Quarterlytics / Industrials / Marine Shipping / SFL Corporation Ltd. / FY2020 Annual Report

SFL Corporation Ltd.
Annual Report 2020

SFL · NYSE Industrials
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FY2020 Annual Report · SFL Corporation Ltd.
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 20-F 
[ ☐  ]   REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g)
OF THE SECURITIES EXCHANGE ACT OF 1934

OR

[☒]    ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934

For the fiscal year ended

December 31, 2020

OR

[ ☐ ]  TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934

OR

[ ☐ ]  SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934

Date of event requiring this shell company report

...............................................................

For the transition period from  ___________________________to  ___________________________

Commission file number

001-32199

SFL Corporation Ltd.
(Exact name of Registrant as specified in its charter)

(Translation of Registrant's name into English)

Bermuda

(Jurisdiction of incorporation or organization)

Par-la-Ville Place 14 Par-la-Ville Road Hamilton HM 08 Bermuda

(Address of principal executive offices)

Par-la-Ville Place 14 Par-la-Ville Road Hamilton HM 08 Bermuda

James Ayers

(Name, Telephone, Email and/or Facsimile number and Address of Company Contact Person)

Tel: +1 (441) 295-9500  Fax: +1 (441) 295-3494

 
 
 
 
 
Securities registered or to be registered pursuant to section 12(b) of the Act

Title of each class

Trading Symbol

Name of each exchange on which registered

Common Shares, $0.01 Par Value

SFL

New York Stock Exchange

Securities registered or to be registered pursuant to section 12(g) of the Act.

Securities for which there is a reporting obligation pursuant to Section 15(d) of the Act.

None

(Title of Class)

None

(Title of Class)

Indicate the number of outstanding shares of each of the issuer's classes of capital or common stock as of the close of the period covered by 
the annual report.

127,810,064   Common Shares, $0.01 Par Value

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.

[ ☒ ] Yes  [  ] No

If this report is an annual or transition report, indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or 
15(d) of the Securities Exchange Act of 1934.

[   ] Yes  [ ☒ ] No 

Note – Checking the box above will not relieve any registrant required to file reports pursuant to Section 13 or 15(d) of the Securities 
Exchange Act of 1934 from their obligations under those Sections.

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange 
Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been 
subject to such filing requirements for the past 90 days.

[ ☒ ] Yes  [   ] No

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to 
Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).

[ ☒ ] Yes  [   ] No

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or an emerging growth 
company.  See definition of "large accelerated filer", "accelerated filer", and  "emerging growth company" in Rule 12b-2 of the Exchange 
Act.:

Large accelerated 

filer ☒

Accelerated filer ☐

Non-accelerated filer   ☐

Emerging growth company ☐

If an emerging growth company that prepares its financial statements in accordance with U.S. GAAP, indicate by check mark if the registrant 
has elected not to use the extended transition period for complying with any new or revised financial accounting standards† provided pursuant 
to Section 13(a) of the Exchange Act.  ☐

†  The  term  new  or  revised  financial  accounting  standard  refers  to  any  update  issued  by  the  Financial  Accounting  Standards  Board  to  its 
Accounting Standards Codification after April 5, 2012. 

Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its 
internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public 
accounting firm that prepared or issued its audit report     ☒

 
Indicate by check mark which basis of accounting the registrant has used to prepare the financial statements included in this filing:

☒ U.S. GAAP

☐  International Financial Reporting Standards as 
issued by the International Accounting Standards 
Board

☐  Other

If "Other" has been checked in response to the previous question, indicate by check mark which financial statement item the registrant has 
elected to follow:

☐ Item 17  ☐ Item 18

If this is an annual report, indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).

[ ☐  ] Yes  [ ☒ ] No

3

INDEX TO REPORT ON FORM 20-F  

PART I

PAGE

ITEM 1.

ITEM 2.

ITEM 3.

ITEM 4.

IDENTITY OF DIRECTORS, SENIOR MANAGEMENT AND ADVISERS

OFFER STATISTICS AND EXPECTED TIMETABLE

KEY INFORMATION

INFORMATION ON THE COMPANY

ITEM 4A.

UNRESOLVED STAFF COMMENTS

ITEM 5.

ITEM 6.

ITEM 7.

ITEM 8.

ITEM 9.

ITEM 10.

ITEM 11.

ITEM 12.

ITEM 13.

ITEM 14.

ITEM 15.

OPERATING AND FINANCIAL REVIEW AND PROSPECTS

DIRECTORS, SENIOR MANAGEMENT AND EMPLOYEES

MAJOR SHAREHOLDERS AND RELATED PARTY TRANSACTIONS

FINANCIAL INFORMATION

THE OFFER AND LISTING

ADDITIONAL INFORMATION

QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

DESCRIPTION OF SECURITIES OTHER THAN EQUITY SECURITIES

PART II

DEFAULTS, DIVIDEND ARREARAGES AND DELINQUENCIES

MATERIAL MODIFICATIONS TO THE RIGHTS OF SECURITY HOLDERS AND USE OF 
PROCEEDS
CONTROLS AND PROCEDURES

ITEM 16A.

AUDIT COMMITTEE FINANCIAL EXPERT

ITEM 16B.

CODE OF ETHICS

ITEM 16C.

PRINCIPAL ACCOUNTANT FEES AND SERVICES

ITEM 16D.

EXEMPTIONS FROM THE LISTING STANDARDS FOR AUDIT COMMITTEES

ITEM 16E.

ITEM 16F.

PURCHASE OF EQUITY SECURITIES BY THE ISSUER AND AFFILIATED 
PURCHASERS
CHANGE IN REGISTRANT'S CERTIFYING ACCOUNTANT

ITEM 16G.

CORPORATE GOVERNANCE

ITEM 16H.

MINE SAFETY DISCLOSURE

PART III

ITEM 17.

ITEM 18.

ITEM 19.

FINANCIAL STATEMENTS

FINANCIAL STATEMENTS

EXHIBITS

1

1

1

33

55

56

95

98

103

105

106

116

117

118

118

118

119

119

119

120

120

120

120

121

122

122

123

i

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS AND SUMMARY OF RISK 
FACTORS

Matters discussed in this annual report and the documents incorporated by reference may constitute forward-looking statements. 
The Private Securities Litigation Reform Act of 1995 provides safe harbor protections for forward-looking statements in order 
to encourage companies to provide prospective information about their business. Forward-looking statements include, but are 
not limited to, statements concerning plans, objectives, goals, strategies, future events or performance, underlying assumptions 
and other statements, which are other than statements of historical facts.

SFL  Corporation  Ltd.  and  its  subsidiaries,  or  the  Company,  desires  to  take  advantage  of  the  safe  harbor  provisions  of  the 
Private  Securities  Litigation  Reform  Act  of  1995  and  is  including  this  cautionary  statement  pursuant  to  this  safe  harbor 
legislation. This report and any other written or oral statements made by the Company or on its behalf may include forward-
looking statements, which reflect the Company’s current views with respect to future events and financial performance and are 
not intended to give any assurance as to future results. When used in this document, the words “believe,” “anticipate,” “intend,” 
“estimate,” “forecast,” “project,” “plan,” “potential,” “will,” “may,” “should,” “expect,” “targets,” “likely,” “would,” “could” 
“seeks,”  “continue,”  “possible,”  “might,”  “pending”  and  similar  expressions,  terms  or  phrases  may  identify  forward-looking 
statements.

The  forward-looking  statements  herein  are  based  upon  various  assumptions,  many  of  which  are  based,  in  turn,  upon  further 
assumptions,  including,  without  limitation,  management’s  examination  of  historical  operating  trends,  data  contained  in  the 
Company’s  records  and  other  data  available  from  third  parties.  Although  the  Company  believes  that  these  assumptions  were 
reasonable when made, because these assumptions are inherently subject to significant uncertainties and contingencies which 
are  difficult  or  impossible  to  predict  and  are  beyond  its  control,  the  Company  cannot  assure  you  that  it  will  achieve  or 
accomplish these expectations, beliefs or projections.

Such statements reflect the Company’s current views with respect to future events and are subject to certain risks, uncertainties 
and  assumptions.  Should  one  or  more  of  these  risks  or  uncertainties  materialize,  or  should  underlying  assumptions  prove 
incorrect,  actual  results  may  vary  materially  from  those  described  herein  as  anticipated,  believed,  estimated,  expected  or 
intended. The Company is making investors aware that such forward-looking statements, because they relate to future events, 
are  by  their  very  nature  subject  to  many  important  factors  that  could  cause  actual  results  to  differ  materially  from  those 
contemplated.  In  addition  to  these  important  factors  and  matters  discussed  elsewhere  herein,  important  factors  that,  in  the 
Company’s view, could cause actual results to differ materially from those discussed in the forward-looking statements include, 
but are not limited to:

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the strength of world economies;
the Company’s ability to generate cash to service its indebtedness;
the  Company’s  ability  to  continue  to  satisfy  its  financial  and  other  covenants,  or  obtain  waivers  relating  to  such 
covenants from its lenders under its credit facilities;
 the availability of financing and refinancing, as well as the Company’s ability to obtain such financing or refinancing in 
the future to fund capital expenditures, acquisitions and other general corporate activities and the Company's ability to 
comply with the restrictions and other covenants in its financing arrangements;
the Company’s counterparties’ ability or willingness to honor their obligations under agreements with it;
fluctuations in currencies and interest rates;
general market conditions in the seaborne transportation industry, which is cyclical and volatile, including fluctuations in 
charter hire rates and vessel values;
prolonged or significant downturns in the tanker, dry-bulk carrier, container and/or offshore drilling charter markets; 
the volatility of oil and gas prices, which effects, among other things, the tanker sector and/or the offshore drilling sector; 
a decrease in the value of the charter-free market values of the Company’s vessels and drilling units; 
an oversupply of vessels, including drilling units, which could lead to reductions in charter hire rates and profitability; 
the inability to retain and recruit qualified key executives, key employees, key consultants or skilled workers; 
the potential difference in interests between or among certain of the Company’s directors, officers, key executives and 
shareholders, including Hemen, our largest shareholder; 
the risks associated with the purchase of second-hand vessels; 
the aging of the Company’s fleet which could result in increased operating costs, impairment or loss of hire; 

ii

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the adequacy of insurance coverage for inherent operational risks, and its ability to obtain indemnities from customers, 
changes in laws, treaties or regulations;
changes in supply and generally the number, size and form of providers of goods and services in the markets in which 
the Company operates;
changes  in  demand  in  the  markets  in  which  the  Company  operates,  including  shifts  in  consumer  demand  from  oil 
towards other energy sources or changes to trade patterns for refined oil products;
changes in market demand in countries which import commodities and finished goods and changes in the amount and 
location of the production of those commodities and finished goods;
technological innovation in the sectors in which we operate and quality and efficiency requirements from customers;
governmental  laws  and  regulations,  including  environmental  regulations,  that  add  to  our  costs  or  the  costs  of  our 
customers; 
potential liability from safety, environmental, governmental and other requirements and potential significant additional 
expenditures related to complying with such regulations; 
increasing  scrutiny  and  changing  expectations  with  respect  to  the  Company’s  Environmental,  Social  and  Governance 
policies; 
increased inspection procedures and more restrictive import and export controls;
the imposition of sanctions by the Office of Foreign Assets Control of the Department of the U.S. Treasury or pursuant 
to  other  applicable  laws  or  regulations  imposed  by  the  U.S.  government,  the  EU,  the  United  Nations  or  other 
governments against the Company or any of its subsidiaries;
compliance  with  governmental,  tax,  environmental  and  safety  regulation,  any  non-compliance  with  the  U.S.  Foreign 
Corrupt Practices Act of 1977 (FCPA) or other applicable regulations relating to bribery;
changes in the Company’s operating expenses, including bunker prices, drydocking and insurance costs;
the  impact  of  the  discontinuance  of  LIBOR  after  2021  on  any  of  the  Company’s  debt  that  references  LIBOR  in  the 
interest rate;
the volatility of prevailing spot market charter rates, which effects the amount of profit sharing payment the Company 
receives under charters with Frontline Shipping and the Golden Ocean Charter and other charters; 
the volatility of the price of the Company’s common shares; 
changes in the Company’s dividend policy; 
the future sale of the Company’s common shares or conversion of the Company’s convertible notes; 
the  failure  to  protect  the  Company’s  information  systems  against  security  breaches,  or  the  failure  or  unavailability  of 
these systems for a significant period of time; 
the entrance into transactions that expose the Company to additional risk outside of its core business; 
difficulty managing planned growth properly; 
the Company’s incorporation under the laws of Bermuda and the different rights to relief that may be available compared 
to other countries, including the United States;
shareholders’ reliance on the Company to enforce the Company’s rights against contract counterparties; 
dependence  on  the  ability  of  the  Company’s  subsidiaries  to  distribute  funds  to  satisfy  financial  obligations  and  make 
dividend payments; 
the potential for shareholders to not be able to bring a suit against the Company or enforce a judgement obtained against 
the Company in the United States; 
treatment of the Company as a “passive foreign investment company” by U.S. tax authorities; 
being required to pay taxes on U.S. source income; 
the Company’s operations being subject to economic substance requirements; 
the exercise of a purchase option by the charterer of a vessel or drilling unit; 
the  impact  of  any  restructuring  of  the  counterparties  with  whom  the  Company  deals,  including  the  bankruptcy 
proceedings relating to Seadrill and certain of its subsidiaries and timely delivery of vessels or rigs under construction 
within the contracted price;
potential liability from pending or future litigation;

iii

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the withdrawal of the U.K. from the European Union and the potential negative effect on global economic conditions and 
financial markets; 
the  length  and  severity  of  the  recent  coronavirus  outbreak  (COVID-19)  and  governmental  responses  thereto  and  the 
impact on the demand for commercial seaborne transportation and the condition to the financial markets;
potential  disruption  of  shipping  routes  due  to  accidents,  political  instability,  terrorist  attacks,  piracy  or  international 
hostilities; 
the arresting or attachment of one or more of the Company’s vessels or rigs by maritime claimants; 
potential requisition of the Company’s vessels or rigs by a government during a period of war or emergency; and

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▪ world events, political instability terrorist attacks, piracy or international hostilities.

This report may contain assumptions, expectations, projections, intentions and beliefs about future events. These statements are 
intended as forward-looking statements. The Company may also from time to time make forward-looking statements in other 
documents and reports that are filed with or submitted to the Commission, in other information sent to the Company’s security 
holders, and in other written materials. The Company also cautions that assumptions, expectations, projections, intentions and 
beliefs  about  future  events  may  and  often  do  vary  from  actual  results  and  the  differences  can  be  material.    The  Company 
undertakes no obligation to publicly update or revise any forward-looking statement contained in this report, whether as a result 
of new information, future events or otherwise, except as required by law.

iv

ITEM 1. 

IDENTITY OF DIRECTORS, SENIOR MANAGEMENT AND ADVISERS

Not Applicable.

PART I

ITEM 2.  OFFER STATISTICS AND EXPECTED TIMETABLE

Not Applicable.

ITEM 3.  KEY INFORMATION

On September 13, 2019, the name of the Company was changed to SFL Corporation Ltd. (formerly Ship Finance International 
Limited).  Throughout  this  report,  the  "Company",  "SFL  ",  "we",  "us"  and  "our"  all  refer  to  SFL  Corporation  Ltd.  and  its 
subsidiaries. We use the term deadweight ton, or dwt, in describing the size of the vessels. Dwt, expressed in metric tons, each 
of which is equivalent to 1,000 kilograms, refers to the maximum weight of cargo and supplies that a vessel can carry. We use 
the term twenty-foot equivalent units, or TEU, in describing container vessels to refer to the number of standard twenty-foot 
containers that the vessel can carry, and we use the term car equivalent units, or CEU, in describing car carriers to refer to the 
number of standard cars that the vessel can carry. Unless otherwise indicated, all references to "USD," "US$" and "$" in this 
report are to, and amounts are presented in, U.S. dollars.

A. SELECTED FINANCIAL DATA

Our selected income statement and cash flow statement data with respect to the fiscal years ended December 31, 2020, 2019 
and 2018 and our selected balance sheet data with respect to the fiscal years ended December 31, 2020 and 2019 have been 
derived  from  our  consolidated  financial  statements  included  in  Item  18  of  this  annual  report,  prepared  in  accordance  with 
accounting principles generally accepted in the United States, which we refer to as US GAAP.

The selected income statement and cash flow statement data for the fiscal years ended December 31, 2017 and 2016 and the 
selected  balance  sheet  data  for  the  fiscal  years  ended  December  31,  2018,  2017  and  2016  have  been  derived  from  our 
consolidated  financial  statements  not  included  herein.  The  following  table  should  be  read  in  conjunction  with  Item  5. 
"Operating and Financial Review and Prospects" and our consolidated financial statements and the notes to those statements 
included herein.

Income Statement Data:
Total operating revenues
Net operating (loss)/income
Net (loss)/income
Earnings (loss) per share, basic
Earnings (loss) per share, diluted
Dividends declared
Dividends declared per share

2020

Year Ended December 31,
2019

2018

2017

2016

(in thousands of dollars except common share and per share data)

471,047 
(138,174)   
(224,425)   
(2.06)  $ 
(2.06)  $ 

458,849 
137,777 
89,177 

418,712 
117,615 
73,622 

380,878 
154,626 
101,209 

0.83  $ 
0.83  $ 

0.70  $ 
0.69  $ 

1.06  $ 
1.03  $ 

109,394 

150,659 

149,261 

152,907 

1.00  $ 

1.40  $ 

1.40  $ 

1.60  $ 

$ 
$ 

$ 

412,951 
168,089 
146,406 
1.57 
1.50 
168,289 
1.80 

1

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Year Ended December 31,

2020

2019

2018

2017

2016

(in thousands of dollars except common share and per share data)

Balance Sheet Data (at end of period):

Cash and cash equivalents

215,445 

199,521 

211,394 

153,052 

62,382 

Vessels and equipment, net (including 
newbuildings)

1,240,698 

1,404,705 

1,559,712 

  1,762,596 

1,770,616 

Vessels and equipment under finance lease, net

697,380 

714,476 

749,889 

— 

— 

Investment in direct financing, sales-type and 
leaseback assets including current portion

Investment in associated companies (including 
loans and receivables)

Total assets

Short and long term debt (including current 
portion)

Finance lease liability (including current portion)

Share capital

Stockholders' equity

677,543 

994,387 

802,159 

618,071 

556,035 

151,207 

368,222 

366,907 

328,505 

330,877 

3,093,211 

3,885,370 

3,877,845 

  3,012,082 

2,937,377 

1,649,069 

573,087 

1,278 

1,608,088 

1,106,427 

1,194 

1,437,080 

  1,504,007 

1,552,874 

1,172,051 

239,607 

1,194 

1,109 

122,403 

1,015 

795,651 

1,106,369 

1,180,032 

  1,194,997 

1,134,095 

Common shares outstanding (1)

  127,810,064 

  119,391,310 

  119,373,064 

 110,930,873 

  101,504,575 

Weighted average common shares outstanding (1)

  108,971,605 

  107,613,610 

  105,897,798 

  95,596,644 

93,496,744 

Cash Flow Data:

Cash provided by operating activities

Cash provided by (used in) investing activities

276,475 

176,339 

249,707 

200,975 

(169,881) 

(866,564) 

177,796 

48,362 

230,073 

39,399 

Cash provided by (used in) financing activities

(431,432)   

(89,204) 

724,931 

(135,488) 

(277,265) 

Note 1: The number of common shares outstanding at December 31, 2020 and 2019 includes 8,000,000 shares issued as part of a share lending arrangement 
relating  to  the  issue  in  October  2016  of  our  5.75%  senior  unsecured  convertible  bonds  and  3,765,842  shares  issued  as  of  December  31,  2020  from  up  to 
7,000,000 shares issuable under a share lending arrangement relating to the Company's issuance of its 4.875% senior unsecured convertible bonds in April and 
May  2018.  These  shares  are  owned  by  the  Company  and  will  be  returned  on  or  before  maturity  of  the  bonds  in  2021  and  2023.  Accordingly,  they  are  not 
included in the weighted average number of common shares outstanding at December 31, 2020 and 2019.

B. CAPITALIZATION AND INDEBTEDNESS

Not Applicable.

C. REASONS FOR THE OFFER AND USE OF PROCEEDS

Not Applicable.

D. RISK FACTORS

Our assets are primarily engaged in transporting crude oil and oil products, dry bulk and containerized cargoes, and in offshore 
drilling and related activities. The risk factors summarized in the Cautionary Statement Regarding Forward Looking Statements 
and  Summary  of  Risk  Factors  and  detailed  below,  summarize  the  risks  that  may  materially  affect  our  business,  financial 
condition or results of operations. Unless otherwise indicated in this annual report on Form 20-F, all information concerning our 
business and our assets is as of March 22, 2021.

2

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Our  principal  risks  that  could  adversely  affect,  or  have  adversely  affected,  the  Company’s  business,  operation  results  and 
financial conditions are categorized and detailed below.

Risk Factors

– Risk Relating to Our Industry

Our  assets  operate  within  a  variety  of  markets  that  are  volatile  and  unpredictable.  Several  risk  factors  including  but  not 
limited  to  global  and  local  market  presence  will  impact  our  widespread  operations.  We  are  exposed  to  regulatory,  statutory, 
operational,  technical,  counterpart,  environmental,  and  political  risks,  developments  and  regulations  that  may  impact  and  or 
disrupt our business. Details of specific risks relating to our industry are described below.

– Risks Relating to our Company

Our Company is subject to significant number of external and internal risk factors. As an entity incorporated and present in 
several  jurisdictions,  markets,  industries,  with  employees,  shareholders,  customers  and  other  stakeholders  we  have  several 
activities, operations and actions that may generally harm our company, financial performance, position and ability to maintain. 
Details of specific risks relating to our Company are described below.

– Risk Relating to our Common Shares

Our Common Shares are subject to a significant number of external and internal risk factors. As a holding company, we 
depend  on  the  ability  of  our  subsidiaries  to  distribute  funds  to  satisfy  our  financial  and  other  obligations.  As  a  foreign 
corporation, shareholders may not have the same rights as a shareholder in a U.S. corporation may have. With offices and the 
majority  of  our  assets  located  outside  the  U.S.  certain  shareholders  may  not  be  able  to  bring  suit  against  us,  or  enforce  a 
judgement  obtained  against  us  in  the  U.S.  The  market  price  of  our  common  shares  may  be  unpredictable  and  volatile, 
furthermore sales of our common shares or conversion of our convertible notes could cause the market price of our common 
shares to decline. Details of specific risks relating to our common shares are described below.

Some risk factors are static while other risk factors will change and vary depending on global and corporate developments that 
may occur now or in the future. The list below identifies risks relates to our industry, Company and common shares. These risks 
may not cover all and future risk factors applicable.

Risks Relating to Our Industry

The  seaborne  transportation  industry  is  cyclical  and  volatile,  and  this  may  lead  to  reductions  in  our  charter  rates,  vessel 
values and results of operations.

The international seaborne transportation industry is both cyclical and volatile in terms of charter rates and profitability. The 
degree of charter rate volatility for vessels has varied widely.  Fluctuations in charter rates result from changes in the supply and 
demand  for  vessel  capacity  and  changes  in  the  supply  and  demand  for  energy  resources,  commodities,  semi-finished  and 
finished consumer and industrial products internationally carried at sea. If we enter into a charter when charterhire rates are low, 
our  revenues  and  earnings  will  be  adversely  affected.  In  addition,  a  decline  in  charterhire  rates  is  likely  to  cause  the  market 
value of our vessels to decline. We cannot assure you that we will be able to successfully charter our vessels in the future or 
renew  our  existing  charters  at  rates  sufficient  to  allow  us  to  operate  our  business  profitably,  meet  our  obligations  or  pay 
dividends  to  our  shareholders.  The  factors  affecting  the  supply  and  demand  for  vessels  are  outside  of  our  control,  and  the 
nature, timing and degree of changes in industry conditions are unpredictable.

Factors that influence demand for vessel capacity include:

•
•

•

supply and demand for energy resources, commodities, semi-finished and finished consumer and industrial products;
changes in the exploration for and production of energy resources, commodities, semi-finished and finished consumer 
and industrial products;
the location of regional and global production and manufacturing facilities;

3

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the  location  of  consuming  regions  for  energy  resources,  commodities,  semi-finished  and  finished  consumer  and 
industrial products;
the globalization of production and manufacturing;
global  and  regional  economic  and  political  conditions,  including  armed  conflicts,  terrorist  activities,  embargoes, 
strikes, tariffs and “trade wars”; 
economic slowdowns caused by public health events such as the ongoing COVID-19 pandemic;
developments in international trade;
regional availability of refining capacity and inventories;
changes in the production levels of crude oil (including in particular production by OPEC, the United States and other 
key producers);
changes in seaborne and other transportation patterns, including the distance cargo is transported by sea, changes in the 
price of crude oil and changes to the West Texas Intermediate and Brent Crude Oil pricing benchmarks, and changes 
in trade patterns;
•
environmental and other regulatory developments;
•
government subsidies of shipbuilding;
•
construction or expansion of new or existing pipelines or railways;
•
currency exchange rates; and
• weather and natural disasters.

•

Factors that influence the supply of vessel capacity include:

•
•
•
•
•
•

•
•

•
•
•
•
•

the number and size of newbuildings delivered;
the scrap recycling rate of older vessels;
the price of steel and vessel equipment;
changes in environmental and other regulations that may limit the useful lives of vessels;
vessel casualties;
the number of vessels that are out of service, namely those that are laid-up, dry-docked, awaiting repairs or otherwise 
not available for hire;
availability of financing for vessels;
changes  in  national  or  international  regulations  that  may  effectively  cause  reductions  in  the  carrying  capacity  of 
vessels or early obsolescence of tonnage;
changes in environmental and other regulations that may limit the useful lives of vessels;
the number of vessels used as storage units;
port and/or canal congestion, and weather delays;
sanctions (in particular sanctions on Iran and Venezuela, amongst others); and
technological developments.

Demand for our vessels and charter rates are dependent upon, among other things, seasonal and regional changes in demand 
and changes to the capacity of the world fleet. We believe the capacity of the world fleet is likely to increase, and there can be 
no assurance that global economic growth will be at a rate sufficient to utilize this new capacity. Continued adverse economic, 
political or social conditions or other developments could further negatively impact charter rates, and therefore have a material 
adverse effect on our business, results of operations and ability to pay dividends. In addition, the introduction as of January 1, 
2020 of a global sulfur cap on fuels has increased fuel costs and may lead to a two-tiered market, by reducing the demand for 
vessels that are not equipped with exhaust gas scrubbers or that have a high specific fuel consumption.

4

 
An over-supply of vessel capacity may lead to reductions in charter hire rates and profitability.

The  supply  of  vessels  generally  increases  with  deliveries  of  new  vessels  and  decreases  with  the  recycling  of  older  vessels, 
conversion  of  vessels  to  other  uses,  such  as  floating  production  and  storage  facilities,  and  loss  of  tonnage  as  a  result  of 
casualties. An over-supply of vessel capacity, combined with a decline in the demand for such vessels, may result in a reduction 
of  charter  hire  rates.  Upon  the  expiration  or  termination  of  our  vessels’  current  charters,  if  we  are  unable  to  re-charter  our 
vessels at rates sufficient to allow us to operate our vessels profitably or at all, it would have a material adverse effect on our 
revenues and profitability.

The  current  state  of  the  global  financial  markets  and  current  economic  conditions  may  adversely  impact  our  results  of 
operation, financial condition, cash flows and ability to obtain financing or refinance our existing and future credit facilities 
on acceptable terms, which may negatively impact our business.

Global financial markets and economic conditions have been, and continue to be, volatile. Beginning in February 2020, due in 
part  to  fears  associated  with  the  spread  of  COVID-19  (as  more  fully  described  below),  global  financial  markets  experienced 
volatility and a steep and abrupt downturn followed by a recovery, which volatility may continue as the COVID-19 pandemic 
continues.  Credit  markets  and  the  debt  and  equity  capital  markets  have  been  distressed  and  the  uncertainty  surrounding  the 
future  of  the  global  credit  markets  has  resulted  in  reduced  access  to  credit  worldwide,  particularly  for  the  shipping  industry. 
These  issues,  along  with  significant  write-offs  in  the  financial  services  sector,  the  re-pricing  of  credit  risk  and  the  uncertain 
economic  conditions,  have  made,  and  may  continue  to  make,  it  difficult  to  obtain  additional  financing.  The  current  state  of 
global financial markets and current economic conditions might adversely impact our ability to issue additional equity at prices 
that will not be dilutive to our existing shareholders or preclude us from issuing equity at all. Economic conditions may also 
adversely affect the market price of our common shares.

Also, as a result of concerns about the stability of financial markets generally, and the solvency of counterparties specifically, 
the availability and cost of obtaining money from the public and private equity and debt markets has become more difficult. 
Many  lenders  have  increased  interest  rates,  enacted  tighter  lending  standards,  refused  to  refinance  existing  debt  at  all  or  on 
terms  similar  to  current  debt,  and  reduced,  and  in  some  cases  ceased,  to  provide  funding  to  borrowers  and  other  market 
participants, including equity and debt investors, and some have been unwilling to invest on attractive terms or even at all. Due 
to these factors, we cannot be certain that financing will be available if needed and to the extent required, or that we will be able 
to refinance our existing and future credit facilities, on acceptable terms or at all. If financing or refinancing is not available 
when needed, or is available only on unfavorable terms, we may be unable to meet our obligations as they come due or we may 
be  unable  to  enhance  our  existing  business,  complete  additional  vessel  acquisitions  or  otherwise  take  advantage  of  business 
opportunities as they arise.

As of December 31, 2020, we had total outstanding indebtedness of $1.8 billion under our various credit facilities and bond 
loans, including our equity-accounted subsidiaries and a further $0.6 billion of finance lease obligations. In addition we had a 
further $0.2 billion of finance lease obligations in our associated companies.

If economic conditions throughout the world deteriorate or become more volatile, it could impede our operations.

The world economy faces a number of challenges, including the effects of volatile oil prices, trade tensions between the United 
States and China and between the United States and the European Union continuing turmoil and hostilities in the Middle East, 
the  Korean  Peninsula,  North  Africa,  Venezuela,  Iran  and  other  geographic  areas  and  countries,  continuing  threat  of  terrorist 
attacks  around  the  world,  continuing  instability  and  conflicts  and  other  recent  occurrences  in  the  Middle  East  and  in  other 
geographic areas and countries, continuing economic weakness in the European Union, or the E.U., and stabilizing growth in 
China, as well as rapidly growing public health concerns stemming from the ongoing COVID-19 pandemic. If U.S and world 
economic conditions weaken, the demand for energy, including oil and gas may be negatively affected.

Our  ability  to  secure  funding  is  dependent  on  well-functioning  capital  markets  and  on  an  appetite  to  provide  funding  to  the 
shipping  industry.  If  global  economic  conditions  continue  to  worsen,  or  if  capital  markets  related  financing  is  rendered  less 
accessible or made unavailable to the shipping industry or if lenders for any reason decide not to provide debt financing to us, 
we may, among other things not be able to secure additional financing to the extent required, on acceptable terms or at all. If 
additional  financing  is  not  available  when  needed,  or  is  available  only  on  unfavorable  terms,  we  may  be  unable  to  meet  our 
obligations as they come due, or we may be unable to enhance our existing business, complete additional vessel acquisitions or 
otherwise take advantage of business opportunities as they arise.

5

Credit markets in the United States and Europe have in the past experienced significant contraction, de-leveraging and reduced 
liquidity,  and  there  is  a  risk  that  the  U.S.  federal  government  and  state  governments  and  European  authorities  continue  to 
implement a broad variety of governmental action and/or new regulation of the financial markets. Global financial markets and 
economic  conditions  have  been,  and  continue  to  be,  disrupted  and  volatile.  We  face  risks  attendant  to  changes  in  economic 
environments,  changes  in  interest  rates,  and  instability  in  the  banking  and  securities  markets  around  the  world,  among  other 
factors. Major market disruptions may adversely affect our business or impair our ability to borrow amounts under our credit 
facilities or any future financial arrangements. In the absence of available financing, we also may be unable to take advantage 
of business opportunities or respond to competitive pressures. 

We  face  risks  attendant  to  changes  in  economic  environments,  changes  in  interest  rates,  and  instability  in  the  banking  and 
securities markets around the world, among other factors. We cannot predict how long the current market conditions will last. 
However,  these  recent  and  developing  economic  and  governmental  factors,  may  have  negative  effects  on  charter  rates  and 
vessel values, which could in turn have a material adverse effect on our results of operations and financial condition and may 
cause the price of our ordinary shares to decline.

In  Europe,  large  sovereign  debts  and  fiscal  deficits,  low  growth  prospects  and  high  unemployment  rates  in  a  number  of 
countries have contributed to the rise of Eurosceptic parties, which would like their countries to leave the Euro. The exit of the 
United  Kingdom,  or  the  U.K.,  from  the  European  Union,  or  the  EU,  as  described  more  fully  below  and  potential  new  trade 
policies in the United States further increase the risk of additional trade protectionism.

In China, a transformation of the Chinese economy is underway, as China moves from a production-driven economy towards a 
service or consumer-driven economy. The Chinese economic transition implies that we do not expect the Chinese economy to 
return to double digit GDP growth rates in the near term. The quarterly year-over-year growth rate of China’s GDP decreased to 
2.3% for the year ending December 31, 2020 as compared to 6.0% for the year ending December 31, 2019 and continues to 
remain below pre-2008 levels. Furthermore, there is a rising threat of a Chinese financial crisis resulting from massive personal 
and  corporate  indebtedness  and  “trade  wars.”  The  International  Monetary  Fund  has  warned  that  continuing  trade  tensions, 
including significant tariff increases, between the United States and China, are expected to result in a cumulative reduction in 
global  GDP.  Additionally,  following  the  emergence  of  COVID-19,  industrial  activity  in  China  came  to  a  quick  halt  in  early 
2020.  The  outbreak  of  COVID-19  was  a  negative  development  for  the  Chinese  economy  and  has  led  to  an  economic 
contraction. We can provide no assurances on whether the Chinese economy will continue to contract or expand in the future. 

While the recent developments in Europe and China have been without significant immediate impact on our charter rates, an 
extended period of deterioration in the world economy could reduce the overall demand for our services. Such changes could 
adversely affect our future performance, results of operations, cash flows and financial position.

Further, governments may turn to trade barriers to protect their domestic industries against foreign imports, thereby depressing 
shipping demand. In particular, leaders in the United States have indicated that the United States may seek to implement more 
protective trade measures. The results of the 2020 presidential election in the United States have created significant uncertainty 
about  the  future  relationship  between  the  United  States,  China  and  other  exporting  countries,  including  with  respect  to  trade 
policies, treaties, government regulations and tariffs. For example, in March 2018, former President Trump announced tariffs 
on imported steel and aluminum into the United States that could have a negative impact on international trade generally and in 
January 2019, the United States announced sanctions against Venezuela, which may have an effect on its oil output and in turn 
affect global oil supply. However, it is not yet clear how the United States administration under President Biden may deviate 
from  the  former  administration’s  protectionist  foreign  trade  policies.  Protectionist  developments,  or  the  perception  that  they 
may  occur,  may  have  a  material  adverse  effect  on  global  economic  conditions,  and  may  significantly  reduce  global  trade. 
Moreover, increasing trade protectionism may cause an increase in (a) the cost of goods exported from regions globally, (b) the 
length of time required to transport goods and (c) the risks associated with exporting goods. Such increases may significantly 
affect the quantity of goods to be shipped, shipping time schedules, voyage costs and other associated costs, which could have 
an  adverse  impact  on  the  shipping  industry,  and  therefore,  our  charterers  and  their  business,  operating  results  and  financial 
condition and could thereby affect their ability to make timely charter hire payments to us and to renew and increase the number 
of  their  time  charters  with  us.  This  could  have  a  material  adverse  effect  on  our  business,  results  of  operations,  financial 
condition and our ability to pay any cash distributions to our shareholders.

Prospective investors should consider the potential impact, uncertainty and risk associated with the development in the wider 
global economy. Further economic downturn in any of these countries could have a material effect on our future performance, 
results of operations, cash flows and financial position.

6

The  U.K.’s  withdrawal  from  the  European  Union  may  have  a  negative  effect  on  global  economic  conditions,  financial 
markets and our business.

On June 23, 2016, in a referendum vote commonly referred to as “Brexit,” a majority of voters in the U.K. voted to exit the 
European Union. Since then, the U.K. and the EU have negotiated the terms of a withdrawal agreement, which was approved in 
October  2019  and  ratified  in  January  2020.  The  U.K.  formally  exited  the  European  Union  on  January  31,  2020,  although  a 
transition period remained in place until December 2020 during which the U.K. was subject to the rules and regulations of the 
EU  while  continuing  to  negotiate  the  parties’  relationship  going  forward,  including  trade  deals.  It  is  unclear  what  long-term 
economic,  financial,  trade  and  legal  implications  the  withdrawal  of  the  U.K.  from  the  European  Union  would  have  and  how 
such withdrawal would affect our business. In addition, Brexit may lead other European Union member countries to consider 
referendums  regarding  their  European  Union  membership.  Any  of  these  events,  along  with  any  political,  economic  and 
regulatory changes that may occur, could cause political and economic uncertainty and harm our business and financial results.

Brexit contributes to considerable uncertainty concerning the current and future economic environment. Brexit could adversely 
affect European or worldwide political, regulatory, economic or market conditions and could contribute to instability in global 
political institutions, regulatory agencies and financial markets.

