Pinnacle Investment Management Group
Annual Report 2016

Plain-text annual report

I P N N A C L E I N V E S T M E N T M A N A G E M E N T G R O U P L I M T E D I pinnacleinvestment.com.au A N N U A L R E P O R T 2 0 1 6 ANNUAL REP ORT 2016 00  Contents 0 Glossary 01 Chairman’s Letter 02 Overview of the Company 03 Operating & Financial Report 04 Community 05 Directors’ Profiles 06 Directors’ Report 07 Auditor’s Independence Declaration 08 Corporate Governance 09 Financial Statements 10 Directors’ Declaration 11 Independent Audit Report 12 Shareholder Information 13 Corporate Directory Page 2 4 6 7 18 21 26 43 44 65 128 129 131 133 Financial Calendar Special dividend record date Special dividend payment date 24 August 2016 9 September 2016 Final dividend record date 15 September 2016 Final dividend payment date Annual General Meeting Interim Results announcement Full Year Results announcement 3 October 2016 14 November 2016 24 February 2017 25 August 2017 The Company reserves the right to change these dates. Annual General Meeting The 2016 Annual General Meeting will be held at 11am on 14 November 2016 at the Company’s Sydney office at Level 35, 60 Margaret Street, Sydney. Notice of the Annual General Meeting will be forwarded to all shareholders separately. 1  0  Glossary 2015 Annual Report 2016 Annual Report 2015 financial year 2016 financial year Antipodes ASX Principles Auditor Board Board Committees Chairman Company Company Secretary Deutsche Australia EOSP Foundation FUM Group Group Disclosure Officers means the Group’s annual report for the 2015 financial year. means this document. means the period 1 July 2014 to 30 June 2015. means the period 1 July 2015 to 30 June 2016. means Antipodes Partners Limited. means the Corporate Governance Principles and Recommendations, 3nd Edition, published by the ASX Corporate Governance Council. means PricewaterhouseCoopers. means the board of directors of Pinnacle Investment Management Group Limited. means the Audit, Compliance and Risk Management Committee and the Remuneration and Nominations Committee. means Mr Alan Watson, the Chairman of the Board. means Pinnacle Investment Management Group Limited. means Mrs Eleanor Padman. means Deutsche Australia Limited, which held a 18.8% shareholding in the Company at the start of the 2016 financial year. As at the date of this report, Deutsche Australia no longer has any shareholding in the Company. means the Pinnacle Investment Management Group Employee Option Share Plan. means the charitable foundation founded by the Company in 1986 for long term sustainable giving, formerly known as the Wilson Foundation. means funds under management. means Pinnacle Investment Management Group Limited (known as Wilson Group Limited until 25 August 2016) and the entities that it controlled during the 2016 financial year. means during the 2016 financial year each of the Managing Director, the chief financial officer, company secretary and the managing director and chairman of Pinnacle. means Hyperion Asset Management Ltd. LTI Managing Director Hyperion Key Management Personnel means the individuals identified as such on page 29 of the 2016 Annual Report. means long term incentives offered to individuals who are staff of the Group. means, for the period 1 July 2015 to 16 August 2016, Mr Alexander Grant and from 17 August 2016, Mr Ian Macoun. Mr Macoun was appointed as an executive director on 25 August 2016. means Next Financial Limited. means net loss after tax. means net profit after tax. means net tangible assets. means Palisade Investment Partners Ltd. means Pinnacle Investment Management Limited. means the transaction approved by shareholders on 16 August 2016, pursuant to which the Company Next Financial NLAT NPAT NTA Palisade Pinnacle Pinnacle Acquisition 2  Pinnacle Group Pinnacle Boutiques Pinnacle LTI scheme Plan Rules Plato Principal Investments Priority Funds Resolution Capital Securities business Sellers Sellers’ Executives Solaris Spheria STI VWAP acquired the 24.99% equity stake in Pinnacle it did not already own. means Pinnacle Investment Management Limited and the Pinnacle Boutiques. means each of Hyperion Asset Management Ltd, Palisade Investment Partners Ltd, Plato Investment Management Ltd, Solaris Investment Management Limited, Resolution Capital Limited, Antipodes Partners Limited and Spheria Asset Management Pty Ltd. Means the long term incentive scheme described at pages 32 of the 2016 Annual Report. means the rules governing the Company’s EOSP. means Plato Investment Management Ltd. means investments made by the Group in listed and unlisted equities and unit trusts on its own behalf and for its own benefit. means each of Wilson Group Priority Growth fund and Wilson Group Priority Core fund, being two proprietary funds managed by Priority Investment Management Pty Ltd during the 2016 financial year. On 1 July 2016, Spheria Asset Management Pty Ltd was appointed as the new investment manager. means Resolution Capital Limited. means the corporate finance, equity capital markets, institutional sales, research and private wealth management businesses previously owned by the Company and branded Wilson HTM. means each of Macoun Superannuation Fund Pty Ltd as trustee for the Macoun Superannuation Fund, Macoun Generation Z Pty Ltd as trustee for the Macoun Generation Z Family Trust, Usinoz Pty Ltd as trustee for the Ihlenfeldt Family Trust, AJF Squared Pty Ltd as trustee for the AJF Squared Family Trust, Andrew Chambers and Fleur Chambers as trustee for the Andrew C Chambers Family Trust, Adrian Whittingham as trustee for the Whittingham Family Trust, Mark Cormack and Melanie Cormack as trustee for the Cormack Family Trust and Dellreid Pty Limited as trustee for the Dell Family Trust. means Ian Macoun in respect of Macoun Superannuation Fund Pty Ltd and Macoun Generation Z Pty Ltd; Alex Ihlenfeldt in respect of Usinoz Pty Ltd; Andrew Findlay in respect of AJF Squared Pty Ltd; Andrew Chambers in respect of the Andrew C Chambers Family Trust; Adrian Whittingham in respect of the Whittingham Family Trust; Mark Cormack in respect of the Cormack Family Trust; and Matthew Dell in respect of Dellreid Pty Limited. means Solaris Investment Management Limited. means Spheria Asset Management Pty Ltd. means short term incentive. means volume weighted average price. 3  01  Chairman’s Letter Dear Shareholder The period under review has seen the continuation of the repositioning of the Group as a growing funds management business. This commenced in 2015 with the sale of the Securities business and progressed this year with the acquisition of the remaining 24.99% equity stake in Pinnacle that was not previously owned. The resulting reorganisation of our shareholder register has aligned our key management team with our existing and new investors through common equity ownership. In addition, the Pinnacle Acquisition gives shareholders access to 100% of Pinnacle’s cash flows, and allows for increased efficiencies. The Board firmly believes that the Company is now appropriately positioned for future growth. On 25 August 2016, the Company changed its name to Pinnacle Investment Management Group Limited. From today, its ASX ticker has changed to PNI. During the year, Pinnacle enjoyed strong financial performance. Funds under management increased to $19.8 billion as at 30 June 2016, up from $16.1 billion as at 30 June 2015 and $18.9 billion as at 31 December 2015. Profit in Pinnacle grew 43% to $10.6 million net profit after tax. Pinnacle’s share of net profit after tax from its equity interest in the Pinnacle Boutiques was $15.9 million, an increase of 34% from 2015. The Group’s 2016 financial year result included:  Group NPAT of $4.5 million, delivering earnings of 4.1 cents per share  Group NPAT from continuing operations of $5.8 million, up 49% from $3.9 million (before DTA de-recognition) in prior year  Earnings per share from continuing operations of 5.2 cents, up 44% from 3.6 cents (before DTA de-recognition)  Pinnacle FUM of $19.8 billion, up 23% from $16.1 billion  Pinnacle’s share of NPAT of $15.9 million from Pinnacle Boutiques, up 34% from $11.9 million  Pinnacle NPAT of $10.6 million, up 43% from $7.4 million  NTA of $49.6 million or $0.45 per share, up 12.5% from $0.40  Cash and Principal Investments of $24.5 million as at 30 June 2016. Further detail of the financial and operating performance of each segment is set out in the Operating and Financial Review beginning on page 7. In the 2017 financial year, the Board will be focused on supporting further growth in the Company and its affiliated boutique investment management firms, whilst being careful to continue our strong support of the existing affiliated boutiques and to preserve the ‘Pinnacle model’. This is expected to involve both organic growth of, and some 4  additional initiatives in, the seven existing affiliated firms. Initiatives in this regard are already under way, such as the recent launch of the Antipodes LIC, and more are being considered. Other growth initiatives may include strategically adding additional affiliated firms at a measured pace, as well as exploring a number of initiatives in additional markets complementary to the existing primary Pinnacle distribution channels. From 1 September 2016, a reconfigured Board will be in place comprised of seven directors, including two new non-executive directors in Ms Deborah Beale and Mr Gerard Bradley, and three executive directors, namely Mr Ian Macoun as the Company’s new Managing Director, Mr Adrian Whittingham and Mr Andrew Chambers. At the Company's EGM on 16 August 2016, the Board thanked the retiring Managing Director Mr Alexander Grant, and prior Chairman Mr Steven Skala AO, for their significant contributions over the recent past in enabling the transformation of the Company. Sandy’s retirement marks the end of an incredibly distinguished twenty four year career with the Company, culminating in the past three years as Managing Director. In today’s world such loyalty and dedication are rare and Sandy can leave us knowing that shareholders, clients and staff have all been beneficiaries of his time at the Company. Steven joined the Board in 2002 and became Chairman in 2011. He has guided the Board with great dexterity and persistence through some turbulent times, and he leaves with our recognition of, and thanks for, the very important role he played in the strategic repositioning of the Company. The shareholder register reorganisation referred to above also brought to conclusion Deutsche Bank's time as a shareholder. From the start of their shareholding, Deutsche Bank has been a steadfast strategic partner of the Group, and we thank them for their support throughout the transformation of the Group to its current position. Our people, within both the boutiques and our Company, are the foundation of the Group and are responsible for driving and delivering value for shareholders. The Board thanks all of the respective executive management teams and their staff for their hard work and commitment in maintaining and growing the Group’s profitability. Finally, we thank you the shareholders for your support. We recognise that there remains much to do and approach the 2017 financial year determined to grow the business within our new corporate structure. We look forward to welcoming you to the Group’s Annual General Meeting, which will be held in Sydney at 11am on Monday 14 November 2016. Yours sincerely Alan Watson 30 August 2016 5  02  Overview of Pinnacle Investment Management Group Limited In May 2016, the Company entered into a share sale agreement to acquire the remaining 24.99% equity stake in Pinnacle. This transaction completed on 25 August 2016 when the Company was renamed Pinnacle Investment Management Group Limited (ASX : PNI). The Company’s transition away from transactional based broking to a model centred around the investment management philosophy of client outperformance began with the establishment of Hyperion Asset Management in 1996. Hyperion subsequently became the backbone of the creation of Pinnacle in 2006 and its ‘house of boutiques’. Today, the Company’s operations include seven boutique fund managers with differing investment styles and offerings, addressing different asset classes, and providing fund managers with:  equity in the boutique manager  seed capital and working capital  distribution services, business support and responsible entity services to allow fund managers to focus on delivering fund outperformance  independence, including separate management reporting structures and boards of directors, whilst still offering the economies of scale and financial support inherent in being part of a larger investment group The diagram below shows the composition of the Group’s principal operating entities today: 6  03  Operating & Financial Review Financial Performance  Group NPAT of $4.5 million, delivering earnings of 4.1 cents per share  Group NPAT from continuing operations of $5.8 million, up 49% from $3.9 million (before DTA de-recognition) in prior year  Earnings per share from continuing operations of 5.2 cents, up 44% from 3.6 cents (before DTA de-recognition)  Pinnacle NPAT of $10.6 million, up 43% from $7.4 million  Pinnacle’s share of NPAT from Pinnacle Boutiques of $15.9 million, up 34% from $11.9 million  Pinnacle FUM of $19.8 billion, up 23% from $16.1 billion  Special fully franked dividend of 5.0 cents per share payable on 9 September 2016  Final fully franked dividend of 1.9 cents per share payable on 3 October 2016  NTA of $49.6 million or $0.45 per share, up 12.5% from $0.40 in prior year  Cash and Principal Investments of $24.5 million as at 30 June 2016. Composition of Group Results ($m) 1H2016 2H2016 FY2016 FY2015 Pinnacle* Principal Investments Priority Funds Next Financial Wilson Group Group Overhead (unallocated) Profit before tax (PBT) from continuing operations Minority Interests PBT from continuing operations attributable to shareholders Tax (expense)/benefit - continuing operations pre DTA derecognition NPAT from continuing operations attributable to shareholders pre DTA derecognition Derecogniton of deferred tax assets** NPAT from continuing operations attributable to shareholders Discontinued operations - Securities business Total profit / (loss) attributable to shareholders 4.7 0.5 (0.2) (0.4) (0.1) (1.3) 3.3 (1.2) 2.1 (0.1) 2.0 0.0 2.0 (0.3) 1.8 5.9 0.2 0.7 (0.2) 0.7 (1.4) 5.2 (1.4) 3.8 0.0 3.8 0.0 3.8 (0.9) 2.7 10.6 0.7 0.5 (0.6) 0.6 (2.7) 8.5 (2.6) 5.9 (0.1) 5.8 0.0 5.8 (1.2) 4.5 7.4 0.1 (0.3) (0.7) (0.9) (2.2) 4.3 (1.6) 2.7 1.2 3.9 (9.4) (5.5) (3.5) (9.0) * Includes share of Pinnacle Boutiques profit after tax 8.0 7.9 15.9 11.9 Earnings per share: From continuing operations before DTA derecognition** From continuing operations Total attributable to shareholders ** In the prior year NPAT from continuing operations was reduced by $9.4 million relating to the de-recognition of deferred tax assets 3.4 3.4 2.5 5.2 5.2 4.1 1.8 1.8 1.6 3.6 (5.2) (8.5) Nature of operations During the 2016 financial year, the Group had two business segments – Pinnacle and Wilson Group. Pinnacle develops and supports boutique fund managers. During the 2016 financial year Pinnacle was owned 75.01% by the Company, with the balance held by senior executives. Pinnacle has shareholdings of between 23.5% and 49.9% in each of the Pinnacle Boutiques which together have $19.8 billion in FUM as at 30 June 2016. Pinnacle Boutiques generated aggregate revenues of $ million, up 29%. Of this, $17.8 million was performance fees. Pinnacle generated NPAT of $10.6 million, up 43% on the 2015 financial year. Pinnacle’s share of NPAT from Pinnacle Boutiques was $15.9 million, up 34% on the prior year. The Pinnacle Group employed a total of 118 staff as at 30 June 2016. 7    The financial results for the Group consolidate Pinnacle and applies equity accounting to the Pinnacle Boutiques. This approach is unchanged from the 2015 financial year. The revenues of Pinnacle relate to the provision of support services and distribution. The Pinnacle Boutiques’ key revenue streams are management and performance fees based on the value and performance of FUM. Note 31 shows the equity accounted contribution from Pinnacle Boutiques with further commentary in relation to Pinnacle on pages 120 to 121. Following the sale of the Securities business, which completed on 1 July 2015, the Group retained ownership of Priority Funds business, Next Financial and Principal Investments. During the 2016 financial year, the Group held Principal Investments primarily through its investment in the Wilson Group Priority Funds. Gains and losses on the fair value of Principal Investments are recognised through the profit and loss statement. At 30 June 2016 the Group’s investment in the Priority Funds was $7.3 million. The Group redeemed $2.5 million of this balance during July 2016. In late 2010, Next Financial ceased offering new products to focus on servicing existing products to their maturity or earlier if clients choose to redeem. The final instalment product matured during June 2015 and the operations of Next Financial have been wound down during the 2016 financial year. Next Financial’s Australian financial services license was cancelled on 8 July 2016. As at 30 June 2016, Wilson Group employed seven people. Principal Activities The principal activities of the Group during the 2016 financial year are set out below. Pinnacle  developing and operating funds management businesses  providing distribution services, business support and responsible entity services to Pinnacle Boutiques and external parties Wilson Group  specialty funds management through Priority Funds  selected investments as Principal, and  servicing structured products for clients. 8  Business strategies and prospects for future financial years Following the Pinnacle Acquisition, the Group’s strategy is to continue to pursue excellence in its funds management businesses and to support the growth of Pinnacle and the Pinnacle Boutiques. The Pinnacle Acquisition will create efficiencies consistent with the Group’s new simpler organisational structure. The Group will also ensure that it manages any legacy issues arising from its former ownership of the Securities business and that Next Financial is brought to a conclusion. Pinnacle will seek to strengthen its portfolio of boutique asset managers through investment and service provision including high quality distribution, responsible entity and funds management infrastructure services. As part of its growth, Pinnacle will consider assisting experienced and talented investment professionals to establish new boutiques in investment strategies where we know demand to be strong and special talent to be needed. Pinnacle anticipates further strong growth, underpinned by expectations that the funds management industry, which it serves, will continue to expand over the coming decade and beyond. Economic Conditions and Material Business Risks The material business risks facing the Group are equity market conditions and regulatory risk. Equity Market Conditions The Group’s results and outlook are influenced by prevailing equity market conditions, and to a lesser extent, by broader economic trends and investor sentiment. The ASX 200 fell by 4% over the course of the 2016 financial year; despite this Pinnacle was able to grow its FUM and revenues and remains well positioned to capitalise on improved market conditions in the future. Regulatory Risk With the disposal of the Securities business, the regulatory framework in which the Group operates has changed materially. The Group will continue to be vigilant in regards to regulatory requirements which are continually evolving and which remain very important. Review of Group Results Group net profit after tax from continuing operations attributable to shareholders for the 2016 financial year is $5.8 million. Total profit attributable to shareholders is $4.5 million, after recognizing costs of $1.2 million relating to the discontinued Securities business.  Pinnacle delivered a $10.6 million net profit for the 2016 financial year, a 43% improvement. This was underpinned by a 34% increase to $15.9 million in Pinnacle’s share of net profits from the Pinnacle Boutiques. FUM increased by 23% to $19.8 billion in the 2016 financial year. 9   The Group’s liquidity has improved with cash and Principal Investments of $24.5 million at 30 June 2016, up from $19.8 million (excluding discontinued operations) at 30 June 2015. The Group continues to have no corporate debt.  Group net tangible assets have increased by 11% to $49.6 million with earnings per share of 5.2 cents up 44% from 3.6 cents from continuing operations (before DTA de- recognition) in the 2015 financial year.  The Wilson Group segment produced a profit of $0.6 million. This was a $1.5 million improvement from the loss of $0.9 million in the prior financial year, and largely relates to the improved performance of the Priority Funds and Principal Investments during the year.  The Board has declared: o a fully franked special dividend of 5 cents per share payable on 9 September 2016 for shareholders recorded on the register at 24 August 2016 o a fully franked final dividend of 1.9 cents per share payable on 3 October 2016. Statement of Comprehensive Income The following commentary provides an analysis of revenues and expenses for the 2016 financial year for continuing operations in comparison to the prior comparative period. During the 2016 financial year, the Group’s revenues and expenses were derived from Wilson Group and Pinnacle but excluded the revenues and expenses of the Pinnacle Boutiques, the effect of which is reflected through Pinnacle’s share of the equity accounted net profits. Further information in relation to Pinnacle Boutiques and their effect on the Group can be found at page 13. Revenue from Continuing Operations Revenue from continuing operations increased $0.8 million to $8.4 million, from $7.7 million in the prior period. Further information regarding revenues are provided below and at Note 5 of the financial statements. Service Charges to Entities under Joint Control Service charges to entities under joint control increased by $1.3 million to $5.7 million. This is reflective of the growth of the Pinnacle Boutiques including additional Pinnacle Boutiques being added in recent years. Performance Fees Performance fees for Pinnacle Boutiques are included in the equity accounted net profits attributable to Pinnacle Boutiques and are not separately included in the Group’s financial statements. 10  During the 2016 financial year, performance fees of $1.1 million were earned by the Wilson Group Priority Funds. This was a substantial increase on the prior year and is reflective of the strong performance of the funds during the year. Further information is provided in note 5 of the financial statements. Fund Management Fees Fund Management Fees were $0.9 million during the year relating to the management of the Priority Funds. Next Financial revenues The continued wind down of the Next Financial structured products business resulted in revenues reducing to $15,000, a reduction of $0.3 million from the prior year. It is not expected that there will be any revenue in future financial years. Gains/(losses) on financial assets at fair value through profit or loss This reflects the mark-to-market gains or losses on the Group’s Principal Investments. Gains on financial assets at fair value through profit and loss during the year were $0.3 million, an increase of $0.6 million on the $0.3 million loss in the prior financial year. This largely reflects the strong performance of the Wilson Group Priority Funds during the year, investments in which make up the majority of the Principal Investments portfolio. Expenses from Continuing Operations Employee benefits expense increased by $1.1 million to $7.9 million. The increase mainly relates to an increase in employee costs in the Pinnacle business during the year, reflecting the continued growth of Pinnacle. Incentive expense is $0.7 million higher and includes non-cash share based payments expenses relating to employee share options issued during the year. It also includes incentives for Wilson Group staff in recognition of their work in respect of the Pinnacle Acquisition during the year. Legal and professional fees are up $0.3 million during the year, due largely to one-off costs arising from additional audit expenses and other advisory services provided to the Group during the year. A net reversal of Impairment expense of $0.2 million has been recognised in relation to loans to Pinnacle Boutiques. An impairment expense of $0.3 million was recognised in the prior year. Property expenses reduced by 30% or $0.3 million compared to prior year due to the reduction in lease space compared to the prior year. Structured product expense and finance cost expense relate to the costs associated with Next Financial’s instalment products, which have reduced to $nil in the 2016 financial year as the product book reached maturity at 30 June 2015. Share of net profit of jointly controlled entities accounted for using the equity method. This relates to the Group’s share of the profits of the Pinnacle Boutiques which are equity accounted. Net profits after tax from Pinnacle Boutiques are up 34% or $4.0 million on the prior comparative period. Pinnacle Boutique FUM, which underpins the share of 11  Pinnacle Boutique profits, increased by 23 % to $92.8 billion during the 2016 financial year. Further information is provided on page 14 and in notes 31 to the financial statements. Non-Controlling Interest. This relates to the interests of minority shareholders of Pinnacle. Discontinued Operations Discontinued operations contributed a loss of $0.3 million to total comprehensive income. This represents a $0.9 million increase in the fair value of contingent consideration for the sale of the Securities business recognised in other comprehensive income, less $1.2 million of expenditure in relation to legacy items relating to its sale which are included in profit and loss. Further information is provided at note 8 of the financial statements. Consolidated Statement of Financial Position The following commentary provides an analysis of assets and liabilities for the 2016 financial year for continuing operations. Cash. Cash and cash equivalents remained stable, reducing $0.1 million to $13.5 million at year-end compared to the prior year. Cash outflows from operating activities were $0.2 million, which included net outflows of $4.3 million relating to purchases and sales of financial assets during the year, including Principal Investments. Further information is provided at notes 9 and 33. Trade and other receivables. The value of trade and other receivables increased by $2.5 million during the period, this includes $1.2 million in consideration receivable in relation to the sale of the Securities business. Financial assets at fair value through profit or loss were $10.9 million (an increase of $4.7 million on the prior period) of which $7.4 million relates to the Group’s investment in the Wilson Group Priority Core Fund (now Spheria Australian MidCap Fund) and Wilson Group Priority Growth Fund (now Spheria Australian Smaller Companies Fund) at 30 June 2016. Other current assets reduced by $1.2 million to $2.4 million at year end. This balance includes loans to entities under joint control and capitalised transaction costs in relation to the Pinnacle transaction. Further information is provided at note 13 of the financial statements. Investments accounted for using the equity method reflects Pinnacle’s investment in the Pinnacle Boutiques. Investments increased by $5.1 million during the period to $24.5 million. The increased value of equity accounted profits of $15.9 million from Pinnacle Boutiques compared to $11.9 million contributed to higher value. Further information is provided at note 31 of the financial statements. Trade and other payables increased by $1.1 million to $6.2 million, relating largely to increases in accrued expenses and incentive payments. Further information is provided at note 17 of the financial statements. Provisions. The value of current and non-current provisions reduced by $1.1 million, relating to utilisation of the provision for transaction related costs for the disposal of the 12  Securities business during the year. Further information is provided at notes 18 and 21 of the financial statements. Other current liabilities. Relates to amounts payable to the Securities business which are to be settled net against consideration receivable for its disposal included in Trade and other receivables. Assets and liabilities of disposal group classified as held for sale related to the Securities business and reduced to $nil upon the disposal of the business on 1 July 2015. Segment Result Pinnacle This segment comprises the Group’s 75.01% equity share in Pinnacle which includes its investment in the Pinnacle Boutiques. Pinnacle contributed $10.6 million net profit after tax to the Group result for the 2016 financial year compared with $7.4 million in the 2015 financial year. This was underpinned by Pinnacle’s share of the Pinnacle Boutiques’ profit after tax increasing by 34% from $11.9 million in the prior comparative period to $15.9 million. The table below outlines the performance of the Pinnacle Group for the 2016 and 2015 financial years. Pinnacle Boutiques (100% aggregate basis) FUM ($billion) Revenue ($million) Net profit before tax Tax expense Net profit after tax Pinnacle Revenue Expenses Share of Pinnacle Boutiques net profit after tax statutory result Pinnacle Group statutory result # # 100% of Pinnacle (the Group had a 75.01% interest as at 30 June 2016). FY2016 FY2015 19.8 16.1 92.8 51.5 (14.9) 36.7 6.0 (11.3) 15.9 10.6 72.0 38.9 (11.4) 27.5 5.9 (10.3) 11.9 7.4 Further analysis on Pinnacle is provided at pages 18 to 21 and in note 31 of the financial statements. 13  Pinnacle Boutiques – FUM Growth1 Pinnacle Boutiques – Revenue Growth2 1 Pinnacle FUM includes 100% of FUM managed by the Pinnacle Boutiques. At 30 June 2016, the Company had a 75.01% interest in Pinnacle, which in turn has an interest in the Pinnacle Boutiques ranging from 23.5% to 49.9%.  2 Revenue shown is 100% of all Pinnacle Boutiques’ revenue. This is shown to indicate trend and excludes revenue derived by Pinnacle itself, which is consolidated into the Group’s financial statements 14                                                                                    Pinnacle’s focus during the year was on continuing to support each of the Pinnacle Boutiques and assisting them to grow their business and profitability. The quality of the Pinnacle Boutiques was affirmed and demonstrated in many ways during the year, including by the investment returns they produced and the strength of market interest and support for their investment offerings. Following is an overview of each of the Pinnacle Boutiques during the 2016 financial year: Solaris Investment Management Solaris is a specialist manager of listed Australian equities following a neutral style. Solaris had $4.6 billion in funds under management as at 30 June 2016 with incremental funds coming from new and existing clients and investment performance. Solaris’ clients benefited from solid investment out-performance in the year, the Core strategy outperforming the S&P/ASX200 by 1.86%. Solaris’ core strategy has outperformed the S&P/ASX 200 Index by 2.07% per annum since inception on 9 January 2008 (to 30 June 2016). The 2016 financial year was one in which Solaris sought successfully to sustain investment performance for its clients and provide continued team stability. In the forthcoming year, Solaris seeks to continue to provide its clients with consistent investment performance. Hyperion Asset Management Hyperion is a specialist manager of Australian and global equities following a concentrated quality growth style. The 2016 financial year was a very rewarding one for Hyperion’s clients. The fund generated out-performance for clients for the full year. Hyperion’s long term track record of investment performance in both its large cap and small cap and global portfolios is first quartile amongst its competitors since inception. The Hyperion Australian Growth Companies Fund ended the year with an absolute performance of 15.60% after fees (14.72% above the S&P ASX 300 Accumulation Index) and the Hyperion Small Growth Companies Fund ended the year with an absolute performance of 16.87%% after fees (2.46% above the S&P ASX Small Ordinaries Accumulation Index). The Hyperion Global Growth Companies Fund produced a 10.6% gross return for the year (an outperformance of 9.5% over its benchmark the MSCI World Accumulation Index in AUD). Hyperion hard closed its Small Growth Companies fund during the year to preserve its ability to produce future investment performance for clients. Resolution Capital Resolution Capital is a dedicated global listed property securities manager. Funds under management grew to $4.6 billion during the year, representing a year on year growth of 17.9%. 15  Resolution Capital’s long term out-performance track record remains pleasing. The business is continuing to make very good progress on its ambition to diversify its client base with endorsement from a number of major asset consultants, research houses and institutional investors. Plato Investment Management Plato is a specialist manager of Australian equities following a systematic quantitative style, with a focus on after tax investing for pension phase and accumulation phase superannuation. Over the past three years all of the Plato’s beta one strategies outperformed their benchmarks and Plato now has a strong track record across its product mix. This year saw the launch of Plato’s global equity income strategy which has been well received by the market. Plato continues to have very significant interaction with consultants and prospective investors, including financial advisers. This interaction has proven positive, with the funds under management continuing to increase to over $3 billion with strong inflows from retail investors. Palisade Investment Partners Palisade is a specialist manager of unlisted infrastructure assets with pooled funds and separately managed portfolios for wholesale investors. Palisade is a specialist manager of unlisted infrastructure assets with pooled funds and separately managed portfolios for wholesale investors. In the 2016 financial year Palisade made investments in targeted sectors on behalf of direct investment management clients and funds it manages. The investment team has expanded to cater for growth in investments under management. As at 30 June 2016 funds under management and investor commitments totalled approximately $2.3 billion (2015: $2.0 billion). During the year the various funds and individual portfolios managed by Palisade available for investment delivered overall rates of return of between 11.9% and 17.8%. Palisade continues to enjoy increased support of asset consultants, continues to raise further capital for investment and has a strong pipeline of investment opportunities. Antipodes Partners Antipodes Partners is a pragmatic value manager of global and Asian equities founded in 2015 by Jacob Mitchell, former Deputy Chief Investment Officer of Platinum Asset Management, together with a number of ex-Platinum colleagues and like-minded value investors. Antipodes aspires to grow client wealth ahead of the broad market over the investment cycle without subjecting capital to undue levels of risk. The investment approach seeks to take advantage of the market’s tendency for irrational extrapolation around changes in the operating environment, to identify great businesses that are not valued as such and build high conviction portfolios with a capital preservation focus. 