margin - underlying (%) EBIT margin - underlying (%) 1 refer page 43 for the reconciliation to statutory earnings Highlights Cycling off a comparative period of high large jackpot activity, an increase in customer activity and engagement (new and active customers) with mixed large jackpot activity (number and average value) has seen an increase in Total Transaction Value (TTV) and Revenue, and with a step-up in costs, has resulted in a marginal increase in underlying Net Profit After Tax. 5 year Total Transaction Value and average large jackpots (in $ millions) 400 350 300 250 200 150 100 50 348.6 320.7 183.1 38.4 40.1 153.3 145.3 28.8 28.4 42.2 FY16 FY17 FY18 FY19 FY20 80 70 60 50 40 30 20 10 FY2020 348,601 71,168 20.4% 43,223 37,236 26,465 (406) (176) 42,641 36,654 25,883 72,259 78,919 53,174 958.0 40.0 (50.5%) 42.5 32.8% 62.4 598.0 60.7% 52.3% FY2019 320,659 65,212 20.3% 40.188 36,755 26,420 - - 40,188 36,755 26,420 84,583 77,378 61,780 2015.0 34.0 309.8% 43.9 34.1% 62.1 1,251.8 61.6% 56.6% Variance % 8.7% 9.1% 0.1ppt 7.6% 1.3% 0.2% - - 6.1% (0.3%) (2.0%) (14.6%) 2.0% (20.7%) (52.5%) 17.6% (360.3ppt) (3.2%) (1.3ppt) 0.5% (52.2%) (0.9ppt) (4.3ppt) • Revenue $71.168 million – 9% increase • Net Profit After Tax – underlying $26.465 million – 0.2% increase • Dividends paid 40.0 cents (fully franked) – 18% increase FY2021 outlook • The signing of revised 10 year agreements with Tabcorp introduces new expenses in Service fees in COSs but gives long-term certainty to the Reseller business segment • The burgeoning SaaS business segment is set to make a meaningful contribution from existing agreements going fully live, and a full year con- tribution from Gatherwell in the UK 38 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 39 DIRECTORS’ REPORT The Directors of Jumbo Interactive Limited (Company), present their report on the consolidated entity (Group), consisting of Jumbo Interactive Limited and the entities it controlled at the end of, and during, the financial year ended 30 June 2020. and has a wealth of experience in corporate governance principles and practices. Bill is a fellow of Governance Institute Australia and has been a presenter at GIA courses in company secretarial practice. Board of Directors The following persons were Directors of the Company during the whole of the financial year and up to the date of this report, unless otherwise stated: David K Barwick: Chairman, Independent Non-Executive Director. Mike Veverka: Managing Director and Chief Executive Officer. Bill Lyne: Independent Non-Executive Director. Giovanni Rizzo: Independent Non-Executive Director. Sharon Christensen: Independent Non-Executive Director (appointed 1 September 2019). Details of the experience, qualifications and special responsibilities, and other Directorships of listed companies, in respect of each of the Directors as at the date of this Directors’ Report are set out in the pages as follows: David K Barwick Experience: Appointed as a Board member on 30 August 2006 and Chairman on 7 November 2007. David Barwick is an accountant by profes- sion with over 40 years experience in the management and administration of publicly listed companies both in Australia and North America. During this period David has held the position of Chairman, Managing Director or President of over 30 public companies covering a broad range of activities. Special responsibilities: Chairman (Non-Executive); member of the Nomination and Remuneration Committee; and member of the Audit and Risk Management Committee. Australian Listed Company Directorships held in the past three years: None, Interest in shares and options: 3,000 ordinary shares only in Jumbo Interactive Limited. Mike Veverka Experience: Mike Veverka has been Chief Executive Officer and Director of Jumbo Interactive Limited since the restructuring of the Company 8 September 1999. Mike was instrumental in the development of the e-com- merce software that is the foundation of the various Jumbo operations. Mike was the original founder of subsidiary Benon Technologies Pty Ltd in 1995 when development of the software began. Mike also established a leading Internet Service Provider in Queensland which operated successfully for three years before being sold. Mike is regarded as a pioneer in the Australian internet industry with many success- ful internet endeavours to his name. Mike graduated with an Honours degree in engineering in 1987. Qualifications: Bachelor of Engineering (Hons). Special responsibilities: Chief Executive Officer. Australian Listed Company Directorships held in the past three years: None. Interest in shares and options: 9,515,729 ordinary shares, nil options and 20,202 rights over ordinary shares in Jumbo Interactive Limited. Bill Lyne Experience: Appointed as a board member on 30 October 2009. Bill Lyne is the principal of Australian Company Secretary Service, providing company secretarial, compliance and governance services to public companies. He is currently company secretary of two other publicly listed companies, is a former secretary and/or director of a number of other listed companies, Qualifications: Bachelor of Commerce; Chartered Accountant. Special responsibilities: Chair of the Audit and Risk Management Committee; member of the Nomination and Remuneration Committee; and Company Secretary. Australian Listed Company Directorships held in the past three years: None. Interest in shares and options: 2,000 ordinary shares only in Jumbo Interactive Limited. Giovanni Rizzo Experience: Appointed as a board member on 1 January 2019. Giovanni Rizzo is a specialist in the gaming industry with over 20 years’ experience in various management roles of large listed lottery, casino and electronic gaming machine businesses in South Africa, Canada and Australia. Most recently, Giovanni was Head of Investor Relations at Tatts Group Limited, Australia’s exclusive operator of licenced lotteries. Qualifications: Bachelor of Commerce (Honours) in Finance and Audit; Chartered Accountant in Australia, New Zealand and South Africa. Special responsibilities: Chair of the Nomination and Remuneration Committee; member of the Audit and Risk Management Committee. Australian Listed Company Directorships held in the past three years: None. Interest in shares and options: 2,000 ordinary shares only in Jumbo Interactive Limited. Sharon Christensen Experience: Appointed as a board member on 1 September 2019, Sharon Christensen has 29 years of commercial, legal and regulatory experience and is a research leader in regulatory responses to digital innovation and disruption. Most recently, Sharon was a Non-Executive Director of Property Exchange Australia Ltd, the operator of the national online property exchange network, and is a member of the Australian Institute of Company Directors. Qualifications: Bachelor of Laws (Honours); Master of Laws. Special responsibilities: Member of the Nomination and Remuneration Committee. Australian Listed Company Directorships held in the past three years: None. Interest in shares and options: 2,050 ordinary shares only in Jumbo Interactive Limited. Company Secretary Mr Bill Lyne was appointed Company Secretary 19 October 2007. Refer to the information on Directors for details of experience and qualifications. Principal Activities The principal activity of the Group during the financial year was the retail of lottery tickets through the internet and mobile devices sold both in Australia and eligible overseas jurisdictions. There were no significant changes in the nature of the Group’s principal activities that occurred during the financial year. Review of operations A review of the Group’s operations for the financial year and the results of those operations, is contained in the Operating and Financial Review as set out on pages 42 to 45 of this report. Dividends A fully franked final dividend of 21.5 cents per fully paid ordinary share for the year ended 30 June 2019 was paid on 20 September 2019, and a fully franked interim dividend of 18.5 cents per fully paid ordinary share for the year ended 30 June 2020 was paid on 20 March 2020. • Northern Territory - 10 years to 25 August 2030 with renewal negotiations 9 months prior to expiry, for sales to customers in the Northern Territory and eligible overseas jurisdictions Tabcorp have a strategically important substantial stake in the Company which is currently 11.6%. The domestic internet market is currently estimated to be ~28% of the total domestic lottery market, and increasing at ~3 to ~4 percentage points p.a. (the five year CAGR to FY2020 is 21.9%). This compares to more mature overseas markets such as UK and Finland where the internet market is esti- mated to have reached ~31% and ~48% respectively. On 26 August 2020, the Directors have determined to pay a fully franked final dividend for the financial year ended 30 June 2020 of 17.0 cents per fully paid ordinary share (2019: 21.5 cents per fully paid ordinary share), to be paid on 30 September 2020. The Company started selling Charity lottery tickets in July 2015 and added one charity during the financial year for a current total of seven chari- ties, and increased sales by 14% in FY2020. At least one further charity is expected to be added in FY2021, and sales growth is expected to continue. Further details of dividends provided for or paid are set out in note 15: Dividends to the Consolidated Financial Statements on page 78. Charity lottery games are undertaken through the following lottery agreements: State of Affairs Changes in the state of affairs are set out on page 45 and form part of the Directors’ Report for the financial year ended 30 June 2020. Corporate Governance Statement The Corporate Governance Statement is available on the Company's website at https://www.jumbointeractive.com/governance/corporate_gov- ernance_statement.pdf. Events after the reporting date Apart from (i) the revised long-form reseller agreement signed with Tabcorp as announced 25 August 2020 and consequent payment of the $15,000,000 extension fee, and (ii) the final dividend declared, as at the date of this Directors’ Report, the directors are not aware of any matter or circumstance that has arisen that has significantly affected, or may significantly affect, the operations of the Company in the financial years sub- sequent to 30 June 2020. The above items are not recognised in the financial statements 30 June 2020. Likely developments, key business strategies and future prospects The Company is evolving from a single- to a dual-stream revenue business with the burgeoning Software-as-a-Service (SaaS) business segment taking shape and which will expand in FY2021. Our business The Group is a leading digital retailer of both national jackpot lotteries and charity lotteries. We utilise the latest technology to craft an engaging and entertaining purchase experience for our customers across a range of digi- tal platforms. Reseller business This is a well established digital reseller business through its flagship ser- vice www.ozlotteries.com, which activities include the sale of Australian lotteries (national and charities) in eligible jurisdictions in both Australia and internationally. There is a long, strong relationship that started with Tattersall’s more than 15 years ago and continues today with Tabcorp following the merger of the companies in December 2017. Sale of national lottery games are undertaken through the following lottery agreements with Tabcorp: • Victoria – 10 years to 25 August 2030 with renewal negotiations 9 months prior to expiry, for sales to customers in Victoria • New South Wales – 10 years to 25 August 2030 with renewal negotia- tions 9 months prior to expiry, for sales to customers in New South Wales, Tasmania and the Australia Capital Territory • South Australia - 10 years to 25 August 2030 with renewal negotiations 9 months prior to expiry, for sales to customers in South Australia Mater – 5 years from 19 April 2017 • • Endeavour Foundation – 5 years from 12 June 2017 • Surf Life Saving Lotteries - 5 years from 31 May 2017 • RSPCA – 5 years from 24 April 2018 • The Deaf Lottery Association – 5 years from 21 November 2017 • ACT for kids – 5 years from 19 July 2017 • Classics For A Cause – 1 + 1 year from 1 June 2020 The Company is well placed to continue with its medium to long term plans with confidence to grow the internet lottery business segment in Australia. Software-as-a-Service (SaaS) business The burgeoning SaaS business is engaged in licensing its lottery platform (PoweredByJumbo) (PBJ) which has been developed from experience over the past 15 years and is used for the Company’s www.ozlotteries. com business, as well as providing lottery services. The Company currently has agreements signed with customers with TTV of ~$140 million that is expected to generated incremental revenue of ~$4.5 million, incremental profit of ~$3.4 million, and incremental EBITDA of ~$3.9 million, with ~75% estimated in FY2021 and 100% in FY2022. The Company currently has the following SaaS agreements: • Mater – 5 + 5 years from 8 November 2018. Fully live July 2020 • Endeavour Foundation – 5 + 5 years from 15 August 2019. Digital live and expected to be fully live by 31 October 2020 • Deaf Services – 5 + 5 from 5 December 2019. Expected to be fully live by September 2020 • Multiple Sclerosis Queensland – 5 + 5 from 25 February 2020. Anticipated to be fully live by 31 December 2020 • Classics For A Cause – signed 8 April 2020 - 1 + 1 year from live date expected to be by 30 September 2020 The SaaS objective is to sign up customers with an aggregate TTV of $100 million each year whether this be two customers with TTV of $50 million each or 10 customers with TTV of $10 million each. The Company acquired Gatherwell Limited in the UK on 29 November 2019, which is a licenced External Lottery Manager providing a turnkey digital lot- tery solution to lotteries across the UK, that also has application in Australia and elsewhere internationally. Gatherwell’s main customers are schools through www.yourschoollottery.co.uk , local authorities/councils, and small society lotteries through www.onelottery.co.uk and other individual brands. There are good growth prospects with approximately 32,770 schools of which ~1,300 are existing Gatherwell customers ~ 4% and about 408 princi- pal councils of which ~67 are existing Gatherwell customers ~16%. The SaaS business segment is also well placed for expected strong growth over the medium to long term. JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 41 40 Group The new 10 year extension to the Tabcorp agreements and strategy to accelerate the growth of the SaaS business will result in an uplift of oper- ating expenses for FY2021. These increased operating expenses will underpin the planned continued growth of Jumbo over the next three to five years with the principal uplift relating to increased marketing expenses and marketing software capabilities to drive TTV growth. There will also be an uplift in employee costs and consulting/contracting costs to give Jumbo the bench strength to accelerate the growth of the SaaS business. Coronavirus (COVID-19) pandemic There has been a positive financial impact of COVID-19 up to 30 June 2020 for the Group. With people working from home and social distancing being in effect there has been an increase in digital lottery sales but increased levels of unemployment and uncertainty of reduced spend of disposable income. Tracking low level jackpots has seen an increase in ticket sales on a like-for-like basis. Gatherwell’s core subscription business has held up well and signing up of new customers has had to be deferred due to lock-down restrictions in the UK which in turn will defer expected future growth. We remain committed to keeping our employees and their families safe and ensuring their ongoing health and wellbeing during this unprecedented time. A work from home (WFH) policy has been introduced and staff can work between home and the office as required. The Company has a COVID-safe plan that it operates to. Environmental regulation The Group’s operations are not regulated by any significant environmental regulation under a law of the Commonwealth or of a State or Territory. Directors’ meetings The number of meetings of the Board of Directors (including board committees) held during the year ended 30 June 2020 and the number of meetings attended by each Director is set out in the table below: Meetings table1 Board Audit and Risk Management Committee Nomination and Remuneration Committee Director Eligible to attend Attended Eligible to attend Attended Eligible to attend Attended David Barwick Mike Veverka Bill Lyne Sharon Christensen Giovanni Rizzo 1 Meetings include Circulating Resolutions 20 20 20 17 20 20 20 19 17 20 9 - 9 - 9 9 - 8 - 9 3 - 3 2 3 3 - 3 2 3 Share options Unissued ordinary shares of the Company under options at the date of this report are as follows: Name Directors Mike Veverka Number of rights granted Number of ordinary shares under right 70,453 70,453 Date options granted Expiry date 18 November 2015 18 November 2020 15 November 2017 15 November 2022 Exercise price of shares $1.75 $3.50 Number under option Other key management personnel 100,000 600,000 700,000 Xavier Bergade Brad Board David Todd 30,823 30,823 30,823 162,922 30,823 30,823 30,823 162,922 The holders of these options do not have any rights under the options to participate in any share issue of the Company or of any other entity. Indemnifying officers or auditor During or since the financial year ended 30 June 2020, the following ordi- nary shares of Jumbo Interactive Limited were issued on the exercise of options granted. Date options granted Issue price of share Number of shares issued During the financial year, the Company paid a premium in respect of a con- tract insuring directors, secretaries and executive officers of the Company and its controlled entities against a liability incurred as director, secretary or executive officer to the extent permitted by the Corporations Act 2001. The contract of insurance prohibits disclosure of the nature of the liability and the amount of the premium. 18 November 2015 15 November 2017 $1.75 $3.50 150,000 150,000 300,000 The Company has not otherwise, during or since the end of the financial year, except to the extent permitted by law, indemnified or agreed to indem- nify an officer of the Company or any of its controlled entities against a liability incurred as such an officer. No indemnity has been provided to, or insurance paid on behalf of, the auditor of the Group. No amounts are unpaid on these shares. During or since the financial year ended 30 June 2020, the following rights were granted by Jumbo Interactive Limited to Directors and key manage- ment personnel, including the five most highly remunerated officers, of the Group as part of their remuneration. Non-audit services During the financial year, the Company’s auditor BDO Audit Pty Ltd, or their related practices (herein also referred to BDO), performed other services in addition to its audit responsibilities. On the advice of the Audit and Risk Management Committee, the Directors are satisfied that the provision of non-audit services, during the year, by the auditor (or by another person or firm on behalf of the auditor), is com- patible with the general standard of independence for auditors imposed by the Corporations Act 2001. This Directors’ Report is made in accordance with a resolution of the Directors of the Company. David K Barwick Chairman Brisbane 26 August 2020 On the advice of the Audit and Risk Management Committee, the Directors are satisfied that the provision of non-audit services by the auditor, as set out above, did not compromise the auditor independence requirements of the Corporations Act 2001 for the following reasons: • all non-audit services have been reviewed by the Audit and Risk Management Committee to ensure that they do not impact the integrity and objectivity of the auditor; and • none of the non-audit services undermine the general principles relat- ing to auditor independence as set out in APES 110 Code of Ethics for Professional Accountants. Details of the amounts paid to BDO for non-audit services throughout the year are set out below: Taxation services Consolidated 2020 $ 2019 $ Tax compliance services - tax returns 52,500 43,000 Other tax advice Total taxation services Other services Accounting advice Whistleblower services Due diligence Total other services Total fees for non-audit services 9,300 6,000 61,800 49,000 - 6,500 84,423 90,923 152,723 5,250 5,000 - 10,250 59,250 CEO and CFO declaration The Chief Executive Officer (CEO) and Chief Financial Officer (CFO) have provided a written declaration to the Board in accordance with section 295A of the Corporations Act 2001. With regards to the financial records and systems of risk management and internal compliance in this written declaration, the Board received assurance from the CEO and CFO that the declaration was founded on a sound system of risk management and internal control, and that the system was operat- ing effectively in all material respects in relation to the reporting of financial risks. Proceedings against the Company No person has applied to the Court under section 237 of the Corporations Act 2001 for leave to bring proceedings on behalf of the Company, or to intervene in any proceedings to which the Company is a party, for the pur- pose of taking responsibility on behalf of the Company for all or part of those proceedings. No proceedings have been brought or intervened in on behalf of the Company with leave of the Court under section 237 of the Corporations Act 2001. Remuneration Report The Remuneration Report is set out on pages 47 to 55, and forms part of the Directors’ Report for the financial year ended 30 June 2020. Rounding of amounts The company satisfies the requirements of ASIC Corporations (Rounding in Financial/Directors’ Reports) Instrument 2016/191 issued by the Australian Securities and Investments Commission in relation to rounding of amounts in the directors’ report and the financial statements to the nearest thousand dollars. Amounts have been rounded off in the directors’ report and financial statements in accordance with that Legislative Instrument. Auditor’s Independence Declaration A copy of the Auditor’s Independence Declaration, as required under section 307C of the Corporations Act 2001, is set out on page 56. 