Safety, environmental and other governmental and other requirements expose us to liability, and compliance with current 
and future regulations could require significant additional expenditures, which could have a material adverse effect on our 
business and financial results.

Our  operations  are  affected  by  extensive  and  changing  international,  national,  state  and  local  laws,  regulations,  treaties, 
conventions and standards in force in international waters, the jurisdictions in which our tankers and other vessels operate, and 
the  country  or  countries  in  which  such  vessels  are  registered,  including  those  governing  the  management  and  disposal  of 
hazardous  substances  and  wastes,  the  cleanup  of  oil  spills  and  other  contamination,  air  emissions,  and  water  discharges  and 
ballast and bilge water management. These regulations include, but are not limited to, the U.S. Oil Pollution Act of 1990, or 
OPA, requirements of the U.S. Coast Guard, or the USCG, and the U.S. Environmental Protection Agency, or EPA, the U.S. 
Comprehensive Environmental Response, Compensation and Liability Act of 1980, or CERCLA, the U.S. Clean Water Act, the 
U.S.  Maritime  Transportation  Security  Act  of  2002,  and  regulations  of  the  International  Maritime  Organization,  or  IMO, 
including the International Convention for the Safety of Life at Sea of 1974, or SOLAS, the International Convention for the 
Prevention of Pollution from Ships of 1973, or MARPOL, including the designation thereunder of Emission Control Areas, or 
ECAs,  the  International  Convention  on  Civil  Liability  for  Oil  Pollution  Damage  of  1969,  or  CLC,  and  the  International 
Convention  on  Load  Lines  of  1966.  In  particular,  IMO’s  Marine  Environmental  Protection  Committee  ("MEPC")  73, 
amendments to Annex VI to prohibit the carriage of bunkers above 0.5% sulfur on ships took effect March 1, 2020 may cause 
us to incur substantial costs. Compliance with these regulations could have a material adverse effect our business and financial 
results.

In addition, vessel classification societies and the requirements set forth in the IMO’s International Management Code for the 
Safe Operation of Ships and for Pollution Prevention, or the ISM Code, also impose significant safety and other requirements 
on our vessels. In complying with current and future environmental requirements, vessel owners and operators may also incur 
significant additional costs in meeting new maintenance and inspection requirements, in developing contingency arrangements 
for potential spills and in obtaining insurance coverage. Government regulation of vessels, particularly in the areas of safety and 
environmental  requirements,  can  be  expected  to  become  stricter  in  the  future  and  require  us  to  incur  significant  capital 
expenditures on our vessels to keep them in compliance, or even to recycle or sell certain vessels altogether.

Many  of  these  requirements  are  designed  to  reduce  the  risk  of  oil  spills  and  other  pollution,  and  our  compliance  with  these 
requirements can be costly. These requirements can also affect the resale value or useful lives of our vessels, require reductions 
in cargo capacity, ship modifications or operational changes or restrictions, lead to decreased availability of insurance coverage 
for environmental matters or result in the denial of access to certain jurisdictional waters or ports, or detention in certain ports.

7

Under  local,  national  and  foreign  laws,  as  well  as  international  treaties  and  conventions,  we  could  incur  material  liabilities, 
including cleanup obligations, natural resource damages and third-party claims for personal injury or property damages, in the 
event that there is a release of petroleum or other hazardous substances from our vessels or otherwise in connection with our 
current or historic operations. We could also incur substantial penalties, fines and other civil or criminal sanctions, including in 
certain  instances  seizure  or  detention  of  our  vessels,  as  a  result  of  violations  of  or  liabilities  under  environmental  laws, 
regulations and other requirements. Environmental laws often impose strict liability for remediation of spills and releases of oil 
and  hazardous  substances,  which  could  subject  us  to  liability  without  regard  to  whether  we  were  negligent  or  at  fault.  For 
example, OPA affects all vessel owners shipping oil to, from or within the United States.  Under OPA, owners, operators and 
bareboat charterers are jointly and severally strictly liable for the discharge of oil in U.S. waters, including the 200 nautical mile 
exclusive economic zone around the United States. Similarly, the CLC, which has been adopted by most countries outside of 
the United States, imposes liability for oil pollution in international waters. OPA expressly permits individual states to impose 
their  own  liability  regimes  with  regard  to  hazardous  materials  and  oil  pollution  incidents  occurring  within  their  boundaries, 
provided  they  accept,  at  a  minimum,  the  levels  of  liability  established  under  OPA.  Coastal  states  in  the  United  States  have 
enacted  pollution  prevention  liability  and  response  laws,  many  providing  for  unlimited  liability.  Furthermore,  the  2010 
explosion of the drilling rig Deepwater Horizon, which is unrelated to SFL, and the subsequent release of oil into the Gulf of 
Mexico, or other events, has resulted in increased, and may result in further, regulation of the shipping and offshore industries 
and modifications to statutory liability schemes, which could have a material adverse effect on our business, financial condition, 
results  of  operations  and  cash  flows.  An  oil  spill  could  also  result  in  significant  liability,  including  fines,  penalties,  criminal 
liability and remediation costs for natural resource damages under other international and U.S. federal, state and local laws, as 
well as third-party damages, and could harm our reputation with current or potential charterers of our vessels. We are required 
to satisfy insurance and financial responsibility requirements for potential oil (including marine fuel) spills and other pollution 
incidents.  Although  we  have  arranged  insurance  to  cover  certain  environmental  risks,  there  can  be  no  assurance  that  such 
insurance will be sufficient to cover all such risks or that any claims will not have a material adverse effect on our business, 
results of operations, cash flows and financial condition and available cash.

The  IMO  2020  regulations  may  cause  us  to  incur  substantial  costs  and  to  procure  low-sulfur  fuel  oil  directly  on  the 
wholesale market for storage at sea and onward consumption on our vessels.

Effective January 1, 2020, the IMO implemented a new regulation for a 0.50% global sulfur cap on emissions from vessels (the 
“IMO 2020 Regulations”). Under this new global cap, vessels are required to use marine fuels with a sulfur content of no more 
than 0.50% against the former regulations specifying a maximum of 3.50% sulfur in an effort to reduce the emission of sulfur 
oxide into the atmosphere.

We have incurred increased costs to comply with these revised standards. Additional or new conventions, laws and regulations 
may be adopted that could require, among others, the installation of expensive emission control systems and could adversely 
affect our business, results of operations, cash flows and financial condition.

We continue to work closely with suppliers and producers on alternative mechanisms, including the physical procurement of 
low sulfur fuel oil directly on the wholesale market and storage thereof at sea on a vessel owned by us, with a view to secure 
availability of qualitative compliant fuel oil and to capture volatility in prices between high sulfur fuel oil and low sulfur fuel 
oil. The procurement of large quantities of low sulfur fuel oil implies a commodity price risk upon fluctuations in the prices of 
the procured commodity between the time of the purchase and the consumption. While we may implement financial strategies 
with a view to limiting the risk, we cannot give any assurances that such strategies will be successful in which case we could 
sustain significant losses which could have a material adverse effect on our business, financial condition, results of operation 
and cash flows. The storage and onward consumption on our vessels of the procured commodity requires us to blend, co-mingle 
or otherwise combine, handle or manipulate such commodities which implies certain operational risks that may result in loss of 
or damage to the procured commodities or to the vessels and their machinery.

As at March 22, 2021, 26 of our owned or leased vessels and four vessels that are included in our associated companies are 
equipped with exhaust gas cleaning systems ("EGCS" or "scrubbers"). As of January 1, 2020 we have transitioned to burning 
IMO  compliant  fuels  where  scrubbers  have  not  been  installed.  We  continue  to  evaluate  different  options  in  complying  with 
IMO and other rules and regulations. Our fuel costs and fuel inventories increased in 2020 as a result of these sulfur emission 
regulations. Low sulfur fuel is more expensive than standard marine fuel containing 3.5% sulfur content and may become more 
expensive or difficult to obtain as a result of increased demand. If the cost differential between low sulfur fuel and high sulfur 
fuel is significantly higher than anticipated, or if low sulfur fuel is not available at ports on certain trading routes, it may not be 
feasible or competitive to operate our vessels on certain trading routes without installing EGCSs or without incurring deviation 
time to obtain compliant fuel. Scrubbers may not be available to be installed on such vessels at a favorable cost or at all if we 
seek them at a later date.

8

Furthermore, although as of March 22, 2021, one year and three months have passed since the IMO 2020 Regulations became 
effective, it is uncertain how the availability of high-sulfur fuel around the world will be affected by implementation of the IMO 
2020 Regulations, and both the price of high-sulfur fuel generally and the difference between the cost of high-sulfur fuel and 
that of low-sulfur fuel are also uncertain. Scarcity in the supply of high-sulfur fuel, or a lower-than-anticipated difference in the 
costs between the two types of fuel, may cause us to fail to recognize anticipated benefits from installing scrubbers.

Fuel  is  a  significant,  if  not  the  largest,  expense  in  our  shipping  operations  when  vessels  are  under  voyage  charter  and  is  an 
important factor in negotiating charter rates. Our operations and the performance of our vessels, and as a result our results of 
operations,  cash  flows  and  financial  position,  may  be  negatively  affected  to  the  extent  that  compliant  sulfur  fuel  oils  are 
unavailable, of low or inconsistent quality, if de-bunkering facilities are unavailable to permit our vessels to accept compliant 
fuels when required, or upon occurrence of any of the other foregoing events. Costs of compliance with these and other related 
regulatory changes may be significant and may have a material adverse effect on our future performance, results of operations, 
cash flows and financial position. As a result, an increase in the price of fuel beyond our expectations may adversely affect our 
profitability at the time of charter negotiation. Further, fuel may become much more expensive in the future, which may reduce 
the profitability and competitiveness of our business versus other forms of transportation, such as truck or rail.

While we carry cargo insurance to protect us against certain risks of loss of or damage to the procured commodities, we may 
not be adequately insured to cover any losses from such operational risks, which could have a material adverse effect on us. 
Any  significant  uninsured  or  under-insured  loss  or  liability  could  have  a  material  adverse  effect  on  our  business,  results  of 
operations, cash flows and financial condition and our available cash.

Developments  in  safety  and  environmental  requirements  relating  to  the  recycling  of  vessels  may  result  in  escalated  and 
unexpected costs.

The 2009 Hong Kong International Convention for the Safe and Environmentally Sound Recycling of Ships, or the Hong Kong 
Convention, aims to ensure ships do not pose any unnecessary risks to the environment, human health and safety while being 
recycled once they reach the end of their operational lives. The Hong Kong Convention has yet to be ratified by the required 
number of countries to enter into force. Upon the Hong Kong Convention's entry into force, each ship sent for recycling will 
have  to  carry  an  inventory  of  its  hazardous  materials.  The  hazardous  materials,  whose  use  or  installation  are  prohibited  in 
certain circumstances, are listed in an appendix to the Hong Kong Convention. Ships will be required to have periodic surveys 
to verify their inventory of hazardous materials initially, throughout their lives and prior to the ship being recycled. 

The  Hong  Kong  Convention,  which  is  currently  open  for  accession  by  IMO  Member  States,  will  enter  into  force  24  months 
after the date on which 15 IMO Member States, representing at least 40% of world merchant shipping by gross tonnage, have 
ratified or approve accession. As of the date of this annual report, 15 countries have ratified or approved accession of the Hong 
Kong Convention, but the requirement of 40% of world merchant shipping by gross tonnage has not yet been satisfied. 

On  November  20,  2013,  the  European  Parliament  and  the  Council  of  the  EU  adopted  the  Ship  Recycling  Regulation,  which 
retains the requirements of the Hong Kong Convention and requires that certain commercial seagoing vessels flying the flag of 
an EU Member State may be recycled only in facilities included on the European list of permitted ship recycling facilities. We 
are  required  to  comply  with  EU  Ship  Recycling  Regulation,  on  vessels  flying  EU  flag  or  being  located  in  EU  waters  when 
decision to recycle is made.

These regulatory developments, when implemented, may lead to cost escalation by shipyards, repair yards and recycling yards. 
This  may  then  result  in  a  decrease  in  the  residual  recycling  value  of  a  vessel,  which  could  potentially  not  cover  the  cost  to 
comply with latest requirements, which may have an adverse effect on our future performance, results of operations, cash flows 
and financial position.

9

Climate change and greenhouse gas restrictions may adversely impact our operations and markets.

Due  to  concern  over  the  risk  of  climate  change,  a  number  of  countries  and  the  IMO  have  adopted,  or  are  considering  the 
adoption of, regulatory frameworks to reduce greenhouse gas emissions. These regulatory measures may include, among others, 
adoption  of  cap  and  trade  regimes,  carbon  taxes,  increased  efficiency  standards  and  incentives  or  mandates  for  renewable 
energy.  More  specifically,  on  October  27,  2016,  the  International  Maritime  Organization’s  Marine  Environment  Protection 
Committee  (“MEPC”)  announced  its  decision  concerning  the  implementation  of  regulations  mandating  a  reduction  in  sulfur 
emissions  from  3.5%  currently  to  0.5%  as  of  the  beginning  of  January  1,  2020.  Additionally,  in  April  2018,  nations  at  the 
MEPC  72  adopted  an  initial  strategy  to  reduce  greenhouse  gas  emissions  from  ships.  The  initial  strategy  identifies  levels  of 
ambition  to  reducing  greenhouse  gas  emissions,  including  (1)  decreasing  the  carbon  intensity  from  ships  through 
implementation of further phases of the EEDI for new ships; (2) reducing carbon dioxide emissions per transport work, as an 
average  across  international  shipping,  by  at  least  40%  by  2030,  pursuing  efforts  towards  70%  by  2050,  compared  to  2008 
emission  levels;  and  (3)  reducing  the  total  annual  greenhouse  emissions  by  at  least  50%  by  2050  compared  to  2008  while 
pursuing efforts towards phasing them out entirely. 

Since January 1, 2020, ships have to either remove sulfur from emissions or buy fuel with low sulfur content, which may lead 
to increased costs and supplementary investments for ship owners. The interpretation of "fuel oil used on board" includes use in 
main  engine,  auxiliary  engines  and  boilers.  Shipowners  may  comply  with  this  regulation  by  (i)  using  0.5%  sulfur  fuels  on 
board, which are available around the world but at a higher cost; (ii) installing scrubbers for cleaning of the exhaust gas; or (iii) 
by  retrofitting  vessels  to  be  powered  by  liquefied  natural  gas,  which  may  not  be  a  viable  option  due  to  the  lack  of  supply 
network and high costs involved in this process. Costs of compliance with these regulatory changes may be significant and may 
have a material adverse effect on our future performance, results of operations, cash flows and financial position.

In  addition,  although  the  emissions  of  greenhouse  gases  from  international  shipping  currently  are  not  subject  to  the  Kyoto 
Protocol  to  the  United  Nations  Framework  Convention  on  Climate  Change,  which  required  adopting  countries  to  implement 
national programs to reduce emissions of certain gases, or the Paris Agreement (discussed further below), a new treaty may be 
adopted  in  the  future  that  includes  restrictions  on  shipping  emissions.  Compliance  with  changes  in  laws,  regulations  and 
obligations relating to climate change could increase our costs related to operating and maintaining our vessels and require us to 
install  new  emission  controls,  acquire  allowances  or  pay  taxes  related  to  our  greenhouse  gas  emissions  or  administer  and 
manage  a  greenhouse  gas  emissions  program.  Revenue  generation  and  strategic  growth  opportunities  may  also  be  adversely 
affected.

Adverse  effects  upon  the  oil  and  gas  industry  relating  to  climate  change,  including  growing  public  concern  about  the 
environmental impact of climate change, may also adversely affect demand for our services. For example, increased regulation 
of greenhouse gases or other concerns relating to climate change may reduce the demand for oil and gas in the future or create 
greater incentives for use of alternative energy sources. In addition, the physical effects of climate change, including changes in 
weather patterns, extreme weather events, rising sea levels, scarcity of water resources, may negatively impact our operations. 
Any  long-term  material  adverse  effect  on  the  oil  and  gas  industry  could  have  a  significant  financial  and  operational  adverse 
impact on our business that we cannot predict with certainty at this time.

Regulations relating to ballast water discharge may adversely affect our revenues and profitability.

The  IMO  has  imposed  updated  guidelines  for  ballast  water  management  systems  specifying  the  maximum  amount  of  viable 
organisms  allowed  to  be  discharged  from  a  vessel’s  ballast  water.  Depending  on  the  date  of  the  International  Oil  Pollution 
Prevention ('IOPP') renewal survey, existing vessels constructed before September 8, 2017 must comply with the updated D-2 
Discharge  Performance  Standard  ('D-2  standard')  on  or  after  September  8,  2019.  For  most  vessels,  compliance  with  the  D-2 
standard will involve installing on-board systems to treat ballast water and eliminate unwanted organisms. Ships constructed on 
or after September 8, 2017 are to comply with the D-2 standards on or after September 8, 2017. We currently have 16 vessels 
scheduled for ballast water treatment systems installation or upgrade and costs of compliance may be substantial and adversely 
affect our revenues and profitability.

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Furthermore,  United  States  regulations  are  currently  changing.  Although  the  2013  Vessel  General  Permit  (“VGP”)  program 
and U.S. National Invasive Species Act (“NISA”) are currently in effect to regulate ballast discharge, exchange and installation, 
the Vessel Incidental Discharge Act (“VIDA”), which was signed into law on December 4, 2018, requires that the EPA develop 
national  standards  of  performance  for  approximately  30  discharges,  similar  to  those  found  in  the  VGP  within  two  years.  On 
October 26, 2020, the EPA published a Notice of Proposed Rulemaking for Vessel Incidental Discharge National Standards of 
Performance  under  VIDA.  By  approximately  2022,  the  U.S.  Coast  Guard  must  develop  corresponding  implementation, 
compliance,  and  enforcement  regulations  regarding  ballast  water.  The  new  regulations  could  require  the  installation  of  new 
equipment, which may cause us to incur substantial costs. 

We currently have 10 vessels that are on fixed price management agreements with Frontline Management (Bermuda) Ltd., or 
Frontline Management, and Golden Ocean Group Management (Bermuda) Ltd, or Golden Ocean Management, which include 
the  cost  of  complying  with  regulations.  We  have  an  additional  31  vessels  and  two  drilling  rigs  (excluding  West  Taurus) 
employed under bareboat charters where the cost of fitting ballast water treatment systems would lie with the charterer, if such 
vessel or rig is still employed under the relevant bareboat charter at the time the regulations become applicable. We also have 
36  vessels  employed  in  the  spot  market  or  under  time  charter  agreements.  These  have  either  already  been  fitted  with  ballast 
water treatment systems or will have them fitted within the required deadlines. The costs of compliance may be substantial and 
could adversely affect our profitability.

A shift in consumer demand from oil towards other energy sources or changes to trade patterns for refined oil products may 
have a material adverse effect on our business.

A significant portion of our earnings are related to the oil industry. A shift in or disruption of the consumer demand from oil 
towards  other  energy  resources  such  as  electricity,  natural  gas,  liquefied  natural  gas  or  hydrogen  will  potentially  affect  the 
demand  for  our  product  tankers.  A  shift  from  the  use  of  internal  combustion  engine  vehicles  to  electric  vehicles  may  also 
reduce the demand for oil. These factors could have a material adverse effect on our future performance, results of operations, 
cash flows and financial position.

Seaborne  trading  and  distribution  patterns  are  primarily  influenced  by  the  relative  advantage  of  the  various  sources  of 
production, locations of consumption, pricing differentials and seasonality. Changes to the trade patterns of refined oil products 
may have a significant negative or positive impact on the ton-mile and therefore the demand for our product tankers. This could 
have a material adverse effect on our future performance, results of operations, cash flows and financial position.

Acts of piracy on ocean-going vessels could adversely affect our business.

Acts of piracy have historically affected ocean-going vessels. At present, most piracy and armed robbery incidents are recurrent 
in the Gulf of Aden region off the coast of Somalia, South China Sea, Sulu Sea and Celebes Sea and in particular the Gulf of 
Guinea region off Nigeria, which experienced increased incidents of piracy in recent years. Sporadic incidents of robbery are 
also  reported  in  many  parts  of  Asia.  The  political  turmoil  in  the  Middle  East  region  may  also  lead  to  collateral  damages  in 
waters off Yemen. The current diplomatic crisis between Gulf Co-operation Council (GCC) countries may lead to an uncertain 
security situation in the Middle East region.

The security arrangements made for ship staff and vessels to counteract the ever-evolving security threat and to comply with 
Best Management Practices (BMP) add to the cost of operations of our ships.

The  "war  risks"  areas  are  established  by  the  Joint  War  Risks  Committee.  Our  vessels  have  to  trade  in  such  areas  due  to  the 
nature  of  our  business.  Due  to  the  above  issues  when  vessels  trade  in  such  areas,  the  insurance  premiums  are  increased 
significantly to cover for the additional risks.

The  above  factors  could  have  a  material  adverse  effect  on  our  future  performance,  results  of  operations,  cash  flows  and 
financial position.

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If our vessels call on ports located in countries or territories that are the subject of sanctions or embargoes imposed by the 
U.S. government, the EU, the United Nations or other governmental authorities, it could lead to monetary fines or penalties 
and adversely affect our reputation and the market for our common shares and their trading price. 

We  have  not  directly  engaged  in  any  shipping  or  drilling  contracts  involving  operations  in  countries  or  territories  or  with 
government-controlled entities, in 2020 in violation of any applicable restrictions, sanctions or embargoes imposed by the U.S. 
government, the EU, the United Nations or other governmental authorities. Our contracts with our charterers may prohibit them 
from causing our vessels to call on ports located in sanctioned countries or territories or carrying cargo for entities that are the 
subject  of  sanctions.  Although  our  customers  who  are  bareboat  charterers  control  the  operation  of  our  vessels,  we  have 
monitoring  processes  in  place  reasonably  designed  to  ensure  our  compliance  with  economic  sanctions  and  embargo  laws. 
Nevertheless it remains possible that our charterers may cause our vessels to trade in violation of sanctions provisions without 
our consent. If such activities result in a violation of applicable sanctions or embargo laws, we could be subject to monetary 
fines, penalties, or other sanctions, and our reputation and the market for our common shares could be adversely affected.

Although  we  believe  that  we  have  been  in  compliance  with  all  applicable  sanctions  and  embargo  laws  and  regulations,  and 
intend to maintain such compliance, there can be no assurance that we or our charterers will be in compliance in the future.  
Sanctions and embargo laws and regulations vary in their application, as they do not all apply to the same covered persons or 
proscribe the same activities, and such sanctions and embargo laws and regulations may be amended or expanded over time.  
Current or future counterparties of ours may be affiliated with persons or entities that are or may be in the future the subject of 
sanctions or embargoes imposed by the governments of the U.S., EU, and/or other international bodies.  If we determine that 
such sanctions require us to terminate existing or future contracts to which we, or our subsidiaries, are party or if we are found 
to be in violation of such applicable sanctions, our results of operations may be adversely affected or we may suffer reputational 
harm.

Any  such  violation  could  result  in  fines,  penalties  or  other  sanctions  that  could  negatively  impact  our  ability  to  access  U.S. 
capital markets and conduct our business, and could result in some investors deciding, or being required, to divest their interest, 
or not to invest, in us. In addition, certain institutional investors may have investment policies or restrictions that prevent them 
from holding securities of companies that have contracts with countries identified by the U.S. government as state sponsors of 
terrorism. The determination by these investors not to invest in, or to divest from, our shares may adversely affect the price at 
which our shares trade. Moreover, our charterers may violate applicable sanctions and embargo laws and regulations as a result 
of actions that do not involve us or our vessels, and those violations could in turn negatively affect our reputation.  Investor 
perception  of  the  value  of  our  common  stock  may  also  be  adversely  affected  by  the  consequences  of  war,  the  effects  of 
terrorism, civil unrest and governmental actions in the countries or territories that we operate in.

In the highly competitive international seaborne transportation industry, we may not be able to compete for charters with 
new  entrants  or  established  companies  with  greater  resources,  and  as  a  result  we  may  be  unable  to  employ  our  vessels 
profitably.

We employ our vessels in a highly competitive market that is capital intensive and highly fragmented, and competition arises 
primarily from other vessel owners. Competition for seaborne transportation of goods and products is intense and depends on 
charter rates and the location, size, age, condition and acceptability of the vessel and its operators to charterers.  Due in part to 
the highly fragmented market, competitors with greater resources could operate larger fleets than we may operate and thus be 
able to offer lower charter rates and higher quality vessels than we are able to offer.  If this were to occur, we may be unable to 
retain or attract new charterers on attractive terms or at all, which may have a material adverse effect on our business, financial 
condition and results of operations. Although we believe that no single competitor has a dominant position in the markets in 
which we compete, we are aware that certain competitors may be able to devote greater financial and other resources to certain 
activities than we can, resulting in a significant competitive threat to us. We cannot give assurances that we will continue to 
compete successfully with our competitors or that these factors will not erode our competitive position in the future.

Increased inspection procedures, tighter import and export controls and new security regulations could increase costs and 
disrupt our business.

International  shipping  is  subject  to  various  security  and  customs  inspection  and  related  procedures  in  countries  of  origin, 
destination and trans-shipment points. Inspection procedures can result in the seizure of the contents of our vessels, delays in 
loading, offloading or delivery, and the levying of customs duties, fines or other penalties against us.

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It is possible that changes to inspection procedures could impose additional financial and legal obligations on us. Changes to 
inspection procedures could also impose additional costs and obligations on our customers and may, in certain cases, render the 
shipment  of  certain  types  of  cargo  uneconomical  or  impractical.  Any  such  changes  or  developments  may  have  a  material 
adverse effect on our business, financial condition and results of operations.

The  offshore  drilling  sector  depends  primarily  on  the  level  of  activity  in  the  offshore  oil  and  gas  industry,  which  is 
significantly affected by, among other things, volatile oil and gas prices, and may be materially and adversely affected by a 
decline in the offshore oil and gas industry.

The offshore contract drilling industry is cyclical and volatile, and depends on the level of activity in oil and gas exploration 
and development and production in offshore areas worldwide. The availability of quality drilling prospects, exploration success, 
relative  production  costs,  the  stage  of  reservoir  development  and  political  and  regulatory  environments  affect  our  customers' 
drilling campaigns. Oil and gas prices, and market expectations of potential changes in these prices, also significantly affect the 
level of activity and demand for drilling units.

Oil and gas prices are extremely volatile and are affected by numerous factors beyond our control, including the following:

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worldwide production and demand for oil and gas;
the cost of exploring for, developing, producing and delivering oil and gas;
expectations regarding future energy prices;
advances in exploration, development and production technology;
the  ability  of  the  Organization  of  Petroleum  Exporting  Countries,  or  OPEC,  to  set  and  maintain  production  levels  and 
pricing;
the level of production in non-OPEC countries;
international sanctions on oil-producing countries or the lifting of such sanctions;
government regulations, including restrictions on offshore transportation of oil and gas;
local and international political, economic and weather conditions;
domestic and foreign tax policies;
the development and implementation of policies to increase the use of renewable energy;
increased supply of oil and gas from onshore hydraulic fracturing and shale development, and the relative costs of offshore 
and onshore production of oil and gas;
worldwide economic and financial problems and any resulting decline in demand for oil and gas and, consequently, our 
services;
the policies of various governments regarding exploration and development of their oil and gas reserves;
accidents, severe weather, natural disasters and other similar incidents relating to the oil and gas industry; and
the  worldwide  military  and  political  environment,  including  uncertainty  or  instability  resulting  from  an  escalation  or 
additional outbreak of armed hostilities, insurrection, or other crises in the Middle East, eastern Europe or other geographic 
areas, or further acts of terrorism in the United States, Europe or elsewhere.

Lower oil and gas prices have negatively affected, and could continue to negatively affect, the offshore drilling sector and have 
resulted, and could continue to result, in reduced exploration and drilling. These reductions in commodity prices have reduced 
the  demand  for  drilling  units.  Continued  weakness  in  oil  and  gas  prices  may  result  in  an  excess  supply  of  drilling  units  and 
intensify competition in the industry, which may result in drilling units, particularly older and lower specification drilling units, 
being idle for long periods of time. We cannot predict the future level of demand for drilling units or future conditions of the oil 
and gas industry.

In addition to oil and gas prices, the offshore drilling industry is influenced by additional factors, including:

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the availability of competing offshore drilling units;
the availability of debt financing on reasonable terms;
the level of costs for associated offshore oilfield and construction services;
oil and gas transportation costs;
the level of rig operating costs, including crew and maintenance;
the discovery of new oil and gas reserves;
the cost of non-conventional hydrocarbons, such as the exploitation of oil sands; and
regulatory restrictions on offshore drilling.

13

Any  of  these  factors  could  reduce  demand  for  our  offshore  drilling  assets  and  adversely  affect  our  business  and  results  of 
operations.

Governmental  laws  and  regulations,  including  taxation,  environmental  laws  and  regulations,  may  add  to  the  costs  of  the 
Seadrill  Charterers  or  other  charterers  of  our  drilling  units,  or  limit  their  drilling  activity,  and  may  adversely  affect  their 
ability to make lease payments to us.

During the year ended December 31, 2020, we leased two of our drilling units to two subsidiaries of Seadrill, namely Seadrill 
Deepwater Charterer Ltd., or Seadrill Deepwater, and Seadrill Offshore AS, or Seadrill Offshore. In addition, we chartered one 
drilling unit to North Atlantic Linus Charterer Ltd., or North Atlantic Linus, which is a subsidiary of North Atlantic Drilling 
Limited, or NADL. Seadrill Deepwater, Seadrill Offshore and North Atlantic Linus are collectively referred to as the Seadrill 
Charterers.

The Seadrill Charterers’ business in the offshore drilling industry is affected by public policy and laws and regulations relating 
to the energy industry and the environment in the geographic areas where they operate.

The offshore drilling industry is dependent on demand for services from the oil and gas exploration and production industry, 
and,  accordingly,  the  Seadrill  Charterers  are  directly  affected  by  the  adoption  of  laws  and  regulations  that,  for  economic, 
environmental or other policy reasons, curtail exploration and development drilling for oil and gas. For example, the current 
U.S.  President  Biden  recently  signed  an  executive  order  blocking  new  leases  for  oil  and  gas  drilling  in  federal  waters.  The 
Seadrill Charterers may be required to make significant capital expenditures to comply with governmental laws and regulations. 
It is also possible that these laws and regulations may in the future add significantly to the Seadrill Charterers’ operating costs 
or significantly limit drilling activity. Governments in some countries are increasingly active in regulating and controlling the 
ownership  of  concessions,  the  exploration  for  oil  and  gas,  and  other  aspects  of  the  oil  and  gas  industries.  In  recent  years, 
increased concern has been raised over protection of the environment. Offshore drilling in certain areas has been opposed by 
environmental groups and has in certain cases been restricted. Further operations in less developed countries can be subject to 
legal systems that are not as mature or predictable as those in more developed countries, which can lead to greater uncertainty 
in legal matters and proceedings.

In certain jurisdictions there are or may be imposed restrictions or limitations on the operation of foreign flag vessels and rigs, 
and these restrictions may prevent us or our charterers from operating our assets as intended. We cannot guarantee that we or 
our charterers will be able to accommodate such restrictions or limitations, nor that we or our charterers can relocate the assets 
to  other  jurisdictions  where  such  restrictions  or  limitations  do  not  apply.  A  violation  of  such  restrictions,  or  expropriation  in 
particular, could result in the total loss of our investments and/or financial loss for our charterers, and we cannot guarantee that 
we have sufficient insurance coverage to compensate for such loss. This may have a material adverse effect on our business and 
financial results.

14

To  the  extent  that  new  laws  are  enacted  or  other  governmental  actions  are  taken  that  prohibit  or  restrict  offshore  drilling  or 
impose additional taxes and environmental protection requirements that result in increased costs to the oil and gas industry in 
general  or  the  offshore  drilling  industry  in  particular,  the  Seadrill  Charterers’  business  or  prospects  could  be  materially 
adversely affected. The operation of our drilling units will require certain governmental approvals, the number and prerequisites 
of which cannot be determined until the Seadrill Charterers identify the jurisdictions in which they will operate upon securing 
contracts for the drilling units. Depending on the jurisdiction, these governmental approvals may involve public hearings and 
costly  undertakings  on  the  part  of  the  Seadrill  Charterers.  The  Seadrill  Charterers  may  not  obtain  such  approvals,  or  such 
approvals may not be obtained in a timely manner. If the Seadrill Charterers fail to secure the necessary approvals or permits in 
a timely manner, their customers may have the right to terminate or seek to renegotiate their drilling services contracts to the 
Seadrill Charterers’ detriment. The amendment or modification of existing laws and regulations, or the adoption of new laws 
and regulations curtailing or further regulating exploratory or development drilling and production of oil and gas, could have a 
material  adverse  effect  on  the  Seadrill  Charterers’  business,  operating  results  or  financial  condition.  Future  earnings  of  the 
Seadrill  Charterers  may  be  negatively  affected  by  compliance  with  any  such  new  legislation  or  regulations.  In  addition,  the 
Seadrill Charterers may become subject to additional laws and regulations as a result of future rig operations or repositioning. 
These factors may adversely affect the ability of the Seadrill Charterers to make lease payments to us. The failure of the Seadrill 
Charterers  to  meet  their  respective  obligations  to  us  under  our  existing  lease  agreements  would  likely  have  material  adverse 
effect on our business, financial condition, results of operations and cash flows, ability to pay dividends to our shareholders and 
compliance with covenants in our credit facilities. Please refer to the Risk Factor below - “The failure of the charterers of our 
drilling rigs to meet their obligations to us under our lease agreements, or material change to the terms of such agreements, 
could have a material adverse effect on our business, financial condition, results of operations and cash flows, ability to pay 
dividends to our shareholders and compliance with covenants in our credit facilities.” for further discussion.

We rely on our information systems to conduct our business, and failure to protect these systems against security breaches 
could adversely affect our business and results of operations. Additionally, if these systems fail or become unavailable for 
any significant period of time, our business could be harmed.

The  efficient  operation  of  our  business  is  dependent  on  computer  hardware  and  software  systems.  Information  systems  are 
vulnerable to security breaches by computer hackers and cyber-terrorists. Like other global companies, we have, from time to 
time,  experienced  threats  to  our  data  and  systems,  including  malware  and  computer  virus  attacks,  internet  network  scans, 
systems failures and disruptions. A cyberattack that bypasses our IT security systems, causing an IT security breach, could lead 
to a material disruption of our IT systems and adversely impact our daily operations and cause the loss of sensitive information, 
including  our  proprietary  information  and  that  of  our  customers,  suppliers  and  employees.  Such  losses  could  harm  our 
reputation and result in competitive disadvantages, litigation, regulatory enforcement actions, lost revenues, additional costs and 
liability.  While  we  devote  substantial  resources  to  maintaining  adequate  levels  of  cybersecurity,  our  resources  and  technical 
sophistication may not be adequate to prevent all types of cyberattacks.

We rely on industry accepted security and control frameworks and technology to securely maintain confidential and proprietary 
information  and  personal  data  maintained  on  our  information  systems.  However,  these  measures  and  technology  may  not 
adequately prevent security breaches. In addition, the unavailability of the information systems or the failure of these systems to 
perform  as  anticipated  for  any  reason  could  disrupt  our  business  and  could  result  in  decreased  performance  and  increased 
operating  costs,  causing  our  business  and  results  of  operations  to  suffer.  Any  significant  interruption  or  failure  of  our 
information systems or any significant breach of security could adversely affect our business, results of operations and financial 
condition,  as  well  as  our  cash  flows.  Furthermore,  as  from  May  25,  2018,  data  breaches  on  personal  data  as  defined  in  the 
General Data Protection Regulation 2016/679 (EU), could lead to administrative fines up to €20 million or up to 4% of the total 
worldwide annual turnover of the company, whichever is higher.

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Increasing  scrutiny  and  changing  expectations  from  investors,  lenders  and  other  market  participants  with  respect  to  our 
Environmental, Social and Governance (“ESG”) policies may impose additional costs on us or expose us to additional risks.

Companies across all industries are facing increasing scrutiny relating to their ESG policies. Investor advocacy groups, certain 
institutional investors, investment funds, lenders and other market participants are increasingly focused on ESG practices and in 
recent years have placed increasing importance on the implications and social cost of their investments. The increased focus and 
activism  related  to  ESG  and  similar  matters  may  hinder  access  to  capital,  as  investors  and  lenders  may  decide  to  reallocate 
capital or to not commit capital as a result of their assessment of a company’s ESG practices. Companies which do not adapt to 
or  comply  with  investor,  lender  or  other  industry  shareholder  expectations  and  standards,  which  are  evolving,  or  which  are 
perceived  to  have  not  responded  appropriately  to  the  growing  concern  for  ESG  issues,  regardless  of  whether  there  is  a  legal 
requirement to do so, may suffer from reputational damage and the business, financial condition, and/or stock price of such a 
company could be materially and adversely affected. 

We  may  face  increasing  pressures  from  investors,  lenders  and  other  market  participants,  who  are  increasingly  focused  on 
climate change, to prioritize sustainable energy practices, reduce our carbon footprint and promote sustainability. As a result, 
we  may  be  required  to  implement  more  stringent  ESG  procedures  or  standards  so  that  our  existing  and  future  investors  and 
lenders  remain  invested  in  us  and  make  further  investments  in  us,  especially  given  the  highly  focused  and  specific  trade  of 
crude oil transportation in which we are engaged. If we do not meet these standards, our business and/or our ability to access 
capital could be harmed.

