Quarterlytics / Marshall Motor Holdings plc

Marshall Motor Holdings plc

mmh · LSE
Claim this profile
Ticker mmh
Exchange LSE
Sector
Industry
Employees 1001-5000
← All annual reports
FY2015 Annual Report · Marshall Motor Holdings plc
Sign in to download
Loading PDF…
238947 MMH AR FC_ISC  17/03/2016  14:28  Page 1

Annual Report & Accounts 2015

M
a
r
s
h
a
l
l

l

M
o
t
o
r
H
o
d
n
g
s
p
l
c

i

|

A
n
n
u
a
l

R
e
p
o
r
t

&
A
c
c
o
u
n
t
s
2
0
1
5

www.mmhplc.com

Marshall Motor Holdings plc 
Airport House, The Airport, 
Cambridge, CB5 8RY

© 2015 Marshall Motor Holdings plc

106 years of putting 
our customers
above all else

 
 
 
 
 
 
 
 
 
 
 
 
238947 MMH AR Inner Cover Singles  18/03/2016  07:28  Page 2

Historical Financial Trends 

The Group has delivered a record trading
performance for the year ended 
31 December 2015

Revenue  £m

Gross Profit  £m

£1,232.8m

£1,085.9m

£940.5m

£794.4m

£145.3m

£126.2m

£113.8m

£93.3m

2012

2013

2014

2015

2012

2013

2014

2015

CAGR 15.8%

CAGR 15.9%

Adjusted Profit Before Tax* £m

Net Assets £m

£15.8m

£13.1m

£129.9m

£10.2m

£4.6m

£60.7m

£56.0m

£66.2m

2012

2013

2014

2015

2012

2013

2014

2015

CAGR 51.5%
* Profit before tax and acquisition costs

CAGR 32.4%

22

Pg 4
Chairman’s 
Statement

Pg 16
Financial
Review

Pg 6
Operating
Review

238947 MMH AR pp03-pp13  16/03/2016  17:12  Page 3

Contents

STRATEGIC REPORT

Chairman’s Statement                                                          4

Operating Review                                                                 6

Financial Review                                                                 16

Principal Risks and Uncertainties                                      20

GOVERNANCE

Board of Directors                                                              22

Directors’ Report                                                                24

Corporate and Social Responsibility                                 26

Corporate Governance Report                                          28

Audit Committee Report                                                     31

Remuneration Committee Report                                      33

Directors’ Remuneration Report                                        34

Statement of Directors’ Responsibilities                           41

FINANCIAL STATEMENTS

Independent Auditors’ Report                                            42

Consolidated Statements                                                    

Consolidated Statement of Comprehensive Income        44

Consolidated Statement of Changes in Equity                 45

Consolidated Statement of Financial Position                  46

Consolidated Cash Flow Statement                                  47

Notes to the Consolidated Financial Statements             48

Parent Company Statements

Parent Company Statement of Financial Position            81

Parent Company Statement of Changes in Equity          82

Notes to the Parent Company Financial Statements       83

SHAREHOLDER INFORMATION

Notice of Annual General Meeting                                    89

Explanatory Notes                                                              90

Company Information                                                         91

3

238947 MMH AR pp03-pp13  16/03/2016  17:12  Page 4

STRATEGIC REPORT

Chairman’s Statement

Peter Johnson
Chairman
 In April 2015 we
successfully
completed our listing
on the AIM market of
the London Stock
Exchange, raising
gross proceeds
of £40m.

In November 2015 we
completed the
acquisition of 
SG Smith

The Group has a
strong balance sheet
and is well positioned
to drive further organic
and acquisitive
growth.

Introduction
I am delighted to present our first Annual
Report & Accounts as an independent
public  company for  the  year  ended 
31 December 2015 (the “Year”). In April
2015  we  successfully  completed  our
listing on the AIM market of the London
Stock  Exchange  (“Admission”), raising
gross  proceeds  of  £40m.  This  major
milestone  in  the Company’s  106  year
history  leaves  us  well  positioned  to
exploit further growth opportunities in the
future.

Strategy
Our vision to become the UK’s premier
automotive  retail  and  leasing group
remains and  I  am  pleased  to  report
considerable  progress  in  each  of  the
strategic  pillars  which  underpin this
vision.  In  particular, on  16  November
2015 we completed the acquisition of the
entire issued share capital of SG Smith
Holdings Limited (“SG Smith”) for a cash
consideration of approximately £24.0m.
We  are particularly  pleased to  have
acquired this long established, family run
business  and we welcome  our  new
colleagues 
the Marshall  Motor
Holdings  plc  group  of  companies  (the
“Group”). The acquisition is in line with
our  stated  strategy  to  grow  scale  with
existing brand partners and extend our
geographic  footprint into  new  regions.
The business is a good cultural fit for the
Group  and  we  are  delighted  to have
significantly grown our relationship with
our  Skoda
Audi, 
strengthened 
our
representation  and  extended
in
partnership  with  Mercedes-Benz 
commercial vehicles.

to 

Results
The Group has enjoyed another record
year,  delivering 13.5%  revenue  growth
and 21.4% adjusted PBT growth despite
absorbing significant additional costs as
a  result  of  our  new  public  company
status. Net cash at 31 December 2015 of
£24.1m  continues 
the
balance  sheet  and,  together  with  its
unutilised £75m debt facility, leaves the
Group  well  positioned  to  drive  further
organic and acquisitive growth.

to  underpin 

4

is,

pleased 

Dividend
As stated at Admission, the Board intends
to maintain a progressive dividend policy
where dividends are covered between 4
to 5 times by underlying earnings. The
Board 
to
therefore,
recommend a final dividend of 2.40p per
share  which,  with  the  pro-rata  interim
dividend of 0.58p per share, gives a total
dividend for the Year ended 31 December
2015 of 2.98p per share. If approved by
shareholders  at  our  AGM  on  24  May
2016, the final dividend will be paid by 27
May 2016 to shareholders who are on the
Company’s register at close of business
on 22 April 2016.

People and Partnerships
I have been able to visit over sixty of our
dealerships since Admission and have
been  immensely  impressed  with  the
energy  and
the
colleagues I have met.

commitment  of 

We have excellent relationships with our
brand  partners which  we  value  highly.
Working in partnership with them we will
drive  further  organic  and  acquisition
related growth.

AGM
Our  first  annual  general  meeting  as  a
public company will be held on 24 May
2016 and I look forward to meeting all
shareholders who are able to attend.

Outlook
Trading in the current financial year has
started  in  line  with  our  expectations.
Based on current market conditions and
visibility  of  the  important  March  plate
change  month,  we  continue  to  have
confidence in delivering further material
growth  in  2016 in  line  with  current
expectations.

Finally, I would like to thank the Board,
the executive team, our brand partners,
business  suppliers  and  colleagues
throughout the Group for their support in
what was an historic year for the Group.

Peter Johnson
Chairman
16 March 2016

238947 MMH AR pp03-pp13  16/03/2016  17:12  Page 5

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Coulsdon Audi acquired 
as part of  the SG Smith acquisition

5

Audi A4

238947 MMH AR pp03-pp13  16/03/2016  17:13  Page 6

STRATEGIC REPORT

Operating Review

The Group also made significant progress
within its leasing segment with profitability
up 24.0%.  At  31 December  2015,  the
leasing 
fleet  was 6,029 vehicles
(31 December 2014: 6,031). 

Customer first
The Group continues to enjoy high levels
of customer advocacy. In 2015 43.1% of
28,755 customers surveyed who visited
our showrooms indicated that they were
either  previous  customers  or  were
recommended  to  us. Plans  are  well
advanced to launch our new website in the
first  half  of  2016  which  will  provide
additional  content  and  functionality  to
support the customer journey.

Retailing excellence
We  recognise  the  importance  of  the
opportunities that exist from the use of
technology to both attract customers and
provide  them  with  an  enhanced  retail
experience.  In  particular, during  the
second half of the Year we commenced
the implementation across the Group of
a  tablet-based  enquiry  management
system  which  facilitates  a  seamless
customer  experience  and  assists
compliance in the marketing and sale of
ancillary products.

bespoke 

We  have  now  completed  the  second
iteration and  roll  out  of  “Phoenix”,  the
management
Group’s 
information  system.  This 
in-house
developed  system  provides  real-time
management 
all
operational and financial aspects of the
business and is a valuable tool in driving
returns and competitive performance.

information 

on 

People centric
The Group has continued to focus on all
aspects of colleague engagement and we
were delighted that this was recognised by
The Great Place to Work Institute in April
2015 with  the  Group  being  ranked
amongst the best companies in the UK,
including  Capital  One,  Microsoft,  Cisco
Systems and the Hyatt Group.

Overview
I am delighted to report that the Group has
delivered  a  record  trading  performance
during the Year. Revenue of £1,232.8m
was  ahead  of  last  year  by 13.5% and
adjusted  PBT was up  21.4%. Both  our
retail and leasing segments have reported
significant growth in profit before tax, up
29.0% and 24.0% respectively. 

The UK economic and market backdrop
remained  generally  positive,
has 
providing  a  stable  platform  for  further
growth and development. Following three
consecutive years of strong growth in the
the  rate  of
UK  new  car  market, 
underlying growth has returned to more
normalised 
levels.  UK  new  car
registrations in 2015 were 6.3% ahead of
2014 including self/dealer registrations.
The strength  of sterling  in  2015  and
slower  growth  rates  in  some overseas
markets made  the  UK an  attractive
market for many of our brand partners. 

through: class 

Our strategy to become the UK’s premier
automotive  and  leasing  group  remains
central to everything we do. We measure
and monitor performance against our five
strategic pillars of creating value for our
leading
shareholders 
returns; putting  our  customers 
first;
delivering  retailing excellence for  the
benefit of our customers particularly with
the use of technology; being people centric
by  focusing on  employee  engagement;
and pursuing  strategic  growth both
targeted
organically 
acquisitions.

through

and 

Class leading returns
During the Year the  Group recorded new
vehicle revenue growth of 17.1% (10.5%
like-for-like*) and used vehicle revenue
growth of 11.2% (3.1% like-for-like).

The  Group’s  retail  segment showed
strong growth in aftersales. Revenue grew
by 8.5% aligned to a 12.8% improvement
in margin. We benefitted from a growing
UK vehicle parc (particularly in vehicles
aged  between  1-3  years  old  where
customers typically return to franchised
dealerships for aftersales services) and a
number  of  continuing  management
initiatives.

6

Daksh Gupta
Chief Executive Officer

The Group has
delivered a record
trading performance
during the Year.

Both our retail and
leasing segments
have reported
significant growth in
profit before tax, up
29.0% and 24.0%
respectively.

*like-for-like businesses  are  defined  as
those  which  traded  under  the  Group’s
ownership throughout both the entire year
under 
the  corresponding
comparative year 

review  and 

238947 MMH AR pp03-pp13  16/03/2016  17:13  Page 7

Every January the Group holds
the MAVTAs (Marshall
Achievement Values and
Teamwork Awards) at King’s
College, Cambridge. 
We recognise colleagues from
across the Group who have
demonstrated their commitment
to living our company values.

Recognising that people are
at the heart of our success.

Twice a year the Group runs incentive programs where high performers and colleagues who live our company values go on an overseas
trip. These pictures are from Abu Dhabi and Las Vegas where 70 colleagues were winners. (Pictured below - left and middle)

Every year we recognise colleagues who have had long service with the Group with a weekend away with their partners. In June 2015
around 150 colleagues and their partners were invited to the annual loyalty event at the Belfry. (Pictured below - right)

7

238947 MMH AR pp03-pp13  16/03/2016  17:13  Page 8

STRATEGIC REPORT

Strategic growth
We will continue to grow scale with our
existing brand partners and our strong
balance  sheet will  facilitate further
organic and acquisition related growth in
new  regions.  Our  acquisitive  growth
agenda has always been conducted by
working  in  partnership  with  all  of  our
brand partners.

I  would  like  to  take  this  opportunity  to
thank  our  brand  partners  for  their
continued support, particularly in respect
of our Admission in 2015.

Retail Segment
Overview
During  the  Year  the  retail  segment
achieved  a  record  profit  before  tax  of
£18.8m, a growth of 29.0% versus the
same period last year.

During the Year the Group operated 76
franchise  dealerships representing  24
manufacturer brands as well as a number
of after sales and used car operations. The
Group operates a well-balanced portfolio
of volume, prestige and alternate premium
brands giving  it
the  highest  market
coverage  of  any  UK  dealer  group. The
Board believes this diversified spread of
representation helps mitigate the effect of
the  cyclical  nature  of  individual  brand
performance. In addition, the Group has
significant headroom with a number of its
manufacturer partners to achieve further
scale in  representation  through  future
acquisitions in  line  with  the  Group’s
strategy.

Integration of acquisitions 
made in 2014
We have now successfully completed the
integration of the three acquisitions made
in 2014 all of which have made a positive
contribution in 2015 and are performing
in line with expectations.

Acquisition of SG Smith
In  November  2015  we  completed  the
acquisition  of  SG  Smith,  our  first
acquisition  as  a  public  company.  This
acquisition  was  in  line  with  our  stated
strategy  of  growth  with  existing  brand
partners in new geographic territories.

This acquisition has significantly grown
our  relationship  with  Audi  with four
franchised dealerships in the attractive
markets of Wimbledon,  Coulsdon,

Twelve months ended 31 December 2015

New Car

Used Car

Aftersales

Internal

Total

Twelve months ended 31 December 2014

New Car

Used Car

Aftersales

Internal

Total

* mix calculation excludes internal revenue

Bexley  and  Beckenham  along  with  an
Audi  approved  used  car  centre  in
Sydenham. We have also strengthened
our  Skoda  representation  with 
the
addition of Croydon Skoda and extended
our partnership with Mercedes Benz in
Commercial vehicles with an authorised
repair facility in Croydon. In addition, the
acquisition  included two Volkswagen
Group Trade Parts Specialist businesses
in the South London area.

We  expect
materially earnings enhancing in 2016.

this acquisition 

to  be

Investment in existing businesses
In  addition  to  the  acquisition  of SG
Smith, we have undertaken significant
investment in our existing portfolio with
facility improvements at our Cambridge
Ford Commercial Vehicles, Cambridge
Peugeot, Milton Keynes Volvo, Taunton
VW, Plymouth Audi and a number of our
North West Mercedes-Benz sites.

Investment in new retail locations
Further  material  investment  projects
were  progressed  during  the Year.  In
particular:

•

•

In  March  2015, we  purchased the
interest  of  our
long-leasehold 
Jaguar/Land  Rover 
in
Cambridge in  preparation  for  the
re-development of the site.

facility 

In December 2015, we completed the
purchase  of  land  for  development  in
Ipswich to support the establishment of

Revenue

£m

mix*

Gross Profit
£m

mix

637.8

52.1%

45.7

33.6%

459.2

37.5%

33.3

24.5%

127.8

10.4%

56.9

41.9%

(29.3)

1,195.5 100.0% 135.9 100.0%

Revenue

£m

mix*

Gross Profit
mix
£m

544.8

50.6% 39.3

33.4%

413.1

38.4% 27.7

23.6%

117.9

11.0% 50.5

43.0%

(25.3)

1,050.5

100.0% 117.5 100.0%

is 

of 

part 

a new Jaguar/Land Rover facility. This
the
development 
reorganisation  of  the  Jaguar/Land
Rover Suffolk market area and will see
the relocation of the Group’s existing
Halesworth  Land  Rover  and  Ipswich
Jaguar dealerships to the new site.

2016

• We exchanged contracts for (and in
March
subsequently
completed) the purchase of land for
development in Exeter to support the
relocation of our Audi facility.

Each of these new facilities is expected
to commence trading in the latter part of
2016. Whilst a  period  of  disruption  to
these  businesses is  likely they  are  all
expected to generate additional revenue
and  profitability over  the  medium  to
longer term.

Acquisitions
We  continue  to  review  a  number  of
potential acquisition opportunities in line
with  our  stated  strategy  to  grow  scale
with existing brand partners and extend
our geographic footprint into new regions.
Our focus remains on ensuring a strong
strategic  and  financial  case  for  any
transaction  we  seek  to  make working
alongside our brand partners.

8

BMW 7 series

238947 MMH AR pp03-pp13  16/03/2016  17:13  Page 9

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Artist’s impression of  the new JLR ‘Arch concept’ which we will be opening in Cambridge and Ipswich 

Taunton Volkswagen Dealership

Artist’s impression of  Exeter Audi

9

238947 MMH AR pp03-pp13  16/03/2016  17:13  Page 10

STRATEGIC REPORT

New Vehicles

2015

2014

Total

LFL

Growth

Total New Units

35,103

31,951

9.9%

7.2%

During the Year, the Group increased its
new car unit sales by 9.9% (like-for-like
7.2%).  This  strong  performance  was
delivered against an overall year-on-year
increase of 6.3% in new car registrations
including  self/dealer  registrations, of
which the private registration element of
the UK market increased by 2.5% with
fleet growing at 11.8%.

have 

payments 

Market  growth  in  new  vehicle  sales
continues to be driven by the availability
of low interest finance. Personal contract
purchase (“PCP”) with minimal or zero
deposit  requirements  and  affordable
monthly 
been
instrumental  in  driving  the  new  retail
market.  In  addition,  a  weaker  than
expected  economic  recovery  in  the
Eurozone and the strength of sterling in
2015, coupled  with  slower  demand  in
certain overseas markets, have resulted
in additional new vehicle supplies being
drawn to the UK market.

Recent  reductions  in  fuel  costs,  the
introduction of more fuel efficient vehicles
and a stable used car market have also
played  their  part  in  driving  new  retail
sales as consumers seek to access the
benefits of new car ownership.

Total  gross  profit  from  new  vehicles
increased by 16.3%.

Scunthorpe BMW Dealership

Range Rover Evoque Convertible

Scarborough Honda Dealership

BMW 7 series

10

238947 MMH AR pp03-pp13  16/03/2016  17:13  Page 11

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Used Vehicles

2015

2014

Total

LFL

Growth

Total Used Units

27,699

25,598

8.2%

1.5%

During the Year, the Group increased its
used car unit sales by 8.2% (like-for-like
1.5%).

The  Group  continues  to  operate a
prudent 56  day  stocking  policy  and
continues  to  account  for  used  car
refurbishment and preparation costs at
full  retail rates.  Whilst  these  policies
impact the Group’s reported margin in
used cars, we consider these combined
policies promote improved stock turnover,
reduce residual value stock holding risk
and  ensure  rigour  in  appraising  and

valuing part exchange vehicles acquired
by the Group.

Used  car  gross  margin at 7.2%  was
0.5%  up  against the  same  period  last
year (2014:  6.7%) and remains a  key
area of opportunity moving forward. This
improved  F&I
was  driven  by  both 
performance  and  other  point  of  sale
initiatives.  The Group continues 
to
implement a  number  of  incremental
including  a
margin-driving 
greater  focus  on  used  vehicles  aged
between  three  to  five  years.  These

initiatives 

Aftersales

Revenue (£m)

During  the  Year,  the  Group  increased
aftersales revenue by 8.5% (like-for-like
2.4%). 

involves 

the  servicing,
Aftersales 
maintenance and repair of vehicles. The
Group  operates  two  standalone  body
shops  and  one  standalone  petrol
forecourt. Aftersales makes a significant
financial contribution to the Group which
is important in  the  context  of  a more
cyclical new car market.

The  aftersales  market 
is  highly
dependent on the UK vehicle parc. The
latest estimate from the Society of Motor

2015

2014

Total

LFL

Growth

127.8

117.9

8.5%

2.4%

Manufacturers  and  Traders  is  that  the
UK car parc currently stands at 31.9m
vehicles, increasing over recent years as
a result of the strong new car market. 

In  addition,  increased  penetration  of
service  plans  has supported  market
growth allowing customers to plan and
budget  for  service  costs  with  a  higher
level  of  certainty  and  ensuring  repeat
visits  to  the  dealership. In  addition  to
offering brand partner service plans, the
Group  operates  its  own-brand  service
plan  covering  both  new  and  used
vehicles. This represents a key area of
focus for the Group moving forward.

vehicles  have  a  lower  average  selling
price whilst maintaining similar levels of
gross profit per unit and are attractive to
consumers  seeking  reassurance  and
warranty  protection  from  a  franchised
dealer.

Total  gross  profit  from  used  vehicles
increased by 19.8%.

The  policy  of  charging  full  retail  for
preparation costs means our aftersales
performance is strong which we believe
acts as a defensive driver against any
downturn. This  strategy  ensures  the
Group  enjoys  a  significantly  higher
overhead  absorption  compared  to  the
UK average.

Gross margin at 44.5% has also seen a
significant improvement, up from 42.8%
in  the  same  period  last  year  partly
due to workshop efficiency, productivity
improvements
and  management
initiatives.

11

Volvo Milton Keynes workshop

238947 MMH AR pp03-pp13  16/03/2016  17:13  Page 12

STRATEGIC REPORT

Leasing Segment

Additions

Disposals

Fleet

During  the  Year  the  leasing  segment
achieved  a  record  profit  before  tax  of
£4.9m, a  growth  of 24.0% versus the
same period last year.

a 

service-led 

The leasing segment continues to focus
on  its  business-to-business  strategy,
fleet
providing 
management offering high added value
service  to  clients.  During  the Year  the
Group successfully recruited a number
of new clients and converted a number
of  existing  clients  to  exclusive  supply
arrangements.  The  segment  is  fully
integrated  within 
the  Group  and
wherever possible, sources new vehicles
and de-fleets end of lease vehicles via
the Group’s retail segment. Of the 1,771
additions  to  the  fleet, 1,335 were
sourced via the Group’s retail operation. 

FYR
2015

1,771

1,773

6,029

FYR
2014

1,712

1,291

6,031

more than 11.0% of the fleet and with
the  top  10  customers  accounting  for
44.0% of the fleet.

the 

Robust risk management and control is
a  core  discipline  of 
leasing
segment’s  business  model  and  the
sophisticated
segment 
employs 
techniques 
to  monitor  and  control
residual value risk. The used car market
remained  stable  during  the Year and
management continues to  monitor
residual values closely.

model  for  the  business. The leasing
segment will therefore remain focused
on  recruiting  and  retaining  clients
through its service-driven offering.

Summary
2015 was an historic year for the Group.
Our Admission in April 2015 facilitated our
largest acquisition to date in November
2015. During the Year we also achieved
record  results  in  both  our  retail  and
leasing agreements. We look forward to
building on this success in 2016.

The  leasing  fleet  continues  to  be
financed by asset-backed loans secured
against the vehicles. The net book value
of the fleet at 31 December 2015 was
£62.5m against £51.4m of loans (2014:
£58.3m against £47.0m of loans).

I would therefore like to join the Chairman
in thanking our brand partners, business
suppliers and my colleagues through the
Group  for  their  hard  work  and  support
and I look forward to continuing to work
with them in the coming year.

The client base of the leasing segment
remains  well  diversified  and  balanced
with  no  single  customer  representing

We believe that a prudent approach to
residual value setting in the leasing fleet
provides  a  sustainable  and  resilient

Daksh Gupta
Chief Executive Officer
16 March 2016

Our driver services app in our leasing business

12
12

238947 MMH AR pp03-pp13  16/03/2016  17:13  Page 13

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Volvo XC90

Mercedes Benz E-Class

Volkswagen Tiguan

13

Highest brand
coverage of
any dealer
group

238947 MMH AR pp14-pp15 new  16/03/2016  17:35  Page 14

%
2015 
Manufacturer 
Market 
Share

Franchised Dealerships

6.33

6.36

3.04

12.73

2.03

3.35

0.91

2.98

2.53

0.05

5.52

2.41

5.85

3.96

1.81

2.84

0.32

3.75

10.24

8.50

1.65

MOTORRAD

Vans

Beckenham & Bromley, Bexley,
Coulsdon, Exeter, Plymouth, Taunton
and Wimbledon

Grimsby and Scunthorpe

Cambridge

Bury St Edmunds, Cambridge 
and Kings Lynn

Harrogate, Hull, Leicester North,
Leicester South, Peterborough,
Scarborough and York  

Cambridge

Cambridge, Peterborough, 
Lincoln and Ipswich 

Ipswich, Scunthorpe

Bedford, Cambridge, Halesworth,
Lincoln, Melton Mowbray and 
Peterborough

Peterborough

Blackburn, Blackpool, Bolton, 
Preston and South Lakes

Grimsby

Boston, Bury St Edmunds,
Grantham and Lincoln

Cambridge, Peterborough and 
St Neots

Cambridge, Leicester 
and Braintree

Barnstaple and Croydon

Blackpool and Bolton

Kings Lynn and Peterborough

Ipswich, Knebworth, Leicester, 
Peterborough and Welwyn 
Garden City

Barnstaple, Taunton, 
Scunthorpe and Grimsby

Bishops Stortford, Cambridge, Grantham, 
Peterborough, Nottingham, Milton Keynes 
and Welwyn Garden City 

Commercial
Vehicles

Commercial
Vehicles

Other stand-alone Operating Units

TPS

Trade Parts
Specialist

TPS

Trade Parts
Specialist

TPS

Trade Parts
Specialist

Bodyshop

Bodyshop

Exeter, Mitcham 
and Old Kent Road / Dartford

Cambridge and Peterborough

Forecourt

Leasing

Approved
Centre

Used Car 
Centre

Commercial
Vehicles

DAS WELT

Cambridge

Huntingdon

Sydenham

Cambridge

Croydon

Bridgwater

14

238947 MMH AR pp14-pp15 new  16/03/2016  17:35  Page 15

1

South Lakes

2

1

1

Harrogate

Blackpool

Preston

Blackburn

2

Bolton

1

1

Scarborough

1

York

1

4

Hull

4

Scunthorpe

Grimsby

3

KEY
Number of sites 
in each market

1

Halesworth

3

1

2

Lincoln

1

Nottingham

Grantham

1

Boston

9

2

4

Melton
Mowbray

Leicester

1 1

Bedford

Milton Keynes

1

King’s 
Lynn

12

2

Peterborough

1

Huntingdon

Bury 
St. Edmunds

1

St. Neots

Cambridge

2

1

1

Ipswich

Knebworth

Welwyn Bishop’s 
Stortford

9

Braintree

Wimbledon
Mitcham

Old Kent Rd
Bexley

Bromley

Sydenham

Beckenham

Croydon

Coulsdon

2

2

Bridgwater

Taunton

2

Barnstaple

2

1

Exeter

Plymouth

Marshall  Motor  Holdings  is  a  top  10  UK  motor  dealer
group.  Since  2008  the  Group  has  restructured  its
dealership  portfolio,  operating  76 full 
franchise
dealerships  and  representing  24  brand  partners.  In
addition, the Group operates a number of aftersales and
used car operations.