42 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 43 OPERATING AND FINANCIAL REVIEW Consolidated results of operations The Company reports revenue on a net revenue inflow basis where it considers that it acts more as an Agent than as a Principal such as with the sale of lot- tery tickets. The gross amount received for the sale of goods and rendering of services is advised as Total Transaction Value (TTV) for information purposes. Refer to note 2: Revenue and other income for details. Continuing operations TTV Revenue Cost of sales Gross profit Other income Expenses NPBT Income tax Expense NPAT EBITDA EBIT FY2020 348,601 71,168 (5,326) 65,842 1,318 (29,735) 37,425 (11,542) 25,883 42,641 36,654 FY2019 320,659 65,212 (5,068) 60,144 1,936 (23,861) 38,219 (11,799) 26,420 40,188 36,755 Variance % 8.7% 9.1% 5.1% 9.5% (31.9%) 24.6% (2.1%) (2.2%) (2.0%) 6.1% (0.3%) Cycling off a comparative period of relatively high large jackpot activity, the Company achieved a reasonable increase in TTV and Revenue due mainly to increased customer activity together with the acquisition of Gatherwell Ltd in the UK on 29 November 2019. During the financial year, the number of new online accounts increased by 21.1% to 350,319 (2019: 444,004) and number of active online customers increased by 8.6% to 827,411 (2019: 761,863), while the number of large jackpots decreased by 20.4% to 39 (2019: 49) and average value increased by 4.4% to $40.1 million (2019: $38.4million). The increase in expenses is largely related to (i) increased depreciation and amortisation with increased investment in the software platform and the introduction of accounting standard AASB 16 Leases, (ii) increased employee benefits with an increase in staff headcount to underpin the planned growth in the burgeoning Software-as-a-Service (SaaS) busi- ness segment, and (iii) being a larger company in the ASX300 Index with increased associated costs such as share registry activity, remuneration for an expanded Board. The overall decrease in Net profit after tax resulted from an increase in TTV and Revenue and a step-up in costs to position the Company for SaaS growth. The Company continues to invest in the three main pillars that support the ongoing growth of the Company with $6,432,000 (2019: $4,839,000) on its proprietary software platform (intangible assets), $5,577,000 (2019: $6,956,000) in marketing activities primarily to acquire new and retain existing customers, and $11,613,000 (2019: $8,731,000) on employees who provide the software development and marketing skills, customer support services, and management. Comparative analysis Compared to FY2019: TTV increased $27,942,000 or 8.7% to $348,601,000, principally due to: • $20,253,000 or 6.3% increase to $339,983,000 in Australia Lotteries mainly as a result of increased customer activity; and burgeoning Software-as-a-Service business. The revenue margin is affected by product mix, driven by large jackpot activity, and was an edge higher at 20.4% (2019: 20.3%); and • $1,520,000 from Gatherwell Ltd for the seven months since being acquired 29 November 2019. Cost of sales increased by $258,000 or 5.1% to $5,326,000 with a change in presentation of bank merchant fees and service fees for FY2019 from Expenses to COSs (see note 3: Expenses for details). • the margin to TTV is a slightly lower at 1.5% (2019: 1.6%). Other income, being mainly interest on cash and cash equivalents, decreased by $618,000 or 31.9% to $1,318,000 largely as a result of: • $487,000 or 33.3% decrease in interest on cash and cash equivalents for Australia Lotteries and Corporate through lower average balances mainly with the acquisition of Gatherwell Ltd for ~$10,000,000 cash and lower average interest rates (see note 19 (ii): Business combinations for details); and $107,000 or 26.9% decrease in foreign currency gains Expenses increased by $5,874,000 or 24.6% to $29,735,000 with a change in presentation of bank merchant fees and service fees for FY2019 from Expenses to COSs (see note 3: Expenses for details). The increase is mainly due to: • $1,378,000 or 19.8% decrease in marketing costs to $5,578,000 largely in Australia Lotteries due to the lower number of large jackpots; • $2,553,000 or 74.4% increase in depreciation and amortisation to $5,986,000 mainly due to (i) a change in accounting standards AASB 16 Leases (see note 13: Lease liabilities for details) and (ii) increased intangi- bles generated internally and through the Gatherwell Ltd acquisition (see notes 9: Intangible assets and 10: Right-of-use assets and details); • $2,757,000 or 31.6% increase in employee costs to $11,488,000 due largely to increased staff numbers to support the expanding business • $2,180,000 or 55.8% increase in other administrative expenses mainly as • $7,715,000 from Gatherwell Ltd for seven months since being acquired 29 a result of an expanded business. November 2019. Revenue increased $5,956,000 or 9.1% to $71,168,000 due mainly to: • $4,463,000 or 6.9% increase to $68,746,000 in Australia Lotteries as a result of the increased TTV and the inclusion of $260,000 from the NPBT of operations decreased $794,000 or 2.1% to $37,425,000, principally due to: The acquisition costs relate to the acquisition of Gatherwell Limited in the UK on 29 November 2019. • $211,000 or 0.5% increase in Australia Lotteries profits due to increased TTV and Revenue and costs which increased by 18.2%; • a decrease of $44,000 or 8.9% in All Other Segment profits from decreased TTV/Revenue and increased expenses; • $151,000 contribution from Gatherwell Ltd acquired 29 November 2019; and • $1,112,000 or 41.5% increase in Corporate losses mainly as a result of decreased other revenue $156,000 and increased expenses $956,000 Australia Lotteries NPBT increased by 0.5% or $211,000 due to: • • • increased TTV by 6.3% or $20,253,000 and Revenue and other income by 6.0% or $3,958,000 largely from improved customer activity; increased cost of sales by 1.4% or $70,000; and increased costs by 18.2% or $3,677,000 largely due to lower market- ing expenses $1,406,000, increased depreciation and amortisation $2,264,000, increased employee benefits $2,444,000 All Other Segments NPBT decreased 8.9% or $44,000 due to: • decreased revenue of 2.9% or $27,000; and increased costs by 3.9% or $17,000. Software-as-a-Service UK NPBT contribution $151,000 with the acquisition of Gatherwell Ltd on 29 November 2019. The level of customer activity, together with large jackpot activity, are an important driver of sales. The level over the last three financial year periods is summarised in the following table: Large jackpot activity FY 2020 FY 2019 FY 2018 TTV - Internet Lotteries Australia Reported Revenue - Internet Lotteries Australia Customer Activity $340.0 m $319.7 m $183.0 m $68.7 m $64.3 m $39.8 m Number of new online accounts 350,319 444,004 214,908 Number of active online customers OzLotto/Powerball Number of jackpots1 827,411 761,863 437,540 39 49 32 Average Div 1 jackpot1 $40.1 m $38.4 m $28.4 m Peak Div 1 jackpot2 $150 m $100 m $55 m Aggregate Div 1 jackpots2 $1,565 m $1,880 m $910 m 1 Ozlotto/Powerball Division 1 jackpots of $15 million or more 2 during the financial year period Reconciliation to Statutory Earnings Underlying earnings is a non-statutory measure and is the primary reporting measure used by management and the Group’s chief operating decision maker for the purposes of managing and assessing the financial perfor- mance of the business. Underlying earnings is derived by adjusting the statutory earnings for significant non-recurring, non-operating items as follows: Underlying EBITDA Underlying EBIT Underlying NPAT Add/(deduct) significant items • Acquisition costs • Fair value of financial liability Statutory EBITDA Statutory EBIT Taxation benefit/(expense) FY2020 $’000 43,223 37,236 26,465 (406) (176) 42,641 36,654 - FY2019 $’000 40,188 36,919 26,420 - - 40,188 36,919 - Statutory NPAT 25,883 26,420 The revaluation of fair value is an increase in the fair value of the deferred contingent compensation liability payable for the Gatherwell acquisition based on an higher probability of this being paid when it is due after 30 June 2021. Segment review (a) Online Lottery Segment This segment consists of reseller activities with the sale of the Australian lottery games (national and charities) in Australia and other eligible jurisdictions. Improved customer activity (new customers and engagement with existing customers) together with the mixed level of large jackpot activity combined to increase revenue by 6.9% to $68,746,000 (2019: $64,283,000) despite cycling off a comparative period of high large jackpot activity. Other income decreased by $505,000 or 35.8% mainly due to decreased interest rev- enue with lower average balances and lower average interest rates, and reduced foreign exchange gains. Net profit before tax increased by 0.5% to $40,614,000 (2019: $40,403,000) due to the higher customer activity and mixed large jackpot activity notwithstanding an increase in expenses of 18.2% or $3,677,000, which mainly relate to a decrease in market- ing $1,406,000 from lower large jackpot activity, decreased occupancy expenses $607,000 and increased finance costs $209,000 due to the adoption of AASB 16 Leases, and an increase in administrative expenses $5,479,000. The $5,479,000 increased administrative expenses is mainly due to an increase in depreciation and amortisation $2,264,000 with an increased investment in the software platform and a change in accounting standards AASB 16 Leases, an increase in employee benefits $2,444,000 and payroll tax $163,000 to support the burgeoning SaaS business segment, and an increase in software licensing $564,000 to provide enhanced marketing capabilities to SaaS customers which will also benefit the Company’s own reseller business. TTV for the financial year increased by 6.3% to $339,983,000 (2019: $319,730,000), which includes a 14.1% increase in charity lottery sales to $8,864,000 (2019: $7,770,000), 2.6% of TTV (2019: 2.4%). Included in the TTV, Revenue and NPBT is $260,000 (2019: $nil) from the emerging SaaS business segment which will be reported separately in FY2021. Jumbo invests extensively in online marketing to grow and activate the cus- tomer database whom transact via its website (www.ozlotteries.com) and associated mobile apps (iOS & Android). The following key performance indicators (KPI’s) are used to track the effec- tiveness of these campaigns: 1. Number of new online accounts defined by new customers creating an account in a given period. 2. Number of Active Online Customers defined as customers who have spent money on tickets in a given period. 3. Average spend per active online customer defined as the total spent by active online customers divided by the number of active online customers in a given period. 4. Cost per Lead (new online accounts) defined as total cost to acquire these new accounts divided by the number of new accounts in a given period. New accounts potentially become active customers after the account has been established. The following table summarizes the Marketing KPI’s: www.ozlotteries.com and mobile apps FY 2020 FY 2019 Number of new online accounts 350,319 444,004 Number of active online customers 827,411 761,863 Average spend per active online customer $383.12 $385.44 Cost per lead $14.28 $13.81 44 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 45 The 21.1% decrease in new online accounts is largely due to a reduction in marketing on customer acquisitions due to lower large jackpot activ- ity (20.4% lower in number and 4.4% higher in average value). The 8.6% increase in active online customers is due mainly to customer engage- ment activities. The 0.6% decrease in average spend is largely due to the decrease in large jackpot activity and the 3.4% increase in CPL is mostly due to the marketing mix and decrease in large jackpot activity. (b) All Other Segments This segment consists of the sale of non-lottery products and services. TTV and Revenue and other income increased to $902,000 (2019: $929,000) and net profit before tax increased to $450,000 (2019: $494,000), due to decreased revenue and increased expenses. (c) Software-as-a-Service (SaaS) UK This segment consists of the provision of lottery software services in the UK with the acquisition of Gatherwell Limited on 29 November 2019. Gatherwell provides a turnkey digital lottery solution to charities in the UK and has appli- cation in Australia and elsewhere internationally. For the seven month period to 30 June 2020, TTV was $7,715,000, Revenue $1,520,000 and net profit before tax $151,000. The NPBT of $151,000 is after the Consolidation expense of $263,000 (2019: $nil) amortisation of developed software and customer contracts and relations that arose on consolidation with the acquisition of Gatherwell Limited in the UK on 29 November 2019. Before this expense, the underlying NPBT of Gatherwell is $414,000. (d) Corporate The net loss increased by 41.5% or $1,112,000 to NLBT $3,790,000 (2019: NLBT $2,678,000) mainly due to increased expenses $956,000 or 29.8% largely from (i) non-recurring costs $406,000 relating to the acquisition of Gatherwell Limited, (ii) decreased employee benefits in salaries and share- based payments $466,000 with a reduction in the exercise of staff options during the financial year, (iii) increased expenses associated with being a larger company in the ASX300 Index - increased share registry related expenses $234,000 from increased share register activity and market capitalisation, and increased directors’ remuneration $299,000 with the appointment of additional directors on 1 January 2019 and 1 September 2019, and increased insurance expenses $224,000. With an increased probability of paying the earnout milestone following 30 June 2021 year end (deferred contingent consideration) for the Gatherwell acquisition, increase in the fair value of this consideration amount payable has been expensed $176,000. Other revenue decreased 29.6% or $156,000 from lower average balances and lower average interest rates. Summary of results The annual comparison of results of the Company for the past five years is summarised below: Revenue/profits ($’000) TTV Revenue NPAT – overall operations NPAT – continuing operations NPAT – discontinued operations EBITDA – continuing operations EBIT – continuing operations Assets Cash at bank1 ($’000) Net assets ($’000) Net tangible assets ($’000) Return on capital employed (%) – overall operations Return on capital employed (%) – continuing operations Return on capital employed (%) – discontinued operations FY2020 FY2019 FY2018 FY2017 FY2016 348,601 320,659 183,146 145,322 153,302 71,168 65,212 39,775 32,429 34,083 25,883 26,420 12,127 25,883 26,420 11,753 5,640 7,597 4,670 7,323 - - 374 (1,957) (2,653) 42,641 40,188 19,415 14,094 13,717 36,654 36,755 16,241 10,463 10,073 FY2020 FY2019 FY2018 FY2017 FY2016 72,259 84,583 47,919 43,320 25,306 78,919 77,378 47,211 42,900 24,696 53,174 61,780 33,124 30,484 12,949 32.8 32.8 - 34.1 34.1 - 25.7 24.9 0.8 13.1 17.7 (4.6) 18.9 29.6 (10.7) 1 includes cash held under term deposit and customer account balances payable (refer note 7: Cash and Cash Equivalents and Note 11: Trade and Other Payables for details) Share price Earnings per share (cps) Dividends paid per share (cps) Share price at financial year end (cps) Total shareholder return (%) Shares on issue (million) Market capitalisation ($’million) FY2020 FY2019 FY2018 FY2017 FY2016 42.5 40.0 43.9 34.0 958.0 2015.0 (50.5) 309.8 62.4 62.1 23.4 35.5 500.0 101.3 54.4 12.6 8.5 266.0 111.2 50.7 598.0 1,251.8 271.9 134.8 10.6 3.5 130.0 57.1 44.1 57.3 Financial position The net assets of the Group have increased by $1,541,000 from 30 June 2019 to $78,919,000. The Group’s working capital, being current assets less current liabilities, has decreased from $61,870,000 in 2019 to $52,434,000 in 2020 mainly as a result of decreased cash and cash equivalents of $12,324,000. $8,789,000 of this decrease was the purchase of Gatherwell Limited in the UK for cash (see note 19: Business combinations for details) Non-current assets increased by $17,394,000 to $33,520,000 due mainly to (i) the investment in the software platform, (ii) goodwill, intangible assets and deferred consideration on the acquisition of Gatherwell Limited, and (iii) right-of-use assets on the adoption of new accounting standard AASB 16 Leases. The Directors believe the Group is in a sound financial position to expand and grow its current operations. Significant changes in State of Affairs Significant changes in the state of affairs of the Group for the financial year were as follows: Decrease in cash of $12,324,000 resulting from: Purchase of Gatherwell Limited including contingent consideration and net of cash acquired (see note 19: Business combinations for details) Other activities (see Statement of Cash Flows for details) Increase in non-current assets of $17,394,000 resulting from: investment in website development costs net of amortisation (see note 9: Intangible assets for details) Goodwill, software and customer relationships and contracts on acquisition of Gatherwell Limited (see note 9: Intangibles assets and note 19: Business combinations for details) Right-of-use assets with adopting AASB 16 Leases (see note 10: Right-of-use assets for details) Other non-current assets (see note 19: Business combinations for details) Changes in other non-current assets (see notes 4, 8, and 9 for details) Increase in non-current liabilities of $6,417,000 from: Lease liabilities with adopting AASB 16 Leases (see note 13: Lease liabilities for details) Contingent consideration at fair value for Gatherwell acquisition (see note 19: Business combinations for details) Changes in other non-current liabilities $’000 8,789 3,535 12,324 $’000 2,038 8,090 5,185 1,761 320 17,394 $’000s 4,395 1,581 441 6,417 46 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 47 REMUNERATION REPORT – AUDITED Content Page 47 1. Remuneration Report Introduction 47 2. Directors and Executives 47 3. Remuneration policy and link to performance 48 4. Elements of remuneration 5. Details of Remuneration 51 6. Performanced base remuneration granted and forfeited during the year 52 52 7. Employment contracts of directors and KMP 52 8. Options and rights granted as remuneration 54 9. Equity instruments issued on exercise of remuneration options 54 10. Value of options and rights to key management personnel 55 11. Other transactions and balances deferred for 2 years into restricted equity with a formal clawback mechanism. • 25% is payable as a long term incentive (LTI) ‘at risk’ component awarded on the achievement of a performance condition over a three-year period that comprises a 100% restricted equity component with a formal claw- back mechanism. • minimum shareholding requirement (MSR) comprising holding fully paid ordinary shares in the Company to the value of 100% of the TRO within five years of falling under the remuneration framework. In establishing the TRO for FY2020, the Company considered data from peer groups and benchmarked this against the 25th percentile of executive remuneration of a peer group of companies, adjusted for role complexity, and scope and availability of similar qualified executives in the domestic market. The Company engaged an independent remuneration consultant in providing this information and the peer benchmark group selected was 56 companies within the ASX300 index based on a 12-month average market capitalisation within 50% to 200% of Jumbo's market capitalisation of $960 million at 31 December 2018. Balancing short-term and long-term performance Annual incentives are set at a maximum of 50% of fixed remuneration, in order to drive performance without encouraginng undue risk-taking. Sustainability of results is also ensured by the deferral of 50% of the short- term incentives for 2 years. This also encourages talent retention. Long-term incentives are assessed over a three year period and are designed to pro- mote long-term stability in shareholder returns. The target remuneration mix for FY2020 is shown in figures below. It reflects the STI opportunity for the current year that will be available if the performance conditions are satisfied at target, and the value of the LTI rights granted at the beginning of the year, as determined at the grant date. 1. Remuneration Report Introduction The directors present the Jumbo Interactive Limited Remuneration Report for the year ended 30 June 2020, outlining key aspects of our remuneration policy and framework, and remuneration awarded this financial year. The remuneration framework has been re-designed and new remuneration approach adopted FY2020 and beyond. The information in this Report has been audited. 2. Directors and Executives The Key Management Personnel (KMP) of the Group (being those whose remuneration must be disclosed in this Report) includes the Non-Executive Directors and those Executives who have the authority and responsibility for planning, directling and controlling the activities of Jumbo. The Non-Executive Directors and Executives that were the KMP of the Group during the financial year are identified as follows: Directors and executives Name Position held Non-Executive Directors David K Barwick Chairman, Independent Non-Executive Director Sharon Christensen Independent Non-Executive Director Bill Lyne Giovanni Rizzo Executive KMP Mike Veverka David Todd Xavier Bergade Brad Board Independent Non-Executive Director Independent Non-Executive Director Director and Chief Executive Officer Chief Financial Officer Chief Technical Officer Chief Operating Officer There have been no changes since the end of the reporting period. 3. Remuneration and link to performance Our Nomination and Remuneration committee is made up of independ- ent non-executive directors. The committee reviews and determines our remuneration policy and structure annually to ensure it remains aligned to business requirements, and meets our remuneration principles. From time to time, the committee also engages external remuneration consultants to assist with this review (see later in this section for further information). In particular the board aims to ensure that remuneration framework is structured: • • • • to make the remuneration approach and outcomes easier to understand and more transparent to shareholders; to strengthen alignment of remuneration with our strategic vision, with its unique challenges and opportunities, to create long-term shareholder value; to attract, motivate and retain the talent that we require to succeed in the long-term; and, to create a maximum remuneration opportunity for senior Executives that rewards them with both cash and locked-in equity that ensures strategic decisions are focused on delivering long-term value rather than short- term outcomes. Total Remuneration Opportunity (TRO) comprises fixed remuneration and incentives. The remuneration framework for Executive KMP comprises four components: • 50% is paid as a fixed remuneration (FR) not ‘at risk’ that comprises a base salary and superannuation. The base salary is benchmarked at the 25th percentile of a group of peer companies in the ASX300 based on market capitalisation which is reviewed annually. • 25% is payable as a short term incentive (STI) ‘at risk’ component awarded on the achievement of performance conditions over a 12-month period that comprises a 50% cash component and a 50% component 48 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 49 Short-term Incentive (25% of TRO and subject to financial/operational hurdles) 50% of STI deferred into restricted rights/shares (1-year time-based restriction + 1 year lock-up period) Grant of Rights Payment of 50% cash STI Vesting of Rights (ii) Short term incentives Feature Maximum opportunity CEO and other executives - 25% of FR Description Performance metrics The STI metrics align with our strategic priorities of market competitiveness, operational excellence, shareholder value and fostering tal- ented and engaged people 50% of the STI is allocated to financial targets and 50% to non-financial targets Metric Target Weighting Reason for selection One-year performance period Two-year restriction period Financial Underlying NPAT 1 Sliding scale from 6% increase (10% of STI) to 20% and above increase (100% of STI) 1 Jul 2019 30 Jun 2020 30 Jun 2021 30 Jun 2022 Grant of Rights Vesting of Rights Long-term Incentive (25% of TRO and subject to long term share price growth) Performance Hurdle 100% of LTI held as restricted rights (Qualification price performance hurdle - 100% weighting = Cliff Vesting) Exercise period to exercise vested perfomance rights Three-year performance period 1 Jul 2019 30 Jun 2020 30 Jun 2021 30 Jun 2022 30 Jun 2023 4. Elements of remuneration (i) Fixed annual remuneration (FR) The FR of Executives will consist of the cash salary, statutory superannua- tion contributions and other employee-elected salary sacrificed benefits. FR will be set with reference to the Executive’s knowledge, experience and skills, the magnitude of the responsibilities and complexities associated with the role and peer benchmarks. Benchmarking will be set at the 25th percen- tile of the Jumbo benchmark peer group. The peer group are comparable companies within the ASX300. In light of the significant challenges that COVID-19 is posing to the Australian economy and in recognition of the hardship that many of our customers may be facing, the Nomination and Remuneration Committee has decided to freeze any fixed remuneration increases for KMP for FY2021. The level of fixed remuneration for KMP will be reviewed for the FY2022 financial year. FR will always be considered in the context of the total remuneration pack- age payable to an Executive to ensure that the entire remuneration package is fair and competitive. Setting the annual STI pool The Nomination and Remuneration Committee will set an organisational total financial STI pool before the start of the financial year based on growth from the prior financial year. This financial STI pool will be formed as follows: • • • for every 1% of underlying NPAT growth between 5.0% to 10.0% under- lying NPAT growth over the prior financial year, 0.5% of NPAT will be allocated to the STI pool for every 1% of underlying NPAT growth between 10.0% to 20.0% under- lying NPAT growth over the prior financial year, 0.25% of NPAT will be allocated to the STI pool total organisational pool size will be capped at 5% of annual NPAT Each executive’s share of the total STI pool created will be based on a calcu- lation schedule of receiving between 0% to 100% of their maximum potential Financial STI opportunity depending on the level of underlying NPAT growth achieved between 6% to 20%. As an example, if the underlying NPAT growth for a financial year comes in at 12%, then the executive will receive 60% of their maximum Financial STI potential. Assessing performance and claw-back of remuneration The Nomination and Remuneration committee is responsible for assessing performance against KPIs and determining the STI and LTI to be paid. To assist in this assessment, the committee receives detailed reports on the performance from management which are based on independently verifiable data such as financial measures, market share, signed agreements and data available from independent providers. In the event of serious misconduct or a material misstatement in the Company’s financial statements, the committee can cancel or defer perfor- mance-based remuneration and may also claw back performance-based remuneration paid in previous financial years. EPS accretive business