16  Spheria Asset Management Spheria Asset Management is a fundamental-based investment manager specialising in small and microcap companies Spheria commenced operations in April 2016 and has a bottom-up focus to achieve strong investment returns for clients with an emphasis on risk management. Assessing risk is fundamental to Spheria’s investment philosophy. Explicit risk controls include a preference for companies with low or no balance sheet gearing. When the company does have debt, Spheria ensures that free cash flow can support the said level of gearing and is appropriate for the nature of the business At 31 July 2016 Spheria managed $164 million of client funds. Strategies looking forward Pinnacle intends to continue to provide high quality distribution, responsible entity and funds management infrastructure services, and to support each of the Pinnacle Boutiques to remain focussed on investing, to enable them to continue to perform strongly and to grow their FUM and profitability. Pinnacle will continue to assist experienced and talented investment professionals to commence a new boutique in investment strategies where it knows demand to be strong and special talent to be needed. Pinnacle anticipates further growth, underpinned by expectations that the funds management industry, which it serves, will continue to expand over the coming decade and beyond. Wilson Group During the 2016 financial year, the Wilson Group segment comprised the Priority Funds, Next Financial and Principal Investments. The segment reported a net profit before tax of $0.6 million for the 2016 financial year. The result was comprised of Principal Investment gains of $0.7 million (2015 - $0.1 million), a profit from the Priority Funds business of $0.5 million (2015 - $0.3 million loss) and a loss in Next Financial of $0.6 million (2015 - $0.7 million). Principal Investments comprises the Group’s Investments in equity securities and unit trusts. As at 30 June 2016 the Principal Investments’ portfolio included $7.4 million invested in the Wilson Group Priority Core Fund and Wilson Group Priority Growth Fund (now Spheria Australia MidCap Fund and Spheria Australian Smaller Companies Fund). Principal Investments contributed $0.7 million to the segment result which included $0.5 million in fair value gains, and $0.2 million in distributions received during the year. The Priority Funds business performed strongly during the year and contributed $0.5 million to the segment result compared to a loss of $0.3 million in the prior year. On 1 July 2016, the investment management of the funds was transferred to Spheria Asset Management, a 40% owned Pinnacle boutique. A subsidiary of Pinnacle remains the responsible entity of the funds. Further information relating to the funds is provided in Note 30. The process to wind down the operations of Next Financial continued during the year, with associated expenses of $0.6 million reducing the Wilson Group segment result. Ongoing expenditure in relation to the wind-down of the business is expected to be minimal. 17  04  Community Investment The Company continued its commitment to supporting the community through the charitable Foundation established by its antecedents in 1987. Since then the Foundation has donated more than $3 million to over 60 Australian charities, with a focus on supporting capacity building projects which develop long term sustainability. Partnerships are often with organisations which are entrepreneurial and which are seeking to tackle complex social issues through innovative problem solving agendas. The majority of donations offer annual support of between $10,000 and $20,000 for specific projects, approved via a formal application and assessment process. In addition the Foundation seeks longer term partnerships with charitable organisations aligned to the interests of key shareholders, with the aim of investing in their growth over a number of years. Currently the Foundation is partnering with HeartKids Australia (HKA) through donations of $100,000 per annum to fund feasibility studies and the pilot development of an Australian and New Zealand Congenital Heart Disease (CHD) Registry. Longterm partnership with HeartKids Australia: CHD Registry Development and implementation of a Registry is essential to monitor the number of child and adult patients with CHD, which could potentially total around 65,000 Australians. The key objective is to provide access to information which can help to more effectively understand the true range of outcomes and the burden of the entire CHD spectrum across lifetimes. Core aims are to improve CHD treatment and survival, and the quality of life and services available to those with CHD. Data will be used to evaluate the results and inform the planning of effective services, to ensure they are consistent with international best practice. Annual project based partnerships During the 2016 financial year, the projects below have also been supported through donations of up to $20,000 per charity. Child Wise: Animation Through prevention and early intervention approaches, Child Wise works to protect children from sexual abuse. This donation has enabled the development of an animated children’s educational tool which focuses on protective behaviours and personal safety, with material presented in a way which children can process, interpret and feel comfortable with. The animation teaches children to recognise the difference between safe and unsafe touch, secrets versus surprises, and how to seek help from trusted adults. Equipping children with this information reduces their risk to abuse, and also makes them more likely to speak up if something does happen - ensuring early intervention. It is being shown to primary school children in Child Wise’s ‘Protective Behaviours Personal Safety Program’ and is also available online. OzHarvest Gold Coast: Food collection and NEST project Funds have assisted in the collection and delivery of 60,000 meals across the Gold Coast and the facilitation of the NEST (Nutrition, Education and Sustenance) Program for 30 18  charity participants. This course equips participants with valuable skills and knowledge about nutritious eating choices, low cost meal planning, budgeting, shopping, healthy cooking and reducing waste. The broader focus is on capacity building; OzHarvest rescues up to 4,000 kilograms of food per week on the Gold Coast from more than 95 donors. This is distributed to 45 small charities, with regular deliveries enabling them to reduce food spending and redirect cash into education, rehabilitation and frontline client services. PROJECT FUTURES: The Salvation Army Trafficking and Slavery Safe House The Foundation is funding specialist treatment offered within the “Health and Well-being Program”, which is part of the crisis and long term assistance provided 24 hours a day, seven days a week at the Safe House. This venue supports victims of human trafficking and works with up to 40 individuals at any one time. It aims to move people through a continuum of support stemming from the crisis of slavery to: 1) safety; 2) stability; 3) reduced vulnerability; 4) independent living; and 5) empowerment as thriving members of the community. As well as delivering increased physical and mental health services for individuals, the Safe House has a focus on building stronger advocacy and greater awareness to drive change and reduce the incidence of trafficking. The Reach Foundation: Development and delivery of Thrive Program in NSW Supported by the Foundation in 2014, the Reach Birdcage Program has been redeveloped as an intensive workshop supporting young women to build skills, explore and critically question expectations around gender and the influences and risks posed by social media. As well as building the capacity of the Reach NSW Crew to deliver the program, funding in 2015 and 2016 has enabled Reach to offer the equivalent boys’ program – Locker Room – in NSW, and to provide a third workshop within the Thrive series to bring young men and women together. Combined workshops explore issues of gender identity from both a male and female perspective, while openly discussing the impact and potential harm caused by gender stereotypes and expectations. They aim to identify how these affect individual behaviours and interpersonal relationships. Sydney Children’s Hospital Foundation: Specialist equipment for the Respiratory Department at Sydney Children’s Hospital, Randwick Money donated has been used to purchase two pieces of equipment to provide specialist, mobile options to improve lung function diagnosis and outcomes for children who are challenging to assess. The first piece only requires children to perform normal breathing to produce accurate, reliable measurements and is non-invasive and less distressing for children aged 3 to 6 years. The second piece is a portable spirometer used with a PC or tablet, which can be taken to young patients anywhere in the hospital to deliver an interactive, incentive-based test. This is essential for children who may be in serious respiratory distress, who have low immunity due to treatment and/or are connected to various life-saving pieces of equipment in Intensive Care. 19  The Shepherd Centre: TSC Connects The Foundation’s support has facilitated the development of a mobile compatible, interactive platform between parents and therapists so that children’s milestones can be recorded to help analyse their speech and social behaviour. Hearing impaired children often have poor social skills because of their inability to predict the behaviour of others and understand that everyone has their own unique thoughts, feelings and beliefs. This can result in perceiving the world as an uncertain and unpredictable place, with children feeling isolated and ostracised – even though they have learnt to listen and speak well. Advanced speech and language, combined with adequate social skills, are crucial for successful integration. This innovative program will ensure that therapists can effectively focus their efforts at an individual level, to help children in the most positive way possible. 20  05  Directors’ Profiles Mr Alan Watson Bsc, GAICD Non-executive Chairman Experience and expertise Mr Alan Watson joined the board on 15 July 2013, after he had completed a 30 year investment banking career, during which he has been Managing Director of several Australian, American and UK based investment banks. During this career he has worked in the Securities markets of the UK, Australia, Canada, China and Japan. Immediately prior to his retirement Mr Watson was with Macquarie Group, where he had been recruited to establish its European Securities business. ASX Listed Company Directorships held in last 3 years (current & recent):  Director of Australis Oil & Gas (appointed 24 May 2016)  Director of Aurora Oil and Gas (appointed November 2010, resigned June 2014)  Director Elixir Petroleum (appointed October 2011, resigned May 2014) Other Directorships:  Director of Airboss of America Corporation (TSX : BOS)  Director of Frensham Foundation Special responsibilities:  Chairman of the Board  Chairman of Remuneration and Nominations Committee Interests in shares and options  None 21  Mr Steve Wilson AM B Com, LLB (UQ), Hon PhD (QUT & Griffith), FAICD, SF Fin, MSAA Non-executive Director Experience and expertise Mr Steve Wilson has over 35 years of professional investment experience, including 4 years with Cazenove & Co. in London before joining Wilson & Co in 1984. Since then he has spent 25 years as either Chairman, Managing Director or Joint Managing Director of the Company. Under his leadership, Hyperion was established in 1996, Priority Funds in 2005 and Pinnacle in 2006. In October 2011, Mr Wilson resigned from the position of Managing Director whilst remaining on the board as a Non-executive Director. Mr Wilson has previously served on several boards including as a Chairman of South Bank Corporation, Hyperion Asset Management, St John’s Cathedral Completion Fund, Queensland Rugby Union and as a Director of Telstra Corporation, Tourism Queensland and the Council of QUT. ASX Listed Company Directorships held in last 3 years (current & recent):  None Other Directorships:  Chairman of Racing Queensland  Chairman of Priority Investment Management Pty Ltd  Chairman of Russo Business School  Chairman of Next Financial Limited  Chairman of Barambah Wines  Director of Racing Australia  Director of Pinnacle Investment Management Limited  Director of The Centre for Independent Studies  Director of Australian Oil-Shale Holdings Ltd  Trustee of University of Queensland Rugby Union Foundation Special responsibilities:  Member of the Audit Compliance and Risk Management Committee  Chairman of Priority Funds Investment Committee Interests in shares and options  20,003,000 ordinary shares in the Company 22  Mr Ian Macoun CFA, B Com, MFM, Dip FinSer (FP), FCPA, FAICD Managing Director (from 17 August 2016) Experience and expertise Mr Ian Macoun was appointed as Managing Director of the Company on 17 August 2016 and an executive director on 25 August 2016, having been the managing director and chairman of Pinnacle since 2006. Mr Macoun’s career to date has included more than 20 years as the CEO and chief investment officer of investment management firms, including the establishment of Australia's first "multi-boutique" funds management firm (Perennial Investment Partners – founding Managing Director, from 1998), building a major new investment corporation (Queensland Investment Corporation; inaugural Chief Executive – from 1988), and the management of a major Australian bank's investment operation (Westpac Investment Management; Managing Director from 1993). Mr Macoun’s early experience, in more than 10 years at Queensland Treasury, included extensive involvement with many major Australian and International financial market participants, and the Queensland Government’s commercial participation in many major industrial development projects during the late 1970’s and the 1980’s. He was a First Assistant Under Treasurer when he moved to build and lead QIC. ASX Listed Company Directorships held in last 3 years (current & recent)  None Other directorships  Pinnacle Investment Management Limited (Chairman and Managing Director)  Hyperion Holdings Limited  Hyperion Asset Management Limited  Palisade Investment Partners Limited  Solaris Investment Management Limited  Resolution Capital Limited  Foray Enterprises Pty Limited  Plato Investment Management Limited (Chairman)  Pinnacle RE Services Limited  Pinnacle Services Administration Pty Ltd  Pinnacle Funds Services Limited Interests in shares and options  27,969,744 ordinary shares in the Company  750,000 options 23  Mr Steven Skala AO BA, LLB (Hons)(UQ) BCL (Oxon) Non-executive director (until 26 August 2016) Experience and expertise Mr Steven Skala AO joined the board in 2002, and was appointed Chairman on 2 March 2011. Since 2004, he has been Vice Chairman of Deutsche Bank AG Australia and New Zealand. Mr Skala resigned as a non-executive director of the Company on 26 August 2016. Until his appointment as Chairman of the Company, Mr Skala was one of two nominated representatives of Deutsche Bank. When he was appointed Chairman, he was released from his appointment as a representative of Deutsche Bank in the Group’s affairs. Mr Skala is a former commercial lawyer with more than 20 years’ experience in corporate law. Between 1982 and 1985, he was a partner of Brisbane law firm Morris Fletcher and Cross (now Minter Ellison). Between 1985 and 2004, Mr Skala was a partner of law firm Arnold Bloch Leibler and was head of its Corporate and Commercial Practice for several years. ASX Listed Company Directorships held in last 3 years (current & recent): None Other Directorships:  Vice Chairman of Deutsche Bank AG Australia and New Zealand  Chairman of Blue Chilli Technology Pty Ltd  Chairman Heide Museum of Modern Art  Director of Hexima Limited  Director of Deutsche Australia Limited  Director of Australian Broadcasting Corporation  Director of The Centre for Independent Studies  Director of The Sir John Monash Foundation  Director of Priority Funds Management Pty Ltd (until 26 August 2016)  Director of Next Financial Limited (until 26 August 2016)  Vice President of The Eliza and Walter Hall Institute of Medical Research  Panel Member of Adara Advisors Pty Limited  Member of International Council, the Museum of Modern Art (New York)  Member of the Global Foundation Special responsibilities:  None Interests in shares and options  683,753 ordinary shares in the Company 24  Mr Alexander Grant B Econ UQ, Grad Dip SIA Managing Director (until 16 August 2016) Experience and expertise Mr Sandy Grant was appointed Managing Director on 11 April 2014, having been Acting Chief Executive Officer since July 2013. During the 2016 financial year, Mr Grant was also a director of Pinnacle. Mr Grant resigned from both positions on 16 August 2016. Mr Grant was the Fund Manager of the Wilson Group Priority Growth Fund from 2005, and co-manager of the Wilson Group Priority Core Fund since its inception in mid 2010. He has 30 years’ experience in the finance industry with a number of institutions. Mr Grant joined Wilson HTM Ltd in 1992. He was Head of Institutional Stockbroking and a Director of Wilson HTM Ltd from 2004 to 2007. Mr Grant has been a company shareholder since 1995. ASX Listed Company Directorships held in last 3 years (current & recent)  None Other Directorships:  Director of Pinnacle Investment Management Limited (until 16 August 2016)  Director of Next Financial Limited (until 30 June 2016)  Director of Priority Funds Management Pty Ltd (until 30 June 2016)  Director of Ariano Pty Ltd (until 30 June 2016)  Director of WIG Option Plan Managers Pty Ltd (until 30 June 2016)  Director of Investment Solutions Client Services Pty Ltd (until 30 June 2016)  Director of Next Financial Nominees Pty Ltd (until 30 June 2016)  Director of Next Financial Nominees No. 2 Pty Ltd (until 30 June 2016)  Director of Brisbane Boys’ College Foundation Limited Special responsibilities:  Member of the Audit Compliance and Risk Management Committee Interests in shares and options  6,228,738 ordinary shares in the Company 25  06  Directors’ Report and Remuneration Report Your directors present their report on the Group, consisting of the Company and the entities it controlled at the end of, or during, the year ended 30 June 2016. Directors The directors of the Company during the whole of the financial year and up to the date of this report were: Mr A Watson Mr S M Skala AO (resigned on 26 August 2016) Mr S M Wilson AM Mr A Grant (resigned on 16 August 2016) Mr I Macoun (appointed on 25 August 2016) Mr C Darvall AM served as a director until his resignation on 31 August 2015. Information on the qualifications, experience and responsibilities of the directors is included in the directors’ profiles on pages 21 to 25 of the 2016 Annual Report. Earnings per share  From continuing operations before de-recognition of DTA* Basis earnings per share Diluted earnings per share From continuing operations Basis earnings per share Diluted earnings per share Total attributable to shareholders Basic earnings per share Diluted earnings per share 2016 Cents 2015 Cents 5.2 5.2 5.2 5.2 4.1 4.1 3.6 3.6 (5.2) (5.2) (8.5) (8.5) * In the prior year NPAT from continuing operations was reduced by $9.4 million relating to the de-recognition of deferred tax assets. Dividends In the 2016 financial year, the following dividends were paid:  A fully franked special dividend of 2.25 cents on 18 September 2015.  A fully franked interim dividend of 1.4 cents on 31 March 2016. Since the end of the financial year, the Company has declared:  a fully franked special dividend of 5 cents per share to be paid on 9 September 2016.  a fully franked final dividend of 1.9 cents per share to be paid on 3 October 2016. 26  Operating and Financial Review The Operating and Financial Review can be found at pages 7 to 17 of the 2016 Annual Report. Significant changes in the state of affairs On the 1 July 2015 the Group completed the sale of the Securities business (refer note 8 of the financial statements at page 99 for further information). Apart from this, there were no significant changes in the state of affairs of the Group during the reporting period. Matters subsequent to the end of the financial year Since the conclusion of the 2016 financial year, there has been a significant change in the state of affairs of the Group as a consequence of the acquisition of the 24.99% equity stake in Pinnacle that the Company did not previously own, following approval by shareholders at an extraordinary general meeting on 16 August 2016. The notice of meeting sent to shareholders for the extraordinary general meeting included an explanatory memorandum which set out further detail in relation to the transaction and an independent expert’s report which concluded that the transaction was fair and reasonable to non-associated shareholders. Other than as outlined above and in note 32 of the financial statements at page 122, there has not arisen in the interval between the end of the financial year and the date of this directors’ report any item, transaction or event of a material and unusual nature likely, in the opinion of the directors of the Company, to significantly affect the:  Group’s operations in future financial years; or  Results of those operations in future financial years; or  Group’s state of affairs in future financial years. Environmental regulation The Group is not affected by any significant environmental regulation in respect of its operations. Company Secretary During the 2016 financial year, the role of Company Secretary was performed by Mrs Eleanor Padman. Chairman of Audit Compliance and Risk Management Committee From 1 September 2015 Mr Don Mackenzie held the role of Chairman of the Audit Compliance and Risk Management Committee. Mr Mackenzie joined the Audit Compliance and Risk Management Committee in February 2015 as an external independent specialist with particular expertise in audit and accounting. Mr Mackenzie commenced his professional career with a Chartered Accounting firm and in 1976 commenced employment in a senior accounting role with a Queensland based rural ASX listed 27  company. In 1993 he commenced practice as a Chartered Accountant providing corporate services predominantly to public companies and from 2008 he has acted in a personal capacity in that role. During this period Mr Mackenzie has also acted as a non- director independent member of audit committees for ASX listed companies including Structural Systems Limited (2002 to 2014), Silver Chef Limited (2005 to 2012) and Aveo Healthcare Limited (formerly Forest Place Group Limited) from 2004 to 2010. From 2010 Mr Mackenzie was appointed to the board of Forest Place Group Limited and also became the chairman of its audit committee until he resigned in March 2014. Meetings of Board and Board Committees The number of meetings of the Company’s Board and of each Board committee held during the year ended 30 June 2016 and the number of meetings attended by each director were as follows: Meetings of Board and Board Committees Board Attended Audit, Compliance and Risk Committee Remuneration and Nominations Committee* Attended Eligible Attended Eligible to Attend to Attend Eligible to Attend 12 3 14 15 15 - 14 3 15 15 15 - - 1 4 4 4 4 - 1 4 - 4 4 1 1 2 2 2 - - 1 - 2 - - S Skala AO C Darvall AM** S Wilson AM A Watson A Grant D Mackenzie *Responsibilities undertaken by full Board from 12 October 2016. **Mr Darvall resigned with effect from 31 August 2015 Remuneration Report The Group’s 2016 remuneration report sets out remuneration information for the Group’s non-executive directors and Key Management Personnel. The remuneration report contains the following sections: 1. Key Management Personnel 2. Role of Remuneration and Nominations Committee 3. Executive remuneration policy and framework 4. Links between performance and outcomes 5. Details of Executive Key Management Personnel remuneration 28                                            6. Executive service agreements 7. Non-executive director remuneration 8. Share based payment compensation 9. Equity instrument disclosures relating to Key Management Personnel 10. Loans to Key Management Personnel 11. Other transactions with Key Management Personnel 12. Equity Capital Information in this remuneration report has been audited as required by section 308(3C) of the Corporations Act 2001. 1. Key Management Personnel This remuneration report provides details of the remuneration of the Key Management Personnel of the Group for the year ended 30 June 2016. The Key Management Personnel for this period are listed in the tables below: Executive Key Management Personnel Name Alexander Grant Ian Macoun Alex Ihlenfeldt Position Managing Director (until his resignation on 16 August 2016) Managing Director (from 17 August 2016) and executive director (from 25 August 2016). Chairman and Managing Director of Pinnacle Chief Operating Officer and director of Pinnacle Non-executive Key Management Personnel Current Name Alan Watson Steve Wilson AM Steven Skala AO Former Name Chum Darvall AM Position Chairman Director Director Position Director (until 31 August 2015) In accordance with the Corporations Amendment (Improving Accountability on Director and Executive Remuneration) Act 2011 (Cth)), the Key Management Personnel of the Group for the year ended 30 June 2016 comprised: 29   each non-executive director of the Company  executive director Alexander Grant  Ian Macoun as Chairman and managing director of Pinnacle  Alex Ihlenfeldt as Chief Operating Officer of Pinnacle 2. Role of Remuneration and Nominations Committee The Remuneration and Nominations Committee is a committee of the Board. The Committee performs its role consistent with the overall objective of ensuring maximum shareholder benefit from the retention of a high quality, high performing Board and executive team. Its responsibilities were performed by the Board during the 2016 financial year and included the following:   reviewing and making recommendations in relation to the Group’s remuneration policies and practices to ensure that the Group fairly and responsibly rewards executives having regard to the performance of the Group and the interests of stakeholders reviewing, approving and recommending to the Board for adoption executive specific remuneration and recommendations to the Board on remuneration of executive directors and senior executives incentive policies and practices and making  setting the terms and conditions of the employment of the Managing Director, advising the Board on the Managing Director’s remuneration package and reviewing the performance of the Managing Director at least annually  reviewing the remuneration of non-executive directors for serving on the Board or any committee (both individually and in total) and recommending to the Board the remuneration and retirement policies for non-executive directors having regard to market trends and shareholder interests  setting the entitlements and expenses policy for the Chairman, non-executive directors and the Managing Director  ensuring the Group’s remuneration policies and practices comply with the ASX Listing Rules, ASX Principles and the Corporations Act 2001  assisting the Chairman to facilitate the review of Board performance annually  the appointment of new directors, both executive and non-executive  developing selection criteria for and identifying and assessing candidates for appointment to the Board  establishing procedures for recommendation to the Chairman for the proper oversight of the Board and management 30  As has been the case in prior years, during the 2016 financial year, the Remuneration and Nominations Committee did not provide recommendations on the remuneration for any Pinnacle employees. The responsibility for the remuneration of Mr Macoun rested with the board of Pinnacle, which during the 2016 financial year included two directors of the Company. Mr Macoun was responsible for recommending remuneration arrangements for Pinnacle employees to the board of Pinnacle. The Charter for the Remuneration and Nominations Committee is incorporated in the Company’s Corporate Governance Statement which can be found on the Company’s website at http://www.pinnacleinvestment.com/shareholders-investor-centre/ 3. Executive remuneration policy and framework for the Company The Board is committed to achieving sustainable long-term growth and returns for investors. During the 2016 financial year, it has adopted a remuneration framework consisting of base salary and short term incentives and a remuneration policy which aimed to motivate and retain highly skilled executives and align their interests with shareholders. Base salary Base salary is structured as a package, which may be delivered as a combination of cash and prescribed non-financial benefits and includes superannuation contributions. Executives are offered a competitive base salary that comprises the fixed component of pay and rewards. An executive’s base salary is reviewed on promotion. There are no guaranteed base salary increases included in any executive’s contract. Short term incentives (STI) STI are an ‘at risk’ cash incentive payment which is paid to executives and staff at the discretion of the Board on an annual basis and in accordance with remuneration policies and the terms and conditions of employment. reviewing The Remuneration and Nominations Committee recommendations from the Managing Director for STI and recommending them for Board approval. During the 2016 financial year the Managing Director made recommendations to the Remuneration and Nominations Committee in relation to cash bonuses to be paid to individuals within Priority Funds and the Company’s head office. The discretionary cash bonus took into consideration key performance indicators and individual performance (both financial and non-financial) over the period. responsible for is Long term incentives (LTI) LTI have been provided to certain employees under the Company’s employee option share plan (EOSP). The EOSP is designed to encourage alignment of the interests of staff with increased value to shareholders in the long term. Participants are granted options, which only vest subject to specific conditions being met at the end of the vesting period. Participation in the EOSP is at the Board’s discretion. Options granted under the EOSP carry no dividend or voting rights. The rules of the EOSP contain restrictions on removing the 'at-risk' aspect of the instruments granted to executives, including to Key Management Personnel. 31  During the 2016 financial year, Mr Alexander Grant exercised 600,000 options granted as part of his remuneration package and approved by shareholders in November 2014. Further details appear at page 33. Pinnacle LTI scheme The Board announced a new LTI arrangement for senior executives of Pinnacle to the market on 25 February 2015 (Pinnacle LTI scheme). On 26 June 2015, shareholders approved the participation of Key Management Personnel in the Pinnacle LTI scheme. Under the terms of the Pinnacle LTI scheme, executives received a combination of Pinnacle equity and options in the Company, the key terms of which are set out below. Equity component The Company sold 4.29% of its equity in Pinnacle to senior executives, subject to claw back arrangements. As part of the Pinnacle Acquisition, this equity has been ‘swapped’ for equity in the Company. Options component The Company issued 4.25 million options in the Company to senior executives under the EOSP at a strike price of 98.6 cents per share. The options vest in two equal tranches on 1 January 2018 and 1 January 2020 with a six month vesting period. Any options that remain unexercised at the end of the vesting period will lapse. The options are subject to claw back arrangements and bad leaver provisions. As part of the Pinnacle Acquisition, which was approved by shareholders on 16 August 2016, the Sellers’ Executives agreed to execute certain documents, the effect of which was to roll over and preserve the long term retentive elements of the Pinnacle LTI scheme. 4. Links between performance and outcomes During the 2016 financial year and in light of the imminent completion of the Pinnacle Acquisition, the Managing Director conducted formal performance reviews of staff in the Company and Priority Funds and made recommendations to the Remuneration and Nominations Committee in respect of their STIs. In making those recommendations, regard was had to the individual’s overall performance in progressing the Pinnacle Acquisition to completion and the significant extra workloads assumed as part of that process. The table below shows key financial performance indicators applicable to the Group’s performance over the last five financial years. Net profit/(loss) after tax attributable to shareholders ($m) Closing share price ($) Dividend per share (cents) Diluted earnings per share (cents) Net profit/(loss) after tax attributable to shareholders ($m) before derecognition of DTA* Diluted earnings per share (cents) before derecognition of DTA 2016 4.5 1.45 3.30 4.1 4.5 4.1 2015 (9.00) 1.20 1.60 (8.5) 0.4 0.4 2014 4.8 0.61 2.75 4.5 4.8 4.5 2013 (1.6) 0.19 Nil (1.6) (1.6) (1.6) 2012 (7.6) 0.20 Nil (7.3) (7.6) (7.3) * In the 2015 year NPAT from continuing operations was reduced by $9.4 million relating to the de-recognition of deferred tax assets. 32    5. Details of Executive Key Management Personnel remuneration The relative weightings of the three remuneration components for Key Management Personnel are set out in the table below for the year to 30 June 2016.  % of total remuneration Fixed Remuneration 88% 50% 50% Performance-based remuneration STI 0% 49% 48% LTI 12% 1% 2% Alexander Grant Ian Macoun Alex Ihlenfeldt Alexander Grant In accordance with the terms of his appointment as Managing Director, Mr Grant’s base salary was set at $400,000 per annum (inclusive of superannuation) with effect from 1 December 2013. In addition, Mr Grant will receive a termination benefit of $85,000 following the conclusion of his employment with the Group. On 26 November 2014, and following shareholder approval, Mr Grant was granted 1,200,000 options, vesting in two equal tranches of 600,000, on 27 February 2015 and 27 February 2016, with an exercise price of $0.595, and otherwise on terms and conditions consistent with the EOSP. The exercise price was calculated as the higher of a 20% premium of Group NTA per share as at 31 December 2013, or VWAP between 1 January 2014 and 31 May 2014. Ian Macoun In the 2016 financial year, Mr Macoun’s base salary was $600,000 per annum (inclusive of superannuation) and he earned an STI of $600,000 (inclusive of superannuation). STI is a performance incentive of up to 100% of base salary awarded on the basis of meeting business and strategic objectives. In addition and in accordance with the terms of the Pinnacle LTI scheme described on page 32, on 1 July 2015, following the approval of shareholders on 26 June 2015, the Company granted 750,000 options over its ordinary shares to Mr Macoun. Alex Ihlenfeldt In the 2016 financial year, Mr Ihlenfeldt earned a base salary of $300,000 per annum (inclusive of superannuation) and an STI of $300,000 (inclusive of superannuation). STI is a performance incentive of up to 100% of base salary awarded on the basis of meeting business and strategic objectives. In accordance with the terms of the Pinnacle LTI scheme described on page 32, following the approval of shareholders on 26 June 2015, on 1 July 2015 the Company granted 425,000 options over its ordinary shares to Mr Ihlenfeldt. 33  Remuneration details for Executive Key Management Personnel (calculated in accordance with applicable accounting standards) are set out in the table below. Short-term employee benefits Post employment benefits Long- term benefits Share based payments Cash bonus (STI) Non- monetary benefits Superan nuation Retirement Benefits Long service leave Options & Rights (LTI) Termination benefits Total Portion of remuneration at risk - STI Portion of remuneration at risk - LTI Cash salary & fees $ Name Managing Director: Alexander Grant 2016 365,000 $ - 2015 366,420 170,000 Chairman and Managing Director of Pinnacle Ian Macoun 2016 2015 565,000 600,000 490,000 525,000 Other Key Management Personnel Alex Ihlenfeldt Brad Gale# Totals 2016 2015 2016 2015 2016 2015 273,973 296,027 242,009 299,658 - - 322,572 75,000 1,203,973 896,027 1,421,001 1,069,658 # KMP from 24 November 2014 to 30 June 2015 $ $ - - - - - - - - 35,000 35,000 35,000 35,000 30,000 30,000 - 17,500 - 100,000 - 117,500 $ - - - - - - - - - - $ $ $ $ (22,088) 65,709 85,000 40,214 169,599 21,592 16,123 8,443 1,407 4,916 2,829 - 15,509 11,529 - 5,151 20,517 - - - - - - - 528,621 781,233 1,230,035 1,067,530 620,425 586,025 - 440,740 4,420 89,661 85,000 2,379,081 64,317 203,052 - 2,875,528 % - 22% 49% 49% 48% 52% - 17% - - % 12% 22% 1% - 2% 2% - 5% - - 6. Executive service agreements Remuneration and other terms of employment for the Executive Key Management Personnel are formalised in service agreements. Alexander Grant Alexander Grant resigned as Managing Director on 16 August 2016. During the 2016 financial year, Mr Grant’s service agreement reverted to a permanent employment contract subject to a notice period of six months. The Company had the right to make payment in lieu of notice. If Mr Grant’s engagement was terminated for cause or because he resigned other than to give effect to his retirement, he would have forfeited any entitlement to an STI or to exercise any options granted as an LTI. If Mr Grant’s engagement ended for any other reason, Mr Grant was entitled to exercise any options granted as an LTI and was entitled to receive a payment (other than in the event of a change of control of the Company) that would not exceed 12 months base salary after the payment of statutory entitlements and which was inclusive of any payment in lieu of notice. Ian Macoun During the 2016 financial year, the chairman and managing director of Pinnacle, Ian Macoun, was engaged under an ongoing service agreement with Pinnacle that provided for termination by either party upon giving one month’s notice except where termination is due to misconduct. A termination payment of at least $900,000 was payable upon termination by the Company, unless termination was due to misconduct. As part of the Pinnacle Acquisition, Mr Macoun has entered into a new service agreement, the terms of which are substantially similar to his previous contract save that his notice period is now 3 months. On 16 August 2016, shareholders voted to approve the payment of termination benefits to Mr Macoun in an amount of $900,000, consistent with his previous terms of employment. 