76Franchised Dealerships

at 31 December 2015

15

238947 MMH AR pp16-pp19  16/03/2016  17:38  Page 16

STRATEGIC REPORT

Financial Review

Mark Raban 
Chief Financial Officer

Like-for-like revenues
showed pleasing
growth of 6.5%.
Revenues in new,
used and aftersales
all recorded growth
against the same
period last year.

A new £75m three
year banking facility
was put in place in
March 2015.

Group results
Turnover £1,232.8m
2014: £1,085.9m

Group turnover increased by 13.5% to
£1,232.8m 
£1,085.9m).
(2014:
Like-for-like revenues showed pleasing
growth of 6.5%. Revenues in new, used
recorded growth
and  aftersales  all
against the same period last year.

Gross margin at 11.8% is 0.2% up on the
prior year (2014: 11.6%). An increase in
the  mix  of  lower  margin  new  vehicles
(particularly fleet) has been more than
offset  by  margin  improvement  in  used
vehicles and aftersales.

Operating  expenses  of £127.1m were
14.5% higher than in the same period last
year principally driven by the growth of
the  business  through  acquisitions but
allied to the anticipated increase in the
unallocated segment costs as a result of
our new public company status. Within
our retail segment operating overheads
on a like-for-like basis grew by 5.8%.

Adjusted profit before tax* at £15.8m
was 21.4%  ahead  of   last  year.  This
was achieved through a combination
of  organic performance improvement,
full year contributions from acquisitions
and portfolio management undertaken
in 2014.

The retail and leasing segments showed
PBT  growth  of 29.0%  and 24.0%
respectively  which  represented  record
results for each segment.

The  unallocated  segment  consists
principally  of  administrative  and  asset
management  functions  which  are  not
directly attributable to the Group’s retail or
leasing  segment. The  unallocated
segment recorded a loss of £7.8m which
was, as previously highlighted at the time
of our interim results, £2.4m higher than
the same period last year. This was driven
in part by the first time occurrence of on
going  costs  to  support  our  new  public
company status and a one-off cost relating
to the settlement of historic, pre-Admission
long term incentive plan liabilities.

During the period, the Directors reassesed
the economic life of freehold buildings to
50 years. This change in estimate resulted
in a reduction in the depreciation charge
for the year of £0.5m.

Finance costs and
taxation
Finance costs £2.9m
2014: £2.4m

credit 

Finance  costs  of £2.9m were £0.5m
higher than the same period last year,
reflecting  increased  costs  associated
the  Group’s  unutilised  £75m
with 
revolving 
including
facility,
amortisation of arrangement fees and
non-utilisation charges. The Group has
also incurred higher stock funding costs
driven  by  additional  working  capital
requirements in line with the significant
revenue growth of the Group.

At 23.8%, the effective tax rate is above
last year (2014: 22.9%) partly as a result
of the impact of disallowable acquisition
expenses.

Acquisitions 
Spend (net of cash acquired) £21.5m
2014: £15.8m

On  16  November  2015  the Group
acquired the entire issued share capital
of SG Smith for approximately £24.0m.

The consideration included approximately
£9.1m in respect of the total net assets
and £15.8m in respect of goodwill (after
adjusting for deferred tax arising on IFRS
conversion).

The net assets included approximately
£6.8m of property, plant and equipment
and £2.5m of cash. The net assets are
subject  to  finalisation  of  completion
accounts. 

The Group incurred £0.5m of transaction
costs in relation to this acquisition. These
costs are presented separately on the
face of the income statement and are
excluded from adjusted profit before tax.

* Adjusted profit before tax is presented
excluding acquisition costs

16
16

238947 MMH AR pp16-pp19  16/03/2016  17:38  Page 17

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Vauxhall Astra

Skoda Octavia

Ford Focus

17

238947 MMH AR pp16-pp19  16/03/2016  17:38  Page 18

STRATEGIC REPORT

Cash Flow
Net increase in cash £22.3m
2014: £0.1m

Total cash inflow in the Year was £22.3m
(2014: £0.1m).

The Group received net proceeds from
the Admission of £36.9m after charging
certain fees and expenses in relation to
the  Admission  to  the  share  premium
account.  As  part  of  the  Admission
process  the Group  separated  from  its
former  parent’s  treasury  arrangements
through a number of related transactions
which were described in the Admission
document (available on the Company’s
website at www.mmhplc.com).

Excluding  the  impact  of  all  Admission
related transactions and the acquisition
of SG Smith, the underlying total cash
inflow  of  the  Group  in  the  Year  was
£8.3m, after retail capital expenditure of
£9.8m. The  Group  has  planned  for  a
significant  increase  in  retail  capital
expenditure  during  2016  to  support
facility  developments,  particularly  in
Jaguar/Land  Rover  and  Audi. As  at
31 December  2015,  the  Group  had
capital commitments totalling £10.8m.

Total inventory at 31 December 2015 was
£240.6m  (2014:  £163.0m)  including
£29.2m relating to SG Smith. As reported
at the time of the Group’s interim results,
increases to inventory are primarily being
driven by increases in new consignment
stock  to  support  new  products.  At  the
period end the Group had £186.2m of
arrangements
vehicle 
(2014: £110.5m) 
its
total inventory holding. At 31 December
2015, the Group had  £49.4m of fully paid
and unencumbered inventory providing
further balance sheet strength.

in  relation 

financing 

to 

Net cash
£24.1m
2014: £1.8m

Net  cash at  31 December 2015  was
£24.1m. Including  the £51.4m  asset-
backed loans within the leasing segment,
total net debt was £27.2m.

Retail PBT

£14.5m

£11.1m

£18.8m

£4.4m

2012 2013 2014 2015

Leasing PBT

£4.9m

£3.9m

£3.8m

£3.0m

2012

2013

2014

2015

A new £75m three year banking facility
was  put  in  place  in  March  2015  for
general  corporate  purposes  including
acquisitions  and  working 
capital
remains
facility 
requirements.  The 
undrawn providing significant resources
to fund organic and acquisitive growth
opportunities. The facility agreement
contains a £25m extension option which
is available by agreement with the two
lending banks. The Group is also able to
extend the term of the facility by up to 
12 months.

net 

target
(excluding 

The Board continues to believe it is in the
best interests of all stakeholders that the
Group  maintains  a  sound  financial
position.  In  this  respect,  the  Board
bank
continues 
to
indebtedness 
leasing
segment loans) of not more than 1.25x
net debt/EBITDA. This leverage may rise
for a period of time towards the Group’s
banking  facility  limit  of  not  more  than
3.0x should an exceptional investment
opportunity arise and provided a clear
plan exists to achieve reduction in the
target over the investment cycle.

Dividends

The Board is pleased to recommend a
final dividend of 2.40p per share which,
with  the  pro-rata  interim  dividend  of
0.58p per share, gives a total dividend for
the Year of 2.98p per share. If approved
by shareholders, the dividend will be paid
by 27 May 2016 to shareholders who are
on  the  company’s register  at  close  of
business on 22 April 2016. As set out in
our Admission  document,  the  Board
to  maintain  a  progressive
intends 
dividend  policy  where  dividends  are
covered between 4 to 5 times underlying
earnings.  

Mark Raban
Chief Financial Officer
16 March 2016

18

238947 MMH AR pp16-pp19  16/03/2016  17:38  Page 19

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Honda Civic Type R

Kia Sportage

Nissan Qashqai

19

238947 MMH AR pp20-pp21  16/03/2016  17:42  Page 20

STRATEGIC REPORT

Principal Risks and Uncertainties

The  Group  faces  a  range  of  risks  and  uncertainties.  The
processes that the Board has established to safeguard both
shareholder value and the assets of the Group are described
in the Corporate Governance report. Set out below are the
principal risks and uncertainties the Directors believe could
have  the  most  significant  adverse  impact  on  the  Group’s
business. The risks and uncertainties described below are not
intended to be an exhaustive list.

ECONOMIC CONDITIONS 
The  Group’s  results  of  operations  are  affected  by  overall
economic conditions and the level of consumer confidence and
spending in the UK.

A significant number of vehicles are sold with financing and, as
such, a deterioration of the economic conditions in the UK or a
rise in interest rates could lead to a reduction in such finance
offers  and  increased  difficulty  for  customers  to  obtain  such
financing. 

A deterioration in the economic conditions in the UK could also
result in reduced consumer confidence and spending, reduced
demand for products and limitations on the Group’s ability to
increase or maintain its pricing. In addition, governments may
impose taxes and implement other measures to manage the
economic conditions in ways that adversely affect the Group’s
business. Any of the foregoing could have a material adverse
effect  on  the  Group’s  prospects,  results  of  operations  and
referendum  on
financial  condition. The  outcome  of 
23 June 2016 regarding the UK's ongoing membership of the
European  Union  may  give  rise  to  a  period  of  economic
uncertainty  and  could  adversely  impact  the  market  for  the
supply of motor vehicles in the UK in which the Group operates.

VEHICLE MANUFACTURERS
The  Group  depends  on  the  successful  performance  of  its
vehicle manufacturer partners and its continuing relationships
with  them.  In  particular,  it  relies  on  the  availability  of  stock
finance facilities extended by such manufacturers and other
external finance providers. It also benefits from bonuses paid
upon  meeting  sales  targets  and  marketing  incentives
established  by  such  manufacturers  and  external  finance
providers.

Manufacturers’ performance can be affected by factors such
as general economic conditions, disruptions to their business
and reputational risks.

The  Group’s  retail  business  operates  through  franchise
agreements  with  vehicle  manufacturers.  These  franchise
agreements are typically for a length of between two and five
years. At any point in time, therefore, the Group will be in the
process of renewing such agreements, in common with other
franchise  businesses  and 
industry.
Manufacturers may refuse to renew or terminate their franchise
agreements with the Group.

the  wider  motor 

The  loss  of  a  major  franchise  could  result  in  a  significant
reduction in profits due to the inability to source new product or
vehicles  to  sell,  earn  the  manufacturer  volume  bonuses
associated with the targets set by each manufacturer, perform
warranty repairs or carry out warranty repairs.

FLUCTUATIONS IN PRICES IN THE USED CAR MARKET
The  Group’s  financial  performance  may  be  affected  by
fluctuations  in  prices  in  the  used  car  market.  Such  price
fluctuations could impact its retail business as, due to the
nature of its operations, the Group maintains a significant
inventory of used vehicles. Such price fluctuations could also
impact the Group’s leasing business, as it could affect the
residual  value  of  the  vehicles  at  the  end  of  leasing
agreements.  The  Group  operates  a  robust  independent
analysis tool to monitor this area and seek to manage any
exposure should the trend analysis predict it. 

FUNDING STRUCTURE
Liquidity and Credit – One of the Group’s main sources of cash
flows is debt financing. Although credit availability has recovered
from  tighter  access  conditions  during  the  past  global  credit
crunch, a withdrawal of financing facilities or a failure to renew
them as they expire could still lead to a significant reduction in
the trading ability of the Group or the need to dispose of assets.
The other main source of funding for the Group’s operations is
manufacturers’ trade credit, which could also be withdrawn or
its conditions tightened. Should such manufacturer trade credit
be withdrawn management believe the Group would be able to
access alternative sources of funding, however, there can be
no guarantee that any alternative sources of funding could be
obtained on similar terms, therefore this may have an adverse
effect on the Group’s financial performance. 

Interest rates – Fluctuations in interest rates could increase the
cost of borrowing for the Group and have a negative impact on
its financial performance. The majority of the Group’s funding
including the revolving credit facilities (“RCF”), asset backed
finance and vehicle financing, are linked to LIBOR.

Covenants –  The  Group’s  funding  agreements  contain
covenants, the breach of which may trigger default provisions
and  acceleration  of  the  Group’s  obligations.  For  example,
covenants may be breached due to higher debt servicing costs
caused by an increase in interest rates. Covenants may also
restrict the Group’s business and funding decisions.

Working capital – The nature of the Group’s business creates an
inherent liquidity risk. A sudden drop in demand, either within the
wider motor industry or more locally, could impact the Group’s
ability to maintain sufficient cash reserves required to meet the
Group’s working capital requirements. This could impact the
Group’s ability to meet its financial obligations as they fall due. 

Operating margins – In line with other businesses in the motor
industry, the Group’s operating margins may be considered to
be low compared to other industries. A significant portion of the
Group’s operating costs are fixed, including the costs associated
with the running of its national dealer network. These fixed costs

20

238947 MMH AR pp20-pp21  17/03/2016  11:59  Page 21

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

need to be carefully controlled in order to ensure the profitability
of  the  Group  and  the  Directors  believe  they  have  adequate
procedures in place to monitor the Group’s on going profitability.
Were the Group to experience a downturn in sales, these high
fixed costs could put pressure on the Group’s financial resources
and  could  have  an  adverse  effect  on  the  Group’s  business,
prospects, results of operations and financial condition.

RISKS RELATING TO THE GROUP’S STRATEGY
The Group’s strategy focuses on a combination of organic and
acquisitive growth.  The  Group’s  acquisition  strategy  of
acquiring premium and prestige brand franchises faces risks
in terms of the availability, quality and price of such brands and
the ability to fund this acquisitive growth.

Acquisitions  involve  numerous  risks  including  potential
disruption of the Group’s on going business and distraction of
management, difficulty integrating the acquired business and
exposure  to  unknown  and/or  contingent  or  other  liabilities
arising  in  connection  with  the  acquisition.  In  addition,  the
financing of any significant acquisition may result in changes
in the Group’s capital structure, including the incurrence of
additional indebtedness. The Group may not be successful in
addressing these risks or any other problems encountered in
connection with any acquisitions.

REGULATORY COMPLIANCE 
The Group is subject to a regulatory compliance risk which can
arise from a failure to comply fully with the laws, regulations or
codes applicable, for example, those set out by the Financial
Conduct Authority, Trading Standards, Vehicle Operators and
Services Agency (VOSA), local authorities and the manufacturers
we  represent.  Non-compliance  can  lead  to  fines,  enforced
suspension from sales of general insurance products or public
reprimand or, in the extreme, closure of parts of the business.

HEALTH AND SAFETY
The Group’s operations include the maintenance and servicing
of motor vehicles which involves both manual work and the use
of industrial equipment. The Group must therefore comply with
laws  and  regulations  concerning  risk  assessment,  the
management and control of health and safety risks, the safety
of premises, physical locations, equipment,  processes and
systems of work. To mitigate the risk of breach, and in addition
to its own health and safety assessments, the Group engages
third parties to undertake regular inspections of its plant and
equipment  in  accordance  with  statutory  obligations  and  to
assess the safety of the Group’s working environments. 

ENVIRONMENTAL
The  Group  must  comply  with  environmental  laws  and
regulations concerning emissions, waste and waste waters
(including trade effluent), vehicle movements, industrial noise,
energy efficiency, the storage of oil and the control of other
hazardous  substances. Any  breach  of  such  laws  and
regulations could lead to fines, penalties and/or compensation
and could lead to the temporary cessation of business activities
In  addition  to  its  own  internal
at  the  Group’s  premises.
assessments, the Group engages third parties to undertake
inspections of its premises to assess the risk of breach of
environmental laws and regulations.

require 

remediation  under  environmental 

In addition, some of the Group’s premises and former premises
are located on land that, because of contaminants present,
may 
law.
Investigation or remediation may be necessary in the event of
the discovery of contamination in on or under such premises
or in the event of leaks or discharges of hazardous substances
or  other  environmental  incidents.  Such  investigation  or
remediation could give rise to unexpected liabilities and costs
for the Group.

COMPETITION 
The  ‘block  exemption’ regulations  under  EC  law  suspend
normal competition rules to allow motor manufacturers and
distributors  to  operate  specialised  distribution  and  repair
outlets. Any significant change to this position could have an
adverse impact on the Group’s motor franchise operations.

INFORMATION RISK 
The Group is dependent on the efficient and uninterrupted
operation of its information technology and computer systems,
which are vulnerable to damage or interruption from power
loss,  telecommunications  failures,  sabotage,  vandalism  or
similar misconduct. Whilst the Group has put in place insurance
cover, and also contingency and disaster recovery plans, in
order to mitigate the impact of such failures, it can never be
certain  that  these  plans  could  cover  every  eventuality  or
situation or fully recompense every loss.

CYBER SECURITY
Whilst the Group does not complete vehicle sales to customers
via the internet or its websites, it does utilise the internet and
its websites significantly in the marketing of its products and
services,  particularly  used  cars.  In  common  with  other
businesses, the Group is therefore at risk of ‘denial of service’
attacks on its websites which could impact the Group’s trading
performance if its websites are affected for a prolonged period.
In  addition,  the  Group  stores  certain  customer  information
electronically  and  therefore  faces  risks  associated  with
unauthorised access to that data which could have reputational
and/or  regulatory  consequences  for  the  Group.  The  Group
monitors its security policies and processes in order to mitigate
(but not eliminate) the risks associated with cyber security.

STAFF RETENTION
The Group relies on a number of key employees, both in its
management and its operations, with specialised skills and
extensive experience in their respective fields. Any failure by
the  Group  to  recruit,  replace,  retain  or  motivate  suitably
qualified and experienced employees could impact its growth
or its sales performance, increase its wage costs and adversely
affect its business, results of operations and financial condition.

This Strategic Report was approved on behalf of the Board on
16 March 2016.

Mark Raban
Chief Financial Officer

21

238947 MMH AR pp22-pp33  16/03/2016  17:45  Page 22

GOVERNANCE 

Board of  Directors

1

2

3

4

1. Peter Johnson 
Non-Executive Chairman and Chair of  the Nominations Committee
Peter has over 40 years’ experience in the automotive sector, spending 30 years in senior roles in retail and distribution
with the Rover group, Marshall and Inchcape plc where he was Chief Executive between 1999 and 2005. Peter served
on the Bunzl plc board from 2006 to 2015 as its senior independent director and chairman of its remuneration committee.
He also chaired Rank plc from 2007 to 2012 and served on the Wates Group Limited board from 2003 to 2013. Peter
was a non-executive Director of Marshall of Cambridge (Holdings) Limited until Admission.

2. Daksh Gupta 
Chief  Executive Officer
Daksh has over 20 years’ experience in the automotive retail sector and joined the Company in 2008 as its Chief Executive
Officer. Daksh was a franchise director for Inchcape for seven years where he was responsible for the Volkswagen, Audi
and Mercedes-Benz brands. Daksh also served as chief operating officer of Accident Exchange Group plc and prior to
joining the Group was group managing director for Ridgeway Group. Daksh was a director of Marshall of Cambridge
(Holdings) Limited until Admission.

3. Mark Raban
Chief  Financial Officer
Mark has 25 years’ of general retail experience, including three as the finance director of Inchcape Retail Limited. He
spent three years as chief financial officer for the UK and Ireland at Borders Group and was the interim financial director
at Selfridges Retail Limited. Mark has also held senior finance roles at public companies such as Safeway and Burton.
Mark was appointed as Chief Financial Officer of the Company at Admission.

4. Alan Ferguson
Senior Independent Director and Chair of  the Audit Committee
Alan is a non-executive director of Johnson Matthey PLC, Croda International Plc and The Weir Group Plc. He chairs the
audit committees of each of these companies and is the senior independent director of Johnson Matthey. Alan was chief
financial officer and a director of Lonmin Plc until December 2010, prior to which he was group finance director of the
BOC Group plc. Alan spent 22 years in a variety of roles at Inchcape plc, including six years as its group finance director
from 1999. Alan is a chartered accountant and sits on the Business Policy Committee of the Institute of Chartered
Accountants of Scotland.

22

238947 MMH AR pp22-pp33  16/03/2016  17:45  Page 23

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

5. Sarah Dickins
Non-Executive Director and Chair of  the Remuneration Committee
Sarah has over 20 years’ HR experience across a broad range of sectors including retail, utilities and financial services.
She spent 16 years at Asda, five of those years as an operating board member responsible for people operations and
customer service for 150,000 colleagues. Sarah joined Provident Financial Group in 2012 as Executive People Director
before becoming Group People Director at Bourne Leisure Limited in 2015.

6. Christopher Sawyer 
Non-Executive Director
From 1991 to 2006, Christopher led Deltron Electronics plc which was quoted in 1996 and sold to ABACUS Electronics
Plc in 2006. In 2007, Christopher became chairman of the Lorien Limited group. Between 2006 and 2013, he was
chairman of the parent of Bearmach Limited, a global distributor of Land Rover parts. Christopher has been a non-
executive director of Marshall of Cambridge (Holdings) Limited since 2008 and currently chairs its audit committee.
Christopher joined the Company at Admission as a nominated director of Marshall of Cambridge (Holdings) Limited. 

7. Francesca Ecsery 
Non-Executive Director
Francesca has 19 years’ directorship experience in both blue chip companies and start-ups in the digital, retail, fast-
moving consumer goods (FMCG) and leisure industries. She is a Harvard MBA, fluent in five languages and has special
expertise in multi-platform consumer marketing, branding and commercial strategies. Francesca is also non-executive
director of Foreign & Colonial Investment Trust plc, Share plc and Good Energy Group plc, (all of which are listed on AIM
or FTSE) and of VISTA Limited. Her previous executive experience includes McKinsey, PepsiCo, ThornEMI, Thomas
Cook, STA Travel and many other consumer brands. Francesca joined the Company at Admission.

8. Stephen Jones 
Company Secretary
Stephen is a practising Solicitor and spent eight years as a corporate lawyer at Eversheds LLP. He also spent eight years
as group counsel and company secretary at Automotive and Insurance Solutions Group Plc. Stephen joined the Company
shortly before Admission.

5

6

7

8

23

238947 MMH AR pp22-pp33  16/03/2016  17:45  Page 24

GOVERNANCE 

Directors’ Report

The Directors present their annual report on the affairs of the Group, together with the financial statements and independent
auditor’s report, for the year ended 31 December 2015 (the “Year”).

Principal activities
The principal activity of the Company is that of a holding company. The principal activity of its subsidiary undertakings is car and
commercial vehicle sales, leasing, servicing of vehicles and associated activities.

Results and dividends
The results for the Year are set out in the Group income statement. The Directors recommend the payment of a final dividend of
2.40p per ordinary share to be paid on 27 May 2016 to shareholders who are on the Company’s register at close of business on
22 April 2016.

Business Review and Future Developments
The review of the business and likely future developments is included within the Strategic Report. This also includes details of
acquisitions and growth plans for the future.

Going concern
After making appropriate enquiries, the Directors have a reasonable expectation that the Group has adequate resources to
continue in operational existence for the foreseeable future and for at least one year from the date of these financial statements.
For these reasons, they continue to adopt the going concern basis in the preparation of these financial statements.

Directors
Details of the current directors are set out on pages 22 to 23. The directors who served during the Year and subsequently are
detailed below.