Additionally,  certain  investors  and  lenders  may  exclude  oil  transport  companies,  such  as  us,  from  their  investing  portfolios 
altogether due to environmental, social and governance factors. These limitations in both the debt and equity capital markets 
may  affect  our  ability  to  grow  as  our  plans  for  growth  may  include  accessing  the  equity  and  debt  capital  markets.  If  those 
markets are unavailable, or if we are unable to access alternative means of financing on acceptable terms, or at all, we may be 
unable to implement our business strategy, which would have a material adverse effect on our financial condition and results of 
operations and impair our ability to service our indebtedness. Further, it is likely that we will incur additional costs and require 
additional  resources  to  monitor,  report  and  comply  with  wide  ranging  ESG  requirements.  The  occurrence  of  any  of  the 
foregoing could have a material adverse effect on our business and financial condition. 

New technologies may cause our current drilling methods to become obsolete, resulting in an adverse effect on our business.

The  offshore  contract  drilling  industry  is  subject  to  the  introduction  of  new  drilling  techniques  and  services  using  new 
technologies, some of which may be subject to patent protection. As competitors and others use or develop new technologies, 
we  may  be  placed  at  a  competitive  disadvantage  and  competitive  pressures  may  force  us  to  implement  new  technologies  at 
substantial  cost.  In  addition,  competitors  may  have  greater  financial,  technical  and  personnel  resources  that  allow  them  to 
benefit  from  technological  advantages  and  implement  new  technologies  before  we  can.  We  may  not  be  able  to  implement 
technologies on a timely basis or at a cost that is acceptable to us.

Technological innovation and quality and efficiency requirements from our customers could reduce our charterhire income 
and the value of our vessels.

Our  customers,  in  particular  those  in  the  oil  industry,  have  a  high  and  increasing  focus  on  quality  and  compliance  standards 
with  their  suppliers  across  the  entire  supply  chain,  including  the  shipping  and  transportation  segment.  Our  continued 
compliance with these standards and quality requirements is vital for our operations. The charterhire rates and the value and 
operational life of a vessel are determined by a number of factors including the vessel’s efficiency, operational flexibility and 
physical life. Efficiency includes speed, fuel economy and the ability to load and discharge cargo quickly. Flexibility includes 
the  ability  to  enter  harbors,  utilize  related  docking  facilities  and  pass  through  canals  and  straits.  The  length  of  a  vessel’s 
physical life is related to its original design and construction, its maintenance and the impact of the stress of operations. If new 
vessels are built that are more efficient or more flexible or have longer physical lives than our vessels, competition from these 
more technologically advanced vessels could adversely affect the amount of charterhire payments we receive for our vessels 
and the resale value of our vessels could significantly decrease. This could have an adverse effect on our results of operations, 
cash flows, financial condition and ability to pay dividends. 

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Prolonged  or  significant  downturns  in  the  tanker,  dry  bulk  carrier,  container  and  offshore  drilling  charter  markets  may 
have an adverse effect on our earnings.

Although  most  of  our  vessels  are  employed  on  medium  or  long-term  charters,  prolonged  or  significant  downturns  in  the 
markets in which we operate could have a significant and adverse effect in finding new customers in the short and long term 
market  and  on  our  existing  customers’  ability  to  continue  to  fulfill  their  obligations  to  us.  It  also  affects  the  resale  value  of 
vessels. 

Prior to the COVID-19 outbreak, the outlook was positive for the tanker market, according to industry sources. However, the 
tanker  market  is  volatile.  The  crude  tanker  freight  market  experienced  volatile  markets  during  the  last  decade,  freight  rates 
increasing during 2014 and 2015 from the low levels in 2013.  During 2020 we continued to see volatile markets with short 
terms spikes in earnings followed by a period of easing rates. The tanker market eased back in early 2020 after a strong Q4 
2019,  however  saw  significant  increase  to  historically  high  levels  during  March-April  2020  as  a  result  of  impacts  from 
COVID-19 and a fall in oil prices resulting in high oil output and demand for floating storage. The oil tanker market remains 
highly uncertain with continued negative effects from the COVID-19 outbreak anticipated to impact the tanker market during 
2021, with no assurance that the tanker market will recover.

We currently have two vessels on charter to Frontline Shipping Limited (“Frontline Shipping”), an unguaranteed subsidiary of 
Frontline Ltd. (“Frontline”). When there are downturns in the tanker market, there is a significant risk that Frontline Shipping 
may not have sufficient funds to fulfill their obligations under the charters. 

According  to  industry  sources,  the  dry  bulk  shipping  market  experienced  volatile  market  conditions  with  both  challenging 
conditions and significant impact from the COVID-19 pandemic outbreak during 2020. Industry sources indicate that seaborne 
dry bulk trade (in tonnes) declined during 2020, as a result of the impacts arising from the COVID-19 pandemic which caused 
significant disruption and operation challenges. With the dry bulk newbuilding orderbook standing at 6% of the total fleet in 
terms of capacity and trade expected to rebound from disrupted levels during 2020, the market could see some positive signs. 
However with continued uncertainty, there can be no assurance that the dry bulk charter market will recover.

According  to  industry  sources,  the  containership  charter  market  experienced  significant  volatility  during  2020.  After  severe 
negative impacts resulting from the outbreak of the COVID-19 pandemic, volumes saw a swift recovery along with significant 
logistical  disruptions  during  the  second  half  of  2020.  The  positive  near-term  view  and  growth  during  2020  is  expected  to 
normalize as vaccines will result in more normal economic activity and a gradual shift towards services spending. There can be 
no assurance that the containership charter market will recover.

According to industry sources, the oil price (Brent crude spot) experienced significant volatility during the last decade. The oil 
price fluctuated from yearly average levels above $100 dollars to below $50 dollars in 2014. Over the few last years, we saw a 
gradual  recovery,  however  in  March  2020  the  oil  price  fell  below  $30  per  barrel  following  OPEC’s  inability  to  reach  an 
agreement  in  respect  of  oil  production  cuts.  As  a  consequence  of  these  reductions  in  oil  prices,  oil  and  gas  companies 
significantly  reduced  their  exploration  and  development  activities,  resulting  in  many  drilling  companies  laying  up  rigs  and 
experiencing financial difficulties, including our customer Seadrill. Whilst oil prices have increased in 2021, the medium- and 
long-term  oil  price  development  remains  uncertain,  with  Covid-19  pandemic  expected  to  continue  to  affect  the  global  oil 
demand along with a structural transition in global energy systems with renewable energy expected to increase going forward. 
The effect on this related to the market is currently difficult to assess.

Downturns in these markets and resulting volatility has had a number of adverse consequences, including, among other things:
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an absence of financing for vessels or rigs;
limited second-hand market for the sale of vessels or rigs;
extremely low charter rates, particularly for vessels employed in the spot market;
widespread loan covenant defaults in the shipping and offshore industries; and
declaration of bankruptcy by some operators, rig and ship owners as well as charterers.

The occurrence of one or more of these events could adversely affect our business, results of operations, cash flows, financial 
condition and ability to pay cash distributions. 

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In  addition,  because  the  market  value  of  our  vessels  may  fluctuate  significantly,  we  may  incur  losses  when  we  sell  vessels, 
which may adversely affect earnings. If we sell vessels at a time when vessel prices have fallen and before we have recorded an 
impairment adjustment to our financial statements, the sale may be at less than the vessel’s carrying amount in those financial 
statements, resulting in a loss and a reduction in earnings.

Major outbreaks of diseases (such as COVID-19) and governmental responses thereto could adversely affect our business.

Since the beginning of calendar year 2020, the outbreak of COVID-19 pandemic, which originated in China in late 2019 and 
subsequently  spread  around  the  world,  has  negatively  affected  economic  conditions,  the  supply  chain,  the  labor  market,  the 
demand for certain shipped goods regionally as well as globally and may otherwise impact our operations and the operations of 
our  customers  and  suppliers.  The  COVID-19  pandemic  has  resulted  in  numerous  actions  taken  by  governments  and 
governmental agencies in an attempt to mitigate the spread of the virus, including travel bans, quarantines, and other emergency 
public  health  measures,  and  a  number  of  countries  implemented  lockdown  measures.  These  measures  have  resulted  in  a 
significant  reduction  in  global  economic  activity  and  extreme  volatility  in  the  global  financial  markets.  If  the  COVID-19 
pandemic  continues  on  a  prolonged  basis  or  becomes  more  severe,  the  adverse  impact  on  the  global  economy  and  the  rate 
environment for tankers, containerships, dry bulk and other cargo vessels may deteriorate further and our operations and cash 
flows may be negatively impacted. The extent of COVID-19’s impact on our financial and operational results, which could be 
material, will depend on the length of time that the pandemic continues and whether subsequent waves of the infection happen. 
Uncertainties regarding the economic impact of the COVID-19 pandemic are likely to result in sustained market turmoil, which 
could  also  negatively  impact  our  business,  financial  condition  and  cash  flows.  Governments  are  approving  large  stimulus 
packages to mitigate the effects of the sudden decline in economic activity caused by the pandemic; however, we cannot predict 
the extent to which these measures will be sufficient to restore or sustain the business and financial condition of companies in 
the shipping industry. These measures, though contemplated to be temporary in nature, may continue and increase as countries 
attempt to contain the outbreak or any reoccurrences thereof.

At this stage, it is difficult to determine the full impact of COVID-19 on our business. Effects of the current pandemic have or 
may include, among others:

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deterioration of economic conditions and activity and of demand for shipping;

operational disruptions to us or our customers due to worker health risks and the effects of new regulations, directives 
or  practices  implemented  in  response  to  the  pandemic  (such  as  travel  restrictions  for  individuals  and  vessels  and 
quarantining and physical distancing);

potential delays in (a) the loading and discharging of cargo on or from our vessels, (b) vessel inspections and related 
certifications by class societies, customers or government agencies and (c) maintenance, modifications or repairs to, or 
drydocking of, our existing vessels due to worker health or other business disruptions;

reduced cash flow and financial condition, including potential liquidity constraints;

credit tightening or declines in global financial markets, including to the prices of our publicly traded securities and 
the securities of our peers, could make it more difficult for us to access capital, including to finance our existing debt 
obligations;

potential reduced ability to opportunistically sell any of our vessels on the second-hand market, either as a result of a 
lack of buyers or a general decline in the value of second-hand vessels;

potential  decreases  in  the  market  values  of  our  vessels  and  any  related  impairment  charges  or  breaches  relating  to 
vessel-to-loan financial covenants;

potential disruptions, delays or cancellations in the construction of new vessels, which could reduce our future growth 
opportunities;

due to quarantine restrictions placed on persons and additional procedures using commercial aviation and other forms 
of  public  transportation,  our  crew  has  had  difficulty  embarking  and  disembarking  on  our  ships.  Although  the 
restrictions  have  on  certain  cases  delayed  crew  embarking  and  disembarking  on  our  ships,  they  have  not  so  far, 
materially affected our ability to crew our vessels;

international  transportation  of  personnel  could  be  limited  or  otherwise  disrupted.  In  particular,  our  crews  generally 
work  on  a  rotation  basis,  relying  largely  on  international  air  transport  for  crew  changes  plan  fulfillment.  Any  such 
disruptions could impact the cost of rotating our crew, and possibly impact our ability to maintain a full crew synthesis 
onboard all our vessels at any given time. It may also be difficult for our in-house technical teams to travel to ship 
yards to observe vessel maintenance, and we may need to hire local experts, which local experts may vary in skill and 
are difficult to supervise remotely for work we ordinarily address in-house; and

potential  non-performance  by  counterparties  relying  on  force  majeure  clauses  and  potential  deterioration  in  the 
financial condition and prospects of our customers, joint venture partners or other business partners.

The COVID-19 pandemic and measures to contain its spread have negatively impacted regional and global economies and trade 
patterns in markets in which we operate, the way we operate our business, and the businesses of our charterers and suppliers. 
These negative impacts could continue or worsen, even after the pandemic itself diminishes or ends. Companies, including us, 
have also taken precautions, such as requiring employees to work remotely and imposing travel restrictions, while some other 
businesses have been required to close entirely. Moreover, we face significant risks to our personnel and operations due to the 
COVID-19 pandemic. Our crews face risk of exposure to COVID-19 as a result of travel to ports in which cases of COVID-19 
have been reported. Our shore-based personnel likewise face risk of such exposure, as we maintain offices in areas that have 
been impacted by the spread of COVID-19.

Measures  against  COVID-19  in  a  number  of  countries  have  restricted  crew  rotations  on  our  vessels,  which  may  continue  or 
become  more  severe.  As  a  result,  in  2020,  we  experienced  and  may  continue  to  experience  disruptions  to  our  normal  vessel 
operations caused by increased deviation time associated with positioning our vessels to countries in which we can undertake a 
crew  rotation  in  compliance  with  such  measures.  Delays  in  crew  rotations  have  led  to  issues  with  crew  fatigue  and  may 
continue to do so, which may result in delays or other operational issues. We have had and expect to continue to have increased 
expenses due to incremental fuel consumption and days in which our vessels are unable to earn revenue in order to deviate to 
certain ports on which we would ordinarily not call during a typical voyage. We may also incur additional expenses associated 
with  testing,  personal  protective  equipment,  quarantines,  and  travel  expenses  such  as  airfare  costs  in  order  to  perform  crew 
rotations in the current environment. In 2020, delays in crew rotations have also caused us to incur additional costs related to 
crew bonuses paid to retain the existing crew members on board and may continue to do so.

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The COVID-19 pandemic and measures in place against the spread of the virus have led to a highly difficult environment in 
which  to  dispose  of  vessels  given  the  difficulty  to  physically  inspect  vessels.  The  impact  of  COVID-19  has  also  resulted  in 
partially  reduced  industrial  activity  in  China  with  temporary  closures  of  factories  and  other  facilities,  labor  shortages  and 
restrictions on travel. We believe these disruptions along with other seasonal factors, including lower demand for some of the 
cargoes we carry such as iron ore and coal, have contributed to lower dry bulk rates in 2020. 

Epidemics may also affect personnel operating payment systems through which we receive revenues from the chartering of our 
vessels  or  pay  for  our  expenses,  resulting  in  delays  in  payments.  Organizations  across  industries,  including  ours,  are  rightly 
focusing on their employees' well-being, whilst making sure that their operations continue undisrupted and at the same time, 
adapting  to  the  new  ways  of  operating.  As  such  employees  are  encouraged  or  even  required  to  operate  remotely  which 
significantly increases the risk of cyber security attacks.

While it is still too early to fully assess the overall impact that COVID-19 will have on our financial condition and operations 
and  on  the  shipping  industry  in  general,  we  assess  that  the  charter  rates  have  been  reduced  significantly  in  certain  shipping 
markets as a result of COVID-19 and that the shipping industry in general and our Company specifically are likely to continue 
to be exposed to volatility in the near term. Some vessels in our fleet which came up for charter renewal in the first and second  
quarters of 2020 were employed at comparably less favorable charter rates than those achieved during 2019 and those expected 
before the COVID-19 pandemic.

Further, containment measures and quarantine restrictions adopted by many countries worldwide have caused significant impact 
on  our  ability  to  embark  and  disembark  crew  members  and  on  our  seafarers  themselves.  As  a  result,  since  the  outbreak  of 
COVID-19  and  as  of  the  date  of  this  report,  we  have  encountered  certain  prolonged  delays  and  surrounding  complexities  in 
embarking and disembarking crew onto our ships which further resulted in increased operational costs and decreased revenues 
by reason of off-hires associated with crew rotation and related logistical complications associated with supplying our vessels 
with spares or other supplies.

The  occurrence  or  continued  occurrence  of  any  of  the  foregoing  events  or  other  epidemics  or  an  increase  in  the  severity  or 
duration of the COVID-19 or other epidemics could have a material adverse effect on our business, results of operations, cash 
flows, financial condition, value of our vessels, and ability to pay dividends. 

Our business has inherent operational risks, which may not be adequately covered by insurance.

Our  vessels  and  their  cargoes  are  at  risk  of  being  damaged  or  lost,  due  to  events  such  as  marine  disasters,  bad  weather, 
mechanical  failures,  human  error,  environmental  accidents,  war,  terrorism,  piracy,  political  circumstances  and  hostilities  in 
foreign  countries,  labor  strikes  and  boycotts,  changes  in  tax  rates  or  policies,  and  governmental  expropriation  of  our 
vessels. Any of these events may result in loss of revenues, increased costs and decreased cash flows to our customers, which 
could impair their ability to make payments to us under our charters.

In the event of a vessel casualty or other catastrophic event, we will rely on the marine insurance policies to pay the insured 
value of the vessel or the damages incurred. Through the agreements with our vessel managers, we procure insurance for most 
of the vessels in our fleet employed under time and voyage charters against those risks that we believe the shipping industry 
commonly insures against. These insurances include marine hull and machinery insurance, protection and indemnity insurance, 
which include pollution risks and crew insurances, and war risk insurance. Currently, the amount of coverage for liability for 
pollution, spillage and leakage available to us on commercially reasonable terms through protection and indemnity associations 
and providers of excess coverage is $1 billion per vessel per occurrence.

We  cannot  assure  you  that  we  will  be  adequately  insured  against  all  risks.  Our  vessel  managers  may  not  be  able  to  obtain 
adequate  insurance  coverage  at  reasonable  rates  for  our  vessels  in  the  future.  For  example,  in  the  past  more  stringent 
environmental regulations have led to increased costs for, and in the future may result in the lack of availability of, insurance 
against risks of environmental damage or pollution. Additionally, our insurers may refuse to pay particular claims. For example, 
the circumstances of a spill, including non-compliance with environmental laws, could result in denial of coverage, protracted 
litigation, and delayed or diminished insurance recoveries or settlements. Any significant loss or liability for which we are not 
insured could have a material adverse effect on our financial condition. Under the terms of our bareboat charters, the charterer 
is responsible for procuring all insurances for the vessel.

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We  procure  insurance  for  our  fleet  against  risks  commonly  insured  against  by  vessel  owners  and  operators.  Even  if  our 
insurance coverage is adequate to cover our losses, we may not be able to timely obtain a replacement vessel in the event of a 
loss. Furthermore, in the future, we may not be able to obtain adequate insurance coverage at reasonable rates for our fleet. We 
may also be subject to calls, or premiums, in amounts based not only on our own claim records but also the claim records of all 
other members of the protection and indemnity associations through which we receive indemnity insurance coverage for tort 
liability. Our insurance policies also contain deductibles, limitations and exclusions which, although we believe are standard in 
the shipping industry, may nevertheless increase our costs. If our insurance is not enough to cover claims that may arise, the 
deficiency may have a material adverse effect on our financial condition and results of operations. We may also be subject to 
calls, or premiums, in amounts based not only on our own claim records but also the claim records of all other members of the 
protection  and  indemnity  associations  through  which  we  receive  indemnity  insurance  coverage  for  tort  liability,  including 
pollution-related liability. Our payment of these calls could result in significant expenses to us.

Maritime  claimants  could  arrest  or  attach  one  or  more  of  our  vessels,  which  could  interrupt  our  customers'  or  our  cash 
flows.

Crew members, suppliers of goods and services to a vessel, shippers of cargo and other parties may be entitled to a maritime 
lien against one or more of our vessels for unsatisfied debts, claims or damages. In many jurisdictions, a maritime lien holder 
may  enforce  its  lien  by  arresting  a  vessel  through  foreclosure  proceedings.  The  arrest  or  attachment  of  one  or  more  of  our 
vessels could interrupt the cash flow of the charterer and/or our cash flow and require us to pay a significant amount of money 
to have the arrest lifted, which would have an adverse effect on our financial condition and results of operations. 

In addition, in some jurisdictions, such as South Africa, under the "sister ship" theory of liability, a claimant may arrest both the 
vessel which is subject to the claimant's maritime lien and any "associated" vessel, which is any vessel owned or controlled by 
the same owner. Claimants could try to assert "sister ship" liability against vessels in our fleet managed by our vessel managers 
for claims relating to another vessel managed by that manager.

Governments could requisition our vessels during a period of war or emergency without adequate compensation, resulting 
in a loss of earnings.

A government could requisition one or more of our vessels for title or for hire. Requisition for title occurs when a government 
takes control of a vessel and becomes her owner, while requisition for hire occurs when a government takes control of a vessel 
and  effectively  becomes  her  charterer  at  dictated  charter  rates.  Generally,  requisitions  occur  during  periods  of  war  or 
emergency,  although  governments  may  elect  to  requisition  vessels  in  other  circumstances.  Although  we  would  be  entitled  to 
compensation in the event of a requisition of one or more of our vessels, the amount and timing of payment could be materially 
less  than  the  charterhire  that  would  have  been  payable  otherwise.  In  addition,  we  would  bear  all  risk  of  loss  or  damage  to  a 
vessel under requisition for hire. Government requisition of one or more of our vessels may negatively impact our revenues and 
reduce the amount of dividends paid, if any, to our shareholders.

The aging of our fleet may result in increased operating costs or loss of hire in the future, which could adversely affect our 
earnings.

In  general,  the  costs  to  maintain  a  vessel  in  good  operating  condition  increase  as  the  vessel  ages.  Due  to  improvements  in 
engine technology, older vessels are typically less fuel-efficient than more recently constructed vessels. Cargo insurance rates 
increase with the age of a vessel, making older vessels less desirable to charterers.

Governmental regulations, safety, environmental or other equipment standards related to the age of tankers and other types of 
vessels  may  require  expenditures  for  alterations  or  the  addition  of  new  equipment  to  our  vessels  to  comply  with  safety  or 
environmental  laws  or  regulations  that  may  be  enacted  in  the  future.  These  laws  or  regulations  may  also  restrict  the  type  of 
activities in which our vessels may engage or prohibit their operation in certain geographic regions. We cannot predict what 
alterations or modifications our vessels may be required to undergo as a result of requirements that may be promulgated in the 
future, or that as our vessels age market conditions will justify any required expenditures or enable us to operate our vessels 
profitably during the remainder of their useful lives.

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There are risks associated with the purchase and operation of second-hand vessels.

Our  current  business  strategy  includes  additional  growth  through  the  acquisition  of  both  newbuildings  and  second-hand 
vessels.  Although we generally inspect second-hand vessels prior to purchase, this does not normally provide us with the same 
knowledge about the vessels' condition that we would have had if such vessels had been built for and operated exclusively by 
us. Therefore, our future operating results could be negatively affected if the vessels do not perform as we expect. Also, we do 
not receive the benefit of warranties from the builders if the vessels we buy are older than one to two years.

Risks Relating to Our Company

Changes in our dividend policy could adversely affect holders of our common shares.

Any dividend that we declare is at the discretion of our Board of Directors. We cannot assure you that our dividend will not be 
reduced  or  eliminated  in  the  future.  Our  profitability  and  corresponding  ability  to  pay  dividends  is  substantially  affected  by 
amounts  we  receive  through  charter  hire  and  profit  sharing  payments  from  our  charterers.  Our  entitlement  to  profit  sharing 
payments, if any, is based on the financial performance of our vessels which is outside of our control. If our charter hire and 
profit sharing payments decrease substantially, we may not be able to continue to pay dividends at present levels, or at all. We 
are also subject to contractual limitations on our ability to pay dividends pursuant to certain debt agreements, and we may agree 
to  additional  limitations  in  the  future.  Additional  factors  that  could  affect  our  ability  to  pay  dividends  include  statutory  and 
contractual  limitations  on  the  ability  of  our  subsidiaries  to  pay  dividends  to  us,  including  under  current  or  future  debt 
arrangements.

We depend on our charterers, including companies which are affiliated with us, for our operating cash flows and for our 
ability to pay dividends to our shareholders and repay our outstanding borrowings.

Two of the tanker vessels in our fleet are chartered to a subsidiary of Frontline, namely Frontline Shipping. In addition, during 
2020 we had three of our drilling units on charter to Seadrill and eight dry bulk carriers to Golden Ocean Trading Limited, or 
the Golden Ocean Charterer, all of which are related parties. In addition, we own fully or partially 32 container vessels on long-
term  bareboat  charters  to  MSC  and  12  container  vessels  on  long-term  time  charters  to  Maersk,  and  multiple  other  assets 
chartered to a number of counterparties. Our other vessels that have charters attached to them are chartered to other customers 
under short, medium or long term time and bareboat charters.

The charter-hire payments that we receive from our customers constitute substantially all of our operating cash flows.

The performance under the leases with the Seadrill Charterers is currently guaranteed by Seadrill. The performance under the 
charters  with  the  Golden  Ocean  Charterer  is  guaranteed  by  Golden  Ocean  Group  Limited,  or  Golden  Ocean.  If  Frontline 
Shipping, the Seadrill Charterers, the Golden Ocean Charterer or any of our other charterers are unable to make charter hire 
payments to us, our results of operations and financial condition will be materially adversely affected and we may not have cash 
available to pay dividends to our shareholders and to repay our outstanding borrowings. A significant portion of our net income 
and operating cash flows are generated from our leases with the Seadrill Charterers, and a termination of these leases may have 
a material adverse effect on our earnings and profitability, and our ability to pay dividends to our shareholders. Please refer to 
the  Risk  Factor  below  -  “The  failure  of  the  charterers  of  our  drilling  rigs  to  meet  their  obligations  to  us  under  our  lease 
agreements,  or  material  change  to  the  terms  of  such  agreements,  could  have  a  material  adverse  effect  on  our  business, 
financial condition, results of operations and cash flows, ability to pay dividends to our shareholders and compliance with 
covenants in our credit facilities.” for further discussion.

We have two remaining VLCCs on long term charters to Frontline Shipping and in which performance under the charters is not 
guaranteed by Frontline. With the current depressed tanker market, there is a significant risk that Frontline Shipping may not 
have  sufficient  funds  to  fulfil  their  obligations  under  the  charters,  which  may  have  an  adverse  effect  on  our  earnings  and 
profitability, and our ability to pay dividends to our shareholders.

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The amount of profit sharing payment we receive under our charters with Frontline Shipping, the Golden Ocean Charterer, 
and other charterers, if any, may depend on prevailing spot market rates, which are volatile.

Some  of  our  tanker  vessels  operate  under  time  charters  to  Frontline  Shipping.  These  charter  contracts  provide  for  base 
charterhire  and  additional  profit  sharing  payments  when  Frontline  Shipping's  earnings  from  deploying  our  vessels  exceed 
certain levels. The majority of our vessels chartered to Frontline Shipping are sub-chartered by them in the spot market, which 
is subject to greater volatility than the long-term time charter market, and the amount of future profit sharing payments that we 
receive, if any, will be primarily dependent on the strength of the spot market.

We have eight Capesize dry bulk carriers employed under time charters to the Golden Ocean Charterer. These charter contracts 
provide for base charterhire and additional profit sharing payments when the Golden Ocean Charterer's earnings from deploying 
our  vessels  exceed  certain  levels.  The  majority  of  our  vessels  chartered  to  the  Golden  Ocean  Charterer  are  sub-chartered  by 
them in the spot market, which is subject to greater volatility than the long-term time charter market, and the amount of future 
profit sharing payments we receive, if any, will be primarily dependent on the strength of the spot market.

We  cannot  assure  you  that  we  will  receive  any  profit  sharing  payments  for  any  periods  in  the  future,  which  may  have  an 
adverse effect on our results and financial condition and our ability to pay dividends in the future.

The  amount  of  fuel  saving  payment  we  receive  under  our  charters  with  Maersk,  if  any,  depends  on  prevailing  fuel  costs, 
which are volatile.

In May 2019 and January 2020, we agreed to install scrubbers on seven vessels for an estimated aggregate amount of $45.2 
million, in return for receiving a share of the fuel savings expected to be achieved by the charterer, Maersk. The fuel savings 
will  depend  on  the  price  difference  between  IMO  compliant  fuel  and  IMO  non-compliant  fuel  that  is  subsequently  made 
compliant by the scrubbers.  

We cannot assure you that we will receive any fuel saving payments for any periods in the future, which may have an adverse 
effect on our results and financial condition and our ability to pay dividends in the future.

The charter-free market values of our vessels and drilling units may decrease, which could limit the amount of funds that we 
can borrow or trigger certain financial covenants under our current or future credit facilities and we may incur a loss if we 
sell  vessels  or  drilling  units  following  a  decline  in  their  charter-free  market  value.  This  could  affect  future  dividend 
payments.

We are generally prohibited from selling our vessels or drilling units during periods which they are subject to charters without 
the charterer's consent, and may therefore be unable to take advantage of increases in vessel or drilling unit values during such 
times. Conversely, if the charterers were to default under the charters due to adverse market conditions, causing a termination of 
the charters, it is likely that the charter-free market value of our vessels and drilling units would also be depressed. The charter-
free market values of our vessels and drilling units have experienced high volatility in recent years.

The  charter-free  market  value  of  our  vessels  and  drilling  units  may  increase  and  decrease  depending  on  a  number  of  factors 
including,  but  not  limited  to,  the  prevailing  level  of  charter  rates  and  day  rates,  general  economic  and  market  conditions 
affecting the international shipping and offshore drilling industries, types, sizes and ages of vessels and drilling units, supply 
and demand for vessels and drilling units, availability of or developments in other modes of transportation, competition from 
other shipping companies, cost of newbuildings, governmental or other regulations and technological advances.

In  addition,  as  vessels  and  drilling  units  grow  older,  they  generally  decline  in  value.  If  the  charter-free  market  values  of  our 
vessels and drilling units decline, we may not be in compliance with certain provisions of our credit facilities and we may not 
be able to refinance our debt, obtain additional financing or make distributions to our shareholders. Additionally, if we sell one 
or more of our vessels or drilling units at a time when vessel and drilling unit prices have fallen and before we have recorded an 
impairment  adjustment  to  our  consolidated  financial  statements,  the  sale  price  may  be  less  than  the  vessel's  or  drilling  unit's 
carrying value on our consolidated financial statements, resulting in a loss and a reduction in earnings. Furthermore, if vessel 
and drilling unit values fall significantly, we may have to record an impairment adjustment in our financial statements, which 
could adversely affect our financial results and condition.

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Volatility in the international shipping and offshore markets may cause our counterparties on contracts to fail to meet their 
obligations which could cause us to suffer losses or otherwise adversely affect our business.

From time to time, we enter into, among other things, charter parties with our customers, newbuilding contracts with shipyards, 
credit facilities with banks, guarantees, interest rate swap agreements, and currency swap agreements, total return bond swaps, 
and  total  return  equity  swaps.  Such  agreements  subject  us  to  counterparty  risks.  The  ability  and  willingness  of  each  of  our 
counterparties  to  perform  their  obligations  under  a  contract  with  us  will  depend  on  a  number  of  factors  that  are  beyond  our 
control. As a result, our revenues and results of operations may be adversely affected. These factors include:

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global and regional economic and political conditions;
supply  and  demand  for  oil  and  refined  petroleum  products,  which  is  affected  by,  among  other  things,  competition  from 
alternative sources of energy;
supply and demand for energy resources, commodities, semi-finished and finished consumer and industrial products;
developments in international trade;
changes in seaborne and other transportation patterns, including changes in the distances that cargoes are transported;
environmental concerns and regulations;
weather;
the number of newbuilding deliveries;
the improved fuel efficiency of newer vessels;
the recycling rate of older vessels; and
changes in production of crude oil, particularly by OPEC and other key producers.

Tanker charter rates also tend to be subject to seasonal variations, with demand (and therefore charter rates) normally higher in 
winter months in the northern hemisphere.

In addition, in depressed market conditions, our charterers and customers may no longer need a vessel or drilling unit that is 
currently under charter or contract, or may be able to obtain a comparable vessel or drilling unit at a lower rate. As a result, 
charterers and customers may seek to renegotiate the terms of their existing charter parties and drilling contracts, or avoid their 
obligations under those contracts. Should a counterparty fail to honor its obligations under agreements with us, we could sustain 
significant losses which could have a material adverse effect on our business, financial condition, results of operations and cash 
flows.

Certain of our directors, executive officers and major shareholders may have interests that are different from the interests of 
our other shareholders.

Certain of our directors, executive officers and major shareholders may have interests that are different from, or are in addition 
to,  the  interests  of  our  other  shareholders.  In  particular,  Hemen,  Holding  Ltd,  or  Hemen  a  company  indirectly  controlled  by 
trusts established by Mr. John Fredriksen, for the benefit of his immediate family, and certain of its affiliates, may be deemed to 
beneficially  own  approximately  20.1%  of  our  issued  and  outstanding  common  shares  as  at  March  17,  2021.  Furthermore,  in 
February  2020,  Ms.  Kathrine  Astrup  Fredriksen,  who  is  the  daughter  of  Mr.  John  Fredriksen,  became  a  Director  of  the 
Company.

Hemen is also a principal shareholder of a number of other large publicly traded companies involved in various sectors of the 
shipping and oil services industries, or the Hemen Related Companies. In addition, certain directors, including Mr. Cordia and 
Mr.  O'Shaughnessy,  also  serve  on  the  boards  of  one  or  more  of  the  Hemen  Related  Companies,  including  but  not  limited  to 
Frontline, Golden Ocean, Northern Drilling Ltd, Avance Gas and Archer Limited. There may be real or apparent conflicts of 
interest with respect to matters affecting Hemen and other Hemen Related Companies whose interests in some circumstances 
may be adverse to our interests.

To the extent that we do business with or compete with other Hemen Related Companies for business opportunities, prospects 
or financial resources, or participate in ventures in which other Hemen Related Companies may participate, these directors and 
officers may face actual or apparent conflicts of interest in connection with decisions that could have different implications for 
us. These decisions may relate to corporate opportunities, corporate strategies, potential acquisitions of businesses, newbuilding 
acquisitions, inter-company agreements, the issuance or disposition of securities, the election of new or additional directors and 
other matters. Such potential conflicts may delay or limit the opportunities available to us, and it is possible that conflicts may 
be resolved in a manner adverse to us or result in agreements that are less favorable to us than terms that would be obtained in 
arm's-length negotiations with unaffiliated third-parties.

24

The agreements between us and affiliates of Hemen may be less favorable to us than agreements that we could obtain from 
unaffiliated third parties.

The  charters,  management  agreements,  charter  ancillary  agreements  and  the  other  contractual  agreements  we  have  with 
companies  affiliated  with  Hemen  were  made  in  the  context  of  an  affiliated  relationship.  Although  every  effort  was  made  to 
ensure  that  such  agreements  were  made  on  an  arm's-length  basis,  the  negotiation  of  these  agreements  may  have  resulted  in 
prices  and  other  terms  that  are  less  favorable  to  us  than  terms  we  might  have  obtained  in  arm's-length  negotiations  with 
unaffiliated third parties for similar services.

Hemen and its associated companies' business activities may conflict with our business activities.

While Frontline and Golden Ocean have agreed to cause Frontline Shipping and the Golden Ocean Charterer, respectively, to 
use their commercial best efforts to employ our vessels on market terms and not to give preferential treatment in the marketing 
of  any  other  vessels  owned  or  managed  by  Frontline  and  Golden  Ocean  or  its  other  affiliates,  it  is  possible  that  conflicts  of 
interests in this regard will adversely affect us. Under our charter ancillary agreements with Frontline Shipping, Frontline, the 
Golden Ocean Charterer and Golden Ocean, we are entitled to receive quarterly profit sharing payments to the extent that the 
average  daily  time-charter  equivalent  ("TCE"),  rates  realized  by  Frontline  Shipping  and  the  Golden  Ocean  Charterer  exceed 
specified levels. Because Frontline, and Golden Ocean also own or manage other vessels in addition to our fleet, which are not 
included  in  the  profit  sharing  calculations,  conflicts  of  interest  may  arise  between  us,  Frontline  and  Golden  Ocean  in  the 
allocation of chartering opportunities that could limit our fleet's earnings and reduce profit sharing payments or charterhire due 
under our charters.

Our shareholders must rely on us to enforce our rights against our contract counterparties.

Holders  of  our  common  shares  and  other  securities  have  no  direct  right  to  enforce  the  obligations  of  Frontline  Shipping, 
Frontline  Management,  Frontline,  the  Golden  Ocean  Charterer,  Golden  Ocean  Management,  Golden  Ocean,  the  Seadrill 
Charterers  and  Seadrill,  or  any  of  our  other  customers  under  the  charters,  or  any  of  the  other  agreements  to  which  we  are  a 
party.  Accordingly,  if  any  of  those  counterparties  were  to  breach  their  obligations  to  us  under  any  of  these  agreements,  our 
shareholders would have to rely on us to pursue our remedies against those counterparties.

We may enter into transactions that expose us to additional risk outside our core business  

We  may  enter  into  transactions  that  could  expose  us  to  additional  market,  financial  and  regulatory  risks  that  our  outside  our 
core business. 

There is a risk that U.S. tax authorities could treat us as a "passive foreign investment company", which would have adverse 
U.S. federal income tax consequences to U.S. shareholders.

A foreign corporation will be treated as a "passive foreign investment company," or PFIC, for U.S. federal income tax purposes 
if either (1) at least 75% of its gross income for any taxable year consists of certain types of "passive income" or (2) at least 
50%  of  the  average  value  of  the  corporation's  assets  produce  or  are  held  for  the  production  of  those  types  of  "passive 
income."    For  purposes  of  these  tests,  "passive  income"  includes  dividends,  interest  and  gains  from  the  sale  or  exchange  of 
investment  property  and  rents  and  royalties  other  than  rents  and  royalties,  which  are  received  from  unrelated  parties  in 
connection with the active conduct of a trade or business. For purposes of these tests, income derived from the performance of 
services does not constitute "passive income", but income from bareboat charters does constitute "passive income."

U.S. shareholders of a PFIC are subject to a disadvantageous U.S. federal income tax regime with respect to the income derived 
by the PFIC, the distributions they receive from the PFIC and the gain, if any, they derive from the sale or other disposition of 
their shares in the PFIC.