34  In 2006, the Group advanced Mr Macoun a loan of $1.119 million to acquire shares in Pinnacle and agreed to pay, at the time of repayment of the loan (being the time of sale of Pinnacle shares by Mr Macoun) a bonus with a net value equal to the outstanding balance of the loan. The loan was unsecured, limited in recourse to the shares in Pinnacle and interest free. As part of the Pinnacle Acquisition, and following the approval of shareholders on 16 August 2016, the Company paid Mr Macoun the bonus which was in turn applied to repay the loan, giving rise to an expense of $222,000, the balance having been expensed in prior years. In May 2015, Pinnacle advanced to interests associated with Mr Macoun a loan of $547,293 to acquire shares in Pinnacle. The loan was unsecured, limited recourse and interest free. As part of the Pinnacle Acquisition, this loan has been repaid and an identical loan reissued by the Company. Alex Ihlenfeldt Alex Ihlenfeldt, the Chief Operating Officer and a director of Pinnacle, is engaged under an employment agreement dated 1 February 2011 and subsequently amended on 30 January 2012 and 7 May 2015. The contract provides for termination by either party on one month’s notice except where termination is due to misconduct. In January 2012, Pinnacle advanced to Mr Ihlenfeldt’s nominated shareholding entity, an unsecured, limited recourse and interest free loan of $416,072 to acquire shares in Pinnacle. The loan is immediately repayable if Mr Ihlenfeldt ceases employment with Pinnacle or sells some or all his shares. In May 2015, Pinnacle advanced to interests associated with Mr Ihlenfeldt a loan of $309,522 to acquire shares in Pinnacle. The loan is interest free and limited recourse with various repayment terms on cessation of employment if before 31 December 2018 or following a sale of equity. As part of the Pinnacle Acquisition, this loan has been repaid and an identical loan reissued by the Company. 7. Non-executive director remuneration The structure of non-executive director remuneration is separate and distinct from that of executive remuneration. The Board seeks to set aggregate remuneration at a level that provides the Group with the ability to attract and retain non-executive directors with the appropriate skills and experience while incurring a cost that is acceptable to shareholders and other stakeholders. Non-executive directors’ fees are determined within an aggregate non-executive directors’ fee pool limit, with any increase in the fee pool requiring approval by shareholders. The current aggregate fee pool currently stands at $600,000 per annum and was approved by shareholders at the Company’s annual general meeting on 24 October 2006. No changes were proposed or made to the aggregate fee pool during the 2016 financial year. In October 2015, the Board resolved to adjust fees payable to non-executive directors in relation to Company, Committee and subsidiaries, effective from 26 October 2015. On 12 October 2015, the Board resolved to suspend the payment of fees for the Chair of the Remuneration and Nomination Committee in recognition of the Committee’s more limited duties following the sale of the Securities business. Fees for the Chair of the 35  Remuneration and Nominations Committee will be reinstated in the 2017 financial year following completion of the Pinnacle Acquisition, when the Remuneration and Nominations Committee will assume for oversight of Pinnacle’s remuneration policy and practices. responsibility The fees paid to non-executive directors’ from 12 October 2015 for Board and Committee positions are set out in the table below:  Chairman Non-executive Director Audit Compliance and Risk Management Committee - Chair - Member Remuneration and Nominations Committee - Chair* - Member Subsidiary Boards Base Fees $100,000 $70,000 $10,000 $0 $10,000 $0 $0 * Note that the Board resolved on 12 October 2015 to suspend payment of this fee until further resolution. Non-executive directors are not eligible to receive STI but may be eligible to participate in the EOSP. During the 2016 financial year, no non-executive directors participated in the EOSP. Further details concerning the EOSP are set out on page 31. Total remuneration for the non-executive directors in relation to the Company, Committee positions and subsidiaries for the 2016 financial year were $300,015 and are presented in accordance with applicable accounting standards and shown in the table below: 36        Short-term employee benefits Post employment benefits Long- term benefits Share based payments Cash salary & fees Cash bonus (STI) Non- monetary benefits Superan nuation Retirement Benefits Long service leave Options & Rights (LTI) Terminatio n benefits Total Total excluding non fee remuneratio n Portion of remuneratio n at risk - STI Portion of remuneration at risk - LTI $ $ % Name $ $ $ $ $ $ $ Non-executive directors Alan Watson (i) Steven Skala (ii) Steven Wilson (iii) Chum Darvall (ii) Erica Lane (v) Totals 2016 2015 2016 2015 2016 2015 2016 2015 2016 2015 2016 2015 77,771 144,863 99,239 148,288 84,148 143,083 16,500 99,000 - 25,685 277,657 560,919 - - - - - - - - - - - - - - - - - - - - - - - - 14,513 6,637 7,844 11,712 - - - - - 2,440 22,358 20,789 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - $ - - 92,284 92,284 151,500 151,500 - 107,084 107,084 - 160,000 160,000 - - - 84,148 84,148 143,083 115,000 16,500 16,500 - 99,000 99,000 - - - - 28,125 28,125 - 300,015 300,015 - 581,708 553,625 % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% - - - - - - - - - - (i) (ii) (iii) (iv) (v) 2016: Mr Watson was a director from 1 July 2015 to 23 October 2015, at which time he was appointed Chairman. 2015: Mr Watson received director's fees of $76,500 in his capacity as director and committee chair. Mr Watson also received the amount of $75,000 for extra services and special exertion. 2016: Mr Skala was Chairman until 23 October 2015, and a director for the balance of the year. Mr Skala received director's fees of $90,417 plus a sum of $16,667 by way of administrative support. 2015: Mr Skala received director's fees of $135,000 plus a sum of $25,000 under a contractual arrangement, whereby the Company contributes $25,000 towards administrative support. 2016: Mr Wilson received $68,666 as director's fees, $7,333 in relation to his directorship of Pinnacle, and $8,148 in relation to his role as chair of the Priority Funds Investment Committee. 2015: Mr Wilson received $67,500 as director's fees, $22,500 in relation to his directorship of Pinnacle, $25,000 relation to his role of chair of the Priority Funds Investment Committee and $28,083 in commission payments. 2016: Mr Darvall was a director of Wilson Group Limited until his resignation on 31 August 2015. Mr Darvall was a director of Pinnacle until his resignation on 30 June 2016 and received $85,000 in this capacity in addition to the fees above. 2015: Mr Darvall received director's fees of $76,500 in his capacity as a director and committee chair and $22,500 in payment of director's fees in relation to his directorship of Pinnacle. 2015: Ms Lane resigned from the board effective 26 November 2015. Retirement allowances for non-executive directors The Company does not provide retirement allowances for non-executive directors, which is consistent with the guidance contained in the ASX Principles. Superannuation contributions required under the Australian superannuation guarantee legislation are deducted from the relevant directors’ overall fee entitlements where their fees are paid through payroll. New non-executive director appointments On appointment to the Board, new non-executive directors are provided with a letter of appointment setting out the Company’s expectations, their responsibilities, rights and the terms and conditions of their engagement. All new non-executive directors participate in a briefing, which covers the operation of the Board and its committees and financial, strategic, operational and risk management issues. For further detail, refer to the Corporate Governance Statement on page 44 of the 2016 Annual Report. 8. Share based payment compensation Outstanding LTI grants The terms and conditions of each grant of options or rights affecting remuneration in the previous, this or future reporting periods as at 30 June 2016 are as follows: 37  Grant Date Category Expiry date Exercise period Exercise price Number of rights / options granted during the year Number of rights / options exercised during the year Number of rights / options forfeited during the year Number of rights / options at end of financial year Value per right / option at grant date % Vested 26 November 2014 Options 30 Jun 16 124 Days 1 July 2015 1 July 2015 Options 30 Jun 18 124 Days Options 30 Jun 20 125 Days $0.60 $0.99 $0.99 $0.20 0 600,000 0 0 100% $0.30 2,125,000 $0.32 2,125,000 0 0 0 2,125,000 0 2,125,000 0% 0% Details of options and rights provided as remuneration to executive Key Management Personnel are set out below: Name Number of options / rights granted Value ($) of options / rights granted (i) Date of grant Number of options/ rights vested (ii) Value ($) of options/ rights vested (iii) Vesting date Number of options/ rights forfeited/ lapsed/ sold Value ($) of options/ rights forfeited/ lapsed/ sold Key Management Personnel of the Group Alexander Grant Options Sub-Total Ian Macoun Options Options Sub-Total Alex Ihlenfeldt Options Options Sub-Total 26-Nov-14 1-Jul-15 1-Jul-15 1-Jul-15 1-Jul-15 600,000 600,000 375,000 375,000 750,000 213,000 212,000 425,000 $124,320 27-Feb-16 $124,320 $110,663 $120,525 $231,188 $62,856 $68,137 $130,993 1-Jan-18 1-Jan-20 1-Jan-18 1-Jan-20 600,000 600,000 $213,000 $213,000 - - - - - - - - - - - - - - - - - - - - - - - - - - - - (i) Fair values at grant date are calculated using a black-scholes option pricing model that takes into acount the exercise price, the terms of the right or option, the impact of dilution, the share price at grant date and expected price volatility of the underlying share, the expected dividend yield and the risk free interest rate for the term of the right or option. Model inputs for the grants made are set out in note 43 to the financial statements. (ii) On the vesting of each option/right, the holder became entitled to receive one fully paid ordinary share in the Company on exercise of the option/right. (iii) The amount is based on the intrinsic value of the option or right at vesting date. 9. Equity instrument disclosures relating to Key Management Personnel Options and rights holdings The number of options and rights over ordinary shares in the Company held during the 2016 financial year by the directors of the Company and other Key Management Personnel of the Group, including personally related parties, are set out below. Balance at start of year Granted as compensation Exercised Expired and other changes* Balance at end of year 2016 600,000 1,175,000 (600,000) 0 1,175,000 2015 220,000 1,200,000 (1,550,000) 730,000 600,000 2014 2,419,975 0 (142,462) (2,057,513) 220,000 * Includes changes due to staff commencing or ceasing to be Key Management Personnel during the year. Shareholdings The numbers of shares in the Company held during the financial year by each Director of the Company and other Key Management Personnel of the Group, including their related parties, are set out below. 38  2016 – Ordinary Shares Wilson Group Limited Name Non-executive directors Steven Skala Steve Wilson Alan Watson Former non-exective director Chum Darvall Executive directors Alexander Grant Key Management Personnel Ian Macoun Alex Ihlenfeldt Balance at start of year Granted during reporting year as compensation Received during the year on the exercise of options and rights Other changes during the year* Balance at the end of the year 853,753 20,133,000 0 300,000 5,628,738 100,000 1,458,498 500,000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 600,000 0 0 0 -170,000 -130,000 0 -300,000 0 0 0 683,753 20,003,000 0 0 6,228,738 100,000 1,458,498 -500,000 0 Received during the year on the exercise of options and rights Other changes during the year Balance at the end of the year 0 0 0 0 33,471 3,369 Former Key Management Personnel Brad Gale * includes changes resulting from commencing or ceasing to be KMP 2016 – Ordinary Shares Pinnacle Name Executive directors Ian Macoun Alex Ihlenfeldt Balance at start of year Granted during reporting year as compensation 33,471 3,369 10. Loans to Key Management Personnel Details of loans made to Directors of the Company and other Key Management Personnel of the Group, including their related parties, are set out below. (i) Aggregates for Key Management Personnel 2016 2,391,917 - 135,144 2,391,917 2 Balance at start of year $ Interest paid and payable for the year $ Interest not charged $ Balance at end of year $ Number in Group at end of year (ii) Individuals with loans above $100,000 during the financial year Ian Macoun Alex Ihlenfeldt Balance at start of year $ Interest paid and payable for the year $ Interest not charged $ Balance at end of year $ Highest indebtedness during the year $ 1,666,293 725,624 - - 94,146 40,998 1,666,293 725,624 1,666,293 725,624 The loans referenced in the above table are advanced by Pinnacle and are for the purpose of acquiring shares in Pinnacle. As part of the Pinnacle Acquisition, these loans were repaid with the proceeds of loans reissued by the Company on 25 August 2016. The amounts shown for interest not charged in the tables above represents the difference between the amount paid and payable for the year and the amount of interest that would have been charged on an arms’ length basis. 39  11. Other transactions with Key Management Personnel Steven Skala AO Mr Skala was a non-executive director of the Company until 26 August 2016, Vice Chairman of Deutsche Bank AG Australian and New Zealand and is a director of Deutsche Australia. During the 2016 financial year, Deutsche Bank AG was a substantial shareholder of the Company through Deutsche Australia, which held an 18.55% interest in the Company’s shares (2015 – 18.55%) until 18 May 2016 and a 9.22% interest from 18 May 2016 to 30 June 2016. On 25 August 2016, Deutsche Australia ceased to be a shareholder. Chum Darvall AM Chum Darvall was a non-executive director of the Company until 31 August 2015 and was a vice chairman of Deutsche Bank AG Australia and New Zealand until 1 July 2014. Mr Darvall is a member of Palisade’s advisory board for which he is paid $60,000 per annum plus GST. Mr Darvall is also the chairman of Metrics Credit, which has a distribution agreement with and pays fees to Pinnacle on normal commercial terms. 12. Equity Capital Shares issued on exercise of remuneration options 600,000 ordinary shares in the Company were allocated to Alexander Grant as a result of the exercise of options during the financial year ended 30 June 2016. Shares under option/rights Unissued ordinary shares of the Company under option at 30 June 2016 are as follows: Date options granted 1 July 2015 1 July 2015 TOTAL Expiry date 30 June 2018 30 June 2010 Exercise price of options $0.99 $0.99 Number under option 2,125,000 2,125,000 4,250,000 Under the terms of the transaction documents in respect of the Pinnacle Acquisition, in the event that the Company conducts a placement prior to 30 June 2020 in respect of the options set out above, the Sellers are entitled to subscribe in the placement for up to 1,416,667 ordinary shares at the subscription price of the options. The Sellers will be entitled to subscribe in the placement in proportions that are pro-rata to their unvested options. Shares issued on the exercise of options There were 600,000 ordinary shares in the Company issued on the exercise of options granted under the EOSP during the year ended 30 June 2016 for a total consideration of $357,000. Since the end of the 2016 financial year, and as part of the Pinnacle Acquisition, on 25 August 2016, 37,043,917 ordinary shares were issued under the EOSP to the Sellers as consideration for the sale of their equity in Pinnacle. 40  End of Remuneration report Insurance of officers The Company has paid a premium for a contract insuring all directors and executive officers of the Company and certain related bodies corporate against all liabilities and expenses arising as a result of work performed in their respective capacities, to the extent permitted by law. The directors have not included in this report details of the nature of the liabilities covered or the amount of the premium paid in respect of the directors and executive officers insurance liability contract as disclosure is prohibited under the terms of the contract. The Company has agreed to indemnify each person who is, or has been a director, officer or agent of the Company and/or of certain of its related bodies corporate against all liabilities to another person (other than the Company or a related body corporate) that may arise from their position as director, officer or agent, except where the liability arises out of conduct involving a lack of good faith. The Company is required to meet the full amount of any such liabilities, including costs and expenses for a period of seven years. No liability has arisen since the end of the previous financial year which the Company would, by operation of the above indemnities, be required to meet. Pinnacle and Next Financial are indemnified by the insurance arrangements described. Non-audit services The Company may decide to employ the Auditor on assignments additional to their statutory audit duties. Details of the amounts paid or payable to the Auditor for audit and non-audit services provided during the year are set out below. The Board has considered the position and, in accordance with the advice received from the Audit Compliance and Risk Management Committee, is satisfied that the provision of the non-audit services is compatible with the general standard of independence for auditors imposed by the Corporations Act 2001. The directors are satisfied that the provision of non-audit services by the Auditor, as set out below, did not compromise the auditor independence requirements of the Corporations Act 2001 for the following reasons:  all non-audit services have been reviewed by the Audit Compliance and Risk Management Committee to ensure they do not impact the impartiality and objectivity of the Auditor  none of the services undermine the general principles relating to auditor independence as set out in APES 110 Code of Ethics for Professional Accountants, including reviewing or auditing the Auditor's own work, acting in a management or a decision making capacity for the Company, acting as advocate for the Company or jointly sharing economic risk and rewards. 41  During the 2016 financial year the following fees were paid or are payable for services provided by the Auditor, its related practices and non-related audit firms: (i) Audit and other assurance services Audit and review of financial statements Other assurance services: Audit of regulatory returns Audit of compliance plan - Responsible entity * Other assurance services Total remuneration for audit and other assurance services (ii) Taxation services Tax services Total remuneration for taxation services (iii) Other services Other services Total remuneration of PricewaterhouseCoopers Australia Total remuneration of auditors 2016 $ 2015 $ 364,115 280,540 26,000 26,395 59,765 476,275 52,860 54,952 43,146 431,498 128,588 128,588 130,531 130,531 - 604,863 604,863 - 562,029 562,029 * Compliance plan audit charges are on-charged to managed funds to which responsible entity services are provided. Auditor's independence declaration A copy of the Auditor's independence declaration as required under section 307C of the Corporations Act 2001 is set out on page 43 of the 2016 Annual Report. Rounding of amounts is of a kind referred to in The Company Financial/Directors reports) Instrument 2016/191, issued by the Australian Securities and Investments Commission, relating to the ''rounding off'' of amounts in the directors' report. Amounts in this report have been rounded off in accordance with that Instrument to the nearest thousand dollars, or in certain cases, to the nearest dollar. in ASIC Corporations (Rounding Auditor PricewaterhouseCoopers continues in office in accordance with section 327 of the Corporations Act 2001. This report is made in accordance with a resolution of directors. A Watson Chairman Pinnacle Investment Management Group Limited Sydney 30 August 2016 42  43 08  Corporate Governance Introduction This Corporate Governance statement, which has been approved by the Board, describes the Company’s corporate governance practices and framework which were in place during the 2016 financial year. In the 2017 financial year, as a result of the Pinnacle Acquisition, the appointment of two new independent directors to the Board and the changes to the Group’s corporate structure, the Board will review and update a number of the Company’s governance policies and practices. Summary The Group’s compliance with the ASX Principles during the 2016 financial year is summarised in the table below: ASX Principle Comply / Non Comply Principle 1: Lay solid foundations for management and oversight Recommendation 1.1 A listed entity should disclose: Comply (a) the respective roles and responsibilities of the board, the chair and management; and (b) those matters expressly reserved to the board and those delegated to management. Recommendation 1.2 A listed entity should: Comply (a) undertake appropriate checks before appointing a person, or putting forward to security holders a candidate for election, as a director; and (b) provide security holders with all material information relevant to a decision on whether or not to elect or re-elect a director. Recommendation 1.3 Recommendation 1.4 A listed entity should have a written agreement with each director and senior executive setting out the terms of their appointment. Comply The company secretary of a listed entity should be accountable directly to the board, through the chair, on all matters to do with the proper functioning of the board Comply Recommendation 1.5 A listed entity should: (a) have a diversity policy which includes Non-comply See paragraph 1.5 for further 44  requirements for the board to set measurable objectives for achieving gender diversity and to assess annually both the objectives and the entity’s progress in achieving them; detail (b) disclose that policy or a summary of it; and (c) disclose as at the end of each reporting period the measurable objectives for achieving gender diversity set by the board in accordance with the entity’s diversity policy and its progress towards achieving them and either: (1) the respective proportions of men and women on the board, in senior executive positions and across the whole organisation (including how the entity has defined “senior executive” for these purposes); or (2) the entity’s “Gender Equality Indicators”, as defined in the Workplace Gender Equality Act 2012 Recommendation 1.6 A listed entity should: Comply (a) have and disclose a process for periodically evaluating the performance of the board, its committees and individual directors; and (b) disclose in relation to each reporting period, whether a performance evaluation was undertaken in the reporting period in accordance with that process. Recommendation 1.7 A listed entity should: Comply (a) have and disclose a process for periodically evaluating the performance of its senior executives; and (b) disclose in relation to each reporting period, whether a performance evaluation was undertaken in the reporting period in accordance with that process. 45  Non-comply See paragraph 2.4 on future Board and Committee composition Principle 2 Structure the Board to add value Recommendation 2.1 The board of a listed entity should: (a) have a nomination committee which: (1) has at least three members, a majority of whom are independent directors; and (2) is chaired by an independent director, and disclose (3) the charter of the committee; (4) the members of the committee; and (5) as at the end of each reporting period, the number of times the committee met throughout the period and the individual attendances of the members at those meetings; (b) or, if it does not have a nomination committee, disclose that fact and the processes it employs to address board succession issues and to ensure that the board has the appropriate balance of skills, experience, independence and knowledge of the entity to enable it to discharge its duties and responsibilities effectively. Recommendation 2.2 A listed entity should have and disclose a statement as to the mix of skills and diversity that the board is looking to achieve in its membership. Comply Recommendation 2.3 A listed entity should disclose: Comply (a) the names of the directors considered by the board to be independent directors; (b) if a director has an interest, position, association or relationship of the type described in Box 2.1 but the board is of the opinion that it does not compromise the independence of the director, the nature of the interest, position, association or relationship in question and an explanation of why the board is of that opinion; and 46  (c) the length of service of each director Recommendation 2.4 A majority of the board of a listed entity should be independent directors Recommendation 2.5 The chair of the board of a listed entity should be an independent director and, in particular, should not be the same person as the CEO of the entity. Recommendation 2.6 A listed entity should have a program for inducting new directors and provide appropriate professional development opportunities for directors to develop and maintain the skills and knowledge needed to perform their role as directors effectively. Non-Comply See paragraph 2.4 on future Board and Committee composition Following the appointment of Mr Alan Watson on 23 October 2015, the Company has complied Comply Principle 3 Promote ethical and responsible decision-making Recommendation 3.1 A listed entity should: Comply (a) have a code of conduct for its directors, senior executives and employees; and (b) disclose that code or a summary of it. Principle 4 Safeguard integrity in financial reporting Recommendation 4.1 The board of a listed entity should: (a) have an audit committee which: (1) has at least three members, a majority of whom are independent directors; and (2) is chaired by an independent director, and disclose (3) the charter of the committee; (4) the members of the committee; and (5) as at the end of each reporting period, the number of times the committee met throughout the period and the individual attendances of the members at Non-comply See paragraph 2.4 on future Board and Committee composition 47  Recommendation 4.2 those meetings; or (b) if it does not have an audit committee, disclose that fact and the processes it employs that independently verify and safeguard the integrity of its corporate reporting, including the processes for the appointment and removal of the external auditor and the rotation of the audit engagement partner. The board of a listed entity should, before it approves the entity’s financial statements for a financial period, receive from its CEO and CFO a declaration that the financial records of the entity have been properly maintained and that the financial statements comply with the appropriate accounting standards and give a true and fair view of the financial position and performance of the entity and that the opinion has been formed on the basis of a sound system of risk management and internal control which is operating effectively. Comply Recommendation 4.3 A listed entity that has an AGM should ensure that its external auditor attends its AGM and is available to answer questions from security holders relevant to the audit. Comply Principle 5 Make timely and balanced disclosure Recommendation 5.1 A listed entity should: Comply (a) have a written policy for complying with its continuous disclosure obligations under the Listing Rules; and (b) disclose that policy or a summary of it. Principle 6 Respect the rights of shareholders Recommendation 6.1 Recommendation 6.2 Recommendation 6.3 A listed entity should provide information about itself and its governance to investors via its website. A listed entity should design and implement an investor relations program to facilitate effective two-way communication with investors. A listed entity should disclose the policies and processes it has in place to facilitate and encourage participation at meetings of security holders. Comply Comply Comply 48  Recommendation 6.4 A listed entity should give security holders the option to receive communications from, and send communications to, the entity and its security registry electronically. Comply Non-comply See paragraph 2.4 on future Board and Committee composition Principle 7 Recognise and manage risk Recommendation 7.1 The board of a listed entity should: (a) have a committee or committees which: (1) has at least three members, a majority of whom are independent directors; and (2) is chaired by an independent director, and disclose (3) the charter of the committee; (4) the members of the committee; and (5) as at the end of each reporting period, the number of times the committee met throughout the period and the individual attendances of the members at those meetings; or (b) if it does not have a committee or committees that satisfy (a) above, disclose that fact and the processes it employs for overseeing the entity’s risk management framework. Recommendation 7.2 The board or a committee of the board should: Comply (a) review the entity’s risk management framework with management at least annually to satisfy itself that it continues to be sound, to determine whether there have been any changes in the material business risks the entity faces and to ensure that they remain within the risk appetite set by the board; and (b) disclose in relation to each reporting period, whether such a review has taken place. 49  Recommendation 7.3 A listed entity should disclose: (a) if it has an internal audit function, how the function is structured and what role it performs; or (b) if it does not have an internal audit function, that fact and the processes it employs for evaluating and continually improving the effectiveness of its risk management and internal control processes. Non-comply See paragraph 7.3 below for further detail Recommendation 7.4 A listed entity should disclose whether, and if so how, it has regard to economic, environmental and social sustainability risks. Comply Principle 8 Remunerate fairly and responsibly Recommendation 8.1 The board of a listed entity should: (a) have a remuneration committee which: (1) has at least three members, a majority of whom are independent directors; and (2) is chaired by an independent director, and disclose (3) the charter of the committee; (4) the members of the committee; and (5) as at the end of each reporting period, the number of times the committee met throughout the period and the individual attendances of the members at those meetings; or (b) if it does not have a remuneration committee, disclose that fact and the processes it employs for setting the level and composition of remuneration for directors and senior executives and ensuring that such remuneration is appropriate and not excessive. A listed entity should separately disclose its policies and practices regarding the remuneration of non-executive directors and the remuneration of executive directors and Recommendation 8.2 Non-comply See paragraph 2.4 on future Board and Committee composition Comply 50  other senior executives. Recommendation 8.3 A listed entity which has an equity-based remuneration scheme should: Comply (a) have a policy on whether participants are permitted to enter into transactions (whether through the use of derivatives or otherwise) which limit the economic risk of participating in the scheme; and (b) disclose that policy or a summary of it. 51  1. Foundations for Management and Oversight The relationship between the Board, the Managing Director of the Company and senior executive management is critical to the Group’s long term success. The Group’s governance framework during the 2016 financial year can be represented diagrammatically as follows: 1.1 Responsibilities of the Board The responsibilities of the Board include:  approving corporate strategy and performance objectives  approving the Group’s budget and financial statements and monitoring financial performance against forecasts  determining dividend policy and the amount and timing of any dividends  capital management, including the issuing or cancellation of new securities  oversight of the Group’s overall significant risks, including its risk management, internal compliance, control and accountability systems  approving and monitoring the progress of major capital expenditure, capital management, and acquisitions and divestitures  oversight of the overall corporate governance of the Group 52   oversight of the Board’s committees  maintaining an ongoing dialogue with the Group’s Auditors and, where appropriate, principal regulators, to provide reasonable assurance of compliance with all regulatory requirements  considering the social, ethical and environmental impact of the Group’s activities and monitoring sustainability practices  selecting, appointing and terminating the external Auditor (including associated recommendations to shareholders for approval)  reviewing and approving Non-executive directors’ Board and committee fees, subject to the Board fee pool approved by shareholders  selecting, appointing and determining terms of appointment of the Managing Director  determining the corporate goals and objectives relevant to the remuneration of the Managing Director and evaluating the performance of the Managing Director in light of these objectives  reviewing succession plans for the Managing Director and senior executives  considering and approving the Group’s remuneration policy. The Chairman is responsible for leading the Board and ensuring that it functions efficiently and effectively, representing the Group to the public generally, ensuring directors receive accurate and timely information, monitoring the performance of the Managing Director and of the Board, determining together with the Managing Director, what matters should be the concern of the Board and which should be left to executive management and, in conjunction with the Managing Director, growing the sustainable per share value of the Company. The Board charter requires that the roles of the Chairman and the Managing Director be undertaken by separate people. The Managing Director is responsible for the day to day operations of the Company, ensuring that the Board is kept abreast of the major matters affecting the Group, and in conjunction with senior executive management reviewing operations, financial performance, staff engagement, client services and implementing strategies and polices for the Company. The chairman and managing director of Pinnacle is responsible for the day to day operations of Pinnacle and for implementing Pinnacle’s strategies and policies. He prepares business plans and reports to the Pinnacle board on achievements against objectives set out in the business plans and reviews operations, financial performance, strategy implementation and client services. Any powers not specifically reserved for the Board are deemed to have been delegated to the Managing Director and the chairman and managing director of Pinnacle. 