Current Directors
Non-Executive Directors
Peter Johnson
Alan Ferguson
Sarah Dickins
Francesca Ecsery
Christopher Sawyer
Executive Directors
Daksh Gupta
Mark Raban 

(Appointed 11 March 2015)
(Appointed 11 March 2015)
(Appointed 25 March 2015)
(Appointed 2 April 2015)

(Appointed 2 April 2015)

Other Directors who held office during the year

Sir Michael Marshall
Robert Marshall
William Dastur
Francis Laud
Christopher Walkinshaw
Peter Cakebread

(Resigned 25 March 2015)
(Resigned 25 March 2015)
(Resigned 25 March 2015)
(Resigned 25 March 2015)
(Resigned 25 March 2015)
(Resigned 2 April 2015)

In  accordance  with  the  Articles  of  Association  of  the  Company  adopted  on  12  March  2015  (the “Articles”),  having  been
appointed since the date of the last annual general meeting of the Company, Alan Ferguson, Sarah Dickins, Francesca Ecsery,
Christopher Sawyer and Mark Raban will each retire by rotation and offer themselves for reappointment at the annual general
meeting to be held on 24 May 2016 (the “AGM”).

The interests of the Directors and their immediate families in the share capital of the Company, along with details of Directors
share options and awards, are contained in the Directors’ Remuneration Report on pages 33 to 40.

Share Capital
The authorised and issued share capital of the Company, together with the details of shares issued during the Year are shown
in Note 25 to the financial statements. The issued share capital of the Company at 31 December 2015 was 77,236,263 ordinary
shares of 64p each.

Substantial Shareholdings
As at 14 March 2016, the Company had been notified of interests in excess of 3 per cent in the Company’s share capital by the
following shareholders:

Name

Number of Ordinary Shares

Marshall of Cambridge (Holdings) Limited

Union Investments and Development Limited

FIL Limited

Schroders plc

Polar Capital LLP

50,390,625

6,375,839

5,300,000

3,907,275

3,087,900

24

Percentage of Existing
Ordinary Shares Held

65.24%

8.25%

6.86%

5.06%

4.00%

238947 MMH AR pp22-pp33  16/03/2016  17:45  Page 25

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Share Option Schemes
Details of employee share option schemes are set out in Note 25 to the consolidated financial statements.

Charitable and Political Donations
During the Year, the Group made the following charitable donations during the year: £49,000 (2014: £12,000).

No political contributions were made during the year (2014: £nil).

Disabled Employees
The Group gives full consideration to applications for employment from disabled persons where the candidate’s particular aptitude
and abilities are consistent with adequately meeting the requirements of the job. Opportunities are available to disabled employees
for training, career development and promotion. Where existing employees become disabled, it is the Group’s policy to provide
continuing employment wherever practicable in the same or an alternative position and to provide appropriate training to achieve
this aim.

Employee Involvement
During the Year the policy of providing employees with information about the Group has been continued through the newsletter
‘Marshall Matters’, team briefings and through our global email network. Regular meetings are held between local management
and employees to allow a free flow of information and ideas. We also participate in the Great Place to Work Institute’s employee
engagement programme. Further details are set out in the Corporate Social Responsibility Section of this Annual Report.

Disclosure of Information to Auditor
In so far as each of the persons who were Directors at the date of approving these financial statements is aware:
•
•

There is no relevant audit information of which the company’s auditor is unaware; and
Each director has taken all steps that they ought to have taken to make themselves aware of any relevant audit information
and to establish that the auditor is aware of that.

Auditor
A resolution to re-appoint Ernst & Young LLP as auditors will be put to the shareholders at the AGM.

AGM
Notice of the AGM to be held on 24 May 2016 is set out at the end of this Annual Report. The Resolutions proposed at the AGM
are summarised as follows:

•

Resolution 1 – Receiving the annual report and accounts for the year ending 31 December 2015 

All quoted companies are required by law to lay their annual accounts before a general meeting of the Company, together
with the directors’ reports and auditors’ report on the accounts. At the AGM, the directors will present these documents to
the shareholders for the financial year ended 31 December 2015.

•

Resolution 2 – Declaration of  dividend

This resolution concerns the Company’s final dividend payment. The directors are recommending a final dividend of 2.40p
per ordinary share in respect of the year ended 31 December 2015 which, if approved, will be payable on 27 May 2016 to
the shareholders on the register of members on 22 April 2016.

•

Resolutions 3 to 7 (inclusive) – Re-appointment of  Directors

Having been appointed since the date of the last annual general meeting of the Company, Alan Ferguson, Sarah Dickins,
Francesca Ecsery, Christopher Sawyer and Mark Raban will each retire by rotation and offer themselves for reappointment
at the AGM in accordance with the Articles.

Resolution 8 – Re-appointment of  Auditors

This resolution concerns the re-appointment of Ernst & Young LLP as auditors until the conclusion of the next general
meeting at which accounts are laid.

Resolution 9 – Auditors’ remuneration
This resolution authorises the Directors to fix the auditors’ remuneration

•

•

By order of the Board

Stephen Jones
Company Secretary
16 March 2016

25

238947 MMH AR pp22-pp33  16/03/2016  17:45  Page 26

GOVERNANCE 

Corporate and Social Responsibility

Colleagues
Committed to attracting, developing and
retaining the best talent to help drive our
business forward in line with our values

marital 
philosophical beliefs, age or disability.

religion  or  other

status, 

We expect all our colleagues to act with
integrity  and  behave  ethically 
in
everything they do. To reinforce this we
have  the  Marshall  Code  of  Conduct
which 
is  supported  by  an  online
programme which forms part of every
new colleague’s induction.

Engaging our people
We  strive  to  ensure  our  employment
policies and practices are consistent with
our values and culture as well as helping
us  to  achieve  our  business  objectives
through engaged people and we use an
external measure to help validate this.

Since 2008 we have used the Great Place
engagement
Institute’s 
to  Work 
programme.  This  has  given  us  the
opportunity  to  seek  feedback  from  our
colleagues each year to ensure high levels
of engagement.  Our scores continue to
build year on year; in 2015 not only did we
increase our own previous scores but we
out-performed the external benchmark in
each category. As a result we were proud
to  be  ranked  26  in  the  Best  Workplace
2015, Large company category.

MARSHALL PEOPLE
Our Values
Everything we do is underpinned by our
values which are woven in to the fabric
of  our  business,  and  are  upheld  by
colleagues.

Recruiting, retaining and 
developing our people
We  have  a  clear  Colleague  Value
Proposition to attract the best talent and
support our strategy to be an employment
destination of choice. We use a range of
tools and assessment methods to ensure
we recruit people who can deliver their
objectives in line with our values.

Every  new  colleague  experiences  a
thorough  induction  programme  which
incorporates  our  history,  values,  aims
and objectives as well as a structured
programme  of  training  and  coaching
relevant to their role, the brand and the
team.

Our dedicated team of HR professionals
support the business, aided by policies
and practices to ensure we provide the
best support, benefits and opportunities
to our colleagues.  

Our  bespoke  Marshall  Learning  &
provides
Development  Academy 

People

Innovation

Recognising that
people are at the
heart of  our success.

Maintaining competitive
edge through innovation
and creativity.

opportunities  for  our  colleagues  to
realise their potential and support their
development  to  ensure  they  have  a
fulfilling career with us.

Recognising our people
recognition  programmes  are
Our 
designed  to  support  our  colleague
engagement 
These
programmes include overseas incentive
trips, long service awards and awards
for demonstrating our values.

agenda. 

Our  MAVTA  programme 
(Marshall
Achievement,  Values  and  Teamwork
Awards)  recognises  colleagues  who
demonstrate outstanding achievements in
Customer 
Teamwork,
Service, 
Innovation, Leadership, Services in the
Community,  Business  Excellence  and
Environmental.

to  maintaining 

Communicating with our people
We  believe  that  communication  is  the
colleague
key 
engagement and our employment brand.
We have an ethos of transparency and
sharing  news  on  a  regular  basis
including CEO communications, weekly
bulletins,  our  Colleague  magazine,
intranet and regular team meetings.

Diversity and our people
We are committed to encouraging diversity
and ensuring that discrimination has no
place  in  our  business.  We  want  every
colleague  to  feel  respected  and  able  to
perform to the best of their ability. We do
not make assumptions about a person’s
ability to carry out his or her duties based
on ethnic origin, gender, sexual orientation,

Integrity

Customers

Upholding the
highest standards of
integrity and fairness.

Putting our
customers
above all else.

Great Place to Work –                                                                                                              2015 UK Best
Trust Index Scores                          MMH 2015                             MMH 2014              Workplaces, Large
Credibility                                                      84%                                        82%                                        80%
Respect                                                        82%                                        80%                                        79%
Fairness                                                        83%                                        79%                                        78%
Pride                                                              84%                                        82%                                        81%
Camaraderie                                                86%                                        83%                                        83%
Overall Trust Index Score                            83%                                        81%                                        80%

26

                                                                                                                                                                            
238947 MMH AR pp22-pp33  16/03/2016  17:45  Page 27

MARSHALL MAKING A
DIFFERENCE
As 
business,
a 
encouraging our colleagues to make a
difference  is important  to  us  and  our
culture.

values 

based 

We focus on creating  an  environment
where colleagues enjoy coming to work
and contribute to meeting our business
objectives. We believe that highly engaged
colleagues deliver enhanced performance
and that it is important to give back to our
communities and good causes.

Group Giving
We are actively involved in supporting and
raising awareness for BEN – Motor and
Allied Trades Benevolent Fund.  BEN is
the UK’s dedicated charity for those who
work, or have worked, in the automotive
and  related  industries,  as  well  as  their
dependants. Our CEO is a trustee and
current Vice President of BEN.

the  past  16  years  we  have
For 
supported 
the  Macmillan  Coffee
Mornings which enables our businesses
to get involved at a local level, bringing
colleagues and customers together. 

We also support national initiatives such
as Red Nose Day, Children in Need and
Wear it Pink for Breast Cancer.

Local Giving
We encourage  our  colleagues  to  get
involved with local causes which support
the  communities  in  which  they  work.
By way of example:
•

Our  team  at  Grimsby  BMW  Bikes
recently took part in a local Motorbike
Run  to  raise  money  for  their  local
children’s hospice, St Andrews,
• Our  Blackpool  Mercedes-Benz
team sponsored their local fun run
in aid of their local RNLI at Lytham,
• Our  Bedford  Land  Rover  team
organised  a  football  match  with
Cambridge  Land  Rover for  their
local Sue Ryder St John’s Hospice.

MARSHALL EMBRACING SAFETY
We seek to adopt a consistent approach
to health and safety for all work activities
across our business.

Our Health and Safety policy gives clear
lines  of  responsibility  and  is  reviewed
regularly to promote high standards of
health, safety and welfare to meet our
legal responsibilities.

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Community
Striving to have a positive impact on the
communities in which we serve

Health & Safety
Making Health & Safety an integral part of
Marshall’s day to day operation

A  Health  &  Safety  newsletter 
is
published monthly highlighting relevant
information 
to
communicate and bring to their attention
any  issues  or  concerns  that  relate  to
their health, safety and welfare.

to our  colleagues

Our Health,  Safety  &  Environmental
Department aims to provide support and
direction  to  all  sites by  reviewing  the
policies and procedures, supporting and
advising 
fulfil
managers 
responsibilities. They coordinate training
for first aiders; fire marshall’s and risk
assessors  as  required,  as  well  as
monitoring, reporting and investigating
of all incidents.

to 

Health and Safety Statistics in 2015

Number of fatalities                                      0

Major injuries reported 
under RIDDOR*                                          14

Dangerous occurrences reported 
under RIDDOR*                                            0

Number of enforcement notices 
issued by HSE                                              0

Number of prohibition notices 
issued by HSE                                              0

*Reporting of Injuries, Dangerous
Occurrences Regulations 2013

Environmental
Embracing our environmental responsibilities

MARSHALL GOING GREEN
introduced
We
LEAF
Marshall 
(Lowering Energy
to Aid the Future)
in the Year, as part
of our aim to lower the impact we have
on the environment.

In line with Energy Saving Opportunity
Scheme  (ESOS), we  are  currently
undertaking an audit of our energy usage
energy  saving
to 
measures. Our objective is to reduce our
energy usage by 10%.

identify

future

In line with our regulatory responsibilities,
arrangements are in place for the safe
disposal of displaced fluids, scrap metal,
parts and related waste products.

All dealerships which required a permit for
the  operation  of  a  vehicle  refinishing
installation  under  the  Environmental
Permitting 
&  Wales)
(England 
Regulations 2007 have achieved this. On-
going monitoring is in place to ensure we
remain compliant with the permit issued.

We also have recycling initiatives in every
site for more general waste such as ink
cartridges, batteries and paper.

27

238947 MMH AR pp22-pp33  16/03/2016  17:45  Page 28

GOVERNANCE 

Corporate Governance

PRINCIPLES OF CORPORATE GOVERNANCE
The Board recognises that applying sound governance principles in the running of the Group is essential. The Company is listed
on AIM and is therefore not required to comply with the UK Corporate Governance Code. However, in recognising the value and
importance of high standards of corporate governance the Company has, since Admission, adopted the QCA Corporate
Governance Code for Small and Mid-Size Quoted Companies so far as it is practicable having regard for the size and nature of
the Group.

An explanation of how these principles have been applied since Admission is set out below.

THE BOARD
The table below sets out details of all directors who have served since Admission and their membership of Board Committees.
This includes details of each member’s attendance at the seven board meetings during the Year since Admission. There are
separate attendance statements in respect of the Audit and Remuneration Committees on pages 32 and 34.

Director

Date appointed

Role

Committees

(C = current chair)

Board

attendance

Peter Johnson

27 June 2014 

Non-Executive Chairman

Nomination Committee (C)

Alan Ferguson

11 March 2015

Senior Independent Director

Francesca Ecsery

25 March 2015

Independent Non-Executive

Sarah Dickins

11 March 2015

Independent Non-Executive

Christopher Sawyer* 2 April 2015

Non-Executive 

Audit Committee (C)
Remuneration Committee
Nomination Committee

Audit Committee
Remuneration Committee
Nomination Committee

Audit Committee
Remuneration Committee (C)
Nominations Committee

Audit Committee
Remuneration Committee
Nomination Committee

Daksh Gupta

1 October 2008

Chief Executive Officer

Mark Raban

2 April 2015

Chief Financial Officer 

n/a

n/a

*Christopher Sawyer is a nominated director of  Marshall of  Cambridge (Holdings) Limited.

7/7

7/7

7/7

7/7

7/7

7/7

7/7

Board decisions are generally on matters of strategy (including acquisitions), policy, people, performance, budgets and significant
capital expenditure. Each director receives information on matters to be discussed (including Board reports from the Chief
Executive, Chief Financial Officer and Company Secretary) in advance of each Board meeting to ensure that there is a full debate
at Board level and in particular so that the non-executive directors can contribute fully.

The Board has formally reserved specific matters for its determination and has approved terms of reference for all Board
Committees. 

All directors have access to independent professional advice, if they have the need to seek it. There is an induction process for
new directors and training is available when required.

28

238947 MMH AR pp22-pp33  16/03/2016  17:45  Page 29

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Chairman, Chief Executive Officer and Senior Independent Director
Peter Johnson is Non-Executive Chairman and the Chief Executive Officer is Daksh Gupta. There is a formal division of
responsibilities between the Chairman and the Chief Executive Officer. The Senior Independent Director is Alan Ferguson.

Board balance
The Company currently has seven directors, of which three are independent non-executives. 

Under the terms of a Relationship Agreement with Marshall of Cambridge (Holdings) Limited (“MCHL”) (details of which are set
out below), MCHL is entitled to appoint two of its nominated directors to the Board, so long as it holds 30% or more of the
Company’s ordinary shares. Since Admission, MCHL has appointed one of its nominated directors, being Christopher Sawyer.

Performance evaluation
The Board and its Committees have not conducted a formal internal performance evaluation since Admission but intends to do
so in 2016. In addition the non-executive directors intend to meet without the presence of executive directors, during which the
performance of executive directors will be assessed and without the presence of the Chairman (to assess the performance of
the Chairman).

Re-election
In accordance with the Company’s Articles, having been appointed since the date of the last annual general meeting of the
Company, Alan Ferguson, Sarah Dickins, Francesca Ecsery, Christopher Sawyer and Mark Raban will each retire by rotation
and offer themselves for reappointment at the AGM.

BOARD COMMITTEES
Nomination Committee
The Company has established a Nomination Committee which comprises Peter Johnson (Chair of the Committee), Alan Ferguson,
Sarah Dickins, Francesca Ecsery and Christopher Sawyer. 

The Nomination Committee is responsible for reviewing the structure, size and composition of the Board, preparing a description
of the role and capabilities required for a particular appointment and identifying and nominating candidates to fill Board positions
as and when they arise. 

The Nomination Committee will meet annually or at such other times as may be necessary. In light of the board appointments
made in connection with Admission, the Nomination Committee did not meet during the Year since Admission.

Remuneration Committee
The  Company  has  established  a  Remuneration  Committee  which  comprises  Sarah  Dickins  (Chair  of  the Committee)
Alan Ferguson, Francesca Ecsery and Christopher Sawyer.

Further information on the Remuneration Committee is set out on pages 33 to 40.

Audit Committee
The Company has established an Audit Committee, which comprises Alan Ferguson (Chair of the Committee), Sarah Dickins,
Francesca Ecsery and Christopher Sawyer. 

Further information on the Audit Committee is set out on pages 31 to 32.

29

238947 MMH AR pp22-pp33  16/03/2016  17:45  Page 30

GOVERNANCE 

RELATIONS WITH SHAREHOLDERS
The Group is committed to maintaining good relations with all its shareholders through the provision of Interim and Annual Reports,
other trading statements and the Annual General Meeting. The Company also meets with its institutional shareholders regularly.

In light of MCHL’s aggregate shareholding in the Company, on Admission the Company entered into the Relationship Agreement
with MCHL in order to regulate the relationship between MCHL and the Company and enable the Company to act independently
of MCHL and its affiliates. Under the terms of this agreement MCHL has the right, for so long as it owns 30% or more of the
Ordinary Shares in the capital of the Company, to appoint two directors to the Board and one director to each of the committees
of the Board, including the Audit, Remuneration and Nomination Committee. The Relationship Agreement will terminate in the
event that MCHL ceases to own 30% or more of the ordinary shares in the capital of the Company.

Further details of the Relationship Agreement can be found in the Company’s AIM Admission Document which is available on
the Company’s website at www.mmhplc.com.

ANNUAL GENERAL MEETING
The Annual General Meeting provides an opportunity for all shareholders to be updated on the Group’s progress and ask
questions of the Board.

FINANCIAL REPORTING
The Board has ultimate responsibility for both the preparation of accounts and the monitoring of systems of internal financial
control. The Board seeks to present a fair, balanced and understandable assessment of the Group’s position and its prospects
and present price-sensitive information in an appropriate way.

INTERNAL CONTROL
The Board has ultimate responsibility for the Group’s system of internal control and for reviewing its effectiveness. However, any
such system of internal control can provide only reasonable but not absolute, assurance against material misstatement or loss.
The Board considers that the internal controls in place are appropriate for the size, complexity and risk profile of the Group.

The principal elements of the Group’s internal control system include:

• management of the day to day activities of the Group by the executive directors, aided by the Group’s bespoke management

information system, Phoenix;

an organisational structure with defined levels of responsibility;

a forecasting process at each quarter end;

an annual budgeting process which is approved by the Board;

detailed weekly and monthly reporting of performance against budget and the prior year using Cognos;

central control over key areas such as capital expenditure authorisation, contracts and financing facilities;

formal accounting policies and procedures which are regularly reviewed and publicised in the business; and

an internal audit department which monitors compliance of Company processes and procedures and whose programme of
work is overseen by the Audit Committee.

•

•

•

•

•

•

•

The Group continues to review its system of internal control to ensure compliance with best practice, whilst also having regard
to its size and the resources available.

The principal risks and uncertainties identified by the Board are set out on pages 20 to 21.

By order of the Board
Stephen Jones
Company Secretary
16 March 2016 

30

238947 MMH AR pp22-pp33  16/03/2016  17:45  Page 31

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Audit Committee Report

•

review arrangements for employees
to  raise  concerns,  in  confidence,
about  possible  wrongdoing 
in
financial reporting or other matters;

• monitor 

and 

review 

the
effectiveness  of  the internal  audit
function,  review  and  approve  the
internal  audit  function’s  planned
work  and  meet  privately  with  the
head  of  internal  audit  without  the
presence of management; and

• make  recommendations 

to 

the
Board in relation to the appointment
of the external auditor and oversee
the  relationship  with  the  external
auditor
including  audit  quality,
effectiveness and fees.

The Audit Committee’s responsibilities,
its procedures and its authority are set
terms  of  reference
formal 
out 
approved by the Board.

in 

Audit Committee Meetings
The  Audit  Committee  has an  annual
agenda of matters to be considered and
is  scheduled  to  meet  four  times  each
year  and  at  any  other  time  when  it  is
appropriate  to  consider  and  discuss
audit and accounting related issues.

Audit Committee meetings are attended
(at  the  discretion  and  invitation  of  the
Committee’s  Chair),  by  the  Chairman,
executive directors, head of internal audit
and representatives of the Company’s
external auditor.

Alan Ferguson
Senior Independent Director
and Chair of the Audit Committee

Audit Committee Members
The  Company’s Audit  Committee  was
established 
and
comprises Alan Ferguson (Chair of the
Committee), Sarah Dickins, Francesca
Ecsery and Christopher Sawyer. 

on  Admission 

the  exception  of  Christopher
With 
Sawyer 
(given  his  position  as  a
nominated  director  of  MCHL),  all
members  of  the  Audit  Committee  are
considered to be independent.

It is considered that the Audit Committee
possesses  the  necessary  skills  and
experience  to  fulfil  its  responsibilities
effectively with  its  members, through
their other business activities, having a
wide range of financial and commercial
expertise. In  particular,  as  set  out  on
pages 22 and 23, the Chair of the Audit
Committee,  Alan  Ferguson, was an
experienced Finance Director who has
served  on  the  boards  of  a  number  of
large 
throughout  his
executive career. He is the current chair
of  the  audit  committees  of  Johnson
Matthey Plc, Croda International Plc and
The Weir Group Plc.

companies 

Audit Committee Responsibilities

The  Audit  Committee’s  principal
responsibilities are to:

• monitor the integrity of the financial
statements (including its annual and
interim reports, interim management
statements  preliminary 
results’
announcements  and  any  other
formal announcement relating to its
financial performance);

•

•

review significant financial reporting
issues and judgments;

keep under review the effectiveness
risk
internal  controls  and 
of
management systems;

31

238947 MMH AR pp22-pp33  16/03/2016  17:45  Page 32

GOVERNANCE

During  the  Year  since  Admission,  the
Audit  Committee  met  formally  three
times,  each  member’s attendance  at
those meetings being set out below:

Committee 
Member

Role

Attendance
record

Alan 
Ferguson

Chair of the 
Committee

Sarah 
Dickins

Non-Executive
Director

Francesca 
Ecsery

Non-Executive
Director

Christopher  Non-Executive
Sawyer

Director

3/3

3/3

3/3

3/3

Between  the  end  of  the  Year  and  the
date of this report there was a further
meeting of the Audit Committee which
was attended by all members.

Activities during the period
During the period since Admission to the
date of this report, the Audit Committee
has:

•

•

•

•

reviewed its terms of reference and
adopted  an  annual  agenda  of
matters to be considered by it;

reviewed the public announcements
relating  to  its  financial  position
including the accounting issues, key
accounting  judgments and  going
concern assessment in connection
with  the preliminary  and  interim
results announcements;

approved 

and 
to 

an
reviewed 
the  Company’s
amendment 
policy  with 
the
depreciation of freehold buildings,
and with regard to intangible assets;

regard 

to 

for  2015, 

reviewed  and  after  challenge,
approved the external auditor’s audit
plan 
their
proposed  fee  and  statement  of
Audit
independence. 
Committee also reviewed the quality
the  external  audit  and
of 

including 

The 

•

•

•

•

recommended the re-appointment
of the external auditor.

agreed  a  plan  to  appoint  a  new
external audit partner for 2016 and
monitored  progress  against  that
plan;

approved  the  programme  of  work
for the internal audit department in
2015 and considered the output of
that  work.  In  addition,  it  approved
the internal audit plan for 2016; 

considered  the risk  management
process and set a timetable for the
on going review of its effectiveness;
and

reviewed 
Company’s
the 
arrangements to enable employees
to  raise  concerns  about  possible
improprieties confidentially including
independent
the  use  of  an 
organisation 
a
provide 
to 
confidential ‘whistleblowers’ hotline.