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Under these rules, if our income from our time charters is considered to be passive rental income, rather than income from the 
performance of services, we will be considered to be a PFIC. We believe that it is more likely than not that our income from 
time charters will not be treated as passive rental income for purposes of determining whether we are a PFIC. Correspondingly, 
we believe that the assets that we own and operate in connection with the production of such income do not constitute passive 
assets for purposes of determining whether we are a PFIC. This position is principally based upon the positions that (1) our time 
charter  income  will  constitute  services  income,  rather  than  rental  income,  and  (2)  Frontline  Management  and  Golden  Ocean 
Management,  which  provide  services  to  certain  of  our  time-chartered  vessels,  will  be  respected  as  separate  entities  from 
Frontline Shipping and the Golden Ocean Charterer, with which they are respectively affiliated. We do not believe that we will 
be treated as a PFIC for our 2020 taxable year. Nevertheless, for the 2021 taxable year and future taxable years, depending upon 
the relative amounts of income we derive from our various assets as well as their relative fair market values, we may be treated 
as a PFIC.

We note that there is no direct legal authority under the PFIC rules addressing our current and expected method of operation. 
Accordingly, no assurance can be given that the Internal Revenue Service, or the IRS, or a court of law will accept our position, 
and there is a significant risk that the IRS or a court of law could determine that we are a PFIC. Furthermore, even if we would 
not be a PFIC under the foregoing tests, no assurance can be given that we would not constitute a PFIC for any future taxable 
year if the nature and extent of our operations were to change.

If  the  IRS  were  to  find  that  we  are  or  have  been  a  PFIC  for  any  taxable  year,  our  U.S.  shareholders  will  face  adverse  U.S. 
federal income tax consequences. For example, U.S. non-corporate shareholders would not be eligible for the preferential rate 
on dividends that we pay.

We may have to pay tax on U.S. source income, which would reduce our earnings.

Under the U.S. Internal Revenue Code of 1986 as amended, or the Code, 50% of the gross shipping income of a vessel owning 
or chartering corporation, such as ourselves and our subsidiaries, that is attributable to transportation that begins or ends, but 
that does not both begin and end, in the United States may be subject to a 4% U.S. federal income tax without allowance for 
deduction, unless that corporation qualifies for exemption from tax under Section 883 of the Code and the applicable Treasury 
Regulations promulgated thereunder.

We believe that we and each of our subsidiaries qualify for this statutory tax exemption and we will take this position for U.S. 
federal income tax return reporting purposes for the 2020 taxable year. However, there are factual circumstances beyond our 
control that could cause us to lose the benefit of this tax exemption and thereby become subject to U.S. federal income tax on 
our  U.S.  source  shipping  income.  For  example,  if  Hemen,  who  we  believe  to  be  a  non-qualified  shareholder,  were  to,  in 
combination with other non-qualified shareholders, come to own 50% or more of our outstanding common shares for more than 
half the days during the taxable year, there is a risk that we could no longer qualify for exemption under Section 883 of the 
Code  for  a  particular  taxable  year.  Due  to  the  factual  nature  of  the  issues  involved,  we  can  give  no  assurances  on  our  tax-
exempt status or that of any of our subsidiaries.

If  we,  or  our  subsidiaries,  are  not  entitled  to  exemption  under  Section  883  of  the  Code  for  any  taxable  year,  we,  or  our 
subsidiaries, could be subject for those years to an effective 2% U.S. federal income tax on the gross shipping income these 
companies derive during the year that is attributable to the transport of cargoes to or from the United States. The imposition of 
this tax would have a negative effect on our business and would result in decreased earnings available for distribution to our 
shareholders.

As  an  exempted  company  incorporated  under  Bermuda  law,  our  operations  may  be  subject  to  economic  substance 
requirements.

The Economic Substance Act 2018 and the Economic Substance Regulations 2018 of Bermuda (the “Economic Substance Act” 
and the “Economic Substance Regulations”, respectively) became operative on December 31, 2018.  The Economic Substance 
Act applies to every registered entity in Bermuda that engages in a relevant activity and requires that every such entity shall 
maintain a substantial economic presence in Bermuda. Relevant activities for the purposes of the Economic Substance Act are 
banking  business,  insurance  business,  fund  management  business,  financing  and  leasing  business,  headquarters  business, 
shipping business, distribution and service center business, intellectual property holding business and conducting business as a 
holding entity.

26

The  Bermuda  Economic  Substance  Act  provides  that  a  registered  entity  that  carries  on  a  relevant  activity  complies  with 
economic substance requirements if (a) it is directed and managed in Bermuda, (b) its core income-generating activities (as may 
be prescribed) are undertaken in Bermuda with respect to the relevant activity, (c) it maintains adequate physical presence in 
Bermuda, (d) it has adequate full time employees in Bermuda with suitable qualifications and (e) it incurs adequate operating 
expenditure in Bermuda in relation to the relevant activity.

A registered entity that carries on a relevant activity is obliged under the Bermuda Economic Substance Act to file a declaration 
in the prescribed form (the “Declaration”) with the Registrar of Companies (the “Registrar”) on an annual basis.

If we fail to comply with our obligations under the Bermuda Economic Substance Act or any similar law applicable to us in any 
other jurisdictions, we could be subject to financial penalties and spontaneous disclosure of information to foreign tax officials 
in related jurisdictions and may be struck from the register of companies in Bermuda or such other jurisdiction. Any of these 
actions could have a material adverse effect on our business, financial condition and results of operations.

If our long-term time or bareboat charters or management agreements with respect to our vessels employed on long-term 
time charters terminate, we could be exposed to increased volatility in our business and financial results, our revenues could 
significantly decrease and our operating expenses could significantly increase.

If any of our charters terminate, we may not be able to re-charter those vessels on a long-term basis with terms similar to the 
terms of our existing charters, or at all.

The vessels in our fleet that have charters attached to them are generally contracted to expire between one and 13 years from 
now. However, we have granted some of our charterers purchase or early termination options that, if exercised, may effectively 
terminate our charters with these customers at an earlier date. One or more of the charters with respect to our vessels may also 
terminate in the event of a requisition for title or a loss of a vessel.

Under our vessel management agreements with Frontline Management and Golden Ocean Management, for fixed management 
fees,  Frontline  Management  and  Golden  Ocean  Management  are  responsible  for  all  of  the  technical  and  operational 
management of the vessels chartered by Frontline Shipping and the Golden Ocean Charterer, respectively, and will indemnify 
us  against  certain  loss  of  hire  and  various  other  liabilities  relating  to  the  operation  of  these  vessels.  If  the  relevant  charter  is 
terminated, the corresponding management agreement will also be terminated.

In addition to the two vessels on charter to Frontline Shipping and the eight vessels on charter to Golden Ocean Charterer, we 
also have 16 container vessels, four dry bulk carriers, two product tankers and two car carriers employed on time charters, and 
two Suezmax tankers and ten dry bulk carriers employed in the spot or short term time charter market. The agreements for the 
technical  and  operational  management  of  these  vessels  are  not  fixed  price  agreements,  and  we  cannot  assure  you  that  any 
further vessels which we may acquire in the future will be operated under fixed price management agreements.

Therefore, to the extent that we acquire additional vessels, our cash flow could be more volatile in the future and we could be 
exposed  to  increases  in  our  vessel  operating  expenses,  each  of  which  could  materially  and  adversely  affect  our  results  of 
operations and business.

Certain of our vessels and drilling units are subject to purchase options held by the charterer of the vessel or drilling unit, 
which, if exercised, could reduce the size of our fleet and reduce our future revenues.

The  charter-free  market  values  of  our  vessels  and  drilling  units  are  expected  to  change  from  time  to  time  depending  on  a 
number  of  factors  including  general  economic  and  market  conditions  affecting  the  shipping  and  offshore  industries, 
competition, cost of vessel or drilling unit construction, governmental or other regulations, prevailing levels of charter rates and 
technological changes. We have granted fixed price purchase options to certain of our customers with respect to the vessels and 
drilling units they have chartered from us, and these prices may be less than the respective vessel's or drilling unit’s charter-free 
market value at the time the option may be exercised. In addition, we may not be able to obtain a replacement vessel or drilling 
unit for the price at which we sell the vessel or drilling unit. In such a case, we could incur a loss and a reduction in earnings.

27

Volatility of LIBOR and potential changes of the use of LIBOR as a benchmark could affect our profitability, earnings and 
cash flow. 

The London Interbank Offered Rate (“LIBOR”) is the subject of recent national, international and other regulatory guidance 
and proposals for reform. These reforms and other pressures may cause LIBOR to be eliminated or to perform differently than 
in the past. The consequences of these developments cannot be entirely predicted, but could include an increase in the cost of 
our variable rate indebtedness and obligations. LIBOR has been volatile in the past, with the spread between LIBOR and the 
prime  lending  rate  widening  significantly  at  times.  Because  the  interest  rates  borne  by  a  majority  of  our  outstanding 
indebtedness fluctuate with changes in LIBOR, significant changes in LIBOR would have a material effect on the amount of 
interest payable on our debt, which in turn, could have an adverse effect on our financial condition.

Furthermore, the calculation of interest in most financing agreements in our industry has been based on published LIBOR rates. 
Due in part to uncertainty relating to the LIBOR calculation process, in recent years, it is likely that LIBOR will be phased out 
in the future. As a result, lenders have insisted on provisions that entitle the lenders, in their discretion, to replace published 
LIBOR as the base for the interest calculation with their cost-of-funds rate. If we are required to agree to such a provision in 
future  financing  agreements,  our  lending  costs  could  increase  significantly,  which  would  have  an  adverse  effect  on  our 
profitability, earnings and cash flow. In addition, the banks currently reporting information used to set LIBOR will likely stop 
such  reporting  after  2021,  when  their  commitment  to  reporting  information  ends.  On  November  30,  2020,  ICE  Benchmark 
Administration, the administrator of LIBOR, with the support of the United States Federal Reserve and the United Kingdom’s 
Financial Conduct Authority, announced plans to consult on ceasing publication of U.S. Dollar LIBOR on December 31, 2021 
for only the one-week and two-month U.S. Dollar LIBOR tenors, and on June 30, 2023 for all other U.S. Dollar LIBOR tenors. 
The United States Federal Reserve concurrently issued a statement advising banks to stop new U.S. Dollar LIBOR issuances by 
the end of 2021. Such announcements indicate that the continuation of LIBOR on the current basis will not be guaranteed after 
2021.  The  banks  currently  reporting  information  used  to  set  LIBOR  will  likely  stop  reporting  after  2021,  when  their 
commitment to reporting information ends. The Alternative Reference Rate Committee, a committee convened by the Federal 
Reserve that includes major market participants, has proposed an alternative rate to replace U.S. Dollar LIBOR: the Secured 
Overnight Financing Rate, or “SOFR.” The impact of such a transition from LIBOR to SOFR could be significant for us.

In  order  to  manage  our  exposure  to  interest  rate  fluctuations,  we  may  from  time  to  time  use  interest  rate  derivatives  to 
effectively fix some of our floating rate debt obligations. No assurance can however be given that the use of these derivative 
instruments, if any, may effectively protect us from adverse interest rate movements. The use of interest rate derivatives may 
affect our results through mark to market valuation of these derivatives. Also, adverse movements in interest rate derivatives 
may  require  us  to  post  cash  as  collateral,  which  may  impact  our  free  cash  position.  Interest  rate  derivatives  may  also  be 
impacted by the transition from LIBOR to SOFR or other alternative rates.

A change in foreign exchange rates could materially and adversely affect our financial position.

As  of  December  31,  2020,  we  had  approximately  $225.5  million  equivalent  in  senior  unsecured  bonds  denominated  in 
Norwegian korner (“NOK”). Although the effect on profitability is managed through the use of currency swaps, liquidity may 
be  affected  during  the  period  of  the  swap  contracts  arising  from  the  requirement  to  pay  collateral  if  the  NOK  currency  rates 
move  adversely  compared  to  the  United  States  dollar  (“USD”).  This  could  have  a  material  adverse  effect  on  our  liquidity, 
depending on the magnitude of the currency fluctuation. 

A change in interest rates could materially and adversely affect our financial performance and financial position.

As of December 31, 2020, we and our consolidated subsidiaries had approximately $1.3 billion in floating rate debt outstanding 
under  our  credit  facilities,  and  a  further  approximately  $0.2  billion  in  floating  rate  debt  held  by  our  unconsolidated  wholly-
owned  subsidiaries  accounted  for  under  the  equity  method.  Although  we  use  interest  rate  swaps  to  manage  our  interest  rate 
exposure  and  have  interest  rate  adjustment  clauses  in  some  of  our  chartering  agreements,  we  are  exposed  to  fluctuations  in 
interest rates. For a portion of our floating rate debt, if interest rates rise, interest payments on our floating rate debt that we 
have not swapped into effectively fixed rates would increase.

As  of  December  31,  2020,  we  and  our  consolidated  subsidiaries  and  our  wholly-owned  subsidiaries  accounted  for  under  the 
equity  method  have  entered  into  interest  rate  swaps  which  fix  the  interest  on  approximately  $0.9  billion  of  our  outstanding 
indebtedness.

28

An increase in interest rates could cause us to incur additional costs associated with our debt service, which may materially and 
adversely  affect  our  results  of  operations.  Our  maximum  exposure  to  interest  rate  fluctuations  on  our  outstanding  debt  at 
December 31, 2020, was approximately $0.5 billion, including our equity-accounted subsidiaries.  A one percentage change in 
interest rates would, based on our estimates, increase or decrease interest rate exposure by approximately $5.4 million per year 
as of December 31, 2020.  The figure does not take into account that certain of our charter contracts include interest adjustment 
clauses, whereby the charter rate is adjusted to reflect the actual interest paid on a deemed outstanding debt related to the assets 
on  charter.  At  December  31,  2020,  $0.5  billion  of  our  floating  rate  debt  was  subject  to  such  interest  adjustment  clauses, 
including  our  equity-accounted  subsidiaries.  None  of  this  was  subject  to  interest  rate  swaps  and  the  balance  of  $0.5  billion 
remained on a floating rate basis. Our net exposure to floating rate debt is therefore $54.9 million.

The  interest  rate  swaps  that  have  been  entered  into  by  us  and  our  subsidiaries  are  derivative  financial  instruments  that 
effectively translate floating rate debt into fixed rate debt. US GAAP requires that these derivatives be valued at current market 
prices in our financial statements, with increases or decreases in valuations reflected in results of operations or, if the instrument 
is  designated  as  a  hedge,  in  other  comprehensive  income.  Changes  in  interest  rates  give  rise  to  changes  in  the  valuations  of 
interest rate swaps and could adversely affect results of operations and other comprehensive income.

Our liquidity may be affected during the period of the swap contracts arising from the requirement to pay collateral if current 
interest rates move significantly adversely compared to the swap interest rates.  This could have a material adverse effect on our 
liquidity, depending on the magnitude of the fluctuation. 

We may have difficulty managing our planned growth properly.

Since  our  original  acquisitions  from  Frontline,  we  have  expanded  and  diversified  our  fleet,  and  we  are  performing  certain 
administrative  services  through  our  wholly-owned  subsidiaries  SFL  Management  AS,  SFL  Management  (Bermuda)  Limited 
and Ship Finance Management (UK) Limited.

We intend to continue to expand our fleet.  We continuously evaluate potential transactions, which may include pursuit of other 
business combinations, the acquisition of vessels or related businesses, the expansion of our operations, repayment of existing 
debt,  share  repurchases,  short  term  investments  or  other  transactions  that  we  believe  will  be  accretive  to  earnings,  enhance 
shareholder  value  or  are  in  our  best  interests.  Our  future  growth  will  primarily  depend  on  our  ability  to  locate  and  acquire 
suitable assets or businesses, identify and consummate acquisitions or joint ventures, obtain required financing, integrate any 
acquired vessels and drilling units with our existing operations, enhance our customer base, and manage our expansion.

The growth in the size and diversity of our fleet will continue to impose additional responsibilities on our management, and 
may  present  numerous  risks,  such  as  undisclosed  liabilities  and  obligations,  difficulty  in  recruiting  additional  qualified 
personnel  and  managing  relationships  with  customers  and  suppliers,  and  integrating  newly  acquired  operations  into  existing 
infrastructures.  We  cannot  assure  you  that  we  will  be  successful  in  executing  our  growth  plans  or  that  we  will  not  incur 
significant expenses and losses in connection with our future growth.

We are highly leveraged and subject to restrictions in our financing agreements that impose constraints on our operating 
and financing flexibility.

We  have  significant  indebtedness  outstanding  under  our  senior  unsecured  convertible  notes  and  our  NOK  senior  unsecured 
bonds. We have also entered into loan facilities that we have used to refinance existing indebtedness and to acquire additional 
vessels.  We may need to refinance some or all of our indebtedness on maturity of our convertible notes, bonds or loan facilities 
and to acquire additional vessels in the future. We cannot assure you that we will be able to do so on terms acceptable to us or at 
all. If we cannot refinance our indebtedness, we will have to dedicate some or all of our cash flows, and we may be required to 
sell  some  of  our  assets,  to  pay  the  principal  and  interest  on  our  indebtedness.  In  such  a  case,  we  may  not  be  able  to  pay 
dividends to our shareholders and may not be able to grow our fleet as planned. We may also incur additional debt in the future.

Our loan facilities and the indentures for our convertible notes and bonds subject us to limitations on our business and future 
financing activities, including:

•
•
•
•

limitations on the incurrence of additional indebtedness, including issuance of additional guarantees;
limitations on incurrence of liens;
limitations on our ability to pay dividends and make other distributions; and
limitations on our ability to renegotiate or amend our charters, management agreements and other material agreements.

29

Further, our loan facilities contain financial covenants that require us to, among other things:

•

provide additional security under the loan facility or prepay an amount of the loan facility as necessary to maintain the fair 
market value of our vessels securing the loan facility at not less than specified percentages (ranging from 100% to 150%) 
of the principal amount outstanding under the loan facility;

• maintain available cash on a consolidated basis of not less than $25 million;
• maintain positive working capital on a consolidated basis; and
• maintain a ratio of total liabilities to adjusted total assets of less than 0.80.

Under the terms of our loan facilities, we may not make distributions to our shareholders if we do not satisfy these covenants or 
receive waivers from the lenders. We cannot assure you that we will be able to satisfy these covenants in the future.

Due to these restrictions, we may need to seek permission from our lenders in order to engage in some corporate actions. Our 
lenders'  interests  may  be  different  from  ours  and  we  cannot  guarantee  that  we  will  be  able  to  obtain  our  lenders'  permission 
when needed. This may prevent us from taking actions that are in our best interests.

Our debt service obligations require us to dedicate a substantial portion of our cash flows from operations to required payments 
on indebtedness and could limit our ability to obtain additional financing, make capital expenditures and acquisitions, and carry 
out other general corporate activities in the future. These obligations may also limit our flexibility in planning for, or reacting 
to, changes in our business and the shipping industry or detract from our ability to successfully withstand a downturn in our 
business or the economy generally. This may place us at a competitive disadvantage to other less leveraged competitors.

Furthermore, our debt agreements, including our bond agreements, contain cross-default provisions that may be triggered by a 
default under one of our other debt agreements. The cross default provisions imply that a failure by us as guarantor or issuer, to 
pay  any  financial  indebtedness  above  certain  thresholds  when  due,  or  within  any  applicable  grace  period,  could  result  in  a 
default under our other debt agreements.

The occurrence of any event of default, or our inability to obtain a waiver from our lenders in the event of a default, could result 
in certain or all of our indebtedness being accelerated or the foreclosure of the liens on our vessels by our lenders. If our secured 
indebtedness is accelerated in full or in part, it would be very difficult in the current financing environment for us to refinance 
our debt or obtain additional financing and we could lose our vessels and other assets securing our credit facilities if our lenders 
foreclose their liens, which would adversely affect our ability to conduct our business.

Moreover, in connection with any waivers of or amendments to our credit facilities that we have obtained, or may obtain in the 
future, our lenders may impose additional operating and financial restrictions on us or modify the terms of our existing credit 
facilities. These restrictions may further restrict our ability to, among other things, pay dividends, make capital expenditures or 
incur  additional  indebtedness,  including  through  the  issuance  of  guarantees.  Our  lenders  may  also  require  the  payment  of 
additional  fees,  require  prepayment  of  a  portion  of  our  indebtedness  to  them,  accelerate  the  amortization  schedule  for  our 
indebtedness  and  increase  the  interest  rates  they  charge  us  on  our  outstanding  indebtedness.  See  "Item  5.  Operating  and 
Financial Review and Prospects - B. Liquidity and Capital Resources.

In addition, under the terms of our credit facilities, our payment of dividends or other payments to shareholders as well as our 
subsidiaries' payment of dividends to us is subject to no event of default having occurred. See "Item 8. Financial Information -
Dividend Policy."

We may be subject to litigation that, if not resolved in our favor and not sufficiently insured against, could have a material 
adverse effect on us.

We may be, from time to time, involved in various litigation matters. These matters may include, among other things, contract 
disputes,  personal  injury  claims,  environmental  claims  or  proceedings,  asbestos  and  other  toxic  tort  claims,  employment 
matters, governmental claims for taxes or duties, and other litigation that arises in the ordinary course of our business. Although 
we  intend  to  defend  these  matters  vigorously,  we  cannot  predict  with  certainty  the  outcome  or  effect  of  any  claim  or  other 
litigation matter, and the ultimate outcome of any litigation or the potential costs to resolve them may have a material adverse 
effect on us. Insurance may not be applicable or sufficient in all cases and/or insurers may not remain solvent, which may have 
a material adverse effect on our financial condition.

30

The  failure  of  the  charterers  of  our  drilling  rigs  to  meet  their  obligations  to  us  under  our  lease  agreements,  or  material 
change to the terms of such agreements, could have a material adverse effect on our business, financial condition, results of 
operations  and  cash  flows,  ability  to  pay  dividends  to  our  shareholders  and  compliance  with  covenants  in  our  credit 
facilities.

In September 2017, Seadrill entered a restructuring plan, whereby the leases were revised, and subsequently entered Chapter 11 
proceedings from which it emerged in July 2018. The restructuring involved reducing the charter hire for all three leases in the 
short term and increasing charter hire in later years, and adjusting the purchase obligation/put option prices and extending the 
charter term for the leases of West Taurus and West Hercules. 

Despite  the  de-leveraging  and  improved  debt  terms,  the  oil  and  gas  market  remained  in  a  sustained  downturn  after  Seadrill 
emerged from Chapter 11 in summer 2018, even before the further damage caused by the dual demand and supply shock of the 
COVID-19  pandemic  and  the  OPEC-Russia  oil  price  war.  The  combination  of  these  external  forces  prevented  Seadrill  from 
reaping  the  benefits  of  the  prior  restructuring,  which  adversely  affected  the  Seadrill  Charterers'  ability  to  secure  drilling 
contracts  and,  therefore,  their  ability  to  make  lease  payments  to  us  and  resulted  in  the  bankruptcy  of  their  parent  company 
Seadrill and most of its subsidiaries. 

A significant portion of our net income and operating cash flows have been generated from our three leases with subsidiaries of 
Seadrill, which disclosed on February 10, 2021 that it and most of its subsidiaries filed Chapter 11 cases in the Southern District 
of Texas, USA (the "Chapter 11 Proceedings"). 

In  connection  with  Seadrill's  Chapter  11  Proceedings,  SFL  and  certain  of  its  subsidiaries  have  entered  into  court  approved 
interim  agreements  relating  to  two  of  the  Company's  drilling  rigs  that  are  chartered  to  subsidiaries  of  Seadrill  to  ensure 
uninterrupted performance on the sub-charters to oil majors. Pursuant to these agreements, Seadrill will be allowed to use funds 
received from the respective sub-charterers to pay a fixed level of operating and maintenance expenses in additional to general 
and  administrative  costs.  In  exchange,  SFL  will  receive  approximately  65  -75%  of  the  lease  hire  under  the  existing  charter 
agreements for West Linus and West Hercules for the same period. 

Any excess amounts paid under the above referenced sub-charters will remain in Seadrill's earnings accounts, pledged to SFL. 

With regards to the third rig, West Taurus, the lease has been rejected by the court and the rig will be redelivered to SFL within 
approximately  three  months.  This  rig  is  debt  free  and  has  been  held  in  layup  by  Seadrill  for  more  than  five  years.  SFL  is 
currently  evaluating  strategic  alternatives  for  this  rig,  including  potential  recycling  at  an  EU  approved  recycling  facility.  As 
previously disclosed, in October 2020, we had agreed with our financing banks to repurchase the bank loan on the idle drilling 
rig West Taurus, at a discount of 62% of the outstanding balance. The Company repurchased the total debt outstanding under 
the  facility  of  $176.1  million  for  $110.0  million  and  recognized  a  gain  on  debt  extinguishment  of  $66.1  million  in  the  year 
ended  December  31,  2020.  The  rig  is  now  debt  free  following  the  full  settlement  of  the  loan.  In  connection  with  the  West 
Taurus, SFL recorded a net negative book adjustment of approximately $186.5 million in the fourth quarter of 2020, inclusive 
of the gain on the redemption of the bank debt.

In the fourth quarter of 2020, we negotiated amended terms for the financing agreement relating to the harsh environment jack-
up rig West Linus, pursuant to which we will provide a corporate guarantee for the entire outstanding loan amount, in exchange 
for more flexible financing terms. The rig is employed on a sub-charter by Seadrill to an oil major throughout 2028. The terms 
of the loan relating to West Hercules remain unchanged.

As previously announced, Seadrill's failure to pay hire under the leases for the Company's drilling rigs when due, along with 
certain other events, including the commencement of its Chapter 11 Proceedings, constitute events of default under such leases 
and the related financing agreements. Unless cured or waived, an event of default under a lease agreements or related financing 
agreements  could  result  in  enforcement  of  the  applicable  provisions  thereunder,  including  making  payments  under  certain 
guarantees of the loan facilities relating to our drilling rigs.

The failure of the charterers of our drilling rigs to meet their respective obligations to us under our existing lease agreements, 
including a rejection of such leases which could lead to a redelivery of all or some the rigs, in the Chapter 11 Proceedings or 
any material changes to the commercial terms of such agreements, including reductions in the charter rates payable to us, or any 
material payments that we are required to make under our guarantees or any acceleration of our debt as a result of an event of 
default thereunder would likely have material adverse effect on our business, financial condition, results of operations and cash 
flows, ability to pay dividends to our shareholders and compliance with covenants in our credit facilities.

31

Risks Relating to Our Common Shares

We are a holding company, and we depend on the ability of our subsidiaries to distribute funds to us in order to satisfy our 
financial and other obligations and to make dividend payments.

We are a holding company, and have no significant assets other than the equity interests in our subsidiaries. Our subsidiaries 
own all of our vessels and drilling units, and payments under our charter agreements are made to our subsidiaries. As a result, 
our  ability  to  make  distributions  to  our  shareholders  depends  on  the  performance  of  our  subsidiaries  and  their  ability  to 
distribute funds to us. The ability of a subsidiary to make these distributions could be affected by a claim or other action by a 
third party or by the law of its respective jurisdiction of incorporation which regulates the payment of dividends by companies. 
Under the terms of our credit facilities, we may be restricted from making distributions from our subsidiaries if they are not in 
compliance with the terms of the relevant agreements. If we are unable to obtain funds from our subsidiaries, we will not be 
able to pay dividends to our shareholders.

The market price of our common shares may be unpredictable and volatile.

The market price of our common shares has been volatile. For the year ended December 31, 2020, the closing market price of 
our common shares ranged from a high of $14.76 on January 9, 2020, to a low of $5.92 on December 22, 2020. The market 
price of our common shares may continue to fluctuate due to factors such as actual or anticipated fluctuations in our quarterly 
and annual results and those of other public companies in our industry, changes in key management personnel, any reductions 
in the payment of our dividends or changes in our dividend policy, mergers and strategic alliances in the shipping and offshore 
industries,  market  conditions  in  the  shipping  and  offshore  industries,  changes  in  government  regulation,  shortfalls  in  our 
operating results from levels forecast by securities analysts, perceived or actual inability by our chartering counterparts to fully 
perform under the charter parties, including the Seadrill Charterers and Frontline Shipping announcements concerning us or our 
competitors and the general state of the securities market. The shipping and offshore industries have been highly unpredictable 
and  volatile.  The  market  for  common  shares  in  these  industries  may  be  equally  volatile.  The  market  volatility  in  equities 
remains high. Therefore, we cannot assure you that you will be able to sell any of our common shares you may have purchased 
at a price greater than or equal to its original purchase price, also when adjusted for any dividends. Additionally, to the extent 
that the price of our common shares declines, our ability to raise funds through the issuance of equity, or otherwise using our 
common shares as consideration, will be reduced.

Future  sales  of  our  common  shares  or  conversion  of  our  convertible  notes  could  cause  the  market  price  of  our  common 
shares to decline.

The  market  price  of  our  common  shares  could  decline  due  to  sales  of  a  large  number  of  our  shares  in  the  market  or  the 
perception  that  such  sales  could  occur  or  conversion  of  our  convertible  notes.  This  could  depress  the  market  price  of  our 
common  shares  and  make  it  more  difficult  for  us  to  sell  equity  securities  in  the  future  at  a  time  and  price  that  we  deem 
appropriate, or at all.

Because we are a foreign corporation, you may not have the same rights as a shareholder in a U.S. corporation may have.

We  are  a  Bermuda  exempted  company.  Our  Memorandum  of  Association  and  Bye-Laws  and  the  Bermuda  Companies  Act 
1981, as amended, govern our affairs. Investors may have more difficulty in protecting their interests and enforcing judgments 
in  the  face  of  actions  by  our  management,  directors  or  controlling  shareholders  than  would  shareholders  of  a  corporation 
incorporated in a United States jurisdiction. Under Bermuda law a director generally owes a fiduciary duty only to the company 
and  not  to  the  company's  shareholders.  Our  shareholders  may  not  have  a  direct  course  of  action  against  our  directors.  In 
addition, Bermuda law does not provide a mechanism for our shareholders to bring a class action lawsuit under Bermuda law. 
Further, our Bye-laws provide for the indemnification of our directors or officers against any liability arising out of any act or 
omission except for an act or omission constituting fraud, dishonesty or illegality.

32

Because our offices and the majority of our assets are located outside the United States, you may not be able to bring suit 
against us, or enforce a judgment obtained against us in the United States.

Our executive offices, administrative activities and the majority of our assets are located outside the United States. In addition, 
most  of  our  directors  and  officers  are  not  resident  in  the  United  States.  As  a  result,  it  may  be  more  difficult  for  investors  to 
effect service of process within the United States upon us, or to enforce both in the United States and outside the United States 
judgments against us in any action, including actions predicated upon the civil liability provisions of the federal securities laws 
of the United States.

ITEM 4. 

INFORMATION ON THE COMPANY

A. HISTORY AND DEVELOPMENT OF THE COMPANY

The Company

We  are  SFL  Corporation  Ltd.  a  Bermuda-based  company  incorporated  in  Bermuda  on  October  10,  2003,  as  a  Bermuda 
exempted company under the Bermuda Companies Law of 1981 (Company No. EC-34296). We are engaged primarily in the 
ownership  and  operation  of  vessels  and  offshore  related  assets,  and  also  involved  in  the  charter,  purchase  and  sale  of 
assets.  Our registered and principal executive offices are located at Par-la-Ville Place, 14 Par-la-Ville Road, Hamilton, HM 08, 
Bermuda, and our telephone number is +1 (441) 295-9500. The SEC maintains an Internet site that contains reports, proxy and 
information statements, and other information regarding issuers that file electronically with the SEC. The address of the SEC’s 
internet site is www.sec.gov. None of the information contained on these websites is incorporated into or forms a part of this 
annual report.

We  operate  through  subsidiaries  located  in  Bermuda,  Cyprus,  Liberia,  Norway,  Singapore,  the  United  Kingdom  and  the 
Marshall Islands.

We are an international ship owning and chartering company with a large and diverse asset base across the maritime, renewable 
and offshore asset classes and business sectors. As at March 22, 2021, our assets consist of five crude oil tankers, 22 dry bulk 
carriers, 48 container vessels (including seven leased-in vessels), two car carriers, one jack-up drilling rig, two ultra-deepwater 
drilling units, two chemical tankers and two oil product tankers included in our wholly owned and partly owned subsidiaries 
and associated companies. 

Our primary objective is to continue to grow our business through accretive acquisitions across a diverse range of marine and 
offshore asset classes. In doing so, our strategy is to generate stable and increasing cash flows by chartering our assets primarily 
under medium to long-term bareboat or time charters.

History of the Company

We  were  formed  in  2003  as  a  wholly  owned  subsidiary  of  Frontline,  a  major  operator  of  large  crude  oil  tankers.  In  2004, 
Frontline  distributed  25%  of  our  common  shares  to  its  ordinary  shareholders  in  a  partial  spin  off,  and  our  common  shares 
commenced  trading  on  the  New  York  Stock  Exchange,  or  the  NYSE,  under  the  ticker  symbol  "SFL"  on  June  14,  2004. 
Frontline subsequently made six further dividends of our shares to its shareholders and its ownership in our Company is now 
less than one percent. Our assets at the time consisted of a fleet of Suezmax tankers, VLCCs, and oil/bulk/ore carriers.

Since  2004,  we  have  diversified  our  asset  base  and  now  have  eight  asset  types,  which  comprise  crude  oil  tankers,  chemical 
tankers, oil product tankers, container vessels, car carriers, dry bulk carriers, jack-up drilling rigs and ultra-deepwater drilling 
units. In addition, we have certain financial investments.

33

 
Acquisitions and Disposals

Acquisitions

In the year ended December 31, 2020, we took delivery of the following vessels:

•

In May 2020, we acquired and took delivery of a 2020-built 308,000 dwt VLCC - Landbridge Wisdom. Upon delivery, the 
vessel immediately commenced a seven year bareboat charter to Landbridge.

We have not taken delivery of any new vessels between December 31, 2020 and March 22, 2021. 

In  March  2021,  the  Company  agreed  to  purchase  a  container  vessel  with  a  long  term  charter  to  a  leading  container  liner 
operator. The delivery is expected to take place in the third quarter of 2021.

Disposals

In the year ended December 31, 2020, we disposed of the following vessels:

•  

In February 2020, we delivered the 2002-built VLCC Front Hakata to an unrelated third party for sale proceeds of $33.5 
million. Furthermore, we agreed with Frontline Shipping Limited (“FSL”), to terminate the long-term charter for the vessel 
upon the sale and delivery and paid $3.2 million compensation to FSL for early termination of the charter. In addition, we 
received $19.9 million in settlement of the loan notes due from Frontline Ltd ("Frontline") and Frontline Shipping which 
were received following the sale of Front Circassia, Front Page, Front Stratus, Front Serenade and Front Ariake in 2018. 
We recognized a gain of $4.4 million related to these transactions, in the first quarter of 2020.

•

•

•

•

In February 2020, SFL agreed with Solstad to terminate the charter agreements for three of our offshore support vessels. 
Consequently, we delivered Sea Cheetah and Sea Jaguar to an unrelated third party for gross sale proceeds of $3.0 million. 
Sea Leopard has been sold for recycling to Green Yard AS and was delivered in May 2020. The recycling of the vessel was 
in accordance with the European Ship Recycling Regulation.

In March 2020, SFL terminated the charters of, and delivered Sea Halibut and Sea Pike to an unrelated third party for gross 
sales proceeds of $1.5 million. Following these sales, the Company no longer owns any offshore support vessels.

On  August  18,  2020,  the  Company  redelivered  two  VLCCs  leased  to  Hunter  Group  ASA  (“Hunter  Group”)  after 
declaration of purchase options. Net proceeds of $117.8 million were received and debt of $95.0 million was repaid. 

On November 11, 2020, the Company redelivered the last VLCC leased to Hunter Group after declaration of a purchase 
option. Net proceeds of $58.4 million were received and debt of $47.5 million was repaid. 

We have not disposed of any vessel between December 31, 2020 and March 22, 2021.

Disposal of subsidiaries 

River  Box  Holding  Inc.  (“River  Box”)  was  a  previously  wholly  owned  subsidiary  of  the  Company.  River  Box  holds 
investments in direct financing leases, through its subsidiaries, related to the 19,200 and 19,400 TEU containerships MSC Anna, 
MSC Viviana, MSC Erica and MSC Reef. On December 31, 2020, we sold 50.1% of the shares of River Box to a subsidiary of 
Hemen Holding Limited ("Hemen"), a related party. Net proceeds of $17.5 million were received for the shares, resulting in a 
net  gain  of  $1.9  million  on  the  sale.  We  deconsolidated  River  Box  and  accounted  for  the  remaining  49.9%  ownership  as  an 
investment in an associated company.

Corporate Debt

In January 2020, the Company raised NOK600 million, equivalent to approximately $67 million, through a new five year senior 
unsecured bond loan. The bond bears a coupon of NIBOR plus a margin.

During the first quarter of 2020, SFL bought back approximately $32.4 million of its own debt securities at a discount. 

During  April  and  May  2020,  the  Company  generated  cash  proceeds  of  $21.1  million  from  the  sale  of  forward  contracts  for 
approximately 2.0 million shares in Frontline.

34

At  December  31,  2020,  SFL  held  1.4  million  shares  of  Frontline  which  were  subject  to  a  forward  contract  which  expired  in 
January of 2021, and has subsequently been rolled over to April 2021. The transaction is accounted for as shares recorded in 
'Investment in debt and Equity securities' pledged to creditors and a liability recorded in short-term debt of $15.6 million related 
to  this  contract  at  December  31,  2020.  The  Company  is  required  to  post  collateral  which  was  held  as  restricted  cash  as  of 
December 31, 2020.  

On June 22, 2020, the Company redeemed and repaid the remaining balance on its NOK500 million bonds.  