1.2 Election and selection of new directors Under the Company’s constitution, all directors must retire from office (and may seek re-election) no later than the third annual general meeting following their last election. When a director stands for election or re-election, the Board provides shareholders 53  with information in relation to a director’s biographical details, qualifications, skills and experience, as well as details of any other directorships or material interests they hold. The Board provides its recommendation in relation to any proposed re-election of a director in the notice of meeting that is sent to shareholders. Prospective candidates for election to the Board are reviewed by the Remuneration and Nominations Committee. The Remuneration and Nominations Committee considers the experience, skills, gender and background of the candidates and the requirements of the Board, to ensure the Board’s overall composition enables it to discharge its responsibilities and lead the Company effectively. 1.3 Service agreements All directors and senior executives have a written agreement with the Company setting out the terms of their appointment. 1.4 Company Secretary The Company Secretary is appointed by the Board and is also the General Counsel. The Company Secretary attends Board and Board Committee meetings and is responsible for providing the Board with advice on legal and corporate governance issues. The Company Secretary is responsible for the operation of the secretariat function, including implementing the Company’s governance framework and, in conjunction with the Managing Director, giving practical effect to the Board’s decisions. The Company Secretary is accountable to the Board through the Chairman, on all matters to do with the proper functioning of the Board. 1.5 Diversity As the Company had only 10 employees within head office at the start of the 2016 financial year, the Board did not consider it appropriate to have a standalone diversity policy or to measure progress against that policy. Instead, the Company has implemented an employee handbook which includes policy on flexible work place arrangements, purchased learning and development and a workplace code of conduct. These policies are designed to foster and support equal opportunity in the workplace. leave, paid parental leave, access to In the 2016 financial year, the Company was not required to lodge a mandatory report under the Workplace Gender Equality Act 2012. The table below shows the average number of and remuneration for male and female employees across the Group as at 30 June 2016 (excluding Pinnacle) and comparatives for the prior year: 54  Board* Senior Executive** Remaining Organisation Average Remuneration*** l d Average Remuneration*** l Number Average Number Number 3 0 4 $138,395 0 N/A 2 1 9 1 $310,000 $236,900 $332,399 $236,900 2 2 112 46 $166,875 $74,981 $196,145 $101,197 FY2016 Male Female FY2015 Male Female *excludes the Managing Director ** Senior Executive defined as a member of the executive committee and one level below the Board *** includes base salary and superannuation The percentage of female employees in the Group (excluding Pinnacle) in various roles as at 30 June 2016 was:  Board – 0% (0 of 4)  Senior executive – 33.3% (1 of 3)  Female employees across the organisation – 50% (2 of 4) 1.6 Review of Board and director performance During the 2016 financial year, the Board commenced a process to conduct an assessment of its performance, the performance of individual non-executive directors, the Chairman and Mr Alexander Grant. The process was concluded after the end of the 2016 financial year. 1.7 Review of senior executive performance Performance reviews of senior executives of the Company are conducted annually by the Managing Director. In the 2016 financial year, these reviews were conducted in June 2016. In Pinnacle, senior executives’ performance is monitored and reviewed through a combination of written and verbal appraisals held throughout the year. 2. Structure of the Board 2.1 Remuneration and Nominations Committee On 24 October 2016, in light of the small number of staff in the Company’s head office and the reduced number of directors, the Board determined not to delegate authority to a separate Remuneration and Nominations Committee. Instead, the Board assumed the role of the Remuneration and Nominations Committee with all directors as members. The Company Secretary also acted as Secretary to the committee. During the 2016 financial year, the Board acted as the Remuneration and Nomination Committee on 3 occasions with a quorum present on each occasion. Further commentary in relation to the future composition of this Committee is provided at paragraph 2.4 above. 55  The role of the Remuneration and Nominations Committee includes:  ensuring that there are remuneration policies and practices to attract and retain executives and directors who will create value for shareholders  ensuring the Group observes those remuneration policies and practices  fairly and responsibly rewarding executives having regard to the performance of the Group and the interests of stakeholders  ensuring compliance with the ASX listing Rules, ASX Principles and the Corporations Act 2001  assisting the Chairman to facilitate the review of Board performance annually  the appointment of new directors, both executive and non-executive  developing selection criteria for and identifying and assessing candidates for appointment to the Board, having regard to the Company’s diversity policy  establishing procedures for recommendation to the Chairman for the proper oversight of the Board and management. An external consultant or advisor may be engaged where it is considered appropriate to assist the Remuneration and Nominations Committee to identify and select candidates with the desired skills and experience and to add diversity to the Board. The Remuneration and Nomination Committee does not have responsibility for, or oversight of, remuneration arrangements for Pinnacle and the Pinnacle Boutiques which are the responsibility of the Pinnacle board. Further details of the remuneration arrangements in place for non-executive directors and Key Management Personnel are set out in the remuneration report commencing on page 28. The Charter for the Remuneration and Nominations Committee appears on the Company’s website at http://www.pinnacleinvestment.com/shareholders- investor-centre/ 2.2 Board skills matrix The experience, qualifications and skills of the Board includes expertise in the following areas relevant to the Group:  Financial services including Funds Management  Mergers and Acquisitions  Business Analysis  Remuneration models  Risk and compliance  Legal  Accounting 56   Marketing and distribution  Media  Investor relations 2.3 Independence and Length of Service The composition of the Board and the biographies of its directors, including their experience, expertise, qualifications, term of office and independence status, are set out on pages 21 to 25 of the 2016 Annual Report. The Board has adopted the test of director independence set out in Box 2.3 of the ASX Principles. Having regard to this definition, the Board considers a director to be independent if he or she is not a member of management and is free of any interest and any business or other relationship which could, or could reasonably be perceived to, materially interfere with a director’s ability to act in the best interests of the Company. The Board has not adopted any quantitative thresholds in relation to dealing with entities in which a director may have a financial interest and instead performs assessments on a case by case basis. At 30 June 2016, Steven Wilson and Alexander Grant both have a substantial holding in the issued shares of the Company. Consistent with obligations imposed by the Corporations Act 2001 and the ASX Listing Rules, directors are required to declare any conflicts of interest and, where deemed necessary, do not participate in any discussions or any decisions which relate to the conflict. The Board regularly assesses the independence of the non-executive directors based on their disclosure of interests and the principles set out in Box 2.3 of the ASX Principles. As at the date of this report:  Alan Watson is the independent non-executive Chairman  Steven Skala is Vice Chairman of Deutsche Bank AG Australia and New Zealand and was a director of Deutsche Australia for the majority of the 2016 financial year. Mr Skala was not considered to be independent due to that affiliation.  Chum Darvall, who resigned as a director on 31 August 2015, ceased to be the nominated director of Deutsche Australia on 1 July 2014. Given his past relationship and Deutsche Australia’s substantial shareholding, the Board determined that it did not consider Mr Darvall to be an independent non-executive director.  Steve Wilson is not considered independent as he has a substantial shareholding in the Company’s securities and has an ongoing relationship with the Group and its clients. 2.4 Balance of Independent and Non-Independent Directors The composition of the Board is guided by the Company’s constitution and the relevant provisions of the Board charter, which require the Board to be between three and 10 directors comprised of at least half non-executive directors and at least two independent directors (as defined in the ASX Principles) having a mix of complementary skills and experience from a diverse range of backgrounds, including gender. As at the date of this report, the Board comprised four directors, three of whom are non-executive directors, of which one is considered independent. From 1 September 57  2016 and as part of the Pinnacle Acquisition, the composition of the Board will change and will be comprised of:  four non-executive directors: o Alan Watson – independent Chairman o Deborah Beale – non-executive independent director o Gerard Bradley – non-executive independent director o Steve Wilson – non-executive director  three executive directors: o Ian Macoun – Managing Director o Andrew Chambers – senior executive o Adrian Whittingham – senior executive From 1 September 2016, each of the Audit, Compliance and Risk Management Committee and the Remuneration and Nominations Committee will have at least three non-executive, independent directors one of whom will also act as Chair. The charts below show the current lengths of tenure of directors and the balance between independent non-executive directors, non-executive directors and executive directors as at the date of this report: 2.5 Separate roles of Chairman and Managing Director During the 2016 financial year, the roles of Chairman and Managing Director of the Company were held by separate directors. The non-executive directors meet regularly, without the Managing Director or management present, to discuss the operation of the Board and other matters. Relevant matters arising from these meetings are tabled with the full Board at the following Board meeting. Directors and Board committees have the right, in connection with their duties and responsibilities, to seek independent professional advice at the Group's expense. 2.6 Induction of new directors Orientation programs are in place for all newly appointed directors. 58  Directors are encouraged to continue their education by attending external training and education sessions that keep directors informed of relevant regulatory and market developments and ensure that each director is well placed to effectively discharge his or her responsibilities. 3. Ethical and Responsible Decision Making The Company has a Code of Conduct which applies to all directors, employees, contractors and consultants of the Company and its related bodies corporate, including Pinnacle. The Code of Conduct is reviewed regularly. The Code of Conduct requires that directors, employees, consultants and contractors:  be faithful and diligent, and actively pursue the Group’s best interests and at all times maintain reasonable ethical, professional and technical standards  devote the whole of their time, attention and skill during normal working hours and at other times as reasonably necessary to their duties  do not act in conflict with the best interests of the Group  do not compete with the Group  do not, in performing their duties, accept any financial or other benefit except from the Group  do not conduct themselves in a manner, whether during or after work hours, causes damage or potential damage to the Group’s property or reputation  do not use internet, email or voicemail at their workplace for excessive personal use or to view or distribute offensive or illegal material  do not unlawfully discriminate against, or sexually harass, another person. A copy of the Code of Conduct is available on the Company’s website at http://www.pinnacleinvestment.com/shareholders-investor-centre/ 4. Integrity in Financial Reporting 4.1 Audit, Compliance and Risk Committee Since 1 September 2015, following the resignation of Chum Darvall, the Audit, Compliance and Risk Committee has been chaired by Don Mackenzie. During the 2016 financial year, its members were initially Chum Darvall, Steve Wilson and Don Mackenzie and then following Mr Darvall’s resignation, Don Mackenzie, Steve Wilson and Alexander Grant. The Company Secretary also acts as Secretary of the Committee. Further commentary in relation to the future composition of this Committee is provided at paragraph 2.4 above. Mr Mackenzie in an external independent specialist with particular expertise in audit and accounting. Mr Mackenzie has acted as a director/non- director independent member of audit committees for several ASX listed companies including Structural Systems Limited, Silver Chef Limited and Aveo Healthcare Limited (formerly Forest Place Group Limited). Mr Wilson has commerce and law degrees and worked as a tax accountant for Ernst & Young and as Head of Research of the Securities business, has accounting and investment analysis skills. Mr Wilson has served on many audit, compliance and risk 59  committees including Telstra Corporation, Queensland Tourism Corporation and Southbank Corporation. Mr Grant has a commerce degree and has extensive investment analysis skills having held the role of head of Priority Funds and prior to that head of Institutional stockbroking with the Securities business. Mr Grant has served on other audit, compliance and risk committees. The role of the Audit Compliance and Risk Management Committee is to:  approving and monitoring the establishment of an appropriate internal compliance and risk framework  overseeing business continuity planning   reviewing reports on any material defalcations, frauds and thefts from the Group reviewing reports on the adequacy of insurance coverage  monitoring compliance with relevant legislative and regulatory requirements        reviewing significant transactions which are not a normal part of the Group’s business reviewing the nomination, performance and independence of the external auditors, including recommendations to the Board for the appointment or removal of any external auditor liaising with the external auditors and ensuring that the annual audit and half yearly review are conducted in an effective manner that is consistent with Committee members’ information and knowledge and is adequate for shareholder needs reviewing management processes supporting external reporting reviewing the significant accounting and financial reporting issues and judgements, including complex or unusual transactions made in connection with the preparation of the Company’s financial statements, interim reports, preliminary announcements and related formal statements reviewing the disclosures in the financial statements reviewing recent regulatory and professional pronouncements and understanding their impact on the financial statements, as advised by the Chief Financial Officer  making recommendations to the Board in relation to the adoption and approval of the Company’s financial statements and other financial information distributed externally   reviewing external audit reports to ensure that, where major deficiencies or breakdowns in controls or procedures have been identified, appropriate and prompt remedial action is taken by management reviewing and monitoring compliance with the Group’s Code of Conduct. ensure an appropriate Committee structure is in place so as to facilitate a proper review function by the Board The responsibilities of the Audit Compliance and Risk Committee apply only to the 60  Group and its controlled entities. The Audit Compliance and Risk Committee does not perform any function in respect of entities where the Company does not have the capacity to determine the outcome of decisions in relation to financial and operating policies. These entitles include the Pinnacle Boutiques, the boards of which are responsible for audit, compliance and risk oversight. During the 2016 financial year, the Audit Compliance and Risk Management Committee met four times with all members attending. Further details of the Audit Compliance and Risk Management Committee’s role are set out in the Audit Compliance and Risk Management Committee charter which is available on the Company’s website at http://www.pinnacleinvestment.com/shareholders- investor-centre/ 4.2 Senior Management Assurance For the year ended 30 June 2016, in accordance with Principle 4.2 of the ASX Principles and s295A Corporations Act 2001, the Board has received written certification from the chief executive officer (Mr Ian Macoun) and the chief financial officer (Mr Alex Ihlenfeldt) that:   the financial statements have been properly maintained and that the financial statements comply with the appropriate accounting standards and give a true and fair view of the financial position of the Company; and that the opinion has been founded on a sound system of risk management and internal control which is operating effectively in all material respects in relation to financial reporting risks. 4.3 Participation of External Auditors The performance of the external auditor is reviewed annually. PricewaterhouseCoopers (appointed in 2002) is the Group’s auditor. It is PricewaterhouseCoopers’ policy to rotate audit engagement partners on listed companies at least every five years. The last rotation occurred in the 2014 financial year. An analysis of fees paid to the external auditors, including a breakdown of fees for non- audit services, is provided in the directors’ report at page 42 and in the financial statements. The external auditors provide a declaration of their independence to the Audit Compliance and Risk Management Committee. The external auditor attends the annual general meeting and is available to answer shareholder questions about the conduct of the audit and the preparation and content of the audit report. 5. Continuous Disclosure The Company is committed to giving all shareholders timely and equal access to information concerning the Company. The Company’s Continuous Disclosure Policy is available on the Company’s website at http://www.pinnacleinvestment.com/shareholders-investor-centre/ The Company’s continuous disclosure obligations are reviewed as a standing item on the agenda for each meeting of the Board. The Board has appointed the Group Disclosure Officers to assist it in meeting these obligations. The Board has specific responsibility for disclosure in relation to the following matters: 61   financial results  dividends  profit outlooks, including a material upgrade or downgrade to the Group’s expected results   the award of a new, or the termination of an existing, significant mandate for the funds under management resignations and appointments of directors and key personnel;  material changes to employment, service and consultancy agreements with the Managing Director and any director  key strategic decisions. All information disclosed to the ASX is made available via the Company’s website. This includes ASX announcements, annual reports and half-year reports, notice of members’ meetings, briefings by the Managing Director, media releases and material presented at investor, media and analyst briefings. 6. Respecting the Rights of Shareholders 6.1 Publication of Information The Group strives to ensure that Company announcements are made in a manner which is factual, timely, clear and objective, so as not to omit any information material to decisions of shareholders and potential investors in the Company. Information concerning the Company and the Group, including copies of announcements made through the ASX and the annual report and half yearly report, is made available to shareholders and prospective investors in the Company via the Company’s website. 6.2 Investor Relations Program The Group’s investor relations are the responsibility of the Managing Director, in conjunction with the Chairman as appropriate. 6.3 Participation of shareholders at meetings The Board promotes effective communication with shareholders and encourages their participation at general meetings, and in particular the annual general meeting. The Board aims to ensure that shareholders are informed of all major developments affecting the Group’s state of affairs. The Board has adopted, as part of its Board Charter, procedures to assist the Company to deliver effective shareholder communication. Shareholder participation is encouraged as follows:  The location of the annual general meeting is rotated between different State capital cities to encourage attendance from a cross-section of shareholders  The annual report is distributed to all shareholders according to their stated or inferred preferences. 62   Proposed major changes in the Group which may impact on share ownership rights and the removal and appointment of directors are submitted to a vote of shareholders at a general meeting  The external auditors attend the annual general meeting and are available to answer questions from shareholders on the conduct of the audit and the preparation and content of the audit report  The half yearly report contains summarised financial information and a review of the operations of the Group during the period. 6.4 Electronic communications The Company has a continuing commitment to electronic communication with shareholders and stakeholders generally including via its website. Shareholders may elect to receive information from the Company’s share registry electronically. Electronic on-line voting is made available for shareholders both for annual general meetings and extraordinary general meetings. 7. Recognising and Managing Risk 7.1 Risk Management Committee The Audit, Compliance and Risk Committee is responsible for overseeing and managing risk. Information about the composition and role of this committee has been provided at paragraph 4.1 above. 7.2 Annual review of Risk Management Framework During the 2016 financial year, and following the sale of the Securities business, the risk framework for the Company and its wholly owned subsidiaries was reviewed and updated. The effectiveness of the risk framework, the risks facing the Company and the risk action plans in place to mitigate those risks is a standing agenda item for the Audit, Compliance and Risk Committee. Risk management for the Funds Management business is the responsibility of the Pinnacle managing director and the Pinnacle board. 7.3 Internal Audit During the 2016 financial year, the Group did not have an internal audit function. Instead:  the Company’s internal compliance function was responsible for monitoring internal process and ensuring regulatory compliance  external audit services were engaged in respect of financial reporting In addition to the regular risk monitoring and reporting to the Audit Compliance and Risk Committee, the Board receives regular updates from management on the key risk areas of the Group. The Board also receives periodic written assurances from the Managing Director and the Chief Financial Officer that the information they provide to the Board with regard to the integrity of the financial statements is based on a robust and appropriate system of risk management and internal control and that this system is operating effectively in relation to financial reporting risks. 63  7.4 Economic, Environmental and Social Sustainability Risks The Company’s exposure to economic sustainability risks is the most material risk that it faces. It is also the risk of which the Board is most mindful with constant monitoring of the economic environment in which the Company operates being an ongoing part of daily operational and strategic thinking. The Company’s operations do not expose it to any material environmental risks, nor does it operate in any industry where it has the potential to damage ecosystems. However, the Company may have an indirect exposure to environmental risks if the Priority Funds or Pinnacle Boutiques have a material investment exposure to some industries. The responsibility for monitoring such exposures belongs to their respective investment committees or boards. The Company’s exposure to social sustainability risks are managed through its internal policies and practices in relation to workplace conduct, whistle blower procedures, use of technology and social media, dispute resolution and management of client confidential data. 8. Fair and Responsible Remuneration 8.1 Remuneration Committee The Remuneration and Nominations Committee is responsible for overseeing remuneration for the Company and its wholly owned subsidiaries. Relevant information is provided at paragraph 2.1 above. During the 2016 financial year, the Board did not currently oversee remuneration arrangements for Pinnacle, which is the responsibility of its board and its managing director. 8.2 Remuneration Policies and Practices Remuneration arrangements, policies and practices for non-executive directors, executive directors and senior executives are disclosed in the Group’s remuneration report starting at page 28. There are no schemes in place for retirement benefits for non-executive directors, other than superannuation. The Group’s LTI and STI schemes, including the Pinnacle LTI scheme, do not currently provide for the reduction, cancellation or clawback of performance-based remuneration in the event of serious misconduct or a material misstatement in the Company’s financial statements. 8.3 ‘At Risk’ Remuneration The Company prohibits staff members (including Key Management Personnel) who are participants in equity based remuneration and LTI schemes from taking derivative positions or otherwise limiting their economic risk in respect of their participation in the scheme. Further information on LTI is set out in the remuneration report at page 31. 64  09  Financial Statements Pinnacle Investment Management Group Limited (formerly Wilson Group Limited) ABN 22 100 325 184 Financial Report - 30 June 2016 Contents Financial statements Consolidated statement of comprehensive income Consolidated statement of financial position Consolidated statement of changes in equity Consolidated statement of cash flows Notes to the consolidated financial statements Directors' declaration Independent auditor's report to the members Page 66 68 69 70 71 128 129 These financial statements are the consolidated financial statements of the consolidated entity consisting of Pinnacle Investment Management Group Limited and its subsidiaries. The financial statements are presented in Australian currency. Pinnacle Investment Management Group Limited is a company limited by shares, incorporated and domiciled in Australia. Its registered office and principal place of business is: Pinnacle Investment Management Group Limited Level 19, 307 Queen St Brisbane QLD 4000 A description of the nature of the consolidated entity's operations and its principal activities is included in the Director's report, which is not part of these financial statements. These financial statements were authorised for issue by the Directors on 30 August 2016. The Directors have the power to amend and reissue the financial statements. Through the use of the internet, we have ensured that our corporate reporting is timely and complete. All press releases, financial reports and other information are available at the 'about us' and investor relations pages on our website: www.pinnacleinvestment.com/shareholders-investor- centre/ 65  Pinnacle Investment Management Group Limited Consolidated statement of comprehensive income For the year ended 30 June 2016 Notes 2016 $'000 2015 $'000 Revenue from continuing operations 5 8,384 7,647 Fair value gains/(losses) on financial assets at fair value through profit or loss Employee benefits expense Incentives expense Consultants fees Legal and professional services expense Property expense Technology and communications expense Travel and entertainment expense Insurance expense Market information expense Impairment (reversal)/expense Depreciation and amortisation expense Finance cost expense Other expenses from operating activities Share of net profit of jointly controlled entities accounted for using the equity method Profit before income tax Income tax expense Profit/(loss) from continuing operations Loss from discontinued operations Profit/(loss) for the year Profit/(loss) for the year is attributable to: Owners of Pinnacle Investment Management Group Limited Non-controlling interests 6 6 31(d) 7 8(b) Earnings per share: From continuing operations attributable to owners of Pinnacle Investment Management Group Limited Basic earnings per share Diluted earnings per share Total profit/(loss) attributable to owners of Pinnacle Investment Management Group Limited Basic earnings per share Diluted earnings per share 34 34 34 34 344 (265) (7,901) (3,851) (815) (889) (721) (559) (468) (393) (217) 207 (38) (97) (333) 15,920 8,573 (133) 8,440 (1,248) 7,192 (6,810) (3,181) (627) (637) (1,028) (482) (379) (404) (376) (310) (89) (384) (363) 11,932 4,244 (8,138) (3,894) (3,464) (7,358) 4,537 2,655 7,192 (8,960) 1,602 (7,358) Cents Cents 5.2 5.2 4.1 4.1 (5.2) (5.2) (8.5) (8.5) The above consolidated statement of comprehensive income should be read in conjunction with the accompanying notes. 66  Pinnacle Investment Management Group Limited Consolidated statement of comprehensive income For the year ended 30 June 2016 (continued) Notes 2016 $'000 2015 $'000 Profit/(loss) for the year 7,192 (7,358) Other comprehensive income: Items that may be reclassified to profit or loss Changes to the fair value of available-for-sale financial assets 8(c) 943 - Total comprehensive income/(loss) for the year 8,135 (7,358) Total comprehensive income for the year is attributable to: Owners of Pinnacle Investment Management Group Limited Non-controlling interests Total comprehensive income for the year attributable to owners of Pinnacle Investment Management Group Limited arises from: Continuing operations Discontinued operations 8(b) 5,480 (8,960) 2,655 8,135 1,602 (7,358) 5,785 (305) (5,496) (3,464) 5,480 (8,960) The above consolidated statement of comprehensive income should be read in conjunction with the accompanying notes. 67  Pinnacle Investment Management Group Limited Consolidated statement of financial position As at 30 June 2016 ASSETS Current assets Cash and cash equivalents Trade and other receivables Financial assets at fair value through profit or loss Derivative financial assets Other current assets Assets classified as held for sale Total current assets Non-current assets Investments accounted for using the equity method Property, plant and equipment Intangible assets Available-for-sale financial assets Other non-current assets Total non-current assets Total assets LIABILITIES Current liabilities Trade and other payables Provisions Other current liabilities Liabilities of disposal group classified as held for sale Total current liabilities Non-current liabilities Provisions Total non-current liabilities Total liabilities Net assets Notes 9 10 11 12 13 8 31 14 8(c) 16 17 18 19 8 21 EQUITY Contributed equity Reserves Accumulated losses Capital and reserves attributable to owners of Pinnacle Investment Management Group Limited 22 23(a) 23(b) Non-controlling interests Total equity 2016 $'000 13,544 5,670 10,918 - 2,661 - 2015 $'000 13,570 3,160 6,195 89 3,637 17,094 32,793 43,745 24,528 135 14 943 - 25,620 58,413 6,206 979 1,572 - 8,757 73 73 8,830 49,583 61,946 1,167 (19,982) 43,131 6,452 49,583 19,408 53 - - 753 20,214 63,959 5,093 1,939 - 12,225 19,257 232 232 19,489 44,470 61,466 (307) (20,486) 40,673 3,797 44,470 The above consolidated statement of financial position should be read in conjunction with the accompanying notes. 68  Pinnacle Investment Management Group Limited Consolidated statement of changes in equity For the year ended 30 June 2016 Attributable to owners of Pinnacle Investment Management Group Limited Notes Contributed equity $'000 Reserves $'000 Accumulated losses $'000 Total $'000 Non- controlling interests $'000 Total equity $'000 57,534 1,231 (6,924) 51,841 2,604 54,445 - (8,960) (8,960) 1,602 (7,358) Balance at 1 July 2014 Total comprehensive income for the year Transactions with owners in their capacity as owners: Share-based payments Transactions with non- controlling interests Dividends paid to shareholders Movement in treasury stock held by employee share trust Transfer from reserves Issue of shares on exercise of options Balance at 30 June 2015 Balance at 1 July 2015 Total comprehensive income for the year Transactions with owners in their capacity as owners: Share-based payments Dividends paid to shareholders Issue of shares on exercise of options Balance at 30 June 2016 23 23 22 23 23 23 - - - - 2,420 3,932 61,466 61,466 - - - 480 480 61,946 132 1,380 - (1,380) (158) - - - - - (158) - (158) - (409) (409) (4,602) (4,602) - - - 132 - 2,420 - - - - (4,602) 132 - 2,420 (1,538) (4,602) (2,208) (409) (2,617) (307) (307) (20,486) 40,673 3,797 44,470 (20,486) 40,673 3,797 44,470 943 4,537 5,480 2,655 8,135 531 - - 531 1,167 - 531 (4,033) (4,033) - 480 (4,033) (3,022) - - - - 531 (4,033) 480 (3,022) (19,982) 43,131 6,452 49,583 The above consolidated statement of changes in equity should be read in conjunction with the accompanying notes. 69  Pinnacle Investment Management Group Limited Consolidated statement of cash flows For the year ended 30 June 2016 Cash flows from operating activities Receipts from customers Payments to suppliers and employees Receipts of premiums on put options over listed securities Payments of premiums on put options over listed securities Dividends and distributions received Interest received Finance and borrowings costs paid Loan facility advances - clients Loan facility repayment - clients Proceeds from sale of financial assets at fair value through profit or loss Payments to purchase financial assets at fair value through profit or loss Net cash (outflow)/inflow from operating activities Cash flows from investing activities Repayment of loans by other entities Payments for property, plant and equipment Payments for intangible assets Proceeds from sale of investments in subsidiaries Cash transfer on deconsolidation of subsidiary Payments for investments accounted for using the equity method Loan repayments from related parties Loan advances to related parties Net cash inflow/(outflow) from investing activities Cash flows from financing activities Dividends paid to non-controlling interests Dividends paid to shareholders Proceeds from issue of shares and other equity securities Net cash (outflow) from financing activities Net (decrease)/increase in cash and cash equivalents Notes 2016 $'000 2015 $'000 7,325 65,575 (16,902) (71,248) - - 13,691 198 (197) - - 339 (339) 12,503 605 (425) 3,959 (3,215) 1,117 5,592 33 (5,407) (175) (6,399) 6,947 - (124) (9) 4,000 - (3,150) 3,474 (366) 3,825 - (4,033) 357 (3,676) (26) 13,570 - 13,544 17 (106) (6) 246 (33) - 1,321 (2,278) (839) (409) (4,602) 2,430 (2,581) 3,527 20,604 (10,561) 13,570 Cash and cash equivalents at the beginning of the financial year Less cash transferred to assets of disposal group held for sale Cash and cash equivalents at end of year 8(d) 9 The consolidated statement of cash flows includes cash flows from continuing and discontinued operations. The above consolidated statement of cash flows should be read in conjunction with the accompanying notes. 