acquisition At least one New SaaS agreements At least two New ticket Reseller agreement At least one Product use satisfaction as measured through product feedback, customer sur- veys and app store/IOS rating Index of more than 75 Data protection and customer privacy No reportable breaches Compliance with regulations No reportable breaches Reflects improvements in both revenue and cost control Focus of the Group’s growth strategy for the next 2 to 5 years Focus of the Group’s growth strategy for the next 2 to 5 years Maintaining competitive advan- tage and market share 50.0% 12.5% 10.0% 7.5% 5.0% 5.0% 2.5% New customer accounts 345,745 2.5% Maintaining market share Delivery of new agreements within stated timeframes Actual Non-financial Staff morale 50% of the STI award is paid in cash Financial year end staff survey of no less than 4/5 2.5% 2.5% Reducing staff turnover will reduce costs and hence improve NPAT Delivery of STI Board discretion 50% of the STI is deferred for two years into shares and is subject to forfeiture on resignation. This encourages retention and share- holder alignment The Board has the discretion to adjust remuneration outcomes up or down to prevent any inappropriate reward outcomes, including reducing (down to zero, if appropriate) any deferred STI award 1 statutory NPAT before non-recurring/operating revenue/expenses and KMP/staff incentives (iii) Long-term incentives Executive KMP participate in an LTI award comprising annual grants of rights over fully paid ordinary shares which are subject to a three-year relative to Total Return growth rate condition. Further detail is shown in the table below: Feature Description Maximum allocation Performance hurdle Hurdle price Each Executive will receive an annual grant of rights to a dollar value equal to 25% of their FR with the number of rights based on the 10-day VWAP period up to 30 June of each year. The rights are exercisable into shares three years after grant and achieve- ment of the price performance hurdle. The allocation is divided by the hurdle price of the shares to determine the number of instruments. The JIN share price must outperform the historical growth rate of the ASX ‘total return’ All Ordinaries index (XAOA:ASX) in order for the rights award to vest. If the JIN share price does not outperform the ASX All Ordinaries growth hurdle set, no vesting occurs even if JIN has outperformed its peers. This is designed to focus executives on delivering sustainable long-term shareholder returns. JIN’s share price performance hurdle will be determined in three steps: (i) first, the ‘total return’ will be based on the 15-year average return of the ASX All Ordinaries Total Return Index (XAOA:ASX); (ii) second, the ‘return’ will be multiplied over a 3-year per- formance period on a compound basis and applied to JIN’s 90-day VWAP at the effective date to create the qualification price performance hurdle; and (iii) dividends earned will be included in the 3-year targeted CAGR share price over the qualifying perfor- mance period. Forfeiture and termination Rights will lapse if the performance hurdle price is not met. Rights will be forfeited on cessation of employment unless the Board determines otherwise as a ‘good leaver’, e.g. retirement due to injury, disability, death or redundancy. (d) Link between remuneration and performance FY2020 performance and impact on remuneration The Group’s performance in FY2020 was reasonable given it was cycling off high jackpot levels in FY2019, and the step-up expenses for the financial year. Management delivered an underlying operating NPAT growth result of 1% which is at the low end of the range, while achieving non-financial targets that will underpin future growth. For more information on strategic priorities and FY2020 results, see pages 42 to 45 of the Operating and Financial Review. As a result of the performance, the Board awarded Executives 50% of their respective maximum short-term incentives. Half of this incentive is payable as cash with the remaining portion paid in the form of restricted rights. The rights granted under the long-term incentive scheme will be tested in FY2022 subject to satisfying performance conditions. 50 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 51 Performance against key measures and impact on variable remuneration Metric STI NPAT Target Performance 50% of maximum STI awarded 6% to 20% and above increase 1% increase EPS business acquisition New SaaS agreements New ticket reseller agreements At least one At least two At least one Product use satisfaction 80 or more index One Two One 80.5 Data protection and customer privacy No reportable breaches No reportable breaches Compliance with regulations No reportable breaches No reportable breaches New customer accounts Delivery of new agreements in time 345,745 Actual 350,319 Extended at customer request Staff morale LTI 3 year share price hurdle No less then 4/5 survey result 4.3/5 No vesting from prior grant Outperform historic growth rate of ASX All Ordinaries Index (XAOA) FY2020 - 90-day VWAP $24.98 at 30 June 2022 Impact on incentive award 0% 100% 100% 100% 100% 100% 100% 100% 100% 100% n/a Statutory performance indicators We aim to align our executive remuneration to our strategic and business objectives and the creation of shareholder wealth. The table below shows measures of the Group’s financial performance over the last five years as required by the Corporations Act 2001. However, these are not necessarily consistent with the measures used in determining the variable amounts of remuneration to be awarded to KMPs (see the table above). As a consequence, there may not always be a direct correlation between the statutory key performance measures and the variable component awarded. Statutory key performance indicators of the Group over the last five years TTV continuing operations ($’000s) $348,601 $320,659 $183,146 $145,322 $153,302 FY 2020 FY 2019 FY 2018 FY 2017 FY 2016 Net profit after tax – continuing operations ($’000s) $25,883 $26,420 $11,753 Net profit after tax – overall operations ($’000s) $25,883 $26,420 $12,127 958 40.0 2015 34.0 500 35.5 (50.5%) 309.8% 101.3% 111.2% 41.5 32.8% 43.9 34.1% 23.4 25.7% 12.6 13.1% $7,597 $5,640 266 8.5 $7,323 $4,670 130 3.5 57.1% 10.6 18.9% $598,020 $1,251,794 $271,871 $134,793 $57,284 Share price at year end (cps) Dividends paid per share (cps) Total shareholder return (%) Earnings per share (cps) Return of capital employed (%) Market capitalisation ($‘000s) 5. Details of Remuneration Details of compensation of KMP of Jumbo are set out below: 2020 Short term employee benefits Post employment benefits Long term benefits Equity-set- tled share based payments Cash salary, fees and annual leave $ Cash bonus $ Non-mon- etary benefits $ Superan- nuation $ Long ser- vice leave $ Termination benefits $ Options and Rights1 $ Proportion of remu- neration that is performance based % Total $ Directors David Barwick Mike Veverka Sharon Christensen2 Bill Lyne Bill Lyne – as Company Secretary Giovanni Rizzo Other KMP David Todd 189,954 - 843,254 100,000 82,192 114,115 30,412 114,115 - - - - 360,456 43,750 Xavier Bergade 354,666 43,750 Brad Board Total KMP remuneration 347,644 43,750 2,436,888 231,250 - - - - - - - - - - 18,046 - 69,406 109,781 7,808 10,845 - 10,845 30,365 30,365 - - - - 7,836 5,755 30,365 13,840 208,045 137,212 - - - - - - - - - - - 208,000 179,522 1,301,963 - - - - 90,000 125,000 30,412 125,000 82,368 524,775 143,598 578,134 82,368 517,967 487,856 3,501,251 - 21.5 - - - - 24.0 32.4 24.3 1includes share based payments over the remaining term on those options exercised, if any, during the financial year 2appointed a non-executive director on 1 September 2019 2019 Short term employee benefits Post employment benefits Long term benefits Equity-set- tled share based pay- ments Cash salary, fees and annual leave $ Cash bonus $ Non-mon- etary benefits $ Superan- nuation $ Long ser- vice leave $ Termination benefits $ Options1 $ Total $ Proportion of remu- neration that is performance based % Directors David Barwick Mike Veverka Bill Lyne Bill Lyne – as Company Secretary Giovanni Rizzo2 Other KMP David Todd 110,500 - 489,122 299,280 83,625 26,353 26,250 - - - 263,846 158,025 Xavier Bergade 260,075 158,025 Brad Board Total KMP remuneration 262,976 158,025 1,522,747 773,355 - - - - - - - - - 10,497 49,095 7,944 - 2,494 38,287 38,287 37,213 - 7,251 - - - 4,084 4,084 3,896 183,817 19,315 - - - - - - - - - - 120,977 470,343 1,315,091 - - - 91,569 26,353 28,744 231,342 695,584 145,572 606,043 87,626 549,736 934,883 3,434,117 - 22.8 - - - 22.7 26.1 28.7 1includes share based payments over the remaining term on those options exercised, if any, during the financial year 2appointed a non-executuve director on 1 January 2019 52 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 53 6. Performanced base remuneration granted and forfeited during the year Rights granted over deferred shares The table below shows for each KMP how much of their STI was awarded and how much was forfeited. It also shows the value of rights that were granted, exercised and forfeited during FY2020. The number of rights and deferred shares and percentages vested/forfeited for each grant are disclosed in section 8 below. Performance based remuneration granted and forfeited during the year 2020 Mike Veverka David Todd Xavier Bergade Brad Board Total STI bonus (cash and rights) LTI rights Total opportunity $ Awarded % Forfeited % Value granted 1 $ Value exercised $ 400,000 175,000 175,000 175,000 50 50 50 50 50 50 50 50 400,000 175,000 175,000 175,000 - - - - 1 The value at grant date calculated in accordance with AASB 2 Share-based Payment of rights granted during the year as part of remuneration 7. Employment contracts of directors and KMP The employment conditions of non-executive directors are formalised by let- ters of appointment and KMP are formalised in contracts of employment. The maximum annual aggregate directors’ fee pool limit is $750,000 and was approved by shareholders at the Annual General Meeting on 24 October 2019. The employment contracts stipulate a range of terms and conditions. These contracts do not fix the amount of remuneration increases from year to year, with remuneration levels reviewed generally each year by the Nomination and Remuneration Committee. The Company may terminate an employment contract without cause by providing generally four weeks written notice or making payment in lieu of notice, based on the individual’s annual salary component. The employee is entitled to pro-rata STI for the year, and unvested LTI will remain on foot subject to achievement of the performance hurdles. The Board has the dis- cretion to award a greater or lower amount. The Company or the individual may terminate an employment contract with cause, by providing generally four weeks written notice or making payment in lieu of notice, based on the individual’s annual salary component. The STI is not awarded and all unvested LTI will lapse. Vested and unexercised LTI can be exercised within a period of 30 days from termination. The policy of the Company is that service contracts are generally unlimited in term. KMP KMP Mike Veverka David Todd Xavier Bergade Brad Board Duration of service agreement Fixed remuneration at end of FY20201 Notice period2 Ongoing Ongoing Ongoing Ongoing $800,000 12 months $350,000 $350,000 $350,000 6 months 6 months 6 months 1 fixed remuneration includes a superannuation component, currently 9.5% 2 any termination payment (notice and severance) will be subject to compliance with all rele- vant legislation and will not exceed 12 months Base fees Chair Other nonexecutive directors Additional fees Sub-committee chair Sub-committee member FY2021 FY2020 $188,000 $100,000 $15,000 $10,000 $188,000 $100,000 $15,000 $10,000 A minimum shareholding requirement (MSR) applies to non-executive direc- tors comprising holding fully paid ordinary shares in the Company to the value of 100% of TRO within five years of of falling under the remuneration framework or appointment. 8. Options and rights granted as remuneration Terms and conditions of the share-based payment arrangements Options Options are issued to key management personnel as part of their remuner- ation at the discretion of the Board. The options are not necessarily issued based upon performance criteria, but are issued to selected executives of the Company and its subsidiaries to increase goal congruence between executives, directors and shareholders. Options will vest in key management personnel when the share price equals the exercise price, as measured by the five trading day moving volume weighted average price, and on condition that they are currently employed by the Jumbo Interactive Limited Group at the time of vesting. If the key management person leaves before their options vest, then the options will lapse immediately. In the event of retirement or retrenchment, the options will lapse one month after the event and if deceased, the options will lapse three months after the event. There is no change to the base salaries including superannuation for the financial year ending 30 June 2021. There were no options granted to key management personnel as compensa- tion during the reporting period. Non-Executive Directors Non-executive directors receive a board fee and fees for chairing or par- ticipating on board committees per the table below. They do not receive performance-based pay or retirement allowances. The fees are inclusive of superannuation. Fees are reviewed annually by the Nomination and Remuneration Committee taking into account comparable roles and market data provided by the Committee’s independent remuneration advisor. The fees for FY2020 were based on the benchmarking from the independent remuneration consult- ant data referred to in section 3 of this report. The current base fees were reviewed with effect from 1 July 2020. Performance rights are granted by the Company for nil consideration. Each right is a right to receive one fully paid ordinary share in Jumbo Interactive Limited at no cost if the vesting conditions are satisfied. Rights granted carry no dividend or voting rights. Short term incentives (STIs) 50% of any STI for KMP will be awarded in rights to ordinary shares with the number of rights based on the 10-day VWAP period up to 30 June each year. The rights will vest and convert into shares after a 12-month time based qualifying period provided the executive remains employed by the Group at the vest- ing date, unless otherwise determined by the Board. The sale of these shares is restricted for a further 12 months, resulting in a total two-year lock-up period. Executives will have full entitlement to dividends and voting rights during the 12-month lock-up period. The rights awarded to the CEO under the STI for FY2020 are subject to shareholder approval at the upcoming Jumbo AGM. Grant date 30 June 2020 Long term incentives (LTIs) Vesting date 30 June 2021 Grant date value $9.95 KMP receive an annual grant of rights to a dollar value equal to 25% of their Total Remuneration Opportunity with the number of rights based on the 10-day VWAP period up to 30 June of each year. The rights are exercisable into shares 3 years after grant and achievement of the price performance hurdle and pro- vided the executive remains employed by the Group at the vesting date, unless otherwise determined by the Board. The rights awarded to the CEO under the LTI for FY2020 are subject to shareholder approval at the upcoming Jumbo AGM. Grant date 1 July 2019 1 July 2020 Vesting date 1 July 2022 1 July 2024 Grant date value $19.80 $10.61 Details of the terms and conditions of rights granted to key management personnel as compensation during the reporting period are as follows: Options and Rights FY2020 Directors Mike Veverka LTI rights FY2020 STI rights FY2020 Other key management personnel David Todd LTI rights FY2020 STI rights FY2020 Xavier Bergade LTI rights FY2020 STI rights FY2020 Brad Board LTI rights FY2020 STI rights FY2020 No. options/ rights granted No. options/ rights vested Fair value per option/right at grant date Exercise price Amount paid or payable Expiry date Date exercisable - 20,202 10,050 30,252 8,838 4,397 8,838 4,397 8,838 4,397 39,705 - $11.809 $9.95 $11.809 $9.95 $11.809 $9.95 $11.809 $9.95 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 1 July 2023 1 July 2022 30 June 2021 30 June 2021 1 July 2023 1 July 2022 30 June 2021 30 June 2021 1 July 2023 1 July 2022 30 June 2021 30 June 2021 1 July 2023 1 July 2022 30 June 2021 30 June 2021 54 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 55 The weighted average fair value of rights granted during the 2020 financial year was $11.19. Shareholdings 9. Equity instruments issued on exercise of remuneration options Details of equity instruments issued during the period to key management personnel as a result of options exercised that had previously been granted as compensation are as follows: 2020 Other key management personnel David Todd Xavier Bergade Brad Board Number of shares issued on exercise of options Number of options exercised Amount paid per share Amount unpaid per share 25,000 150,000 25,000 200,000 25,000 150,000 25,000 200,000 $3.50 $3.50 $3.50 - - - 10. Value of options and rights to key management personnel Details of the value of options granted and exercised during the year to key management personnel as part of their remuneration are summarised below: Details of ordinary shares in Jumbo Interactive Limited held directly, indirectly or beneficially by key management personnel and their related parties are as follows: FY2020 Directors David Barwick Bill Lyne Sharon Christensen Giovanni Rizzo Mike Veverka Other key management personnel David Todd Xavier Bergade Brad Board Balance at 1 July 2019 Granted as remuneration during the year Issued on exercise of options during the year Other changes during the year1 Balance at 30 June 2020 - - - - 9,656,848 50,000 150,000 10,000 9,866,848 - - - - - - - - - - - - - - 25,000 150,000 25,000 200,000 3,000 2,000 2,050 2,000 3,000 2,000 2,050 2,000 (141,119) 9,515,729 (25,000) (150,000) (25,000) (332,069) 50,000 150,000 10,000 9,734,779 Name Other key management and personnel David Todd Xavier Bergade Brad Board Value of options at grant date1 $ Value of options exercised at exercise date2 $ 1 these were mainly on-market sale of the shares that were issued on exercise of options during the year 3,829 - 3,829 404,250 2,706,000 404,250 11. Other transactions and balances Other related party transactions 2 The value of options exercised has been determined as the intrinsic value of the options at exercise date i.e. the market price of shares of the Company as at close of trading on the date the options were exercised after deducting the price paid to exercise the options. Key management personnel include close family members and entities over which the key management person or their close family members have direct or indirect control, joint control or significant influence. Details of options and rights over ordinary shares of Jumbo Interactive Limited, held indirectly or beneficially by key management personnel are as follows: Options FY2020 Mike Veverka Balance at 1 July 2019 - David Todd 25,000 Xavier Bergade 750,000 Brad Board 25,000 800,000 Rights to deferred shares Granted as remuneration during the year - - - - - Exercised during the year - (25,000) (150,000) (25,000) (200,000) Other changes during the year Balance at 30 June 2020 Vested at 30 June 2020 Total vested and exercisable at 30 June 2020 Total vested and unexer- cisable at 30 June 2020 - - - - - - - - - - - 600,000 600,000 600,000 - - - 600,000 600,000 600,000 - - - - - FY2020 Mike Veverka David Todd Xavier Bergade Brad Board Balance at 1 July 2019 Granted as remuneration during the year Exercised during the year Other changes during the year Balance at 30 June 2020 Vested at 30 June 2020 Total vested and exercisable at 30 June 2020 Total vested and unexer- cisable at 30 June 2020 - - - - - 30,252 13,235 13,235 13,235 69,957 - - - - - - - - - - 30,252 13,235 13,235 13,235 69,957 - - - - - - - - - - - - - - - Transactions between related parties are on normal commercial terms and conditions no more favourable than those available to other parties unless otherwise stated. i. Mr Mike Rosch, the father of Mr Mike Veverka, the CEO and executive director of the Company. rented an office from the Group. office rent received amounts owing to Group at year end ii. Mrs Julie Rosch, the mother of Mr Mike Veverka, the CEO and Executive Director of the Company, is engaged as a full time employee within the Group. Salary and superannuation Consolidated Group 2020 $ 2019 $ 8,580 787 7,865 715 86,505 84,315 56 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 57 Tel: +61 7 3237 5999 Fax: +61 7 3221 9227 www.bdo.com.au Level 10, 12 Creek St Brisbane QLD 4000 GPO Box 457 Brisbane QLD 4001 Australia FINANCIAL REPORT For the year ended 30 June 2020 DECLARATION OF INDEPENDENCE BY K L COLYER TO THE DIRECTORS OF JUMBO INTERACTIVE LIMITED As lead auditor of Jumbo Interactive Limited for the year ended 30 June 2020, I declare that, to the best of my knowledge and belief, there have been: 1. No contraventions of the auditor independence requirements of the Corporations Act 2001 in relation to the audit; and 2. No contraventions of any applicable code of professional conduct in relation to the audit. This declaration is in respect of Jumbo Interactive Limited and the entities it controlled during the period. K L Colyer Director BDO Audit Pty Ltd Brisbane, 26 August 2020 BDO Audit Pty Ltd ABN 33 134 022 870 is a member of a national association of independent entities which are all members of BDO Australia Ltd ABN 77 050 110 275, an Australian company limited by guarantee. BDO Audit Pty Ltd and BDO Australia Ltd are members of BDO International Ltd, a UK company limited by guarantee, and form part of the international BDO network of independent member firms. Liability limited by a scheme approved under Professional Standards Legislation. Financial Statements Page Consolidated statement of profit or loss and other comprehensive income 58 59 Consolidated statement of financial position 60 Consolidated statement of changes in equity 62 Consolidated statement of cash flows Notes to the financial statements About this report Key events and transactions for the reporting period Results for the year Note 1: Segment information Note 2: Revenue and other income Note 3: Expenses Note 4: Income tax Note 5: Earnings per share Operating assets and liabilities Note 6: Cash and cash equivalents Note 7: Trade and other receivables Note 8: Property, plant and equipment Note 9: Intangible assets Note 10: Right-of-use assets Note 11: Trade and other payables Note 12: Employee benefits obligations Note 13: Lease liabilities Capital and financial risk management Note 14: Capital risk management Note 15: Dividends Note 16: Equity and reserves Note 17: Borrowings Note 18: Financial risk management Group structure Note 19: Business combinations Note 20: Controlled subsidiaries Note 21: Parent disclosures Other information Note 22: Investments accounted for using the Equity Method Note 23: Available-for-sale financial assets (non-current) Note 24: Related party transactions Note 25: Key Management Personnel compensation Note 26: Share-based payments Note 27: Remuneration of auditors Note 28: Summary of other significant accounting policies Unrecognised items Note 29: Contingencies Note 30: Commitments Note 31: Events after the reporting date Signed reports Directors’ declaration Independent auditor’s report ASX information Shareholder information Company Information 63 63 65 66 67 67 69 71 71 71 72 74 75 75 75 78 78 78 79 80 84 85 85 88 88 88 88 89 91 91 94 94 94 95 96 100 102 58 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 59 Jumbo Interactive Limited and its Controlled Subsidiaries Consolidated Statement Of Profit Or Loss And Other Comprehensive Income Jumbo Interactive Limited and its Controlled Subsidiaries Consolidated Statement Of Financial Position For the year ended 30 June 2020 Revenue from operations Cost of sales Gross profit Other revenue/income Distribution expenses Marketing costs Occupancy expenses Administrative expenses Fair value movement on financial liabilities Finance costs Profit/(loss) before income tax expense Income tax expense Note 2 3 2 3 19 2020 $’000 71,168 (5,326) 65,842 1,318 (31) (5,578) (104) 2019 $’000 65,212 (5,068) 60,144 1,936 (28) (6,956) (742) (23,624) (16,128) (176) (222) - (7) 37,425 38,219 As at 30 June 2020 CURRENT ASSETS Cash and cash equivalents Trade and other receivables Inventories Other current assets TOTAL CURRENT ASSETS NON-CURRENT ASSETS Property, plant and equipment Intangible assets Right-of-use assets Deferred tax assets 4 (11,542) (11,799) Other non-current assets Profit/(loss) after income tax expense for the year attributable to the owners of Jumbo Interactive Limited 25,883 26,420 TOTAL NON-CURRENT ASSETS Other comprehensive income Items that may be reclassified subsequently to profit or loss Foreign currency translation Other comprehensive income for the year, net of tax (676) (676) (6) (6) Total comprehensive income for the year attributable to the owners of Jumbo Interactive Limited 25,207 26,414 Earnings Per Share (cents per share) Basic earnings per share (cents per share) Diluted earnings per share (cents per share) 5 5 ¢ 41.5 41.1 ¢ 43.9 42.5 The above Consolidated Statement of Profit or Loss and Other Comprehensive Income should be read in conjunction with the accompanying notes. TOTAL ASSETS CURRENT LIABILITIES Trade and other payables Lease liabilities Current tax liabilities Contingent consideration at fair value Employee benefit obligations TOTAL CURRENT LIABILITIES NON-CURRENT LIABILITIES Lease liabilities Employee benefit obligations Make good provision Contingent consideration at fair value Deferred tax liabilities TOTAL NON-CURRENT LIABILITIES TOTAL LIABILITIES NET ASSETS EQUITY Contributed equity Accumulated losses Profits Appropriation Reserve Reserves TOTAL EQUITY Note 2020 $’000 2019 $’000 6 7 19 8 9 10 4 19 11 13 4 19 12 13 12 19 4 72,259 1,961 31 1,757 76,008 84,583 922 31 - 85,536 485 451 24,824 14,683 5,185 1,265 1,761 - 992 - 33,520 16,126 109,528 101,662 19,060 22,070 990 1,235 1,757 532 - 1,258 - 338 23,574 23,666 4,395 668 47 1,581 344 7,035 30,609 78,919 - 517 24 - 77 618 24,284 77,378 16 80,089 79,302 (17,399) (17,399) 16.027 15,103 202 372 78,919 77,378 The above Consolidated Statement of Financial Position should be read in conjunction with the accompanying notes.     