The  Committee  receives  reports  from
executive  directors  and  also  receives
reports from, and periodically meets with
the  external  auditor  and  the  head  of
internal  audit
the  absence  of
management. In  addition,  the  chair  of
the Audit Committee also meets with the
external and internal auditor outside of
the formal meetings.

in 

Alan Ferguson
Chair of the Audit Committee
16 March 2016

32

238947 MMH AR pp22-pp33  16/03/2016  17:45  Page 33

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Remuneration Committee Report

Sarah Dickins
Non-Executive Director 
and Chair of the 
Remuneration Committee

ANNUAL STATEMENT FROM THE
CHAIR OF THE REMUNERATION
COMMITTEE
I am pleased to present, on behalf of the
Board, the Remuneration Committee’s
(the “Committee”)  first  Remuneration
Report  following Admission  providing
details  of  the  remuneration  of  the
Directors  for  the  financial  year  ending
31 December  2015  and  of  our
remuneration policy and principles.

full 

review  of 

Remuneration policy
A 
the  Company’s
remuneration policy and principles was
undertaken  prior  to Admission.  A  key
objective of this review was to ensure that
an appropriate remuneration policy was
in place for an AIM listed company, taking
into account current regulation and best
practice in main market listed companies.

Remuneration outcomes for the
period to 31 December 2015
For the year under review base salaries,
annual bonus targets and Performance
Share Plan (“PSP”) opportunities for both
Daksh Gupta and Mark Raban were set
on Admission.

Annual bonus opportunities are based
on  the  achievement  of  profit  after  tax
(“PAT”) targets. Following a successful
year with revenue growth of 13.5% and
adjusted  profit  before  tax growth  of
21.4% bonuses of 125% of basic salary
and  100%  of  basic  salary  have  been
awarded  to  the Chief  Executive  and
Chief  Financial  Officer  respectively
respect  of  profit-related  bonus  for  the
twelve 
ended
31 December 2015.

month 

period 

(“EPS”) 

The Executive Directors received an IPO
Award under the Company's new PSP,
which was adopted on Admission. The
majority of the IPO Awards are subject
to demanding three year earnings per
(the “IPO
share 
Performance Awards”), with 50% of the
IPO Performance Awards vesting on the
third anniversary of Admission and the
remaining  50%  vesting  on  the  fourth
anniversary  of  Admission.  In  addition,
IPO  Awards  without  performance

targets 

33

conditions 
(“IPO  Restricted  Share
Awards”) were granted to the Executive
Directors  subject  only  to  continuing
employment. These awards vest in three
equal tranches on the first, second and
third anniversaries of Admission.

Key remuneration decisions for the
year to 31 December 2016
The Committee has considered carefully
the remuneration packages for the Chief
Executive  Officer  and  Chief  Financial
Officer.

The Committee reviewed salaries in the
year and concluded that the salaries set
at  Admission remain  appropriate.  The
maximum annual bonus potential will be
125% of salary for the CEO and 100%
of salary for the CFO.  The bonus plan
will continue to be based on PAT targets
set in line with the financial plan.

The Committee intends to make awards
in the year under the PSP subject to a
maximum of 125% of salary in respect
of the Chief Executive Officer and 100%
of  salary  in  respect  of  the  Chief
Financial Officer. Vesting will be subject
to the achievement of demanding three-
year EPS targets. Any shares awarded
this year to Executive Directors that vest
under the PSP must be retained for a
further year before they can be sold.

Conclusion
The directors’ remuneration policy which
follows this annual statement sets out the
Committee’s principles on remuneration
for the future and the annual report on
remuneration  provides  details  of
remuneration  for  the  period  ended
31 December 2015. The Committee will
continue  to  be  mindful  of  shareholder
views and interests, and we believe that
the  Directors’  remuneration  policy  is
aligned  with  the  achievement  of  the
Company’s business objectives.

By order of the Board

Sarah Dickins
Chair of Remuneration Committee
16 March 2016

238947 MMH AR pp34-pp41  16/03/2016  17:47  Page 34

GOVERNANCE

Directors’ Remuneration Report

REMUNERATION GOVERNANCE
Throughout the period from Admission to 31 December 2015, the Committee comprised three independent Non-Executive
Directors: Sarah Dickins (Chair of the Committee), Alan Ferguson, Francesca Ecsery alongside Christopher Sawyer who is
an appointed representative of MCHL.

The table below sets out each member’s attendance record at Committee meetings during the financial year.

Committee member                                                                           Role                                                                                  Attendance record
Sarah Dickins                                                                                       Chair of the Committee                                                                               2/2
Alan Ferguson                                                                                      Non-Executive Director                                                                                2/2
Francesca Ecsery                                                                                Non-Executive Director                                                                                2/2
Christopher Sawyer                                                                              Non-Executive Director                                                                                2/2

Between the end of the Year and the date of this report there have been a further two meetings of the committee which was
attended by all members of the Remuneration Committee:

The Chair, members of the management team, as well as the Committee’s advisers, are invited to attend meetings as appropriate,
unless there is any potential conflict of interest.

The Remuneration Committee: responsibilities
The terms of reference of the Committee cover such issues as: committee membership; frequency of meetings; quorum
requirements; and the right to attend meetings. In addition, the Committee has responsibility for, amongst other things:

• making recommendations to the Board on the Company’s policy on remuneration for the Group;

•

•

•

determining and monitoring specific remuneration packages for the Chairman, each of the Executive Directors and certain
senior management in the Group, including pension rights and any compensation payments;

recommending and monitoring the level and structure of remuneration for senior management; and

recommending and overseeing the implementation of share related schemes, including scheme grants.

The Board remains responsible for the approval and implementation of any recommendations made by the Committee. The
remuneration  of  Non-Executive  Directors  other  than  the  Chairman  is  determined  by  the  Chairman  of  the  Board  and  the
Executive Directors.

The Committee’s advisers
The Committee has engaged the external advisers listed below to assist it in meeting its responsibilities:

•

•

New Bridge Street (“NBS”), part of Aon plc, has been appointed as independent advisers to the Committee and provided
advice encompassing all elements of our remuneration packages. NBS are a signatory to the Remuneration Consultants’
Code of Conduct, and the Committee is satisfied that the advice that it receives is objective and independent. 

During the year, the Company also received advice relating to remuneration from Dentons UKMEA LLP on tax and legal
matters respectively, in connection with the Admission.

34

238947 MMH AR pp34-pp41  16/03/2016  17:47  Page 35

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

REMUNERATION POLICY
The overall aim of our remuneration policy is to provide appropriate incentives that reflect the Group’s performance culture and
values, through a number of specific remuneration components (detailed in the table on the following pages). In summary, we
aim to:

•

•

•

•

attract, retain and motivate high calibre senior management and to focus them on the delivery of the Group’s strategic and
business objectives;

set base pay having had due regard to appropriate mid-market benchmarks with incentive pay structured so that top quartile
pay can be achieved for top quartile performance;

be simple and understandable, both externally and to colleagues; and

achieve consistency of approach across the senior management population to the extent appropriate.

In determining the practical application of the policy, the Committee considers a range of internal and external factors, including
pay and conditions for employees generally, shareholder feedback, and appropriate market comparisons with remuneration
practices in FTSE-listed, AIM-listed and other automotive-based companies.

The Committee is satisfied that this policy successfully aligns the interests of Executive Directors, senior managers, and other
employees with the long-term interests of shareholders, by ensuring that an appropriate proportion of total remuneration is directly
linked to the Group’s performance over both the short and the long term.

35

238947 MMH AR pp34-pp41  16/03/2016  17:47  Page 36

GOVERNANCE

Future policy table
The main elements of the remuneration package of Executive Directors are set out below:

Purpose and link to 
strategy

BASIC SALARY

Operation

Maximum opportunity

Performance metrics

Attract and retain high calibre
Executive Directors to deliver
strategy

Paid  in  12  equal  monthly
instalments during the year

None

Reviewed annually to reflect role,
responsibility and performance
of the individual and the Group,
and to take into account rates of
pay  for  comparable  roles  in
companies.  When
similar 
the
selecting  comparators, 
Committee has regard to, inter
alia, 
revenue,
profitability,  market  worth  and
business  sector.  There  is  no
prescribed maximum increase.
Annual rates are set out in the
annual report on remuneration
for  the  current  year  and  the
following year

the  Group’s 

ANNUAL BONUS

Incentivises achievement of
by
business 
providing 
for
performance against annual
financial targets

objectives 
reward 

Paid in cash after the end of
the  financial  year  to  which  it
relates.

Recovery  and  withholding
provisions apply

is 

the  policy  of 

It 
the
committee  to  cap  maximum
annual bonuses. The levels of
such  caps  are 
reviewed
annually  and  are  set  at  an
appropriate  percentage  of
annual  salary.  Currently  the
maximum bonus is 125% of
base salary in respect of the
Chief  Executive  Officer  and
100% in respect of the Chief
Financial Officer

LONG-TERM INCENTIVES – MMH PERFORMANCE SHARE PLAN

Alignment  of  interests  with
shareholders  by  providing
long-term incentives designed
to  incentivise  and  recognise
execution  of  the  business
strategy over the longer-term

Grant  of  £nil  cost  options
under 
the  PSP.  Options
normally  vest  3  years  from
grant 
the
achievement of performance
and continued employment

subject 

to 

A  12  months  post-vesting
holding  period  applies 
for
awards made from 2016

150%  of  base  salary  (up  to
200%  of  base  salary 
in
exceptional circumstances) in
any financial year

Current award levels are set in
the  Annual  Report  on
Remuneration

Performance 
is  normally
measured  over  one  year,
based  solely  on 
financial
targets (e.g. profit after tax)

The Committee sets threshold
and maximum targets on an
annual basis

threshold 

A  sliding  scale  operates
between 
and
maximum  performance.  No
bonus 
is  payable  where
performance  is  below  the
threshold

Payment  of  any  bonus  is
subject to overriding discretion
of the Committee

Vesting is subject to continuous
employment and targets linked
to the strategy of the business.
Current  targets  are  based  on
in
achievement  of  growth 
earnings  per  share,  but  the
Committee  may  vary 
the
targets, 25% vests for achieving
threshold performance, 100%
vests  for  achieving  maximum
performance

36

238947 MMH AR pp34-pp41  16/03/2016  17:47  Page 37

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Purpose and link to 
strategy

Operation

Maximum opportunity

Performance metrics

LONG-TERM INCENTIVES – MMH PERFORMANCE SHARE PLAN (CONTINUED)

dividend 

A 
provision applies

equivalent

Recovery  and  withholding
provisions  apply  at 
the
discretion  of  the  Committee
within three years of vesting

Currently  these  consist  of
holiday  entitlement,  health
insurance, 
life  assurance
premiums, income protection
insurance.  The  Committee
reviews  the  level  of   benefit
provision  from  time  to  time
and has the flexibility to add or
remove  benefits  to  reflect
changes in market practices
or  the  operational  needs  of
the Group

All  Executive  Directors  are
entitled  to  participate  in  the
Company’s defined contribution
pension scheme or to receive a
cash  allowance  in  lieu  of
pension  contributions.  Only
base salary is pensionable

BENEFITS

Provide  benefits  consistent
with role and in support of the
personal health and wellbeing
of employees

PENSION

Attract  and  retain  Executive
Directors for the long term by
providing 
for
retirement

funding 

The cost of providing benefits
is borne by the Company and
varies from time to time

None

None 

of 

base 
The 

The Chief Executive receives a
salary
16% 
contribution. 
Chief
Financial Officer participates in
defined
the  Company’s 
contribution  pension  scheme
whereby the Company makes
an  8%  of  base  salary
contribution,  conditional  upon
the  Chief  Financial  Officer
making a matched contribution
of 8%

SHARE OWNERSHIP GUIDELINES 

Increase  alignment  between
the  Executive  Directors  and
shareholders

Executive  Directors 
are
expected to retain 50% of the
net of tax vested PSP shares
until the guideline level is met. 

NON-EXECUTIVE DIRECTOR FEES (“NED”)

At least 100% of base salary
for Executive Directors

None  

To attract NEDs who have a
broad  range  of  experience
and  skills  to  oversee  the
implementation 
our
strategy

of 

NED fees are determined by
the  Board (excluding  NEDs)
within the limits set out in the
Articles  of  Association and
are paid in 12 equal monthly
instalments during the year

report 

Annual  rate  set  out  in  the
annual 
on
remuneration  for  the  current
year and the following year. No
prescribed maximum annual
increase

None 

37

238947 MMH AR pp34-pp41  16/03/2016  17:47  Page 38

GOVERNANCE

Directors’ service contracts, notice periods and termination payments

Provision

Details

Notice periods in Executive Directors’
service contracts

Maximum of 12 months by Company or Executive Director.
Executive Directors may be required to work during the notice period.

Compensation for loss of office

In the event of termination, service contracts provide for payments of base salary,
pension and benefits only over the notice period.

Treatment of annual bonus on
termination

Treatment of unvested PSP awards

Outside appointments

There is no contractual right to any bonus payment in the event of termination
although in certain "good leaver" circumstances the Remuneration Committee
may exercise its discretion to pay a bonus for the period of employment and
based on performance assessed after the end of the financial year.

The default treatment for any Ordinary Share-based entitlements under the PSP
is that any outstanding awards lapse on cessation of employment. However, in
certain prescribed circumstances, or at the discretion of the Committee “good
leaver” status can be applied. In these circumstances a participant’s awards vest
subject to the satisfaction of the relevant performance criteria and, ordinarily, on a
time pro-rata basis, with the balance of the awards lapsing.

Other directorships are permitted with prior agreement
Daksh Gupta is a director of BEN - Motor and Allied Trades Benevolent Fund.
Mark Raban is a director of Precise Finance Limited. Precise Finance Limited is
the company owned by Mr Raban and used to provide consultancy services
prior to his appointment to Marshall Motor Holdings plc.

Non-executive directors

All Non-Executives are subject to re-election every three years. No compensation
payable if required to stand down

In the event of the negotiation of a compromise or settlement agreement between the Company and a departing Director, the
Committee may make payments it considers reasonable in settlement of potential legal claims. Such payments may also include
reasonable reimbursement of professional fees in connection with such agreements.

The Committee may also include the reimbursement of fees for professional or outplacement advice in the termination package,
if it considers it reasonable to do so. It may also allow the continuation of benefits for a limited period.

Dates of appointment

DIRECTOR

Peter Johnson

Daksh Gupta

Mark Raban

Alan Ferguson

Sarah Dickins

Francesca Ecsery

Date of appointment

27 June 2014

1 October 2008

2 April 2015

11 March 2015

11 March 2015

25 March 2015

Christopher Sawyer

2 April 2015 

Copies of Directors’ service contracts and letters of appointment are available for inspection at the Company’s registered office.

38

238947 MMH AR pp34-pp41  16/03/2016  17:47  Page 39

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Annual Report on Remuneration

Prior to Admission, the cost of Directors services was met by a management charge to the parent company, Marshall of
Cambridge (Holdings) Limited. The management charge in 2015 was £1,127,000 inclusive of £656,000 in respect of historic
LTIP liabilities for the highest paid director which crystallised when the Company’s shares were admitted to AIM (2014: £1,818,000).

The remuneration of the Directors for the period from Admission to 31 December 2015 is as follows:

Basic
salary
£’000

298

187

485

-

-

-

-

-

-

Executive Directors

Daksh Gupta

Mark Raban

Total

Non-Executive Directors

Peter Johnson

Alan Ferguson

Sarah Dickins

Francesca Ecsery

Christopher Sawyer

Total

Aggregate directors

emoluments

485

Fees
£’000

Benefits
£’000

Pension
£’000

Annual
bonuses*
£’000

Long term 
incentives
£’000

-

-

-

97

37

34

30

30

228

228

14

3

17

-

-

-

-

-

-

50

14

64

-

-

-

-

-

-

500

250

750

-

-

-

-

-

-

17

64

750

-

-

-

-

-

-

-

-

-

-

Total
£’000

862

454

1,316

97

37

34

30

30

228

1,544

The benefits above include items such as medical cover, life assurance premiums and income protection insurance.

* As described on page 33 annual bonuses are presented for the year as a whole and have been awarded in respect of the 12 month period ended
31 December 2015.

Directors’ IPO Awards
The aggregate awards made on Admission are set out below:

Daksh Gupta

Mark Raban

Number at
1 January 2015

Lapsed
in Year

-

-

-

-

Granted
in Year

1,073,824

335,570

Number at
31 December 2015

1,073,824

335,570

Details of the IPO Awards granted during the year are as follows:

Scheme

Date of
grant

Earliest
exercise
date

Exercise
price
(pence)

Daksh Gupta

IPO Performance Award

2 April 2015

2 April 2018

IPO Restricted Share Award

2 April 2015

2 April 2016

Mark Raban

IPO Performance Award

2 April 2015

2 April 2018

IPO Restricted Share Award

2 April 2015

2 April 2016

Nil

Nil

Nil

Nil

Market
value on
date of
grant
(pence)

149.0

149.0

149.0

149.0

Number of
options
granted

671,140

402,684

268,456

67,114

The  performance  condition  applying  to  each  IPO  Performance  Award  is  explained  in  Note  25  to  the  Consolidated
Financial Statements.

39

238947 MMH AR pp34-pp41  16/03/2016  17:47  Page 40

GOVERNANCE

Statement of directors’ shareholding
Our Executive Directors are expected to build up and maintain a 100% of salary shareholding in the Company and are expected
to retain 50% of the net of tax vested PSP shares until the guideline level is met. The Directors who held office at 31 December
2015 and their connected persons had interests in the issued share capital of the Company as at 31 December 2015 as follows:

Peter Johnson

Daksh Gupta

Mark Raban

Alan Ferguson

Sarah Dickins

Francesca Ecsery

Christopher Sawyer

Number of 
ordinary shares  
beneficially held

on admission Acquisitions 
/disposals

(02/04/15) 

134,228

671,140

33,557

33,557

6,711

2,013

16,100

22,370

5,798

-

-

-

Number of 
ordinary 
shares
beneficially
held as at
31/12/15

150,328

693,510

39,355

33,557

6,711

2,013

134,228

80,270

214,498

Outstanding 
PSP awards

-

1,073,824

335,570

-

-

-

-

No share options were vested but unexercised as at 31 December 2015.

The middle market price of the shares as at 31 December 2015 was 184.5p and the range during the financial period since
flotation was 161.5p to 192.0p.

Implementation of remuneration policy for the year ending 31 December 2016
The annual salaries and fees to be paid to directors in the year ending 31 December 2016 are set out below, together with any
increase expressed as a percentage.

Peter Johnson

Daksh Gupta

Mark Raban

Alan Ferguson

Sarah Dickins

Francesca Ecsery

Christopher Sawyer

31 December 2016 31 December 2015
£’000

£’000

Increase
%

130

400

250

55

45

40

40

130

400

250

50

45

40

40

-

-

-

10%

-

-

-

Following a review of Non-Executive Director fees it was decided to increase the fee paid to Alan Ferguson from £50,000 to
£55,000 (which is inclusive of all committee roles), the increase reflects his significant breadth of industry experience and
outstanding contribution. All other fees remain unchanged.

The figures shown in respect of 31 December 2015 have been annualised from those actually paid for the period from Admission
to that date.

The maximum annual bonus for the year ending 31 December 2016 will be 125% of salary for the CEO and 100% of salary for
the CFO.  Awards are determined based on PAT targets. Recovery and withholding provisions will apply.

The Committee intends to grant options under the PSP in 2016. These options will be £nil cost options over a value of shares
subject to a maximum of 125% of salary in respect of the Chief Executive Officer and 100% of salary in respect of the
Chief Financial Officer where the vesting is subject to targets based on the achievement of earnings per share targets.

By order of the Board

Sarah Dickins
Chair of the Remuneration Committee
16 March 2016

40

238947 MMH AR pp34-pp41  16/03/2016  17:47  Page 41

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Statement of Directors’ Responsibilities

The Directors are responsible for preparing the Annual Report and the financial statements in accordance with applicable law
and regulations.

The Directors are required to prepare Consolidated financial statements for each financial year in accordance with International
Financial Reporting Standards (IFRSs) as adopted by the European Union. The Directors have elected to prepare the parent
company financial statements in accordance with United Kingdom Generally Accepted Accounting Practice (United Kingdom
Accounting Standards and applicable law).  Under company law the Directors must not approve the financial statements unless
they are satisfied that they give a true and fair view of the Group and Company and of the profit and loss of the Group for that
period. In preparing those Consolidated financial statements, the Directors are required to:

•

•

•

•

select and apply accounting policies in accordance with IAS 8;

present  information,  including  accounting  policies,  in  a  manner  that  provides  relevant,  reliable,  comparable  and
understandable information;

provide additional disclosures when compliance with the specific requirements in IFRSs are insufficient to enable users to
understand the impact of particular transactions, other events and conditions on the entity’s financial position and financial
performance;

state that the group has complied with IFRS, subject to any material departures disclosed and explained in the financial
statements.

In preparing the Company financial statements, the Directors are required to:

•

select suitable accounting policies and apply them consistently;

• make judgements and estimates that are reasonable and prudent;

•

•

state whether applicable UK Accounting Standards have been followed, subject to any material departures disclosed and
explained in the financial statements; and

prepared the financial statements on a going concern basis unless it is inappropriate to presume that the company will not
continue in business.

The Directors are responsible for keeping adequate accounting records which are sufficient to disclose with reasonable accuracy
at any time the financial position of the Company and enable them to ensure that the financial statements comply with the
Companies Act 2006 and, as regards the Group financial statements, Article 4 of the IAS Regulation. They are also responsible
for safeguarding the assets of the company and hence for taking reasonable steps for the prevention and detection of fraud and
other irregularities.

41

238947 MMH AR pp42-pp43  16/03/2016  17:49  Page 42

FINANCIAL STATEMENTS

Independent Auditors’ Report to the members
of Marshall Motor Holdings plc

Report on the Financial Statements
We have audited the financial statements of Marshall Motor Holdings plc for the year ended 31 December 2015 which comprise
the Consolidated Statement of Comprehensive Income, the Consolidated Statement of Changes in Equity, the Consolidated
Statement of Financial Position, the Consolidated Cash Flow Statement, the Parent Company Statement of Financial Position,
the Parent Company Statement of Changes in Equity and the related notes 1 to 29 for the group financial statements and
notes 1 to 11 for the parent company financial statements. The financial reporting framework that has been applied in the
preparation of the group financial statements is applicable law and International Financial Reporting Standards (IFRSs) as
adopted by the European Union. The financial reporting framework that has been applied in the preparation of the parent company
financial  statements  is  applicable  law  and  United  Kingdom  Accounting  Standards  (United  Kingdom  Generally  Accepted
Accounting Practice), including FRS 102 “The Financial Reporting Standard applicable in the UK and Republic of Ireland”.

This report is made solely to the company’s members, as a body, in accordance with Chapter 3 of Part 16 of the Companies Act
2006. Our audit work has been undertaken so that we might state to the company’s members those matters we are required to
state to them in an auditor’s report and for no other purpose. To the fullest extent permitted by law, we do not accept or assume
responsibility to anyone other than the company and the company’s members as a body, for our audit work, for this report, or for
the opinions we have formed.

Respective responsibilities of Directors and auditor
As explained more fully in the Statement of Directors’ Responsibilities on page 41, the directors are responsible for the preparation
of the financial statements and for being satisfied that they give a true and fair view. Our responsibility is to audit and express an
opinion on the financial statements in accordance with applicable law and International Standards on Auditing (UK and Ireland).
Those standards require us to comply with the Auditing Practices Board’s Ethical Standards for Auditors.

Scope of the audit of the financial statements
An audit involves obtaining evidence about the amounts and disclosures in the financial statements sufficient to give reasonable
assurance that the financial statements are free from material misstatement, whether caused by fraud or error. This includes an
assessment of: whether the accounting policies are appropriate to the group’s and the parent company’s circumstances and
have been consistently applied and adequately disclosed; the reasonableness of significant accounting estimates made by the
directors; and the overall presentation of the financial statements. In addition, we read all the financial and non-financial information
in the annual report and financial statements to identify material inconsistencies with the audited financial statements and to
identify any information that is apparently materially incorrect based on, or materially inconsistent with, the knowledge acquired
by us in the course of performing the audit. If we become aware of any apparent material misstatements or inconsistencies we
consider the implications for our report.

Opinion on financial statements
In our opinion:

•

•

•

•

the financial statements give a true and fair view of the state of the group’s and of the parent company’s affairs as at 31
December 2015 and of the group’s profit for the year then ended;

the group financial statements have been properly prepared in accordance with IFRSs as adopted by the European Union;

the parent company financial statements have been properly prepared in accordance with United Kingdom Generally
Accepted Accounting Practice, including FRS 102 “The Financial Reporting Standard applicable in the UK and Republic of
Ireland”; and

the financial statements have been prepared in accordance with the requirements of the Companies Act 2006.

Opinion on other matter prescribed by the Companies Act 2006
In our opinion the information given in the Strategic Report and the Directors’ Report for the financial year for which the financial
statements are prepared is consistent with the financial statements.