Share Options 

In  January  2020,  stock  options  were  exercised  pursuant  to  the  Company's  Share  Option  Scheme.  As  a  result,  6,869  new 
common shares were issued.

Charter Extensions and Changes

In December 2019, we entered into amendments to the charter agreements with Golden Ocean whereby we agreed to fund the 
installation  of  scrubbers  to  be  fitted  on  seven  Capesize  bulk  carriers  in  exchange  for  increased  charter  rates  from  January  1, 
2020 to June 30, 2025. The profit share threshold will be unaffected by the amendment. 

In March 2020, we agreed to extend the charters on the three 9,300 to 9,500 TEU container vessels on time charter to Maersk. 
The initial five-year charters were extended by an additional 43-45 month period at a revised charter rate. As part of the charter 
agreement we agreed to finance the scrubbers to be installed on these vessels and we will receive a share of the cost savings 
achieved by the charterer on fuel costs from using the scrubbers.

In March 2020, we agreed to extend the charters on the seven 2002 built 4,100 TEU container vessels on charters to MSC. The 
initial  charters  were  extended  until  2025  at  a  revised  charter  hire  and  the  effective  date  of  the  revised  contracts  was  July  1, 
2020. 

Seadrill Charters, Associate Debt and Consolidation

SFL  Deepwater  Ltd  ("SFL  Deepwater"),  SFL  Hercules  Ltd  ("SFL  Hercules")  and  SFL  Linus  Ltd  ("SFL  Linus")  are  wholly 
owned entities of SFL and each own the drilling units West Taurus, West Hercules and West Linus respectively. These units are 
leased to subsidiaries of Seadrill Limited (“Seadrill”), a related party. These entities were previously determined to be variable 
interest  entities  in  which  SFL  was  determined  not  to  be  the  primary  beneficiary  and  these  entities  were  accounted  for  as 
investments in associated companies.  

During the year ended December 31, 2020, Seadrill publicly disclosed that they had appointed financial and legal advisors to 
evaluate comprehensive restructuring alternatives to reduce debt service costs and overall indebtedness. 

In September and October 2020, Seadrill failed to pay hire when due under the leases for the three drilling unit. The overdue 
hires along with certain other events, constituted an event of default under such leases and the related financing agreements. 

Under  the  terms  of  the  leases,  charter  payment  from  the  sub-charterers  of  West  Hercules  and  West  Linus,  were  paid  into 
accounts  pledged  to  SFL  and  its  financing  banks.  During  November  and  December  2020,  Seadrill  and  SFL  entered  into 
forbearance and funds withdrawal agreements during which Seadrill was allowed to use certain funds received from the sub-
charterers  to  pay  operating  expenses  for  the  rigs  in  exchange  for  the  Company  being  paid  approximately  65  -75%  of  the 
existing contracted lease hire related to the West Hercules and the West Linus. Any hire received by Seadrill relating to the sub-
charters on these two rigs in excess of the withdrawn amounts remained in Seadrill’s earnings accounts pledged to SFL

In October 2020, the Company repurchased the total debt outstanding of $176.1 million under the $390.0 million term loan and 
revolving credit facility in SFL Deepwater for $110.0 million and recognized a gain on debt extinguishment of $66.1 million. 
The  carrying  value  of  the  West  Taurus  drilling  unit,  of  $258.1  million,  was  determined  to  be  impaired  and  an  impairment 
charge of $252.6 million was recorded in the year ended December 31, 2020 against the carrying value of the drilling unit. 

35

In addition, in October 2020, the Company agreed to fully guarantee the $475.0 million term loan and revolving credit facility 
in SFL Linus which has an outstanding balance of $216.0 million at December 31, 2020. 

In  October  2020,  the  Company  was  determined  to  be  the  primary  beneficiary  of  SFL  Linus  and  SFL  Deepwater  following 
changes  to  the  financing  agreements  and  as  a  result  of  defaults  by  Seadrill.  Therefore,  from  October  2020  these  subsidiaries 
were consolidated by the Company. SFL Hercules continued to be equity accounted at December 31, 2020. 

In February 2021, Seadrill and most of its subsidiaries filed Chapter 11 cases in the Southern District of Texas. SFL and certain 
of its subsidiaries have entered into court approved interim agreements with Seadrill relating to two of the Company’s drilling 
rigs, West Linus and West Hercules, allowing for the uninterrupted performance of sub-charters to oil majors while the Chapter 
11 process is ongoing. Pursuant to these agreements, Seadrill will be allowed to use funds received from the respective sub-
charterers  to  pay  a  fixed  level  of  operating  and  maintenance  expenses  in  additional  to  general  and  administrative  costs.  In 
exchange, SFL will receive approximately  65 - 75% of the lease hire under the existing charter agreements for West Linus and 
West Hercules for the same period. With regards to the third rig, West Taurus, the lease has been rejected by the court and the 
rig will be redelivered to SFL within approximately three months. This rig is debt free and has been held in layup by Seadrill 
for more than five years. SFL is currently evaluating strategic alternatives for this rig, including potential recycling at an EU 
approved recycling facility. 

Please  also  refer  to  Risk  Factor  regarding  The  failure  of  the  charterers  of  our  drilling  rigs  to  meet  their  obligations  to  us 
under our lease agreements, or material change to the terms of such agreements, could have a material adverse effect on 
our  business,  financial  condition,  results  of  operations  and  cash  flows,  ability  to  pay  dividends  to  our  shareholders  and 
compliance with covenants in our credit facilities.

Dividend Reinvestment Plan ("DRIP") and At-the-Market Sales Agreement ("ATM")

In  April,  2020,  the  Board  of  Directors  authorized  a  renewal  of  our  dividend  reinvestment  plan,  or  DRIP,  to  facilitate 
investments by individual and institutional shareholders who wish to invest dividend payments received on shares owned, or 
other cash amounts, in SFL’s Common Shares on a regular or one time basis, or otherwise. On May 1, 2020, the Company filed 
a registration statement on Form F-3D (Registration No. 333-237970) to register the sale of up to 10,000,000 Common Shares 
pursuant to the DRIP. If certain waiver provisions in the DRIP are requested and granted pursuant to the terms of the plan, we 
may grant additional share sales to investors, from time to time, up to the amount registered under the plan. 

In May 2020, we entered into an equity distribution agreement with BTIG LLC ("BTIG") under which the Company may, from 
time to time, offer and sell new ordinary shares having aggregate sales proceeds of up to $100.0 million through an ATM.  

During the year ended December 31, 2020, we issued and sold 8.4 million shares under these arrangements, total net proceeds 
of $61.5 million were received.

In January 2021, the Company issued 0.3 million new shares pursuant to the Company's dividend reinvestment plan and At-the-
Market Sales Agreement offering.

Authorized Share Capital

At the Annual General Meeting of the Company held in August 2020, a resolution was passed to approve an increase of the 
Company’s  authorized  share  capital  from  $2,000,000  divided  into  200,000,000  common  shares  of  $0.01  par  value  each  to 
$3,000,000 divided into 300,000,000 common shares of $0.01 par value each by the authorization of an additional 100,000,000 
common shares of $0.01 par value each.

36

Dividend

On May 20, 2020, the Board of Directors of the Company declared a dividend of $0.25 per share, which was paid in cash on or 
around June 30, 2020.

On August 18, 2020, the Board of Directors of the Company declared a dividend of $0.25 per share, which was paid in cash on 
or around September 30, 2020.

On November 12, 2020, the Board of Directors of the Company declared a dividend of $0.15 per share, which will be paid in 
cash on or around December 30, 2020.

On February 17, 2021, the Board of Directors of the Company declared a dividend of $0.15 per share which will be paid in cash 
on or around March 30, 2021.

Other Income

In February 2020, we received $19.9 million in settlement of the loan notes which were received following the sale of Front 
Circassia, Front Page, Front Stratus, Front Serenade and Front Ariake in 2018. We recognized a gain of $4.4 million in the 
first quarter of 2020. 

On  October  20,  2020,  Solstad  Offshore  ASA  ("Solstad")  held  an  extraordinary  general  meeting  (“EGM”)  to  approve  its 
proposed debt restructuring to partly compensate stakeholders for prior losses incurred in connection with their failure to meet 
obligations  on  certain  loans  and  lease  agreements.  SFL  received  4.4  million  shares  in  Solstad  and  cash  compensation  of 
NOK10 million ($1.1 million). The shares were subsequently sold by the Company and a gain of $2.6 million on the sale of the 
shares and the $1.1 million cash compensation were recorded in the Statement of Operations in the year ended December 31, 
2020. 

In March 2021, the Company received a capital dividend of approximately $8.8 million from ADS Maritime Holding following 
the sale of its remaining two vessels. Also in March 2021, the Company sold its remaining shares in ADS Maritime Holding for 
a consideration of approximately $0.8 million. 

COVID-19 Pandemic

On January 30, 2020, the International Health Regulations Emergency Committee of the World Health Organization declared 
the  outbreak  a  “public  health  emergency  of  international  concern.”  following  the  outbreak  of  a  new  strain  of  coronavirus, 
("COVID-19"), that was first identified in Wuhan, China in December 2019. The COVID-19 pandemic has reported to have 
spread to over 100 countries and efforts to stop the spread has caused restrictions on the movement of people and is affecting 
business operations worldwide including, but not limited to, supply chains, trade, employees (including the risk of sickness and 
crew change restrictions), travel including port restrictions and border closures, financial markets and commodity prices. The 
Company’s  business  could  be  materially  and  adversely  affected  by  this  pandemic  and  the  Company  is  unable  to  reasonably 
predict the estimated length or severity of the COVID-19 pandemic on future operating results.

In response to the pandemic, many countries, cities, ports and organizations, including those where the Company conducts a 
large  part  of  its  operations,  have  implemented  measures  to  combat  the  pandemic,  such  as  quarantines  and  travel  restrictions. 
Such  measures  have  caused  and  will  likely  continue  to  cause  severe  trade  disruptions.  The  extent  to  which  COVID-19  will 
impact  the  Company's  results  of  operations  and  financial  condition,  including  possible  vessel  impairments,  will  depend  on 
future developments including new information which may emerge concerning the severity of the virus, any resurgence of the 
virus, and the actions to contain or treat its impact, among others. Accordingly, an estimate of the impact cannot be made at this 
time.

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B. BUSINESS OVERVIEW

Our Business Strategies

Our primary objectives are to profitably grow our business and increase long-term distributable cash flow per share by pursuing 
the following strategies:

(1) Expand  our  asset  base.    We  have  increased,  and  intend  to  further  increase,  the  size  of  our  asset  base  through 
timely and selective acquisitions of additional assets and businesses that we believe will be accretive to long-term 
distributable cash flow per share. We will seek to expand our asset base through various transactions including, 
placing  newbuilding  orders,  acquiring  second-hand  vessels  and  entering  into  medium  or  long-term  charter 
arrangements. We also make financial investments or provide loans secured by vessels, rigs and or other assets in 
the  wider  maritime  industry.  From  time  to  time  we  may  also  acquire  vessels  with  no  or  limited  initial  charter 
coverage. We believe that by entering into newbuilding contracts or acquiring second-hand vessels or rigs we can 
provide  for  long-term  growth  of  our  assets.  We  may  also  seek  new  investment  opportunities,  including 
technologies  and  assets  with  a  positive  impact  on  the  environment  with  an  overall  aim  of  reducing  the 
Company’s carbon footprint in line with the UN sustainable development goals.

(2) Diversify our asset base.  Since 2004, we have diversified our asset base and now have the following asset types, 
which comprise crude oil tankers, chemical tankers, oil product tankers, container vessels, car carriers, dry bulk 
carriers, jack-up drilling rigs and ultra-deepwater drilling units. We believe that there are other attractive markets 
that could provide us with the opportunity to further diversify our asset base. These markets include vessels and 
other assets that are of long-term strategic importance to certain operators in the shipping and offshore industries. 
We believe that the expertise and relationships of our management, together with our relationship and affiliation 
with Mr. John Fredriksen, could provide us with incremental opportunities to expand our asset base.

(3) Expand and diversify our customer relationships.  Since 2004, we have increased our customer base from one 
to  more  than  10  customers.  Of  these  long  term  customers,  Frontline  Shipping,  Seadrill  and  Golden  Ocean  are 
related  parties.  We  intend  to  continue  to  expand  our  relationships  with  our  existing  customers  and  also  to  add 
new customers, as companies servicing the international shipping and offshore oil exploration markets continue 
to expand their use of chartered-in assets to add capacity.

(4) Pursue medium to long-term fixed-rate charters.  We intend to continue to pursue medium to long-term fixed 
rate charters, which provide us with stable future cash flows.  Our customers typically employ long-term charters 
for  strategic  expansion  as  most  of  their  assets  are  typically  of  strategic  importance  to  certain  operating  pools, 
established  trade  routes  or  dedicated  oil-field  installations.  We  believe  that  we  will  be  well  positioned  to 
participate  in  their  growth.  In  addition,  we  will  also  seek  to  enter  into  charter  agreements  that  are  shorter  and 
provide  for  profit  sharing,  so  that  we  can  generate  incremental  revenue  and  share  in  the  upside  during  strong 
markets.

Customers

As  at  March  22,  2021,  our  customers  includes,  among  others,  Frontline  Shipping  Limited  (“Frontline  Shipping”),  Seadrill 
Limited  (“Seadrill”),  Golden  Ocean  Group  Limited  (“Golden  Ocean”),  SC  Shipping  (Shanghai)  Co.  Ltd  (“SC  Shipping”), 
Hyundai  Glovis  Co.  Ltd.  (“Hyundai  Glovis”),  Sinotrans  Shipping  Limited  (“Sinotrans”),  Maersk  A/S  (“Maersk”),  Maersk 
Sealand Pte Ltd, MSC Mediterranean Shipping Company S.A. and its affiliate Conglomerate Shipping Ltd. (“MSC”), Phillips 
66 Company (“Phillips 66”), Landbridge Group Co. Ltd and its subsidiaries (“Landbridge”) and Evergreen Marine Corporation 
(Taiwan) Ltd. and its affiliate Evergreen Marine (Singapore) Pte Ltd (“Evergreen”).

In the year ended December 31, 2020, Frontline Shipping accounted for 6% of our consolidated operating revenues (2019: 4%, 
2018:  8%).  In  the  year  ended  December  31,  2020,  we  had  eight  Capesize  dry  bulk  carriers  leased  to  a  subsidiary  of  Golden 
Ocean which accounted for approximately 11% of our consolidated operating revenues (2019: 11%, 2018: 13%). 

We also earned income from 32 container vessels on long-term bareboat charters to MSC, which accounted for approximately 
13% of our consolidated operating revenues in the year ended December 31, 2020 (2019: 14%, 2018: 11%).

We had 12 container vessels on long-term time charters to Maersk at December 31, 2020, which accounted for approximately 
29% of our consolidated operating revenues (2019: 30%; 2018: 27%).

38

 
 
We also had four container vessels on time charter to Evergreen Marine Corp., which accounted for approximately 15% of our 
consolidated operating revenues in the year ended December 31, 2020 (2019: 14%, 2018: 10%).

Our  income  earned  from  Seadrill  was  partly  earned  from  drilling  units  leased  to  Seadrill  through  three  wholly  owned 
subsidiaries  which  were  accounted  for  using  the  equity  method.  In  October  2020,  two  of  the  three  subsidiaries  were 
consolidated. (See details in risk factors and history and developments above). In the year ended December 31, 2020, income 
from associated companies accounted for 7.2% of our net loss (2019: 35.0% of net income, 2018: 39.1% of net income). Also, 
in  the  year  ended  December  31,  2020,  revenue  from  subsidiaries  that  were  consolidated  from  October  2020  and  leased  to 
Seadrill, accounted for approximately 1% of our consolidated operating revenues (2019: 0%, 2018: 0%).

Competition

We currently operate in several sectors of the maritime, shipping and offshore industry, including oil transportation, dry bulk 
shipments, chemical transportation, oil products transportation, container transportation, car transportation and drilling rigs. 

The  markets  for  international  seaborne  oil  transportation  services,  dry  bulk  transportation  services,  and  container  and  car 
transportation services are highly fragmented and competitive. Seaborne oil transportation services are generally provided by 
two main types of operators: major oil companies or captive fleets (both private and state-owned) and independent shipowner 
fleets.

In  addition,  several  owners  and  operators  pool  their  vessels  together  on  an  ongoing  basis,  and  such  pools  are  available  to 
customers  to  the  same  extent  as  independently  owned  and  operated  fleets.  Many  major  oil  companies  and  other  commodity 
carriers also operate their own vessels and use such vessels not only to transport their own cargoes but also to transport cargoes 
for third parties, in direct competition with independent owners and operators.

Container vessels and car carriers are generally operated by logistics companies, where the vessels are used as an integral part 
of their services. Therefore, container vessels and car carriers are typically chartered more on a period basis and single voyage 
chartering  is  less  common.  As  the  market  has  grown  significantly  over  recent  decades,  we  expect  in  the  future  to  see  more 
vessels chartered by logistics companies on a shorter term basis, particularly smaller vessels.

Our jack-up drilling rig and one of our ultra-deepwater drilling units are sub-chartered out on long-term charters to oil majors. 
Jack-up drilling rigs and ultra-deepwater drilling units are normally chartered by oil companies on a shorter-term basis linked to 
area-specific  well  drilling  or  oil  exploration  activities,  but  there  have  also  been  longer  period  charters  available  when  oil 
companies want to cover their longer term requirements for such rigs. Ultra-deepwater semi-submersible drilling rigs are self-
propelled,  and  can  therefore  easily  move  between  geographic  areas.  Jack-up  drilling  rigs  are  not  self-propelled,  but  it  is 
common to move these assets over long distances on heavy-lift vessels. Therefore, the markets and competition for these rigs 
are effectively world-wide.

Competition  for  charters  in  all  the  above  sectors  is  intense  and  is  based  upon  price,  location,  size,  age,  condition  and 
acceptability  of  the  vessel/rig  and  its  technical  and  commercial  managers.  Competition  is  also  affected  by  the  availability  of 
other sized vessels/rigs to compete in the trades in which we engage. Most of our existing vessels are chartered at fixed rates on 
a long-term basis and are thus not directly affected by competition in the short-term. However, tankers chartered to Frontline 
Shipping and dry bulk carriers chartered to the Golden Ocean Charterer are subject to profit sharing agreements, which will be 
affected by competition experienced by the charterers.

Environmental and Other Regulations in the Shipping Industry

Government regulation and laws significantly affect the ownership and operation of our fleet. We are subject to international 
conventions  and  treaties,  national,  state  and  local  laws  and  regulations  in  force  in  the  countries  in  which  our  vessels  may 
operate or are registered relating to safety and health and environmental protection including the storage, handling, emission, 
transportation and discharge of hazardous and non-hazardous materials, and the remediation of contamination and liability for 
damage  to  natural  resources.  Compliance  with  such  laws,  regulations  and  other  requirements  entails  significant  expense, 
including vessel modifications and implementation of certain operating procedures.

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A variety of government and private entities subject our vessels to both scheduled and unscheduled inspections. These entities 
include  the  local  port  authorities  (applicable  national  authorities  such  as  the  United  States  Coast  Guard  (“USCG”),  harbor 
master  or  equivalent),  classification  societies,  flag  state  administrations  (countries  of  registry)  and  charterers,  particularly 
terminal operators. Certain of these entities require us to obtain permits, licenses, certificates and other authorizations for the 
operation of our vessels. Failure to maintain necessary permits or approvals could require us to incur substantial costs or result 
in the temporary suspension of the operation of one or more of our vessels.

Increasing environmental concerns have created a demand for vessels that conform to stricter environmental standards. We are 
required  to  maintain  operating  standards  for  all  of  our  vessels  that  emphasize  operational  safety,  quality  maintenance, 
continuous training of our officers and crews and compliance with United States and international regulations. We believe that 
the operation of our vessels is in substantial compliance with applicable environmental laws and regulations and that our vessels 
have  all  material  permits,  licenses,  certificates  or  other  authorizations  necessary  for  the  conduct  of  our  operations.  However, 
because such laws and regulations frequently change and may impose increasingly stricter requirements, we cannot predict the 
ultimate cost of complying with these requirements, or the impact of these requirements on the resale value or useful lives of 
our vessels. In addition, a future serious marine incident that causes significant adverse environmental impact could result in 
additional legislation or regulation that could negatively affect our profitability.

Flag State

The  flag  state,  as  defined  by  the  United  Nations  Convention  on  the  Law  of  the  Sea,  is  responsible  for  implementing  and 
enforcing  a  broad  range  of  international  maritime  regulations  with  respect  to  all  ships  granted  the  right  to  fly  its  flag.  The 
"Shipping  Industry  Guidelines  on  Flag  State  Performance"  evaluates  flag  states  based  on  factors  such  as  ratification, 
implementation  and  enforcement  of  principal  international  maritime  treaties,  supervision  of  surveys,  compliance  with 
International  Labour  Organization  reporting,  and  participation  at  IMO  meetings.  Our  vessels  are  flagged  in  Liberia,  the 
Marshall Islands, Panama, Hong Kong, Portugal and Norway.

International Maritime Organization

The  International  Maritime  Organization,  the  United  Nations  agency  for  maritime  safety  and  the  prevention  of  pollution  by 
vessels (the “IMO”), has adopted the International Convention for the Prevention of Pollution from Ships, 1973, as modified by 
the Protocol of 1978 relating thereto, collectively referred to as MARPOL 73/78 and herein as “MARPOL,” the International 
Convention for the Safety of Life at Sea of 1974 (“SOLAS Convention”), and the International Convention on Load Lines of 
1966  (the  “LL  Convention”).  MARPOL  establishes  environmental  standards  relating  to  oil  leakage  or  spilling,  garbage 
management,  sewage,  air  emissions,  handling  and  disposal  of  noxious  liquids  and  the  handling  of  harmful  substances  in 
packaged  forms.  MARPOL  is  applicable  to  drybulk,  tanker  and  LNG  carriers,  among  other  vessels,  and  is  broken  into  six 
Annexes, each of which regulates a different source of pollution. Annex I relates to oil leakage or spilling; Annexes II and III 
relate to harmful substances carried in bulk in liquid or in packaged form, respectively; Annexes IV and V relate to sewage and 
garbage management, respectively; and Annex VI, lastly, relates to air emissions. Annex VI was separately adopted by the IMO 
in September of 1997; new emission standards titled IMO-2020 took effect on January 1, 2020.  

In 2012, IMO's Marine Environmental Protection Committee, or the "MEPC" adopted a resolution amending the International 
Code for the Construction and Equipment of Ships Carrying Dangerous Chemicals in Bulk, or the “IBC Code.” The provisions 
of the IBC Code are mandatory under MARPOL and the SOLAS Convention. These amendments, which entered into force in 
June 2014 and took effect on January 1, 2021, pertain to revised international certificates of fitness for the carriage of dangerous 
chemicals  in  bulk  and  identifying  new  products  that  fall  under  the  IBC  Code.  We  may  need  to  make  certain  financial 
expenditures to comply with these amendments.

In  2013,  the  MEPC  adopted  a  resolution  amending  MARPOL  Annex  I  Condition  Assessment  Scheme,  or  “CAS.”  These 
amendments became effective on October 1, 2014, and require compliance with the 2011 International Code on the Enhanced 
Programme  of  Inspections  during  Surveys  of  Bulk  Carriers  and  Oil  Tankers,  or  “ESP  Code,”  which  provides  for  enhanced 
inspection programs. We may need to make certain financial expenditures to comply with these amendments.

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Air Emissions

In  September  of  1997,  the  IMO  adopted  Annex  VI  to  MARPOL  to  address  air  pollution  from  vessels.  Effective  May  2005, 
Annex  VI  sets  limits  on  sulfur  oxide  and  nitrogen  oxide  emissions  from  all  commercial  vessel  exhausts  and  prohibits 
“deliberate  emissions”  of  ozone  depleting  substances  (such  as  halons  and  chlorofluorocarbons),  emissions  of  volatile 
compounds from cargo tanks, and the shipboard incineration of specific substances. Annex VI also includes a global cap on the 
sulfur  content  of  fuel  oil  and  allows  for  special  areas  to  be  established  with  more  stringent  controls  on  sulfur  emissions,  as 
explained  below.  Emissions  of  “volatile  organic  compounds”  from  certain  vessels,  and  the  shipboard  incineration  (from 
incinerators  installed  after  January  1,  2000)  of  certain  substances  (such  as  polychlorinated  biphenyls,  or  PCBs)  are  also 
prohibited. We believe that all our vessels are currently compliant in all material respects with these regulations.

The MEPC adopted amendments to Annex VI regarding emissions of sulfur oxide, nitrogen oxide, particulate matter and ozone 
depleting substances, which entered into force on July 1, 2010.  The amended Annex VI seeks to further reduce air pollution by, 
among other things, implementing a progressive reduction of the amount of sulfur contained in any fuel oil used on board ships. 
On  October  27,  2016,  at  its  70th  session,  the  MEPC  agreed  to  implement  a  global  0.5%  m/m  sulfur  oxide  emissions  limit 
(reduced  from  3.50%)  starting  from  January  1,  2020.  This  limitation  can  be  met  by  using  low-sulfur  compliant  fuel  oil, 
alternative  fuels,  or  certain  exhaust  gas  cleaning  systems.    Ships  are  now  required  to  obtain  bunker  delivery  notes  and 
International Air Pollution Prevention (“IAPP”) Certificates from their flag states that specify sulfur content. Additionally, at 
MEPC  73,  amendments  to  Annex  VI  to  prohibit  the  carriage  of  bunkers  above  0.5%  sulfur  on  ships  were  adopted  and  took 
effect  on  March  1,  2020.  These  regulations  subject  ocean-going  vessels  to  stringent  emission  controls,  and  may  cause  us  to 
incur substantial costs.

Sulfur content standards are even stricter within certain “Emission Control Areas,” or (“ECAs”). As of January 1, 2015, ships 
operating  within  an  ECA  were  not  permitted  to  use  fuel  with  sulfur  content  in  excess  of  0.1%  m/m.  Amended  Annex  VI 
establishes procedures for designating new ECAs. Currently, the IMO has designated four ECAs, including specified portions 
of the Baltic Sea area, North Sea area, North American area and United States Caribbean area. Ocean-going vessels in these 
areas will be subject to stringent emission controls and may cause us to incur additional costs. Other areas in China are subject 
to  local  regulations  that  impose  stricter  emission  controls.  If  other  ECAs  are  approved  by  the  IMO,  or  other  new  or  more 
stringent requirements relating to emissions from marine diesel engines or port operations by vessels are adopted by the U.S 
Environmental  Protection  Agency  (“EPA”)  or  the  states  where  we  operate,  compliance  with  these  regulations  could  entail 
significant capital expenditures or otherwise increase the costs of our operations.

Amended  Annex  VI  also  establishes  new  tiers  of  stringent  nitrogen  oxide  emissions  standards  for  marine  diesel  engines, 
depending on their date of installation. At the MEPC meeting held from March to April 2014, amendments to Annex VI were 
adopted which address the date on which Tier III Nitrogen Oxide ("NOx") standards in ECAs will go into effect.  Under the 
amendments, Tier III NOx standards apply to ships that operate in the North American and U.S. Caribbean Sea ECAs designed 
for the control of NOx produced by vessels with a marine diesel engine installed and constructed on or after January 1, 2016.  
Tier III requirements could apply to areas that will be designated for Tier III NOx in the future. At MEPC 70 and MEPC 71, the 
MEPC approved the North Sea and Baltic Sea as ECAs for nitrogen oxide for ships built on or after January 1, 2021. The EPA 
promulgated equivalent (and in some senses stricter) emissions standards in 2010. As a result of these designations or similar 
future designations, we may be required to incur additional operating or other costs.

As determined at the MEPC 70, the new Regulation 22A of MARPOL Annex VI became effective as of March 1, 2018 and 
requires ships above 5,000 gross tonnage to collect and report annual data on fuel oil consumption to an IMO database, with the 
first year of data collection having commenced on January 1, 2019. The IMO intends to use such data as the first step in its 
roadmap (through 2023) for developing its strategy to reduce greenhouse gas emissions from ships, as discussed further below. 

As of January 1, 2013, MARPOL made mandatory certain measures relating to energy efficiency for ships. All ships are now 
required to develop and implement Ship Energy Efficiency Management Plans (“SEEMPS”), and new ships must be designed 
in  compliance  with  minimum  energy  efficiency  levels  per  capacity  mile  as  defined  by  the  Energy  Efficiency  Design  Index 
(“EEDI”).  Under  these  measures,  by  2025,  all  new  ships  built  will  be  30%  more  energy  efficient  than  those  built  in  2014. 
Additionally, MEPC 75 adopted amendments to MARPOL Annex VI which brings forward the effective date of the EEDI’s 
“phase 3” requirements from January 1, 2025 to April 1, 2022 for several ship types, including gas carriers, general cargo ships, 
and LNG carriers.

41

Additionally,  MEPC  75  introduced  draft  amendments  to  Annex  VI  which  impose  new  regulations  to  reduce  greenhouse  gas 
emissions from ships. These amendments introduce requirements to assess and measure the energy efficiency of all ships and 
set the required attainment values, with the goal of reducing the carbon intensity of international shipping. The requirements 
include (1) a technical requirement to reduce carbon intensity based on a new Energy Efficiency Existing Ship Index (“EEXI”), 
and (2) operational carbon intensity reduction requirements, based on a new operational carbon intensity indicator (“CII”).  The 
attained EEXI is required to be calculated for ships of 400 gross tonnage and above, in accordance with different values set for 
ship  types  and  categories.  With  respect  to  the  CII,  the  draft  amendments  would  require  ships  of  5,000  gross  tonnage  to 
document  and  verify  their  actual  annual  operational  CII  achieved  against  a  determined  required  annual  operational  CII.  
Additionally,  MEPC  75  proposed  draft  amendments  requiring  that,  on  or  before  January  1,  2023,  all  ships  above  400  gross 
tonnage must have an approved SEEMP on board.  For ships above 5,000 gross tonnage, the SEEMP would need to include 
certain mandatory content. MEPC 75 also approved draft amendments to MARPOL Annex I to prohibit the use and carriage for 
use as fuel of heavy fuel oil (“HFO”) by ships in Arctic waters on and after July 1, 2024. The draft amendments introduced at 
MEPC 75 may be adopted at the MEPC 76 session, to be held during 2021.

We  may  incur  costs  to  comply  with  these  revised  standards.  Additional  or  new  conventions,  laws  and  regulations  may  be 
adopted  that  could  require  the  installation  of  expensive  emission  control  systems  and  could  adversely  affect  our  business, 
results of operations, cash flows and financial condition.

Safety Management System Requirements

The SOLAS Convention was amended to address the safe manning of vessels and emergency training drills.  The Convention 
of  Limitation  of  Liability  for  Maritime  Claims  (the  “LLMC”)  sets  limitations  of  liability  for  a  loss  of  life  or  personal  injury 
claim  or  a  property  claim  against  ship  owners.  We  believe  that  our  vessels  are  in  substantial  compliance  with  SOLAS  and 
LLMC standards.

Under Chapter IX of the SOLAS Convention, or the International Safety Management Code for the Safe Operation of Ships and 
for Pollution Prevention (the “ISM Code”), our operations are also subject to environmental standards and requirements. The 
ISM  Code  requires  the  party  with  operational  control  of  a  vessel  to  develop  an  extensive  safety  management  system  that 
includes,  among  other  things,  the  adoption  of  a  safety  and  environmental  protection  policy  setting  forth  instructions  and 
procedures for operating its vessels safely and describing procedures for responding to emergencies. We rely upon the safety 
management  system  that  we  and  our  technical  management  team  have  developed  for  compliance  with  the  ISM  Code.  The 
failure of a vessel owner or bareboat charterer to comply with the ISM Code may subject such party to increased liability, may 
decrease available insurance coverage for the affected vessels and may result in a denial of access to, or detention in, certain 
ports. 

The  ISM  Code  requires  that  vessel  operators  obtain  a  safety  management  certificate  for  each  vessel  they  operate.  This 
certificate evidences compliance by a vessel’s management with the ISM Code requirements for a safety management system. 
No vessel can obtain a safety management certificate unless its manager has been awarded a document of compliance, issued by 
each  flag  state,  under  the  ISM  Code.  We  have  obtained  applicable  documents  of  compliance  for  our  offices  and  safety 
management certificates for all of our vessels for which the certificates are required by the IMO. The document of compliance 
and safety management certificate are renewed as required.

Regulation II-1/3-10 of the SOLAS Convention governs ship construction and stipulates that ships over 150 meters in length 
must have adequate strength, integrity and stability to minimize risk of loss or pollution. Goal-based standards amendments in 
SOLAS  regulation  II-1/3-10  entered  into  force  in  2012,  with  July  1,  2016  set  for  application  to  new  oil  tankers  and  bulk 
carriers.  The  SOLAS  Convention  regulation  II-1/3-10  on  goal-based  ship  construction  standards  for  bulk  carriers  and  oil 
tankers, which entered into force on January 1, 2012, requires that all oil tankers and bulk carriers of 150 meters in length and 
above, for which the building contract is placed on or after July 1, 2016, satisfy applicable structural requirements conforming 
to the functional requirements of the International Goal-based Ship Construction Standards for Bulk Carriers and Oil Tankers 
(“GBS Standards”).

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Amendments to the SOLAS Convention Chapter VII apply to vessels transporting dangerous goods and require those vessels be 
in compliance with the International Maritime Dangerous Goods Code (“IMDG Code”). Effective January 1, 2018, the IMDG 
Code  includes  (1)  updates  to  the  provisions  for  radioactive  material,  reflecting  the  latest  provisions  from  the  International 
Atomic Energy Agency, (2) new marking, packing and classification requirements for dangerous goods, and (3) new mandatory 
training  requirements.  Amendments  which  took  effect  on  January  1,  2020  also  reflect  the  latest  material  from  the  UN 
Recommendations  on  the  Transport  of  Dangerous  Goods,  including  (1)  new  provisions  regarding  IMO  type  9  tank,  (2)  new 
abbreviations  for  segregation  groups,  and  (3)  special  provisions  for  carriage  of  lithium  batteries  and  of  vehicles  powered  by 
flammable liquid or gas.

The IMO has also adopted the International Convention on Standards of Training, Certification and Watchkeeping for Seafarers 
(“STCW”). As of February 2017, all seafarers are required to meet the STCW standards and be in possession of a valid STCW 
certificate.  Flag  states  that  have  ratified  SOLAS  and  STCW  generally  employ  the  classification  societies,  which  have 
incorporated SOLAS and STCW requirements into their class rules, to undertake surveys to confirm compliance.

Furthermore, recent action by the IMO’s Maritime Safety Committee and United States agencies indicates that cybersecurity 
regulations for the maritime industry are likely to be further developed in the near future in an attempt to combat cybersecurity 
threats. For example, cyber-risk management systems must be incorporated by ship-owners and managers by 2021. This might 
cause companies to create additional procedures for monitoring cybersecurity, which could require additional expenses and/or 
capital expenditures. The impact of such regulations is hard to predict at this time.

Pollution Control and Liability Requirements

The IMO has negotiated international conventions that impose liability for pollution in international waters and the territorial 
waters of the signatories to such conventions. For example, the IMO adopted an International Convention for the Control and 
Management  of  Ships’  Ballast  Water  and  Sediments  (the  “BWM  Convention”)  in  2004.  The  BWM  Convention  entered  into 
force on September 8, 2017. The BWM Convention requires ships to manage their ballast water to remove, render harmless, or 
avoid  the  uptake  or  discharge  of  new  or  invasive  aquatic  organisms  and  pathogens  within  ballast  water  and  sediments.  The 
BWM Convention’s implementing regulations call for a phased introduction of mandatory ballast water exchange requirements, 
to be replaced in time with mandatory concentration limits, and require all ships to carry a ballast water record book and an 
international ballast water management certificate.   

On December 4, 2013, the IMO Assembly passed a resolution revising the application dates of the BWM Convention so that 
the dates are triggered by the entry into force date and not the dates originally in the BWM Convention.  This, in effect, makes 
all  vessels  delivered  before  the  entry  into  force  date  “existing  vessels”  and  allows  for  the  installation  of  ballast  water 
management  systems  on  such  vessels  at  the  first  International  Oil  Pollution  Prevention  (“IOPP”)  renewal  survey  following 
entry into force of the convention. The MEPC adopted updated guidelines for approval of ballast water management systems 
(G8) at MEPC 70. At MEPC 72, the schedule regarding the BWM Convention’s implementation dates was also discussed and 
amendments were introduced to extend the date existing vessels are subject to certain ballast water standards. Those changes 
were adopted at MEPC 72. Ships over 400 gross tons generally must comply with a “D-1 standard,” requiring the exchange of 
ballast  water  only  in  open  seas  and  away  from  coastal  waters.  The  “D-2  standard”  specifies  the  maximum  amount  of  viable 
organisms allowed to be discharged, and compliance dates vary depending on the IOPP renewal dates. Depending on the date 
of the IOPP renewal survey, existing vessels must comply with the D-2 standard on or after September 8, 2019. For most ships, 
compliance  with  the  D-2  standard  will  involve  installing  on-board  systems  to  treat  ballast  water  and  eliminate  unwanted 
organisms.  Ballast  water  management  systems,  which  include  systems  that  make  use  of  chemical,  biocides,  organisms  or 
biological  mechanisms,  or  which  alter  the  chemical  or  physical  characteristics  of  the  ballast  water,  must  be  approved  in 
accordance with IMO Guidelines (Regulation D-3).  As of October 13, 2019, MEPC 72’s amendments to the BWM Convention 
took effect, making the Code for Approval of Ballast Water Management Systems, which governs assessment of ballast water 
management  systems,  mandatory  rather  than  permissive,  and  formalized  an  implementation  schedule  for  the  D-2  standard.  
Under  these  amendments,  all  ships  must  meet  the  D-2  standard  by  September  8,  2024.  Costs  of  compliance  with  these 
regulations  may  be  substantial.  Additionally,  in  November  2020,  MEPC  75  adopted  amendments  to  the  BWM  Convention 
which would require a commissioning test of the ballast water management system for the initial survey or when performing an 
additional survey for retrofits. This analysis will not apply to ships that already have an installed BWM system certified under 
the BWM Convention. These amendments are expected to enter into force on June 1, 2022.