60 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 61 Jumbo Interactive Limited and its Controlled Subsidiaries Consolidated Statement Of Changes In Equity For the year ended 30 June 2020 Consolidated group Balance at 1 July 2018 Total comprehensive income for the year Profit/(loss) for the year Other comprehensive income, net of tax Total comprehensive income for the year Transactions with owners in their capacity as owners Issue of shares Dividends paid Share-based payments Total transactions with owners in their capacity as owners Balance at 30 June 2019 Total comprehensive income for the year Profit/(loss) for the year Other comprehensive income, net of tax Total comprehensive income for the year Transactions with owners in their capacity as owners Issue of shares Dividends paid Share-based payments Total transactions with owners in their capacity as owners Balance at 30 June 2020 Contributed equity $’000 Accumulated losses $’000 Profits appropriation reserve $’000 55,917 (17,399) - - - 23,385 - - 23,385 79,302 - - - 787 - - 787 80,089 - - - - - - - (17,399) - - - - - - - (17,399) 9,364 26,420 - 26,420 - (20,681) - (20,681) 15,103 25,883 - 25,883 - (24,959) - (24,959) 16,027 The above Consolidated Statement of Changes in Equity should be read in conjunction with the accompanying notes Share-based payments reserve $’000 1,704 - - - - - 1,049 1,049 2,753 - - - - - 506 506 3,259 Foreign currency translation reserve $’000 Financial assets at fair value through other comprehensive income reserve $’000 (73) - (6) (6) - - - - (79) - (676) (676) - - - - (755) (2,302) - - - - - - - (2,302) - - - - - - - (2,302) Total equity $’000 47,211 26,420 (6) 26,414 23,385 (20,681) 1,049 3,753 77,378 25,883 (676) 25,207 787 (24,959) 506 (23,666) 78,919 62 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 63 Jumbo Interactive Limited and its Controlled Subsidiaries. Consolidated Statement Of Cash Flows For the year ended 30 June 2020 CASH FLOWS FROM OPERATING ACTIVITIES Receipts from customers Payments to suppliers and employees Interest received Interest and other costs of finance paid Interest on lease liabilities Income tax received Income tax paid Net cash inflows/(outflows) from operating activities CASH FLOWS FROM INVESTING ACTIVITIES Payments for property, plant and equipment Payments for intangibles Payment for purchase of business net of cash acquired Payment of deposit for contingent consideration Proceeds from sale of property, plant and equipment Net cash inflows/(outflows) from investing activities CASH FLOWS FROM FINANCING ACTIVITIES Proceeds from issue of shares Payment of lease liabilities Dividends paid Net cash inflows/(outflows) from financing activities Net increase/(decrease) in cash and cash equivalents Net foreign exchange differences Cash and cash equivalents at beginning of year Cash and cash equivalents at end of year The above Consolidated Statement of Cash Flows should be read in conjunction with the accompanying notes. Note 2020 $’000 2019 $’000 76,690 71,556 (37,632) (22,800) 976 (17) (205) 22 1,463 (7) - 85 (11,592) (11,161) 6(b) 28,242 39,136 (243) (6,454) (4,996) (3,792) - (353) (4,824) - - 3 (15,485) (5,174) 787 (903) (24,959) (25,075) (12,318) (6) 84,583 72,259 23,385 - (20,681) 2,704 36,666 (2) 47,919 84,583 16 15 6(a) Jumbo Interactive Limited and its Subsidiaries Notes To The Consolidated Financial Statements Significant and other accounting policies that summarise the measurement basis used and are relevant to an understanding of the financial statements are provided throughout the notes of the financial statements. For the year ended 30 June 2020 About this report Jumbo Interactive Limited is a company limited by shares, incorporated and domiciled in Australia, whose shares are publicly traded on the Australian Securities Exchange (ASX: JIN), and is a for-profit entity for the purposes of preparing the financial statements. The consolidated financial statements are for the consolidated entity consisting of Jumbo Interactive Limited (the Company) and its subsidiaries and together are referred to as the Group or Jumbo. The consolidated financial statements were approved for issue in accord- ance with a resolution by the Directors on 26 August 2020. The Directors have the power to amend and reissue the consolidated financial statements. The consolidated financial statements are general purpose financial state- ments which: • Have been prepared in accordance with the Corporations Act 2001, Australian Accountings Standards and Interpretations issued by the Australian Accounting Standards Board (AASB) and International Financial reporting Standards (IFRS) issued by the International Financial Standards Board • Have been prepared under the historical cost convention • Are presented in Australian dollars (A$), with all amounts in the financial report being rounded off in accordance with the requirements of ASIC Corporations (Rounding in Financial/Directors’ Reports) Instrument 2016/191 issued by the Australian Securities and Investments Commission to the nearest thousand dollars, unless otherwise indicated • Where necessary, comparative information has been restated to conform with changes in presentation, in the current year • Adopts all new and amended Accounting Standards and Interpretations issued by the AASB that are relevant to the operations of the Group effec- tive for reporting periods beginning on or after 1 July 2019 • Adopts AASB16 Leases in the year beginning 1 July 2019 The notes to the financial statements The notes include financial information which is required to understand the consolidated financial statements and is material and relevant to the operations, financial position and performance of the Group. Information is considered material and relevant if, for example: Significant judgements and estimates In the process of applying the Group’s accounting policies, man- agement has made a number of judgements and applied estimates of future events. Judgements and estimates which are material to the consolidated financial statements include: Estimated useful life of website development costs Goodwill and other intangible assets Lease liabilities Contingent consideration at fair value Note Page 9 9 13 19 74 73 75 84 In addition, in preparing the financial statements, the notes to the financial statements were ordered such that the most relevant information was presented earlier in the notes and that the disclo- sures that management deemed to be immaterial were excluded from the notes to the financial statements. The determination of the relevance and materiality of disclosures involved significant judgement. Key events and transactions for reporting period The financial position and performance of the Group was particularly affected by the following events and transactions during the reporting period: 1. Higher levels of customer activity and mixed large jackpot activity (see Directors’ Report for details); 2. Acquisition of Gatherwell Limited UK for cash 29 November 2019 (see note 19: Business combinations for details); 3. Payment of dividends (see Directors’ Report and note 15: Dividends for details); and 4. The effect of adpoting AASB 16 Leases effective 1 July 2019 (see note 10: Right-of-use assets and note 13: Lease liabilities for details). • The amount in question is significant because of its size or nature • • It is important for understanding the results of the Group It helps explain the impact of significant changes in the Group’s business – for example, acquisitions and impairment write downs It relates to an aspect of the Group’s operations that is important to its future performance • 64 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 65 RESULTS FOR THE YEAR In this section Results for the year provides segment information and a breakdown of indi- vidual line items in the consolidated statement of profit or loss and other comprehensive income that the Directors consider most relevant, including a summary of the accounting policies, relevant to understanding these line items. Note 1: Segment information Note 2: Revenue and other income Note 3: Expenses Note 4: Income tax Note 5: Earnings per share Page 65 Page 66 Page 67 Page 67 Page 69 Note 1: Segment information Jumbo determines and presents operating segments on a product and a geographic basis as this is how the results are reported internally to the Chief Executive Officer (CEO) (chief operating decision maker) and how the business is managed. The CEO assesses the performance of the Group based on the net profit before tax (NPBT). Comparatives for 2019 are stated on this basis. (a) Description of segments The following summary describes the operations in each of the Group’s reportable segments: Internet Lotteries Australia Retail of Australian lottery tickets sold in Australia and eligible international jurisdictions, and internet database management/marketing. Revenue of $260,000 from the burgeoning Software-as-a-Service in Australia has been included. Other Business activities which are not reportable in terms of AASB 8, which are currently the online sale of an internally developed proprietary payroll software system. Software-as-a-Service UK An external lottery manager (ELM) providing a turnkey digital solution to lotteries. Corporate Corporate costs include costs in respect of the Directors, CEO, CFO, corporate advertising, promotion and marketing, corporate investment and finance, tax, audit, risk, governance, and strategic projects. (b) Segment information The segment information provided to the CEO is as follows: 2020 External revenue Internal revenue Total revenue Cost of Sales Gross Profit Other revenue/income from external customers Distribution expenses Marketing costs Occupancy expenses Administrative expenses Fair value movement on financial liabilities Finance costs NPBT Income tax expense NPAT (per P&L) Interest revenue Depreciation and amortisation Fair value movement on financial liabilities Foreign exchange gain Internet Lotteries Australia $’000 Other $’000 SaaS UK $'000 Corporate $’000 Total operations $’000 68,746 - 68,746 (5,130) 63,616 904 (31) (5,461) (104) 902 - 902 (7) 895 - - (68) - 1,520 - 1,520 (189) 1,331 43 - (42) - - - - - - 371 - (7) - 71,168 - 71,168 (5,326) 65,842 1,318 (31) (5,578) (104) (18,095) (377) (1,174) (3,978) (23,624) - (215) 40,614 - - 450 - (7) 151 (176) - (3,790) 573 - - (5,606) (113) (267) - 323 - - - - 402 - (176) (31) (176) (222) 37,425 (11,542) 25,883 976 (5,986) (176) 291 66 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 67 2019 External revenue Internal revenue Total revenue Cost of Sales Gross Profit Other revenue/income from external customers Distribution expenses Marketing costs Occupancy expenses Administrative expenses Finance costs NPBT Income tax expense NPAT (per P&L) Interest revenue Depreciation and amortisation Foreign exchange gain Internet Lotteries Australia $’000 Other $’000 SaaS UK $'000 Corporate $’000 64,283 - 64,283 (5,060) 59,223 1,409 (28) (6,867) (711) 929 - 929 (8) 921 - - (80) (31) (12,616) (316) (7) 40,403 936 (3,342) 398 - 494 - (91) - - - - - - - - - - - - - - - - - - - - - 527 - (9) - (3,196) - (2,678) 527 - - Total operations $’000 65,212 - 65,212 (5,068) 60,144 1,936 (28) (6,956) (742) (16,128) (7) 38,219 (11,799) 26,420 1,463 (3,433) 398 Sale of Goods and/or Rendering of Services Revenue from sale of goods and/or rendering of services is recognised when control of the goods or services is transferred to the buyer in an amount that reflects the consideration to which the entity expects to be enti- tled in exchange for these goods and/or services. Control is the ability of the customer to direct the use of, and obtain substantially all of the remaining benefits from, an asset. Indicators that control has passed includes that the customer has (i) a present obligation to pay, (ii) physical possession of the asset(s), (iii) legal title, (iv) risk and rewards of ownership, and (v) accepted the asset(s). Interest Revenue is recognised as interest accrues using the effective interest method. The effective interest method uses the effective interest rate which is the rate that exactly discounts the estimated future cash receipts over the expected life of the financial asset. Dividends Dividends are recognised as revenue when the Group’s right to receive payment is established. Dividends received in the entity’s separate financial statements that are paid out of pre-acquisition profits of a subsidiary, asso- ciate or joint venture are recognised as revenue when the entity’s right to receive payment is established. Government grants The export market development grant from the government is recognised at its fair value when there is reasonable assurance that the grant will be received and the Group will comply with any attached conditions. (c) Other segment information Note 2: Revenue and other income Note 3: Expenses Presentation - Cost of sales - rendering of services The Group changed its presentation relating to the recognition of Cost of sales-rendering of services for the financial year ending 30 June 2020 under AASB 101: Presentation of Financial Statements which applies to accounting periods beginning on or after 1 January 2020 but before 1 January 2021. Service Fees and Merchant Fees were previously presented on an indirect cost basis in Administration expenses and are now disclosed in Cost of sales-rendering of services. This change has been implemented as management is of the opinion that, after judgement and consideration of all the relevant facts and circumstances, that these costs are directly related to the rendering of services. The aggregate effect of the change in presentation on the annual financial statements for the year ended 30 June 2020 is as follows: Consolidated Statement of Comprehensive Income 2020 Cost of sales - sale of goods Cost of sales - rendering of services Total cost of sales Gross profit Administration expenses Previous presenta- tion $’000 806 1,051 1,857 Revised presenta- tion $’000 806 4,520 5,326 Adjustment $’000 - 3,469 3,469 69,311 (3,469) 65,842 - Other admin expenses 55 (55) - Bank merchant fees and charges 3,480 (3,414) - 66 Total administrative expenses (27,093) 3,469 (23,624) 2019 Cost of sales - sale of goods Costof sales - rendering of services Total cost of sales Gross profit Administration expenses 870 1,209 2,079 - 2,989 2,989 870 4,198 5,068 63,133 (2,989) 60,144 Profit from continuing operations before income tax includes the following specific expenses: Consolidated 2020 $’000 2019 $’000 Cost of sales – Sale of goods – Rendering of services Administration expenses Depreciation of non-current assets Amortisation of non-current assets – Leasehold improvements – Intangibles – Right-of-use assets Other administration expenses 806 4,520 870 4,198 - Other admin expenses 62 (62) - Bank merchant fees and charges 2,987 (2,927) - 60 Total administrative expenses (19,117) 2,989 (16,128) – Plant and equipment 160 139 This changed presentation has no effect on profit, the Consolidated Statement of Financial Position, or Consolidated Statement of Changes in Equity. 59 4,664 1,103 40 3,254 - Note 4: Income tax Current tax – Employee benefit expense 10,250 7,842 – Defined contribution superannuation expense – Bank merchant fees and charges 1,238 66 889 60 – Other administration expenses 6,084 3,904 Current Income tax liability Consolidated Note 2020 $’000 2019 $’000 1,235 1,258 Occupancy expenses – Operating lease rentals minimum lease payments Fair value movement on financial liabilities 104 176 742 - Geographical information The entity is domiciled in Australia. Segment revenues are allocated based on the country in which the customer is located. Total revenue from external customers Australia (domicile) United Kingdom Fiji Other Consolidated Group 2020 $’000 2019 $’000 65,790 60,989 1,563 1,467 3,666 - 1,628 4,531 72,486 67,148 The Company reports revenue from the sale of lottery tickets and related services on a net revenue inflow basis where it considers that it acts more as an Agent than as a Principal such as with the sale of lottery tickets. The gross amount received for the sale of goods and rendering of services is advised as Total Transaction Value (“TTV”) for information purposes. Consolidated Group 2020 $’000 2019 $’000 Sales revenue – Revenue from sale of goods (i) 2,183 2,324 – Revenue from rendering of services (i) 68,985 62,888 Non-current assets in Australia are $25,295,000 (2019: $15,123,000). Non- current assets in other countries are (i) UK $8,000 (2019: nil) and (ii) Fiji $6,000 (2019: $11,000). The geographical non-current assets above are exclusive of, where appli- cable, financial instruments, deferred tax assets, post-employment benefits assets, and rights under insurance contracts. Other revenue/income – Interest – Other income – Foreign exchange gains – Export market development grants No single external customer derives more than 10% of total revenues. – Other 71,168 65,212 976 1,463 291 - 51 398 67 8 1,318 1,936 72,486 67,148 (i) the Consolidated Entity derives revenue from the transfer of goods and services at a point-in-time. Recognition and measurement Revenue is recognised at the fair value of consideration received or receiva- ble. Amounts disclosed as revenue are net of returns, trade allowances and duties and taxes paid. The following specific recognition criteria must also be met before revenue is recognised: 68 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 69 Note 5: Earnings per share (EPS) (a) Basic earnings per share Basic EPS is calculated by dividing the profit attributable to owners of the Company by the weighted average number of ordinary shares outstanding. (b) Diluted earnings per share Diluted EPS is calculated by dividing the profit attributable to owners of the Company by the weighted average number of ordinary shares outstanding after adjusted for the effects of dilutive potential ordinary shares. (c) Profit after tax attributable to owners of the Company used as numerator Consolidated 2020 $’000 2019 $’000 Profit attributable to the owners of the Company 25,883 26,420 (d) Weighted average number of shares used as denominator Weighted average number of ordinary shares used as the denominator in calculating basic EPS Adjustments for calculation of diluted EPS: — options Weighted average number of ordinary shares used as the denominator in calculating diluted EPS Consolidated 2020 Number 2019 Number 62,312,828 60,231,699 631,472 1,981,119 62,944,300 62,212,818 All outstanding options were included in the number of weighted average number of ordinary shares used to calculate diluted earnings per share because they are currently in-the-money. (a) Income tax expense The components of tax expense comprise: – Current tax – Deferred tax – Overprovision tax prior years – Current tax overseas operations – Tax at the Australian tax rate 30% (2019: 30%) – Income tax effect of overseas tax rates – Share options expensed during year – Other Total income tax expense in profit or loss attributable to continuing operations Consolidated Deferred tax assets Note 2020 $’000 2019 $’000 Deferred tax assets comprise tem- porary difference recognised in the profit and loss as follows: 11,397 11,732 Property, plant and equipment 4(b) (6) (4) 155 59 - 8 – Depreciation – Amortisation Accruals Provisions Other Balance at 30 June 2019 Property, plant and equipment 11,227 11,466 – Depreciation 33 152 130 30 314 (11) – Amortisation Accruals Provisions Other 11,542 11,799 Balance as at 30 June 2020 Opening balance $’000 Charged to Profit or Loss $’000 Closing Balance $’000 115 166 311 444 10 1,046 110 14 340 502 26 992 (5) (152) 29 58 16 (54) 60 (14) (160) 260 127 273 110 14 340 502 26 992 170 - 180 762 153 1,265 Total income tax expense/(benefit) in profit and loss 11,542 11,799 Reconciliation Profit before income tax expense 37,425 38,219 (b) Deferred tax Deferred tax liabilities Deferred tax liabilities comprise temporary difference recognised in the profit and loss as follows: Property, plant and equipment – Depreciation Accruals Other Balance at 30 June 2019 Property, plant and equipment – Depreciation Accruals Other Balance as at 30 June 2020 Opening balance $’000 Charged to Profit or Loss $’000 Closing Balance $’000 - 72 - 72 - 77 - 77 - 5 - 5 282 (15) - 267 - 77 - 77 282 62 - 344 Recognition and measurement Current taxes The income tax expense for the period is the tax payable on the current period’s taxable income based on the national income tax rate for each juris- diction adjusted by changes in deferred tax assets and liabilities attributable to temporary differences between the tax base of assets and liabilities and their carrying amounts in the consolidated financial statements. Deferred taxes Deferred tax assets and liabilities are recognised for all temporary dif- ferences, between carrying amounts of assets and liabilities for financial reporting purposes and their respective tax bases, at the tax rates expected to apply when the assets are recovered or liabilities settled, based on those tax rates which are enacted or substantively enacted for each jurisdiction. Exceptions are made for certain temporary differences arising on initial rec- ognition of an asset or a liability if they arose in a transaction, other than a business combination, that at the time of the transaction did not affect either accounting profit or taxable profit. Deferred tax assets are only recognised for deductible temporary differ- ences if it is probable that future taxable amounts will be available to utilise those temporary differences and losses. Deferred tax assets and liabilities are not recognised for temporary dif- ferences between the carrying amount and tax bases of investments in subsidiaries and associates where the parent entity is able to control the timing of the reversal of the temporary differences and it is probable that the differences will not reverse in the foreseeable future. Current and deferred tax balances relating to amounts recognised directly in other comprehensive income are also recognised directly in other compre- hensive income. Tax consolidation Jumbo Interactive Limited and its wholly owned Australian controlled sub- sidiaries are part of a tax consolidated group under Australian taxation law since 1 July 2006. Jumbo Interactive Limited is the head entity in the tax consolidated group. Entities within the tax consolidation group have entered into a tax funding agreement ‘(TFA’) and tax sharing deed (‘TSD’) with the head entity. Under the terms of the TFA, Jumbo Interactive Limited and each of the entities in the tax consolidation group have agreed to pay (or receive) a tax equivalent payment to (or from) the head entity, based on the current tax liability or current tax asset of the entity. 