70  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 Notes to the consolidated financial statements 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 Summary of significant accounting policies Financial risk management Critical accounting estimates and judgements Segment information Revenue from continuing operations Expenses Income tax Assets and liabilities of disposal group classified as held for sale and discontinued operation Current assets - Cash and cash equivalents Current assets - Trade and other receivables Current assets - Financial assets at fair value through profit or loss Derivative financial assets and liabilities Current assets - Other current assets Non-current assets - Property, plant and equipment Net deferred tax assets Non-current assets - Other non-current assets Current liabilities - Trade and other payables Current liabilities - Provisions Current liabilities - Other current liabilities Current liabilities - Financing arrangements Non-current liabilities - Provisions Contributed equity Reserves and accumulated losses Dividends Key Management Personnel Remuneration of auditors Contingencies Commitments Related party transactions Subsidiaries Investments accounted for using the equity method Events occurring after the reporting period Additional cash flow information Earnings per share Share-based payments Parent Entity financial information Page 72 86 93 94 97 97 98 99 101 102 102 102 103 103 104 105 106 106 106 107 108 109 110 111 112 114 114 115 115 118 120 122 123 124 125 127 71  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 1 Summary of significant accounting policies The principal accounting policies adopted in the preparation of these consolidated financial statements are set out below. These policies have been consistently applied to all the years presented, unless otherwise stated. The financial statements are for the consolidated entity consisting of Pinnacle Investment Management Group Limited and its subsidiaries ("the Group") - refer to note 30. (a) Basis of preparation These general purpose financial statements have been prepared in accordance with Australian Accounting Standards and Interpretations issued by the Australian Accounting Standards Board and the Corporations Act 2001. The Group is a for profit entity for the purpose of preparing the financial statements. (i) Compliance with IFRS The consolidated financial statements of the Group also comply with International Financial Reporting Standards (IFRS) as issued by the International Accounting Standards Board (IASB). (ii) New and amended standards adopted by the Group A number of new or amended standards became applicable for the current reporting period, however, the Group did not have to change its accounting policies or make retrospective adjustments as a result of adopting these standards. (iii) Early adoption of standards The Group has elected not to apply any of the pronouncements before their operative date in the annual reporting period beginning 1 July 2015. (iv) Historical cost convention These financial statements have been prepared under the historical cost convention, as modified by the revaluation of available for sale financial assets, financial assets (including derivative instruments) at fair value through profit or loss and assets and liabilities of the disposal group measured at the lower of cost and fair value less costs to sell. (v) Critical accounting estimates and judgements The preparation of financial statements requires the use of accounting estimates. It also requires management to exercise its judgement in applying the Group's accounting policies. The areas involving a higher degree of judgement or complexity, or areas where assumptions and estimates are significant to the financial statements, are disclosed in note 3. (vi) Adjustment of prior period balances Prior period balances have been adjusted where changes in the business have resulted in additional or altered disclosures in the current period. (b) Principles of consolidation (i) Subsidiaries The consolidated financial statements incorporate the assets and liabilities of all subsidiaries of Pinnacle Investment Management Group Limited ("Company" or "Parent Entity") as at 30 June 2016 and the results of all subsidiaries for the year then ended. Pinnacle Investment Management Group Limited and its subsidiaries together are referred to in these financial statements as the Group or the consolidated entity. Subsidiaries are all entities (including structured entities) over which the Group has control. The Group controls an entity when the Group is exposed to, or has rights to, variable returns from its involvement with the entity and has the ability to affect those returns through its power to direct the activities of the entity. 72  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 1 Summary of significant accounting policies (continued) (b) Principles of consolidation (continued) Subsidiaries are fully consolidated from the date on which control is transferred to the Group. They are deconsolidated from the date that control ceases. The acquisition method of accounting is used to account for business combinations by the Group (refer to note 1(h)). Intercompany transactions, balances and unrealised gains on transactions between Group companies are eliminated. Unrealised losses are also eliminated unless the transaction provides evidence of the impairment of the asset transferred. Accounting policies of subsidiaries have been changed where necessary to ensure consistency with the policies adopted by the Group. Non-controlling interests in the results and equity of subsidiaries are shown separately in the consolidated statement of comprehensive income, consolidated statement of changes in equity and consolidated statement of financial position, respectively. (ii) Employee share trust The Group has formed trusts to administer the Group's employee share plans. Where the substance of the relationship is that control rests with the Group, the employee share trust is consolidated and the shares held by the trust are disclosed as treasury stock and deducted from contributed equity (refer to note 22 and note 35(a)). (iii) Entities under joint control Entities under joint control are all entities over which the Group has a shareholding of between 20% and 49.99% of the voting rights, and is not deemed to control under relevant accounting standards. These entities have been assessed to meet the classification of joint venture under AASB 11 Joint arrangements, due to the requirement for unanimous decision making in relation to a number of strategic matters contained in the shareholders agreements. Further, the Group does not have direct rights to the assets, and obligations for the liabilities of the entities. Investments in entities under joint control are accounted for in the consolidated financial statements using the equity method of accounting, after initially being recognised at cost. The Group's investment in entities under joint control includes goodwill (net of any accumulated impairment loss) identified on acquisition (refer to note 31). The Group’s share of the post-acquisition profits or losses and other comprehensive income of entities under joint control is recognised in the consolidated statement of comprehensive income. The cumulative post-acquisition movements are adjusted against the carrying amount of the investment. Dividends received or receivable from entities under joint control are recognised as a reduction in the carrying amount of the investment in the consolidated statement of financial position. When the Group's share of losses in an entity under joint control equals or exceeds its interest in the entity under joint control, including any other unsecured long-term receivables, the Group does not recognise further losses, unless it has incurred obligations or made payments on behalf of the entity under joint control. Unrealised gains on transactions between the Group and entities under joint control are eliminated to the extent of the Group's interest in the entities under joint control. Unrealised losses are also eliminated unless the transaction provides evidence of an impairment of the asset transferred. Accounting policies of entities under joint control have been changed where necessary to ensure consistency with the policies adopted by the Group. The carrying amounts of investments in entities under joint control is tested for impairment in accordance with the policy described in note 1(i). 73  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 1 Summary of significant accounting policies (continued) (b) Principles of consolidation (continued) (iv) Changes in ownership interests The Group treats transactions with non-controlling interests that do not result in a loss of control as transactions with equity owners of the Group. A change in ownership interest results in an adjustment between the carrying amounts of the controlling and non-controlling interests to reflect their relative interests in the subsidiary. Any difference between the amount of the adjustment to non-controlling interests and any consideration paid or received is recognised in a separate reserve within equity attributable to owners of Pinnacle Investment Management Group Limited. When the Group ceases to consolidate or equity account for an investment because of a loss of control, joint control or significant influence, any retained interest in the entity is remeasured to its fair value with the change in carrying amount recognised in the consolidated statement of comprehensive income. This fair value becomes the initial carrying amount for the purposes of subsequently accounting for the retained interest as an associate, entity under 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 the consolidated statement of comprehensive income. If the ownership interest in an entity under joint control is reduced but joint control or significant influence is retained, only a proportionate share of the amounts previously recognised in other comprehensive income is reclassified to profit or loss where appropriate. (c) Segment reporting Operating segments are reported in a manner consistent with the internal reporting provided to the chief operating decision maker. In relation to the Group this function is performed by the Board of Directors. (d) Foreign currency translation (i) Functional and presentation currency Items included in the financial statements of each of the Group's entities are measured using the currency of the primary economic environment in which the entity operates ('the functional currency'). The consolidated financial statements are presented in Australian dollars, which is the Group's functional and presentation currency. (ii) Transactions and balances Foreign currency transactions are translated into the functional currency using the exchange rates prevailing at the dates of the transactions. Foreign exchange gains and losses resulting from the settlement of such transactions and from the translation at year end exchange rates of monetary assets and liabilities denominated in foreign currencies are recognised in the consolidated statement of comprehensive income. (e) Revenue recognition Revenue is measured at the fair value of the consideration received or receivable net of the amount of Goods and Services Tax (GST). The Group recognises revenue when the amount of revenue can be reliably measured, it is probable that future economic benefits will flow to the entity and specific criteria have been met for each of the Group's activities as described below. The Group bases its estimates on historical results, taking into consideration the type of customer, the type of transaction and the specifics of each arrangement. 74  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 1 Summary of significant accounting policies (continued) Revenue is recognised for the major business activities as follows: (i) Brokerage and management fees Brokerage and management fee income are recognised when the Group has performed the related service and the amount of revenue can be reliably measured. (ii) Performance fees Performance fee income is recognised when the Group has met the relevant performance benchmarks. (iii) Equity capital markets and corporate advisory income Equity capital markets and corporate advisory income are recognised when the Group has performed the related service. (iv) Interest income Interest income is recognised using the effective interest method. When a receivable is impaired, the Group reduces the carrying amount to its recoverable amount, being the estimated future cash flow discounted at the original effective interest rate of the loan, and continues unwinding the discount as interest income. Interest income on impaired loans is recognised using the original effective interest rate. (v) Dividends Dividends are recognised as revenue when the right to receive payment is established. This applies even if they are paid out of pre-acquisition profits. However, the investment may need to be tested for impairment as a consequence (refer to note 1(l)). (vi) Service charges to entities under joint control Service charges to entities under joint control are recognised when the relevant services are performed. (f) Income tax The income tax expense or benefit for the period is the tax payable or receivable on the current period's taxable income based on the national income tax rate adjusted by changes in deferred tax assets and liabilities attributable to temporary differences and to unused tax losses. The current income tax charge is calculated on the basis of the tax laws enacted or substantively enacted at the end of the reporting period in the countries where the Company's subsidiaries and entities under joint control operate and generate taxable income. Management periodically evaluates positions taken in tax returns with respect to situations in which applicable tax regulation is subject to interpretation. It establishes provisions where appropriate on the basis of amounts expected to be paid to the tax authorities. Deferred income tax is provided in full, using the liability method, on temporary differences arising between the tax bases of assets and liabilities and their carrying amounts in the consolidated financial statements. However, deferred tax liabilities are not recognised if they arise from the initial recognition of goodwill. Deferred income tax is also not accounted for if it arises from initial recognition of an asset or liability in a transaction other than a business combination that at the time of the transaction affects neither accounting nor taxable profit or loss. Deferred income tax is determined using tax rates (and laws) that have been enacted or substantially enacted by the end of the reporting period and are expected to apply when the related deferred income tax asset is realised or the deferred income tax liability is settled. Deferred tax assets are recognised for deductible temporary differences and unused tax losses only if it is probable that future taxable amounts will be available to utilise those temporary differences and losses. 75  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 1 Summary of significant accounting policies (continued) (f) Income tax (continued) Deferred tax liabilities and assets are not recognised for temporary differences between the carrying amount and tax bases of investments in controlled entities where the Company is able to control the timing of the reversal of the temporary differences and it is probable that the differences will not reverse in the foreseeable future. Deferred tax assets and liabilities are offset when there is a legally enforceable right to offset current tax assets and liabilities and when the deferred tax balances relate to the same taxation authority. Current tax assets and tax liabilities are offset where the entity has a legally enforceable right to offset and intends either to settle on a net basis, or to realise the asset and settle the liability simultaneously. Current and deferred tax is recognised in profit or loss, except to the extent that it relates to items recognised in other comprehensive income or directly in equity. In this case, the tax is also recognised in other comprehensive income or directly in equity, respectively. (i) Tax consolidation legislation Pinnacle Investment Management Group Limited and its wholly-owned Australian controlled entities have implemented the tax consolidation legislation. As a consequence, these entities are taxed as a single entity and the deferred tax assets and liabilities of these entities are set off in the consolidated statement of financial position. The head entity, Pinnacle Investment Management Group Limited, and the controlled entities in the tax consolidated group continue to account for their own current and deferred tax amounts. These tax amounts are measured as if each entity in the tax consolidated group continues to be a standalone taxpayer in its own right. In addition to its own current and deferred amounts, Pinnacle Investment Management Group Limited also recognises the current tax liabilities (or assets) and the deferred tax assets arising from unused tax losses and unused tax credits assumed from controlled entities in the tax consolidated group. Assets or liabilities arising under tax funding agreements with the tax consolidated entities are recognised as amounts receivable from or payable to other entities in the Group. Details about the tax funding agreement are disclosed in note 1(z)(ii). Any difference between the amounts assumed and amounts receivable or payable under the tax funding agreement are recognised as a contribution to (or distribution from) wholly-owned tax consolidated entities. (g) Leases Leases in which a significant portion of the risks and rewards of ownership are not transferred to the Group as lessee are classified as operating leases (note 28). Payments made under operating leases (net of any incentives received from the lessor) are charged to the consolidated statement of comprehensive income on a straight-line basis over the period of the lease. (h) Business combinations The acquisition method of accounting is used to account for all business combinations, including business combinations involving entities or businesses under common control, regardless of whether equity instruments or other assets are acquired. The consideration transferred for the acquisition of a subsidiary comprises the fair values of the assets transferred, the liabilities incurred and the equity interests issued by the Group. The consideration transferred also includes the fair value of any contingent consideration arrangement and the fair value of any pre-existing equity interest in the subsidiary. Acquisition-related costs are expensed as incurred. Identifiable assets acquired and liabilities and contingent liabilities assumed in a business combination are, with limited exceptions, measured initially at their fair values at the acquisition date. On an acquisition by acquisition basis, the Group recognises any non-controlling interest in the acquiree either at fair value or at the non- controlling interest's proportionate share of the acquiree's net identifiable assets. 76  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 1 Summary of significant accounting policies (continued) (h) Business combinations (continued) 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 Group's share of the net identifiable assets acquired is recorded as goodwill. If those amounts are less than the fair value of the net identifiable assets of the subsidiary acquired, the difference is recognised directly in the consolidated statement of comprehensive income as a bargain purchase. Where settlement of any part of cash consideration is deferred, the amounts payable in the future are discounted to their present value as at the date of exchange. The discount rate used is the Group’s incremental borrowing rate, being the rate at which a similar borrowing could be obtained from an independent financier under comparable terms and conditions. Contingent consideration is classified either as equity or a financial liability. Amounts classified as a financial liability are subsequently remeasured to fair value with changes in fair value recognised in the consolidated statement of comprehensive income. (i) Impairment of assets Assets are tested 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 of disposal and value-in-use. For the purposes of assessing impairment, assets are grouped at the lowest levels for which there are separately identifiable cash inflows which are largely independent of the cash inflows from other assets or groups of assets (cash-generating units). Non-financial assets other than goodwill that suffered an impairment are reviewed for possible reversal of the impairment at the end of each reporting period. (j) Cash and cash equivalents For the purpose of presentation in the consolidated statement of cash flows, cash and cash equivalents includes cash on hand, deposits held at call with financial institutions, other short-term, highly liquid investments with original maturities of three months or less that are readily convertible to known amounts of cash and which are subject to an insignificant risk of changes in value, and bank overdrafts. Bank overdrafts are shown within borrowings in current liabilities in the consolidated statement of financial position. Cash held in trust for clients is reported as other cash and cash equivalents and is included within trade payables. (k) Trade receivables Trade receivables are recognised initially at fair value and subsequently measured at amortised cost using the effective interest method, less provision for impairment. Trade receivables are generally due 30 days from the date of recognition. They are presented as current assets unless collection is not expected for more than 12 months after the reporting date. Collectibility of trade receivables is reviewed on an ongoing basis. Debts which are known to be uncollectible are written off by reducing the carrying amount directly. An allowance account (provision for impairment of trade receivables) is used when there is objective evidence that the Group will not be able to collect all amounts due according to the original terms of the receivables. Significant financial difficulties of the debtor, probability that the debtor will enter bankruptcy or financial re-organisation and default or delinquency in payments (more than 30 days overdue) are considered indicators that the trade receivable is impaired. The amount of the impairment allowance is the difference between the asset's carrying amount and the present value of estimated future cash flows, discounted at the original effective interest rate. Cash flows relating to short-term receivables are not discounted if the effect of discounting is immaterial. 77  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 1 Summary of significant accounting policies (continued) (k) Trade receivables (continued) The amount of the impairment loss is recognised in the consolidated statement of comprehensive income within other expenses. When a trade receivable for which an impairment allowance had been recognised becomes uncollectible in a subsequent period, it is written off against the allowance account. Subsequent recoveries of amounts previously written off are credited against other expenses in the consolidated statement of comprehensive income. (l) Investments and other financial assets Classification The Group classifies its investments in the following categories: financial assets at fair value through profit or loss and loans and receivables. The classification depends on the purpose for which the investments were acquired. The classification of investments is determined at initial recognition. (i) Financial assets at fair value through profit or loss Financial assets at fair value through profit or loss are financial assets held for trading. A financial asset is classified in this category if acquired principally for the purpose of selling in the short term. Derivatives are classified as held for trading unless they are designated as hedges. Assets in this category are classified as current assets if they are expected to be settled within 12 months, otherwise they are classified as non-current. (ii) Loans and receivables Loans and receivables are non-derivative financial assets with fixed or determinable payments that are not quoted in an active market. They are included in current assets, except for those with maturities greater than 12 months after the reporting period, which are classified as non-current assets. Loans and receivables are included in trade and other receivables (note 10) and other assets (note 13 and 16). (iii) Available-for-sale financial assets Financial assets that are not classified into any of the other categories are included in the available- for-sale category. Recognition and derecognition Regular purchases and sales of financial assets are recognised on trade-date, being the date on which the Group commits to purchase or sell the asset. At initial recognition financial assets are initially recognised at fair value plus transaction costs for all financial assets not carried at fair value through profit or loss. Financial assets carried at fair value through profit or loss are initially recognised at fair value and transaction costs are expensed in the consolidated statement of comprehensive income. Financial assets are derecognised when the rights to receive cash flows from the financial assets have expired or have been transferred and the Group has transferred substantially all the risks and rewards of ownership. Measurement Loans and receivables are subsequently carried at amortised cost using the effective interest method. Available for sale financial assets and financial assets at fair value through profit and loss are subsequently carried at fair value. Gains or losses arising from changes in fair value are recognised as follows: - - For financial assets at fair value through profit and loss – in fair value gains / (losses) on financial assets at fair value through profit and loss; For other monetary and non-monetary securities classified as available for sale - in other comprehensive income. 78  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 1 Summary of significant accounting policies (continued) (l) Investments and other financial assets (continued) Fair value The fair values of quoted investments are based on current bid prices. Units in managed funds are valued at the pre-distribution exit price at year end. If the market for a financial asset is not active (and for unlisted securities) the Group establishes fair value by using valuation techniques. These include reference to recent arm's length transactions or to other instruments that are substantially the same, discounted cash flow analysis and option pricing models making maximum use of market inputs and relying as little as possible on entity-specific inputs. Impairment The Group assesses at each balance date whether there is objective evidence that a financial asset or group of financial assets is impaired. A financial asset or a group of financial assets is impaired and impairment losses are incurred only if there is objective evidence of impairment as a result of one or more events that occurred after the initial recognition of the asset (a ‘loss event’) and that loss event (or events) has an impact on the estimated future cash flows of the financial asset or group of financial assets that can be reliably estimated. - Assets carried at amortised cost If there is objective evidence of impairment for any of the Group's financial assets carried at amortised cost, the loss is measured as the difference between the asset's carrying amount and the present value of estimated future cash flows (excluding future credit losses that have not been incurred) discounted at the financial asset's original effective interest rate. The carrying amount of the asset is reduced and the loss recognised in the consolidated statement of comprehensive income. If, in a subsequent period, the amount of the impairment loss decreases and the decrease can be related objectively to an event occurring after the impairment was recognised (such as an improvement in the debtor’s credit rating), the reversal of the previously recognised impairment loss is recognised in the consolidated statement of comprehensive income. - Assets classified as available-for-sale If there is objective evidence of impairment for available-for-sale financial assets, the cumulative loss - measured as the difference between the acquisition cost and the current fair value, less any impairment loss on that financial asset previously recognised in profit or loss- is removed from equity and recognized in profit or loss. Impairment losses on equity instruments that were recognized in profit or loss are not reversed through profit or loss in a subsequent period. If the fair value of a debt instrument classified as available-for-sale increases in a subsequent period and the increase can be objectively related to an event occurring after the impairment loss was recognized in profit or loss, the impairment loss is reversed through profit or loss. (m) Derivative financial instruments - futures and options Derivative instruments are initially recognised at fair value on the date a derivative contract is entered into and are subsequently remeasured to their fair value at each reporting date. Derivative instruments include equity futures, interest rate futures and equity options. The Group used derivative instruments to hedge against the risks associated with its instalment warrant product and the interest rate risk associated with individually managed account loans relating to Next Financial. Hedge accounting was not applied in respect of these instruments. 79  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 1 Summary of significant accounting policies (continued) (n) Property, plant and equipment All property, plant and equipment is stated at historical cost less depreciation. Historical cost includes expenditure that is directly attributable to the acquisition of the items. 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. All repairs and maintenance are charged to profit or loss during the reporting period in which they are incurred. Depreciation is calculated using the straight-line method to allocate their cost, net of their residual values, over their estimated useful lives or in the case of leasehold improvements, the shorter lease term as follows: - - - Plant and equipment Furniture and fittings Leasehold improvements 2 - 5 years 2 - 5 years 3 - 10 years The assets residual values and useful lives are reviewed, and adjusted if appropriate, at the end of each reporting period. An asset's carrying amount is written down immediately to its recoverable amount if the asset's carrying amount is greater than its estimated recoverable amount (note 1(i)). Gains and losses on disposals are determined by comparing proceeds with carrying amount. These are included in the consolidated statement of comprehensive income. (o) Intangible assets (i) IT development and software Costs incurred in developing products or systems and acquiring software and licences that will contribute to future period financial benefits through revenue generation and/or cost reduction are capitalised to software and systems. Costs capitalised include external direct costs of materials and services and direct payroll and payroll related costs of employees' time spent on the project. Amortisation is calculated on a straight-line basis over periods generally ranging from 3 to 5 years from the point at which the asset is ready to use. IT development costs include only those costs directly attributable to the development phase that can be reliably measured and are only recognised following completion of technical feasibility and where the Group has an intention and ability to use the asset. (p) Trade and other payables These amounts represent liabilities for goods and services provided to the Group prior to the end of financial year which are unpaid. The amounts are unsecured and are usually paid within 30 days of recognition. Trade and other payables are presented as current liabilities unless payment is not due within 12 months from the reporting date. They are recognised initially at their fair value and subsequently measured at amortised cost using the effective interest method. (q) Provisions Provisions are recognised when the Group has a present legal or constructive obligation as a result of past events, it is probable that an outflow of resources will be required to settle the obligation and the amount can be reliably estimated. Provisions are not recognised for future operating losses. Where there are a number of similar obligations, the likelihood that an outflow will be required in settlement is determined by considering the class of obligations as a whole. A provision is recognised even if the likelihood of an outflow with respect to any one item included in the same class of obligations may be small. 80  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 1 Summary of significant accounting policies (continued) (q) Provisions (continued) Provisions are measured at the present value of management's best estimate of the expenditure required to settle the present obligation at the end of each reporting period. The discount rate used to determine the present value is a pre-tax rate that reflects current market assessments of the time value of money and the risks specific to the liability. The increase in the provision due to the passage of time is recognised as interest expense. (r) Employee benefits (i) Short-term obligations Liabilities for wages and salaries, including non-monetary benefits, and annual leave expected to be settled within 12 months after the end of each reporting period in which the employees render the related service are recognised in respect of employees' services up to the end of the reporting period and are measured at the amounts expected to be paid when the liabilities are settled. The liability for annual leave is recognised in the provision for employee benefits. All other short term employee benefit obligations are presented as payables. (ii) Other long-term employee benefit obligations The liabilities for long service leave and annual leave which are not expected to be settled wholly within 12 months after the end of the reporting period in which the employees render the related service are recognised in the provision for employee benefits. They are measured as the present value of expected future payments to be made in respect of services provided by employees up to the end of the reporting period using the projected unit credit method. Consideration is given to expected future wage and salary levels, experience of employee departures and periods of service. Expected future payments are discounted using market yields at the end of the reporting period on high quality corporate bonds with terms to maturity and currency that match, as closely as possible, the estimated future cash outflows. Remeasurement as a result of experience adjustments and changes in assumption are recognised in the consolidated statement of comprehensive income. The obligations are presented as current liabilities in the consolidated statement of financial position if the Group does not have an unconditional right to defer settlement for at least 12 months after the reporting period, regardless of when the actual settlement is expected to occur. (iii) Retirement benefit obligations Contributions to defined contribution funds are recognised as an employee benefits expense as they become payable. Prepaid contributions are recognised as an asset to the extent that a cash refund or a reduction in the future payments is available. The Group has no further payment obligations once the contributions have been paid. (iv) Share-based payments Share-based compensation benefits are provided to certain employees via the Pinnacle Investment Management Group Employee Option Share Plan and where applicable, WHIG long term incentive share plan and Pinnacle long term employee incentive agreements. Information relating to these schemes is set out in note 35. The fair value of options and rights granted under the plans is recognised as an employee benefits expense with a corresponding increase in share based payments reserve. The total amount to be expensed is determined by reference to the fair value of the options and rights granted, which includes any market performance conditions and the impact of any non-vesting conditions but excludes the impact of any service and non-market performance vesting conditions. 