42

238947 MMH AR pp42-pp43  16/03/2016  17:49  Page 43

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Independent Auditors’ Report to the members
of Marshall Motor Holdings plc

Matters on which we are required to report by exception
We have nothing to report in respect of the following matters where the Companies Act 2006 requires us to report to you if, in our
opinion:

•

•

•

•

adequate accounting records have not been kept by the parent company, or returns adequate for our audit have not been
received from branches not visited by us; or

the parent company financial statements are not in agreement with the accounting records and returns; or

certain disclosures of directors’ remuneration specified by law are not made; or

we have not received all the information and explanations we require for our audit.

Bob Forsyth (Senior Statutory Auditor)
For and on behalf of 
Ernst & Young LLP
Cambridge
16 March 2016

43

238947 MMH AR pp44-pp65 FN  16/03/2016  17:52  Page 44

FINANCIAL STATEMENTS

Consolidated Statement of Comprehensive Income
For the year ended 31 December 2015

Revenue

Cost of  Sales

Gross Profit

Operating expenses

Group operating profit

Finance costs

Profit before tax and acquisition costs

Acquisition costs

Profit before taxation

Taxation

Profit for the year

Attributable to:

Owners of  the parent

Non-controlling interests

Note

3

4

7

11

8

2015
£’000

2014
£’000

1,232,761

1,085,883

(1,087,452)

(959,712)

145,309

126,171

(127,063)

(110,928)

18,246

15,243

(2,883)

15,838

(475)

15,363

(3,649)

11,714

11,721

(7)

11,714

(2,350)

13,050

(157)

12,893

(2,957)

9,936

9,939

(3)

9,936

Total comprehensive income for the year net of tax

11,714

9,936

Attributable to:

Owners of  the parent

Non-controlling interests

Earnings per share (expressed in pence per share)

Basic earnings per share

Diluted earnings per share

9

9

11,721

(7)

11,714

19.7

19.2

9,939

(3)

9,936

282.6

282.6

44

238947 MMH AR pp44-pp65 FN  16/03/2016  17:52  Page 45

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Consolidated Statement of Changes in Equity

Note

Share
capital
£’000

2,250

Equity
attributable
to

Share

Non-
Retained owners of controlling
interests
£’000

premium earnings the parent
£’000

£’000

£’000

58,431

60,681

9,939

9,939

39

(3)

Total
equity
£’000

60,720

9,936

Balance at 1 January 2014

Profit for the year

Total comprehensive income

Transactions with owners

Dividends paid

10

Balance at 31 December 2014

Profit for the year

Issue of  share capital

-

-

-

2,250

-

25

47,181

19,672

-

-

-

-

-

-

9,939

9,939

(3)

9,936

(4,500)

(4,500)

-

(4,500)

63,870

66,120

36

66,156

11,721

-

11,721

66,853

(7)

-

11,714

66,853

Total comprehensive income

47,181

19,672

11,721

78,574

(7)

78,567

Transactions with owners

Dividends paid

Share based payments charge
Deferred tax on share based 
payments

10

25

23

-

-

-

-

-

-

(15,448)

(15,448)

556

82

556

82

-

-

-

(15,448)

556

82

Balance at 31 December 2015

49,431

19,672

60,781

129,884

29

129,913

45

238947 MMH AR pp44-pp65 FN  16/03/2016  17:52  Page 46

FINANCIAL STATEMENTS

Consolidated Statement of Financial Position
At 31 December 2015

Note

2015
£’000

2014
£’000

Assets

Non-current assets

Goodwill

Other intangible assets

Property, plant and equipment

Investment property

Investments

Deferred tax asset

Total non-current assets

Current assets

Inventories

Trade and other receivables

Cash and cash equivalents

Total current assets

Total assets

Shareholders’ equity

Share capital

Share premium

Retained earnings

Equity attributable to owners of the parent

Share of  equity attributable to non-controlling interests

Total equity

Non-current liabilities

Loans and borrowings

Trade and other payables

Provisions

Deferred tax liabilities

Total non-current liabilities

Current liabilities

Loans and borrowings

Trade and other payables

Provisions

Current tax liabilities

Total current liabilities

Total liabilities

Total equity and liabilities

11

11

12

13

14

23

17

18

19

25

25

21

20

22

23

21

20

22

37,791

453

107,285

1,920

10

58

22,055

- 

91,037

1,920

10

94

147,517

115,116

240,632

42,724

24,130

307,486

455,003

49,431

19,672

60,781

129,884

29

129,913

24,677

8,269

289

1,885

35,120

26,700

260,217

762

2,291

289,970

325,090

455,003

163,011

73,181

1,826

238,018

353,134

2,250

- 

63,870

66,120

36

66,156

25,205

8,579

- 

1,783

35,567

28,342

221,442

- 

1,627

251,411

286,978

353,134

The financial statements on pages 44 to 80 were approved for issue by the Board of  Directors on 16 March 2016:

Daksh Gupta
Chief  Executive Officer

Mark Raban
Chief  Financial Officer

46

238947 MMH AR pp44-pp65 FN  16/03/2016  17:52  Page 47

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Consolidated Cash Flow Statement
For the year ended 31 December 2015

Cash flows from operating activities

Profit before taxation

Adjustments for:

Depreciation and amortisation

Finance costs

Share based payment charge

(Profit)/Loss on disposal of  property, plant & equipment

Changes in working capital:

(Increase)/decrease in inventories

Decrease/(increase) in trade and other receivables

(Decrease)/increase in trade and other payables

Note

11/12

7

25

Increase/(decrease) in provisions

22

Tax paid

Interest paid

Net cash inflow from operating activities

Cash flows from investing activities

Purchase of  property, plant and equipment

Purchase of  investment property

Acquisition of  subsidiary, net of  cash acquired

Proceeds from disposal of  property, plant and equipment

Net cash outflow from investing activities

Cash flows from financing activities

Proceed from borrowings

Repayment of  borrowings

Dividends paid

Issue of  share capital net of  costs

Net cash (outflow)/ inflow from financing activities

Net increase in cash and cash equivalents

Cash and cash equivalents at 1 January

Cash and cash equivalents at period end

Reconciliation of net cash flow to movement in net debt

Increase in net cash

Repayment of borrowings

Proceeds of borrowings

Movement in net debt

Opening net debt

Net debt at period end

47

11/12

13

11

21

21

10

25

21

21

2015
£’000

2014
£’000

15,363

12,893

21,087

2,883

556

(61)

20,995

2,350

-

(55)

39,828

36,183

(77,621)

(13,816)

30,457

38,465

1,051

(7,648)

(3,804)

(2,883)

25,493

5,646

22,202

-

14,032

(4,145)

(2,350)

43,720

(39,573)

(33,059)

-

(21,498)

8,646

(52,425)

28,642

(30,811)

(15,448)

66,853

49,236

22,304

1,826

24,130

22,304

30,811

(28,642)

24,473

(51,720)

(27,247)

(100)

(15,788)

8,382

(40,565)

25,263

(23,851)

(4,500)

- 

(3,088)

67

1,759

1,826

67

23,851

(25,263)

(1,345)

(50,375)

(51,720)

238947 MMH AR pp44-pp65 FN  16/03/2016  17:52  Page 48

FINANCIAL STATEMENTS

Notes to the Consolidated Financial Statements

1. Accounting policies

Basis of preparation

Marshall Motor Holdings plc is a Public Limited Company which is listed on the Alternative Investment Market (“AIM”) and is
incorporated and domiciled in the United Kingdom. The address of the registered office is Airport House, The Airport, Cambridge,
CB5 8RY. The registered number of the Company is 2051461. The consolidated financial statements of Marshall Motor Holdings
plc have been prepared in accordance with International Financial Reporting Standards as adopted by the European Union (IFRSs
as adopted by the EU), International Financial Reporting Standards Interpretations Committee (“IFRICs”) interpretations and the
Companies Act 2006 applicable to companies reporting under IFRS. The consolidated financial statements have been prepared
on the going concern basis under the historical cost convention as modified by the revaluation of investments and investment
properties. The consolidated financial statements include the results of all subsidiaries wholly owned by Marshall Motor Holdings
plc as listed on page 87 of the annual report. 

The Group’s first financial statements under IFRS were those for the year ended 31 December 2014 as disclosed in the document
prepared for the Group’s Admission. The comparative information for 2014 in these financial statements is as reported in the
Admission document and the transition adjustments on conversion are disclosed in our Admission document which is available on
our website: www.mmhplc.com

IFRS 1 allows certain exemptions in the application of particular standards to prior periods in order to assist companies with the
transition process. The Group has elected:

•
•

not to restate its business combinations made prior to 1 January 2012 to comply with IFRS 3 Business Combinations;
to retain previous UK GAAP carryng values of property, plant and equipment, treating any historic revelations as deemed cost
at 1 January 2012.

The preparation of financial statements in conformity with IFRS requires the use of certain critical accounting estimates. It also
requires management to exercise its judgement in the process of applying the Group’s accounting policies. The estimates and
judgements that have a significant risk of causing a material adjustment to the carrying amounts of assets and liabilities are set
out in note 2. The Directors consider that the accounting policies set out below are the most appropriate and have been consistently
applied. 

Standards and interpretations adopted by the Group in the year ended 31 December 2015

The following standards, amendments and interpretations were in issue, but were not yet effective at the balance sheet date. These
standards have not been early adopted by the Group.

•
•
•

IFRS 9 “Financial Instruments” 
IFRS 15 “Revenue from Contracts with Customers” 
IFRS 16 “Leasing” 

Amendments to IFRS 9 are due to take effect from accounting periods commencing from 1 January 2018. The Directors do not
anticipate that the adoption of IFRS 9, where relevant in future periods, will have a material impact on the Company’s financial
statements. IFRS9 has not yet been adopted by the EU.

IFRS 15 is due to take effect from accounting periods commencing from 1 January 2018. This new revenue standard may lead to
new treatments resulting from considerations of transfer of control, variable consideration, the time value of money, and allocation
of transaction prices based on relative stand-alone selling prices. The Directors are currently assessing the impact of these changes
on the accounting policies of the Group. IFRS 15 has not yet been adopted by the EU.

IFRS 16 is due to take effect from accounting periods commencing from 1 January 2019 and makes substantial changes to how
lease arrangements are accounted for. The Directors are currently assessing the impact of these changes on the accounting
policies of the Group.

48

238947 MMH AR pp44-pp65 FN  16/03/2016  17:52  Page 49

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Notes to the Consolidated Financial Statements

1. Accounting policies (continued)

Going concern 

After making appropriate enquiries, the Directors have a reasonable expectation that the Group has adequate resources to continue
in operational existence for the foreseeable future and for at least one year from the date that these financial statements are signed.
For these reasons they continue to adopt the going concern basis in preparing the Group’s financial statements.

Basis of consolidation 

(i)

Subsidiaries 

Subsidiaries are entities controlled by the Company. Control exists when the Company has the power, directly or indirectly, to govern
the financial and operating policies of an entity so as to obtain benefits from its activities. In assessing control potential voting rights
that presently are exercisable or convertible are taken into account. Control is generally accompanied by a shareholding of more
than one half of the voting rights. The financial information of subsidiaries is included in the consolidated financial information from
the date that control commences until the date that control ceases. 

The Group applies the acquisition method to account for business combinations. The consideration transferred for the acquisition
of a subsidiary is the fair value of the assets transferred, the liabilities incurred to the former owners of the acquiree and the equity
interests issued by the Group. The consideration transferred includes the fair value of any asset or liability resulting from a contingent
consideration arrangement. Identifiable assets acquired and liabilities and contingent liabilities assumed in a business combination
are measured initially at their fair values at the acquisition date. The Group recognises any non-controlling interest in the acquiree
on an acquisition by acquisition basis, either at fair value or at the non-controlling interest’s proportionate share of the recognised
amounts of acquiree’s identifiable net assets.

Acquisition related costs are expensed as incurred and are not reported within adjusted profit before tax.

Any contingent consideration to be transferred by the Group is recognised at fair value at the acquisition date. Subsequent changes
to the fair value of the contingent consideration that is deemed to be an asset or liability is recognised in accordance with IAS 39
either in profit or loss or as a change to other comprehensive income. Contingent consideration that is classified as equity is not
re-measured, and its subsequent settlement is accounted for within equity. 

The excess of the consideration transferred, the amount of any non-controlling interest in the acquiree and the acquisition date
fair value of any previous equity interest in the acquiree over the fair value of the identifiable net assets acquired is recorded as
goodwill. If the total of consideration transferred, non-controlling interest recognised and previously held interest measured is less
than the fair value of the net assets of the subsidiary acquired in the case of a bargain purchase, the difference is recognised
directly in the income statement.

(ii) Transactions eliminated on consolidation 

Intragroup balances and any gains and losses or income and expenses arising from intragroup transactions, are eliminated in
preparing the consolidated financial information. Losses are eliminated in the same way as gains but only to the extent that there
is no evidence of impairment.

(iii) Disposal of  subsidiaries 

When the Group ceases to have control any retained interest in the entity is remeasured to its fair value at the date when control
is lost. The change in carrying amount is recognised in profit or loss. The fair value is the initial carrying amount for the purposes
of subsequently accounting for the retained interest as an associate, joint venture or financial asset. In addition, any amounts
previously recognised in other comprehensive income in respect of that entity are accounted for as if the Group had directly
disposed of the related assets or liabilities. This may mean that amounts previously recognised in other comprehensive income
are reclassified to profit or loss.

49

238947 MMH AR pp44-pp65 FN  16/03/2016  17:52  Page 50

FINANCIAL STATEMENTS

Notes to the Consolidated Financial Statements

1. Accounting policies (continued)

Segmental reporting

Operating segments are reported in a manner consistent with the internal management reporting provided to the chief operating
decision makers. The chief operating decision maker who is responsible for allocating resources and assessing performance of
the operating segments has been identified as the Chief Executive Officer.

Property, plant and equipment 

Investment properties 

Land and buildings are shown at fair value based on formal valuations by external independent valuers performed at least every
three years and updated each year for the Directors’ estimate of value. Valuations are performed with sufficient regularity to ensure
that the fair value of a revalued asset does not differ materially from its carrying amount. Investment property is not depreciated.
Any surplus or deficit on revaluation is taken to profit or loss. 

Owned assets 

Items of property, plant and equipment are stated at cost less accumulated depreciation and impairment losses. Cost includes the
original purchase price of the asset and the costs attributable to bringing the asset to its working condition for its intended use.
When parts of an item of property, plant and equipment have different useful lives those components are accounted for as separate
items of property, plant and equipment. 

Subsequent costs are included in the asset’s carrying amount or recognised as a separate asset, as appropriate, only when it is
probable that future economic benefits associated with the item will flow to the Group and the cost of the item can be measured
reliably. 

Gains and losses on disposals are determined by comparing the proceeds with the carrying amount and are recognised in the
income statement. 

Leased assets 

Leases under which the Group assumes substantially all the risks and rewards of ownership of an asset are classified as finance
leases. Property, plant and equipment acquired under finance leases is recorded at fair value or, if lower, the present value of
minimum lease payments at inception of the lease, less depreciation and any impairment. 

Each lease payment is allocated between the liability and finance charges. The corresponding rental obligations, net of finance
charges, are included in the other long-term payables. The interest element of the finance cost is charged to the income statement
over the lease period so as to produce a constant periodic rate of interest on the remaining balance of the liability for each period.
The property, plant and equipment under finance leases is depreciated over the shorter of the useful life of the asset and lease
term. 

Depreciation 

Depreciation is charged to profit or loss on a straight line basis over the estimated useful lives of each part of an item of property,
plant and equipment. Estimated residual values are included in the calculation of depreciation. 

The property, plant and equipment acquired under finance leases is depreciated over the shorter of the useful life of the asset
and the lease term. The estimated useful lives of property, plant and equipment are set out below.

•
•
•
•
•

Leasehold improvements – depreciated over shorter of term of lease or 10 years 
Fixture and fittings – 4 years 
Computer equipment – 2-5 years 
Freehold buildings – 50 years 
Freehold land is not depreciated

The residual values and useful lives are reviewed, and adjusted if appropriate, at each balance sheet date.

50

238947 MMH AR pp44-pp65 FN  16/03/2016  17:52  Page 51

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Notes to the Consolidated Financial Statements

1. Accounting policies (continued)

Intangible assets 

Goodwill 

Goodwill arises on the acquisition of subsidiaries and represents the excess of the consideration transferred, the amount of any
non-controlling interest in the acquiree and the acquisition date fair value of any previous equity interest in the acquiree over the
fair value of the identifiable net assets acquired.

Goodwill is not subject to amortisation but is assessed for impairment. For the purpose of impairment testing, goodwill acquired in
a business combination is allocated to each of the cash generating units (“CGUs”), or groups of CGUs, that are expected to benefit
from the synergies of the combination. The group of CGUs to which the goodwill is allocated (being groups of dealerships
connected by manufacturer brand) represents the lowest level within the entity at which the goodwill is monitored for internal
management purposes. 

Goodwill impairment reviews are undertaken annually or more frequently if  events or changes in circumstances indicate a
potential impairment. The carrying value of  goodwill is compared to the recoverable amount which is the higher of  value in
use or fair value less costs of  disposal. Value in use calculations are performed using cash flow projections, discounted at a
pre-tax rate which represents the time value of  money and asset specific risks.

Other intangible assets

Other intangible assets are stated at cost less accumulated amortisation and any impairment losses. Other intangible assets
include computer software and licences. Costs comprise purchase price from third parties and amortisation is calculated on a
straight line basis over the assets’ expected economic lives, which varies depending on the nature of the asset. Licences are
amortised over the length of the licence and software is amortised between 3-5 years. Amortisation is included within administrative
expenses in the Statement of Comprehensive Income.

Measurement period adjustment

The Group assesses the fair value of assets acquired and finalises purchase price allocation within the measurement period
following acquisition and in accordance with IFRS 3. This includes an exercise to evaluate for other material separately identifiable
intangible assets such as brand value, supplier agreements, franchise relationships and customer relationships.

The finalisation of the purchase price allocation may result in a change in the fair value of assets acquired.

In accordance with IFRS 3 measurement period adjustments are reflected in the financial statements as if the final purchase price
allocation had been completed at the acquisition date.

Impairment of non-financial assets 

Assets not subject to amortisation are tested annually for impairment. Assets that are subject to amortisation are reviewed for
impairment whenever events or changes in circumstances indicate that the carrying amount may not be recoverable. An impairment
loss is recognised for the amount by which the asset’s carrying amount exceeds its recoverable amount. The recoverable amount
is the higher of an asset’s fair value less costs to sell and value in use. For the purposes of assessing impairment assets are
grouped at the lowest levels for which there are separately identifiable cash flows (cash-generating units). Non-financial assets
other than goodwill that suffered impairment are reviewed for possible reversal of the impairment at each reporting date.

Financial assets 

Classification 

The Group classifies its financial assets as loans and receivables. Management determines the classification of its financial assets
at initial recognition. 

51

238947 MMH AR pp44-pp65 FN  16/03/2016  17:52  Page 52

FINANCIAL STATEMENTS

Notes to the Consolidated Financial Statements

1. Accounting policies (continued)

Loans and receivables 

Loans and receivables are non-derivative financial assets with fixed or determinable payments that arise principally through the
provision of services to customers. They are initially recognised at fair value and are subsequently stated at amortised cost using
the effective interest method. They are included in current assets except for maturities greater than 12 months after the end of the
reporting period. Loans and receivables comprise mainly cash and cash equivalents and trade and other receivables. 

Impairment of  financial assets 

Impairment provisions are recognised when there is objective evidence (such as significant financial difficulties on the part of the
counterparty, or default or significant delay in payment) that the Group will be unable to collect all of the amounts due under the
terms receivable. The amount of such a provision is the difference between the net carrying amount and the present value of the
future expected cash flows associated with the impaired receivable. 

For trade receivables, which are reported net, such provisions are recorded in a separate provision account with the loss
being recognised within other operating costs in the income statement. On confirmation that the trade receivable will not
be collectable the gross carrying value of  the asset is written off  against the associated provision. 

Offsetting financial instruments 

Financial assets and liabilities are offset and the net amount reported in the balance sheet when there is a legally enforceable right
to offset the recognised amounts and there is an intention to settle on a net basis or realise the asset and settle the liability
simultaneously.

Inventories 

Inventories are stated at the lower of cost and net realisable value. Costs incurred in bringing each product to its present location
and condition are included and cost is based on price including delivery costs less specific trade discounts. Net realisable value is
based on estimated selling price less further costs to be incurred to disposal. Provision is made for obsolete, slow-moving or
defective items where appropriate. 

Inventories  held  on  consignment  are  recognised  on  the  balance  sheet  with  a  corresponding  liability  when  the  terms  of  a
consignment agreement and industry practice indicate that the principal benefit of owning the inventory (the ability to sell it) and
principal risks of ownership (stockholding cost, responsibility for safekeeping and some risk of obsolescence) rest with the Group.

Cash, cash equivalents and net debt 

Cash and cash equivalents comprise cash balances and call deposits with an original maturity of three months or less. Bank
overdrafts that are repayable on demand and form an integral part of the Group’s cash management are included as a component
of cash and cash equivalents for the purpose of the statement of cash flows and are presented in current liabilities.

Net debt as presented in the cash flow statement comprises asset backed finance and bank borrowings net of cash balances.

Trade and other payables 

Trade payables are obligations to pay for goods or services that have been acquired in the ordinary course of business. These are
classified as current liabilities if payment is due in one year or less. If payment is due at a later date they are presented as non-
current liabilities. 

Trade payables are recognised initially at fair value and subsequently measured at amortised cost using the effective interest
method. 

Trade payables include the liability for vehicles held on consignment with the corresponding asset included within inventories.

52

238947 MMH AR pp44-pp65 FN  16/03/2016  17:52  Page 53

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Notes to the Consolidated Financial Statements

1. Accounting policies (continued)

Borrowings 

Borrowings are recognised initially at fair value, net of transaction costs incurred. Borrowings are subsequently carried at amortised
cost. Any difference between the proceeds (net of transaction costs) and the redemption value is recognised in the income
statement over the period of the borrowings using the effective interest method.

Provisions 

A provision is recognised in the balance sheet when the Group has a present legal or constructive obligation as a result of a past
event and it is probable that an outflow of economic benefits will be required to settle the obligation. If the effect is material provisions
are determined by discounting the expected future cash flows at a pre-tax rate that reflects current market assessments of the
time value of money and, when appropriate, the risks specific to the liability. The increase in the provision due to passage of  time
is recognised in finance costs.

Share capital 

Ordinary shares are classified as equity. Incremental costs directly attributable to the issue of new shares are shown in share
premium as a deduction from the proceeds.

Share based payments

The Group allows employees to acquire shares in the Company through share option schemes. The fair value of share options
granted is recognised as an employee expense with a corresponding increase in equity. The Group operates a number of equity
settled, share based compensation plans. The total amount to be expensed over the vesting year is determined by reference to
the fair value of the options granted, excluding the impact of any non-market vesting conditions (for example, profitability and sales
growth targets). Non-market vesting conditions are included in assumptions about the number of options that are expected to vest.
At each balance sheet date the entity revises its estimates of the number of options that are expected to vest. It recognises the
impact of the revision to original estimates, if any, in the income statement with a corresponding adjustment to equity.

The proceeds received net of any directly attributable transaction costs are credited to share capital (nominal value) and share
premium when the options are exercised.

Revenue 

Revenue is measured at the fair value of the consideration received or receivable, and represents amounts receivable for goods
supplied, stated net of discounts, returns and value added taxes. The Group recognises revenue when the amount of revenue
can be reliably measured; when it is probable that future economic benefits will flow to the entity; and when specific criteria have
been met for each of the Group’s activities, as described below. 

Revenue comprises sales and charges for vehicles sold and services rendered during the year including sales to other Marshall
of Cambridge (Holdings) Limited group companies but excluding inter-company sales within the Group. Revenue from the sale of
new and used vehicles is recognised at the point at which a customer takes possession of a vehicle. Revenue in respect of other
services is recognised once the service has been provided. 

The income received in respect of warranty policies sold and administered by the Group is recognised over the period of the policy
on a straight line basis. Revenue also comprises commissions receivable for arranging vehicle financing and related insurance
products. Commissions are based on agreed rates and the income is recognised when the vehicle is recognised as sold. The
Group acts as agent on behalf of principals and the commission earned is also recorded at an agreed rate when the transaction
has occurred. 

Vehicles leased out under finance leases, which are leases where substantially all the risks and rewards of ownership of the assets
are passed to the lessee and hire purchase contracts, are both shown as debtors in the balance sheet at the amount of the net
investment in the lease. The interest elements of the rental obligations are credited to the profit and loss over the period of  the
lease and are apportioned based on a pattern reflecting a constant periodic rate of return. Finance lease income is presented in
revenue. 