70 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 OPERATING ASSETS AND LIABILITIES In this section Operating assets and liabilities provides information about the working cap- ital of the Group and major balance sheet items, including the accounting policies, judgements and estimates relevant to understanding these items. Note 6: Cash and cash equivalents Note 7: Trade and other receivables Note 8: Property, plant and equipment Note 9: Intangible assets Note 10: Right-of-use assets Note 11: Trade and other payables Note 12: Employee benefit obligations Note 13: Lease liabilities Page 71 Page 71 Page 71 Page 72 Page 74 Page 75 Page 75 Page 75 71 2019 $’000 190 - 190 232 500 922 Note 6: Cash and cash equivalents Note 7: Trade and other receivables Consolidated Consolidated Note 2020 $’000 2019 $’000 Current (a) Cash and cash equivalents Total cash and cash equivalents 72,259 84,583 Included in the above balance: General account balances 61,278 73,799 Online lottery customer account balances 11 10,981 10,784 Trade receivables Allowance for doubtful debts Other receivables Prepayments 72,259 84,583 2020 $’000 311 - 311 160 1,490 1,961 Online lottery customer account balances are deposits and prize winnings earmarked for payment to customers on demand. All receivables that are neither past due nor impaired are with long standing clients who have a good credit history with the Group. At the review period end 30 June 2020, $632,000 was held in trust for the payment of prizes and charity distributions relating to the Gatherwell busi- ness, and neither the cash nor the corresponding liability is recognised in the Statement of Financial Position. Recognition and measurement Cash and cash equivalents includes cash on hand, and deposits held ‘at call’ and with original maturities of three months or less, with financial institutions. Consolidated 2020 $’000 2019 $’000 Recognition and measurement Trade receivables are recognised at original invoice amounts less an allow- ance for uncollectible amounts, and generally have repayment terms ranging from seven to 31 days. The Group applies the simplified approach to providing for expected credit losses prescribed by AASB 9, which requires the use of the lifetime expected loss provision for all trade receivables. Refer note 18(b): Financial risk management for details. Trade receivables had not had a significant increase in credit risk since they were originated. (b) Reconciliation of Cash Flow from Operations with Profit after Income Tax Profit/(loss) for the year after income tax 25,883 26,420 Note 8: Property, plant and equipment Plant and equipment–at cost Accumulated depreciation Leasehold improvements–at cost Accumulated amortisation Total property, plant and equipment Consolidated 2020 $’000 2019 $’000 1,887 1,741 (1,598) (1,430) 289 777 311 661 (581) (521) 196 485 140 451 Non-cash flows Amortisation Depreciation Fair value movement on contingent consideration Share option expense Net foreign exchange effects - (gain)/loss Other Changes in operating assets and liabilities, net of the effects of purchase and disposal of subsidiaries Decrease/(increase) in trade receivables Decrease/(increase) in other receivables Decrease/(increase) in inventories Decrease/(increase) in DTA Increase/(decrease) in trade payables Increase/(decrease) in other payables Increase/(decrease) in other provisions Increase/(decrease) in DTL Increase/(decrease) in provision for income tax 5,826 3,294 160 176 506 (33) - (14) (918) - (273) 139 - 1,049 (6) 2 (138) (275) 26 54 (5,919) 6,026 1,713 1,698 891 267 (23) 178 5 664 Cash flow from operations 28,242 39,136 72 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 73 Movements in Carrying Amounts Plant and equipment $’000 Leasehold Improvements $’000 Total $’000 (iv) Derecognition An item of property, plant or equipment is derecognised when it is disposed of or no future economic benefits are expected from its use or disposal. Gains and losses on disposal are calculated as the difference between the net disposal proceeds and the asset’s carrying value, and are included in profit or loss in the year that the item is derecognised. Note 9: Intangible assets Consolidated Group 2019 Balance at the beginning of year Additions Disposals Depreciation/amortisation expense Carrying amount at the end of year 2020 Balance at the beginning of year Additions Additions through acquisition Disposals Depreciation/amortisation expense Carrying amount at the end of year 219 234 (3) (139) 311 311 125 16 (3) (160) 289 Recognition and measurement (i) Initial recognition and measurement Property, plant and equipment Property, plant and equipment is stated at historical cost, including costs directly attributable to bringing the asset to the location and condition necessary for it to be capable of operating in the manner intended by man- agement, less depreciation and any impairments. (ii) Subsequent costs Improvements to leasehold property are recognised as a separate asset. All repairs and maintenance are charged to the profit or loss during the reporting period in which they occur. (iii) Depreciation and amortisation Property, plant and equipment are depreciated or amortised from the date of acquisition, or, in respect of internally generated assets, from the time an asset is held ready for use. Plant and equipment are depreciated using the straight-line method to allo- cate their costs, net of their residual values, over their estimated useful lives. Leasehold improvements are amortised over the shorter of either the unex- pired term of the lease or the estimated useful life of the improvements. The depreciation and amortisation rates used during the year were based on the following range of useful lives: Plant and equipment Leasehold improvements Two to five years Up to six years The depreciation and amortisation rates are reviewed annually and adjusted if appropriate. An asset’s carrying amount is written down to its recoverable amount if the asset’s carrying value is greater than its estimated recoverable amount. 61 119 - 280 353 (3) (40) (179) 140 451 Goodwill 140 115 - - 451 240 16 (3) (59) (219) Accumulated impairment losses Net carrying value Intellectual property Accumulated impairments loss Net carrying value Website development costs Accumulated amortisation Net carrying value 196 485 Customer contracts and relationships costs Accumulated amortisation Net carrying value Software costs Accumulated amortisation Net carrying value Domain names – cost Accumulated impairment losses Net carrying value Other Accumulated amortisation Net carrying value Total intangibles Consolidated 2020 $’000 9,957 (855) 9,102 53 (23) 30 2019 $’000 3,687 (855) 2,832 53 (23) 30 38,795 32,364 (25,783) (21,390) 13,012 10,974 1,258 (147) 1,111 936 (227) 709 904 (62) 842 86 (68) 18 - - - 133 (133) - 904 (62) 842 63 (58) 5 24,824 14,683 Significant judgements and estimates Impairment assessment of goodwill and domain names A key judgement by management with regards to the Internet Lotteries Australia segment CGU is that the reseller agreements with the Tatts Group will continue. The key assumptions used for value-in- use calculations are discussed further in note 9(b). Goodwill is tested for impairment half yearly. Impairments assessment of other intangible assets The Group considers half yearly whether there have been any indica- tors of impairment and then tests whether non-current assets have incurred any impairment in accordance with the accounting policy. Estimated useful life of website development costs Management estimates the useful of intangible assets-website development costs based on the expected period of time over which economic benefits from the use of the asset will be derived. Management reviews useful life assumptions on an annual basis having given consideration to variables including historical and fore- cast usage rates, technological advancements and changes in legal and economic conditions. The amortisation period relating to the website developments costs is five years from 1 July 2015 and three years prior to that. Domain names Domain names have an indefinite useful life because: • There is no time limit on the expected usage of the domain names; • Licence renewal is automatic on payment of the renewal fee without satisfaction of further renewal conditions; • The cost is not significant when compared with future economic benefits expected to flow from renewal. As such, the useful life can include the renewal period; and • Since there is no limit on the number of times the licence can be renewed this leads to the assessment of “indefinite” useful life. This assessment has been based on: • Technical, technological, commercial and other types of obsolescence; • The stability of the industry in which the asset operates and changes in the market demand for the products and/or services output from the asset; • The level of maintenance expenditure required to obtain the expected future economic benefits from the asset and the entity’s ability and intention to reach such a level; and • The period of control over the asset and legal or similar limits on the use of the asset. (a) Movements in carrying values Consolidated Group 2019 Goodwill $’000 Intellectual property $’000 Website development costs $’000 Customer con- tracts and relationships $'000 Software $’000 Balance at the beginning of the year 2,832 30 Additions internally developed Amortisation charge Effects of movements in foreign exchange - - - - - - Closing value at 30 June 2019 2,832 30 9,396 4,839 (3,246) (15) 10,974 2020 Balance at the beginning of the year Additions through acquisitions Additions internally developed Amortisation charge Effects of movements in foreign exchange Closing value at 30 June 2020 2,832 6,761 - - (490) 9,102 30 10,974 - - - - - 6,431 (4,391) (2) 30 13,012 - - - - - - - - - - - - - 1,356 - 865 - (161) (102) (84) 1,111 (54) 709 Domain names $’000 842 - - - 842 842 - - - - 842 Other $’000 Total $’000 13 - (8) - 5 5 - 23 13,110 4,839 (3,254) (15) 14,683 14,683 8,982 6,454 (10) (4,664) - 18 (631) 24,824 (b) Impairment testing of Cash-Generating Units containing goodwill or intangible assets with indefinite useful lives Goodwill and domain names have been allocated to the Australian Internet Lottery cash-generating unit which is an operating segment. The recoverable amount of the cash-generating units is based on a val- ue-in-use calculation using a discounted cash flow model based on a one year projection approved by management and extrapolated over a five year period using a steady rate, together with a terminal value. The growth rate used in these projections does not exceed the historical growth rate of the relative cash-generating unit. Key assumptions used for value-in-use calculation of the CGU are as follows: 0% was used instead of 14% and 3% respectively, the recoverable amount of goodwill, domain names and other intangible assets would still exceed the carrying amount. Should the lottery reseller agreements be cancelled or not be extended for further periods when they expire, an impairment loss would be recognised up to the maximum carrying value of $21,611,000. SaaS UK CGU is estimated to be $9,231,000 which exceeds the carrying amount of goodwill, customer contracts and relationships, and software by $1,141,000. If a discount rate of 15% and a growth rate of 7% was used instead of 14% and 10% respectively, an impairment loss of $367,000 would be recognised. Should all customer contracts cease, an impairment loss would be recognised up to the maximum carrying value of $8,090,000. • Annual growth rate of 3% except SaaS UK (Gatherwell) of 10% given its Recognition and measurement recent growth rate and early growth stage (2019: 3%); • Terminal growth rate of 3% (2019: 3%); • Discount rate of 14% being the calculated weighted average cost of capi- tal based on the capital asset pricing model (2019: 14%); and • Reseller agreements will be renewed as and when they expire. Management determined projections based on past performance and its expectations for the future. The growth rate used is consistent with those used in industry reports. The discount rate used is pre-tax and is specific to the relevant segment in which the unit operates. Goodwill Goodwill represents the excess of the cost of the business combination over the Group’s share of the net fair value of the identifiable assets, liabilities and contingent liabilities acquired. Goodwill is not amortised but is measured at cost less any accumulated impairment losses. Goodwill is tested for impair- ment annually, or more frequently if events or changes in circumstances indicate that the carrying value may be impaired. Gains and losses on the disposal of an entity include the carrying amount of goodwill relating to the entity sold. Internet Lotteries Australia CGU is estimated to be $310,000,000 which exceeds the carrying amount of goodwill, domain names and other intan- gible assets by $288,389,000. If a discount rate of 15% and growth rate of Goodwill acquired is allocated to each of the cash-generating units expected to benefit from the combination’s synergies. Impairment is deter- mined by assessing the recoverable amount of the cash-generating unit 74 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 75 to which the goodwill relates. Impairment losses on goodwill cannot be reversed. Note 10: Right-of-use assets Note 11: Trade and other payables Recognition and measurement Intellectual Property Acquired intellectual property is stated at cost, and is measured at cost less any accumulated impairment losses. Intellectual property is considered to have an indefinite useful life and is not amortised. The carrying value of intellectual property is tested for impairment annually, or more frequently if events or changes in circumstances indicate that the carrying value may be impaired. Impairment losses are recognised in profit or loss. Any reversal of impairment losses of intellectual property is recognised in profit or loss. Website Developments Costs Expenditure during the research phase of a project is recognised as an expense when incurred. Development costs are capitalised only when tech- nical and financial feasibility studies identify that we have the resources to complete the development and the project will deliver future economic bene- fits and these benefits can be measured reliably. Development costs have a finite life and are amortised on a straight-line basis matched to the future economic benefits over the useful life of the pro- ject of three years up to 30 June 2015 and five years from 1 July 2015. Customer contracts and relationships Customer contracts and relationships acquired in a business combination are amortised on a straight-line basis over the period of their expected ben- efit, being their finite life of 5 years. Software Software acquired in a business combination is amortised on a straight-line basis over the period of their expected benefit, being their finite life of 5 years. Domain Names Acquired domain names are stated at cost and are considered to have indef- inite useful lives and are not amortised. The useful life is assessed annually to determine whether events or circumstances continue to support an indef- inite useful life assessment. The carrying value of domain names is tested semi-annually at each reporting date for impairment. Impairment of assets Assets are tested for impairment at the end of each reporting period or whenever events or changes in circumstances indicate that the carrying amount may not be recovered. An impairment loss is recognised for the amount by which the asset’s carry- ing amount exceeds its recoverable amount. For the purposes of assessing impairment, assets are grouped at the lowest levels for which there are separately identifiable cash flows which are largely independent of the cash flows from other assets or groups of assets (CGUs). The recoverable amount is the greater of the asset’s fair value less costs to sell and value-in-use. In assessing value-in-use, the estimated cash flows are discounted to their present value using a pre-tax discount rate that reflects market assessments of the time value of money and the specific risks of the asset. Impairment losses are recognised in the profit or loss. Non-financial assets other than goodwill that incur impairment are reviewed for possible reversal of impairment at each reporting period. Land and buildings - right-of-use Less: Accumulated amortisation Plant and equipment - right-of-use Less: Accumulated amortisation Consolidated 2020 $’000 6,077 (1,038) 5,039 164 (18) 146 5,185 2019 $’000 - - - - - - - The consolidated entity has adopted AASB16 Leases from 1 July 2019 - see note 13: Lease liabilities for details. $6,058,000 right-of-use assets were recognised on adoption of AASB 16 Leases, with additions of $183,000 during the year. Other than an amortisa- tion expense of $1,103,000, there were no other movements. The consolidated entity leases land and buildings for its offices under agree- ments of between two to seven years with, in some cases, options to extend which have been included in the lease liability where the options is expected to be exercised. The leases have various escalation clauses. On renewal, the terms of the leases are renegotiated. The consolidated entity also leases plant and equipment under agreements of four years. The consolidated entity leases land and buildings and office equipment under agreements of less than one year. These leases are either short-term or low-value, so have been expensed as incurred and not capitalised as right-of-use assets. For impairment testing, the right-of-use assets have been allocated to the internet lotteries cash-generating unit. Refer to note 9 for further information on the impairment testing key assumptions and sensitivity analysis. Recognition and measurement A right-of-use asset is recognised at the commencement date of a lease. The right-of-use asset is measured at cost, which comprises the initial amount of the lease liability, adjusted for, as applicable, any lease payments made at or before the commencement date net of any lease incentives received, any initial direct costs incurred, and, except where included in the cost of inventories, an estimate of costs expected to be incurred for disman- tling and removing the underlying asset, and restoring the site or asset. Right-of-use assets are depreciated on a straight-line basis over the unex- pired period of the lease or the estimated useful life of the asset, whichever is the shorter. Where the consolidated entity expects to obtain ownership of the leased asset at the end of the lease term, the depreciation is over its estimated useful life. Right-of use assets are subject to impairment or adjusted for any remeasurement of lease liabilities. The consolidated entity has elected not to recognise a right-of-use asset and corresponding lease liability for short-term leases with terms of 12 months or less and leases of low-value assets. Lease payments on these assets are expensed to profit or loss as incurred. Total trade and other payables 19,060 22,070 Consolidated Note 2020 $’000 2019 $’000 Included in the above: Trade creditors GST payable Sundry creditors and accrued expenses Employee benefits 1,341 1,020 4,373 1,345 7,260 742 2,462 822 8,079 11,286 (i) Long service leave Liabilities for long service leave are not expected to be settled wholly within 12 months after the end of the reporting period. They are recognised as part of the provision for employee benefits and measured as the present value of expected future payments to be made in respect of services provided by employees to the end of the reporting period. Consideration is given to expected future salaries and wages levels, experience of employee depar- tures and periods of service. Expected future payments are discounted using corporate bond rates at the end of the reporting period with terms to maturity and currency that match, as closely as possible, the estimated future cash outflows. Customer funds payable 6(a) 10,981 10,784 Note 13: Lease liabilities 19,060 22,070 CURRENT Lease liabilities NON-CURRENT Lease liabilities Consolidated 2020 $’000 2019 $’000 990 4,395 5,385 - - - Recognition and measurement The consolidated entity has adopted AASB 16 Leases from 1 July 2019. The standard replaces AASB 117 ‘Leases’ and for lessees eliminates the classifi- cations of operating leases and finance leases. Except for short-term leases and leases of low-value assets, right-of-use assets and corresponding lease liabilities are recognised in the statement of financial position. Straight-line operating lease expense recognition is replaced with a depreciation charge for the right-of-use assets (included in operating costs) and an interest expense on the recognised lease liabilities (included in finance costs). In the earlier periods of the lease, the expenses associated with the lease under AASB 16 will be higher when compared to lease expenses under AASB 117. However, EBITDA (Earnings Before Interest, Tax, Depreciation and Amortisation) results improve as the operating expense is now replaced by interest expense and depreciation in profit or loss. For classification within the statement of cash flows, the interest portion is disclosed in operating activities and the principal portion of the lease payments are separately dis- closed in financing activities. For lessor accounting, the standard does not substantially change how a lessor accounts for leases. Recognition and measurement Trade and other payables represent liabilities for goods and services provided to the Group prior to the year end and which are unpaid. These amounts are unsecured and have seven to 31 day payment terms. (i) Employee benefits Liabilities for wages and salaries, including non-monetary benefits, annual leave and accumulating sick leave expected to be settled within 12 months of the end of the reporting period are recognised in other liabilities in respect of employees’ services rendered up to the end of the reporting period and are measured at amounts expected to be paid when the liabilities are settled. Liabilities for non-accumulating sick leave are recognised when leave is taken and measured at the actual rates paid or payable. (ii) Superannuation Employees have defined contribution superannuation funds. Contributionsa are recognised as expenses as they become payable. Prepaid contributions are recognised as an asset to the extent that a cash refund or a reduction in future payments is available. (iii) Termination benefits Termination benefits are payable when employment is terminated before the retirement date, or when an employee accepts voluntary redundancy in exchange for these benefits. The Group recognises termination benefits as an expense and a liability on the earlier of when the Group: • Can no longer withdraw the offer and the benefits; and • Recognises costs for restructuring under AASB 137 Provisions, Contingent Liabilities and Contingent Assets and which involves the pay- ment of termination benefits. Benefits falling due more than 12 months after the end of the reporting period are discounted to present value. Note 12: Employee benefit obligations CURRENT Long service leave NON-CURRENT Long service leave Consolidated 2020 $’000 2019 $’000 532 338 668 1,200 517 855 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 77 CAPITAL AND FINANCIAL RISK MANAGEMENT In this section Capital and financial risk management provides information about the cap- ital management practices of the Group and shareholder returns for the year, discusses the Group’s exposure to various financial risks, explains how these affect the Group’s financial position and performance and what the Group does to manage these risks. Note 14: Capital risk management Note 15: Dividends Note 16: Equity and reserves Note 17: Borrowings Note 18: Financial risk management Page 78 Page 78 Page 78 Page 79 Page 80 76 Impact of adoption AASB 16 Leases was adopted using the modified retrospective approach and as such the comparatives have not been restated. The following is a reconciliation of total operating lease commitments at 30 June 2019 (as disclosed in the financial statements to 30 June 2019) to the lease liabilities recognised at 1 July 2019: Operating lease commitments as at 1 July 2019 (AASB 117) Adjustment to operating lease commitments as at 1 July 2019 Discount using incremental borrowing rate Short term leases not recognised as a lease liability (AASB 16) Total lease liabilities recognised as at 1 July 2019 (AASB 16) The impact of adoption on opening retained profits as at 1 July 2019 as as follows: Right-of-use assets (AASB 16) Lease liabilities - current (AASB16) Lease liabilities - non-current (AASB 16) Adjustment in opening retained profits as at 1 July 2019 $’000 6,032 737 (666) (45) 6,058 6,058 (897) (5,161) - Significant judgements and estimates A key judgement by management is the incremental borrowing rate of 3.50% p.a. being applied as the discount rate in the initial recognition of the lease values. A lease liability is recognised at the commencement date of a lease. The lease liability is initially recognised at the present value of the lease pay- ments to be made over the term of the lease, discounted using the interest rate implicit in the lease or, if that rate cannot be readily determined, the con- solidated entity’s incremental borrowing rate. Lease payments comprise of fixed payments less any lease incentives receivable, variable lease payments that depend on an index or a rate, amounts expected to be paid under resid- ual value guarantees, exercise price of a purchase option when the exercise of the option is