43

Once  mid-ocean  exchange  ballast  water  treatment  requirements  become  mandatory  under  the  BWM  Convention,  the  cost  of 
compliance  could  increase  for  ocean  carriers  and  may  have  a  material  effect  on  our  operations.  However,  many  countries 
already regulate the discharge of ballast water carried by vessels from country to country to prevent the introduction of invasive 
and harmful species via such discharges. The U.S., for example, requires vessels entering its waters from another country to 
conduct mid-ocean ballast exchange, or undertake some alternate measure, and to comply with certain reporting requirements.  

The IMO adopted the International Convention on Civil Liability for Oil Pollution Damage of 1969, as amended by different 
Protocols in 1976, 1984, and 1992, and amended in 2000 (“the CLC”). Under the CLC and depending on whether the country 
in which the damage results is a party to the 1992 Protocol to the CLC, a vessel’s registered owner may be strictly liable for 
pollution  damage  caused  in  the  territorial  waters  of  a  contracting  state  by  discharge  of  persistent  oil,  subject  to  certain 
exceptions.  The  1992  Protocol  changed  certain  limits  on  liability  expressed  using  the  International  Monetary  Fund  currency 
unit, the Special Drawing Rights. The limits on liability have since been amended so that the compensation limits on liability 
were raised. The right to limit liability is forfeited under the CLC where the spill is caused by the shipowner’s actual fault and 
under  the  1992  Protocol  where  the  spill  is  caused  by  the  shipowner’s  intentional  or  reckless  act  or  omission  where  the 
shipowner knew pollution damage would probably result. The CLC requires ships over 2,000 tons covered by it to maintain 
insurance  covering  the  liability  of  the  owner  in  a  sum  equivalent  to  an  owner’s  liability  for  a  single  incident.  We  have 
protection  and  indemnity  insurance  for  environmental  incidents.  P&I  Clubs  in  the  International  Group  issue  the  required 
Bunkers Convention “Blue Cards” to enable signatory states to issue certificates. All of our vessels are in possession of a CLC 
State issued certificate attesting that the required insurance coverage is in force.

The  IMO  also  adopted  the  International  Convention  on  Civil  Liability  for  Bunker  Oil  Pollution  Damage  (the  “Bunker 
Convention”) to impose strict liability on ship owners (including the registered owner, bareboat charterer, manager or operator) 
for pollution damage in jurisdictional waters of ratifying states caused by discharges of bunker fuel. The Bunker Convention 
requires registered owners of ships over 1,000 gross tons to maintain insurance for pollution damage in an amount equal to the 
limits of liability under the applicable national or international limitation regime (but not exceeding the amount calculated in 
accordance with the LLMC). With respect to non-ratifying states, liability for spills or releases of oil carried as fuel in ship’s 
bunkers typically is determined by the national or other domestic laws in the jurisdiction where the events or damages occur.

Ships are required to maintain a certificate attesting that they maintain adequate insurance to cover an incident. In jurisdictions, 
such  as  the  United  States  where  the  CLC  or  the  Bunker  Convention  has  not  been  adopted,  various  legislative  schemes  or 
common law govern, and liability is imposed either on the basis of fault or on a strict-liability basis.  

Anti‑Fouling Requirements  

In  2001,  the  IMO  adopted  the  International  Convention  on  the  Control  of  Harmful  Anti‑fouling  Systems  on  Ships,  or  the 
“Anti‑fouling Convention.” The Anti‑fouling Convention, which entered into force on September 17, 2008, prohibits the use of 
organotin compound coatings to prevent the attachment of mollusks and other sea life to the hulls of vessels. Vessels of over 
400 gross tons engaged in international voyages will also be required to undergo an initial survey before the vessel is put into 
service or before an International Anti‑fouling System Certificate is issued for the first time; and subsequent surveys when the 
anti‑fouling systems are altered or replaced. 

In  November  2020,  MEPC  75  approved  draft  amendments  to  the  Anti-fouling  Convention  to  prohibit  anti-fouling  systems 
containing  cybutryne,  which  would  apply  to  ships  from  January  1,  2023,  or,  for  ships  already  bearing  such  an  anti-fouling 
system, at the next scheduled renewal of the system after that date, but no later than 60 months following the last application to 
the ship of such a system.  These amendments may be formally adopted at MEPC 76 in 2021.

We have obtained Anti‑fouling System Certificates for all of our vessels that are subject to the Anti‑fouling Convention.

Compliance Enforcement

Noncompliance  with  the  ISM  Code  or  other  IMO  regulations  may  subject  the  ship  owner  or  bareboat  charterer  to  increased 
liability, may lead to decreases in available insurance coverage for affected vessels and may result in the denial of access to, or 
detention  in,  some  ports.  The  USCG  and  European  Union  authorities  have  indicated  that  vessels  not  in  compliance  with  the 
ISM Code by applicable deadlines will be prohibited from trading in U.S. and European Union ports, respectively. As of the 
date of this report, March 22, 2021, each of our vessels is ISM Code certified.  However, there can be no assurance that such 
certificates will be maintained in the future. The IMO continues to review and introduce new regulations. It is impossible to 
predict what additional regulations, if any, may be passed by the IMO and what effect, if any, such regulations might have on 
our operations.

44

United States Regulations

The U.S. Oil Pollution Act of 1990 and the Comprehensive Environmental Response, Compensation and Liability Act

The  U.S.  Oil  Pollution  Act  of  1990  (“OPA”)  established  an  extensive  regulatory  and  liability  regime  for  the  protection  and 
cleanup of the environment from oil spills. OPA affects all “owners and operators” whose vessels trade or operate within the 
U.S., its territories and possessions or whose vessels operate in U.S. waters, which includes the U.S.’s territorial sea and its 200 
nautical mile exclusive economic zone around the U.S. The U.S. has also enacted the Comprehensive Environmental Response, 
Compensation and Liability Act (“CERCLA”), which applies to the discharge of hazardous substances other than oil, except in 
limited circumstances, whether on land or at sea. OPA and CERCLA both define “owner and operator” in the case of a vessel 
as any person owning, operating or chartering by demise, the vessel.  Both OPA and CERCLA impact our operations.

Under OPA, vessel owners and operators are “responsible parties” and are jointly, severally and strictly liable (unless the spill 
results solely from the act or omission of a third party, an act of God or an act of war) for all containment and clean-up costs 
and  other  damages  arising  from  discharges  or  threatened  discharges  of  oil  from  their  vessels,  including  bunkers  (fuel).  OPA 
defines these other damages broadly to include:

(i) 
(ii) 
(iii) 
(iv) 

 (v) 

(vi) 

injury to, destruction or loss of, or loss of use of, natural resources and related assessment costs;
injury to, or economic losses resulting from, the destruction of real and personal property;
loss of subsistence use of natural resources that are injured, destroyed or lost;
net loss of taxes, royalties, rents, fees or net profit revenues resulting from injury, destruction or loss of real or personal 
property, or natural resources;
lost profits or impairment of earning capacity due to injury, destruction or loss of real or personal property or natural 
resources; and
net cost of increased or additional public services necessitated by removal activities following a discharge of oil, such 
as protection from fire, safety or health hazards, and loss of subsistence use of natural resources.

OPA contains statutory caps on liability and damages; such caps do not apply to direct cleanup costs. Effective November 12, 
2019, the USCG adjusted the limits of OPA liability for a tank vessel, other than a single-hull tank vessel, over 3,000 gross tons 
liability to the greater of $2,300 per gross ton or $19,943,400 (subject to periodic adjustment for inflation). Effective November 
12, 2019, the USCG adjusted the limits of OPA liability for non-tank vessels, edible oil tank vessels, and any oil spill response 
vessels, to the greater of $1,200 per gross ton or $997,100 (subject to periodic adjustment for inflation). These limits of liability 
do  not  apply  if  an  incident  was  proximately  caused  by  the  violation  of  an  applicable  U.S.  federal  safety,  construction  or 
operating regulation by a responsible party (or its agent, employee or a person acting pursuant to a contractual relationship), or 
a  responsible  party's  gross  negligence  or  willful  misconduct.  The  limitation  on  liability  similarly  does  not  apply  if  the 
responsible party fails or refuses to (i) report the incident as required by law where the responsible party knows or has reason to 
know of the incident; (ii) reasonably cooperate and assist as requested in connection with oil removal activities; or (iii) without 
sufficient cause, comply with an order issued under the Federal Water Pollution Act (Section 311 (c), (e)) or the Intervention on 
the High Seas Act.

CERCLA  contains  a  similar  liability  regime  whereby  owners  and  operators  of  vessels  are  liable  for  cleanup,  removal  and 
remedial  costs,  as  well  as  damages  for  injury  to,  or  destruction  or  loss  of,  natural  resources,  including  the  reasonable  costs 
associated with assessing the same, and health assessments or health effects studies. There is no liability if the discharge of a 
hazardous  substance  results  solely  from  the  act  or  omission  of  a  third  party,  an  act  of  God  or  an  act  of  war.  Liability  under 
CERCLA is limited to the greater of $300 per gross ton or $5.0 million for vessels carrying a hazardous substance as cargo and 
the greater of $300 per gross ton or $500,000 for any other vessel. These limits do not apply (rendering the responsible person 
liable  for  the  total  cost  of  response  and  damages)  if  the  release  or  threat  of  release  of  a  hazardous  substance  resulted  from 
willful  misconduct  or  negligence,  or  the  primary  cause  of  the  release  was  a  violation  of  applicable  safety,  construction  or 
operating standards or regulations. The limitation on liability also does not apply if the responsible person fails or refused to 
provide all reasonable cooperation and assistance as requested in connection with response activities where the vessel is subject 
to OPA.

OPA  and  CERCLA  each  preserve  the  right  to  recover  damages  under  existing  law,  including  maritime  tort  law.  OPA  and 
CERCLA  both  require  owners  and  operators  of  vessels  to  establish  and  maintain  with  the  USCG  evidence  of  financial 
responsibility sufficient to meet the maximum amount of liability to which the particular responsible person may be subject. 
Vessel owners and operators may satisfy their financial responsibility obligations by providing a proof of insurance, a surety 
bond, qualification as a self-insurer or a guarantee. We comply and intend to comply going forward with the USCG’s financial 
responsibility regulations by providing applicable certificates of financial responsibility.

45

The 2010 Deepwater Horizon oil spill in the Gulf of Mexico resulted in additional regulatory initiatives or statutes, including 
higher  liability  caps  under  OPA,  new  regulations  regarding  offshore  oil  and  gas  drilling,  and  a  pilot  inspection  program  for 
offshore  facilities.  However,  several  of  these  initiatives  and  regulations  have  been  or  may  be  revised.  For  example,  the  U.S. 
Bureau  of  Safety  and  Environmental  Enforcement’s  (“BSEE”)  revised  Production  Safety  Systems  Rule  (“PSSR”),  effective 
December 27, 2018, modified and relaxed certain environmental and safety protections under the 2016 PSSR. Additionally, the 
BSEE  amended  the  Well  Control  Rule,  effective  July  15,  2019,  which  rolled  back  certain  reforms  regarding  the  safety  of 
drilling  operations,  and  former  U.S.  President  Trump  had  proposed  leasing  new  sections  of  U.S.  waters  to  oil  and  gas 
companies for offshore drilling. The effects of these proposals and changes are currently unknown, and recently, current U.S. 
President  Biden  signed  an  executive  order  temporarily  blocking  new  leases  for  oil  and  gas  drilling  in  federal  waters. 
Compliance with any new requirements of OPA and future legislation or regulations applicable to the operation of our vessels 
could impact the cost of our operations and adversely affect our business.  

OPA specifically permits individual states to impose their own liability regimes with regard to oil pollution incidents occurring 
within their boundaries, provided they accept, at a minimum, the levels of liability established under OPA and some states have 
enacted  legislation  providing  for  unlimited  liability  for  oil  spills.  Many  U.S.  states  that  border  a  navigable  waterway  have 
enacted environmental pollution laws that impose strict liability on a person for removal costs and damages resulting from a 
discharge of oil or a release of a hazardous substance. These laws may be more stringent than U.S. federal law. Moreover, some 
states have enacted legislation providing for unlimited liability for discharge of pollutants within their waters, although in some 
cases, states which have enacted this type of legislation have not yet issued implementing regulations defining vessel owners’ 
responsibilities under these laws. We intend to comply with all applicable state regulations in the ports where our vessels call.

We currently maintain pollution liability coverage insurance in the amount of $1 billion per incident for each of our vessels. If 
the damages from a catastrophic spill were to exceed our insurance coverage, it could have an adverse effect on our business 
and results of operation.  

Other United States Environmental Initiatives

The  U.S.  Clean  Air  Act  of  1970  (including  its  amendments  of  1977  and  1990)  (“CAA”)  requires  the  EPA  to  promulgate 
standards applicable to emissions of volatile organic compounds and other air contaminants. Our vessels are subject to vapor 
control  and  recovery  requirements  for  certain  cargoes  when  loading,  unloading,  ballasting,  cleaning  and  conducting  other 
operations  in  regulated  port  areas.  The  CAA  also  requires  states  to  draft  State  Implementation  Plans,  or  "SIPs",  designed  to 
attain national health-based air quality standards in each state. Although state-specific, SIPs may include regulations concerning 
emissions resulting from vessel loading and unloading operations by requiring the installation of vapor control equipment. Our 
vessels  operating  in  such  regulated  port  areas  with  restricted  cargoes  are  equipped  with  vapor  recovery  systems  that  satisfy 
these existing requirements.

The U.S. Clean Water Act (“CWA”) prohibits the discharge of oil, hazardous substances and ballast water in U.S. navigable 
waters  unless  authorized  by  a  duly-issued  permit  or  exemption,  and  imposes  strict  liability  in  the  form  of  penalties  for  any 
unauthorized discharges. The CWA also imposes substantial liability for the costs of removal, remediation and damages and 
complements  the  remedies  available  under  OPA  and  CERCLA.  In  2015,  the  EPA  expanded  the  definition  of  “waters  of  the 
United States” (“WOTUS”), thereby expanding federal authority under the CWA. Following litigation on the revised WOTUS 
rule, in December 2018, the EPA and Department of the Army proposed a revised, limited definition of “waters of the United 
States.”  The proposed rule was published in the Federal Register on February 14, 2019 and was subject to public comment. On 
October  22,  2019,  the  agencies  published  a  final  rule  repealing  the  2015  Rule  defining  “waters  of  the  United  States”  and 
recodified the regulatory text that existed prior to the 2015 Rule. The final rule became effective on December 23, 2019. On 
January 23, 2020, the EPA published the “Navigable Waters Protection Rule,” which replaces the rule published on October 22, 
2019, and redefines “waters of the United States.” This rule became effective on June 22, 2020, although the effective date has 
been stayed in at least one U.S. state pursuant to court order. The effect of this rule is currently unknown. 

The  EPA  and  the  USCG  have  also  enacted  rules  relating  to  ballast  water  discharge,  compliance  with  which  requires  the 
installation of equipment on our vessels to treat ballast water before it is discharged or the implementation of other port facility 
disposal  arrangements  or  procedures  at  potentially  substantial  costs,  and/or  otherwise  restrict  our  vessels  from  entering  U.S. 
Waters. 

46

 
The EPA will regulate these ballast water discharges and other discharges incidental to the normal operation of certain vessels 
within  United  States  waters  pursuant  to  the  Vessel  Incidental  Discharge  Act  (“VIDA”),  which  was  signed  into  law  on 
December 4, 2018 and replaces the 2013 Vessel General Permit (“VGP”) program (which authorizes discharges incidental to 
operations  of  commercial  vessels  and  contains  numeric  ballast  water  discharge  limits  for  most  vessels  to  reduce  the  risk  of 
invasive  species  in  U.S.  waters,  stringent  requirements  for  exhaust  gas  scrubbers,  and  requirements  for  the  use  of 
environmentally acceptable lubricants) and current Coast Guard ballast water management regulations adopted under the U.S. 
National  Invasive  Species  Act  (“NISA”),  such  as  mid-ocean  ballast  exchange  programs  and  installation  of  approved  USCG 
technology for all vessels equipped with ballast water tanks bound for U.S. ports or entering U.S. waters. VIDA establishes a 
new framework for the regulation of vessel incidental discharges under Clean Water Act (CWA), requires the EPA to develop 
performance  standards  for  those  discharges  within  two  years  of  enactment,  and  requires  the  U.S.  Coast  Guard  to  develop 
implementation, compliance, and enforcement regulations within two years of EPA’s promulgation of standards. Under VIDA, 
all  provisions  of  the  2013  VGP  and  USCG  regulations  regarding  ballast  water  treatment  remain  in  force  and  effect  until  the 
EPA and U.S. Coast Guard regulations are finalized.  Non-military, non-recreational vessels greater than 79 feet in length must 
continue  to  comply  with  the  requirements  of  the  VGP,  including  submission  of  a  Notice  of  Intent  (“NOI”)  or  retention  of  a 
PARI form and submission of annual reports. We have submitted NOIs for our vessels where required. Compliance with the 
EPA, U.S. Coast Guard and state regulations could require the installation of ballast water treatment equipment on our vessels 
or  the  implementation  of  other  port  facility  disposal  procedures  at  potentially  substantial  cost,  or  may  otherwise  restrict  our 
vessels from entering U.S. waters. 

European Union Regulations

In  October  2009,  the  European  Union  amended  a  directive  to  impose  criminal  sanctions  for  illicit  ship-source  discharges  of 
polluting  substances,  including  minor  discharges,  if  committed  with  intent,  recklessly  or  with  serious  negligence  and  the 
discharges individually or in the aggregate result in deterioration of the quality of water. Aiding and abetting the discharge of a 
polluting substance may also lead to criminal penalties. The directive applies to all types of vessels, irrespective of their flag, 
but certain exceptions apply to warships or where human safety or that of the ship is in danger. Criminal liability for pollution 
may  result  in  substantial  penalties  or  fines  and  increased  civil  liability  claims.  Regulation  (EU)  2015/757  of  the  European 
Parliament and of the Council of 29 April 2015 (amending EU Directive 2009/16/EC) governs the monitoring, reporting and 
verification  of  carbon  dioxide  emissions  from  maritime  transport,  and,  subject  to  some  exclusions,  requires  companies  with 
ships over 5,000 gross tonnage to monitor and report carbon dioxide emissions annually which may cause us to incur additional 
expenses.  

The European Union has adopted several regulations and directives requiring, among other things, more frequent inspections of 
high-risk ships, as determined by type, age, and flag as well as the number of times the ship has been detained. The European 
Union  also  adopted  and  extended  a  ban  on  substandard  ships  and  enacted  a  minimum  ban  period  and  a  definitive  ban  for 
repeated  offenses.  The  regulation  also  provided  the  European  Union  with  greater  authority  and  control  over  classification 
societies,  by  imposing  more  requirements  on  classification  societies  and  providing  for  fines  or  penalty  payments  for 
organizations that failed to comply. Furthermore, the EU has implemented regulations requiring vessels to use reduced sulfur 
content fuel for their main and auxiliary engines. The EU Directive 2005/33/EC (amending Directive 1999/32/EC) introduced 
requirements parallel to those in Annex VI relating to the sulfur content of marine fuels. In addition, the EU imposed a 0.1% 
maximum sulfur requirement for fuel used by ships at berth in the Baltic, the North Sea and the English Channel (the so called 
“SOx-Emission Control Area”). As of January 2020, EU member states must also ensure that vessels in all EU waters, except 
the SOx-Emission Control Area, use fuels with a 0.5% maximum sulfur content.

On September 15, 2020, the European Parliament voted to include greenhouse gas emissions from the maritime sector in the 
European Union's carbon market from 2022. This will require shipowners to buy permits to cover these emissions. Contingent 
on another formal approval vote, specific regulations are forthcoming and are expected to be proposed by 2021.

International Labour Organization

The  International  Labour  Organization  (the  "ILO")  is  a  specialized  agency  of  the  UN  that  has  adopted  the  Maritime  Labour 
Convention 2006 ("MLC 2006"). A Maritime Labour Certificate and a Declaration of Maritime Labour Compliance is required 
to ensure compliance with the MLC 2006 for all ships that are 500 gross tonnage or over and are either engaged in international 
voyages or flying the flag of a Member and operating from a port, or between ports, in another country. We believe that all our 
vessels are in substantial compliance with and are certified to meet MLC 2006.

47

Greenhouse Gas Regulation

Currently, the emissions of greenhouse gases from international shipping are not subject to the Kyoto Protocol to the United 
Nations Framework Convention on Climate Change, which entered into force in 2005 and pursuant to which adopting countries 
have been required to implement national programs to reduce greenhouse gas emissions with targets extended through 2020.  
International  negotiations  are  continuing  with  respect  to  a  successor  to  the  Kyoto  Protocol,  and  restrictions  on  shipping 
emissions may be included in any new treaty. In December 2009, more than 27 nations, including the U.S. and China, signed 
the  Copenhagen  Accord,  which  includes  a  non-binding  commitment  to  reduce  greenhouse  gas  emissions.  The  2015  United 
Nations Climate Change Conference in Paris resulted in the Paris Agreement, which entered into force on November 4, 2016 
and does not directly limit greenhouse gas emissions from ships. The U.S. initially entered into the agreement, but on June 1, 
2017, former U.S. President Trump announced that the United States intends to withdraw from the Paris Agreement, and the 
withdrawal became effective on November 4, 2020. On January 20, 2021, U.S. President Biden signed an executive order to 
rejoin the Paris Agreement, which the U.S. officially rejoined on February 19, 2021. 

At MEPC 70 and MEPC 71, a draft outline of the structure of the initial strategy for developing a comprehensive IMO strategy 
on reduction of greenhouse gas emissions from ships was approved. In accordance with this roadmap, in April 2018, nations at 
the MEPC 72 adopted an initial strategy to reduce greenhouse gas emissions from ships.  The initial strategy identifies “levels 
of  ambition”  to  reducing  greenhouse  gas  emissions,  including  (1)  decreasing  the  carbon  intensity  from  ships  through 
implementation of further phases of the EEDI for new ships; (2) reducing carbon dioxide emissions per transport work, as an 
average  across  international  shipping,  by  at  least  40%  by  2030,  pursuing  efforts  towards  70%  by  2050,  compared  to  2008 
emission  levels;  and  (3)  reducing  the  total  annual  greenhouse  emissions  by  at  least  50%  by  2050  compared  to  2008  while 
pursuing  efforts  towards  phasing  them  out  entirely.    The  initial  strategy  notes  that  technological  innovation,  alternative  fuels 
and/or energy sources for international shipping will be integral to achieve the overall ambition.  These regulations could cause 
us to incur additional substantial expenses.

The EU made a unilateral commitment to reduce overall greenhouse gas emissions from its member states from 20% of 1990 
levels by 2020. The EU also committed to reduce its emissions by 20% under the Kyoto Protocol’s second period from 2013 to 
2020.  Starting in January 2018, large ships over 5,000 gross tonnage calling at EU ports are required to collect and publish data 
on carbon dioxide emissions and other information. As previously discussed, regulations relating to the inclusion of greenhouse 
gas emissions from the maritime sector in the European Union's carbon market are also forthcoming.

In the United States, the EPA issued a finding that greenhouse gases endanger the public health and safety, adopted regulations 
to  limit  greenhouse  gas  emissions  from  certain  mobile  sources,  and  proposed  regulations  to  limit  greenhouse  gas  emissions 
from large stationary sources. However, in March 2017, former U.S. President Trump signed an executive order to review and 
possibly eliminate the EPA’s plan to cut greenhouse gas emissions and in August 2019, the Administration announced plans to 
weaken  regulations  for  methane  emissions.  On  August  13,  2020,  the  EPA  released  rules  rolling  back  standards  to  control 
methane  and  volatile  organic  compound  emissions  from  new  oil  and  gas  facilities.  However,  U.S.  President  Biden  recently 
directed the EPA to publish a proposed rule suspending, revising, or rescinding certain of these rules. The EPA or individual 
U.S. states could enact environmental regulations that would affect our operations.

Any passage of climate control legislation or other regulatory initiatives by the IMO, the EU, the U.S. or other countries where 
we  operate,  or  any  treaty  adopted  at  the  international  level  to  succeed  the  Kyoto  Protocol  or  Paris  Agreement,  that  restricts 
emissions  of  greenhouse  gases  could  require  us  to  make  significant  financial  expenditures  which  we  cannot  predict  with 
certainty at this time. Even in the absence of climate control legislation, our business may be indirectly affected to the extent 
that climate change may result in sea level changes or certain weather events.

48

Vessel Security Regulations

Since  the  terrorist  attacks  of  September  11,  2001  in  the  United  States,  there  have  been  a  variety  of  initiatives  intended  to 
enhance  vessel  security  such  as  the  U.S.  Maritime  Transportation  Security  Act  of  2002  (“MTSA”).  To  implement  certain 
portions  of  the  MTSA,  the  USCG  issued  regulations  requiring  the  implementation  of  certain  security  requirements  aboard 
vessels operating in waters subject to the jurisdiction of the United States and at certain ports and facilities, some of which are 
regulated by the EPA.

Similarly,  Chapter  XI-2  of  the  SOLAS  Convention  imposes  detailed  security  obligations  on  vessels  and  port  authorities  and 
mandates  compliance  with  the  International  Ship  and  Port  Facility  Security  Code  (“the  ISPS  Code”).  The  ISPS  Code  is 
designed  to  enhance  the  security  of  ports  and  ships  against  terrorism.  To  trade  internationally,  a  vessel  must  attain  an 
International  Ship  Security  Certificate  (“ISSC”)  from  a  recognized  security  organization  approved  by  the  vessel’s  flag  state. 
Ships operating without a valid certificate may be detained, expelled from, or refused entry at port until they obtain an ISSC. 
The various requirements, some of which are found in the SOLAS Convention, include, for example:

•

•

•

•

•

•

on-board  installation  of  automatic  identification  systems  to  provide  a  means  for  the  automatic  transmission  of  safety-
related  information  from  among  similarly  equipped  ships  and  shore  stations,  including  information  on  a  ship’s  identity, 
position, course, speed and navigational status;

on-board installation of ship security alert systems, which do not sound on the vessel but only alert the authorities on shore;

the development of vessel security plans;

ship identification number to be permanently marked on a vessel’s hull;

a continuous synopsis record kept onboard showing a vessel's history including the name of the ship, the state whose flag 
the ship is entitled to fly, the date on which the ship was registered with that state, the ship's identification number, the port 
at which the ship is registered and the name of the registered owner(s) and their registered address; and

compliance with flag state security certification requirements.

The USCG regulations, intended to align with international maritime security standards, exempt non-U.S. vessels from MTSA 
vessel  security  measures,  provided  such  vessels  have  on  board  a  valid  ISSC  that  attests  to  the  vessel’s  compliance  with  the 
SOLAS  Convention  security  requirements  and  the  ISPS  Code.  Future  security  measures  could  have  a  significant  financial 
impact on us. We intend to comply with the various security measures addressed by MTSA, the SOLAS Convention and the 
ISPS Code.

The cost of vessel security measures has also been affected by the escalation in the frequency of acts of piracy against ships, 
notably off the coast of Somalia, including the Gulf of Aden and Arabian Sea area.  Substantial loss of revenue and other costs 
may  be  incurred  as  a  result  of  detention  of  a  vessel  or  additional  security  measures,  and  the  risk  of  uninsured  losses  could 
significantly affect our business. Costs are incurred in taking additional security measures in accordance with Best Management 
Practices to Deter Piracy, notably those contained in the BMP5 industry standard.

Offshore Drilling Regulations

Our offshore drilling units are subject to many of the above environmental laws and regulations relating to vessels, but are also 
subject  to  laws  and  regulations  focused  on  offshore  drilling  operations.  We  may  incur  costs  to  comply  with  these  revised 
standards.

Rigs must comply with applicable MARPOL limits on sulfur oxide and nitrogen oxide emissions, chlorofluorocarbons, and the 
discharge  of  other  air  pollutants,  and  also  with  the  Bunker  Convention's  strict  liability  for  pollution  damage  caused  by 
discharges  of  bunker  fuel  in  jurisdictional  waters  of  ratifying  states.  We  believe  that  all  of  our  drilling  units  are  currently 
compliant in all material respects with these regulations. 

Furthermore, any drilling units that we may operate in U.S. waters, including the U.S. territorial sea and the 200 nautical mile 
exclusive  economic  zone  around  the  United  States,  would  have  to  comply  with  OPA  and  CERCLA  requirements,  among 
others, that impose liability (unless the spill results solely from the act or omission of a third party, an act of God or an act of 
war) for all containment and clean-up costs and other damages arising from discharges of oil or other hazardous substances.

49

The U.S. Bureau of Ocean Energy Management, or "BOEM", periodically issues guidelines for rig fitness requirements in the 
Gulf of Mexico and may take other steps that could increase the cost of operations or reduce the area of operations for our units, 
thus reducing their marketability. Implementation of BOEM guidelines or regulations may subject us to increased costs or limit 
the operational capabilities of our units, and could materially and adversely affect our operations and financial condition.

In addition to the MARPOL, OPA and CERCLA requirements described above, our international offshore drilling operations 
are  subject  to  various  laws  and  regulations  in  countries  in  which  we  operate,  including  laws  and  regulations  relating  to  the 
importation of and operation of drilling units and equipment, currency conversions and repatriation, oil and gas exploration and 
development,  environmental  protection,  taxation  of  offshore  earnings  and  earnings  of  expatriate  personnel,  the  use  of  local 
employees  and  suppliers  by  foreign  contractors,  and  duties  on  the  importation  and  exportation  of  drilling  units  and  other 
equipment.  New  environmental  or  safety  laws  and  regulations  could  be  enacted,  which  could  adversely  affect  our  ability  to 
operate in certain jurisdictions. Governments in some countries have become increasingly active in regulating and controlling 
the ownership of concessions and companies holding concessions, the exploration for oil and gas, and other aspects of the oil 
and gas industries in their countries. In some areas of the world, this governmental activity has adversely affected the amount of 
exploration and development work done by major oil and gas companies and may continue to do so. For example, on December 
20, 2016, the U.S. President invoked a law that banned offshore oil and gas drilling in large areas of the Arctic and the Atlantic 
Seaboard. A recent executive order sought to loosen that ban but was blocked by a federal court ruling in Alaska. The current 
administration appealed the decision. In September 2019, the House of Representatives passed two bills banning offshore oil 
and gas drilling off the Atlantic and Pacific coasts and the Gulf Coast of Florida. The House is also set to vote on a third bill 
banning drilling in Alaska’s Arctic National Wildlife Refuge. In conjunction with the 2016 U.S. ban, the government of Canada 
simultaneously banned new drilling in Canadian Arctic waters. Operations in less developed countries can be subject to legal 
systems  that  are  not  as  mature  or  predictable  as  those  in  more  developed  countries,  which  can  lead  to  greater  uncertainty  in 
legal  matters  and  proceedings.  Implementation  of  new  environmental  laws  or  regulations  that  may  apply  to  ultra-deepwater 
drilling units may subject us to increased costs or limit the operational capabilities of our drilling units and could materially and 
adversely affect our operations and financial condition.

Inspection by Classification Societies

The  hull  and  machinery  of  every  commercial  vessel  must  be  classed  by  a  classification  society  authorized  by  its  country  of 
registry.  The  classification  society  certifies  that  a  vessel  is  safe  and  seaworthy  in  accordance  with  the  applicable  rules  and 
regulations of the country of registry of the vessel and SOLAS. Most insurance underwriters make it a condition for insurance 
coverage  and  lending  that  a  vessel  be  certified  “in  class”  by  a  classification  society  which  is  a  member  of  the  International 
Association of Classification Societies, the IACS. The IACS has adopted harmonized Common Structural Rules, or "the Rules", 
which apply to oil tankers and bulk carriers contracted for construction on or after July 1, 2015. The Rules attempt to create a 
level of consistency between IACS Societies. Save for vessels and rigs in lay up, all of our vessels are certified as being “in 
class” by all the applicable Classification Societies (e.g., American Bureau of Shipping, Lloyd's Register of Shipping).

A  vessel  must  undergo  annual  surveys,  intermediate  surveys,  drydockings  and  special  surveys.  In  lieu  of  a  special  survey,  a 
vessel’s machinery may be on a continuous survey cycle, under which the machinery would be surveyed periodically over a 
five-year  period.  Every  vessel  is  also  required  to  be  carry  out  a  bottom  survey  every  30  to  36  months  for  inspection  of  the 
underwater parts of the vessel as dictated by statutory and class regulations.  If any vessel does not maintain its class and/or 
fails  any  annual  survey,  intermediate  survey,  drydocking  or  special  survey,  the  vessel  will  be  unable  to  carry  cargo  between 
ports  and  will  be  unemployable  and  uninsurable  which  could  cause  us  to  be  in  violation  of  certain  covenants  in  our  loan 
agreements.  Any  such  inability  to  carry  cargo  or  be  employed,  or  any  such  violation  of  covenants,  could  have  a  material 
adverse impact on our financial condition and results of operations.

50

Risk of Loss and Liability Insurance

General 

The  operation  of  any  cargo  vessel  includes  risks  such  as  mechanical  failure,  physical  damage,  collision,  property  loss,  cargo 
loss  or  damage  and  business  interruption  due  to  political  circumstances  in  foreign  countries,  piracy  incidents,  hostilities  and 
labor strikes. In addition, there is always an inherent possibility of marine disaster, including oil spills and other environmental 
mishaps,  and  the  liabilities  arising  from  owning  and  operating  vessels  in  international  trade.  OPA,  which  imposes  virtually 
unlimited liability upon shipowners, operators and bareboat charterers of any vessel trading in the exclusive economic zone of 
the  United  States  for  certain  oil  pollution  accidents  in  the  United  States,  has  made  liability  insurance  more  expensive  for 
shipowners  and  operators  trading  in  the  United  States  market.  We  carry  insurance  coverage  as  customary  in  the  shipping 
industry.  However,  not  all  risks  can  be  insured,  specific  claims  may  be  rejected,  and  we  might  not  be  always  able  to  obtain 
adequate insurance coverage at reasonable rates.

Hull and Machinery Insurance

We  procure  hull  and  machinery  insurance,  protection  and  indemnity  insurance,  which  includes  environmental  damage  and 
pollution  insurance  and  war  risk  insurance  and  freight,  demurrage  and  defense  insurance  for  our  fleet.  We  generally  do  not 
maintain insurance against loss of hire (except for certain charters for which we consider it appropriate), which covers business 
interruptions that result in the loss of use of a vessel.

Protection and Indemnity Insurance

Protection and indemnity insurance is provided by mutual protection and indemnity associations, or “P&I Associations,” and 
covers our third-party liabilities in connection with our shipping activities. This includes third-party liability and other related 
expenses of injury or death of crew, passengers and other third parties, loss or damage to cargo, claims arising from collisions 
with other vessels, damage to other third-party property, pollution arising from oil or other substances and salvage, towing and 
other  related  costs,  including  wreck  removal.  Protection  and  indemnity  insurance  is  a  form  of  mutual  indemnity  insurance, 
extended by protection and indemnity mutual associations, or “clubs.”

Our  current  protection  and  indemnity  insurance  coverage  for  pollution  is  $1  billion  per  vessel  per  incident.  The  13  P&I 
Associations  that  comprise  the  International  Group  insure  approximately  90%  of  the  world’s  commercial  tonnage  and  have 
entered into a pooling agreement to reinsure each association’s liabilities. The International Group’s website states that the Pool 
provides a mechanism for sharing all claims in excess of US$ 10 million up to, currently, approximately US$ 8.2 billion.  As a 
member of a P&I Association, which is a member of the International Group, we are subject to calls payable to the associations 
based on our claim records as well as the claim records of all other members of the individual associations and members of the 
shipping pool of P&I Associations comprising the International Group.

The insurance of our vessels which are chartered on a bareboat basis or on a time charter basis to Frontline Shipping and the 
Golden Ocean Charterer is the responsibility of the bareboat charterers, Frontline Management or Golden Ocean Management, 
respectively, who arrange insurance in line with standard industry practice. We are responsible for the insurance of our other 
time chartered and voyage chartered vessels. In accordance with standard practice, we maintain marine hull and machinery and 
war  risks  insurance,  which  include  the  risk  of  actual  or  constructive  total  loss,  and  protection  and  indemnity  insurance  with 
mutual assurance associations. From time to time we carry insurance covering the loss of hire resulting from marine casualties 
in respect of some of our vessels. Currently, the amount of coverage for liability for pollution, spillage and leakage available to 
us on commercially reasonable terms through protection and indemnity associations and providers of excess coverage is up to 
$1 billion per vessel per occurrence. Protection and indemnity associations are mutual marine indemnity associations formed by 
shipowners to provide protection from large financial loss to one member by contribution towards that loss by all members.

We  believe  that  our  current  insurance  coverage  is  adequate  to  protect  us  against  the  accident-related  risks  involved  in  the 
conduct  of  our  business  and  that  we  maintain  appropriate  levels  of  environmental  damage  and  pollution  insurance  coverage, 
consistent with standard industry practice. However, there is no assurance that all risks are adequately insured against, that any 
particular claims will be paid, or that we will be able to procure adequate insurance coverage at commercially reasonable rates 
in the future.