81  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 1 Summary of significant accounting policies (continued) (r) Employee benefits (continued) Non-market performance vesting conditions are included in assumptions about the number of options that are expected to vest. The total expense is recognised over the vesting period, which is the period over which all of the specified vesting conditions are to be satisfied. At the end of each period, the entity revises its estimates of the number of options and rights that are expected to vest based on the non-market vesting conditions. It recognises the impact of the revision to original estimates, if any, in the consolidated statement of comprehensive income, with a corresponding adjustment to the share based payment reserve. The plan is administered by AET Structured Finance Services Pty Ltd, see note 1(b)(ii). When the options are exercised, the trust transfers the appropriate amount of shares to the employee. The proceeds received net of any directly attributable transaction costs are credited directly to equity. The fair value at grant date of the plans is determined using option pricing models that take into account the exercise price, the vesting period, the vesting and performance criteria, the impact of dilution, the share price at grant date, expected price volatility of the underlying share, the expected dividend yield, and the risk-free interest rate for the vesting period. (v) Profit-sharing and bonus plans The Group recognises a liability and an expense for bonuses and profit-sharing based on a formula that takes into consideration the profit attributable to the Company's shareholders after certain adjustments. The Group recognises a provision where contractually obliged or where there is a past practice that has created a constructive obligation. (vi) Termination benefits Termination benefits may be payable when employment is terminated otherwise than in accordance with the employment contract, or when an employee accepts voluntary redundancy in exchange for these benefits. The group recognises termination benefits at the earlier of the following dates: (a) when the group can no longer withdraw the offer of those benefits; and (b) when the entity recognises costs for a restructuring that is within the scope of AASB 137 and involves the payment of terminations benefits. In the case of an offer made to encourage voluntary redundancy, the termination benefits are measured based on the number of employees expected to accept the offer. Benefits falling due more than 12 months after the end of the reporting period are discounted to present value. (vii) Long-term employee incentive agreements The Group has a long term employee incentive scheme which enables certain employees of Pinnacle, under full recourse and limited recourse loan arrangements, to acquire shares in Pinnacle. The scheme is designed to align the interests of the employees with those of Pinnacle shareholders. The fair value of the limited recourse loan arrangements under the long term employee incentive scheme is recognised as an employee benefits expense with a corresponding increase in share- based payment reserve. The total amount to be expensed is determined by reference to the fair value of the limited recourse loan arrangements, which includes any market performance conditions and the impact of any non-vesting conditions but excludes the impact of any service and non- market performance vesting conditions. The total expense is recognised over the vesting period, which is the period over all of the specified vesting conditions are to be satisfied. Pinnacle accounts for the inflows and outflows associated with these arrangements on a net basis, as the arrangements are expected to be settled net. 82  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 1 Summary of significant accounting policies (continued) (r) Employee benefits (continued) Certain entities under joint control have similar incentive schemes and Pinnacle may provide cash funding to certain employees of these entities in order for the employees to acquire shares in the entities. Pinnacle accounts for these contributions as investments in entities under joint control. Remuneration of the employees is recorded in the entities under joint control and Pinnacle records its share of the profits or losses of these entities upon equity accounting. A liability is recorded to the extent that Pinnacle has a net obligation to the employee of a jointly-controlled entity under the employee contract. (s) Contributed equity Ordinary shares are classified as equity (note 22). Incremental costs directly attributable to the issue of new shares or options are shown in equity as a deduction, net of tax, from the proceeds. (t) Dividends Provision is made for the amount of any dividend declared being appropriately authorised and no longer at the discretion of the Group, on or before the end of the reporting period but not distributed at the end of the reporting period. (u) Earnings per share (i) Basic earnings per share Basic earnings after tax per share is calculated by dividing: • the profit attributable to owners of the Company, excluding any costs of servicing equity other than ordinary shares by; • the weighted average number of ordinary shares outstanding during the financial year, adjusted for bonus elements in ordinary shares issued during the year and excluding treasury shares. (ii) Diluted earnings per share Diluted earnings per share adjusts the figures used in the determination of basic earnings per share to take into account: • the after income tax effect of interest and other financing costs associated with dilutive potential ordinary shares; and • the weighted average number of additional ordinary shares that would have been outstanding assuming the conversion of all dilutive potential ordinary shares. (v) Goods and Services Tax (GST) Revenues, expenses and assets are recognised net of the amount of associated GST, unless the GST incurred is not recoverable from the taxation authority. In this case it is recognised as part of the cost of acquisition of the asset or as part of the expense. Receivables and payables are stated inclusive of the amount of GST receivable or payable. The net amount of GST recoverable from, or payable to, the taxation authority is included with other receivables or payables in the consolidated statement of financial position. Cash flows are presented on a gross basis. The GST components of cash flows arising from investing or financing activities which are recoverable from, or payable to, the taxation authority, are presented as operating cash flows. 83  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 1 Summary of significant accounting policies (continued) (w) Disposal group held for sale and discontinued operations The assets and liabilities of the disposal group are classified as held-for-sale and stated at the lower of carrying amount and fair value less costs of disposal if their carrying amount is to be recovered principally through a sale transaction rather than continuing use. Assets of the disposal group classified as held-for-sale are presented separately from other assets in the consolidated statement of financial position. The liabilities of the disposal group classified as held-for-sale are presented separately from other liabilities in the consolidated statement of financial position. A discontinued operation is a component of the Group's business that has been disposed of or is classified as held for sale and that represents a separate major line of business or geographical area of operations, is part of a single coordinated plan to dispose of such line of business or area of operations, or is a subsidiary acquired exclusively with a view to resale. The results of discontinued operations are presented separately in the consolidated statement of comprehensive income. (x) Rounding of amounts The Company is of a kind referred to in ASIC Corporations (Rounding in Financial / Director’s Reports) Instrument 2016/191, issued by the Australian Securities and Investments Commission, relating to the 'rounding off' of amounts in the financial statements. Amounts in the financial statements have been rounded off in accordance with that instrument to the nearest thousand dollars, or in certain cases, the nearest dollar. (y) New accounting standards and interpretations not yet adopted Certain new accounting standards and interpretations have been published which are not mandatory for 30 June 2016 reporting periods and have not been early adopted by the Group. The Group's assessment of the impact of these new standards and interpretations is set out below. (i) AASB 9 Financial Instruments (effective from 1 January 2018) AASB 9 addresses the classification, measurement and derecognition of financial assets and financial liabilities and introduces new rules for hedge accounting. In December 2014, the AASB made further changes to the classification and measurement rules and also introduced a new impairment model. These latest amendments now complete the new financial instruments standard. The standard is not applicable until 1 January 2018 but is available for early adoption. There will be no impact on the Group's accounting for financial liabilities, as the new requirements only affect the accounting for financial liabilities that are designated at fair value through profit or loss and the Group does not have any such liabilities. The new hedging rules will also have no impact as the Group does not undertake hedge accounting. The new impairment model is an expected credit loss (ECL) model which may result in the earlier recognition of credit losses. The Group has not yet assessed how its impairment provisions would be affected by the new rules. (ii) AASB 15 Revenue from Contracts with Customers (effective from 1 January 2018) The AASB has issued a new standard for the recognition of revenue. This will replace AASB 118 which covers contracts for goods and services and AASB 111 which covers construction contracts. The new standard is based on the principal that revenue is recognised when control of a good or services transfers to a customer - so the notion of control replaces the existing notion of risks and rewards. The standard permits a modified retrospective approach for the adoption. Under this approach entities will recognise transitional adjustments in retained earnings on the date of initial application (eg 1 January 2018), i.e. without re-stating the comparative period. They will only need to apply the new rules to contracts that are not completed as of the date of initial application. 84  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 1 Summary of significant accounting policies (continued) (y) New accounting standards and interpretations not yet adopted (continued) The Group is currently assessing the impact of the new rules and has identified that recognition of performance fee income could be affected. At this stage, the Group is not able estimate the impact of the new rules on the Group's financial statements. The Group will make more detailed assessments of the impact over the next twelve months. There are no other standards that are not yet effective that are expected to have a material impact on the entity in the current or future reporting periods and on foreseeable future transactions. (z) Parent Entity financial information The financial information for the Parent Entity, Pinnacle Investment Management Group Limited, disclosed in note 36 has been prepared on the same basis as the consolidated financial statements, except as set out below. (i) Investments in subsidiaries Investments in subsidiaries are accounted for at cost in the financial statements of Pinnacle Investment Management Group Limited. (ii) Tax consolidation legislation Pinnacle Investment Management Group Limited and its wholly-owned Australian controlled entities have implemented the tax consolidation legislation. The head entity, Pinnacle Investment Management Group Limited, and the controlled entities in the tax consolidated group account for their own current and deferred tax amounts. These tax amounts are measured as if each entity in the tax consolidated group continues to be a standalone taxpayer in its own right. In addition to its own current and deferred tax amounts, Pinnacle Investment Management Group Limited also recognises the current tax liabilities (or assets) and the deferred tax assets arising from unused tax losses and unused tax credits assumed from controlled entities in the tax consolidated group. The entities have also entered into a tax funding agreement under which the wholly-owned entities fully compensate Pinnacle Investment Management Group Limited for any current tax payable assumed and are compensated by Pinnacle Investment Management Group Limited for any current tax receivable and deferred tax assets relating to unused tax losses or unused tax credits that are transferred to Pinnacle Investment Management Group Limited under the tax consolidation legislation. The funding amounts are determined by reference to the amounts recognised in the wholly-owned entities' financial statements. The amounts receivable/payable under the tax funding agreement are due upon receipt of the funding advice from the head entity. The head entity may also require payment of interim funding amounts to assist with its obligations to pay tax instalments. Assets or liabilities arising under tax funding agreements with the tax consolidated entities are recognised as amounts receivable from or payable to other entities in the Group. Any difference between the amounts assumed and amounts receivable or payable under the tax funding agreement are recognised as a contribution to (or distribution from) wholly owned tax consolidated entities. (iii) Share based payments The grant by the Parent Entity of options over its equity instruments to the employees of subsidiaries in the Group is treated as a capital contribution to that subsidiary. The fair value of employee services received, measured by reference to the grant date fair value, is recognised over the vesting period as an increase to investments in subsidiaries, with a corresponding credit to share based payment reserve. 85  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 2 Financial risk management The Group's activities expose it to a variety of financial risks: market risk (including interest rate risk and price risk), credit risk and liquidity risk. A core focus of the Group's overall risk management program focuses on the volatility of the financial markets and seeks to minimise potential adverse effects on the financial performance of the Group. Risk governance is managed through the Board’s Audit, Compliance and Risk Management Committee, which provides direct oversight of the Group's risk management framework and performance. The Board approves written principles for risk management covering areas such as principal investments, including the use of appropriate hedging strategies, and cash flow management. The management of risk throughout the Group is achieved through the procedures, policies, people competencies and risk monitoring functions that form part of the overall Group risk management framework. This is achieved through regular updates in the form of targeted risk management analysis and reporting functions that provide an assessment of the Group's risk exposure levels and performance to benchmarks / tolerance limits. The Group holds the following financial instruments (excluding financial assets of the disposal group classified as held for sale): Financial assets Cash and cash equivalents Trade and other receivables Financial assets at fair value through profit or loss Derivative financial assets Available for sale financial assets Loans to entities under joint control (current) Loans to shareholders and entities under joint control (non-current) Financial liabilities Trade and other payables Other current liabilities 2016 $'000 2015 $'000 13,544 5,407 10,918 - 943 1,766 - 13,570 2,259 6,195 89 - 3,637 753 32,578 26,503 6,206 1,572 7,778 5,093 - 5,093 (a) Market risk (i) Foreign exchange risk The Group is not materially exposed to foreign exchange risk. (ii) Price risk Through its business transactions and investments, the Group is exposed to equity securities price risk. This risk is the potential for losses in Group earnings as a result of adverse market movements and arises from investments held by the Group that are classified on the consolidated statement of financial position as financial assets at fair value through profit or loss. The Group manages the price impact of market risk on a daily basis through an established risk management framework. This includes the procedures, policies and functions undertaken by the business to manage market risk within tolerances set by the Board. Equity derivatives are used as an active risk mitigation function and the Group currently utilises such derivatives to reduce market risk of its equity exposures. The performance of the Group’s direct equity exposures and market risk mitigants are monitored on a regular basis. The majority of the Group's equity investments are Australian listed equity securities and unlisted unit trusts. 86  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 2 Financial risk management (continued) Sensitivity The table below summarises the impact of increases/decreases in equity securities prices on the Group’s after tax profit for the year and on equity. The analysis is based on the assumption that equity securities prices had increased/decreased by 15% (2015 - 15%) with all other variables held constant and all the Group’s equity investments included in financial assets at fair value through profit and loss moved in correlation with the index. Impact on after-tax profit 2015 $'000 2016 $'000 Impact on equity 2015 $'000 2016 $'000 Group 1,637 650 1,637 650 (iii) Interest rate risk The Group's main interest rate risk arises from holding cash and cash equivalents. During 2016 and 2015, the Group’s cash and cash equivalents were denominated in Australian dollars. The Group reviews its interest rate exposure as part of the Group’s cash flow management and takes into consideration the yields, duration and alternative financing options as part of the renewal of existing positions. As at the reporting date, the Group had the following cash and cash equivalents: 30 June 2016 30 June 2015 Weighted average interest rate % Weighted average interest rate % Balance $'000 Balance $'000 Cash and cash equivalents Net exposure to cash flow interest rate risk 1.96% 13,544 2.32% 13,570 13,544 13,570 The Group's loans to entities under joint control are subject to fixed interest rates and carried at amortised cost. They are therefore not subject to interest rate risk as defined in AASB 7. Sensitivity At 30 June 2016, if interest rates had changed by -/+100 basis points from the year end rates with all other variables held constant, after tax profit and equity for the year would have been $95,000 lower/higher (2015 - change of 100 basis points: $95,000 lower/higher). (b) Credit risk Credit risk arises from cash and cash equivalents, financial assets at fair value through profit or loss, loans to entities under joint control, loans to shareholders and outstanding receivables. Credit risk is managed on a Group basis. Credit risk relates to the risk of a client or counterparty defaulting on their financial obligations resulting in a loss to the Group. These obligations primarily relate to distribution and management fees. The Group does not carry material trade receivable exposure to either a single counterparty or a group of counterparties. For banks and financial institutions, only independently rated parties with a minimum rating of BBB+ / A-1 are accepted as counterparties. 87  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 2 Financial risk management (continued) (b) Credit risk (continued) The Group held the following credit risks: Cash and cash equivalents Trade and other receivables Financial assets at fair value through profit or loss Derivative financial assets Available-for-sale financial assets Loans to entities under joint control (current) Loans to shareholders and entities under joint control (non-current) 2016 $'000 13,544 5,407 10,918 - 943 1,766 - 2015 $'000 13,570 2,259 6,195 89 - 3,637 753 32,578 26,503 The Group records trade receivables and loans in the following classifications: Neither past due nor impaired trade receivables and loans are those that are within their relevant contractual payment terms and there is no evidence to suggest that the client or counterparty will fail to meet their obligations. Past due but not impaired trade receivables and loans are those that have fallen outside of their contractual settlement terms. However there remains an expectation of full recovery based on the value of the underlying equities and the financial position of the client or counterparty. Past due and impaired trade receivables and loans are those that have fallen outside of the prescribed settlement terms and/or there is evidence to suggest that the client or counterparty will fail to meet their obligations. Refer to note 1(k) for more information on the trade receivables policy of the Group. Trade and other receivables Neither past due nor impaired Past due but not impaired Past due and impaired Loans Neither past due nor impaired Total trade and loan receivables 2016 $'000 2015 $'000 5,394 13 - 5,407 1,766 7,173 1,463 796 - 2,259 4,390 6,649 88  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 2 Financial risk management (continued) Impaired trade and loan receivables As at 30 June 2016 receivables of the Group with a nominal value of $nil (2015 - $nil) were impaired. Past Due but not impaired As of 30 June 2016, trade receivables of $13,000 (2015 - $796,000) were past due but not impaired. These relate to customers for whom there is no recent history of default. The ageing of these receivables is as follows: 1 to 3 months 3 to 6 months Over 6 months Credit quality 2016 $'000 2015 $'000 13 - - 13 528 160 108 796 The credit quality of financial assets can be assessed by reference to external credit ratings. These credit ratings are only available for cash assets, Australian listed securities and non-exchange traded derivative financial assets: Cash at bank and short-term bank deposits AA- A+ Derivative financial assets Exchange traded options and unrated assets Australian listed securities AA- BBB 2016 $'000 2015 $'000 13,544 - 13,544 13,557 13 13,570 - - 135 150 285 89 89 - - - 89  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 2 Financial risk management (continued) (c) Liquidity risk The Group manages liquidity risk by continuously monitoring actual and forecast cash flows. Due to the dynamic nature of the underlying businesses, the Group aims at maintaining flexibility in funding through available cash and readily liquefiable investments in the Group’s Principal Investments portfolio. At 30 June 2016 the Group has $24.5 million in available cash and Principal Investments. Subsidiaries of the Company, Next Financial Limited, Pinnacle Funds Services Limited, Pinnacle Investment Management Limited and Pinnacle RE Services Limited hold Australian Financial Services Licences (AFSL) and hold amounts in liquid assets in accordance with relevant ASIC regulations on the basis of expected cash flows. This is generally carried out at a local level in the operating companies of the Group in accordance with practice and limits set by the Group. In addition, the Group’s liquidity management policy involves projecting cash flows and considering the level of liquid assets necessary to meet these, monitoring liquidity ratios against internal and external regulatory requirements and maintaining debt financing plans. Financing arrangements The Group had access to the following undrawn borrowing facilities (excluding bank funding for loans to clients) at the end of the reporting period: Overdraft and intra-day settlement facilities Expiring within one year Further information on financing arrangements is detailed in note 22. Maturities of financial liabilities 2016 $'000 2015 $'000 - - 10,000 10,000 The table below analyses the Group's financial liabilities. The financial liabilities are broken down into maturity groupings based on the remaining period at the reporting date to the contractual maturity date. The amounts disclosed in the table are the contractual undiscounted cash flows. 1 - 30 days 30 days to 1 year $'000 $'000 Between 1 and 5 years $'000 Over 5 years $'000 Total contractual cash flows $'000 Contractual maturities of financial liabilities At 30 June 2016 Trade and other payables Other current liabilities Total financial liabilities At 30 June 2015 3,399 - 3,399 2,807 1,572 4,379 - - - - - - - - - - Trade and other payables Total financial liabilities 3,624 3,624 1,469 1,469 Carrying amount $'000 6,206 1,572 7,778 6,206 1,572 7,778 5,093 5,093 5,093 5,093 90  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 2 Financial risk management (continued) (d) Fair value measurements (continued) The fair value of financial assets and financial liabilities must be estimated for recognition and measurement or for disclosure purposes. AASB 13 Fair Value Measurement requires disclosure of fair value measurements by level of the following fair value measurement hierarchy: (a) quoted prices (unadjusted) in active markets for identical assets or liabilities (level 1); (b) (c) inputs other than quoted prices included within level 1 that are observable for the asset or liability, either directly (as prices) or indirectly (derived from prices) (level 2); and inputs for the asset or liability that are not based on observable market data (unobservable inputs) (level 3). The following table presents the Group's assets measured and recognised at fair value: 30 June 2016 Level 1 $'000 Level 2 $'000 Level 3 $'000 Assets Australian listed securities Other unlisted equity securities Unlisted unit trusts Contingent consideration from disposal of discontinued operation Total assets 285 - 10,402 - 10,687 No liabilities were held at fair value at 30 June 2016. - - - - - - 231 - 943 1,174 Total $'000 285 231 10,402 943 11,861 30 June 2015 Assets Exchange traded options Other unlisted equity securities Unlisted unit trusts Total assets Level 1 $'000 Level 2 $'000 Level 3 $'000 Total $'000 89 - 5,837 5,926 - - - - - 358 - 358 89 358 5,837 6,284 No liabilities were held at fair value at 30 June 2015. There were no transfers between levels for recurring fair value measurements during the current year. The Group's policy is to recognise transfers into and transfers out of fair value hierarchy levels as at the end of the reporting period. The fair value of Australian listed securities and exchange traded options is based on quoted market prices at the end of the reporting period. The quoted price used for Australian listed securities and exchange traded options held by the Group is the current bid price. The quoted market price used for unlisted unit trusts is the current exit unit price. These instruments are included in level 1. The fair value of unlisted equity securities and contingent consideration from disposal of discontinued operation is determined using valuation techniques. The Group uses a variety of methods and makes assumptions that are based on market conditions existing at the end of each reporting period. In the circumstances where a valuation technique for these instruments is based on significant unobservable inputs, such instruments are included in level 3. 91  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 2 Financial risk management (continued) The carrying amounts of cash and cash equivalents, trade receivables and payables, loans to entities under joint control and loans to shareholders are assumed to approximate their fair values due to their short-term nature. The fair value of financial liabilities for disclosure purposes is estimated by discounting the future contractual cash flows at the current market interest rate that is available to the Group for similar financial instruments. Fair value measurements using significant unobservable inputs (level 3) Level 3 items include unlisted equity securities held by the Group, and contingent consideration from disposal of discontinued operations. The following table presents the changes in level 3 instruments for the years ended 30 June 2016 and 30 June 2015: Opening balance 1 July 2014 Unrealised losses recognised in fair value gains/(losses) on financial assets at fair value through profit or loss Closing balance 30 June 2015 Unrealised losses recognised in fair value gains/(losses) on financial assets at fair value through profit or loss Fair value adjustments recognised in other comprehensive income Closing balance 30 June 2016 (i) Transfer between levels 1 and 3 There were no transfers between levels 1 and 3 during the year. Contingent consideration $’000 Unlisted equity securities $'000 - - - - 943 943 459 (101) 358 (127) - 231 (ii) Valuation process Unlisted equities valued under Level 3 are investments in unlisted companies. Where possible, the investments are valued based on the most recent transaction involving the securities of the company. Where there is no recent information or the information is otherwise unavailable, the value is derived from calculations based on the value per security of the underlying net tangible assets of the investee company. Contingent consideration valued under Level 3 relates to the disposal of discontinued operations (refer note 8(c)). The fair value of contingent consideration from disposal of the Securities business is determined based on forecasts of profits, taxable income and deferred tax asset utilisation using the latest financial information available for the business at balance date. 3 Critical accounting estimates and judgements Estimates and judgements are continually evaluated and are based on historical experience and other factors, including expectations of future events that may have a financial impact on the Group and that are believed to be reasonable under the circumstances. (a) Critical accounting estimates and assumptions The Group makes estimates and assumptions concerning the future in the preparation of the financial statements. The resulting accounting estimates will, by definition, seldom equal the related actual results. The estimates and assumptions that have a significant risk of causing a material adjustment to the carrying amounts of assets and liabilities within the next financial year are discussed below. 92  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 3 Critical accounting estimates and judgements (continued) (a) Critical accounting estimates and assumptions (continued) (i) Estimated impairment of assets The Group tests at least annually whether assets have suffered any impairment, in accordance with the accounting policy stated in note 1. Where required, the recoverable amounts of assets have been determined based on value-in-use calculations. These calculations require the use of assumptions. (ii) Income taxes The Group is subject to income taxes in Australia. Significant judgement is required in determining the provision for income taxes. There are many transactions and calculations undertaken during the ordinary course of business for which the ultimate tax determination is uncertain. The Group estimates its tax liabilities based on the Group's understanding of the tax law. Where the final tax outcome of these matters is different from the amounts that were initially recorded, such differences will impact the current and deferred income tax assets and liabilities in the period in which such determination is made. In addition, the Group can recognise deferred tax assets relating to carried forward tax losses and deductible timing differences to the extent that it is considered probable that there will be future taxable profits relating to the same taxation authority against which the carried forward tax losses and deductible timing differences will be utilised. The Group has forecast future taxable profits by applying assumptions to budgeted results to extrapolate forecast taxable profits for future financial years. (b) Critical judgements in applying the Group's accounting policies (i) Fair value of financial assets The fair value of financial assets that are not traded in an active market is determined by using valuation techniques. The Group uses its judgement to select a variety of methods and make assumptions that are mainly based on market conditions existing at each reporting date. Refer to note 2(d) for further details. (ii) Entities subject to joint control Entities subject to joint control are not considered controlled entities for the purposes of AASB 10 on the basis that all key strategic and operational decisions require a unanimous vote by the Board of directors. (iii) Assets classified as held for sale Assets classified as held for sale during the period were measured at the lower of their carrying value or fair value less costs to sell, at the time of reclassification, as required by AASB 5. The determination of fair values is based on evidence available to management at the time of reclassification and requires the use of estimates and judgements regarding the ultimate sale consideration for the disposal group, including the fair value of contingent consideration. Subsequent re-assessment of the fair value of the disposal group is brought to account as profit or loss of the discontinued operation, as appropriate, at the time of re-assessment (iv) Provision for legal claims The Group makes judgements concerning the potential impact of legal claims. These calculations require the use of assumptions concerning the likely success of each claim and the potential amount of compensation payable. 93  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 3 Critical accounting estimates and judgements (continued) (b) Critical judgements in applying the Group's accounting policies (continued) (v) Share-based payments The Group measures equity settled share-based payment transactions by reference to the fair value of the equity instruments at the date at which they are granted. The fair value is determined by management using option pricing models that use estimates and assumptions. Management exercises judgement in preparing the valuations and these may affect the value of any share-based payments recorded in the financial statements. (vi) Contingencies The Group has made certain judgements and estimates relating to the contingent liabilities outlined in note 27. These assumptions are based on all existing information available at the signing date of the Financial Report. 4 Segment information (a) Description of segments The Group has two reporting segments, Wilson Group and Pinnacle, based on internal management reports used to make strategic decisions that are reviewed by the Board of directors. The business segmentation is considered from a product and services perspective and the two reportable segments identified consist of: Pinnacle • developing and operating funds management businesses; and • providing distribution services, business support and responsible entity services to the Pinnacle Boutiques and external parties. Wilson Group • specialty funds management through Priority Funds; • selected investments as Principal; and • servicing structured products for clients. The Wilson Group segment previously included the results of the Securities business, which is now classified as a discontinued operation - refer to note 8 for further details. 