reasonably certain to occur, and any anticipated termination penalties. The variable lease payments that do not depend on an index or a rate are expensed in the period in which they are incurred. Lease liabilities are measured at amortised cost using the effective interest method. The carrying amounts are remeasured if there is a change in the following: future lease payments arising from a change in an index or a rate used; residual guarantee; lease term; certainty of a purchase option and termination penalties. When a lease liability is remeasured, an adjustment is made to the corresponding right-of use asset, or to profit or loss if the carry- ing amount of the right-of-use asset is fully written down. 78 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 79 Note 14: Capital risk management (b) Dividends not recognised at the end of the reporting period Movements in ordinary share capital (b) Ordinary shares Total borrowings Consolidated 2020 $’000 2019 $’000 - - Note 17 Less: cash and cash equivalents 6(a) (72,259) (84,583) - - Consolidated 2020 $’000 2019 $’000 Since year end, the Directors have recommended the payment of a final 2020 fully franked ordi- nary dividend of 17.0 (2019: 21.5) cents per share franked at the rate of 30% (2019: 30%). The aggre- Details Consolidated Shares $’000 Opening balance 1 July 2018 54,374,265 55,917 Shares issued during the year 2 Jul 2018-Exercise of options 50,000 200 3 Jul 2018-Exercise of options 3,474,492 8,234 Net debt Total equity Total capital Gearing ratio 16 80,089 79,302 gate amount of the proposed dividend expected 80,089 79,302 to be paid on 30 September 2020 (2019: 22 0% 0% September 2019), but not recognised as a liability at year end, is: 10,616 13,357 The Group’s objective is to maintain a strong capital base so as to aintain investor, creditor and market confidence and sustain future development of the business. (c) Franked dividends The Group monitors its capital structure by reference to its gearing ratio. his ratio is calculated as total net debt divided by total capital. Net debt is calculated by as total borrowings less cash and cash equivalents (up to a minimum of zero). Total capital is net debt plus total equity. There were no changes in the Group’s approach to capital management during the year. Note 15: Dividends (a) Ordinary shares The franked portions of dividends paid and recom- mended after 30 June 2020 will be franked out of existing franking credits or out of franking credits aris- ing from the payment of income tax in the year ending 30 June 2020. Franking credits available for subsequent financial Consolidated 2020 $’000 2019 $’000 Final fully franked ordinary dividend of 21.5 (2019: 11.0) cents per share franked at the tax rate of Consolidated 2020 $’000 2019 $’000 years based on a tax rate of 30% (2019: 30%): 12,372 11,509 The above amounts represent the balance of the franking account as at he reporting date adjusted for: (i) Franking credits that will arise from the payment of the amount of the pro- 30% (2019: 30%) 13,410 6,438 vision for income tax, and Interim fully franked ordinary dividend of 18.5 (2019: 15.0) cents per share franked at the tax rate of 30% (2019: 30%) 11,549 9,273 Special fully franked ordinary dividend of nil (2019: 8.0) cents per share franked at the tax rate of 30% (2019: 30%) - 4,970 Total dividends paid or provided for 24,959 20,681 (ii) Franking debits that will arise from the payment of dividends recognised as a liability at the reporting date. The impact on the franking account of the dividends paid and recommended by the directors since the end of the reporting period, but not recognised as a liability at the reporting date, will be a reduction in the franking account of $4,550,000 (2019: $5,724,000). Dividends paid in cash or satisfied by the issue of shares under the dividend reinvestment plan during the years ended 30 June 2020 and 30 June 2019 were as follows: Paid in cash Satisfied by issue of shares Note 16: Equity and reserves (a) Contributed equity Issued shares 24,959 20,681 - - 24,959 20,681 Consolidated Consolidated 2020 Shares 2020 $'000 2019 Shares 2019 $’000 Ordinary shares – fully paid 62,423,757 80,089 62,123,757 79,302 5 Jul 2018-Exercise of options 9 July 2018-Exercise of options 13 Jul 2018-Exercise of options 16 Jul 2018-Exercise of options 18 Jul 2018-Exercise of options 20 Aug 2018-Exercise of options 22 Aug 2018-Exercise of options 24 Aug 2018-Exercise of options 28 Aug 2018-Exercise of options 29 Aug 2018-Exercise of options 13 Sep 2018-Exercise of options 17 Sep 2018-Exercise of options 18 Sep 2018-Exercise of options 19 Sep 2018-Exercise of options 20 Sep 2018-Exercise of options 24 Sep 2018-Exercise of options 24 Sep 2018-Exercise of options 26 Sep 2018-Exercise of options 10 Oct 2018-Exercise of options 7 Dec 2018-Exercise of options 11 Dec 2018-Exercise of options 11 Jan 2019-Exercise of options 21 Jan 2019-Exercise of options 15 Feb 2019-Exercise of options 20 Feb 2019-Exercise of options 27 Feb 2019-Exercise of options 1 Mar 2019-Exercise of options 4 Mar 2019-Exercise of options 5 Mar 2019-Exercise of options 6 Mar 2019-Exercise of options 30,000 15,000 20,000 25,000 25,000 115,000 50,000 170,000 25,000 150,000 125,000 250,000 150,000 25,000 225,000 150,000 100,000 100,000 150,000 150,000 150,000 150,000 150,000 125,000 100,000 100,000 200,000 50,000 100,000 250,000 120 60 80 100 100 460 200 630 87 600 437 788 525 87 788 525 350 350 525 525 525 525 525 438 350 350 700 175 350 875 8 Mar 2019-Exerciee of options 500,000 1,750 11 Apr 2019-Exercise of options 30 Apr 2019-Exercise of options Balance 30 June 2019 Balance 1 July 2019 Shares issued during the year 23 Aug 2019-Exercise of options 19 Nov 2019-Exercise of options 50,000 250,000 175 875 62,123,757 79,302 62,123,757 79,302 250,000 50,000 613 175 Balance 30 June 2020 62,423,757 80,089 Issued capital represents the amount of consideration received for securi- ties issued or paid for securities bought back by Jumbo. Costs directly attributable to the issue of new shares or options are deducted from the consideration received, net of income taxes. Ordinary shares have no par value and the company does not have a limited amount of authorised share capital. Ordinary shareholders are entitled to participate in dividends and the pro- ceeds on winding up of the Company in proportion to the number of and amounts paid on the shares held. Every ordinary shareholder present at a meeting in person or by proxy is entitled to one vote on a show of hands and upon a poll each share is entitled to one vote. (c) Options (i) Details of the employee option plan, including details of options issued, exercised and lapsed during the financial year and options outstand- ing at the end of the financial year are set out in note 26: Share-Based Payments. (ii) For information relating to share options issued to third parties during the financial year, refer to note 26: Share-Based Payments. (d) Reserves Nature and purpose of reserves Profits appropriation reserve The profits appropriation reserve records accumulated profits available for distribution at the Directors’ discretion. In June 2010, there was a change in the test for payment of dividends from a ‘profit test’ to ‘solvency test’ (s254T Corporations Act 2001), and the profits appropriation reserve was estab- lished to ensure the accumulated losses up until then were ‘ring-fenced’ and that future profits were available for distribution, in particular for dividend payments. Share-based payments reserve The share-based payments reserve records items recognised as expenses on the fair value of share-based remuneration provided to employees. This reserve can be reclassified as retained earnings if options lapse. Foreign currency translation reserve The foreign currency translation reserve records the foreign exchange differ- ences arising on translation of investments in foreign controlled subsidiaries. Amounts are reclassified to profit or loss when an entity is disposed of. Financial assets at fair value through other comprehensive income (FVOCI) reserve The financial assets at fair value reserve comprises changes in the fair value of FVOCI investments which are recognised in other comprehensive income including when investments are sold or reclassified. Note 17: Borrowings (a) Facilities with Banks Credit facility Bank guarantees Commercial card Facilities utilised Bank guarantees Commercial credit card Amount available Consolidated Note 2020 $’000 2019 $’000 800 300 550 300 29 (682) (295) 123 (478) (295) 77 The facilities are provided by Australia and New Zealand Banking Group Limited subject to general and specific terms and conditions being set and met periodically. There were no outstanding interest bearing liabilities for the financial year ended 30 June 2020 (2019: nil). 80 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 81 (b) Assets pledged as security The bank facilities are secured by a fixed and floating charge over all the assets of the Group. Sensitivity on market risks The following table summarises the gain/(loss) impact of a 200 basis points (bps) interest rate change on net profit and equity before tax, with all other variables remaining constant, as at 30 June 2020: (c) Defaults and breaches There have been no defaults or breaches during the financial year ended 30 June 2020. Note 18: Financial risk management The Group has exposure to a variety of financial risks including market risk (foreign exchange risk and interest rate risk), credit risk and liquidity risk. Risk management is performed by a central Treasury function on behalf of the Group under Treasury Policies approved by the Board annually. Speculative activities are strictly prohibited. Compliance with the Treasury Policies is monitored on an ongoing basis through regular reporting to the Board. Whilst there has been no noticable impact on financial performance from COVID-19, there is a risk that any future economic downturn could reduce disposable income and consequently may impact customer spending levels. (a) Market risk Market risk is the risk that adverse movements in foreign exchange and interest rates will affect the Group’s financial performance or the value of its holdings of financial instruments. The Group measures market risk using cash flow at risk. The objective of risk management is to manage the market risks inherent in the business to protect profitability and return on assets. (i) Foreign exchange risk Exposure to foreign exchange risk Foreign exchange risk arises from commercial transactions (transactional risks) and recognised assets and liabilities (translational risks) that are denominated in or related to a currency that is not in the Group’s functional currency. The Group’s foreign exchange risk relates largely to the Fiji Dollar (FJ$) and Great British Pound (GBP). Risk management Treasury monitor the Group’s exposure regularly and utilise the spot market to buy and sell specified amounts of foreign currency to manage this risk. Transactional risks are managed predominantly within the Group’s pricing policies through the regular review of prices in foreign currency. Sensitivity on foreign exchange risk Any movement in foreign exchange rates would not be significant to the Group. (ii) Interest rate risk Exposure to interest rate risk The Group’s has interest bearing assets and therefore its income and oper- ating cash flows are subject to changes in market interest rates. At the reporting date, the Group has exposure to the following interest rates: Consolidated Rate1 % 0.80 3.50 2020 $’000 Rate1 % 2019 $’000 72,259 1.64 84,583 5,385 - Deposits Lease liabilities 1 weighted average interest rate Risk management The Group manages cash flow interest rate risk by using term deposits with banks for various periods. The weighted average maturity of outstanding term deposits is approximately 23 days (2019: 31 days). Term deposits cur- rently in place cover approximately 79% (2019: 66%) of the total cash and cash equivalent balances. Consolidated Effect on profit (before tax) Effect on equity (before tax) 2020 2019 2020 2019 200 bps movement in inter- est rates 200 bps increase in inter- est rates 200 bps decrease in inter- est rates 1,445 1,692 1,445 1,692 (1,445) (1,692) (1,445) (1,692) (b) Credit Risk Credit risk is the risk of financial loss to the Group if a customer or counter- party to a financial instrument fails to meet its contractual obligations. Credit risk arises principally from cash and cash equivalents and trade and other receivables. The maximum exposure to credit risk, excluding the value of any collateral or other security, at the end of the reporting period to recognised financial assets, is the carrying amount, net of any provisions for impairment of those assets, as disclosed in the statement of financial position and notes to the financial statements. Assets are pledged as security as detailed in note 17(b). Credit risk is managed on a Group basis through the Board approved Treasury Policies and is reviewed regularly by the Board. The Board monitors credit risk by actively assessing the rating quality and liquidity of counter parties: • Surplus funds are only invested with banks and financial institutions with a Standard and Poor’s rating of no less than A and to a limited amount at any one financial institution: • All potential customers are rated for credit worthiness taking into account their size, market position and financial standing, and the risk is measured using debtor aging analysis; and • Customers that do not meet the Group’s strict credit policies may only purchase in cash or using recognised credit cards. (i) Trade receivables The Group applies the AASB 9 simplified model of recognising lifetime expected credit losses for all trade receivables as these items do not have a significant financing component. In measuring the expected credit losses, the trade receivables have been assessed on a collective basis as they possess shared credit risk charac- teristics. They have been grouped based on the days past due and also according to the geographical location of customers. The expected loss rates are based on the payment profile for sales over the past 60 months before 30 June 2020 and 30 June 2019 respectively as well as the corresponding historical credit losses during that period. The histori- cal rates are adjusted to reflect current and forecast expected losses. Trade receivables are written off (ie derecognised) when there is no reason- able expectation of recovery. Failure to make payments within 180 days from the invoice date and failure to engage with the Group on alternative pay- ment arrangement amongst other is considered indicators of no reasonable expectation of recovery. Trade receivables days past due 30 June 2020 $’000s Cur- rent 1-30 days 31-60 days 61-90 days > 90 days Total Expected credit loss rate 0.0% 0.0% 0.0% 0.0% 0.0% Gross carrying amount $ Lifetime expected credit loss $ 1 - 138 - 36 - 33 102 311 - - - Trade receivables days past due (d) Fair value hierarchy 30 June 2019 $’000s Cur- rent 1-30 days 31-60 days 61-90 days > 90 days Total Expected credit loss rate 0.0% 0.0% 0.0% 0.0% 0.0% Gross carrying amount $ Lifetime expected credit loss $ - - 153 - 1 - - - 36 190 - - (c) Liquidity risk Liquidity risk is the risk that the Group will encounter difficulties in meeting the obligations associated with its financial liabilities. The Group manages liquidity risk by monitoring forecast cash flows and ensuring that adequate cash balances are maintained to meet its liabilities when due. The following table summarises the contractual timing of undiscounted cash flows of financial instruments: The fair value of cash, cash equivalents and non-interest bearing financial assets and liabilities approximates their carrying value due to their short term maturity. The fair value of financial instruments that are not traded in an active market (for example, unlisted investments) are determined using valuation tech- niques. The valuation techniques maximise the use of observable market data where possible and rely as little as possible on entity specific estimates. The following tables detail the consolidated entity's assets and liabilities, measured or disclosed at fair value, using a three level hierarchy, based on the lowest level of input that is significant to the entire fair value measure- ment, being: • Level 1: Quoted prices (unadjusted) in active markets for identical assets or liabilities that the entity can access at the measurement date • Level 2: Inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly • Level 3: Unobservable inputs for the asset or liability 2020 Financial assets Cash and cash equivalents Trade and other receivables Other assets Financial liabilities Trade and other payables Lease liabilities Contingent consideration 2019 Financial assets Cash and cash equivalents Trade and other receivables Financial liabilities Trade and other payables Less than 1 year $’000 Between 1 and 2 years $’000 Between 3 and 5 years $’000 Over 5 years $’000 72,259 1,961 1,757 75,977 - - 1,761 1,761 19,060 - - - - - - 1,181 1,149 3,136 1,757 21,998 1,581 2,730 - 3,136 - - - - - - - Total $’000 Consolidated - 2020 Assets Liabilities Contingent consideration 72,259 Total liabilities Level 1 $'000 Level 2 $'000 Level 3 $'000 Total $'000 - - - - - - - - 3,338 3,338 3,338 3,338 There were no assets and liabilities, measured or disclosed at fair value, using the three level hierarchy in FY2019. There were no transfers between levels during the financial year. The carrying amounts of trade and other receivables and trade and other payables are assumed to approximate their fair values due to their short- term nature. The fair value of the contingent consideration is estimated by discounting the probability-adjusted profit in Gatherwell Ltd at the company’s weighted average cost of capital. 1,961 3,518 77,738 19,060 5,466 3,338 27,864 Less than 1 year $’000 Between 1 and 2 years $’000 Between 3 and 5 years $’000 Over 5 years $’000 Total $’000 84,583 922 85,505 22,070 22,070 - - - - - - - - - - - - - - - 84,583 922 85,505 22,070 22,070 82 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 83 Level 3 assets and liabilities Movements in level 3 assets and liabilities during the current and previous financial year are set out below: Consolidated Balance at 1 July 2018 Balance at 30 June 2019 Additions Effects of movements in foreign exchange recognised in other compre- hensive income Fair value movement recognised in profit or loss Balance at 30 June 2020 Contingent consideration $'000 - - Total $'000 - - 3,410 3,410 (248) (248) 176 3,338 176 3,338 The level 3 assets and liabilities unobservable inputs and sensitivity are as follows: Description Unobservable inputs Range Sensitivity Contingent consideration Probability rate 90% 5% change would increase/decrease fair value by $88,000 Future profit $568,000 to $663,000 Less than $500,000 would decrease fair value by $1,581,000 Discount rate 16% 1.00% change would increase/decrease fair value by $14,000 GROUP STRUCTURE In this section Group structure provides information about particular subsidiaries and associates and how changes have affected the financial position and perfor- mance of the Group. Note 19: Business combinations Note 20: Controlled subsidiaries Note 21: Parent disclosures Page 84 Page 85 Page 85 84 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 85 Note 19: Business combinations On 29 November 2019, the Group acquired 100% of the issued share capital and voting rights of Gatherwell Limited (Gatherwell), a company based in the United Kingdom that operates as an External Lottery Manager. The primary objective of the acquisition is to provide the Group an entry point to licence its lottery software platform in the UK charities lottery market. Details of the business combination are as follows: Fair value of purchase consideration Note Cash paid on completion Contingent consideration Working capital settlement adjustment payable Total consideration 19(b) 19(a) $’000s 5,684 3,410 78 9,172 Fair value of identifiable assets and liabilities at acqusiition date: Note $’000s Cash Trade and oher receivables Property, plant and equipment Software Customer contracts and relationships Trade and other payables Net assets Goodwill on consolidation 19(d) Gatherwell acquisition at fair value Cash consideration paid Cash acquired on acquisition Cash outflow 688 108 11 865 1,356 (617) 2,411 6,761 9,172 5,684 (688) 4,996 Following the 30 June 2021 financial year end, any amount not paid out will be returned to Jumbo. At 30 June 2020 these funds, held in an Escrow account for the Gatherwell contingent consideration, are recognised in the Statement of Financial Position as: Other current assets Other non-curent assets Total $'000s 1,757 1,761 3,518 The fair value of the contingent consideration arrangement of $3,410,000 was estimated by calculating the present value of the future expected cash flows. The estimates are based on a discount rate of 16% and assumed probability-adjusted profit in Gatherwell of GBP300,000 (~$568,000) to GBP350,000 (~$663,000). The probability-adjusted profit in Gatherwell is recalculated at each reporting date with any gains/losses on the fair value of the contingent con- sideration recognised in profit or loss. At 30 June 2020 the fair value of the contingent consideration liability is rec- ognised on the Statement of Financial Position as: Current contingent consideration Non-current contingent consideration Total $'000s 1,757 1,581 3,338 (c) Identifiable net assets Developed software and customer contracts and relationships have been identified as separately identifiable assets. These assets have been valued by an independent valuer according to the cost approach/cost to create methodology for developed software and income approach/excess earnings methodology for customer contracts and relationships. Acquisition costs charged to expenses 19(a) 406 (d) Goodwill Significant judgements and estimates A key judgement by management is a 100% probabilty of the contin- gent consideration being paid following the 30 June 2020 financial year end and a 90% probability of the contingent consideration being paid following the 30 June 2021 financial year end. The goodwill that arose on the combination can be attributed to Gatherwell’s strong position, competitive advantage and strong growth prospects in the digital charities lottery market. No amount of goodwill is expected to be deductible for tax purposes. (e) Revenue and profit contribution Gatherwell contributed TTV of $7,612,000, revenue of $1,520,000 and net profit of $267,000 to the Group from the date of acquisition to 30 June 2020. If the acquisition had occurred on 1 July 2019, the Group’s pro- forma TTV, revenue and net profit after tax for the financial year ended 30 June 2020 would have been $12,570,000, $2,505,000, and $477,000 respectively. (a) Consideration transferred Acquisition-related costs amounted to $406,000 are not included as part of the consideration transferred and have been recognised as an expense in the consolidated statement of profit or loss and other comprehensive income, as part of administrative expenses. Recognition and measurement The acquisition method of accounting is used to account for business combinations regardless of whether equity instruments or other assets are acquired. The actual net working capital was in excess of the target working capital resulting in a working capital settlement adjustment $78,000 being payable to the vendors of Gatherwell. (b) Contingent consideration The contingent consideration arrangement requires the Group to pay the former owners of Gatherwell up to an additional undiscounted amount of GBP2,000,000 (~$3,518,000) in cash to the Gatherwell Vendors if certain Revenue and Profit targets are met, to be paid in up to two instalments fol- lowing the 30 June 2020 and 30 June 2021 financial year ends. The contingent consideration funds are held by an Escrow Agent in the UK in an interest-bearing bank account from which any instalments will be paid. The consideration transferred is the sum of the acquisition-date fair values of the assets transferred, equity instruments issued or liabilities incurred by the acquirer to former owners of the acquiree and the amount of any non-controlling interest in the acquiree. For each business combination, the non-controlling interest in the acquiree is measured at either fair value or at the proportionate share of the acquiree’s identifiable net assets. All acquisi- tion costs are expensed as incurred to profit or loss. On the acquisition of a business, the consolidated entity assesses the finan- cial assets acquired and liabilities assumed for appropriate classification and designation in accordance with the contractual terms, economic conditions, the consolidated entity’s operating or accounting policies and other perti- nent conditions in existence at the acquisition-date. Where the business combination is achieved in stages, the