51

Seasonality

A large part of our vessels are chartered at fixed rates on a long-term basis and seasonal factors do not have a significant direct 
effect on our business. Our tankers on charter to Frontline Shipping and our dry bulk carriers on charter to the Golden Ocean 
Charterer are subject to profit sharing agreements and to the extent that seasonal factors affect the profits of the charterers of 
these vessels we will also be affected. We also have ten dry bulk carriers and two Suezmax tankers trading in the spot or short 
term  time  charter  market,  and  the  effects  of  seasonality  may  affect  the  earnings  of  these  vessels.  Following  scrubber 
installations  on  seven  container  vessels  on  charter  to  Maersk,  the  agreements  were  amended  to  include  sharing  of  fuel  cost 
savings  with  Maersk.  Scrubber  installations  on  two  VLCCs  to  Frontline,  seven  Capesize  bulkers  to  Golden  Ocean  and  two 
Suezmax tankers will potentially lead to fuel cost savings affecting earnings and profit share. The fuel savings will depend on 
the  price  difference  between  IMO  compliant  fuel  and  IMO  non-compliant  fuel  that  is  subsequently  made  compliant  by  the 
scrubbers. 

C. ORGANIZATIONAL STRUCTURE

See Exhibit 8.1 for a list of our significant subsidiaries.

52

 
D. PROPERTY, PLANTS AND EQUIPMENT

We  own  a  substantially  modern  fleet  of  vessels.  The  following  table  sets  forth  the  fleet  that  we  own  or  charter-in  including 
those in our associated companies as of March 22, 2021. All of the VLCCs, Suezmax tankers, product tankers and chemical 
tankers are double-hull vessels.

Vessel

VLCCs

Front Energy

Front Force
Landbridge Wisdom

Suezmaxes

Glorycrown

Everbright

Capesize Dry Bulk Carriers

Belgravia

Battersea

Golden Magnum

Golden Beijing

Golden Future

Golden Zhejiang

Golden Zhoushan

KSL China

Kamsarmax Dry Bulk Carriers

Sinochart Beijing

Min Sheng 1

Handysize Dry Bulk Carriers

SFL Spey

SFL Medway

SFL Trent

SFL Kent

SFL Tyne

SFL Clyde

SFL Dee 

Product Tankers
SFL Trinity

SFL Sabine

Chemical Tankers

Maria Victoria V

SC Guangzhou

Approximate

Built

Capacity

Flag

Lease
Classification *

Charter 
Termination
Date*

2004

2004

2020

305,000 Dwt

305,000 Dwt

308,000 Dwt

2009

2010

156,000 Dwt

156,000 Dwt

2009

2009

2009

2010

2010

2010

2011

2013

2012

2012

2011

2011

2012

2012

2012

2012

2013

170,000 Dwt

170,000 Dwt

180,000 Dwt

176,000 Dwt

176,000 Dwt

176,000 Dwt

176,000 Dwt

180,000 Dwt

82,000 Dwt

82,000 Dwt

34,000 Dwt

34,000 Dwt

34,000 Dwt

34,000 Dwt

32,000 Dwt

32,000 Dwt

32,000 Dwt

2017

2017

114,000 Dwt

114,000 Dwt

MI

MI

HK

MI

MI

MI

MI

HK

HK

HK

HK

HK

MI

HK

HK

HK

HK

HK

HK

HK

HK

HK

MI

MI

Direct Financing

Direct Financing

2027

2027

Leaseback assets

2027 (1)

n/a

n/a

Operating 

Operating 

Operating 

Operating 

Operating 

Operating 

Operating 

Operating 

n/a (2)

n/a (2)

2025 (1)

2025 (1)

2025 (1)

2025 (1)

2025 (1)

2025 (1)

2025 (1)

2025 (1)

Operating 

Operating 

2022

2022

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a  (2)

n/a  (2)

n/a  (2)

n/a  (2)

n/a  (2)

n/a  (2)

n/a  (2)

Operating 

Operating 

2024

2024

2008

2008

17,000 Dwt

17,000 Dwt

PAN

PAN

Operating 

Operating 

2021 (1)

2021 (1)

53

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Container vessels

MSC Margarita

MSC Vidhi

MSC Vaishnavi R.

MSC Julia R.

MSC Arushi R.

MSC Katya R. 

MSC Anisha R.

MSC Vidisha R. 

MSC Zlata R. 

MSC Alice

Asian Ace

Green Ace

San Felipe

San Felix

San Fernando

San Francisca

Maersk Sarat

Maersk Skarstind

Maersk Shivling

MSC Anna

MSC Viviana

MSC Alabama

MSC Alyssa

MSC Belle

MSC Caitlin

MSC Edith

MSC Erminia

MSC Giannina

MSC Himanshi

MSC Japan

MSC Jemima

MSC Korea

MSC Mandy

MSC Nilgun

MSC Rossella

MSC Santhya

Thalassa Axia

Thalassa Doxa

Thalassa Mana

Thalassa Tyhi

Cap San Vincent

Cap San Lazaro

Cap San Juan

MSC Erica

MSC Reef

MSC England

2002

2001

2002

2002

2002

2002

2002

2002

2002

2003

2005

2005

2014

2014

2015

2015

2015

2016

2016

2016

2017

1996

2001

1998

1998

1998

1993

1997

1997

1996

1994

1996

1993

1994

1993

1991

2014

2014

2014

2014

2015

2015

2015

2016

2016

2001

5,800 TEU

5,800 TEU

4,100 TEU

4,100 TEU

4,100 TEU

4,100 TEU

4,100 TEU

4,100 TEU

4,100 TEU

1,700 TEU

1,700 TEU

1,700 TEU

8,700 TEU

8,700 TEU

8,700 TEU

8,700 TEU

9,500 TEU

9,500 TEU

9,300 TEU

19,200 TEU

19,200 TEU

3,424 TEU

4,354 TEU

1,098 TEU

1,733 TEU

1,733 TEU

3,720 TEU

2,061 TEU

2,072 TEU

3,424 TEU

2,394 TEU

3,424 TEU

3,007 TEU

2,394 TEU

3,502 TEU

3,005 TEU

13,800 TEU

13,800 TEU

13,800 TEU

13,800 TEU

10,600 TEU

10,600 TEU

10,600 TEU

19,400 TEU

19,400 TEU

4,132 TEU

54

LIB

LIB

LIB

LIB

LIB

LIB

LIB

LIB

LIB

LIB

LIB

LIB

MI

MI

MI

MI

LIB

LIB

LIB

LIB

LIB

PAN

PAN

PAN

LIB

LIB

PAN

PT

LIB

PAN

PAN

PAN

PAN

PAN

PAN

PAN

LIB

LIB

LIB

LIB

MI

MI

MI

LIB

LIB

LIB

Sales Type

Sales Type

Sales Type

Sales Type

Sales Type

Sales Type

Sales Type

Sales Type

Sales Type

Sales Type

Operating

Operating

Operating 

Operating 

Operating 

Operating 

Operating 

Operating 

Operating 

Direct Financing

Direct Financing

Direct Financing

Direct Financing

Direct Financing

Direct Financing

Direct Financing

Direct Financing

Direct Financing

Direct Financing

Direct Financing

Direct Financing

Direct Financing

Direct Financing

Direct Financing

Direct Financing

Direct Financing

Operating 

Operating 

Operating 

Operating 

Operating 

Operating 

Operating 

Direct Financing

Direct Financing

2024 (1) (5)

2024 (1) (5)

2025 (1) (7)

2025 (1) (7)

2025 (1) (7)

2025 (1) (7)

2025 (1) (7)

2025 (1) (7)

2025 (1) (7)

2022 (1)

2022

2021

2024

2024

2025

2025

2024

2024

2024

2031 (1) (3)

2032 (1) (3)

2025 (1)

2025 (1)

2025 (1)

2025 (1)

2025 (1)

2025 (1)

2025 (1)

2025 (1)

2025 (1)

2025 (1)

2025 (1)

2025 (1)

2025 (1)

2025 (1)

2025 (1)

2024 (6)

2024 (6)

2024 (6)

2024 (6)

2024 (1) (4)

2024 (1) (4)

2024 (1) (4)

2033 (1) (3)

2033 (1) (3)

Leaseback assets

2025  (1)

 
 
 
 
 
 
 
 
MSC Sarah

MSC Positano

Car Carriers

SFL Composer

SFL Conductor

Jack-Up Drilling Rigs

West Linus 

Ultra-Deepwater Drill Units

West Hercules

West Taurus

Supramax Dry Bulk Carriers

SFL Hudson

SFL Yukon

SFL Sara

SFL Kate

SFL Humber

2000

1997

4,400 TEU

2,456 TEU

2005

2006

6,500 CEU

6,500 CEU

LIB

LIB

HK

PAN

Leaseback assets

Leaseback assets

2025  (1)

2025  (1)

Operating 

Operating 

2021 (2)

2021 (2)

2014

450 ft

NOR

Direct Financing

2029 (1) (8)

2008

2008

2009
2010

2011

2011

2012

10,000 ft

10,000 ft

57,000 Dwt 

57,000 Dwt

57,000 Dwt

57,000 Dwt

57,000 Dwt

PAN

PAN

MI
HK

HK

HK

HK

Direct Financing

n/a

n/a
n/a

n/a

Operating 

Operating 

2024 (1) (8)

n/a (1) (8)

n/a (2)
n/a (2)

n/a (2)

2021  

2022  

Key to Flags: HK – Hong Kong, LIB – Liberia, MI – Marshall Islands, PAN – Panama, PT – Portugal, NOR – Norway. 

Notes: 

(1) Charterer has purchase options or obligations during the term or at the end of the charter.

(2) Currently employed on a short-term charter or trading in the spot market. 

(3) Vessel chartered-in and out on direct financing leases and included in associated companies.

(4) Vessel chartered-in as finance leases and out as operating leases.

(5) These vessels were extended in 2019 and lease classification changed from operating leases to sales type leases.

(6) Extended in 2020. Charterer has 18 months extension option.

(7) These vessels were extended in 2020 and lease classification changed from operating leases to sales type leases. 

(8) These  rigs  are  chartered  to  subsidiaries  of  Seadrill.  In  February  2021,  Seadrill  and  most  of  its  subsidiaries  filed 
Chapter 11 cases in the Southern District of Texas. Therefore, the leases are subject to amendments. See Risk factors 
and Item 4 above. 

*

as at December 31, 2020.

Substantially, all of our owned vessels and rigs are pledged under mortgages, excluding three 1,700 TEU container vessels, two 
chemical tankers and one ultra deepwater drilling rig.

Other than our interests in the vessels and drilling units described above, we do not own any material physical properties. We 
lease  office  space  in  Oslo  from  Seatankers  Management  Norway  AS  and  in  London  from  Frontline  Corporate  Services  Ltd, 
both related parties.

ITEM 4A.  UNRESOLVED STAFF COMMENTS

None.

55

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
ITEM 5.  OPERATING AND FINANCIAL REVIEW AND PROSPECTS

The  following  discussion  should  be  read  in  conjunction  with  Item  3.  "Selected  Financial  Data",  Item  4.  "Information  on  the 
Company" and our audited consolidated financial statements and notes thereto included herein.

56

A. OPERATING RESULTS

Overview
Following our spin-off from Frontline and the purchase of our original fleet in 2004, we have established ourselves as a leading 
international maritime asset-owning company with a large and diverse asset base across the maritime and offshore industries. A 
full fleet list is provided in Item 4D "Information on the Company" showing the assets that we currently own and charter to our 
customers.

Fleet Development

The  following  table  summarizes  the  development  of  our  active  fleet  of  vessels,  including  four  chartered-in  container  vessels 
that are included in our associated companies and seven container vessels financed through sale and leaseback transactions:

Vessel type
Oil Tankers
Chemical tankers
Dry bulk carriers 
Container vessels
Car carriers
Jack-up drilling rigs
Ultra-deepwater drill units
Offshore support vessels
Product tankers

Total fleet
December 31, 
2018

Additions/
Disposals
2019

Total fleet
December 31, 
2019

  +3 

  +3 

5 
2 
22 
45 
2 
1 
2 
5 
2 

8 
2 
22 
48 
2 
1 
2 
5 
2 

 Additions/
Disposals
2020

  +1 

-4

-5

Total fleet
December 31, 
2020

5 
2 
22 
48 
2 
1 
2 
— 
2 

84 

Total Active Fleet

86 

  +6 

  —   

92 

  +1 

-9   

There have not been any deliveries or disposals that have taken place or are scheduled to take place between January 1, 2021 
and March 22, 2021. 

Factors Affecting Our Current and Future Results

Principal  factors  that  have  affected  our  results  since  2004,  and  are  expected  to  affect  our  future  results  of  operations  and 
financial position, include:

•

•

•

•

•

•

•
•

•

the  earnings  of  our  vessels  under  time  charters  and  bareboat  charters  to  Frontline  Shipping,  the  Seadrill 
Charterers, the Golden Ocean Charterer and other charterers;

the  earnings  of  our  vessels  under  short  term  charter  or  trading  in  the  spot  market  impacted  by  freight  market 
conditions;

the  amount  we  receive  under  the  profit  sharing  arrangements  with  Frontline  Shipping,  the  Golden  Ocean 
Charterer, and sharing arrangements on fuel cost savings with Maersk;

the earnings and expenses related to any additional vessels that we acquire;

earnings from the sale of assets and termination of charters;

vessel management fees and operating expenses;

vessel impairments;
administrative expenses;  

interest expenses; 

• mark-to-market movements on investment in equity securities; and

• mark-to-market movements on derivative financial instruments

57

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Revenues

As discussed above, Frontline Shipping was our principal customer when we were spun-off from Frontline in 2004. Since then, 
we have increased our customer base from one to more than 10 customers including related parties Frontline Shipping, Seadrill 
and  Golden  Ocean.  In  the  year  ended  December  31,  2020,  Frontline  Shipping  accounted  for  approximately  6%  of  our 
consolidated operating revenues (2019: 4%, 2018: 8%). In the year ended December 31, 2020, we had eight Capesize dry bulk 
carriers leased to a subsidiary of Golden Ocean which accounted for approximately 11% of our consolidated operating revenues 
(2019:  11%,  2018:  13%).  Also,  in  the  year  ended  December  31,  2020,  we  had  two  drilling  units  consolidated  from  October 
2020 and leased to Seadrill which accounted for approximately 1% of our consolidated operating revenues (2019: 0%, 2018: 
0%).

In the year ended December 31, 2020, we earned income on 32 container vessels on long-term bareboat charters to MSC, an 
unrelated party, four of which were sold on December 31, 2020 as part of the sale of 50.1% of River Box, which accounted for 
approximately 13% of our consolidated operating revenues (2019: 14%, 2018: 11%).

We had 12 container vessels on long-term time charters to Maersk at December 31, 2020, which accounted for approximately 
29% of our consolidated operating revenues (2019: 30%, 2018: 27%). 

We also had four container vessels on time charter to Evergreen Marine Corp., which accounted for approximately 15% of our 
consolidated operating revenues in the year ended December 31, 2020 (2019: 14%, 2018: 10%).

Our revenues arise primarily from our long-term, fixed-rate charters and as shown in Results of Operations below the majority 
of  our  income  is  derived  from  time  charter  income,  however  we  also  have  finance  lease  interest  and  service  income,  and 
bareboat charter income from operating leases. 

Our future earnings are dependent upon the continuation of existing lease arrangements and our continued investment in new 
lease arrangements. Future earnings may be significantly affected by the sale of vessels or a default by counterparties under our 
chartering agreements. Investments and sales which have affected our earnings since January 1, 2020, are listed in Item 4 above 
under  acquisitions  and  disposals.  Some  of  our  lease  arrangements  contain  purchase  options  which,  if  exercised  by  our 
charterers, will affect our future leasing revenues.

In 2013, we began to derive income from voyage charters. Currently, we have ten dry bulk carriers and two Suezmax tankers 
trading in the spot or short-term time charter market, where the effects of seasonality may affect the earnings of these vessels. 

We have profit sharing agreements with some of our charterers, in particular with Frontline Shipping and the Golden Ocean 
Charterer.  Revenues  received  under  profit  sharing  agreements  depend  upon  the  returns  generated  by  the  charterers  from  the 
deployment of our vessels. These returns are subject to market conditions which have historically been subject to significant 
volatility.  Historically,  our  main  profit  share  income  has  arisen  from  our  tankers  chartered  to  Frontline  Shipping.  The  profit 
sharing  percentage  with  Frontline  Shipping  is  50%  of  earnings  above  time-charter  rates,  payable  on  a  quarterly  basis.  In 
addition to the tankers chartered to Frontline Shipping, our eight Capesize dry bulk carriers on long-term charter to the Golden 
Ocean Charterer include profit sharing arrangements whereby we earn a 33% of profits earned by the vessels above threshold 
levels. 

In  May  2019  and  March  2020,  we  agreed  to  extend  the  charters  with  Maersk  on  the  four  8,700  TEU  container  vessels  (San 
Felipe, San Felix, San Francisca and San Fernando) and three 9,300 to 9,500 TEU Container vessels (Maersk Sarat, Maersk 
Skarstind and Maersk Shivling). The initial periods of the charters were extended for all vessels at a revised charter hire. As part 
of  the  charter  agreement,  we  agreed  to  finance  the  scrubbers  to  be  installed  on  these  vessels  and  receive  a  share  of  the  cost 
savings achieved by the charterer on fuel price from using the scrubbers.

58

 
Vessel Management and Operating Expenses

Our  vessel-owning  subsidiaries  with  vessels  on  charter  to  Frontline  Shipping  have  entered  into  fixed  rate  management 
agreements with Frontline Management, under which Frontline Management is responsible for all technical management of the 
vessels.  These  subsidiaries  each  pay  Frontline  Management  a  fixed  fee  of  $9,000  per  day  per  vessel  for  these  services.  An 
exception to this arrangement is for any vessel chartered to Frontline Shipping which is sub-chartered by them on a bareboat 
basis, for which no management fee is payable for the duration of bareboat sub-charter. Similarly, the vessels on time-charter to 
the  Golden  Ocean  Charterer  pay  a  fixed  fee  of  $7,000  per  day  per  vessel  to  Golden  Ocean  Management,  a  wholly-owned 
subsidiary of Golden Ocean, for all technical management of the vessels.

In addition to the two vessels on charter to Frontline Shipping and the eight vessels on charter to Golden Ocean Charterer, we 
also have 16 container vessels, two car carriers, four dry bulk carriers and two product tankers employed on time charters, and 
two Suezmax tankers and ten dry bulk carriers employed in the spot or short term time charter market. We have outsourced the 
technical management for these vessels and we pay operating expenses for the vessels as they are incurred. Operating expenses 
include mainly crew costs, repairs and maintenance, spares and supplies, insurance, management fees and drydocking. 

The remaining vessels we own that have charters attached to them are employed on bareboat charters, where the charterer pays 
all operating expenses, including maintenance, drydocking and insurance.

Vessel Impairments

The vessels and rigs held and used by us are reviewed for impairment on a quarterly basis and whenever events or changes in 
circumstances indicate that the carrying amount of an asset may not be recoverable, an impairment charge is recognized if the 
estimate of future undiscounted cash flows expected to result from the use of the vessel or rig and its eventual disposal is less 
than its carrying amount.

Administrative Expenses

Administrative  expenses  consist  of  general  corporate  overhead  expenses,  including  personnel  costs,  property  costs,  legal  and 
professional fees, and other administrative expenses. Personnel costs include, among other things, salaries, pension costs, fringe 
benefits, travel costs and health insurance. We have entered into administrative services agreements with Frontline Management 
and Seatankers Management Co. Ltd., or Seatankers, under which they provide us with certain administrative support services, 
and have agreed to reimburse them for reasonable third party costs, if any, advanced on our behalf. Some of the compensation 
paid to Frontline Management and Seatankers is based on cost sharing for the services rendered, based on actual incurred costs 
plus a margin.

Mark-to-Market Movements on derivative financial instruments

In order to hedge against fluctuations in interest rates, we have entered into interest rate swaps which effectively fix the interest 
payable on a portion of our floating rate debt. We have also entered into interest/currency swaps in order to fix both the interest 
and exchange rates applicable to the payment of interest and eventual settlement on our floating rate NOK bonds. Although the 
intention is to hold such financial instruments until maturity, US GAAP requires us to record them at market valuation in our 
financial statements. Adjustments to the mark-to-market valuation of these derivative financial instruments, which are caused 
by  variations  in  interest  and  exchange  rates,  are  reflected  in  results  of  operations  and  other  comprehensive  income. 
Accordingly, our financial results may be affected by fluctuations in interest and exchange rates.

Mark-to-Market Movements on investment in equity securities

We  hold  investments  in  shares  consisting  of  approximately  1.4  million  shares  in  Frontline  listed  on  the  New  York  Stock 
Exchange (“NYSE”), 1.3 million shares in NorAm Drilling Company AS (“NorAm Drilling”) traded in the Norwegian Over 
the Counter market ("OTC"). We also held approximately 4.0 million shares in ADS Maritime Holding Plc. ("ADS Maritime 
Holding"), listed on the Merkur Market at the Oslo Stock Exchange which were sold in March 2021 (See note 29: Subsequent 
Events). Upon the adoption of ASU 2016-01 from January 2018, we recognize any changes in the fair value of these equity 
investments in the statement of operations.

59

 
 
 
 
Interest Expenses

Other than the interest expense associated with our senior unsecured convertible bonds, and our senior unsecured NOK bonds, 
the amount of our interest expense will be dependent on our overall borrowing levels and may significantly increase when we 
acquire vessels or on the delivery of newbuildings. Interest incurred during the construction of a newbuilding is capitalized in 
the cost of the newbuilding. Interest expense may also change with prevailing interest rates, although the effect of these changes 
may be reduced by interest rate swaps or other derivative instruments that we enter into. 

Equity in earnings of associated companies

Our income earned from Seadrill is through three wholly owned subsidiaries which are accounted for using the equity method, 
that  lease  drilling  units  to  subsidiaries  of  Seadrill.  In  October,  2020,  two  of  the  wholly  owned  subsidiaries  accounted  for  as 
associates,  SFL  Linus  and  SFL  Deepwater,  ceased  to  be  accounted  for  as  associates  and  become  consolidated.    In  the  year 
ended December 31, 2020, income from associated companies accounted for 7.2% of our net loss (2019: 35.0% of net income, 
2018: 39.1% of net income). 

Critical Accounting Policies and Estimates

The preparation of our consolidated financial statements in accordance with US GAAP requires management to make estimates 
and assumptions affecting the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the 
date of our financial statements, and the reported amounts of revenues and expenses during the reporting period.  The following 
is  a  discussion  of  the  accounting  policies  we  apply  that  are  considered  to  involve  a  higher  degree  of  judgment  in  their 
application. For details of all our material accounting policies, see Note 2 to our consolidated financial statements. 

Revenue Recognition

Effective  from  January  1,  2018,  we  adopted  the  new  accounting  standard  ASC,  Topic  606  "Revenue  from  Contracts  with 
Customers" using the modified retrospective method, which resulted in no adjustment to our retained earnings on adoption and 
comparative information has not been restated and continues to be reported under the accounting standards in effect for those 
periods.

We generate our revenues from the charter hire of our vessels and offshore related assets, and freight billings. Revenues are 
generated from time charter hire, bareboat charter hire, direct financing lease interest income, sales-type lease interest income, 
leaseback assets interest income, direct financing lease service revenues, profit sharing arrangements, voyage charters and other 
freight billings. 

In a time charter voyage, the vessel is hired by the charterer for a specified period of time in exchange for consideration which 
is  based  on  a  daily  hire  rate.  Generally,  the  charterer  has  the  discretion  over  the  ports  called  on,  shipping  routes  and  vessel 
speed. The contract/charter party generally provides typical warranties regarding the speed and performance of the vessel. The 
charter party generally has some owner protective restrictions such that the vessel is sent only to safe ports by the charterer and 
carries only lawful or non-hazardous cargo. In a time charter contract, we are responsible for all the costs incurred for running 
the vessel such as crew costs, vessel insurance, repairs and maintenance and lubrication oils ("lubes") and other costs relevant to 
operating the vessel. The charterer bears the voyage related costs such as bunker expenses, port charges, canal tolls during the 
hire period. The performance obligations in a time charter contract are satisfied over the term of the contract beginning when 
the vessel is delivered to the charterer until it is redelivered back to us. The charterer generally pays the charter hire in advance 
of the upcoming contract period. The time charter contracts are either operating or direct financing or sales-type leases. Where 
time  charters  and  bareboat  charters  are  considered  operating  leases  revenues  are  recorded  over  the  term  of  the  charter  as  a 
service is provided. When a time charter contract is linked to an index, we recognize revenue for the applicable period based on 
the actual index for that period.

Rental  payments  from  direct  financing  and  sales-type  leases  and  leaseback  assets  are  allocated  between  service  revenues,  if 
applicable, interest income and capital repayments. The amount allocated to lease service revenue is based on the estimated fair 
value, at the time of entering the lease agreement, of the services provided which consist of ship management and operating 
services.

60

 
 
In a voyage charter contract, the charterer hires the vessel to transport a specific agreed-upon cargo for a single voyage. The 
consideration in such a contract is determined on the basis of a freight rate per metric ton of cargo carried or occasionally on a 
lump  sum  basis.  The  charterer  is  responsible  for  any  short  loading  of  cargo  or  "dead"  freight.  The  voyage  charter  party 
generally has standard payment terms with freight paid on completion of discharge. The voyage charter party generally has a 
"demurrage" clause. As per this clause, the charterer reimburses us for any potential delays exceeding the allowed laytime as 
per the charter party clause at the ports visited, which is recorded as voyage revenue. Estimates and judgments are required in 
ascertaining the most likely outcome of a particular voyage and actual outcomes may differ from estimates. Such estimate is 
reviewed and updated over the term of the voyage charter contract. In a voyage charter contract, the performance obligations 
begin to be satisfied once the vessel begins loading the cargo.

We  have  determined  that  our  voyage  charter  contracts  consist  of  a  single  performance  obligation  of  transporting  the  cargo 
within a specified time period. Therefore, the performance obligation is met evenly as the voyage progresses, and the revenue is 
recognized  on  a  straight-line  basis  over  the  voyage  days  from  the  commencement  of  loading  to  completion  of  discharge. 
Contract assets with regards to voyage revenues are reported as "Voyages in progress" as the performance obligation is satisfied 
over time. Voyage revenues typically become billable and due for payment on completion of the voyage and discharge of the 
cargo, at which point the receivable is recognized as "Trade accounts receivable, net".

In  a  voyage  contract,  we  bear  all  voyage  related  costs  such  as  fuel  costs,  port  charges  and  canal  tolls.  To  recognize  costs 
incurred to fulfill a contract as an asset, the following criteria shall be met: (i) the costs relate directly to the contract, (ii) the 
costs generate or enhance resources of the entity that will be used in satisfying performance obligations in the future and (iii) 
the  costs  are  expected  to  be  recovered.  The  costs  incurred  during  the  period  prior  to  commencement  of  loading  the  cargo, 
primarily bunkers, are deferred as they represent setup costs and recorded as a current asset and are subsequently amortized on a 
straight-line  basis  as  we  satisfy  the  performance  obligations  under  the  contract.  Costs  incurred  to  obtain  a  contract,  such  as 
commissions, are also deferred and expensed over the same period.

For  our  vessels  operating  under  revenue  sharing  agreements,  or  in  pools,  revenues  and  voyage  expenses  are  pooled  and 
allocated to each pool’s participants in accordance with an agreed-upon formula. Revenues generated through revenue sharing 
agreements are presented gross when we are considered the principal under the charter parties with the net income allocated 
under the revenue sharing agreement presented as within voyage charter income. For revenue sharing agreements that meet the 
definition of a lease, we account for such contracts as variable rate operating leases and recognize revenue for the applicable 
period based on the actual net revenue distributed by the pool.

Any  contingent  elements  of  rental  income,  such  as  profit  share,  fuel  savings  payments  or  interest  rate  adjustments,  are 
recognized when the contingent conditions have materialized. 

Frontline Shipping pays us a profit sharing rate of 50% of their earnings above average threshold charter rates on a time-charter 
equivalent basis from their use of our fleet each quarter. For each profit sharing period, the threshold is calculated as the number 
of days in the period multiplied by the daily threshold TCE rates for the applicable vessels. The 50% profit sharing agreement 
with Frontline Shipping is payable on a quarterly basis. 

In 2015, we acquired eight Capesize dry bulk carriers from subsidiaries of Golden Ocean and immediately upon delivery each 
vessel commenced a ten year time-charter to the Golden Ocean Charterer. The terms of the charters provide that we will receive 
a  profit  sharing  rate  of  33%  of  their  earnings  above  average  threshold  charter  rates,  calculated  quarterly  on  a  time-charter 
equivalent basis. 

During 2019 and 2020, the charter agreements relating to seven containerships chartered to Maersk on a time charter basis were 
amended after we agreed to install scrubbers on the vessels. As part of the charter agreement, we expect to receive a share of the 
fuel savings.The fuel savings will depend on the price difference between IMO compliant fuel and IMO non-compliant fuel that 
is subsequently made compliant by the scrubbers. 

61

Investment in Debt and Equity Securities

Investments  in  debt  and  equity  securities  include  share  investments  and  interest-earning  listed  and  unlisted  corporate  bonds. 
Any premium paid on their acquisition is amortized over the life of the bond. Investments in debt securities are recorded at fair 
value, with unrealized gains and losses recorded as a separate component of other comprehensive income. Investments in equity 
securities are recorded at fair value, with unrealized gains and losses recorded in the consolidated statement of operations. If 
circumstances arise which lead us to believe that the issuer of a corporate bond may be unable meet its payment obligations in 
full, or that the fair value at acquisition of the share investment or corporate bond may otherwise not be fully recoverable, then 
to the extent that a loss is expected to arise that unrealized loss is recorded as an impairment in the statement of operations, with 
an adjustment if necessary to any unrealized gains or losses previously recorded in other comprehensive income. In determining 
whether we have an other-than-temporary impairment in our investment in bonds, in addition to our intention and ability to hold 
the investments until the market recovers, we consider the period of decline, the amount and the severity of the decline and the 
ability of the investment to recover in the near to medium term. We also evaluate if the underlying security provided by the 
bonds is sufficient to ensure that the decline in fair value of these bonds did not result in an other-than-temporary impairment. 

The  cost  of  disposals  or  reclassifications  from  other  comprehensive  income  is  calculated  on  an  average  cost  basis,  where 
applicable.

The fair value of unlisted corporate bonds is determined from an analysis of projected cash flows, based on factors including 
the terms, provisions and other characteristics of the bonds, credit ratings and default risk of the issuing entity, the fundamental 
financial and other characteristics of that entity, and the current economic environment and trading activity in the debt market. 

Vessels and equipment (including operating lease assets)

Vessels  and  equipment  are  recorded  at  historical  cost  less  accumulated  depreciation  and,  if  appropriate,  impairment  charges. 
The  cost  of  these  assets  less  estimated  residual  value  is  depreciated  on  a  straight-line  basis  over  the  estimated  remaining 
economic  useful  life  of  the  asset.  The  estimated  economic  useful  life  of  our  offshore  assets,  including  drilling  rigs  and 
drillships, is 30 years and for all other vessels it is 25 years.

Where an asset is subject to an operating lease that includes fixed price purchase options, the projected net book value of the 
asset is compared to the option price at the various option dates. If any option price is less than the projected net book value at 
an option date, the initial depreciation schedule is amended so that the carrying value of the asset is written down on a straight 
line  basis  to  the  option  price  at  the  option  date.  If  the  option  is  not  exercised,  this  process  is  repeated  so  as  to  amortize  the 
remaining carrying value, on a straight line basis, to the estimated scrap recycling value or the option price at the next option 
date, as appropriate.

This accounting policy for fixed assets has the effect that if an option is exercised there will be either a) no gain or loss on the 
sale of the asset or b) in the event that the option is exercised at a price in excess of the net book value at the option date, a gain 
will be reported in the statement of operations at the date of delivery to the new owners, under the heading "gain on sale of 
assets and termination of charters".

We capitalize and depreciate the costs of significant replacements, renewals and upgrades to its vessels over the shorter of the 
vessel’s remaining useful life or the life of the renewal or upgrade. The amount capitalized is based on management’s judgment 
as  to  expenditures  that  extend  a  vessel’s  useful  life  or  increase  the  operational  efficiency  of  a  vessel.  Costs  that  are  not 
capitalized are recorded as a component of direct vessel operating expenses during the period incurred. Expenses for routine 
maintenance  and  repairs  are  expensed  as  incurred.  Advances  paid  in  respect  of  vessel  upgrades  in  relation  to  Exhaust  Gas 
Cleaning Systems ("EGCS") and Ballast water treatment systems ("BWTS") are included within "other long-term assets", until 
such time as the equipment is installed on a vessel, at which point it is transferred to "Vessels and equipment, net".

If the estimated economic useful life or estimated residual value of a particular vessel is incorrect, or circumstances change and 
the estimated economic useful life and/or residual value have to be revised, an impairment loss could result in future periods. 
We monitor the carrying values of our vessels, including direct financing lease assets, and revise the estimated useful lives and 
residual values of any vessels where appropriate, particularly when new regulations are implemented.

62

Vessels and Equipment under Finance lease

We  charter-in  certain  vessels  and  equipment  under  leasing  agreements.  Leases  of  vessels  and  equipment,  where  we  have 
substantially all the risks and rewards of ownership, are classified as "vessels under finance lease", with corresponding finance 
lease liabilities recorded.  

We capitalize and depreciate the costs of significant replacements, renewals and upgrades to its vessels over the shorter of the 
vessel’s remaining useful life or the life of the renewal or upgrade. The amount capitalized is based on management’s judgment 
as  to  expenditures  that  extend  a  vessel’s  useful  life  or  increase  the  operational  efficiency  of  a  vessel.  Costs  that  are  not 
capitalized are recorded as a component of direct vessel operating expenses during the period incurred. Expenses for routine 
maintenance and repairs are expensed as incurred. Advances paid in respect of vessel upgrades in relation to EGCS and BWTS 
are  included  within  "other  long-term  assets",  until  such  time  as  the  equipment  is  installed  on  a  vessel,  at  which  point  it  is 
transferred to "Vessels under finance lease, net".

Depreciation of vessels and equipment under finance lease is included within "Depreciation" in the consolidated statement of 
operations.  Vessels  and  equipment  under  finance  lease  are  depreciated  on  a  straight-line  basis  over  the  vessels'  remaining 
economic useful lives or on a straight-line basis over the term of the lease. The method applied is determined by the criteria by 
which the lease has been assessed to be a finance lease.

Investment in Sales-Type and Direct Financing Leases 

Leases  (charters)  of  our  vessels  where  we  are  the  lessor  are  classified  as  either  direct  financing,  sales-type  leases,  operating 
leases, or leaseback assets based on an assessment of the terms of the lease. For charters classified as direct financing leases, the 
minimum lease payments (reduced in the case of time-chartered vessels by projected vessel operating costs) plus the estimated 
residual value of the vessel are recorded as the gross investment in the direct financing lease.

For  direct  financing  leases,  the  difference  between  the  gross  investment  in  the  lease  and  the  carrying  value  of  the  vessel  is 
recorded as unearned lease interest income. The net investment in the lease consists of the gross investment less the unearned 
income.  Over  the  period  of  the  lease  each  charter  payment  received,  net  of  vessel  operating  costs  if  applicable,  is  allocated 
between "lease interest income" and "repayment of investment in lease" in such a way as to produce a constant percentage rate 
of return on the balance of the net investment in the direct financing lease. Thus, as the balance of the net investment in each 
direct financing lease decreases, a lower proportion of each lease payment received is allocated to lease interest income and a 
greater proportion is allocated to lease repayment. For direct financing leases relating to time chartered vessels, the portion of 
each  time  charter  payment  received  that  relates  to  vessel  operating  costs  is  classified  as  "service  revenue  -  direct  financing 
leases".

For sales-type leases, the difference between the gross investment in the lease and the present value of its components, i.e. the 
minimum  lease  payments  and  the  estimated  residual  value,  is  recorded  as  unearned  lease  interest  income.  The  discount  rate 
used  in  determining  the  present  values  is  the  interest  rate  implicit  in  the  lease.  The  present  value  of  the  minimum  lease 
payments, computed using the interest rate implicit in the lease, is recorded as the sales price, from which the carrying value of 
the vessel at the commencement of the lease is deducted in order to determine the profit or loss on sale. As is the case for direct 
financing  leases,  the  unearned  lease  interest  income  is  amortized  to  income  over  the  period  of  the  lease  so  as  to  produce  a 
constant periodic rate of return on the net investment in the lease. 

The Company adopted ASC 842 Leases on  January 1, 2019 (which replaced ASC 840 Leases) using the modified retrospective 
transition  approach,  which  allows  the  Company  to  recognize  a  cumulative  effect  adjustment  to  the  opening  balance  of 
accumulated deficit in the period of adoption rather than restate our comparative prior year periods. The Company elected the 
package of practical expedients applied to all of its leases (including those for which it is a lessee and lessor) that permit it not 
to  (i)  reassess  whether  any  expired  or  existing  contracts  are  or  contain  leases;  (ii)  reassess  the  lease  classification  for  any 
expired or existing leases , (iii) reassess initial direct costs for any existing leases and (iv) to not separate lease and non-lease 
components  of  lease  revenue.  Furthermore,  the  Company  has  not  elected  the  practical  expedient  to  use  hindsight  when 
determining the lease term.