94  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 4 Segment information (continued) (b) Operating segments 2016 Segment Revenue Revenue from continuing operations Interest income on structured products Other interest revenue Total segment revenue Unallocated revenue Consolidated revenue Segment result excluding non-controlling interests Segment result attributable to non-controlling interests Segment result Net unallocated expenses Profit before income tax from continuing operations Income tax expense Profit from continuing operations Loss from discontinued operations Profit for the year Other information regarding operating segments Share of profits of entities accounted for using the equity method Depreciation and amortisation expense Interest and finance charges - corporate Unallocated - interest and finance charges - corporate Total finance cost expense Wilson Group $'000 2,398 15 122 2,535 Pinnacle Consolidated $'000 $'000 5,747 - 67 5,814 628 - 628 7,968 2,655 10,623 8,144 15 189 8,349 35 8,384 8,596 2,655 11,251 (2,677) 8,573 (133) 8,440 (1,248) 7,192 - 12 - 15,920 15,920 26 117 38 117 (20) 97 Fair value (losses)/gains on financial assets at fair value through profit or loss 454 (110) 344 95  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 4 Segment information (continued) (b) Operating segments (continued) 2015 Segment Revenue Revenue from continuing operations Interest income on structured products Other interest revenue Total segment revenue Unallocated revenue Consolidated revenue Segment result excluding non-controlling interests Segment result attributable to non-controlling interests Segment result Net unallocated expenses Profit before income tax from continuing operations Income tax expense Loss from continuing operations Loss from discontinued operations Loss for the year Other information regarding operating segments Share of profits of entities accounted for using the equity method Depreciation and amortisation expense Interest and finance charges - corporate Unallocated - interest and finance charges - corporate Total interest and finance charges - corporate Amortisation using effective interest rate Interest and finance charges - client Total finance cost expense Wilson Group $'000 1,446 305 4 1,755 (1,049) - (1,049) Pinnacle Consolidated $'000 $'000 5,649 - - 5,649 5,825 1,602 7,427 7,095 305 4 7,404 243 7,647 4,776 1,602 6,378 (2,134) 4,244 (8,138) (3,894) (3,464) (7,358) - 30 (68) 115 124 11,932 11,932 59 538 - - 89 470 (325) 145 115 124 384 Fair value (losses)/gains on financial assets at fair value through profit or loss (682) 417 (265) Segment revenue Sales between segments are carried out at arm’s length and are eliminated on consolidation. The revenue from external parties reported to the Board of directors is measured in a manner consistent with that in the consolidated statement of comprehensive income. The Group is domiciled in Australia and revenue is predominantly sourced from customers within Australia. Net profit before income tax The Board of directors assess the performance of the operating segments based on a measure of net profit before income tax. This measurement basis excludes some corporate overheads and Group costs which are not allocated to segments. 96  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 5 Revenue from continuing operations Services revenue Brokerage Fund management fees Performance fee income Service charges to entities under joint control Interest income on structured products (Next Financial) Amortisation of loan establishment fees (Next Financial) Other revenue Directors fees Interest received or due Dividends and distributions Gain on deconsolidation of subsidiary Other revenue 6 Expenses 2016 $'000 - 914 1,105 5,704 15 - 7,738 44 189 195 - 218 646 8,384 2015 $'000 7 1,297 26 4,423 305 25 6,083 44 392 788 56 284 1,564 7,647 Profit before income tax includes the following specific expenses: 2016 $'000 2015 $'000 Finance cost expense (i) Interest and finance charges - corporate Interest and finance charges - client Amortisation using effective interest rate Total finance cost expense Rental expense relating to operating leases Minimum lease payments Total rental expense relating to operating leases Impairment Impairment expense - loans to related parties and investments accounted for using the equity method Reversal of impairment expense - loans to related parties and investments accounted for using the equity method Total impairment (reversal) / expense 97 - - 97 549 549 145 124 115 384 685 685 941 1,024 (1,148) (207) (714) 310 (i) Interest and finance charges are shown divided into two components, those attributable to the corporate treasury functions and those related to the client operations of Next Financial Limited (refer to note 21). 97    Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 7 Income tax (a) Income tax expense/(benefit) Income tax expenses is attributable to: Continuing operations Discontinued operations Total income tax expense/(benefit) Current tax Deferred tax Adjustments for tax in respect of prior periods Deferred income tax expense/(benefit) included in income tax expense/(benefit) comprises: Decrease in deferred tax assets Decrease in deferred tax liabilities 2016 $'000 2015 $'000 133 76 209 (2,414) 2,410 213 209 2,228 182 2,410 8,138 663 8,801 (1,352) 10,142 11 8,801 10,358 (216) 10,142 2015 $'000 4,244 (2,801) 1,443 433 (3,580) 93 498 61 749 (1,746) 11 10,536 10,547 8,801 (b) Numerical reconciliation of income tax expense to prima facie tax payable Profit from continuing operations before income tax Loss from discontinued operations before income tax Profit before income tax Tax at the Australian tax rate of 30% (2015 - 30%) Tax effect of amounts which are not deductible (taxable) in calculating taxable income: Share of profits of entities under joint control Impairment Non-deductible expenditure Sundry items Loss on held for sale classification Adjustments for tax in respect of prior periods Deferred tax assets not recognised* Total income tax expense/(benefit)** 2016 $'000 8,573 (1,172) 7,401 2,220 (4,776) 282 187 (171) - (2,258) 213 2,254 2,467 209 * Relates to deferred tax assets in relation to Pinnacle and Wilson Group income tax consolidated groups which have not been recognised on the basis that it is not considered probable that the tax losses giving rise to the deferred tax assets will be recovered. ** Includes $76,000 (2015- $663,000) of income tax expense recognised in loss from discontinued operations (refer to note 8). 98    Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 7 Income tax (continued) (c) Tax losses not recognised Unused tax losses of Pinnacle for which no deferred tax asset has been recognised Unused tax losses of Wilson Group for which no deferred tax asset has been recognised Total Potential tax benefit at 30% 2016 $'000 2015 $'000 22,724 17,756 31,828 54,552 16,366 27,032 44,788 13,436 (d) Tax consolidation legislation Pinnacle Investment Management Group Limited and its wholly-owned Australian controlled entities implemented the tax consolidation legislation from 1 July 2003. Next Financial Limited and its subsidiaries joined the tax consolidated group on 1 April 2009. The accounting policy in relation to this legislation is set out in note 1(f) and further information is provided at Note 1(z). 8 Discontinued Operations (a) Description On 15 May 2015 the Company entered into transaction documents with Craigs Investment Partners, Deutsche Australia and staff representatives of the Securities business for the purchase of 100% of the issued shares of entities comprising the Securities business. On 26 June 2015 shareholders approved the sale, with completion of the transaction occurring on 1 July 2015. Under the terms of the sale agreement the Company:   transferred its shareholdings in the subsidiaries comprising its Securities business to the purchasers; received cash consideration of $4,000,000, and provided vendor finance with a fair value of $868,000;  may receive a future profit share for the first two years post completion of 50% of the profit before tax of the Securities business exceeding $3,000,000, but capped at $1,000,000 each year;  may receive additional value for deferred tax assets if the amount utilised by the Securities business exceeds $350,000 during the first three years post completion;   has contingent liabilities relating to its historical ownership of the business which will run off over time; committed to pay certain staff related costs, run-off insurances and other items. Following completion of the transaction, the Company and the purchasers further agreed to provide various services to each other to ensure a smooth transition of the ownership of business. Further detail of the transaction was provided in the notice of meeting provided for the extraordinary general meeting dated 20 May 2015. 99    Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 8 Discontinued Operations (continued) (b) Financial performance and cash flows The profit/(loss) for the current and prior corresponding period related to the discontinued operations were as follows: Revenue Expenses Results from operating activities Loss on disposal of discontinued operation (see (c) below) Re-measurement of Disposal Group to fair value less costs of disposal Transaction related costs Loss before tax from discontinued operations Income tax expense Loss from discontinued operation attributable to owners of Pinnacle Investment Management Group Limited Changes in fair value of contingent consideration Total comprehensive loss attributable to discontinued operation 2016 $'000 - (1,134) (1,134) (38) - - (1,172) (76) (1,248) 943 (305) The cash-flows for the current and prior corresponding period related to the discontinued operations were as follows: Net cash (outflow) from operating activities Net cash inflow from investing activities Net cash inflow from financing activities Net cash flow for the year (c) Details of the disposal 2016 $'000 (161) 4,000 - 3,839 The carrying amounts of assets and liabilities as at the date of disposal (1 July 2015) were: Current Assets Cash Trade and other receivables Other current assets Non-Current Assets Deferred tax Assets Total Assets Current Liabilities Trade and other payables Provisions Other current liabilities Non-Current Liabilities Provisions Other non-current liabilities Total Liabilities Net assets 2015 $'000 51,982 (50,405) 1,577 - (2,497) (1,881) (2,801) (663) (3,464) - (3,464) 2015 $'000 (1,076) - 6,360 5,284 $'000 10,246 2,987 1,634 14,867 2,715 17,582 (5,299) (3,563) (104) (8,966) (605) (1,868) 11,439 6,143 100    Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 8 Discontinued Operations (continued) (c) Details of the disposal Consideration received / receivable in cash and cash equivalents Contingent consideration Other consideration Disposal consideration Carrying value of net assets disposed of Gain on disposal before changes in fair value of contingent consideration Changes in fair value of contingent consideration recognised in other comprehensive income Loss on disposal $’000 5,237 943 868 7,048 (6,143) 905 (943) (38) The agreement for the disposal included items of contingent consideration relating to a profit-share over the first two years post disposal, and utilisation of deferred tax assets in the first 3 years following disposal. At 30 June 2016 the fair value of these items has been assessed at $943,000. This carrying value has been included in available-for-sale financial assets in the statement of financial position. (d) Assets and liabilities of disposal group classified as held-for-sale Assets Cash and cash equivalents Trade and other receivables Deferred tax assets Other non-current assets Assets of disposal group held-for-sale Liabilities Trade and other payables Provisions Other non-current liabilities Liabilities of disposal group held-for-sale 9 Current assets - Cash and cash equivalents Available cash at bank and on hand Fixed-term deposits Other committed cash at bank and on hand (a) Risk exposure 2015 $'000 10,561 3,659 2,716 158 17,094 6,093 4,160 1,972 12,225 2015 $'000 13,339 217 14 13,570 2016 $'000 13,238 305 1 13,544 The Group's exposure to interest rate risk is discussed in note 2. The maximum exposure to credit risk at the end of each reporting period is the carrying amount of each class of cash and cash equivalents mentioned above. (b) Fixed term and at-call deposits Fixed-term and at-call deposits bear floating interest rates between 1.70% and 3.25% (2015: 2.0% and 3.15%). At-call deposits have an average maturity of 30 days. Fixed-term deposits have a maturity ranging from 90 days to 1 year. 101  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 10 Current assets - Trade and other receivables 2016 $'000 2015 $'000 Trade receivables Related party receivable Income receivable Other receivables Prepayments 3,235 - 476 1,696 263 (a) Effective interest rates and credit risk All of the Group's receivables are classified as current and are non-interest bearing. 5,670 1,416 29 814 - 901 3,160 There is no significant concentration of credit risk with relation to current receivables. Refer to note 2 for more information on the financial risk management policy of the Group. (b) Fair value and credit risk Information about the Group's exposure to credit risk and about the methods and assumptions used in determining fair value is provided in note 2(b) and 2(d). 11 Current assets - Financial assets at fair value through profit or loss Australian listed securities Other unlisted equity securities Unlisted unit trusts 2016 $'000 285 231 10,402 10,918 2015 $'000 - 358 5,837 6,195 (a) Risk exposure and fair value measurements Information about the Group's exposure to price risk and the methods and assumptions used in determining fair value is provided in note 2. 12 Derivative financial assets and liabilities Current assets Exchange traded put options (a) Total current derivative financial instrument assets (a) Instruments used by the group 2016 $'000 2015 $'000 - - 89 89 The Group from time to time purchases exchange traded options to specifically hedge against market risks associated with its Principal Investments portfolio. (b) Risk exposures and fair value measurements Information about the Group's exposure to credit and price risk and methods and assumptions used in determining fair values is provided in note 2. The maximum exposure to credit risk at the end of each reporting period is the fair value of each class of derivative financial assets mentioned above. 102  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 13 Current assets - Other current assets Loans from Pinnacle to entities under joint control Capitalised transaction costs 2016 $'000 1,766 895 2,661 2015 $'000 3,637 - 3,637 Loans to entities under joint control includes accumulated equity accounted losses where the associated equity investment value is less than zero as a result of accumulated losses being greater than the cost of the investment. As outlined in note 3(a) loans to entities under joint control are assessed at least annually for possible indicators of impairment. Where indicators of impairment exist, the recoverability of these loans is determined. This relies on assumptions regarding the future profitability of the jointly controlled entities and their ability to service the loans. 14 Non-current assets - Property, plant and equipment Plant and equipment $'000 Fixtures and fittings $'000 Leasehold improvements $'000 Total $'000 At 30 June 2014 Cost Accumulated depreciation and impairment Net book amount 4,595 (4,547) 48 762 (762) - 7,980 (6,791) 1,189 13,337 (12,100) 1,237 Year ended 30 June 2015 Opening net book amount Additions Disposals Depreciation charge Depreciation charge - discontinued operations Transfer to assets of disposal group held for sale Closing net book amount At 30 June 2015 Cost Accumulated depreciation Net book amount Year ended 30 June 2016 Opening net book amount Additions Disposals Depreciation on disposal Depreciation charge Closing net book amount At 30 June 2016 Cost Accumulated depreciation Net book amount 48 57 (18) (12) (13) (17) 45 85 (40) 45 45 97 (26) 26 (32) 110 156 (46) 110 - 9 (1) - - - 8 19 (11) 8 8 11 - - (1) 18 30 (12) 18 1,189 222 - (19) (690) 1,237 288 (19) (31) (703) (702) (719) - - - - - 10 - - (3) 7 10 (3) 7 53 104 (51) 53 53 118 (26) 26 (36) 135 196 (61) 135 Property, plant and equipment is held by subsidiary entities – Ariano Pty Ltd, Pinnacle Services Administration Pty Ltd and Next Financial Limited 103  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 15 Net deferred tax assets Deferred tax assets (a) Deferred tax liabilities (b) Net deferred tax assets (a) Deferred tax assets The deferred tax asset balance comprises temporary differences attributable to: Unrealised loss on fair value assets Other Total deferred tax assets Set-off of deferred tax liabilities pursuant to set-off provisions Net deferred tax assets Deferred tax assets expected to be recovered within 12 months Deferred tax assets expected to be recovered after 12 months 2016 $'000 425 (425) - 2015 $'000 242 (242) - 2016 $'000 2015 $'000 260 165 425 (425) - - 425 425 222 20 242 (242) - 2 240 242 * A deferred tax asset in relation to tax losses is regarded as recoverable and therefore recognised only when, on the basis of all available evidence, it can be regarded as probable that there will be suitable taxable profits against which to recover the losses and from which the future reversal of underlying timing differences can be deducted. As at 30 June 2015 the deferred tax assets of continuing operations were derecognised on the basis that they could no longer be recognised under this criteria. Movements in deferred tax assets At 1 July 2014 Adjustments relating to prior periods (Charged)/credited - to profit or loss - current - to profit or loss - deferred Transfer to assets of disposal group held for sale At 30 June 2015 At 1 July 2015 Adjustments relating to prior periods (Charged)/credited - to profit or loss – current - to profit or loss - deferred At 30 June 2016 Tax losses $'000 8,622 Capital Allowances $'000 1,087 Unrealised loss on FV assets $'000 230 (9) 598 (9,211) - - - 2,410 (2,410) - - - 108 (1,195) - - - - - - - (8) - 222 222 - 38 260 Other $'000 3,345 Total $'000 13,284 2 (7) - (1,247) 598 (10,358) (2,080) 20 (3,275) 242 20 242 - 145 165 2,410 (2,227) 425 104  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 15 Net deferred tax assets (continued) (b) Deferred tax liabilities The deferred tax liabilities balance comprises temporary differences attributable to: 2016 $'000 2015 $'000 Financial assets at fair value through profit or loss Receivables Total deferred tax liabilities Deferred tax liabilities expected to be settled within 12 months Deferred tax liabilities expected to be settled after 12 months Movements in deferred tax liabilities Property, plant and equipment $'000 Put option premiums $'000 At 1 July 2014 Adjustments relating to prior periods Charged/(credited) - to profit or loss - deferred Transfer to assets of disposal group held for sale At 30 June 2015 At 1 July 2015 Charged/(credited) - to profit or loss - deferred At 30 June 2016 444 - 104 (548) - - - - 106 - (106) - - - - - Financial assets at fair value through profit/loss $'000 427 (3) (184) - 240 240 185 425 16 Non-current assets - Other non-current assets Loans to employee shareholders Loans from Pinnacle to entities under joint control 425 - 425 - 425 425 240 2 242 2 240 242 Other $'000 Total $'000 44 - (30) (12) 2 2 (2) - 1,021 (3) (216) (560) 242 242 183 425 2016 $'000 2015 $'000 - - - 488 265 753 Loans to employee shareholders at balance date are used by employees for the purpose of purchasing shares in entities under joint control, are repayable on sale of shares or termination of employment and are primarily repaid via dividends received from those entities. 105  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 17 Current liabilities - Trade and other payables Trade payables Accrued expenses Accrued bonuses Other payables 18 Current liabilities - Provisions Employee benefits - annual leave and long service leave Transaction - related costs * 2016 $'000 319 2,168 3,229 490 6,206 2016 $'000 979 - 979 2015 $'000 493 1,418 2,262 920 5,093 2015 $'000 816 1,123 1,939 * Transaction related costs relate to the disposal of the Securities business (refer note 8). (a) Movements in provisions Movements in each class of provision during the financial year, are set out below: 2016 Current Carrying amount at the start of the year Additional provisions recognised Amounts utilised during the year Carrying amount at end of year 19 Current liabilities - Other current liabilities Payables to disposal group Transaction related Costs $'000 Employee Benefits $'000 1,123 - (1,123) - 816 163 - 979 2016 $'000 2015 $'000 1,572 1,572 - - 106  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 20 Current liabilities - Financing arrangements (a) Secured liabilities and assets pledged as security Bank Guarantee Facility The Group has a bank guarantee facility which is secured by a general security deed over the assets of a subsidiary of the Group, Ariano Pty Ltd, and guarantees provided by the Company and other Group entities (excluding entities within the Pinnacle Investment Management Limited and Next Financial Limited groups) – refer note 27. These facilities expire on the 30 June 2017: Intraday settlement facility (amount used at balance date - $nil) Bank overdraft (amount used at balance date - $nil) Bank guarantee (amount used at balance date - $5,050,000) 2016 $'000 - - 5,500 5,500 2015 $'000 7,500 2,500 10,000 20,000 On 1 July 2015 the facility was amended as a result of the sale of the Wilson HTM Securities business (refer note 8). The intraday settlement facility and overdraft facility were removed and the bank guarantee facility reduced to $5,050,000. On 27 June 2016 the bank guarantee facility was amended to increase the amount of the facility from $5,050,000 to $5,500,000. The amended facility is supported by a negative pledge that states that (subject to certain exceptions) the Group will not provide any security over its assets and that the Group's consolidated tangible net assets must not be less than 60% of its total tangible assets. Ongoing compliance with covenants is reviewed on a regular basis and compliance was maintained during the period. Banking funding facilities for loans to clients of Next Financial Limited Next Financial Limited previously utilised funding lines provided by Westpac for loans to clients through its geared investment product. These loans were secured by equitable charges over securities and cash which Next Financial Limited held as trustee for clients. The facility was a five year term funding agreement provided on a limited recourse basis and secured by the securities (listed equities, cash and derivatives) held in custody. The facility carried specific undertakings in relation to maintaining net equity values, minimum financial solvency ratios and maintain prescribed collateral, gearing and derivative margin exposure limits. At 30 June 2015 all funding lines with Westpac had been repaid. The facility was not utilised during the year ended 30 June 2016 and has now been closed. 107  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 20 Current liabilities - Financing arrangements (continued) Assets pledged as security The carrying amounts of assets pledged as security at balance date in relation to the corporate loan facilities are set out below: Current Cash and cash equivalents Receivables Financial assets at fair value through profit or loss Other current assets Total current assets pledged as security Non-current Other financial assets Other non-current assets Plant and equipment Total non-current assets pledged as security Total assets pledged as security 2016 $'000 78 420 - 1,119 1,617 - 176 70 246 1,863 2015 $'000 16,618 32,193 5,127 14,000 67,938 13,579 - 719 14,298 82,236 The balances for the prior year include assets of the Wilson HTM Securities business prior to its disposal on 1 July 2015. (b) Interest rate risk exposure Information about the Group's exposure to interest rate changes are provided in note 2. 21 Non-current liabilities - Provisions Employee benefits - long service leave 2016 $'000 2015 $'000 73 73 232 232 (a) Movements in provisions Movements in each class of provision during the financial year are set out below: 2016 Carrying amount at start of year Amounts utilised during the year Carrying amount at end of year Employee Benefits $'000 232 (159) 73 108  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 2016 Shares 2015 Shares 111,131,752 111,131,752 110,531,752 110,531,752 2016 $'000 61,946 61,946 2015 $'000 61,466 61,466 Number of shares Issue price $'000 103,013,752 57,534 534,398 68,000 $0.00 132 - 4,075,000 $0.27 1,095 2,275,000 $0.32 500,000 $0.75 600,000 $0.60 (534,398) - 110,531,752 600,000 $0.60 - 111,131,752 725 375 357 (132) 1,380 61,466 357 123 61,946 22 Contributed equity (a) Share capital Ordinary shares: Fully paid contributed equity - Company Total contributed equity (b) Movements in ordinary share capital Date Details 1 July 2014 Opening balance Add: Treasury stock held at the beginning of the year Exercise of employee options – Sept 2009 grant Exercise of employee options – Feb 2013 grant Exercise of employee options – Feb 2013 grant Exercise of employee options – Feb 2014 grant Exercise of employee options – Nov 2014 grant Treasury stock utilised upon exercise of employee options Transfer from share-based payments reserve 30 June 2015 Balance Exercise of employee options – Nov 2014 grant Transfer from share-based payments reserve 30 June 2016 Balance (c) Ordinary shares Ordinary shares entitle the holder to participate in dividends and the proceeds on winding up of the Company in proportion to the number of and amounts paid on the shares held. On a show of hands every holder of ordinary shares present at a meeting in person or by proxy is entitled to one vote and upon a poll each share is entitled to one vote. Ordinary shares have no par value and the Company does not have a limited amount of authorised capital. (d) Treasury stock Treasury stock are shares in Pinnacle Investment Management Group Limited that were held by the employee share trust for the purpose of issuing shares under the Pinnacle Investment Management Group Employee Option Share Plan, and shares forfeited under employee shareholder loan arrangements. There was no treasury stock held at 30 June 2016. 109  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 22 Contributed equity (continued) (e) Employee share plans Information relating to the Pinnacle Investment Management Group Employee Option Share Plan, including details of options issued, exercised and lapsed during the financial year and options outstanding at the end of the financial year, is set out in note 35. (f) Capital risk management The Group's objective when managing capital is to safeguard its ability to continue as a going concern, so it can continue to provide returns for shareholders, benefits for other stakeholders and to maintain an optimal capital structure to reduce the cost of capital. In order to maintain or adjust the capital structure, the Group may adjust the amount of dividends paid to shareholders, return capital to shareholders, issue new shares or sell assets. The Group monitors capital on the basis of both Group liquidity and capital and liquidity ratios required under various licences held by subsidiaries. There have been no material instances of non-compliance with externally imposed capital requirements in the current period. 23 Reserves and accumulated losses (a) Reserves Share-based payments reserve Available-for-sale financial assets reserve Movements: Share-based payments reserve Balance at 1 July Share-based payments expense Tax effect of share based payment arrangement Transfer to contributed equity (options exercised) Issue of shares held by employee share plans to employees Balance at 30 June Available-for-sale financial assets reserve Balance at 1 July Changes in fair value of available-for-sale financial assets (refer note 8) Balance at 30 June 2016 $'000 2015 $'000 224 943 1,167 (307) - (307) (307) 531 - - - 224 - 943 943 1,231 712 (747) (1,380) (123) (307) - - - The share-based payments reserve is used to recognise: • • • • the grant date fair value of options issued to employees but not exercised; the grant date fair value of shares issued to employees; the issue of shares held by employee share plans to employees; and the grant date fair value of the Pinnacle Long-term Employee Incentive Plan. The available-for-sale financial assets reserve is used to recognise changes in the fair value of available-for-sale financial assets. 110  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 23 Reserves and accumulated losses (continued) (b) Accumulated losses Movements in accumulated losses were as follows: Balance at 1 July Profit/(loss) and total comprehensive income for the year attributable to owners of Pinnacle Investment Management Group Limited Dividends paid to shareholders Balance at 30 June 24 Dividends (a) Ordinary shares Special dividend of 2.25 cents per fully paid share paid on 18 September 2015 Fully franked based on tax paid @ 30.0% Final ordinary dividend for the year ended 30 June 2014 of 2.75 cents per fully paid share paid on 18 September 2014 Fully franked based on tax paid @ 30.0% 2016 $'000 (20,486) 4,537 (4,033) (19,982) 2015 $'000 (6,924) (8,960) (4,602) (20,486) 2016 $'000 2,487 2015 $'000 - - 2,848 Interim dividend for the year ended 30 June 2016 of 1.40 cents (2015 – 1.60 cents) per fully paid share paid on 31 March 2016 (2015 - 17 April 2015) Fully franked based on tax paid @ 30.0% Total dividends paid 1,546 4,033 1,754 4,602 (b) Dividends not recognised at the end of the reporting period 2016 $'000 2015 $'000 Since year end the directors have declared the payment of a special dividend of 5.0 cents per fully paid ordinary share (2015 – special dividend of 2.25 cents) fully franked based on tax paid at 30%. The aggregate amount of the dividend expected to be paid on 9 September 2016, but not recognised as a liability at year end, is: 5,557 2,487 Since year end the directors have declared the payment of a final dividend of 1.9 cents per fully paid ordinary share (2015 - $nil) fully franked based on tax paid at 30%. The aggregate amount of the dividend expected to be paid on 3 October 2016, but not recognised as a liability at year end, is: Total dividends not recognised at the end of the reporting period 2,815 8,372 - 2,487 (c) Franked dividends The franked portions of final dividends recommended after 30 June 2016 will be franked out of existing franking credits. 2016 $'000 2015 $'000 Franking credits available for subsequent financial years based on a tax rate of 30% (2015 - 30%) 26,578 22,717 111  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 24 Dividends (continued) The above amounts represent the balance of the franking account as at the end of the reporting period, adjusted for: (a) franking credits that will arise from the payment of the amount of the provision for income tax; (b) franking debits that will arise from the payment of dividends recognised as a liability at the reporting date; and (c) franking credits that will arise from the receipt of dividends recognised as receivables at the end of each reporting date. The consolidated amounts include franking credits that would be available to the Company if distributable profits of subsidiaries were paid as dividends. 25 Key Management Personnel (a) Key Management Personnel compensation Short-term employee benefits Post-employment benefits Long-term benefits Termination benefits Share-based payments 2016 $ 2,377,657 122,358 4,420 85,000 89,661 2015 $ 3,051,578 138,289 64,317 - 203,052 2,679,096 3,457,236 Certain Pinnacle Key Management Personnel are party to the long term employee incentive arrangement described in note 1 (r)(vii). At 30 June 2016, the balance of loans issued to Pinnacle Key Management Personnel was $1,272,917 (2015 - $1,272,917) relating to 5,160 (2015 - 5,160 shares) shares issued in Pinnacle. Detailed remuneration disclosures for Key Management Personnel are provided in the Remuneration Report. (b) Equity instrument disclosures relating to Key Management Personnel (i) Option and rights holdings The numbers of options and rights over ordinary shares in the Company held during the financial year by the directors of Pinnacle Investment Management Group Limited and other Key Management Personnel of the Group, including their personally related parties, are set out below. Balance at start of year Granted as compensation Exercised Expired and other changes* Balance at end of year 2016 Number 600,000 1,175,000 (600,000) - 1,175,000 2015 Number 220,000 1,200,000 (1,550,000) 730,000 600,000 *includes changes due to staff commencing or ceasing to be Key Management Personnel during the year. 112  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 25 Key Management Personnel (continued) (b) Equity instrument disclosures relating to Key Management Personnel (continued) (ii) Shareholdings The numbers of shares in the Company held during the financial year by the directors of Pinnacle Investment Management Group Limited and other Key Management Personnel of the Group, including their related parties, are set out below. Pinnacle Investment Management Group Limited Balance at start of year Purchased Sold and other changes* Balance at end of year 2016 Number 2015 Number 28,973,989 24,036,843 1,550,000 600,000 (1,000,000) 3,387,146 28,573,989 28,973,989 *includes changes due to staff commencing or ceasing to be Key Management Personnel during the year. Pinnacle Investment Management Limited Balance at start of year Granted as compensation Purchased Other changes* Balance at end of year 2016 Number 2015 Number 36,840 - - - 36,840 31,680 - - 5,160 36,840 *includes changes due to staff commencing or ceasing to be Key Management Personnel during the year. (c) Loans to Key Management Personnel Details of loans made to Directors of Pinnacle Investment Management Group Limited and other Key Management Personnel of the Group, including their related parties, are set out below. (i) Aggregates for Key Management Personnel Balance at the start of the year $ 2016 2015 2,391,917 1,119,000 Interest paid and payable for the year $ - - Loans advanced during the year $ - 856,845 Loan repayments received $ Other Changes* $ Balance at the end of the year $ Interest not charged $ Number in Group at the end of the year - - - 416,072 2,391,917 135,144 97,113 2,391,917 2 2 *includes changes due to staff commencing or ceasing to be Key Management Personnel during the year. The amounts shown for interest not charged in the table above represents the difference between the amount paid and payable for the year and the amount of interest that would have been charged on an arm’s length basis. 113  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 26 Remuneration of auditors During the year the following fees were paid or payable for services provided by the auditor of the Company and its related practices: (i) Audit and other assurance services Audit and review of financial statements Other assurance services: Audit of regulatory returns Audit of compliance plan - Responsible entity * Other assurance services Total remuneration for audit and other assurance services (ii) Taxation services Tax services Total remuneration for taxation services (iii) Other services Other services Total remuneration of PricewaterhouseCoopers Australia Total remuneration of auditors 2016 $ 2015 $ 364,115 280,540 26,000 26,395 59,765 476,275 52,860 54,952 43,146 431,498 128,588 128,588 130,531 130,531 - 604,863 604,863 - 562,029 562,029 * Compliance plan audit charges are on-charged to managed funds to which responsible entity services are provided. 27 Contingencies (a) Contingent assets and liabilities The Group had contingent liabilities at 30 June 2016 in respect of: (i) Guarantees The Group has provided guarantees in respect of the following items: (a) leases of related entities (via bank guarantees) amounting to $nil (2015 - $2,679,000). (b) Australian Securities and Investments Commission deposit of $nil (2015 - $40,000) (c) Australian Financial Services Licence Net Tangible Asset obligations (via bank guarantee) in respect of: (i) Pinnacle Funds Services Limited - $5,000,000 (2015 - $5,000,000) (ii) Pinnacle RE Services Limited - $50,000 (2015 - $50,000) The bank guarantee facility was amended on 1 July 2015 as a result of the sale of the Wilson HTM Securities business and the facility limit was reduced to $5,050,000 (refer note 20). The facility was subsequently amended on 27 June 2016 to $5,500,000. The unused bank guarantee facility available at balance date was $450,000 (30 June 2015 - $2,231,000). These guarantees may give rise to liabilities in the Company if the related entities do not meet their obligations that are subject to the guarantees. No material losses are anticipated in respect of any of the above contingent liabilities. (ii) Disposal of Securities Business The group has contingent liabilities and assets in respect to its historical ownership of the Wilson HTM Securities business prior to its disposal on 1 July 2015 (refer note 8). 