consolidated entity remeasures its previously held equity interest in the acquiree at the acquisition-date fair value and the difference between the fair value and the previous carrying amount is recognised in profit or loss. Contingent consideration to be transferred by the acquirer is recognised at the acquisition-date fair value. Subsequent changes in the fair value of the contingent consideration classified as an asset or liability is recognised in profit or loss. Contingent consideration classified as equity is not remeas- ured and its subsequent settlement is accounted for within equity. Group has control over an entity when the Group is exposed to, or has rights to, variable returns from its involvement with the entity, and has the ability to use its power to affect those returns. Subsidiaries are consolidated from the date on which control is transferred to the Group and are deconsolidated from the date on which control ceases. All intercompany balances and transactions, including unrealised profits aris- ing from intragroup transactions have been eliminated. Unrealised losses are also eliminated unless the transaction provides evidence of the impairment of the asset transferred. The difference between the acquisition-date fair value of assets acquired, liabilities assumed and any non-controlling interest in the acquiree and the fair value of the consideration transferred and the fair value of any pre-exist- ing investment in the acquiree is recognised as goodwill. If the consideration transferred and the pre-existing fair value is less than the fair value of the identifiable net assets acquired, being a bargain purchase to the acquirer, the difference is recognised as a gain directly in profit or loss by the acquirer on the acquisition-date, but only after a reassessment of the identification and measurement of the net assets acquired, the non-controlling interest in the acquiree, if any, the consideration transferred and the acquirer’s previ- ously held equity interest in the acquirer. Business combinations are initially accounted for on a provisional basis. The acquirer retrospectively adjusts the provisional amounts recognised and also recognises additional assets or liabilities during the measurement period, based on new information obtained about the facts and circumstances that existed at the acquisition-date. The measurement period ends on either the earlier of (i) 12 months from the date of the acquisition or (ii) when the acquirer receives all the information possible to determine fair value. Note 20: Controlled subsidiaries Changes in ownership interests When the Group ceases to have control, joint control or significant influ- ence, any retained interest in the entity is remeasured to its fair value with the change in carrying amount recognised in the profit or loss. This fair value becomes the initial carrying value for the purposes of subsequently accounting for the retained interest as an associate, joint venture or availa- ble-for-sale financial asset. In addition, any amount previously recognised in other comprehensive income in respect of that entity, are accounted for as if the Group had directly disposed of the relative assets or liabilities. This may mean that amounts previously recognised in other comprehensive income are reclassified to profit or loss. If the ownership interest in an associate or a joint venture is reduced, but significant influence or control is retained, only a proportionate share of the amounts previously recognised in other comprehensive income are reclassi- fied to profit or loss, where appropriate. Note 21: Parent disclosures The parent and ultimate parent entity within the Group is Jumbo Interactive Limited. The Group’s subsidiaries that were controlled during the year and prior years are set out below: (a) Summary financial information Percentage Ownership Country of Incorporation 2020 % 2019 % Direct subsidiaries of the ultimate parent entity Jumbo Interactive Limited: Benon Technologies Pty Ltd TMS Global Services Pty Ltd Intellitron Pty Ltd Jumbo Lotteries Pty Ltd Jumbo Interactive Asia Pty Ltd Australia Australia Australia Australia Australia Cook Islands Tattslotto Pty Ltd Cook Islands Jumbo Interactivo de Mexico SA de CV Gatherwell Limited Mexico UK Subsidiaries of TMS Global Services Pty Ltd: TMS Global Services (NSW) Pty Ltd TMS Global Services (VIC) Pty Ltd TMS Fiji Limited TMS Fiji On-Line Limited TMS Global Services (PNG) Limited Australia Australia Fiji Fiji Papua New Guinea Cook Islands Tattslotto Pty Ltd Cook Islands 100 100 100 100 100 1 100 100 100 100 100 100 100 99 100 100 100 100 100 1 100 - 100 100 100 100 100 99 Jumbo Lotteries North America, Inc. United States of America 100 100 Principles of consolidation The consolidated financial statements comprise the financial statements of Jumbo Interactive Limited and its subsidiaries at 30 June each year (‘the Group’). Subsidiaries are entities over which the Group has control. The The individual financial statements for the parent entity show the following aggregated amounts as follows: Current assets Non-current assets Total assets Current liabilities Non-current liabilities Total liabilities Net assets Issued capital 2020 $’000 2019 $’000 25,336 32,946 38,438 34,043 63,774 66,989 3,216 2,308 5,524 1,986 198 2,184 58,250 64,805 80,089 79,302 Retained earnings/(accumulated losses) (26,037) (26,037) Profits appropriation reserve Other reserves Total shareholders’ equity 3,245 11,090 953 450 58,250 64,805 Profit for the year 17,113 21,359 Total comprehensive income for the year 17,113 21,359 (b) Guarantees The parent entity has provided guarantees to third parties in relation to the obligations of controlled entities in respect to banking facilities. The guar- antees are for the terms of the facilities per note 17: Borrowings, and are ongoing. The parent entity has also provided a guarantee in favour of Tabcorp in respect of payment obligations of a subsidiary company in terms of the Agent reseller agreements, between its subsidiary and the favouree. 86 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 87 (c) Contractual commitments There were no contractual commitments for the acquisition of property, plant and equipment entered into by the parent entity at 30 June 2020 (2019: $Nil). (d) Contingent liabilities The parent entity has no contingent liabilities other than the guarantees referred to above. Recognition and measurement The financial information for the parent entity, Jumbo Interactive Limited, has been prepared on the same basis as the consolidated financial statements, except as set out below: (i) Investments in subsidiaries and associates Investments in subsidiaries and associates are accounted for at cost in the financial statements of Jumbo Interactive Limited. Dividends received from associates are recognised in the parent entity’s income statement, rather than being deducted from the carrying amount of these investments. (ii) Tax consolidation Jumbo Interactive Limited and its wholly owned subsidiaries have imple- mented the tax consolidation legislation for the whole of the financial year. Refer to note 4 for details. OTHER INFORMATION In this section Other information provides information on other items which require disclosure to comply with Australian Accounting Standards and other regulatory pronouncements however are not consider critical in understanding the financial performance or posi- tion of the Group. Note 22: Investments accounted for using the Equity Method Page 88 Note 23: Financial assets at fair value through other comprehensive income Page 88 Page 88 Note 24: Related party transactions Page 88 Note 25: Key Management Personnel compensation Page 88 Note 26: Share-based payments Page 89 Note 27: Remuneration of auditors Page 91 Note 28: Summary of other significant accounting policies 88 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 89 Note 22: Investments accounted for using the Equity Method Note 24: Related party transactions Parent entity Jumbo Interactive Limited is the parent entity. Interest in Associ- ate – Lotto Points Plus Inc., USA Unlisted shares Place of busi- ness/ Country of Incorpora- tion 2020 % 2019 % 2020 $’000 2019 $’000 Subsidiaries Interests in subsidiaries are set out in note 20. Lotto Points Plus Inc New York, USA 30.9 30.9 Net investment in associate company - - - - Lotto Plus Inc is an investment company, with its only investment being a 16.9% (2019: 16.9%) shareholding (non-voting) in Lottery Rewards Inc., USA (see note 23(b) for details). Recognition and measurement Associates are entities over which the Group has significant influence but not control or joint control. Associates are accounted for in the parent entity financial statements at cost and the consolidated financial state- ments using the equity method of accounting. Under the equity method of accounting, the Group’s share of post-acquisition profits or losses of asso- ciates is recognised in consolidated profit or loss and the Group’s share of post-acquisition other comprehensive income of associates is recognised in consolidated other comprehensive income. The cumulative post-acquisi- tion movements are adjusted against the carrying amount of the investment. Dividends received from associates are recognised in the parent entity’s profit or loss, while they reduce the carrying amount of the investment in the consolidated financial statements. When the Group’s share of post-acquisition losses in an associate exceeds its interest in the associate (including any long-term interests that form part of the Group’s net investment in the associates), the Group does not recog- nise further losses unless it has obligations to, or has made payments, on behalf of the associate. The financial statements of the associates are used to apply the equity method. The end of the reporting period of the associates and the parent are identical and both use consistent accounting policies. Note 23: Financial assets at fair value through other comprehensive income (FVOCI) Unlisted securities comprise investments in: (a) Sorteo Games Inc., USA. The Company owns 7% of the issued share capital of Sorteo Games Inc. Shares in Sorteo Games Inc are carried at fair value of $nil (2019: $nil). (b) Lottery Rewards Inc., USA. The Company owns 5.4% of the issued share capital of Lottery Rewards Inc – 0.2% directly and 5.2% indirectly (through Lotto Points Plus Inc – see note 20 for details). Shares in Lottery Rewards Inc are carried at fair value of $nil (2019: $nil). Significant judgement and estimates A key judgement by management is the uncertainty of future eco- nomic benefits of both Sorteo Games Inc and Lottery Rewards Inc Recognition and measurement Non-current assets are classified as held-for-sale if their carrying amount will be recovered principally through a sale transaction, rather than through continuing use. After initial recognition at cost, they are measured at fair value with gains and losses recognised in other comprehensive income (FVOCI reserve), until the investment is disposed of, at which time the cumulative gain or loss previously recognised in the FVOCI reserve may be transferred within equity. Key management personnel Disclosures relating to key management personnel are set out in note 25 and the remuneration report in the directors’ report. Transactions with related parties All transactions between related parties are on normal commercial terms and conditions at market rates and no more favourable than those available to other parties unless otherwise stated. The following transactions occurred with related parties: Consolidated 2020 $ 2019 $ Mr Mike Rosch, the father of Mr Mike Veverka, the CEO and executive director of the Company, rented an office from the Group - office rent received 8,580 7,865 Consolidated 2020 $ 2019 $ Mrs Julie Rosch, the mother of Mr Mike Veverka, the CEO and Executive Director of the Company, is engaged as a full time employee within the Group. - salary and superannuation 86,505 84,315 Receivables from related parties The following balances are outstanding at the reporting date in relation to transactions with related parties: Consolidated 2020 $ 2019 $ Trade receivables from Mr Mike Rosch (director-related party of Mike Veverka) 787 715 Note 25: Key Management Personnel compensation Consolidated 2020 $ 2019 $ Short term employee benefits 2,668,138 2,296,102 Post employment benefits Other long term benefits Termination benefits Share based payments 208,045 183,817 137,212 19,315 - - 487,856 934,883 3,501,251 3,434,117 Further information regarding the identity of key management personnel and their compensation can be found in the Audited Remuneration Report con- tained in the Directors’ Report. LTI rights are granted for no consideration, have a three year term, and are exercisable when the 90-day VWAP for the period up to 30 June 2022 is equal to or more than $24.98 less any dividends paid during the term Grant date Share price at grant date Exercise price Expected volatility Expected dividend yield Risk free rate 2020 1 July 2019 $19.98 $nil 52.125% 2.00% 0.98% Expected volatility was determined based on the historic volatility (based on the remaining life of the right), adjusted for any expected changes to future volatility based on publicly available information. Note 26: Share-based payments Share-based payment expenses recognised during the financial year Consolidated 2020 $ 2019 $ Options issued under employee option plan 90,745 1,048,690 Rights issued under employee incentives schemes 415,140 - 505,885 1,048,690 Employee option plan The Jumbo Interactive Limited Employee Option Plan was ratified at the annual general meeting held on 28 October 2008. Employees are invited to participate in the scheme from time to time. Options vest when the volume weighted average share price over five consecutive trading days equals the exercise price and provided the staff member is still employed by the Group. When issued on exercise of options, the shares carry full dividend and voting rights. Options granted carry no dividend or voting rights. Third party options Options have been issued to an Australian based contractor as part of the remuneration for their services to incentivise them to procure a commer- cially acceptable transaction in Australia. Options vest when the volume weighted average share price over five consecutive trading days equals the exercise price and provided an acceptable transaction has been brought to the Company with terms and conditions acceptable to the Company by 31 December 2017 failing which the options will lapse. This was subsequently extended to 30 June 2018, and finally to 30 June 2019 with 150,000 options being lapsed, unexercised, with no effect on the fair value. The remaining 50,000 options subsequently lapsed, unexercised, on 30 June 2019. Fair value of options granted Employees There were no options granted during the 2020 financial year. Third parties There were no options granted during the 2020 financial year. 3,474,492 options were granted to Tattersalls Online Pty Ltd (Tatts) on 13 July 2017 at an exercise price of $2.37 per share for 12 months to 13 July 2018 pursuant to approval by shareholders at an Extraordinary General Meeting held 12 July 2018, and formed part of the securities subscription agreement dated 12 May 2017 which provided for the issue of 6,609,686 fully paid ordinary shares in the Company at $2.37 per share. The issue price and exercise price of $2.37 per share was set at the closing price of the Company’s shares on 28 April 2017. The options were issued to Tatts for $10.00. Fair value of rights granted The fair value of STI rights approximates the grant date value of the 10-day VWAP period up to 30 June annually as their is no market vesting condition and due to their short term nature. The fair value of LTI rights at grant date was determined by an independent valuer using the Monte Carlo Simulation option pricing model that takes into account the share price at grant date, exercise price, expected volatility, option life, expected dividends, and the risk free rate. The inputs used for the Monte Carlo Simulation option pricing model for options granted during the year ended 30 June 2020 were as follows: 90 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 91 Total Weighted average exercise price KMP rights 1 July 2019 30 June 2020 - - Total 2019 Grant date KMP and staff options 3 Sep 2013 6 Nov 2013 Details of options and rights outstanding during the financial year are as follows: 2020 Grant date KMP and staff options Exercise Price Expiry date Balance at beginning of year Granted during the year Lapsed/ For- feited during the year Exercised during the year Expired during the year Balance at end of year Exercisa- ble at end of year 18 Nov 2015 $1.75 18 Nov 2020 250,000 26 Oct 2017 $3.50 15 Nov 2022 775,000 1,025,000 $3.01 - - - - 1 July 2023 30 June 2021 - - - 46,716 23,241 69,957 - - - - - - - (150,000) (150,000) (300,000) $2.62 - - - - - - - - - - 100,000 100,000 625,000 625,000 725,000 725,000 $3.26 $3.26 46,716 23,241 69,957 - - - Exercise Price Expiry date Balance at beginning of year Granted during the year Lapsed/ For- feited during the year Exercised during the year Expired during the year Balance at end of year Exercisa- ble at end of year $4.00 $4.00 3 Sep 2018 400,000 6 Nov 2018 150,000 18 Nov 2015 $1.75 18 Nov 2020 300,000 26 Oct 2017 $3.50 15 Nov 2022 4,450,000 Third party options 2 Feb 2017 13 Jul 2017 Total Weighted average exercise price $2.25 $2.37 2 Feb 2022 200,000 13 Jul 2018 3,474,492 8,974,492 $3.01 - - - - - - - - - - - - (400,000) (150,000) (50,000) (3,675,000) (200,000) - - (3,474,492) (200,000) (7,749,492) $2.25 $3.02 - - - - - - - - - - - - 250,000 250,000 775,000 775,000 - - - - 1,025,000 1,025,000 $3.01 $3.02 Options were exercised regularly throughout the year and the weighted average share price at date of exercise for the year ended 30 June 2020 was $19.77 (2019: $7.02). changed. In addition, at the date of the modification, a further expense is recognised for any increase in fair value of the transaction as a result of the change. The weighted average exercise price for the year ended 30 June 2020 was $3.23 (2019: $3.33). The weighted average remaining contractual life of share options outstand- ing at 30 June 2020 was 2 years 1 month (2019: 2 years 11 months). Where options are cancelled, they are treated as if vesting occurred on can- cellation and any unrecognised expenses are taken immediately to profit or loss. However, if new options are substituted for the cancelled options and designated as a replacement on grant date, the combined impact of the can- cellation and replacement options are treated as if they were a modification. Recognition and measurement The fair value of options granted to Directors, employees and consult- ants is recognised as an expense with a corresponding increase in equity (share based payments reserve). The fair value is measured at grant date and recognised over the period during which the employees or consultants become unconditionally entitled to the options. Fair value is determined by an independent valuer using the Black-Scholes, Bi-nomial, and Monte Carlo Simulation option pricing models as appropriate. In determining fair value, no account is taken of any performance conditions other than those related to the share price of Jumbo Interactive Limited (“market conditions”). The cumulative expense recognised between grant date and vesting date is adjusted to reflect the Directors’ best estimate of the number of options that will ultimately vest because of internal conditions of the options, such as the employees having to remain with the Group until vesting date, or such that employees are required to meet internal sales targets. No expense is rec- ognised for options that do not ultimately vest because internal conditions were not met. An expense is still recognised for options that do not ulti- mately vest because a market condition was not met. Where the terms of options are modified, the expense continues to be recognised from grant date to vesting date as if the terms had never been Note 27: Remuneration of auditor During the year the following fees were paid or payable for services pro- vided by the auditor of the parent entity and its related practices: Audit services Amounts paid/payable to BDO for audit or review of the financial statements for the entity or any entity in the Group Taxation services Amounts paid/payable to BDO for taxation services for the entity or any entity in the Group: Review of income tax return Transfer pricing consulting Other taxation advice Other services Amounts paid/payable to BDO for other services for the entity or any entity in the Group: Due diligence Whistleblower services Accounting advice Export grant services Consolidated 2020 $ 2019 $ 130,138 105,532 130,138 105,532 52,500 43,000 - - 9,300 6,000 61,800 49,000 84,423 6,500 - - -- 5,250 5,000 90,923 10,250 282,861 164,782 Note 28: Summary of other significant accounting policies Other significant accounting policies adopted in the preparation of these consolidated financial statements are set out in relevant sections of the notes below. These policies have been consistently applied to all the years presented, unless otherwise stated. Where necessary, comparative infor- mation has been restated to conform with changes in presentation in the current year. Standards. Where the consolidated entity has relied on the existing frame- work in determining its accounting policies for transactions, events or conditions that are not otherwise dealt with under the Australian Accounting Standards, the consolidated entity may need to review such policies under the revised framework. At this time, the application of the Conceptual Framework is not expected to have a material impact on the consolidated entity's financial statements. (b) Foreign currency transactions (i) Functional and presentation currency Items included in the financial statements of each of the Group’s entities are measured using the currency of the primary economic environment in which the entity operates (the functional currency). The consolidated financial statements are presented in Australian dollars, which is the Company’s func- tional and presentation currency. (ii) Transactions and balances Foreign currency transactions are translated into the functional currency using the exchange rates ruling at the dates of the transactions. Foreign exchange gains and losses resulting from the settlement of such trans- actions and from the translation at year end exchange rates of monetary assets and liabilities denominated in foreign currencies are recognised in profit or loss, except when attributable to part of the net investment in a for- eign operation. Foreign exchange gains and losses are presented in profit or loss on a net basis within other income or other expenses, unless they relate to borrow- ings, in which case they are presented as a part of finance costs. Non-monetary items measured at fair value in a foreign currency are trans- lated using the exchange rates at the date when fair value was measured. The functional currency of the overseas subsidiaries is measured using the currency of the primary economic environment in which that entity oper- ates. At the end of the reporting period, the assets and liabilities of these overseas subsidiaries are translated into the presentation currency of the Company at the closing rate at the end of the reporting period and income and expenses are translated at the average exchange rates for the year. All resulting exchange differences are recognised in other comprehensive income as a separate component of equity (foreign currency translation reserve). On disposal of a foreign entity, the cumulative exchange differ- ences recognised in foreign currency translation reserves relating to that particular foreign operation is recognised in profit or loss. Goodwill and fair value adjustments arising on the acquisition of a foreign entity are treated as assets and liabilities of the foreign entity and translated at the closing rate. (a) Basis of preparation (c) Financial instruments (i) New, revised or amended Accounting Standards and Interpretations adopted None of the new standards and amendments to standards that are manda- tory for the first time for the financial year beginning 1 July 2019 materially affect the amounts recognised in the current period or any other prior period and are not likely to affect future periods, with the exception of AASB 16 Leases. Refer to note 13: Lease liabilities for details on the impact of adopt- ing AASB 16. (ii) New accounting Standards and Interpretaions not yet mandatory or early adopted Australian Accounting Standards and Interpretations that have recently been issued or amended but are not yet mandatory, have not been early adopted by the consolidated entity for the annual reporting period ended 30 June 2020. The consolidated entity's assessment of the impact of these new or amended