53

238947 MMH AR pp44-pp65 FN  16/03/2016  17:52  Page 54

FINANCIAL STATEMENTS

Notes to the Consolidated Financial Statements

1. Accounting policies (continued)

Vehicles leased out under operating leases are held within “Property, plant and equipment” at their cost to the Group and are
depreciated to their residual values over the terms of the leases.

Rental income from finance leases is recognised in revenue on a straight line basis over the period of the lease. These assets are
transferred into inventory at their carrying amount when they cease to be rented and they become available for sale as part of the
Groups ordinary course of business 

Deferred income 

Where the Group receives an amount in advance of future income streams the value of the receipt is amortised over the period
of the contract as the services are delivered. The unexpired element is disclosed in other liabilities as deferred revenue.

Rebate income 

The Group receives income in the form of rebates from suppliers and other partners. These are generally based on achieving
certain objectives such as specific volumes. Rebate income is recognised as a credit to cost of sales at the point when it is
reasonably certain that the targets have been achieved and when the income can be measured reliably based on the terms of the
contract.

Dividend distribution

Final dividends to the Company’s shareholders are recognised as a liability in the Group’s financial statements in the period in
which the dividends are approved by the Company’s shareholders. Interim dividends are recognised when they are paid.

Leases 

The costs associated with operating leases are taken to the income statement on an accruals basis over the period of the lease.
Where the Group enters into a lease which entails taking substantially all the risks and rewards of ownership of an asset the lease
is treated as a “finance lease”. The accounting policy for leased assets is disclosed in Property, Plant and Equipment above. 

Rental payable under operating leases is charged to profit and loss on a straight line basis over the lease term.

Net finance costs 

Finance costs 

Finance costs comprise interest payable on borrowings, stock financing charges and other interest. 

Finance income 

Finance income comprises interest receivable on funds invested. Interest income is recognised in the income statement as it
accrues using the effective interest method.

Income tax 

Income tax for the years presented comprises current and deferred tax. Income tax is recognised in profit or loss except to the
extent that it relates to items recognised directly in equity, in which case it is recognised in equity. 

Current tax is the expected tax payable on the taxable income for the year, using tax rates enacted or substantially enacted at the
balance sheet date, and any adjustment to tax payable in respect of previous years. 

Deferred tax is provided using the balance sheet liability method, providing for temporary differences between the carrying amounts
of assets and liabilities for financial reporting purposes and the amounts used for taxation purposes. 

54

238947 MMH AR pp44-pp65 FN  16/03/2016  17:52  Page 55

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Notes to the Consolidated Financial Statements

1. Accounting policies (continued)

The following temporary differences are not provided for: the initial recognition of goodwill; the initial recognition of other assets or
liabilities that affect neither accounting nor taxable profit; nor differences relating to investments in subsidiaries to the extent that
they are unlikely to reverse in the foreseeable future. The amount of deferred tax provided is based on the expected manner of
realisation or settlement of the carrying amount of assets and liabilities using tax rates enacted or substantively enacted at the
balance sheet date. 

A deferred tax asset is recognised only to the extent that it is probable that future taxable profits will be available against which the
asset can be utilised. Deferred tax assets are reduced to the extent that it is no longer probable that the related tax benefit will be
realised.

Deferred income tax assets and liabilities are offset when there is a legally enforceable right to offset current tax assets against
current tax liabilities and when the deferred income taxes assets and liabilities relate to income taxes levied by the same taxation
authority on either the taxable entity or different taxable entities where there is an intention to settle the balances on a net basis. 

Deferred income tax is provided on temporary differences arising on investments in subsidiaries and associates, except for deferred
income tax liability where the timing of the reversal of the temporary difference is controlled by the Group and it is probable that
the temporary difference will not reverse in the foreseeable future. 

Additional income taxes that arise from the distribution of dividends are recognised at the same time as the liability to pay the
related dividend.

Employee benefits: Pension obligations 

Employees of the Group are members of two pension schemes; the Marshall Group Executive Pension Plan, (‘the Plan’) which is
operated by Marshall of Cambridge (Holdings) Limited; and has two sections, one of which, operates on a defined benefit basis
and one of which operates on a defined contribution basis. The second is a defined contribution scheme.

For the defined contribution arrangements the Group charges contributions to the Income Statement as they become payable in
accordance with the rules of the scheme. For the defined benefit section of the Plan the Group accounts for its contributions as if
it were a defined contribution scheme. There is no contractual agreement or stated policy for charging the net defined benefit cost
between the individual companies within the Marshall of Cambridge (Holdings) Limited Group.

Exceptional items 

Items which are both material and non-recurring are presented as exceptional items within their relevant consolidated income
statement category. The separate reporting of exceptional items helps provide additional useful information regarding the Group’s
underlying business performance. Examples of events which may give rise to the classification of items as exceptional include
material transaction costs, closure costs, assets impairment, one-off tax items and pensions. Exceptional items are not included
within adjusted profit before tax.

2. Critical accounting judgements and estimates

The Group makes estimates and judgements concerning the future. The estimates and judgements that have a significant risk of
causing a material adjustment to the carrying amounts of assets and liabilities are discussed below: 

Valuation and impairment of  goodwill and other indefinite life assets

The Group reviews the goodwill arising on the acquisition of subsidiaries or businesses and any other indefinite life assets with an
indefinite life for impairment annually or more frequently if events or changes in circumstances indicate a potential impairment.
The impairment review is performed by projecting the future cash flows, excluding finance and tax, based upon budgets and plans
and making appropriate judgements about rates of growth and discounting these using a rate that takes into account the time
value of money and the risk inherent in the business. If the present value of the projected cash flows is less than the carrying
value of the underlying net assets and related goodwill an impairment charge would be taken to the profit or loss in the Income
Statement unless the fair value less cost of disposal of the related asset is higher than the carrying value.

55

238947 MMH AR pp44-pp65 FN  16/03/2016  17:52  Page 56

FINANCIAL STATEMENTS

Notes to the Consolidated Financial Statements

2. Critical accounting judgements and estimates (continued)

Estimated useful life of  intangibles, property, plant and equipment and impairment testing 

The Group estimates the useful life and residual values of intangible assets, property, plant and equipment and reviews these
estimates at each financial year end. The Group also tests for impairment when a trigger event occurs or annually as appropriate. 

Pension benefits

As described in notes 1 and 28 the Group accounts for any contributions payable to the Plan and the Marshall Motor Holdings
Defined Contribution Pension Scheme as defined contribution schemes. The Group has paid all of its contributions due under the
current recovery plan to remove the funding deficit on a technical provisions basis in the defined benefit section of the Plan revealed
by the actuarial valuation as at 31 December 2013. The next actuarial valuation of the Plan is expected as at 31 December 2016
and the extent of any future cash contributions by the Group will be considered then.

Inventory valuation

Motor vehicle inventories are stated at the lower of cost and net realisable value (fair value less costs to sell). Fair values are
assessed using reputable industry valuation data which is based upon recent industry activity and forecasts. Whilst this data is
deemed representative of current value it is possible that ultimate sales values can vary from those applied. 

Assets held for contract hire

Vehicles are depreciated on a straight line basis to residual values which mirror those utilised in the creation of the original client
contract. Care is taken to minimise the risk of an exposure to losses at contract end, and the entire portfolio is reassessed utilising
an independent valuation tool throughout the life of the underlying contracts. 

3. Segmental information

Management has determined the operating segments based on the operating reports reviewed by the Chief Executive Officer that
are used to assess both performance and strategic decisions. These results have been determined using consistent accounting
policies as the overall financial statements. Management has identified that the Chief Executive Officer is the chief operating
decision maker in accordance with the requirements of IFRS 8 ‘Operating Segments’. 

The business is split into two main operating segments generating revenue and a third support segment. No significant judgements
have been made in determining the reporting segments.

•
•
•

Retail – sales and servicing of motor vehicles and ancillary services
Leasing – leasing of vehicles to end consumers and fleet customers
Unallocated – administrative and asset management functions in support of the wider business

All segment revenue, profit before taxation, assets and liabilities are attributable to the principal activity of the Group being the
provision of car and commercial vehicle sales, leasing, vehicle service and other related services. All revenue is generated in the
UK. Depreciation presented in the segmental note is restricted to assets other than assets held for contract rental, on the basis
that depreciation on our leasing fleet is presented within cost of sales.

56

238947 MMH AR pp44-pp65 FN  16/03/2016  17:52  Page 57

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Notes to the Consolidated Financial Statements

3. Segmental information (continued)

For the year ended 31 December 2015

Revenue

Total revenue

Total revenue from external customers

Depreciation and amortisation

Segment operating profit/(loss)

Finance cost

Profit before tax and acquisition costs

Acquisition costs

Profit/(loss) before taxation

Total assets

Total liabilities

Additions in the period

Retail
(see below)
£’000

Leasing
£’000

Unallocated
£’000

Total
£’000

1,195,506

1,195,506

(3,801)

20,258

(1,498)

18,760

- 

18,760

294,652

223,029

37,022

37,022

(8)

6,001

(1,125)

4,876

- 

4,876

74,691

60,356

233

233

(18)

(8,013)

(260)

(7,798)

(475)

1,232,761

1,232,761

(3,827)

18,246

(2,883)

15,838

(475)

(8,273)

15,363

85,660

455,003

41,705

325,090

Property, plant,equipment and software assets

16,585

29,738

- 

46,323

For the year ended 31 December 2014

Revenue

Total revenue

Total revenue from external customers

Depreciation and amortisation

Segment operating profit/(loss)

Finance cost

Profit before tax and acquisition costs

Acquisition costs

1,050,473

1,050,473

(3,657)

15,748

(1,210)

14,538

-

35,179

35,179

(9)

5,073

(1,140)

3,933

-

231

231

(16)

(5,578)

-

(5,421)

(157)

1,085,883

1,085,883

(3,682)

15,243

(2,350)

13,050

(157)

Profit/(loss) before taxation

14,538

3,933

(5,578)

12,893

Total assets

Total liabilities

Additions in the period

Property, plant and equipment

243,571

70,407

39,156

353,134

185,791

57,405

43,782

286,978

11,221

27,265

-

38,486

57

238947 MMH AR pp44-pp65 FN  16/03/2016  17:52  Page 58

FINANCIAL STATEMENTS

Notes to the Consolidated Financial Statements

3. Segmental information (continued)

Retail revenue is derived from a number of service lines, principally being new vehicle sales and aftersales, as set out below,

New

Used

Aftersales & other

Internal

Total

4. Operating expenses

Employee costs (note 6)

Depreciation on property, plant and equipment

Amortisation on other intangibles

Profit on disposal of  property plant and equipment

Operating lease rentals - property

Management charges from Marshall of  Cambridge (Holdings) Limited

Auditors’ remuneration (note 5)

Legal and professional charges

Other expenses

2015
£’000

637,774

459,235

127,840

2014
£’000

544,835

413,066

117,857

(29,343)

(25,285)

1,195,506

1,050,473

2015
£’000

64,562

3,600

227

(61)

6,907

1,127

355

1,100

2014
£’000

56,564

3,010

-

(55)

6,608

1,818

235

1,843

49,246

127,063

40,905

110,928

£982,000 of the management charges from Marshall of Cambridge (Holdings) Limited in 2015 are related to pre-admission costs.

5. Auditors’ remuneration

Fees payable to the Company’s auditors for the audit of  the parent Company and

consolidated financial statements

Fees payable to the Company’s auditors and its associates for other services

- audit of  Group’s subsidiaries

2015
£’000

2014
£’000

245

110

355

175

60

235

In addition, fees of £560,000 were payable to the Company’s auditors for reporting accountant services provided as part of the
Admission to AIM.

58

238947 MMH AR pp44-pp65 FN  16/03/2016  17:52  Page 59

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Notes to the Consolidated Financial Statements

6. Employees and Directors

a)

Employee costs for the Group during the year:

Wages and salaries

Social security costs

Other pension costs

Employee staff  costs are included in:

Cost of  Sales

Operating expenses

Average monthly number of  people (including Executive Directors) employed:

Retail

Leasing

Unallocated

b) Directors’ emoluments 

The Directors’ aggregate emoluments in respect of  qualifying services were:

Aggregate emoluments

Pension contribution

Highest paid Director

Aggregate emoluments including pension contribution

Following Admission the highest paid director is different in 2015 compared to 2014.

2015
£’000

67,219

7,051

1,229

75,499

2015
£’000

10,937

64,562

75,499

2015

2,115

40

214

2,369

2015
£’000

1,480

64

1,544

2015
£’000

862

2014
£’000

59,149

6,104

881

66,134

2014
£’000

9,570

56,564

66,134

2014

1,929

38

193

2,160

2014
£’000

262

32

294

2014
£’000

294

Prior to Admission, the cost of Directors services was met by a management charge to the parent company, Marshall of Cambridge
(Holdings) Limited. The management charge in 2015 was £1,127,000 inclusive of £656,000 in respect of historic LTIP liabilities for
the highest paid director which crystallised when the Company’s shares were admitted to AIM (2014: £1,818,000). The Directors
emoluments set out above include Directors’ salaries since the Admission.

59

238947 MMH AR pp44-pp65 FN  16/03/2016  17:52  Page 60

FINANCIAL STATEMENTS

Notes to the Consolidated Financial Statements

6. Employees and Directors (continued)

c) Key management compensation

The following table details the aggregate compensation paid in respect of key management personnel – which comprises both
senior management who sit on the operational board and statutory directors.

2015
£’000

2,855

311

290

3,456

2015
£’000

(33)

1,418

1,498

2,883

2015
£’000

4,258

210

4,468

(840)

(223)

244

-

(819)

3,649

2014
£’000

2,110 

163 

30 

2,303 

2014
£’000

- 

1,140

1,210

2,350

2014
£’000

3,490

122

3,612

(377)

- 

-

(278)

(655)

2,957

Wages and salaries

Post-employment benefits

Compensation for loss of  office

Details of the share option schemes are provided in note 25. 

7. Finance costs

Interest income on short term bank deposits

Interest payable on bank borrowings and asset backed finance

Stock financing charges and other interest

Net finance costs

8. Taxation

Current tax

Current tax on profits for the year

Adjustments in respect of  prior years

Total current tax

Deferred tax

Origination and reversal of  temporary differences

Impact of  change in tax rates

Adjustments in respect of  prior years

Other timing differences

Total deferred tax (note 23)

Total taxation charge

60

238947 MMH AR pp44-pp65 FN  16/03/2016  17:52  Page 61

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Notes to the Consolidated Financial Statements

8. Taxation (continued)

The tax charge for the year differs from the standard rate of corporation tax in the UK of 20.25% (2014: 21.5%). The differences
are explained below.

Profit before tax

Profit multiplied by the rate of  corporation tax of  20.25% (2014: 21.5%)

Effects of:

Other expenses not deductible

Exceptional disallowable in respect of  acquisition costs

Non-taxable income

Adjustments in respect of  prior years

Utilisation of  brought forward losses

Impact of  change in tax rate

Total taxation charge

2015
£’000

15,362

3,111

239

96

-

454

(51)

(200)

3,649

2014
£’000

12,893

2,772

520

-

(203)

(156)

-

24

2,957

The applicable tax rate for the current year is 20.25% (2014: 21.50%) following the reduction in the main rate of UK corporation
tax from 21% to 20% with effect from 1 April 2015.

Reductions in the UK corporation tax rate from 23% to 21% (effective from 1 April 2014) and to 20% (effective from 1 April 2015)
were substantively enacted on 2 July 2013. Further reductions to 19% (effective from 1 April 2017) and to 18% (effective from
1 April 2020) were substantively enacted on 26 October 2015.

These changes will reduce the Group’s future current tax charge accordingly and reduce the deferred tax asset at 31 December
2015 (which has been calculated based on the expected long term rate of 18% substantively enacted at the balance sheet date).

9. Earnings per share

Basic and diluted earnings per share are calculated by dividing the earnings attributable to equity shareholders by the weighted
average number of ordinary shares during the year or the diluted weighted average number of ordinary shares in issue in the year. 

The diluted earnings per share are based on the weighted average number of shares after taking account of the dilutive impact of
shares under option of 1,929,528 at 31 December 2015 (2014: nil). (See note 25).

Profit for the year

Non-controlling interests

Basic earnings

2015
£’000

11,721

(7)

11,714

2014
£’000

9,939

(3)

9,936

Weighted average number of  ordinary shares in issue for the basic earnings

per share

Basic earnings per share (in pence per share)

Diluted earnings per share (in pence per share)

59,425,171

3,515,625

19.7

19.2

282.6

282.6

For the year ended 31 December 2014 the weighted average number of ordinary shares in issue for the basic and diluted earnings
per share has been adjusted to reflect the impact of the sub-division of shares in 2015 described in Note 25.

61

238947 MMH AR pp44-pp65 FN  16/03/2016  17:52  Page 62

FINANCIAL STATEMENTS

Notes to the Consolidated Financial Statements

10. Dividends

A final dividend of £15,000,000 for the year ended 31 December 2014 was paid in March 2015 before Admission. This represented
a payment of 666.67p per share in issue at that time and 426.67p per share after adjustment to reflect the impact of the sub-
division of shares described in note 25.

An interim dividend in respect of the year ended 31 December 2015 of £448,000 was paid on 25 September 2015.

A final dividend of 2.40p per share in respect of the year ended 31 December 2015 is to be proposed at the annual general meeting
to be held on 24 May 2016. The ex-dividend date will be 21 April 2016 and the associated record date will be 22 April 2016. This
dividend will be paid subject shareholder approval on 27 May 2016 and these financial statements do not reflect this final dividend
payable.

11. Intangible assets

Goodwill

Cost

Balance at 1 January 2015

Additions

Adjustments

Balance at 31 December 2015

2015
£’000

22,055

15,786

(50)

37,791

2014
£’000

9,587

12,468

- 

22,055

Acquisitions made in the year ended 31 December 2015

On 16 November 2015 the Company acquired the entire share capital of SG Smith Holdings Limited (‘SGS’). SGS itself is the
holding company of 9 wholly owned subsidiary companies, SG Smith Automotive Limited, SG Smith (Motors) Limited, SG Smith
(Motors) Beckenham Limited, SG Smith (Motors) Forest Hill Limited, SG Smith (Motors) Crown Point Limited, SG Smith (Motors)
Sydenham Limited, SG Smith (Motors) Croydon Limited, SG Smith Trade Parts Limited and Prep-Point Limited. The companies
acquired operate Audi, Skoda and Mercedes-Benz Commercial dealerships and service centres in Kent, Surrey and London.

The estimated net assets at the date of acquisition are stated at their provisional fair value as set out below.

Property, plant & equipment

Inventories

Trade and other receivables

Cash and cash equivalents

Trade and other payables 

Net assets acquired

Deferred tax liability arising on transition to IFRS (note 23)

Goodwill

Total cash consideration

62

SG Smith
Holdings
Limited
£’000

6,750

24,195

5,548

2,477

(29,878)

9,092

(903)

15,786

23,975

238947 MMH AR pp44-pp65 FN  16/03/2016  17:52  Page 63

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Notes to the Consolidated Financial Statements

11. Intangible assets (continued)

The estimated net assets above have been estimated by the directors at the point of preparing these financial statements and are
subject to the completion of the fair value exercise.

The table below summarises the amount of revenue and profit or loss of the acquiree since the acquisition date included in the
consolidated income statement for the period since acquisition:

SG Smith Holdings Limited

Revenue
£’000

17,394

Profit/(Loss)
before tax
£’000

(379)

Acquisition costs of £475,000 (2014: £157,000) have been charged to the consolidated income statement for the year ended
31 December 2015.

The table below summarises the amount of the revenue and profit or loss of the combined entity for the current reporting period
as though the acquisition date for all business combinations that occurred during the year had been as of the beginning of the
annual reporting period.

Marshall Motor Holdings plc

Acquisitions made in the year ended 31 December 2014

Revenue
£’000

1,398,454

Profit/(Loss)
before tax
£’000

18,077

On 30 June 2014, Marshall Motor Group Limited acquired the trade and assets of Volvo Bishops Stortford from Regent Automotive
Group. The net assets at the date of acquisition are stated at fair value as set out below.

Property, plant & equipment

Inventories

Trade and other payables

Net assets acquired

Goodwill

Total cash consideration

Volvo Bishops
Stortford
£’000

438

229

(143)

524

75

599

On 1 July 2014, Marshall Motor Group Limited acquired the trade and assets of Halesworth Landrover from Hammond Landrover
Limited. The net assets at the date of acquisition are stated at fair value as set out below.

Property, plant & equipment

Inventories

Trade and other payables

Net assets acquired

Goodwill

Total cash consideration

63

Halesworth
Landrover
£’000

129

1,690

(214)

1,605

2,060

3,665

238947 MMH AR pp44-pp65 FN  16/03/2016  17:52  Page 64

FINANCIAL STATEMENTS

Notes to the Consolidated Financial Statements

11. Intangible assets (continued)

On 8 August 2014, the Company acquired the entire share capital of CMG 2007 Limited (‘CMG’). CMG itself is the holding company
of 2 wholly owned subsidiary companies, Astle Limited and Crystal Motor Group Limited. 

Astle Limited comprises BMW Scunthorpe and BMW/MINI/BMW Bikes Grimsby, whilst Crystal Motor Group Limited comprises
Boston Nissan, Grantham Nissan and Lincoln Nissan. The net assets at the date of acquisition are stated at fair value as set out
below.

Property, plant & equipment

Inventories

Cash and cash equivalents

Trade and other receivables

Deferred tax liability

Trade and other payables

Net assets acquired

Goodwill

Total cash consideration

Impairment testing

CMG 2007
Limited
£’000

4,860

12,318

(30)

2,127

(717)

(17,397)

1,161

10,333

11,494

For the purpose of impairment testing goodwill acquired in a business combination is allocated to each cash generating unit (CGU),
or groups of CGUs, that are expected to benefit from the synergies of the combination. CGUs are groups of dealerships connected
by manufacturer brand. Each unit or group of units to which the goodwill is allocated represents the lowest level within the entity
at which the goodwill is monitored for management purposes.

Goodwill impairment reviews are undertaken annually or more frequently if events or changes in circumstances indicate a potential
impairment. Impairment reviews have been performed for all CGU groups for the years ending 31 December 2015 and 2014.

The recoverable amounts of all CGUs have been determined based on value-in-use calculations. These calculations use projections
based on financial budgets approved by the management which are extrapolated using the estimated long term growth rates. The
budgets were prepared to 31 December 2016 and then projected for a further 4 years. A discounted cash flow model was prepared
taking into account management’s assumptions for growth in EBITDA and the long term growth rate for the industry. These
assumptions are based on past experience of growth rates in both existing and new markets. The discount rate used is 10% and
the perpetual EBITDA growth rate beyond 5 years is assumed as 2% to arrive at a terminal value.

Management has prepared separate sensitivity analyses on the basis that the discount rate increases to 15% and that EBITDA
decreases by 50% and has concluded that there is no impairment.

Goodwill arising on acquisitions is attributable to the anticipated profitability of the distribution of the Group’s products through the
acquired dealerships.

64

238947 MMH AR pp44-pp65 FN  16/03/2016  17:52  Page 65

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Notes to the Consolidated Financial Statements

11. Intangible assets (continued)

Other intangible assets

Cost

Balance as at 1 January 2015

Additions

Disposals

Transfers

Balance as at 31 December 2015

Amortisation

Balance as at 1 January 2015

Charge for the year

Disposals

Balance as at 31 December 2015

Net book value

As at 31 December 2014

As at 31 December 2015

Software assets
£’000

- 

159

(58)

522

623

- 

227

(57)

170

- 

453

65

238947 MMH AR pp66-pp80 FN  16/03/2016  17:53  Page 66

FINANCIAL STATEMENTS

Notes to the Consolidated Financial Statements

12. Property, plant and equipment

Freehold land
and buildings
£’000

Leasehold
land and
buildings
£’000

Plant and
equipment
£’000

Assets held
for contract
rental
£’000

Cost

At 1 January 2014

Additions at cost

Disposals

At 31 December 2014

Additions at cost

Additions on acquisition

Disposals

Transfers

At 31 December 2015

Accumulated Depreciation

At 1 January 2014

Charges for the year

Disposals

At 31 December 2014

Charges for the year

Disposals

Transfers

At 31 December 2015

Net book amount

At 31 December 2014

At 31 December 2015

27,470

5,835

(288)

33,017

2,670

4,137

-

(2,443)

37,381

8,622

893

(154)

9,361

313

-

(553)

9,121

2,780

900

(35)

3,645

4,609

1,636

(19)

2,501

12,372

1,030

181

(1)

1,210

701

-

629

27,387

4,496

(6,020)

25,863

2,403

977

(648)

(1,418)

27,177

21,592

2,608

(5,019)

19,181

2,586

(408)

(914)

89,563

27,255

(21,182)

95,636

29,732

-

(28,478)

-

96,890

34,086

17,313

37,372

17,210

(20,153)

-

2,540

20,445

34,429

23,656

28,260

2,435

9,832

6,682

6,732

58,264

62,461

91,037

107,285

(14,027)

(19,201)

Total
£’000

147,200

38,486

(27,525)

158,161

39,414

6,750

(29,145)

(1,360)

173,820

65,330

20,995

67,124

20,810

(20,561)

(838)

66,535

As detailed in note 11, within additions there are amounts relating to acquisitions of £6,750,000 in 2015 (2014: £5,427,000).