114  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 28 Commitments (a) Capital commitments There were no capital expenditure commitments at balance sheet date. (b) Lease commitments: Group as lessee Commitments in relation to leases contracted for at the reporting date but not recognised as liabilities are payable as follows: Within one year Later than one year but not later than five years Non-cancellable operating leases (c) Other expenditure commitments Commitments contracted for at reporting date but not recognised as liabilities are payable as follows: Within one year Later than one year and not later than five years 2016 $'000 2015 $'000 598 2,070 2,668 2,668 1,717 3,618 5,335 5,335 2016 $'000 2015 $'000 123 145 268 1,381 354 1,735 (d) Other commitments A controlled entity - Pinnacle has previously entered into agreements whereby it has agreed to advance sufficient funds to entities under joint control to cover their operating expenses until such time as the entity becomes profitable on a monthly basis and is generating positive cash flows. Further information in relation to these balances is provided in note 31. 29 Related party transactions (a) Parent Entity The Parent Entity of the Group is Pinnacle Investment Management Group Limited (refer note 36). (b) Subsidiaries and jointly controlled entities Interests in subsidiaries are set out in note 30. Interests in jointly controlled entities are set out in note 31. Details of the disposal of a controlled entity are set out in note 8 and 30. Details of service charges to jointly controlled entities are provided in note 5. Details of dividend payments from entities under joint control are provided in note 31. 115  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 29 Related party transactions(continued) (c) Key Management Personnel Disclosure relating to Key Management Personnel is set out in note 25. Disclosure relating to share-based payments is set out in note 35. (d) Transactions with other related parties The following transactions occurred with related parties: Transactions with Deutsche Bank AG Corporate finance fees received from Deutsche Bank AG Interest revenue received from Deutsche Bank AG 2016 $ 2015 $ - - - 1,214,450 363 1,214,813 Other transactions Management fees, performance fees and brokerage received from investments in unlisted unit trusts managed by subsidiaries 2,018,969 1,361,731 All transactions were made on normal commercial terms and conditions and at market rates. * At 30 June 2016 management fees of $84,685 (30 June 2015 - $72,091) and performance fees of $1,104,778 (30 June 2015 - $25,759) were included in trade and other receivables. Deutsche Australia Deutsche Australia was a substantial shareholder of the Company and held 9.22% of the Company’s shares at balance date (2015 - 18.55%). Steven Skala was a non-executive director of the Company until his resignation on 26 August 2016 and is a director of Deutsche Australia Limited and Vice Chairman Australia and New Zealand of Deutsche Bank AG. Deutsche Bank AG participated in the purchase of the Wilson HTM Securities business from the Company on 1 July 2015 (refer note 8). Prior to the sale of the Securities business, in accordance with its obligations under the shareholder agreement with the Company, Deutsche Bank AG provided its Australian equities research product to the Company for use as the basis for the preparation of publications or briefing notes for distribution solely to the Securities business’ Private Wealth Management clients under the Wilson HTM brand. Steven Wilson AM In February 2014, Mr Wilson entered into an agreement with Wilson HTM Ltd, a subsidiary of the Company, to provide investment management services. This agreement is on the same terms and conditions as other Wilson HTM Ltd advisors. Wilson HTM Ltd was sold on 1 July 2015 and is no longer a subsidiary of the Company. For the period ended 30 June 2015 $28,236 was paid to Mr Wilson under this agreement. Chum Darvall AM A director of the Company until 31 August 2015, Chum Darvall AM was appointed in February 2014 as a member of the Palisade Investment Partners Advisory Board, which is associated with a jointly controlled entity. For the period during which he was a director of the Company Mr Darvall received fees of $10,000 from the entity (2015 - $60,000). 116  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 29 Related party transactions(continued) Issue of options – Pinnacle KMP On 1 July 2015, the Company issued 4,250,000 options in the Company to senior executives of its subsidiary Pinnacle Investment Management Limited. This included the issue of 750,000 options to Ian Macoun, and 425,000 options to Alex Ihlenfeldt, who are both Key Management Personnel of the consolidated entity. The options were issued under the Pinnacle Investment Management Group Employee Option Share Plan at an exercise price of 98.6 cents per share. They were granted for no consideration and vest based on fulfilment of specified service conditions. The options vest in two equal tranches (375,000 options per tranche for Mr Macoun, 212,500 options per tranche for Mr Ihlenfeldt) on 1 Jan 2018 and 1 Jan 2020 respectively, with a six month exercise period post vesting. The options are subject to claw-back arrangements and bad leaver provisions. Any options that remain unexercised at the end of the exercise period will lapse. Funds managed by subsidiaries Subsidiary companies received responsible entity, management and performance fees in relation to the management of the Spheria Australian Smaller Companies Fund (formerly Wilson Group Priority Growth Fund) and Spheria Australian MidCap Fund (formerly Wilson Group Priority Core Fund). The Group also holds an investment in the Spheria Australian Smaller Companies Fund and Spheria Australian MidCap Fund and these are included in financial assets at fair value through profit or loss. The gains and losses related to these investments are included in fair value gains and losses on financial assets held at fair value through profit or loss. (e) Loans to/from related parties Loans with entities under joint control Balance at 1 July Loans advanced Loans repaid Impairment Balance at 30 June (f) Investments in funds managed by subsidiaries Balance at 1 July Additions Revaluation Balance at 30 June 2016 $ 2015 $ 4,148,478 300,000 (3,000,000) 317,524 1,766,002 3,320,216 2,278,268 (1,150,000) (300,006) 4,148,478 2016 $ 2015 $ 4,769,470 2,000,000 651,501 7,420,971 5,245,642 - (476,172) 4,769,470 (g) Guarantees The Group has provided guarantees to subsidiaries as described in note 27. 117  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 30 Subsidiaries The consolidated financial statements incorporate the assets, liabilities and results of the following significant subsidiaries in accordance with the accounting policy described in note 1(b). The country of incorporation of all subsidiaries is also their principal place of business. Name of entity WIG Option Plan Managers Pty Ltd Priority Funds Management Pty Ltd (a) Priority Investment Management Pty Ltd (a) Ariano Pty Ltd Next Financial Limited Next Financial Nominees Pty Ltd Next Financial Nominees No.2 Pty Ltd Investment Solutions Client Services Pty Ltd Pinnacle Investment Management Limited Pinnacle Funds Services Limited Pinnacle Services Administration Pty Ltd Pinnacle RE Services Limited Plato Global Shares Income Fund (Managed Risk) Country of incorporation Australia Australia Australia Australia Australia Australia Australia Australia Australia Australia Australia Australia Australia Class of security Ordinary share Ordinary share Ordinary share Ordinary share Ordinary share Ordinary share Ordinary share Ordinary share Ordinary share Ordinary share Ordinary share Ordinary share Units Equity holding 2015 % 100 100 100 100 100 100 100 100 75 75 75 75 - 2016 % 100 100 100 100 100 100 100 100 75 75 75 75 100 Discontinued Operations Wilson HTM NewCo 2015 Pty Ltd (b) Wilson HTM Corporate Finance Ltd (b) Wilson HTM Services Pty Ltd (b) Wilson HTM Ltd (b) Australia Australia Australia Australia Ordinary share Ordinary share Ordinary share Ordinary share - - - - 100 100 100 100 (a) In July 2015 Wilson HTM Funds Management Pty Ltd was renamed Priority Funds Management Pty Ltd and Wilson HTM Investment Management Pty Ltd was renamed Priority Investment Management Pty Ltd. (b) On 1 July 2015 the shares of Wilson HTM Corporate Finance Ltd, and Wilson HTM Services Pty Ltd were transferred as part of the sale of the Securities business (refer note 8). Set out below is summarised financial information for each subsidiary that has non-controlling interests that are material to the Group. The amounts disclosed for each subsidiary are before inter-entity eliminations: Summarised statement of financial position Current assets Non-current assets Total assets Current liabilities Non-current liabilities Total liabilities Net assets Accumulated non-controlling interest Summarised statement of comprehensive income Revenue Share of net profit of jointly controlled entities accounted for using the equity method Expenses Total comprehensive income Total comprehensive income allocated to non-controlling interest Pinnacle Investment Management Limited 2015 $000 2016 $000 17,563 24,779 42,342 15,635 74 15,709 26,633 6,452 12,932 19,983 32,915 5,139 12,230 17,369 15,546 3,797 6,003 5,860 15,920 (11,300) 10,623 2,655 11,932 (10,263) 7,529 1,602 118  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) Pinnacle Investment Management Limited 2015 $000 2016 $000 - 409 6,779 (83) (2,000) 4,696 7,669 (1,464) (5,086) 1,119 30 Subsidiaries (continued) Dividends paid to non-controlling interest Summarised statement of cash flows Net cash inflows from operating activities Net cash outflows from investing activities Net cash outflows from financing activities Net increase in cash and cash equivalents Unconsolidated structured entities A structured entity is an entity whereby voting or similar rights are not the dominant factor in deciding who controls the entity and the relevant activities are directed by means of contractual arrangements. The Group had influence over the funds that a subsidiary, Priority Investment Management Pty Ltd, managed due to its power to participate in the financial and operating policy decisions of the investee through its investment management agreement. Priority Investment Management Pty Ltd ceased to be the investment manager on 1 July 2015 and was replaced by Spheria Asset Management Pty Limited, an entity under joint control. Spheria Australian Smaller Companies Fund and Spheria Australian MidCap Fund are considered to be structured entities in accordance with AASB 12. The Group has made seed investments into these funds in order to provide start up support while external investment is received. The Group also received management and performance fees for its role as investment manager of the funds (refer note 5 and 29(d)). The Group holds an investment in both funds. The funds invest in Australian listed equities. The nature and extent of the Group's investment in funds is summarised below: Spheria Australian Smaller Companies Fund 2016 $'000 Spheria Australian Smaller Companies Fund 2015 $'000 Spheria Australian MidCap Fund 2016 $'000 Spheria Australian MidCap Fund 2015 $'000 2,236 703 2,939 2,939 45,361 40,776 - 5,185 - - - 36,723 34,878 606 5,791 5,791 32,182 29,323 4,799 24 4,823 4,823 27,856 26,325 Current Assets Financial assets at fair value through profit or loss Receivables Total Assets Maximum exposure to loss Net Asset Value of Funds Fund's investment portfolio Unless specified otherwise, the Group's maximum exposure to loss is the total of its on-balance sheet positions at 30 June 2016. There are no additional off balance sheet arrangements which would expose the Group to potential loss. 119  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 31 Investments accounted for using the equity method (a) Carrying amounts A subsidiary of the Group, Pinnacle holds investments in entities under joint control that undertake funds management activities. Information relating to these entities under joint control is set out below. Name of company Unlisted Principal Activity Funds Management Plato Investment Management Limited Palisade Investment Partners Limited Funds Management Funds Management Hyperion Holdings Limited Foray Enterprises Pty Limited Funds Management Solaris Investment Management Ltd Funds Management Sigma Funds Management Pty Ltd* Funds Management Spheria Asset Management Pty Ltd Funds Management Antipodes Partners Holdings Pty Ltd Funds Management *Interest disposed of during April 2016. Ownership interest 2016 % 2015 % Carrying Value 2016 2015 $'000 $'000 49.92 49.92 566 - 35.71 49.99 40.00 40.00 - 40.00 23.57 35.71 49.99 40.00 40.00 26.00 - 22.50 2,279 4,239 12,741 2,786 - 632 1,285 873 4,270 11,652 2,613 - - - 24,528 19,408 Each of the above entities under joint control is incorporated and has their principal place of business in Australia and are accounted for using the equity method. (b) Summarised financial information for joint ventures Hyperion Holdings Limited Foray Enterprises Pty Limited Summarised statement of financial position Total current assets Total non-current assets Total current liabilities Total non-current liabilities Net Assets Group share in % Reconciliation to carrying amounts: Opening net assets 1 July Total comprehensive income Dividends paid Closing net assets Group's share of net assets Excess consideration over share of net assets Carrying amount Summarised statement of comprehensive income 2016 $000 9,041 3,205 (3,808) (187) 8,251 49.99% 2015 $000 12,486 724 (4,661) (233) 8,316 49.99% 8,316 20,454 (20,519) 8,251 4,125 114 4,239 7,207 15,553 (14,444) 8,316 4,158 112 4,270 2016 $000 12,627 1,272 (4,956) (44) 8,899 40.0% 5,768 5,367 (2,236) 8,899 3,560 9,181 12,741 Revenue Profit for the year Other comprehensive income Total comprehensive income Dividends received from joint venture entities 37,293 20,454 - 20,454 (10,259) 29,639 15,554 - 15,554 (7,222) 18,018 5,369 - 5,369 (900) 2015 $000 9,379 1,501 (4,388) (724) 5,768 40.0% 4,971 5,297 (4,500) 5,768 2,307 9,345 11,652 15,742 5,296 - 5,296 (1,800) 120  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 31 Investments accounted for using the equity method (continued) Individually immaterial jointly controlled entities In addition to the interests disclosed above, the Group also has interests in a number of individually immaterial entities under joint control that are accounted for using the equity method. Aggregate carrying amount of individually immaterial joint ventures Aggregate amounts of the Group's share of: Profit for the year Other comprehensive income Total comprehensive income (c) Movements in carrying amounts Carrying amount at the beginning of the financial year Purchase of shares in entities under joint control Long term employee incentive arrangements Share of profit after income tax Write off of investment in entities under joint control Recovery of impairment Dividends received/receivable Carrying amount at the end of the financial year (d) Share of entities revenue, expenses and results Revenues Expenses Profit before income tax Income tax expense Profit after income tax (e) Summary of entities under joint control Current assets Non-current assets Total assets Current liabilities Non-current liabilities Total liabilities Net assets 2016 $'000 7,548 3,702 - 3,702 2016 $'000 19,408 2,140 - 15,920 - 556 (13,496) 24,528 2016 $'000 38,070 (15,184) 22,886 (6,966) 15,920 2016 $'000 18,398 3,255 21,653 9,057 576 9,633 12,020 2015 $'000 3,485 2,194 - 2,194 2015 $'000 19,362 10 (171) 11,932 (10) - (11,715) 19,408 2015 $'000 29,164 (12,090) 17,074 (5,142) 11,932 2015 $'000 14,871 1,546 16,417 7,010 467 7,477 8,940 121  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 32 Events occurring after the reporting period Purchase of non-controlling interests of Pinnacle On 25 August 2016 the Company completed the purchase of the 24.99% non-controlling interest in its subsidiary Pinnacle that it did not already own from the Sellers of Pinnacle (Pinnacle Vendors), following approval by shareholders at an extraordinary general meeting on 16 August 2016, and the fulfilment of all conditions precedent. Issue of Shares Under the terms of the share sale agreement the Company issued 37,043,917 shares in the Company as consideration to the Sellers in exchange for their shareholdings in Pinnacle. Shareholder Loans Separately, on 25 August 2016, the Sellers acquired 10,251,152 shares in the Company from Deutsche Australia. A portion of these shares was acquired by the Sellers with five-year loans from the Company to the Seller’s executives totalling $3,000,000. The key terms of the loans are as follows: (a) The loans have a five year term, are limited recourse (subject to the limitations of any indemnification of the relevant trustees of the Sellers) and are interest bearing; (b) They are secured by way of a share mortgage (see further detail below); (c) Repayment will occur at the earlier of the end of the five year term, the date on which any shares are sold or within six months of the cessation of the employment of the Seller’s Executive; (d) Events of default include cessation of employment of the Seller’s Executive, insolvency or any representation or warranty or statement of the borrower being incorrect or misleading. As security for the loans, the Company has obtained a first ranking mortgage over that number of the Company’s shares which is equal to two times the principal loan amount in value utilising a share price of 90 cents per share. In the occasion of any event of default under the loans, the Company can exercise its rights to enforce its security including by the appointment of a receiver. Additionally, current loans amounting to $4,311,649 issued by Pinnacle to the Seller’s Executives were re- issued by the Company. The current loans date from 2009, 2011, 2012 and 2015 and were used to assist the Seller’s Executives to acquire equity in Pinnacle. The loans are interest free and (with the exception of the 2015 loans) repayable on termination of employment or when the underlying equity is sold, whichever event occurs earlier. The re-issued loans are secured by share mortgages with limited recourse to the shares. Pinnacle Investment Management Group Employee Option Share Plan Shareholder approval was given on 16 August 2016 to amend the terms of the Pinnacle Investment Management Group Employee Option Share Plan to facilitate the issuing of shares and provision of loans referred to above. Employee Options In the event that the Company conducts a placement prior to 30 June 2020 in respect of options that are issued but unvested as at 26 August 2016, the Sellers are entitled to subscribe to the placement for up to a maximum of 1,416,667 shares at the subscription price of the options. Warranties The Company has provided a number of warranties under the share sale agreement with the Sellers’ Executives including warranties relating to information provided, solvency, title, capacity, authorisations, financial position, information, contingent liabilities, insurance and compliance with laws. Those warranties and the Company’s liability are qualified in time and amount by a number of matters. Change of Name Wilson Group Limited changed its name to Pinnacle Investment Management Group Limited on 25 August 2016. 122  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 32 Events occurring after the reporting period (continued) Special Dividend On 16 August 2016 the Company announced the payment of a special dividend of $0.05 per ordinary share, with a record date of 24 August 2016 and payment date of 9 September 2016. Director appointment and resignations On 16 August 2016 Mr Ian Macoun was appointed Managing Director of the Company. Mr Macoun was appointed to the board of Directors on 25 August 2016. On 16 August 2016 Mr Alexander Grant resigned as Managing Director of the Company. On 26 August 2016 Mr Steven Skala AO resigned as a Director of the Company. Other than the above, no matter or circumstance has occurred subsequent to year end that has significantly affected, or may significantly affect, the operations of the Group, the results of those operations or the state of affairs of the Group or economic entity in subsequent financial years. 33 Additional cash flow information (a) Reconciliation to cash at the end of the year For the purposes of the consolidated statement of cash flows, cash and cash equivalents include cash at bank and on hand, deposits at call and cash held in trust net of outstanding bank overdrafts. Cash and cash equivalents at the end of the reporting period as shown in the consolidated statement of cash flows can be reconciled to the related items in the consolidated statement of financial position as follows: Cash and cash equivalents Balances per statement of cash flows (b) Reconciliation of net cash flow from operating activities to profit Profit/(loss) for the year Depreciation and amortisation Impairment Loss on remeasurement of subsidiaries Gain on deconsolidation of subsidiary Equity settled share-based payments Net gains on sale of financial assets at fair value through profit or loss Unrealised losses/(gains) on financial assets at fair value through profit or loss Change in current and deferred tax balances Change in operating assets and liabilities, net of effects from acquisition and disposal of businesses: Trade and other receivables Investments Financial assets Trade and other payables Provisions Financial liabilities Net cash (outflow)/inflow from operating activities 2016 $'000 13,544 13,544 2016 $'000 7,192 195 360 - - 531 (483) 140 - (1,446) (2,795) (4,291) 418 4 - (175) 2015 $'000 13,570 13,570 2015 $'000 (7,358) 1,268 310 2,497 (56) 712 (312) 455 8,801 2,542 (217) (312) (919) (125) (339) 6,947 The reconciliation of net cash flow from operating activities to profit/(loss) includes both continuing and discontinued operations 123  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 34 Earnings per share (a) Basic earnings per share Attributable to the ordinary equity shareholders of the Company From continuing operations From discontinued operations From total operations (b) Diluted earnings per share Attributable to the ordinary equity shareholders of the Company From continuing operations From discontinued operations From total operations (c) Reconciliations of earnings used in calculating earnings per share Basic and diluted earnings per share Profit/(loss) attributable to the ordinary owners of the Company used in calculating basic and diluted earnings per share: From continuing operations From discontinued operation Profit/(loss) used in calculating basic and diluted earnings per share (d) Weighted average number of shares used as the denominator 2016 Cents 5.2 (1.1) 4.1 2015 Cents (5.2) (3.3) (8.5) 2016 Cents 2015 Cents 5.2 (1.1) 4.1 (5.2) (3.3) (8.5) 2016 $'000 2015 $'000 5,785 (1,248) 4,537 (5,496) (3,464) (8,960) 2016 Number 2015 Number Weighted average number of ordinary shares used as the denominator in calculating basic earnings per share 110,580,932 105,748,422 Adjustments for calculation of diluted earnings per share: Weighted average options Weighted average number of ordinary and potential ordinary shares used as the denominator in calculating diluted earnings per share 1,129,086 - 111,710,018 105,748,422 (e) Information concerning the classification of securities Options granted to employees under the employee share schemes are considered to be potential ordinary shares and have been included in the determination of diluted earnings per share to the extent to which they are dilutive. The options have not been included in the determination of basic earnings per share. 124  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 35 Share-based payments (a) Pinnacle Investment Management Group Employee Option Share Plan The establishment of the Pinnacle Investment Management Group Employee Option Share Plan (EOSP) was approved by the Board during the 2007 financial year. The EOSP is designed to provide long-term incentives for staff (including executive and non-executive directors) to deliver long-term shareholder returns. Under the plan, participants are granted options which only vest if certain service conditions are met. Participation in the plan is at the Board's discretion and no individual has a contractual right to participate in the plan or to receive any guaranteed benefits. Set out below are summaries of options granted under the plan. Grant date Expiry date 2016 26 Nov 2014 (B) 30 Jun 2016 1 July 2015 (A) 1 July 2015 (B) 30 June 2018 30 June 2020 Exercise price Balance at start of the year Granted during the year Exercised during the year Forfeited during the year Balance at end of the year Vested and exercisable at end of the year $0.595 600,000 - $0.986 - $0.986 - 600,000 - - - - - 600,000 4,250,000 600,000 - 4,250,000 - 2,125,000 2,125,000 - 2,125,000 2,125,000 - - - Weighted average exercise price $0.60 $0.99 $0.60 - $0.99 - Grant date Expiry date Exercise price Balance at start of the year Granted during the year Exercised during the year Forfeited during the year Balance at end of the year 2015 11 Sep 2014 11 Sept 2009 30 Jun 2015 18 Feb 2013 30 Jun 2015 18 Feb 2013 30 Jun 2015 24 Feb 2014 26 Nov 2014 30 Jun 2015 26 Nov 2014 (B) 30 Jun 2016 - (68,000) 96,000 $0.27 4,900,000 $0.32 2,275,000 $0.75 500,000 - - - - - - - 600,000 7,771,000 1,200,000 (7,518,000) (853,000) 600,000 (28,000) - - (4,075,000) (825,000) - - (2,275,000) - (500,000) - - (600,000) 600,000 - - 600,000 $0.595 $0.595 Vested and exercisable at end of the year - - - - - - - Weighted average exercise price $0.31 $0.60 $0.34 $0.26 $0.60 - Options forfeited were as a result of the resignation of plan members from the Group and upon the expiry of options. The weighted average share price at the date of exercise of options exercised during the year ended 30 June 2016 was $1.47 (2015 - $1.05). The weighted average remaining contractual life of share options outstanding at the end of the period was 2.6 years (2015 - 1.0 years). Under the plan, participants are granted options which vest if the employees are still employed by the Group at the end of the vesting period. The Board may elect to waive the continuing service condition (for example in cases of redundancy) and allow options to continue. Options granted under the plan carry no dividend or voting rights. The plan is consolidated into the Group's financial statements in accordance with note 1 (b)(ii). Shares held by the trust and not yet issued to employees at the reporting period are shown as treasury shares in the financial statements (see note 22(d)). 125  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 35 Share-based payments (continued) Fair value of interests granted - 26 November 2014 (B) Options were granted for no consideration and vested based on fulfilment of specified service conditions. Vested options are exercisable for a period of 18 weeks after vesting. The fair value of options were determined using a Black-Scholes pricing model taking into account the exercise price, the term of the option, the share price at grant date and expected price volatility of the underlying share, the expected dividend yield and the risk free interest rate for the term of the instrument. • Fair value at grant date: $0.21 per option • Exercise price: $0.595 • Grant date: 26 November 2014 • Vesting date: 27 February 2016 • Share price at grant date: $0.70 • Expected price volatility of the Company's shares: 52% • Expected dividend yield: 3.90% • Risk-free interest rate: 2.77% Fair value of interests granted – 1 July 2015 (A) Options were granted for no consideration and vest based on fulfilment of specified service conditions. Vested options are exercisable for a period of 6 months after vesting. The fair value of options were determined using a Black-Scholes pricing model taking into account the exercise price, the term of the option, the share price at grant date and expected price volatility of the underlying share, the expected dividend yield and the risk free interest rate for the term of the instrument. • Fair value at grant date: $0.30 per option • Exercise price: $0.986 • Grant date: 1 July 2015 • Vesting date: 1 January 2018 • Share price at grant date: $1.20 • Expected price volatility of the Company's shares: 31% • Expected dividend yield: 3.63% • Risk-free interest rate: 2.03% Fair value of interests granted – 1 July 2015 (B) Options were granted for no consideration and vest based on fulfilment of specified service conditions. Vested options are exercisable for a period of 6 months after vesting. The fair value of options were determined using a Black-Scholes pricing model taking into account the exercise price, the term of the option, the share price at grant date and expected price volatility of the underlying share, the expected dividend yield and the risk free interest rate for the term of the instrument. • Fair value at grant date: $0.32 per option • Exercise price: $0.986 • Grant date: 1 July 2015 • Vesting date: 1 January 2020 • Share price at grant date: $1.20 • Expected price volatility of the Company's shares: 31% • Expected dividend yield: 3.63% • Risk-free interest rate: 2.31% 126  Pinnacle Investment Management Group Limited Notes to the consolidated financial statements 30 June 2016 (continued) 35 Share-based payments (continued) (b) Pinnacle Long-term Employee Incentive Plan Information regarding the Pinnacle Long-term Employee Incentive Plan is provided in notes 1(r)(vii) and 25(a). (c) Expenses arising from share-based payment transactions Total expenses arising from share-based payment transactions recognised during the period as part of incentive expenses were as follows: Pinnacle Investment Management Group Employee Option Share Plan Pinnacle Long-term Employee Incentive Plan 2016 $ 468,316 62,699 531,015 2015 $ 688,881 23,580 712,461 36 Parent Entity financial information (a) Summary financial information The individual financial statements for the Parent Entity show the following aggregate amounts: Statement of financial position Current assets Non-current assets Total assets Current liabilities Non-current liabilities Total liabilities Net assets Shareholders' equity Contributed equity Reserves Accumulated losses Total equity Profit/(loss) for the year 2016 $'000 36,559 13,777 50,336 25,768 1 25,769 24,567 2015 $'000 38,659 18,942 57,601 43,219 3 43,222 14,379 61,946 1,417 (38,796) 24,567 61,526 409 (47,556) 14,379 12,794 (40,330) 13,737 Total comprehensive income/(loss) (b) Guarantees entered into by the Parent Entity Details of guarantees entered into by the Group are provided at note 27. (c) Contingent liabilities of the Parent Entity Details of contingent liabilities of the Parent Entity are provided at note 27. No material losses are anticipated in respect of these contingent liabilities. (d) Contractual commitments for the acquisition of property, plant and equipment As at 30 June 2016, the Parent Entity had no contractual commitments for the acquisition of property, plant and equipment (2015 - nil). (40,330) 127  10  Directors’ declaration In the directors’ opinion: (a) the financial statements and notes set out on pages 65 to 127 are in accordance with the Corporations Act 2001, including: (i) (ii) complying with Accounting Standards, the Corporations Regulations 2001 and other mandatory professional reporting requirements, and giving a true and fair view of the consolidated entity’s financial position as at 30 June 2016 and of its performance for the year ended on that date, and (b) there are reasonable grounds to believe that Pinnacle Investment Management Group Limited will be able to pay its debts as and when they become due and payable. Note 1(a) confirms that the financial statements also comply with International Financial Reporting Standards as issued by the International Accounting Standards Board. The directors have been given the declarations by the Managing Director and Chief Financial Officer required by section 295A of the Corporations Act 2001. This declaration is made in accordance with a resolution of the directors. A Watson Chairman Sydney 30 August 2016 128    129 130 12  Shareholder Information The shareholder information set out below is correct as at 29 or 30 August 2016, as indicated. Shares on Issue Distribution of securities – (as at 29 August 2016) Range 1 - 1,000 1,001 - 5,000 5,001 - 10,000 10,001 - 100,000 100,001 - 9,999,999,999 Rounding Total No. of shareholders No. of shares 246 310 119 283 111 178,377 905,046 952,855 10,559,494 135,579,897 1,069 148,175,669 Unmarketable Parcels (as at 29 August 2016) Minimum $ 500.00 parcel at $ 1.80 per unit Minimum Parcel Size Holders 278 55 Twenty largest shareholders (as at 30 August 2016) % 0.1% 0.6% 0.6% 7.1% 91.5% 0 100% Units 4052 Rank 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 Name MACOUN GENERATION Z PTY LTD WARRAGAI INVESTMENTS PTY LTD BAINPRO NOMINEES PTY LIMITED RBC INVESTOR SERVICES AUSTRALIA NOMINEES PTY LIMITED RBC INVESTOR SERVICES AUSTRALIA NOMINEES PTY LTD MACOUN SUPERANNUATION PTY LTD KINAULD PTY LTD MR ALEXANDER WILLIAM MACDONALD AJF SQUARED PTY LTD ANDREW CHAMBERS + FLEUR CHAMBERS MR ADRIAN WHITTINGHAM RBC INVESTOR SERVICES AUSTRALIA PTY LIMITED EARLSTON NOMINEES PTY LTD MR DAVID FRANCIS CLEARY MACOUN FAMILY SUPER PTY LTD MR DAVID NOEL GROTH USINOZ PTY LTD HSBC CUSTODY NOMINEES (AUSTRALIA) LIMITED J P MORGAN NOMINEES AUSTRALIA LIMITED MR ROBERT JAMES WILSON Units % of Units 20,243,592 10,420,000 10,251,152 9,221,466 6,041,777 5,690,004 4,750,000 4,670,090 4,647,214 4,647,214 4,647,214 3,637,615 3,120,000 3,005,925 1,968,148 2,989,424 4,021,610 1,943,018 1,633,242 1,500,000 13.66% 7.03% 6.92% 6.22% 4.08% 3.84% 3.21% 3.15% 3.14% 3.14% 3.14% 2.45% 2.11% 2.03% 1.33% 2.02% 2.71% 1.31% 1.10% 1.01% 131    Substantial Shareholdings The names of the shareholders who have notified the Company of a substantial holding in accordance with section 671B of the Corporations Act 2001 are: Substantial Shareholder No. of shares % of total shares on issue IAN MACOUN 27,969,744 18.88% STEVEN MONTEITH WILSON AM PACIFIC CURRENT GROUP LIMITED AND AURORA INVESTMENT MANAGEMENT PTY LTD Voting Rights 20,003,000 13.50% 10,821,468 7.30% On a show of hands every member present in person or by proxy shall have one vote and upon a poll each share shall have one vote. Options and Performance Rights On Issue Distribution of securities There are 4,250,000 options on issue as at 30 August 2016. The options are held by AET Structured Finance Services Pty Ltd as trustee for the Pinnacle Investment Management Group Employee Option Share Plan. The options are not listed. Voting Rights There are no voting rights attaching to the options. 132    Queensland Brisbane Registered Office Level 19, 307 Queen Street Brisbane QLD 4000 Telephone 1300 651 577 New South Wales Sydney Level 35, 60 Margaret Street Sydney NSW 2000 Telephone 1300 651 577 13  Corporate Directory Pinnacle Investment Management Group Limited Incorporated in Queensland on 23 April 2002 ABN 22 100 325 184 Directors Alan Watson, Chairman Alexander Grant, Managing Director (until 16 August 2016) Ian Macoun, Managing Director (from 17 August 2016; executive director from 25 August 2016) Steven Skala AO (until 26 August 2016) Chum Darvall AM (until 31 August 2015) Steven Wilson AM General Counsel and Company Secretary Eleanor Padman Independent Member of Audit Committee Don Mackenzie Chief Financial Officer and Chief Operating Officer Alex Ihlenfeldt Share Registry Computershare Investor Services Pty Limited 117 Victoria Street West End QLD 4101 Telephone 1300 552 270 ASX Code PNI (previously WIG) Shares are listed on the Australian Securities Exchange Bankers Commonwealth Bank of Australia Westpac Banking Corporation Auditor PricewaterhouseCoopers Website Address www.pinnacleinvestment.com.au 133      I P N N A C L E I N V E S T M E N T M A N A G E M E N T G R O U P L I M T E D I pinnacleinvestment.com.au A N N U A L R E P O R T 2 0 1 6 ANNUAL REP ORT 2016

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