Accounting Standards and Interpretations, most relevant to the consolidated entity, are set out below. Conceptual Framework for Financial Reporting (Conceptual Framework) The revised Conceptual Framework is applicable to annual reporting peri- ods beginning on or after 1 January 2020 and early adoption is permitted. The Conceptual Framework contains new definition and recognition criteria as well as new guidance on measurement that affects several Accounting (i) Non-derivative financial assets The Group initially recognises financial assets on the trade date at which the Group becomes a party to the contractual provisions of the instrument. Financial assets are derecognised when the rights to receive cash flows from the financial assets have expired or have been transferred and the Group has transferred substantially all the risks and rewards of ownership. Financial assets are initially recognised at fair value. If the financial asset is not subsequently accounted for at fair value through profit or loss, then the initial measurement includes transaction costs that are directly attributable to the asset’s acquisition or origination. On initial recognition, the Group clas- sifies its financial assets as subsequently measured at either amortised cost or fair value, depending on its business model for managing the financial assets and the contractual cash flow characteristics of the financial assets. Refer to notes 22 and 23 for further details. (ii) Financial assets measured at amortisation cost A financial asset is subsequently measured at amortised cost, using effec- tive interest method and net of any impairment, if: • The asset is held within the business model whose objective is to hold assets in order to collect contractual cash flows 92 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 93 • The contractual terms of the financial asset give rise, on specified dates, to cash flows that are solely payments of principal and interest. The Group assesses at each reporting date whether there is objective evi- dence that a financial asset (or group of financial assets) is impaired. Refer to notes 6 and 7 for further details. (iii) Non-derivative liabilities The Group initially recognises loans on the date when they originated. Other financial liabilities are initially recognised on the trade date. The Group derecognises a financial liability when its contractual obligations are dis- charged or cancelled or expire. Non-derivative financial liabilities are initially recognised at fair value less any directly attributable transaction costs. Subsequent to initial recognition, these liabilities are measured at amortised cost using the effective interest rate method. Refer to note 11 for further detail (d) Goods and Services Tax (GST) Revenues, expenses and assets are recognised net of GST, unless the amount of GST incurred is not recoverable from the Australian Taxation Office (ATO), in which case the GST is recognised as part of the cost of acquisition of the asset or as part of the expense item. Receivables and payables are stated with the amount of GST receivable or payable included. The net amount of GST recoverable from, or payable to, the ATO is included as part of receivables or payables in the consolidated statement of financial position. Cash flows are included in the consolidated statement of cash flows on a gross basis and the GST component of cash flows arising from investing and financing activities, which is recoverable from, or payable to, the ATO, are classified as operating cash flows. Commitments and contingencies are disclosed net of the amount of GST recoverable from, or payable to, the ATO. UNRECOGNISED ITEMS In this section Unrecognised items provide information about items that are not recognised in the consolidated financial statements but could potentially have a signifi- cant impact on the Group’s financial position and performance. Note 29: Contingencies Note 30: Commitments Note 31: Events after the reporting date Page 94 Page 94 Page 94 94 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 95 DIRECTORS’ DECLARATION The Directors of the Company declare that: 1. The consolidated financial statements, comprising the Consolidated Statement of Profit or Loss and Other Comprehensive Income, Consolidated Statement of Financial Position, Consolidated Statement of Changes in Equity and Consolidated Statement of Cash Flows, and accompanying notes, are in accordance with the Corporations Act 2001 and: a. comply with Australian Accounting Standards and the Corporations Regulations 2001; and b. give a true and fair view of the consolidated entity’s financial position as at 30 June 2020 and of its performance for the year ended on that date. 2. The Company has included in the notes to the consolidated financial statements an explicit and unreserved statement of compliance with International Financial Reporting Standards. 3. In the Directors’ opinion, there are reasonable grounds to believe that the Company will be able to pay its debts as and when they become due and payable. 4. The remuneration disclosures included in pages 47 to 55 of the Directors’ report (as part of the audited Remuneration Report), for the year ended 30 June 2020, comply with section 300A of the Corporations Act 2001. 5. The Directors have been given the declarations by the Chief Executive Officer and Chief Financial Officer required by section 295A. This declaration is made in accordance with a resolution of the Directors. David K Barwick Chairman Brisbane, 26 August 2020 Note 29: Contingencies Contingencies relate to the outcome of future events and may result in an asset or liability, however due to current uncertainty do not qualify for recognition. Estimates of the potential financial effect of contingent liabilities that may become payable: Guarantees provided by the Group’s bankers Consolidated 2020 $’000 682 2019 $’000 478 The Group’s bankers have provided guarantees to third parties in relation to premises leased by Group companies. These guarantees have no expiry term and are payable on demand, and are secured by a fixed and floating charge over the Group’s assets. Note 30: Commitments Short-term lease commitments (2019: Operating lease commitments under AASB 117) Non-cancellable operating leases contracted for but not capitalised in the consolidated financial statements Payable Not later than one year Later than one year but not later than five years Later than five years Consolidated 2020 $’000 2019 $’000 48 1,096 - - 4,044 892 48 6,032 The Group leases various premises in Fiji under operating leases expiring in less than one year. Recognition and measurement pre 1 July 2019 Leased property Leases in which a significant portion of the risks and rewards of ownership are not transferred to the Group as lessee are classified as operating leases and payments (net of incentives received from the lessor) are charged to profit or loss on a straight-line basis over the period of the lease. Make good The Group is required under terms of certain leases to restore the leased premises at the end of the lease to its original condition. A provision has been recognised for the present value of the estimated expenditure required to demolish any leasehold improvements at the end of the lease. These costs have been capitalised as part of the cost of leasehold improvements and are amortised over the shorter of the term of the lease or the useful life of the assets. Note 31: Events after the reporting date Apart from (i) the revised long-form reseller agreement signed with Tabcorp as announced 25 August 2020 and payment of the $15,000,000 exten- sion fee, and (ii) the final dividend declared, as at the date of this Directors’ Report, the directors are not aware of any matter or circumstance that has arisen that has significantly affected, or may significantly affect, the opera- tions of the Company in the financial years subsequent to 30 June 2020. The above items are not recognised in the financial statements 30 June 2020. 96 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 97 Tel: +61 7 3237 5999 Fax: +61 7 3221 9227 www.bdo.com.au Level 10, 12 Creek St Brisbane QLD 4000 GPO Box 457 Brisbane QLD 4001 Australia INDEPENDENT AUDITOR'S REPORT To the members of Jumbo Interactive Limited Report on the Audit of the Financial Report Opinion We have audited the financial report of Jumbo Interactive Limited (the Company) and its subsidiaries (the Group), which comprises the consolidated statement of financial position as at 30 June 2020, the consolidated statement of profit or loss and other comprehensive income, the consolidated statement of changes in equity and the consolidated statement of cash flows for the year then ended, and notes to the financial report, including a summary of significant accounting policies and the directors’ declaration. In our opinion the accompanying financial report of the Group, is in accordance with the Corporations Act 2001, including: (i) Giving a true and fair view of the Group’s financial position as at 30 June 2020 and of its financial performance for the year ended on that date; and (ii) Complying with Australian Accounting Standards and the Corporations Regulations 2001. Basis for opinion We conducted our audit in accordance with Australian Auditing Standards. Our responsibilities under those standards are further described in the Auditor’s responsibilities for the audit of the Financial Report section of our report. We are independent of the Group in accordance with the Corporations Act 2001 and the ethical requirements of the Accounting Professional and Ethical Standards Board’s APES 110 Code of Ethics for Professional Accountants (including Independence Standards) (the Code) that are relevant to our audit of the financial report in Australia. We have also fulfilled our other ethical responsibilities in accordance with the Code. We confirm that the independence declaration required by the Corporations Act 2001, which has been given to the directors of the Company, would be in the same terms if given to the directors as at the time of this auditor’s report. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion. Key audit matters Key audit matters are those matters that, in our professional judgement, were of most significance in our audit of the financial report of the current period. These matters were addressed in the context of our audit of the financial report as a whole, and in forming our opinion thereon, and we do not provide a separate opinion on these matters. BDO Audit Pty Ltd ABN 33 134 022 870 is a member of a national association of independent entities which are all members of BDO Australia Ltd ABN 77 050 110 275, an Australian company limited by guarantee. BDO Audit Pty Ltd and BDO Australia Ltd are members of BDO International Ltd, a UK company limited by guarantee, and form part of the international BDO network of independent member firms. Liability limited by a scheme approved under Professional Standards Legislation. Impairment assessment of Goodwill and Other Intangible Assets Key audit matter How the matter was addressed in our audit The Group’s disclosures in respect to intangible assets, including the impairment assessments of goodwill and other intangible assets are included in Note 9. The carrying value of intangible assets represent a significant asset of the Group. The Group is required to annually test the amount of goodwill and indefinite useful life intangible assets for impairment and assess other intangible assets for impairment indicators. This annual impairment test was significant to our audit because the goodwill and intangible assets balance is material to the financial statements and because management’s assessment process is complex, highly judgmental and includes estimates and assumptions relating to expected future market or economic conditions. Our procedures included, amongst others: • • • • • • Evaluating management’s determination of the Group’s Cash Generating Units ("CGU's") to ensure they are appropriate, including being at a level no higher than the operating segments of the entity Evaluating management’s process regarding the valuation of the Group’s goodwill and other intangible assets Assessing the Group’s assumptions and estimates relating to forecast revenue, costs, capital expenditure, discount rates and the life of reseller agreements used to determine the recoverable amount of its assets Assessing the Group’s assumptions and estimates relating to forecast revenue, costs, capital expenditure, discount rates and the life of the revised reseller agreements based on the Binding Term sheet entered into on 28 June 2020, used to determine the recoverable value of its assets. Comparing the terms of the Binding Term sheet with the revised long-form reseller agreement signed on 25 August 2020 Assessing the historical accuracy of forecasting of the Group by comparing the current year actual results with FY19 figures included in prior year forecasts to consider whether any forecasts included assumptions, that with hindsight, had been optimistic Challenging key assumptions by performing sensitivity analysis on the growth rates and discount rate assumptions used. Revenue recognition and measurement Key audit matter How the matter was addressed in our audit • • The assessment of revenue recognition was significant to our audit because revenue is a material balance in the financial statements for the year ended 30 June 2020 The assessment of revenue recognition and measurement required significant auditor effort. Our procedures included, amongst others: • • • • • Assessing the revenue recognition policy for compliance with AASB 15 Revenue from Contracts with Customers, including the revenue recognition policy of the Gatherwell Limited Documenting the processes and assessing the internal controls relating to revenue processing and recognition Tracing a sample of revenue transactions to supporting documentation Developing expectations of monthly trends taking into account of seasonality and timing of major prize monies for each lotto draw and comparing with actual revenue recognised each month Assessing the adequacy of the Group's disclosures within the financial statements BDO Audit Pty Ltd ABN 33 134 022 870 is a member of a national association of independent entities which are all members of BDO Australia Ltd ABN 77 050 110 275, an Australian company limited by guarantee. BDO Audit Pty Ltd and BDO Australia Ltd are members of BDO International Ltd, a UK company limited by guarantee, and form part of the international BDO network of independent member firms. Liability limited by a scheme approved under Professional Standards Legislation. 98 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 99 Accounting for the Acquisition of Gatherwell Limited Key audit matter How the matter was addressed in our audit As disclosed in Note 19 of the financial report, the company acquired Gatherwell Limited (a company based in UK). The audit of the accounting for this acquisition is a key audit matter due to the significant judgment and complexity involved in assessing the determination of the fair value of identifiable intangible assets and the final purchase price which included contingent deferred consideration. Our procedures included, amongst others: • Obtaining an understanding of the transaction including an assessment of the accounting acquirer and whether the transaction constituted a business or an asset acquisition • Comparing the assets and liabilities recognised on acquisition against the historical financial information included in the due diligence report • Obtaining a copy of the Purchase Price Allocation (PPA) report prepared by an independent expert to assess the determination of the fair values of the identifiable intangible assets associated with the acquisition • • • In conjunction with internal experts, reviewing the valuation methodology used in the PPA report, in assessing the fair values of intangible assets acquired including developed software, customer contracts and relationships Assessing the estimation of the contingent consideration by challenging the key assumptions including probability of achievement of future profit targets. This included comparing the actual performance since acquisition against the forecast performance Assessing the adequacy of the Group's disclosures of the acquisition Other information The directors are responsible for the other information. The other information comprises the information in the Group’s annual report for the year ended 30 June 2020, but does not include the financial report and the auditor’s report thereon. Our opinion on the financial report does not cover the other information and we do not express any form of assurance conclusion thereon. In connection with our audit of the financial report, our responsibility is to read the other information and, in doing so, consider whether the other information is materially inconsistent with the financial report or our knowledge obtained in the audit or otherwise appears to be materially misstated. If, based on the work we have performed, we conclude that there is a material misstatement of this other information, we are required to report that fact. We have nothing to report in this regard. Responsibilities of the directors for the Financial Report The directors of the Company are responsible for the preparation of the financial report that gives a true and fair view in accordance with Australian Accounting Standards and the Corporations Act 2001 and for such internal control as the directors determine is necessary to enable the preparation of the financial report that gives a true and fair view and is free from material misstatement, whether due to fraud or error. In preparing the financial report, the directors are responsible for assessing the ability of the group to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless the directors either intend to liquidate the Group or to cease operations, or has no realistic alternative but to do so. Auditor’s responsibilities for the audit of the Financial Report Our objectives are to obtain reasonable assurance about whether the financial report as a whole is free from material misstatement, whether due to fraud or error, and to issue an auditor’s report that includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee that an audit conducted in accordance with the Australian Auditing Standards will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of this financial report. A further description of our responsibilities for the audit of the financial report is located at the Auditing and Assurance Standards Board website (http://www.auasb.gov.au/Home.aspx) at: https://www.auasb.gov.au/admin/file/content102/c3/ar1_2020.pdf This description forms part of our auditor’s report. Report on the Remuneration Report Opinion on the Remuneration Report We have audited the Remuneration Report included in pages 47 to 55 of the directors’ report for the year ended 30 June 2020. In our opinion, the Remuneration Report of Jumbo Interactive Limited, for the year ended 30 June 2020, complies with section 300A of the Corporations Act 2001. Responsibilities The directors of the Company are responsible for the preparation and presentation of the Remuneration Report in accordance with section 300A of the Corporations Act 2001. Our responsibility is to express an opinion on the Remuneration Report, based on our audit conducted in accordance with Australian Auditing Standards. BDO Audit Pty Ltd K L Colyer Director Brisbane, 26 August 2020 BDO Audit Pty Ltd ABN 33 134 022 870 is a member of a national association of independent entities which are all members of BDO Australia Ltd ABN 77 050 110 275, an Australian company limited by guarantee. BDO Audit Pty Ltd and BDO Australia Ltd are members of BDO International Ltd, a UK company limited by guarantee, and form part of the international BDO network of independent member firms. Liability limited by a scheme approved under Professional Standards Legislation. BDO Audit Pty Ltd ABN 33 134 022 870 is a member of a national association of independent entities which are all members of BDO Australia Ltd ABN 77 050 110 275, an Australian company limited by guarantee. BDO Audit Pty Ltd and BDO Australia Ltd are members of BDO International Ltd, a UK company limited by guarantee, and form part of the international BDO network of independent member firms. Liability limited by a scheme approved under Professional Standards Legislation. 100 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 101 SHAREHOLDER INFORMATION The Company has 62,448,757 ordinary shares on issue, each fully paid. There are 13,551 holders of these ordinary shares as at 31 July 2020. Shares are quoted on the Australian Securities Exchange under the code JIN and on the German Stock Exchange. In addition, there are an aggregate total 700,000 options and 46,716 rights over ordinary shares on issue but not quoted on the Australian Securities Exchange. Corporate Governance Statement The Corporate Governance Statement is available on the Company's website at https://www.jumbointeractive.com/governance/corporate_gov- ernance_statement.pdf (a)The range of fully paid ordinary shares as at 31 July 2020 Range 1 – 1,000 1,001 – 5,000 5,001 – 10,000 10,001 – 100,000 100,001 – and over Total Holders 9,595 3,253 408 263 32 Units % of issued capital 3,517,177 7,507,553 2,991,576 6,551,464 41,880,987 5.63 12.02 4.79 10.49 67.06 Total 13,551 62,448,757 100.00 (b)Unmarketable parcels Minimum $500.00 parcel at $10.88 per unit 46 574 16,507 Minimum parcel size Holders Units The number of shareholders holding less than the marketable parcel of shares is 574 (shares 16,507) (c) Substantial holders of 5% or more fully paid ordinary shares as at 31 July 20201: Name Notice date Shares Percentage Held Vesteon Pty Ltd and associates 15 October 2018 9,436,955 Tatts Online Pty Ltd 5 July 2018 7,234,178 15.8 12.5 Ordinary 1 as disclosed in substantial shareholder notices received by the Company (d) Voting rights The voting rights attached to each class of equity security are as follows: Ordinary shares • Each ordinary share is entitled to one vote when a poll is called, otherwise each member present at a meeting or by proxy has one vote on a show of hands. Options and Rights over Unissued Shares • Holders have no voting rights until their options/rights are exercised. Units % of Units 8,798,938 7,925,787 7,234,178 6,132,380 1,754,072 1,691,631 1,161,702 1,125,000 680,911 666,791 573,420 400,000 358,215 318,214 308,152 303,092 263,367 220,021 186,534 173,198 40,275,609 22,173,148 14.09 12.69 11.58 9.82 2.81 2.71 1.86 1.80 1.09 1.07 0.92 0.64 0.57 0.51 0.49 0.49 0.42 0.35 0.30 0.28 64.49 35.51 (e)Top 20 holders of fully paid ordinary shares as at 31 July 2020 Name 1. VESTEON PTY LTD 2. JP MORGAN NOMINEES AUSTRALIA PTY LTD 3. TATTS ONLINE PTY LTD 4. HSBC CUSTODY NOMINEES (AUSTRALIA) LIMITED 5. CITICORP NOMINEES LIMITED 6. NATIONAL NOMINEES LIMITED 7. BNP PARIBAS NOMINEES PTY LTD 8. MR BARNABY COLMAN CADDICK 9. BNP PARIBAS NOMS PTY LTD 10. MR MIKE VEVERKA 11. BNP PARIBAS NOMINEES PTY LTD 12.SEYMOUR GROUP PTY LTD 13. UBS NOMINEES PTY LTD 14. BNP PARIBAS NOMINEES PTY LTD 15. HSBC CUSTODY NOMINEES (AUSTRALIA) LIMITED - A/C 2 16. BNP PARIBAS NOMS (NZ) LTD 17. BUTTONWOOD NOMINEES PTY LTD 18. MR JOHN ROSAIA 19. MR BRIAN ROBERTS 20. SANDHURST TRUSTEES LTD Total Top 20 shareholders of ordinary fully paid shares Total remaining holders balance (f) Unquoted securities as at 31 July 2020 Options over Unissued Shares. A total of 700,000 options are on issue to employees for services rendered. Exercise price Expiry date Number on issue Number of holders $1.75 $3.50 18 November 2020 15 November 2022 100,000 600,000 1 1 Rights over Unissued Shares. A total of 46,716 rights are on issue to KMP Exercise price Expiry date $nil 1 July 2022 Number on issue 46,716 Number of holders 4 (g) On-market buy-back There is no current on-market buy-back in effect. 102 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 JUMBO INTERACTIVE LTD ANNUAL REPORT 2020 103 COMPANY INFORMATION Jumbo Interactive Limited ABN 66 009 189 128 www.jumbointeractive.com Directors David K Barwick (Non-Executive Chairman) Bill Lyne (Non-Executive Director) Sharon Christensen (Non-Executive Director) Giovanni Rizzo (Non-Executive Director) Mike Veverka (Executive Director and Chief Executive Officer) Chief Financial Officer David Todd Company Secretary Bill Lyne Registered Office Level 1, 601 Coronation Drive, Toowong, QLD 4066 Telephone: 07 3831 3705 Facsimile: 07 3369 7844 Auditor BDO Audit Pty Ltd Level 10, 12 Creek Street, Brisbane, QLD 4000 Share Registrar Computershare Investor Services Pty Ltd Level 1, 200 Mary Street, Brisbane, QLD 4000 Telephone: 07 3237 5999 Facsimile: 07 3221 9227 Jumbo Interactive Limited Level 1, 601 Coronation Drive PO Box 824 Toowong, Queensland, 4066 Australia +61 7 3831 3705 www.jumbointeractive.com See you next year

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