During the year ended 31 December 2015 the Directors reassessed the depreciable life of freehold buildings to 50 years (previously
25 years). This change in estimate resulted in a reduction in the depreciation charge for the year of £530,000.

As at 31 December 2015, the Group had capital commitments totalling £10.8m relating to new retail sites at Cambridge Jaguar
Land Rover and Ipswich Jaguar Land Rover. After the year end, the Group made further capital commitments of £6.9m (inclusive
of land purchase) relating to a new retail site at Exeter Audi.

13. Investment property

Fair value at 1 January

Additions at cost

Fair value at 31 December

2015
£’000

1,920

-

1,920

2014
£’000

1820

100

1,920

66

238947 MMH AR pp66-pp80 FN  16/03/2016  17:54  Page 67

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Notes to the Consolidated Financial Statements

13. Investment property (continued)

Investment properties are stated at fair value. The Group’s leasehold investment properties were valued on a fair value basis by
the Directors as at 31 December 2015 at £530,000 and the Group’s freehold investment properties on a fair value basis by the
Directors as at 31 December 2015 at £1,390,000. A revaluation surplus of £264,874 has been taken to the Income Statement in
2013. The last formal valuations were undertaken at 31 December 2013 by Rapleys, Chartered Surveyors on a market value
basis.

The Group policies in relation to investment property are included in note 1. The properties are rented out to third parties. Rental
income of £233,000 was recognised in 2015 (2014: £231,000). There are no restrictions on the Group’s ability to dispose of the
investment property or use any funds arising on disposal. There are no contractual commitments for further development of the
investment properties.

14. Investments

A list of all subsidiary undertakings as at 31 December 2015 and 31 December 2014 is given in note 3 of the Marshall Motor
Holdings plc company only financial statements (page 87).

15. Finance leases – Group as lessor

Lease agreements in which the other party, as lessee, is to be regarded as the economic owner of the leased assets give rise to
accounts receivable in the amount of the discounted future lease payments. At 31 December 2015 these receivables amounted
to £572,000 (2014: £699,000) and will bear interest income until their maturity dates.

Within 1 year

Between 1 and 5 years

After 5 years

Within 1 year

Between 1 and 5 years

After 5 years

Total future
payments
£’000

214

411

-

625

Total future
payments
£’000

220

544

10

774

2015
Unearned
interest
income
£’000

11

42

-

53

2014
Unearned
interest
income
£’000

2

71

2

75

Present
value
£’000

202

370

-

572

Present
value
£’000

218

473

8

699

The Group leases out vehicles under finance leases mainly through one of its subsidiaries Marshall Leasing Limited.

The majority of the leases typically run for a non-cancellable period of two to nine years. Under the contracts, title either passes to
the lessee at the conclusion of the lease period, or the arrangements include an option to purchase the leased equipment after
that period.

67

238947 MMH AR pp66-pp80 FN  16/03/2016  17:54  Page 68

FINANCIAL STATEMENTS

Notes to the Consolidated Financial Statements

16. Operating leases – Group as lessor

The Group has entered into non-cancellable operating leases, as lessor, on a number of its assets held for contract rental included
in property, plant and equipment and property included in investment property. The terms of these leases vary.

Future minimum lease payments receivable for assets held for contract rental under non-cancellable operating leases are as set
out below.

Within 1 year

Between 1 and 5 years

2015
£’000

23,105

63,142

86,247

Future minimum lease payments receivable for property under non-cancellable operating leases are as set out below.

2014
£’000

23,170

59,808

82,978

2014
£’000

233

850

1,308

2,391

2015
£’000

233

825

1,108

2,166

2015
£’000

424

244,074

(3,866)

240,632

2014
£’000

185

166,513

(3,687)

163,011

Within 1 year

Between 1 and 5 years

After 5 years

17. Inventories

Work in progress

Finished goods

Less: Provisions

Inventory (Net)

Finished goods include new and used vehicles held for resale, vehicle parts and other inventory. As at 31 December 2015
£185,898,000 (2014: £110,490,000) of finished goods are held under vehicle financing arrangements (see note 20).

18. Trade and other receivables

Amounts falling due within one year:

Trade receivables due but not past due

Trade receivables past due

Trade receivables past due but impaired

Trade receivables – net

Other receivables

Amounts due from related undertakings

Prepayments

68

2015
£’000

18,202

4,091

(839)

21,454

16,428

311

4,531

42,724

2014
£’000

16,625

3,237

(444)

19,418

11,122

39,761

2,880

73,181

238947 MMH AR pp66-pp80 FN  16/03/2016  17:54  Page 69

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Notes to the Consolidated Financial Statements

18. Trade and other receivables (continued)

Trade and other receivables are all current and any fair value difference is not material. Trade receivables are considered to be
past due once they have passed their contracted due date and are reviewed for impairment if they are past due beyond 30 days.

Other receivables include finance lease and hire purchase receivables of £572,000 (2014: £699,000). Of these £396,000 (2014:
£505,000) are amounts due in more than one year. Fair value of these items is deemed to be equal to their carrying value.

Movements on the provision for impairment of trade receivables were as below.

At 1 January

Additional provision for receivables impairment

Receivables written off  during the year as uncollectable

At 31 December

2015
£’000

444

1,014

(619)

839

2014
£’000

256

443

(255)

444

The creation and release of provision for impaired receivables have been included in ‘Other expenses’ (note 4). Amounts charged
to the allowance account are generally written off when there is no expectation of recovering the amount due.

19. Cash and cash equivalents

Cash at bank and in hand

20. Trade and other payables

Trade payables:

– vehicle financing arrangements

– other trade payables

Amounts owed to related undertakings

Other tax and social security payable

Other payables

Accruals and deferred income

Trade and other payables due within 1 year

Trade and other payables due after 1 year

2015
£’000

24,130

2014
£’000

1,826

2015
£’000

2014
£’000

186,185

34,490

654

2,472

10,840

33,845

268,486

260,217

8,269

268,486

110,490

35,642

56,077

2,169

8,113

17,530

230,021

221,442

8,579

230,021

Trade and other payables, excluding social security and other taxes, are designated as financial liabilities carried at amortised cost.
Their fair value is deemed to be equal to their carrying value. Financial liabilities are denominated in pounds sterling.

69

238947 MMH AR pp66-pp80 FN  16/03/2016  17:54  Page 70

FINANCIAL STATEMENTS

Notes to the Consolidated Financial Statements

20. Trade and other payables (continued)

The Group finance the purchases of new and used vehicle inventories using vehicle funding facilities provided by various lenders
including the captive finance companies associated with brand partners. These finance arrangements generally have a maturity
of 90 days or less and the Group is normally required to repay amounts outstanding on the earlier of the sale of the vehicles that
have been funded under the facilities or the stated maturity date.

Amounts due to finance companies in respect of vehicle funding are included within trade payables and disclosed under vehicle
financing arrangements. Related cash flows are reported within cash flows from operating activities within the Consolidated
Statement of Cash Flows

Vehicle financing facilities are subject to LIBOR-based (or similar) interest rates. The interest incurred under these arrangements
is included within finance costs and classified as stock holding interest.

The comparative for vehicle financing arrangements (previously £30,788,000) has been restated from that disclosed in the
Admission document as the Directors consider that certain amounts previously disclosed as trade payables are better presented
as vehicle financing arrangements.

Management considers the carrying amount of trade and other payables to approximate to their fair value. Long-term payables
have been discounted where the time value of money is considered to be material.

21. Borrowings

Non-current

Asset backed financing

Current

Asset backed financing

Bank borrowings

Total borrowings

2015
Nominal and
book value
£’000

2014
Nominal and
book value
£’000

24,677

25,205

26,700

-

26,700

51,377

21,842

6,500

28,342

53,547

Total borrowings include bank borrowings, which are unsecured and asset backed financing, which is secured by a fixed charge
over specific vehicles held for leasing.

Asset backed finance in respect of the assets held for contract rental are secured by fixed charges over specific vehicles. The
related finance comprises chattel mortgages.

Interest rate profile of interest bearing borrowings

Fixed rate borrowings

Asset backed financing

Bank borrowings

Weighted average cost of drawn borrowings

2015

Debt
£’000

51,377

-

51,377

Average
effective
interest rate

2.39

0.00

2.39

2014

Debt
£’000

47,047

6,500

53,547

Average
effective
interest rate

2.69

0.00

2.36

70

238947 MMH AR pp66-pp80 FN  16/03/2016  17:54  Page 71

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Notes to the Consolidated Financial Statements

21. Borrowings (continued)

The carrying amounts and fair value of the non-current borrowings are as below.

Asset backed financing

2015
Carrying
amount
£’000

24,677

Fair
value
£’000

23,030

2014
Carrying
amount
£’000

25,205

The fair values are based on cash flows discounted using the prevailing rates.

Borrowings have the following maturity profile:

6 months or less

6 - 12 months

1 - 5 years

2015
£’000

13,770

12,930

24,677

51,377

Fair
value
£’000

22,548

2014
£’000

17,402

10,940

25,205

53,547

The Group has access to additional banking facilities amounting to £75,000,000 represented by a revolving credit facility of
£50,000,000 and an overdraft facility of £25,000,000. Subject to bank approval the revolving credit facility has an option to be
extended by a further £25,000,000. These facilities are available for general corporate purposes including acquisitions or working
capital requirements. Interest is chargeable on the amounts drawn under the facilities at between 1.2% and 2.0% above LIBOR.
The facilities are secured by cross guarantees granted by the certain members of the Group. No amounts had been drawn under
the facilities as at 31 December 2015. The facility is available until 27 June 2018. The Group is also able to extend the term of the
facility by up to 12 months.

22. Provisions

Closed sites Dilapidations
£’000

£’000

Onerous
leases
£’000

As at 1 January 2015

Reclassified from trade and other payables

Charged to income statement in the year

Utilised during the year

As at 31 December 2015

-

124

-

(2)

122

-

200

449

-

649

Provisions have been allocated between current and non-current as below.

Current

Non-current

Closed sites

-

-

280

-

280

2015
£’000

762

289

1,051

Total
£’000

-

324

729

(2)

1,051

2014
£’000

-

-

-

The Group manages its portfolio carefully and either closes or sells sites which no longer fit with the Group’s strategy. When sites
are closed or sold provisions are made for any residual costs or commitments.

71

238947 MMH AR pp66-pp80 FN  16/03/2016  17:54  Page 72

FINANCIAL STATEMENTS

Notes to the Consolidated Financial Statements

22. Provisions (continued)

Dilapidations and onerous leases

The Group operates from a number of leasehold premises under full repairing leases. The provision recognises that repairs are
required to put the buildings back into the state of repair required under the leases.

Where property commitments exist at sites which are closed or closing the Group provides for the unavoidable cost of those leases
post closure.

In prior periods provisions were presented within other payables.

23. Deferred tax

The analysis of deferred tax assets and deferred tax liabilities is as below.

Deferred tax assets:

– Deferred tax asset to be recovered within 12 months

58

94

2015
£’000

2014
£’000

Deferred tax liabilities:

– Deferred tax liability to be recovered after more than 12 months

Deferred tax liabilities (net)

The gross movement on the deferred income tax account is as below.

At 1 January

Deferred tax arising on IFRS conversion of  acquisition (note 11)

Deferred tax acquired

Income statement charge (note 8)

Credited directly to equity

At 31 December

(1,885)

(1,827)

(1,783)

(1,689)

2015
£’000

(1,689)

(903)

(136)

819

82

2014
£’000

(1,567)

(717)

(60)

655

-

(1,827)

(1,689)

The movement in deferred income tax assets and liabilities during the year, without taking into consideration the offsetting of
balances within the same tax jurisdiction, is as below.

Deferred tax liabilities

At 1 January 2014

Charged to the income statement

Acquisition of  subsidiaries (note 11)

At 31 December 2014

Charged/(credited) to the income statement

Impact of  corporation tax rate reduction

Acquisition of  subsidiaries (note 11)

At 31 December 2015

Fair
value
gains
£’000

53

-

-

53

(53)

-

-

-

Other
£’000

1,972

45

717

2,734

735

(271)

903

4,101

Total
£’000

2,025

45

717

2,787

682

(271)

903

4,101

Accelerated
tax
depreciation
£’000

-

-

-

-

-

-

-

-

72

238947 MMH AR pp66-pp80 FN  16/03/2016  17:54  Page 73

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Notes to the Consolidated Financial Statements

23. Deferred tax (continued)

Deferred tax assets

At 1 January 2014

Credited/(charged) to the income statement

Acquisition of  subsidiaries

At 31 December 2014

Credited/(charged) to the income statement

Impact of  corporation tax rate reduction

Credited directly to equity

Acquisition of  subsidiaries

At 31 December 2015

Accelerated
tax
depreciation
£’000

15

890

(60)

845

837

(36)

-

(136)

1,510

Fair
value
gains
£’000

313

(219)

-

94

(31)

(5)

-

-

58

Other
£’000

130

29

-

159

473

(8)

82

-

706

Total
£’000

458

700

(60)

1,098

1,279

(49)

82

(136)

2,274

Deferred income tax assets are recognised for tax loss carry forwards to the extent that the realisation of the related tax benefit
through future taxable profits is probable. The Group did not recognise deferred income tax assets of £359,000 (2014: £275,000)
in respect of losses amounting to £1,887,000 (2014: £1,380,000) that can be carried forward against future taxable income. The
losses amounting do not have an expiry date.

24. Financial instruments – risk management

The Group’s activities expose it to a variety of financial risks, including the effects of changes in debt market prices and interest
rates. The Group’s treasury management programme focuses on the unpredictability of financial markets and seeks to minimise
potential adverse effects on the financial performance of the Group.

The Board adopts an on-going process for identifying, evaluating and managing the significant risks faced by the Group.

Market risk – cash flow interest rate risk

The Group’s interest rate risk arises from long-term borrowings, which are issued at various rates that expose the Group to cash
flow interest rate risk. The Group’s borrowings are denominated in sterling.

The interest rate exposure of the Group is managed within the constraints of the Group’s business plan and the financial covenants
under its facilities.

Credit risk

Credit risk arises from cash and deposits with banks as well as credit exposures to customers. Individual customer risk limits are
set based on external credit reference agency ratings and the utilisation of these credit limits is regularly monitored. Further
disclosure on credit exposure is given in note 21.

Liquidity risk

Ultimate responsibility for liquidity risk rests with the Board of Directors, which has built an appropriate liquidity risk management
framework for the management of the Group’s short, medium and long-term funding and liquidity management requirements. The
Group manages liquidity risk by maintaining adequate reserves, banking facilities and reserve borrowing facilities by continuously
monitoring forecast and actual cash flows and matching the maturity profiles of financial assets and liabilities. Disclosed within
note 21 are the undrawn banking facilities that the Group has at its disposal in order to further reduce liquidity risk.

73

238947 MMH AR pp66-pp80 FN  16/03/2016  17:54  Page 74

FINANCIAL STATEMENTS

Notes to the Consolidated Financial Statements

24. Financial instruments – risk management (continued)

The table below analyses the Group’s financial liabilities into relevant maturity groupings based on the remaining period at the
balance sheet date to contractual maturity date. The amounts disclosed in the table are the contractual undiscounted cash flows.
All borrowings are denominated in sterling.

Borrowings (note 21)

Trade and other payables

(excluding other taxes and social security)

At 31 December 2015

Borrowings (note 21)

Trade and other payables

(excluding other taxes and social security)

At 31 December 2014

Capital risk management

Less than Between one
one year and five years
£’000

£’000

26,700

24,677

Total
£’000

51,377

257,745

284,445

8,269

32,946

266,014

317,391

Less than Between one
one year and five years
£’000

£’000

28,342

25,205

Total
£’000

53,547

219,273

247,615

8,579

33,784

227,852

281,399

The Group’s primary objective when managing capital is to safeguard the Group’s ability to continue as a going concern in order
to provide returns for shareholders and benefits for other stakeholders.

The Group must ensure that sufficient capital resources are available for working capital requirements and meeting principal and
interest payment obligations as they fall due.

Consistent with others in this industry, the Group monitors capital on the basis of the gearing ratio, which is calculated as net debt
divided by total capital. Net debt is calculated as total borrowings (including current and non-current borrowings as shown in the
consolidated balance sheet) less cash and cash equivalents. Total capital is calculated as total shareholders’ equity.

The Group had net debt of £27,247,000 at 31 December 2015 as disclosed in the Consolidated Cash Flow Statement (2014: Net
debt of £51,720,000).

74

238947 MMH AR pp66-pp80 FN  16/03/2016  17:54  Page 75

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Notes to the Consolidated Financial Statements

24. Financial instruments – risk management (continued)

Financial instruments by category

The table below analyses financial instruments by type. All such financial assets and liabilities are carried at amortised cost. For
all financial assets and liabilities fair value equals carrying value except for long term borrowings as disclosed in note 21.

Group assets

Assets as per the balance sheet

Trade and other receivables excluding pre-payments (note 18)

Cash and cash equivalents

Total

Group liabilities

Liabilities as per the balance sheet

Borrowings (note 21)

Trade and other payables excluding non-financial liabilities (note 20)

Total

Credit quality of financial assets

Counterparties without external credit rating:

Group 1

Group 2

Total unimpaired trade receivables

Cash at bank and short-term bank deposits

A (Negative)*

* Standard & Poor’s rating (long term)

Group 1 – new customers/related parties (less than 6 months).
Group 2 – existing customers/related parties (more than 6 months) with no defaults in the past.

2015
£’000

2014
£’000

38,193

24,130

62,323

70,301

1,826

72,127

51,377

268,486

319,863

53,547

230,021

283,568

2015
£’000

133

38,060

38,193

2014
£’000

540

69,761

70,301

24,130

1,826

75

238947 MMH AR pp66-pp80 FN  16/03/2016  17:54  Page 76

FINANCIAL STATEMENTS

Notes to the Consolidated Financial Statements

25. Called up share capital and share premium

At 1 January 2014

At 31 December 2014

Issued 27 March 2015

Subdivision

Issued 2 April 2015

At 31 December 2015

Number
of shares

2,250,000

2,250,000

30,000,000

18,140,625

26,845,638

77,236,263

Ordinary
shares
£’000

Share
premium
£’000

2,250

2,250

30,000

-

17,181

49,431

-

-

-

-

19,672

19,672

Total
£’000

2,250

2,250

30,000

-

36,853

69,103

On 27 March 2015 30 million ordinary shares of 100p each were issued at par and subsequently the entire share capital of the
Company was subdivided into 50,390,625 ordinary shares of 64p each.

On 2 April 2015 26,845,638 new ordinary shares of 64p each were issued at 149p each. The premium arising on issue is shown
net of transaction costs amounting to £3.1 million.

All shares issued are fully paid.

Share option schemes

Under the Company’s equity settled share option scheme, share options may be granted to executive Directors and to selected
employees and grants were made on admission of the Company to AIM. Share options comprise IPO Performance Awards and
IPO Restricted Share Awards. The extent of vesting of awards granted to executive Directors of the Company (other than an IPO
Restricted Share Award) will be subject to performance conditions set by the Remuneration Committee. The extent of vesting of
awards granted to other participants may be subject to performance conditions set by the Remuneration Committee.

As at 31 December 2015, outstanding share options under the IPO Performance Award were as below.

Award date

2 April 2015

No of shares
over which
options are
outstanding

1,459,730

Exercise
price

Date from
which
exercisable

Expiry
date

Nil

2 April 2018

2 April 2025

The performance condition applying to the IPO Performance Award will be based on the growth in the Company’s adjusted basic
earnings per share from 2014 to 2017. 25% of each IPO Performance Award will vest for achieving growth in adjusted earnings
per share of CPI plus 4% per annum increasing on a straight line basis up to 100% vesting for achieving growth in adjusted earnings
per share of CPI of plus 10% per annum. 50% of the IPO Performance Awards vest on the third anniversary of Admission and
the remaining 50% vest on the fourth anniversary subject to continued employment. The contractual life of the option is 10 years
and there are no cash settlement alternatives.

As at 31 December 2015, outstanding share options under the IPO Restricted Share Awards were as below.

Award date

2 April 2015

No of shares
over which
options are
outstanding

Exercise
price

Date from
which
exercisable

Expiry
date

469,798

Nil

2 April 2016

2 April 2025

The IPO Restricted Share Award vests in three equal tranches on the first, second and third anniversaries of Admission.

The fair value of options granted during the year was £1.49 (2014; N/A). The fair value of equity settled share options granted was
based on the offer price at the IPO on 2 April 2015 when the share options were granted.

A share based payment charge of £556,000 has been recognised during the period.

76

238947 MMH AR pp66-pp80 FN  16/03/2016  17:54  Page 77

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Notes to the Consolidated Financial Statements

26. Commitments and contingencies

Operating lease commitments

The Group, as lessee, has non-cancellable operating lease agreements. The lease terms are various and the majority of lease
agreements are renewable at the end of the lease period at market rate.

The lease expenditure charged to the income statement during the year is disclosed in note 4.

The future aggregate minimum lease payments under non-cancellable operating leases are set out below.

Within 1 year

Later than 1 year and less than 5 years

After 5 years

2015
£’000

7,804

29,206

62,031

99,041

2014
£’000

4,731

18,160

40,436

63,327

At Admission the Group entered formal lease arrangements with Marshall Group Properties Limited for certain properties, previously
occupied under informal arrangements.

27. Related party transactions

Key management compensation is given in note 6.

Details of  Directors interests in shares of  the Company are set out in the Directors Remuneration report.

During 2014 and 2015 the Directors were members of a car purchase loan scheme under which the following transactions were
made in the year. The Directors purchased 15 cars in 2015 (2014: 22) at a price of £1,043,000 (2014: £1,108,000) and sold back
13 (2014: 20) at a price of £899,000 (2014: £1,008,000).

The following table shows the aggregate transactions with companies within Marshall of Cambridge (Holdings) Limited other than
those of Marshall Motor Holdings plc.

2015

Marshall of  Cambridge (Holdings) Limited

Marshall of  Cambridge Aerospace Limited

Marshall Thermo King Limited

Marshall Fleet Solutions Limited

Marshall Group Properties Limited

Aeropeople Limited

Marshall Land Systems Limited

Marshall Specialist Vehicles Limited

MGPH Limited

Sales
£’000

Purchases
£’000

Year-end
balance
£’000

70

112

538

-

402

14

42

18

10

1,206

1,127

490

3

19

1,700

-

-

-

158

3,497

(110)

(59)

34

(8)

(147)

-

-

-

(55)

(345)

77

238947 MMH AR pp66-pp80 FN  16/03/2016  17:54  Page 78

FINANCIAL STATEMENTS

Notes to the Consolidated Financial Statements

27. Related party transactions (continued)

2014

Marshall of  Cambridge (Holdings) Limited

Marshall of  Cambridge Aerospace Limited

MGPH Limited

Marshall Thermo King Limited

Marshall Fleet Solutions Limited

Marshall of  Cambridge (Airport Properties) Limited

Aeropeople Limited

Marshall Land Systems Limited

28. Pensions

Post-employment benefits

Sales
£’000

114

197

-

1,071

-

(4)

2

15

Purchases
£’000

1,818

495

79

-

2

1,323

-

-

Year-end
balance
£’000

(16,222)

(157)

(4)

67

-

-

-

-

1,395

3,717

(16,316)

As detailed in accounting policy note 1, the Group accounts for all of its pension contributions as if they were part of a defined
contribution scheme.

The actuarial valuation for the defined benefit section of the Marshall Group Executive Pension Plan revealed a deficit on a technical
provisions basis of c£1.5 million as at 31 December 2013. Marshall of Cambridge (Holdings) Limited has paid all of its contributions
(£0.93 million) due under the current recovery plan to remove this deficit. Of the £0.93 million, £0.62 million was paid in FY15 and
this included a contribution of £125k made by the Group. The contributions by Marshall Motor Holdings plc. to this plan during
2015 were £41,000 (in addition to the above) (2014: £32,000).

The next actuarial valuation of the Marshall Group Executive Plan is expected as at 31 December 2016. The extent of any future
cash contributions by the Group will then be considered.

In line with the disclosure requirements of IAS19, for group schemes where there is no contractual agreement for charging the net
defined benefit cost between individual companies the information below details information about the defined benefit section of
the Marshall Group Executive Plan. The 2015 information will be included in the 2015 Annual Report of Marshall of Cambridge
(Holdings) Limited. These are disclosure items only and are not reflected in the Statement of Financial Position of Marshall Motor
Holdings plc.

Balance sheet obligations

– For fair value assets at end of  year

– For present value obligations at end of  year

Defined pension benefits

– Related deferred tax asset

Liability in the balance sheet

Income statement charge included in operating profit

– For defined pension benefits

78

2015
£’000

2014
£’000

34,546

(46,062)

(11,516)

2,073

(9,443)

34,119

(46,968)

(12,849)

2,570

(10,279)

(858)

(858)

(741)

(741)

238947 MMH AR pp66-pp80 FN  16/03/2016  17:54  Page 79

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Notes to the Consolidated Financial Statements

28. Pensions (continued)

Marshall of Cambridge (Holdings) Limited operates the Plan which has a section which provides defined benefits to members in
the form of a guaranteed level of pension payable for life. The level of benefits provided depends on members’ length of service
and their salary in the final years leading up to retirement. In the Plan, pensions in payment are generally updated in line with the
retail price index. The board of trustees must be composed of representatives of the Marshall of Cambridge (Holdings) Limited
and plan participants in accordance with the Trust Deed and Rules and legislation.

The significant actuarial assumptions were as set out below.

Discount Rate

RPI Inflation

CPI Inflation

Salary Growth Rate

Pension Growth Rate – RPI min 0%, max 5%

Pension Growth Rate – RPI min 3%

Pension Growth Rate – RPI min 2.7%, max 5%

Pension Growth Rate – RPI min 0%, max 8.5%

Post retirement mortality

Post retirement improvements

Plan assets are comprised as follows:

2015

3.60%

3.00%

2.00%

2.60%

3.00%

3.35%

3.21%

3.00%

2014

3.50%

3.16%

1.96%

2.90%

3.16%

3.29%

3.21%

3.16%

73%S1PXA

73%S1PXA

CMI 2013 table with 1.25% p.a.

CMI 2013 table with 1.25% p.a.

and 1.0% p.a. long term improvement 

and 1.0% p.a. long term improvement

trend for males and females 

trend for males and females

respectively (rebased to 2008)

respectively (rebased to 2008)

2015

UK Equities

Overseas Equities

Property

Liability Driven Investments

Dynamic Asset Allocation

Cash and Net Current Assets

Insured Pensions

Total

2014

UK Equities

Overseas Equities

Property

Liability Driven Investments

Dynamic Asset Allocation

Cash and Net Current Assets

Insured Pensions

Total

Total
£’000

4,737

10,165

7,159

4,280

5,895

129

2,181

%

14%

30%

21%

12%

17%

0%

6%

34,546

100%

Total
£’000

9,871

5,041

6,543

4,223

5,997

155

2,289

%

30%

15%

19%

12%

17%

0%

7%

34,119

100%

Quoted
£’000

4,737

10,165

7,159

4,280

5,895

129

-

32,365

Unquoted
£’000

-

-

-

-

-

-

2,181

2,181

Quoted
£’000

Unquoted
£’000

-

-

-

-

-

-

2,289

2,289

9,871

5,041

6,543

4,223

5,997

155

-

31,830

79

238947 MMH AR pp66-pp80 FN  16/03/2016  17:54  Page 80

FINANCIAL STATEMENTS

Notes to the Consolidated Financial Statements

28. Pensions (continued)

Through the defined benefit pension plan, the Group is exposed to a number of risks, the most significant of which are detailed
below:

Asset volatility

The Plan assets holds 80 per cent growth assets and these will not provide a match to the movement in the
discount rate. Consequently the difference in the values of the assets and liabilities will be quite volatile.
Returns on scheme assets will also be affected by changes in fixed income yields.

Inflation risk

The majority of benefits are linked to inflation and so increases in inflation will lead to higher liabilities (although
in most cases there are caps in place which protect against extreme inflation).

Life expectancy

Increases in life expectancy will increase plan liabilities, the inflation linkage of the benefits also means that
inflationary increases result in a higher sensitivity to increases in life expectancy.

29. Ultimate parent company

The parent undertaking of the largest group of undertakings for which group financial statements are drawn up and of which the
company is a member is Marshall of Cambridge (Holdings) Limited. This is both the immediate parent undertaking and the ultimate
parent undertaking. In light of its aggregate shareholding in the capital of the Company, Marshall of Cambridge (Holdings) Limited
has entered into a relationship agreement in order to regulate the relationship between it and the Company and enable the Company
to act independently  of Marshall of Cambridge (Holdings) Limited and its affiliates.

Copies of the group financial statements for Marshall of Cambridge (Holdings) Limited can be obtained from Airport House, The
Airport, Cambridge, CB5 8RY.

80

238947 MMH AR pp81-pp88 FN  16/03/2016  17:57  Page 81

Marshall Motor Holdings plc. |  Annual Report & Accounts 2015

Company Financial Statements

Statement of Financial Position
As at 31 December 2015

Fixed assets

Investments

Current assets

Debtors

Cash at bank and in hand

Creditors: Amounts falling due within one year

Net current assets/(liabilities)

Net assets

Capital and reserves

Called-up equity share capital

Share premium

Profit and loss account

Shareholders’ funds

Note

2015
£’000

2014
£’000

3

4

6

7

54,084

29,635

18,543

19,638

38,181

(7,992)

30,189

84,273

49,431

19,672

15,170

84,273

8,360

-

8,360

(27,634)

(19,274)

10,361

2,250

-

8,111

10,361

The financial statements were approved for issue by the Board of Directors and authorised for issue on 16 March 2016

M.D. Raban
Director
16 March 2016

81

238947 MMH AR pp81-pp88 FN  16/03/2016  17:57  Page 82

FINANCIAL STATEMENTS

Company Financial Statements

Statement of Changes in Equity

At 1 January 2014

Loss for the financial year

Dividends received

Other comprehensive income

Total comprehensive income for the year

Equity dividends paid

At 31 December 2014

Loss for the financial year

Dividends received

Other comprehensive income

Total comprehensive income for the year

Equity dividends paid

New shares issued

Share based payment charge

At 31 December 2015

Note

9

9

8

Total
£’000

11,522

(1,161)

4,500

-

3,339

(4,500)

10,361

(3,049)

25,000

-

21,951

(15,448)

66,853

556

84,273

Share
capital
£’000

2,250

-

-

-

-

-

2,250

-

-

-

-

-

Share
premium
£’000

Profit
and loss
account
£’000

-

-

-

-

-

-

-

-

-

-

-

-

9,272

(1,161)

4,500

-

3,339

(4,500)

8,111

(3,049)

25,000

-

21,951

(15,448)

-

556

47,181

19,672

-

-

49,431

19,672

15,170

82

238947 MMH AR pp81-pp88 FN  16/03/2016  17:57  Page 83

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Notes to the Company Financial Statements

1. Basis of preparation & statement of compliance

Marshall Motor Holdings plc is a Public Limited Company incorporated in England. The registered office is Airport House, The
Airport, Cambridge, CB5 8RY. The parent company financial statements have been prepared in compliance with FRS 102, the
Financial Reporting Standard applicable in the United Kingdom and the Republic of Ireland. The Company transitioned from
previously extant UK GAAP to FRS 102 as at 1 January 2014. An explanation of how transition to FRS 102 has affected the
reported financial position and financial performance is given in note 11.

The financial statements are prepared in sterling which is the functional currency of the company and rounded to the nearest
£’000.

The company accounts have also adopted the following disclosure exemptions as permitted by FRS 102:

•

•

•

Presentation of a cash-flow statement and related notes

Financial instrument-related disclosures

Key management personnel compensation disclosures

These exemptions have been applied as the Company is a qualifying entity and the shareholders of the Company have been
notified in writing and no objection has been made to the use of the exemptions. The Company is part of the consolidated financial
statements of Marshall Motor Holdings plc.

No profit and loss account is presented by the Company, as permitted under section 408 of the Companies Act 2006. The profit
of the Company for the year ended 31 December 2015 was £21,951,000 (2014: £3,339,000).

The auditors’ remuneration for audit and other services was £3,000 (2014: £3,000).

2. Accounting policies

Investments

Investments in subsidiaries are recognised at cost less any impairment. Impairments are recognised directly through profit and
loss.

3.

Investments

Cost

At 1 January 2015

Additions

At 31 December 2015

Subsidiary
undertakings
£’000

Joint
ventures
£’000

24,729

24,449

49,178

4,906

-

4,906

Total
£’000

29,635

24,449

54,084

83

238947 MMH AR pp81-pp88 FN  16/03/2016  17:57  Page 84

FINANCIAL STATEMENTS

Notes to the Company Financial Statements

3.

Investments (continued)

Subsidiaries

Name of Undertaking
Marshall Motor Group Limited
Marshall of  Cambridge (Garage Properties) 
Limited
Marshall Leasing Limited
Gates Contract Hire Limited
Tim Brinton Cars Limited
Marshall of  Ipswich Limited1
Marshall of  Peterborough Limited1
S.G. Smith Holdings Limited 
S.G. Smith Automotive Limited
S.G. Smith (Motors) Limited
S.G. Smith (Motors) Beckenham Limited
S.G. Smith (Motors) Forest Hill Limited
S.G. Smith (Motors) Crown Point Limited
S.G. Smith (Motors) Sydenham Limited
S.G. Smith (Motors) Croydon Limited
S.G. Smith Trade Parts Limited
Prep-Point Limited
Marshall of  Stevenage Limited1
Marshall Commercial Vehicles Limited
Marshall North West Limited
Marshall of  Scunthorpe Limited
Silver Street Automotive Limited 
Exeter Trade Parts LLP
Audi South West Limited
Hanjo Russell Limited
CMG 2007 Limited 
Astle Limited

Country of
incorporation
England and Wales

England and Wales
England and Wales
England and Wales
England and Wales
England and Wales
England and Wales
England and Wales
England and Wales
England and Wales
England and Wales
England and Wales
England and Wales
England and Wales
England and Wales
England and Wales
England and Wales
England and Wales
England and Wales
England and Wales
England and Wales
England and Wales
England and Wales
England and Wales
England and Wales
England and Wales
England and Wales

Principal activity
Franchised motor dealership

Property holding
Motor vehicle leasing
Dormant
Property holding
Franchised motor dealership
Franchised motor dealership
Holding company
Holding company
Property holding
Franchised motor dealership
Franchised motor dealership
Franchised motor dealership
Franchised motor dealership
Dormant
Motor parts sales
Maintenance and repair of  motor vehicles
Franchised motor dealership
Dormant
Franchised motor dealership
Franchised motor dealership
Franchised motor dealership
Motor parts sales
Dormant
Dormant
Holding company
Franchised motor dealership

Crystal Motor Group Limited

England and Wales

Franchised motor dealership

1 These subsidiaries are 99% directly owned

4. Debtors

Amounts owed by Group undertakings

Other debtors

VAT

Prepayments and accrued income

Deferred tax asset (note 5)

2015
£’000

17,470

700

54

197

122

2014
£’000

7,600

756

-

4

-

18,543

8,360

Amounts owed by Group undertakings are unsecured, bear no interest and have no fixed repayment date.

84

238947 MMH AR pp81-pp88 FN  16/03/2016  17:57  Page 85

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Notes to the Company Financial Statements

5. Deferred taxation

Deferred tax

At 1 January

Changes in provision

At 31 December

The balance of the deferred tax asset consists of the tax effect of the timing differences in respect of:

Other timing differences

Total deferred tax

6. Creditors: Amounts falling due within one year

Trade creditors

Amounts owed to Group undertakings

Corporation tax

Other taxes and social security

Other creditors

Accruals and deferred income

7. Share capital

77,236,263 ordinary shares of  64p (2014: £1) each

Ordinary shares

At 1 January

Issued on 27 March 2015

Issued on 2 April 2015

2015
£'000

-

122

122

2015
£'000

122

122

2015
£’000

24

2,478

1,965

58

2,517

950

7,992

2015
£’000

49,431

2015
£’000

2,250

30,000

17,181

49,431

2014
£'000

- 

- 

-

2014
£'000

-

-

2014
£’000

284

26,097

-

-

-

1,253

27,634

2014
£’000

2,250

2014
£’000

2,250

-

-

2,250

On 27 March 2015 30 million ordinary shares of 100p each were issued at par and subsequently the entire share capital of the
Company was subdivided into 50,390,625 ordinary shares of 64p each.

On 2 April 2015 26,845,638 new ordinary shares of 64p each were issued at 149p each. The premium arising on issue is shown
net of transaction costs amounting to £3.1 million.

85

238947 MMH AR pp81-pp88 FN  16/03/2016  17:57  Page 86

FINANCIAL STATEMENTS

Notes to the Company Financial Statements 

8. Share-based payments

Under the Company’s equity settled share option scheme, share options are granted to executive Directors and to selected
employees and were granted on admission of the Company to AIM. The extent of vesting awards granted to executive Directors
of the Company (other than the IPO Restricted Share Award) will be subject to performance conditions set by the remuneration
committee. The extent of vesting of awards granted to other participants may be subject to performance conditions set by the
Remuneration Committee.

IPO Performance Award

The performance condition applied to the IPO Performance Award will be based on the growth in the Company’s adjusted basic
earnings per share from 2014 to 2017. 25% of each IPO Performance Award will vest for achieving growth in adjusted earnings
per share of CPI plus 4% per annum increasing on a straight-line basis up to 100% vesting for achieving growth in adjusted
earnings per share of CPI plus 10% per annum. 50% of the IPO Performance Award vest on the third anniversary of Admission
and the remaining 50% vest on the fourth anniversary subject to continued employment. The contractual life of the option is 10 years
and there are no cash settlement alternatives.

IPO Restricted Share Award

The IPO Restricted Share Award vests in three equal tranches on the first, second and third anniversaries of Admission.

The expense recognised for share-based payments in respect of employee services received during the year to 31 December
2015 is £556,000 (2014: £nil).

The following tables illustrate the number and weighted average exercise price (WAEP) of, and movements in, share options during
the year.

IPO Performance Award

Outstanding as at 1 January

Granted during the year

Forfeited during the year

Exercised

Expired during the year

2015
No.

-

1,486,575

(26,845)

-

-

Outstanding as at 31 December

1,459,730

Exercisable as at 31 December

IPO Restricted Share Award

Outstanding as at 1 January

Granted during the year

Forfeited during the year

Exercised

Expired during the year

Outstanding as at 31 December

Exercisable as at 31 December

-

2015
No.

-

469,798

-

-

-

469,798

-

2015
WAEP

2014
No.

2014
WAEP

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2015
WAEP

2014
No.

2014
WAEP

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

The fair value of options granted during the year was £1.49 (2014: N/A). The fair value of equity settled share options granted was
based on the offer price at Admission on 2 April 2015 when the share options were granted.

86

238947 MMH AR pp81-pp88 FN  16/03/2016  17:57  Page 87

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Notes to the Company Financial Statements  

9. Dividends

Paid during the year

Final dividend for 2013

Final dividend for 2014

Interim dividend for 2015

2015
£’000

-

15,000

448

2014
£’000

4,500

-

-

A final dividend of £15,000,000 for the year ended 31 December 2014 was paid in March 2015 before Admission. This represented
a payment of 666.67p per ordinary share in issue at that time and 426.67p per share after adjustment to reflect the impact of the
sub-division of shares described in note 7. A final dividend of £4,500,000 for the year ended 31 December 2013 was paid in 2014
representing a payment of 200p per ordinary share in issue and 128p per share after adjustment to reflect the impact of the sub-
division of shares described in note 7.

An interim dividend in respect of the year ended 31 December 2015 of £448,000 was paid on 25 September 2015.

A final dividend of 2.40p per share in respect of the year ended 31 December 2015 is to be proposed at the annual general
meeting on 24 May 2016. The ex-dividend date will be 21 April 2016 and the associated record date will be 22 April 2016. This
dividend will be paid subject shareholder approval on 27 May 2016 and these financial statements do not reflect this final dividend
payable.

10. Transactions with related parties

The Company has taken advantage of exemption, under the terms of Section 33 of FRS 102, not to disclose related party
transactions with wholly owned subsidiaries within the Group

The parent undertaking of the largest group of undertakings for which group financial statements are drawn up and of which the
Company is a member is Marshall of Cambridge (Holdings) Limited and is therefore considered to be the ultimate parent company.
The parent company of the smallest such group is Marshall Motor Holdings plc and this is also the immediate parent undertaking.

Copies of the group financial statements for Marshall of Cambridge (Holdings) Limited can be obtained from Airport House, The
Airport, Cambridge, CB5 8RY.

87

238947 MMH AR pp81-pp88 FN  16/03/2016  17:57  Page 88

FINANCIAL STATEMENTS

Notes to the Company Financial Statements  

11. Transition to FRS 102

The Company has adopted FRS 102 for the year ended 31 December 2015. Whilst the transition to FRS 102 from old UK GAAP
has had no effect on the Company’s reported financial position or financial performance as at 1 January 2014 or 31 December
2014, there have been several presentational differences which are reflected in these financial statements. No transitional provisions
on conversion to FRS 102 have been applied.

88

238947 MMH AR pp89-pp90  16/03/2016  17:58  Page 89

Marshall Motor Holdings plc |  Annual Report & Accounts 2015

Notice of Annual General Meeting

Notice is hereby given that the Annual General Meeting (the “AGM”) Marshall Motor Holdings Plc (the “Company”) will be held at
Airport House, the Airport, Cambridge CB5 8RY on 24 May 2016 at 11.00 a.m. for the following purposes of considering and, if
thought fit, passing the following resolutions which will all be proposed as ordinary resolutions:

1. Report and accounts
To receive the audited annual accounts of the Company for the year ended 31 December 2015 together with the directors’ reports
and the auditors’ report on those annual accounts.

2. Declaration of dividend
To declare a final dividend of 2.40p per ordinary share for the year ended 31 December 2015 payable on 27 May 2016 to
shareholders who are on the register of members of the Company on 22 April 2016.

3. Re-appointment of director
To re-appoint Alan Ferguson as a director, who, having been appointed since the last annual general meeting of the Company,
retires in accordance with the Company’s articles of association and offers himself for reappointment.

4. Re-appointment of director
To re-appoint Sarah Dickins as a director, who, having been appointed since the last annual general meeting of the Company,
retires in accordance with the Company’s articles of association and offers herself for reappointment.

5. Re-appointment of director
To re-appoint Francesca Ecsery as a director, who, having been appointed since the last annual general meeting of the Company,
retires in accordance with the Company’s articles of association and offers herself for reappointment.

6. Re-appointment of director
To re-appoint Christopher Sawyer as a director, who, having been appointed since the last annual general meeting of the Company,
retires in accordance with the Company’s articles of association and offers himself for reappointment.

7. Re-appointment of director
To re-appoint Mark Raban as a director, who, having been appointed since the last annual general meeting of the Company, retires
in accordance with the Company’s articles of association and offers himself for reappointment.

8. Re-appointment of auditors
To re-appoint Ernst & Young LLP as auditors of the Company to hold office from the conclusion of this Annual General Meeting
until the conclusion of the next general meeting at which accounts are laid before the Company.

9. Auditors’ remuneration
To authorise the directors to determine the remuneration of the auditors.

Dated 21 March 2016
By Order of the Board

Stephen Jones
Company Secretary

Registered Office:
Airport House
The Airport
Cambridge
CB5 8RY

89

238947 MMH AR pp89-pp90  16/03/2016  17:58  Page 90

SHAREHOLDER INFORMATION

Notice of Annual General Meeting (continued)

Notes
1. Pursuant to Regulation 41 of the Uncertificated Securities Regulations 2001 (as amended), only those members registered
in the register of members of the Company at 11.00 a.m. on 20 May 2016 (or if the AGM is adjourned, 48 hours before the
time fixed for the adjourned AGM) shall be entitled to attend and vote at the AGM in respect of the number of shares registered
in their name at that time. Any changes to the register of members after such time shall be disregarded in determining the
rights of any person to attend or vote at the AGM.

2.

3.

If you wish to attend the AGM in person, you should make sure that you arrive at the venue for the AGM in good time before
the commencement of the meeting. You may be asked to prove your identity in order to gain admission.

In the case of joint holders of shares, the vote of the first named in the register of members who tenders a vote, whether in
person or by proxy, shall be accepted to the exclusion of the votes of other joint holders.

4. A member that is a company or other organisation not having a physical presence cannot attend in person but can appoint
someone to represent it. This can be done in one of two ways: Either by the appointment of a proxy (described in Note 6
below) or of a corporate representative. Members considering the appointment of a corporate representative should check
their own legal position, the Company’s articles of association and the relevant provision of the Companies Act 2006.

5. The following documents are available for inspection at the registered office of the Company during the usual business hours
on any weekday (Saturday, Sunday or public holidays excluded) from the date of this notice until the conclusion of the AGM
and will also be available for inspection at the place of the AGM from 9 a.m. on the day of the AGM until its conclusion:

(a) Copies of the executive directors’ service contracts with the Company and any of its subsidiary undertakings.

6. CREST members who wish to appoint a proxy or proxies through the CREST proxy appointment service may do so for the
Meeting (and any adjournment thereof) by following the procedures described in the CREST Manual. CREST personal
members or other CREST sponsored members (and those CREST members who have appointed a voting service provider)
should refer to their CREST sponsor or voting service provider, who will be able to take the appropriate action on their behalf.
In order for a proxy appointment or instruction made by means of CREST to be valid, the appropriate CREST message
(a “CREST Proxy Instruction”) must be properly authenticated in accordance with Euroclear UK & Ireland Limited’s (“Euroclear”)
specifications  and  must  contain  the  information  required  for  such  instructions,  as  described  in  the  CREST  Manual.
The message (regardless of whether it relates to the appointment of a proxy or to an amendment to the instruction given to a
previously appointed proxy) must, in order to be valid, be transmitted so as to be received by Capita Registrars, RA10, by
11.00 a.m. on 20 May 2016. For this purpose, the time of receipt will be taken to be the time (as determined by the timestamp
applied to the message by the CREST Applications Host) from which Capita Registrars is able to retrieve the message by
enquiry to CREST in the manner prescribed by CREST. After this time any change of instructions to proxies appointed through
CREST should be communicated to the appointee through other means.

CREST members (and, where applicable, their CREST sponsors or voting service providers) should note that Euroclear does
not make available special procedures in CREST for any particular messages. Normal system timings and limitations will
therefore apply in relation to the input of CREST Proxy Instructions. It is the responsibility of the CREST member concerned
to take (or if the CREST member is a CREST personal member or sponsored member or has appointed a voting service
provider, to procure that his CREST sponsor or voting service provider takes) such action as shall be necessary to ensure that
a message is transmitted by means of the CREST system by any particular time. In this connection, CREST members (and,
where applicable, their CREST sponsors or voting service providers) are referred, in particular, to those sections of the CREST
Manual (available at www.euroclear.com/CREST) concerning practical limitations of the CREST system and timings. 

The Company may treat as invalid a CREST Proxy Instruction in the circumstances set out in Regulation 35(5)(a) of the
Uncertificated Securities Regulations 2001 (as amended).

90

238947 MMH AR Inner Cover Pages  17/03/2016  14:37  Page 2

Marshall Motor Holdings plc  |  Annual Report & Accounts 2015

Company Information

Registered Office:

Company websites:

Nominated Adviser and Broker:

Auditors:

Joint Bankers:

Legal Advisers to the Company:

Registrar:

Airport House
The Airport
Cambridge CB5 8RY

www.mmhplc.com
www.marshallweb.co.uk
www.marshall-leasing.co.uk

Investec Bank plc
2 Gresham Street
London EC2V 7QP

Ernst & Young LLP
One Cambridge Business Park
Cambridge CW4 0WZ

Barclays Bank plc
1 Churchill Place
London E14 5HP

HSBC Bank plc
8 Canada Square
London E14 5HQ

Dentons UKMEA LLP
One Fleet Place
London EC4M 7WS

Capita Registrars Limited
The Registry
34 Beckenham Road
Beckenham
Kent BR3 4TU

91

7
4
9
8
3
2

t
n
i
r

P

l

i

i

a
c
n
a
n
F
n
a
v
i
r
e
P

 
 
 
 
238947 MMH AR FC_ISC  17/03/2016  14:28  Page 1

Annual Report & Accounts 2015

M
a
r
s
h
a
l
l

l

M
o
t
o
r
H
o
d
n
g
s
p
l
c

i

|

A
n
n
u
a
l

R
e
p
o
r
t

&
A
c
c
o
u
n
t
s
2
0
1
5

www.mmhplc.com

Marshall Motor Holdings plc 
Airport House, The Airport, 
Cambridge, CB5 8RY

© 2015 Marshall Motor Holdings plc

106 years of putting 
our customers
above all else