For leases entered into on or after January 1, 2019, any difference between the fair value of the leased asset and the costs results 
in a selling profit or loss. A selling profit is recognized at lease commencement for sales-type leases and over the lease term for 
direct financing leases. Selling loss is recognized at lease commencement for both sales-type and direct financing leases. The 
fair value is considered to be the cost of acquiring the vessel unless a significant period has elapsed between the acquisition of 
the vessel and the commencement of the lease. 

63

 
We estimate the unguaranteed residual value of our direct financing lease assets at the end of the lease period by calculating 
depreciation in accordance with our accounting policies over the estimated useful life of the asset. Residual values are reviewed 
at least annually to ensure that original estimates remain appropriate.

There  is  a  degree  of  uncertainty  involved  in  the  estimation  of  the  unguaranteed  residual  values  of  assets  leased  under  both 
operating and direct financing or sales-type leases. Global effects of supply and demand for oil and other cargoes, and changes 
in international government regulations cause volatility in the spot market for second-hand vessels. Where assets are held until 
the end of their useful lives the unguaranteed residual value (i.e. scrap recycling value) will fluctuate with the price of steel and 
any changes in laws related to the ship recycling process, commonly known as ship breaking.

Classification of a lease involves the use of estimates or assumptions about fair values of leased vessels and expected future 
values of vessels.  We generally base our estimates of fair value on independent broker valuations of each of our vessels.  Our 
estimates  of  expected  future  values  of  vessels  are  based  on  current  fair  values  amortized  in  accordance  with  our  standard 
depreciation policy for owned vessels.

If the terms of an existing lease are agreed to be amended, the modification is evaluated to consider if it is a contract which 
occurs  when  the  modification  grants  the  lessee  an  additional  right-of-use  not  included  in  the  original  lease  and  the  lease 
payments increase commensurate with the standalone price for the additional right of use, adjusted for the circumstances of the 
particular contract. If both conditions are met, the amendments are treated as a separate lease. If the conditions are not met, the 
lease is re-evaluated under ASC 842 as a new lease with the new terms. 

Leaseback assets

From  January  1,  2019,  any  vessels  purchased  and  leased  back  to  the  same  party  are  evaluated  under  ASC  842.  If  control  is 
deemed  not  to  have  passed  to  us  as  purchaser,  due  for  example  to  the  lessee  having  purchase  options,  the  transaction  is 
accounted for under ASC 310  where the purchase price paid is accounted for as  loan receivable and described as a leaseback 
asset. Interest income is recognised on the aggregate loan receivable based on the imputed interest rate and the part of the rental 
income received is allocated as a reduction of the vessel loan balance. 

Any purchase and leaseback transactions entered into before January 1, 2019, were accounted for as leases under ASC 840 and 
no changes have been made as we applied the practical expedients in ASC 842.

Fixed Price Purchase Options

Where an asset is subject to an operating lease that includes fixed price purchase options, the projected net book value of the 
asset is compared to the option price at the various option dates. If any option price is less than the projected net book value at 
an option date, the initial depreciation schedule is amended so that the carrying value of the asset is written down on a straight 
line  basis  to  the  option  price  at  the  option  date.  If  the  option  is  not  exercised,  this  process  is  repeated  so  as  to  amortize  the 
remaining carrying value, on a straight line basis, to the estimated scrap recycling value or the option price at the next option 
date, as appropriate.

Similarly,  where  a  sales-type  lease,  direct  financing  or  leaseback  asset  charter  arrangement  containing  fixed  price  purchase 
options,  the  projected  carrying  value  of  the  net  investment  in  the  lease  is  compared  to  the  option  price  at  the  various  option 
dates.  If  any  option  price  is  less  than  the  projected  net  investment  in  the  lease  at  an  option  date,  the  rate  of  amortization  of 
unearned lease interest income is adjusted to reduce the net investment in the lease to the option price at the option date. If the 
option  is  not  exercised,  this  process  is  repeated  so  as  to  reduce  the  net  investment  in  the  lease  to  the  un-guaranteed  residual 
value or the option price at the next option date, as appropriate.

Thus, for operating assets and direct financing and sales-type lease assets or leaseback asset, if an option is exercised there will 
either be (a) no gain or loss on the exercise of the option or (b) in the event that an option is exercised at a price in excess of the 
net book value of the asset or the net investment in the lease, as appropriate, at the option date, a gain will be reported in the 
statement of operations at the date of delivery to the new owners.

64

Impairment of Long-Lived Assets

The vessels and rigs held and used by us are reviewed for impairment on a quarterly basis and whenever events or changes in 
circumstances indicate that the carrying amount of an asset may not be recoverable. An impairment charge would be recognized 
if the estimate of future undiscounted cash flows expected to result from the use of the vessel or rig and its eventual disposal is 
less than its carrying amount. When testing for impairment, we consider daily rates currently in effect for existing charters, the 
possibility of any medium or long-term charter arrangements being terminated early and, using historical trends, estimated daily 
rates  for  each  vessel  or  rig  for  its  remaining  useful  life  not  covered  by  existing  charters.  In  assessing  the  recoverability  of 
carrying amounts, we must make assumptions regarding estimated future cash flows. These assumptions include assumptions 
about spot market rates, operating costs and the estimated economic useful life of these assets. In making these assumptions we 
refer  to  five-year  and  ten-year  historical  trends  and  performance,  as  well  as  any  known  future  factors.  Factors  we  consider 
important which could affect recoverability and trigger impairment include significant underperformance relative to expected 
operating  results,  new  regulations  that  change  the  estimated  useful  economic  lives  of  our  vessels  and  rigs,  and  significant 
negative industry or economic trends.

In 2018, reviews of the carrying value of long-lived assets indicated that five offshore support vessels and four VLCCs were 
impaired, and charges were taken against these assets. In 2019, reviews of the carrying value of long-lived assets indicated that 
five  offshore  support  vessels  and  the  two  feeder  size  container  vessels  were  impaired,  and  charges  were  taken  against  these 
assets. In 2020, reviews of the carrying value of long-lived assets indicated that seven Handysize bulk carriers and one drilling 
unit were impaired, and charges were taken against these assets.

Vessel Market Values

As  we  obtain  information  from  various  industry  and  other  sources,  our  estimates  of  vessel  market  values  are  inherently 
uncertain. In addition, charter-free market values are highly volatile and any estimate of market value may not be indicative of 
the current or future basic market value of our vessels or prices that we could achieve if we were to sell them. Moreover, we are 
not holding our vessels for sale, except as otherwise noted in this report, and most of our vessels are currently employed under 
long-term  charters  or  leases  or  other  arrangements.  There  is  not  a  ready  liquid  market  for  vessels  that  are  subject  to  such 
arrangements.

During  the  past  few  years,  the  charter-free  market  values  of  vessels  have  experienced  particular  volatility,  with  substantial 
declines in many vessel classes. As a result, the charter-free market values of many of our vessels have declined below those 
vessels' carrying value. However, we would not impair those vessels' carrying value under our accounting impairment policy, if 
we expect future cash flows receivable from the vessels over their remaining useful lives, including existing charters, to exceed 
the carrying values of such vessels.   

At December 31, 2020, we owned 73 vessels and rigs, including the one ultra-deepwater drilling unit which is owned by our 
wholly owned equity accounted subsidiary. The aggregate carrying value of these 73 assets at December 31, 2020, was $2.2 
billion, as summarized in the table below. The table is presented in the context of the markets in which the vessels operate, with 
crude oil tankers, oil product tankers and chemical tankers grouped together under "Tanker vessels", container vessels and car 
carriers  grouped  together  under  "Liners"  and  jack-up  drilling  rigs  and  ultra-deepwater  drilling  units  grouped  together  under 
"Offshore units". 

Tanker vessels (1)

Dry bulk carriers (2)

Liners (3)

Offshore units (4)

Number of
owned vessels

Aggregate carrying value at 
December 31, 2020
($ millions)

9 

22 

39 

3 

73 

350 

416 

789 

635 

2,190 

(1) Includes eight vessels with an aggregate carrying value of $287 million, which we believe exceeds their aggregate charter-
free market value by approximately $68 million and one vessel with a carrying value of $62 million which we believe is 
approximately $21 million less than its charter-free market value.

65

 
 
 
 
 
 
 
 
 
 
 
(2) Includes 22 vessels with an aggregate carrying value of $416 million, which we believe exceeds their aggregate charter-free 
market value by approximately $126 million and no vessels with an aggregate carrying value which we believe is less than 
aggregate charter-free market value.

(3) Includes 10 vessels with an aggregate carrying value of $536 million, which we believe exceeds their aggregate charter-free 
market  value  by  approximately  $22  million,  and  29  vessels  with  an  aggregate  carrying  value  of  $253  million,  which  we 
believe is approximately $53 million less than their aggregate charter-free market value.

(4) Includes  one  unit  with  a  net  carrying  value  of  $358  million,  which  we  believe  exceeds  its  charter-free  market  value  by 
approximately  $62  million,  and  two  units  with  an  aggregate  carrying  value  of  $277  million,  which  we  believe  is 
approximately $100 million less than their aggregate charter-free market value.

The above aggregate carrying value of $2.2 billion at December 31, 2020, is made up of (a) $678 million investments in direct 
finance leases (excluding the chartered-in container vessels MSC Anna, MSC Viviana, MSC Erica and MSC Reef), (b) $1,241 
million  vessels  and  equipment  (excluding  seven  container  vessels  included  in  vessels  under  finance  lease),  (c)  $272  million 
carrying value of one ultra-deepwater drilling unit owned by an equity accounted subsidiary.   

Finance Lease liabilities

We  charter-in  certain  vessels  and  equipment  under  leasing  agreements.  Leases  of  vessels  and  equipment,  where  we  have 
substantially  all  the  risks  and  rewards  of  ownership,  are  classified  as  finance  lease  assets,  with  corresponding  finance  lease 
liabilities recorded. Finance lease assets are capitalized at the commencement of the lease at the lower between the fair value of 
the leased asset and the present value of the minimum lease payments. Each lease payment is allocated between liability and 
finance charges to achieve a constant rate on the capital balance outstanding. The interest element of the capital cost is charged 
to the Consolidated Statement of Operations over the lease period. 

Convertible Bonds

We account for debt instruments with convertible features in accordance with the details and substance of the instruments at the 
time  of  their  issuance.  For  convertible  debt  instruments  issued  at  a  substantial  premium  to  equivalent  instruments  without 
conversion features, or those that may be settled in cash upon conversion, it is presumed that the premium or cash conversion 
option represents an equity component. Accordingly, we determine the carrying amounts of the liability and equity components 
of such convertible debt instruments by first determining the carrying amount of the liability component by measuring the fair 
value of a similar liability that does not have an equity component. The carrying amount of the equity component representing 
the  embedded  conversion  option  is  then  determined  by  deducting  the  fair  value  of  the  liability  component  from  the  total 
proceeds  from  the  issue.  The  resulting  equity  component  is  recorded,  with  a  corresponding  offset  to  debt  discount  which  is 
subsequently amortized to interest cost using the effective interest method over the period the debt is expected to be outstanding 
as an additional non-cash interest expense. Transaction costs associated with the instrument are allocated pro-rata between the 
debt and equity components.

Mark-to-Market Valuation of Financial Instruments

We enter into interest rate and currency swap transactions, total return bond swaps and total return equity swaps. As required by 
ASC  Topic  815  "Derivatives  and  Hedging",  the  mark-to-market  valuations  of  these  transactions  are  recognized  as  assets  or 
liabilities,  with  changes  in  their  fair  value  recognized  in  the  consolidated  statements  of  operations  or,  in  the  case  of  swaps 
designated  as  hedges  to  underlying  loans,  in  other  comprehensive  income.  To  determine  the  market  valuation  of  these 
instruments, we use a variety of assumptions that are based on market conditions and risks existing at each balance sheet date. 
All methods of assessing fair value result in a general approximation of value, and such value may never actually be realized.

Variable Interest Entities 

A variable interest entity is defined in ASC Topic 810 "Consolidation" ("ASC 810") as a legal entity where either (a) the total 
equity at risk is not sufficient to permit the entity to finance its activities without additional subordinated support; (b) equity 
interest  holders  as  a  group  lack  either  i)  the  power  to  direct  the  activities  of  the  entity  that  most  significantly  impact  on  its 
economic success, ii) the obligation to absorb the expected losses of the entity, or iii) the right to receive the expected residual 
returns of the entity; or (c) the voting rights of some investors in the entity are not proportional to their economic interests and 
the activities of the entity involve or are conducted on behalf of an investor with a disproportionately small voting interest.

ASC 810 requires a variable interest entity to be consolidated by its primary beneficiary, being the interest holder, if any, which 
has  both  (1)  the  power  to  direct  the  activities  of  the  entity  which  most  significantly  impact  on  the  entity's  economic 
performance, and (2) the right to receive benefits or the obligation to absorb losses from the entity which could potentially be 
significant to the entity.

66

In applying the provisions of ASC 810, we must make assessments in respect of, but not limited to, the sufficiency of the equity 
investment  in  the  underlying  entity  and  the  extent  to  which  interest  holders  have  the  power  to  direct  activities.  These 
assessments include assumptions about future revenues and operating costs, fair values of assets, and estimated economic useful 
lives of assets of the underlying entity.

Allowance for expected credit losses

The balances recorded in respect of Trade receivables, Other receivables, Related party receivables, Other long term assets and 
Investments in sales-type leases, direct financing leases and leaseback assets reflect the risk that our customers may fail to meet 
their payment obligations and the risk that the underlying asset value of the vessels and rigs could be less than the unguaranteed 
residual value.

The  Company  estimates  the  expected  risk  of  loss  over  the  remaining  life  using  a  probability  of  default  and  net  exposure 
analysis. The probability of default is estimated based on historical cumulative default data, adjusted for current conditions of 
similarly risk-rated counterparties over the contractual term. The net exposure is estimated based on the exposure, net of the 
estimated value of the underlying vessels and rigs in the instance of Investments in sales-type leases, direct financing leases and 
leaseback assets, over the contractual term.

Current  expected  credit  loss  provisions  are  classified  as  expenses  in  the  Consolidated  Statement  of  Operations,  with  a 
corresponding  allowance  for  credit  loss  amount  reported  as  a  reduction  in  the  related  balance  sheet  amount  of  Trade 
receivables,  Other  receivables,  Related  party  receivables,  Other  long  term  assets  and  Investments  in  sales-type  leases,  direct 
financing leases and leaseback assets. Partial or full recoveries of amounts previously written off are generally recognized as a 
reduction in the provision for credit losses.

Recent accounting pronouncements

In March 2020, the FASB issued ASU 2020-04, Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference 
Rate  Reform  on  Financial  Reporting.  ASC  848  provided  temporary  optional  expedients  and  exceptions  to  the  U.S.  GAAP 
guidance  on  contract  modifications  and  hedge  accounting  to  reduce  the  financial  reporting  burden  in  light  of  the  market 
transition  from  London  Interbank  Offered  Rates  (“LIBOR”)  and  other  reference  interest  rates  to  alternative  reference  rates. 
Under  ASC  848,  companies  can  elect  not  to  apply  certain  modification  accounting  requirements  to  contracts  affected  by 
reference  rate  reform  if  certain  criteria  are  met.  An  entity  that  makes  this  election  would  not  be  required  to  remeasure  the 
contracts at the modification date or reassess a previous accounting determination. The amendments of ASC 848 apply only to 
contracts,  hedging  relationships  and  other  transactions  that  reference  LIBOR  or  another  reference  rate  expected  to  be 
discontinued because of reference rate reform. In January 2021, the FASB issued ASU 2021-01, which clarified the scope of 
Topic 848 in relation to derivative instruments and contract modifications. The amendments in these updates are elective and 
are subject to meeting certain criteria, that have contracts, hedging relationships, and other transactions that reference LIBOR or 
another  reference  rate  expected  to  be  discontinued  because  of  reference  rate  reform.  The  amendments  in  these  updates  are 
effective for all entities since March 12, 2020 through to December 31, 2022. The Company has determined that the reference 
rate reform will impact its floating rate debt facilities and interest rate swaps contracts. The Company expects to take advantage 
of the expedients and exceptions for applying GAAP provided by the updates when LIBOR is discontinued and replaced with 
alternative reference rates.

In  August  2020,  the  FASB  issued  ASU  No.  2020-06,  "Accounting  for  Convertible  Instruments  and  Contracts  in  an  Entity's 
Own  Equity"  ("ASU  2020-06").  This  new  standard  changes  the  accounting  and  measurement  of  convertible  instruments.  It 
eliminates  the  treasury  stock  method  for  convertible  instruments  and  requires  application  of  the  “if-converted”  method  for 
certain  agreements.  This  standard  is  effective  for  the  Company  beginning  January  1,  2022.  The  Company  is  currently 
evaluating the impact of ASU 2020-06 on its interest expense and earnings (loss) per share calculation under the "if-converted" 
method related to its convertible debt.

67

Market Overview

The Oil Tanker Market

According to industry sources, the crude tanker freight market experienced volatility during the last decade. During 2020 we 
continued  to  see  volatile  markets  with  short  terms  spikes  in  earnings  followed  by  a  period  of  easing  rates.  The  average  spot 
charter rates for VLCCs was approximately $53,100 per vessel per day (or $58,750 per day for scrubber fitted vessels) in 2020, 
an increase from $41,400 per day in 2019. In 2018 the average spot charter rates for VLCCs was approximately $15,600 per 
day.  The  tanker  market  eased  back  in  early  2020  after  a  strong  fourth  quarter  2019,  however  saw  significant  increase  to 
historically high levels during March-April 2020 as a result of impacts from COVID-19 and a fall in oil prices resulting in high 
oil output and demand for floating storage. Suezmax tanker spot rates were very much in line with previous year, with average 
spot rates at approximately $30,200 (or $33,200 per day for scrubber fitted vessels) compared to $31,600 per day for 2019.   

Overall,  tonnage  demand  for  crude  tankers  saw  a  fall  in  demand  of  5.4%  in  2020,  compared  to  a  fall  in  demand  of  1.1%  in 
2019. However, on the supply side, crude oil tanker capacity increased by 1.1% in 2020, compared to a 4.0% growth in 2019. 

According  to  industry  sources,  at  the  end  of  2020  the  total  order  book  for  new  VLCCs  and  Suezmax  tankers  consisted, 
respectively, of 79 vessels and 61 vessels, representing approximately 9% and 10% of the existing fleet. 

The  oil  tanker  market  remains  highly  uncertain  with  continued  negative  effects  from  the  COVID-19  outbreak  anticipated  to 
impact the tanker market during 2021.

The Dry Bulk Shipping Market

According  to  industry  sources,  the  dry  bulk  shipping  market  experienced  volatile  market  conditions  with  both  challenging 
conditions  and  significant  impact  and  volatility  as  a  result  of  the  COVID-19  pandemic  outbreak  during  2020.  Fleet  capacity 
increased by approximately 3.8%, while tonnage demand only increased by an estimated 0.1%. At the start of 2021, industry 
sources  estimated  that  Seaborne  dry  bulk  trade  was  projected  to  grow  by  3.7%  in  tonne-miles  in  2021.  This  is  less  than  the 
projected fleet capacity growth of 2.6%. A number of risk factors are a cause for concern including seasonal trends, disruptions 
to iron ore output and concerns over the continued COVID-19 which is anticipated to significantly impact the dry bulk shipping 
market, also during 2021.

According to industry sources, the average one-year time charter rates during 2020 for a 180,000 dwt Capesize, a 58,000 dwt 
Supramax and a 38,000 dwt Handy size dry bulk carrier were, respectively $14,800 per day ($16,500 per day for an eco-vessel), 
$9,800 per day and $9,200 per day, representing a decrease from 2019 of 15%, 9% and 6%, respectively.

During  the  year,  according  to  industry  sources,  contracting  for  newbuilding  dry  bulk  carriers  decreased  to  13.5  million  dwt 
from  32.0  million  dwt  in  2019,  while  deliveries  of  new  vessels  amounted  to  48.6  million  dwt  and  recycling  removed  14.9 
million dwt. Thus, fleet capacity increased by 33.2 million dwt, equivalent to approximately 3.8% of the total fleet size year on 
year.  During  December  2020,  the  total  order  book  for  new  dry  bulk  carriers  was  55.8  million  dwt,  equivalent  to  6%  of  the 
existing fleet.

According to industry sources, the Capesize spot rates for 2020 remained typically volatile, averaging approximately $15,000 
per day (or $16,500 for an eco-vessel) in December compared with approximately $20,300 per day in December 2019.

The Freight Liner Market (Containerships and Car Carriers)

According  to  industry  sources,  the  container  charter  market  experienced  volatility  in  2020  with  major  improvements  in 
container box shipping markets during the second half of 2020 after severe negative impacts during the first half of 2020 as a 
result of the Covid-19 pandemic. A recovery of volumes during the second half of 2020 combined with logistical disruptions 
resulted  in  increasing  box  freight  rates  and  containership  earnings.  Market  uncertainties  continue,  with  the  global  Covid-19 
outbreak, however near term, the container market sentiment and outlook remain positive.

According to industry sources, global container trade (TEU-miles) is estimated to have fallen by 1.1% in 2020 across the full 
year, as the Covid-19 pandemic caused disruption to the world economy, consumer activity, global supply chains and collapse 
in volumes during second quarter of 2020. Since then, volumes have rebounded with robust volume growth during the second 
half of 2020. 

68

 
According  to  industry  sources,  containership  fleet  capacity  expanded  by  a  total  of  2.9%  in  2020  compared  to  4.0%  in  2019. 
2020 saw a moderate pace of deliveries. Containerships delivered in the full year 2020, totaled 137 vessels of 0,85 million TEU 
comparing to 156 vessels of 1.06 million TEU in 2019. Contracting picked up in the fourth quarter of 2020 with 89 vessels of 
0.89 million TEU contracted in total during 2020. The order book stood at 305 vessels of 2.4 million TEU at the end of 2020. 
Following significant number or newbuilding orders placed during the fourth quarter of 2020, there is still uncertainty around 
the selection of fuel technology. 

The ongoing changes in environmental and regulatory requirements continue to play an important role in the sector. At the start 
of  2021,  according  to  industry  sources,  a  year  since  the  introduction  of  the  IMO  2020  global  sulfur  cap,  the  majority  of  the 
container fleet has switched to low sulfur fuels. Currently 28% of the fleet capacity is now scrubber fitted.

According to industry sources, seaborne car trade market was one of the markets most significantly impacted by the Covid-19 
pandemic. Initial disruption to volumes was significant with a 55% drop in volumes year on year during second quarter of 2020. 
During  the  year  the  car  carrier  market  saw  significant  downward  pressure  with  many  vessels  idled,  laid  up  and  sold  for 
recycling. In fourth quarter the market saw increasing activity and a rebound in volumes, however uncertainty remains.

According to industry sources, seaborne car trade on an annualized basis is expected to have contracted by 21% in 2020 to 16.7 
million cars, excluding intra-EU. The decline in seaborne car trade volumes follows a decline of 2% in 2019. During the fourth 
quarter of 2020, the total fleet stood at 756 vessels which totaled 3.93 million CEU of capacity, down 1.6% from the start of 
2020.    

The Offshore Drilling Market

According to industry sources, the oil price (Brent crude spot) experienced significant volatility during the last decade. The oil 
price fluctuated from yearly average levels above $100 dollars to below $50 dollars in 2014. The high oil price was attractive to 
oil and gas companies and prompted them to substantially increase their investment in offshore exploration and development 
activity, resulting in full utilization and record high day rates for mobile offshore drilling units up until 2014. 

According to industry sources, the market for floating drilling rigs has changed drastically over the past six years, with over 100 
floating rigs being retired. According to industry sources, the global offshore drilling market showed signs of recovery during 
2020 and with oil prices increasing in the second half making an increasing number of offshore projects economically viable.

According to industry sources, at the end of December 2020, 476 offshore rigs were employed under contract compared with 
546 rigs employed under contract as per end of 2019. 

The  above  overviews  of  the  various  sectors  in  which  we  operate  are  based  on  current  market  conditions.  However,  market 
developments cannot always be predicted and may differ from our current expectations.

Inflation

Many  of  our  time  chartered  vessels  are  subject  to  operating  and  management  agreements  that  have  the  charges  for  these 
services fixed for the term of the charter. Thus, although inflation has a moderate impact on our corporate overheads and our 
vessel  operating  expenses,  we  do  not  consider  inflation  to  be  a  significant  risk  to  direct  costs  in  the  current  and  foreseeable 
economic  environment.  In  addition,  in  a  shipping  downturn,  costs  subject  to  inflation  can  usually  be  controlled  because 
shipping companies typically monitor costs to preserve liquidity and encourage suppliers and service providers to lower rates 
and prices in the event of a downturn.

69

 
 
Results of Operations

Year ended December 31, 2020, compared with year ended December 31, 2019

Net loss for the year ended December 31, 2020, was $224.4 million, a decrease of 351.7% from the year ended December 31, 
2019.

(in thousands of $)

Total operating revenues

Gain/(loss) on sale of assets and termination of charters

Total operating expenses

Net operating (loss)/income

Interest income

Interest expense

Gain on purchase of bonds and debt extinguishment 

Gain on sale of subsidiaries,  non-operating

Other non-operating items (net)

Equity in earnings of associated companies

Net (loss)/income

2020

471,047 

2,250 

611,471 

(138,174)   

13,400 

2019

458,849 

— 

321,072 

137,777 

20,064 

(135,442)   

(145,058) 

67,533 

1,894 

(37,922)   

4,286 

(224,425)   

1,802 

— 

57,538 

17,054 

89,177 

Net operating loss for the year ended December 31, 2020, was $138.2 million, compared with net operating income of $137.8 
million  for  the  year  ended  December  31,  2019.  The  negative  movement  was  principally  due  to  higher  operating  expenses 
resulting from impairment losses recognized on the carrying value of our long-lived assets due to changes in expected future 
cash flows following the COVID 19 outbreak. Overall net loss for 2020 compared with 2019 by negative movement of $313.6 
million was mainly due to the impairments in net operating expenses and as a result of fair value movements on derivatives and 
losses on debt and equity securities, partially offset by gains on debt extinguishments. 

Two ultra-deepwater drilling units and one harsh environment jack-up drilling rig were accounted for under the equity method 
during 2020 and 2019. In the fourth quarter of 2020, the two wholly owned subsidiaries owning the drilling rigs West Taurus 
and West Linus ceased to be accounted for as associates and became consolidated. The operating revenues of the wholly-owned 
subsidiaries owning these assets are included under "equity in earnings of associated companies"  where they are reported net of 
operating and non-operating expenses, for the periods these are accounted for under the equity method.  

Operating revenues

(in thousands of $)

Sales-type leases, direct financing leases and leaseback assets interest income

Service revenues from direct financing leases

Profit sharing revenues

Time charter revenues

Bareboat charter revenues

Voyage charter revenues

Other operating income

Total operating revenues

2020

71,216 

6,903 

22,569 

2019

60,320 

9,855 

5,615 

320,589 

339,151 

7,863 

37,287 

4,620 

23,490 

17,617 

2,801 

471,047 

458,849 

Total operating revenues increased by 2.7% in the year ended December 31, 2020, compared with the year ended December 31, 
2019.

70

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Sales-type leases, direct financing leases and leaseback assets interest income

Sales-type leases and direct financing leases interest income arises on our crude oil tankers on charter to Frontline Shipping, 
one of which was sold in 2020, 29 container vessels on charter to MSC, four of which were sold on December 31, 2020 as part 
of  the sale of 50.1% of River Box and one drilling rig on charter to Seadrill. In addition, we have interest income arising from 
three  feeder  container  vessels  from  MSC  and  four  VLCCs  which  are  reported  as  leaseback  assets,  three  of  which  were  sold 
during 2020.

In general, sales-type leases, direct financing leases and leaseback assets interest income reduces over the terms of our leases; 
progressively,  a  lesser  or  capital  proportion  of  the  lease  or  loan  rental  payment  is  allocated  to  interest  income  and  a  greater 
proportion is treated as repayment of investment in the lease or loan.

The  $10.9  million  increase  in  sales-type,  direct  financing  leases  and  leaseback  assets  interest  income  from  2019  to  2020  is 
mainly a result of the acquisition of three feeder container vessels and three VLCCs in the second half of 2019, and one VLCC 
in May 2020 which are reported as leaseback assets. In addition, the leases on seven 2002 built 4,100 TEU container vessels 
which  had  previously  been  treated  as  operating  leases  were  extended  in  July  2020  and  these  are  now  reported  as  sales  type 
leases, as well as the reporting of a rig-owning subsidiary as sales type lease in the fourth quarter of 2020, previously accounted 
for using the equity method. This was partially offset by the sale of one VLCC (Front Hakata) in February 2020 which was on 
charter  to  Frontline  Shipping,  the  sale  of  three  VLCC  leaseback  assets  (Hunter  Atla,  Hunter  Saga  and  Hunter  Laga)  after 
exercise of purchase options and the termination of the lease of one offshore support vessel previously on charter to a subsidiary 
of Solstad Offshore.

Service revenues from direct financing leases

The  vessels  chartered  on  direct  financing  leases  to  Frontline  Shipping  are  leased  on  time  charter  terms,  whereby  we  are 
responsible for the management and operation of such vessels. This has been managed by entering into fixed price agreements 
with  Frontline  Management  (Bermuda)  Ltd.  (“Frontline  Management”),  a  subsidiary  of  Frontline,  whereby  we  pay  them 
management fees of $9,000 per day for each vessel chartered to Frontline Shipping. Accordingly, $9,000 per day is allocated 
from each time charter payment received from Frontline Shipping to cover lease executory costs, and this is classified as "direct 
financing lease service revenue". The $3.0 million reduction in finance lease service revenue is due to the sale of one VLCC in 
February 2020 which was previously on charter to Frontline Shipping. 

Profit share revenues

We have a profit sharing arrangement with Frontline Shipping whereby we earn a 50% share of profits earned by the vessels 
above threshold levels. We earned and recognized profit sharing revenue under this arrangement of $18.6 million in the year 
ended December 31, 2020 compared with $4.8 million in 2019. The increase is attributable to a more favorable tanker market in 
2020.

We  also  have  a  profit  sharing  arrangement  related  to  the  eight  dry  bulk  vessels  on  charter  to  a  subsidiary  of  Golden  Ocean, 
whereby we earn a 33% share of profits earned by the vessels above threshold levels. In the year ended December 31, 2020, we 
earned $0.0 million income under this arrangement compared with $0.8 million profit share in 2019, the decrease is attributable 
to less favorable rates in 2020. 

We recorded $3.9 million from a fuel saving arrangement relating to five container vessels on charter to Maersk, following the 
installation of scrubbers. The Company is entitled to a share of the fuel savings dependent on the price difference between IMO 
compliant fuel and IMO non-compliant fuel. No fuel saving revenue was earned in the year ended December 31, 2019. 

Time charter revenues

During  2020,  time  charter  revenues  were  earned  by  16  container  vessels,  two  car  carriers,  22  dry  bulk  carriers  and  two  oil 
product  tankers.  The  $18.6  million  decrease  in  time  charter  revenues  in  2020  compared  with  2019,  was  mainly  due  to  one 
Suezmax  tanker  which  was  on  time  charter  during  2019  and  was  operating  on  voyage  charters  in  2020,  as  well  as  reduced 
charterhire on two car carriers and seven container vessels which were off hire when they drydocked for scrubber installations 
which led to reduced charterhire in the year ended December 31, 2020. This decrease in time charter revenues was partly offset 
by  an  increase  in  charterhire  arising  from  the  additional  leap  year  day  in  2020  as  well  as  two  1,700  TEU  container  vessels 
which  had  previously  been  on  bareboat  charters  up  until  December  2019,  commencing  time  charters  in  the  year  ended 
December 31, 2020.

71

Bareboat charter revenues

Bareboat charter revenues are earned by our vessels which are leased under operating leases on a bareboat basis. In 2020, this 
consisted of two chemical tankers. The $15.6 million decrease in bareboat revenue in 2020 compared with 2019, was a result of 
the  reclassification  of  seven  4,100  TEU  container  vessels  from  operating  leases  to  sales-type  and  direct  financing  leases 
following amendments to their charters in March 2020 and the sale of four offshore support vessels in the first quarter of 2020. 
In addition, the bareboat charters of the two 1,700 TEU container vessels ended in December 2019 and the vessels commenced  
time charters in 2020.

Voyage charter revenues

Our  two  Suezmax  tankers  and  three  Handysize  dry  bulk  carriers  operated  on  a  voyage  charter  basis  during  2020.  The  $19.7 
million  increase  in  voyage  charter  revenues  from  2019  to  2020  is  mainly  due  to  an  increase  in  voyage  charter  revenue  from 
Everbright, which returned to the spot market after the termination of the time charter contract at the end of 2019, as well as 
higher  voyage  charter  revenues  earned  by  the  Handysize  dry  bulk  carriers  which  sometimes  charter  on  a  voyage-by-voyage 
basis. 

Cash flows arising from sales-type leases, direct financing leases and leaseback assets

The  following  table  analyzes  our  cash  flows  from  the  sales-type  leases,  direct  financing  leases  and  leaseback  assets  with 
Frontline Shipping, the Solstad Offshore charterer, Seadrill, MSC, Landbridge and Hunter Group during 2020 and 2019, and 
shows how they are accounted for:

(in thousands of $)

Charterhire payments accounted for as:

Sales-type lease, direct financing lease and leaseback assets interest income

Service revenue from direct financing leases

Repayments from sales-type leases, direct financing leases and leaseback assets

Total direct financing and sales-type lease payments received

2020

2019

71,216 

6,903 

60,590 

60,320 

9,855 

44,143 

138,709 

114,318 

Gain/(loss) on sale of assets and termination of charters

In  2020  the  net  gain  of  $2.3  million  arose  on  the  disposal  of  one  crude  oil  tanker  Front  Hakata,  previously  on  charter  to 
Frontline  Shipping,  and  five  offshore  support  vessels  Sea  Cheetah,  Sea  Jaguar,  Sea  Halibut,  Sea  Pike  and  Sea  Leopard, 
previously  on  charter  to  Solship  (see  Note  8:  Gain/(loss)  on  sale  of  assets  and  termination  of  charters).  The  three  VLCC's 
Hunter Atla, Hunter Saga and Hunter Laga sale proceeds equaled their carrying value at date of sale and therefore no gain or 
loss was recorded on the sale of these vessels.

In 2019 no disposal of vessels or termination of charters took place.

Operating expenses

(in thousands of $)

Vessel operating expenses

Depreciation

Vessel impairment charge

Administrative expenses

2020

155,643 

111,279 

333,149 

11,400 

611,471 

2019

134,434 

116,381 

60,054 

10,203 

321,072 

Vessel  operating  expenses  include  operating  and  occasional  voyage  expenses  for  the  container  vessels,  dry  bulk  carriers, 
product tankers and car carriers operated on a time charter basis and managed by related and unrelated parties, and also voyage 
expenses from our two Suezmax tankers trading in a pool together with two tankers owned by Frontline and certain Handysize 
dry bulk carriers operating in the spot market during 2020. In addition, vessel operating expenses include payments to Frontline 
Management  of  $9,000  per  day  for  each  vessel  chartered  to  Frontline  Shipping  and  also  payments  to  Golden  Ocean 
Management of $7,000 per day for each vessel chartered to Golden Ocean Charterer, in accordance with the vessel management 
agreements.

72

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Vessel operating expenses increased by $21.2 million in 2020, compared with 2019. The increase is mainly due to an increase 
in drydocking costs as 15 vessels were drydocked in 2020, compared to seven in 2019. Costs also increased due to two 1,700 
TEU  container  vessels  which  were  on  time  charters  in  2020  and  on  bareboat  charters  until  December  2019.  The  increase  in 
vessel operating expenses is partly offset by a decrease in vessel management expenses for vessels chartered to Frontline due to 
the sale of Front Hakata, in February 2020.

Depreciation expenses relate to the vessels on charters accounted for as operating leases and on voyage charters. The decrease 
in depreciation by $5.1 million for 2020 compared with 2019, was mainly due to the disposal of four offshore support vessels in 
the  first  quarter  of  2020  and  the  reclassification  of  seven  4,100  TEU  container  vessels  as  sales  type  leases,  following 
amendments to their charters in July 2020.

During the year ended December 31, 2020, we have performed a review of the carrying value of our long-lived assets, and as a 
result of changes in expected future cash flows following the COVID 19 outbreak, impairment charges of $80.3 million were 
recorded  against  the  carrying  values  of  seven  Handysize  bulk  carriers  reported  as  owned  vessels.  In  addition,  an  impairment 
charge  of  $252.6  million  was  recorded  against  one  drilling  unit,  West  Taurus,  which  was  previously  accounted  for  within 
investment  in  associated  companies  (See  Note  17:  Investment  in  associated  companies).  In  2019,  the  impairment  charge  of 
$60.1 million related to five offshore support vessels and two feeder size container vessels.

The  12%  increase  in  administrative  expenses  for  2020,  compared  with  2019,  is  mainly  due  to  increased  salary  costs  due  to 
increased  headcount.  Increases  in  professional  fees,  registration  and  travel  activities  also  contributed  to  the  higher 
administrative expenses.

Interest income

Interest income decreased from $20.1 million in 2019 to $13.4 million in 2020, mainly due to reduced interest income on loan 
notes from Frontline and Frontline Shipping, which were settled in February 2020 and lower interest received on bank and short 
term deposits due to reduced interest rates compared to comparative period.

Interest expense

(in thousands of $)

Interest on US$ floating rate loans

Interest on NOK 900M floating rate bonds due 2019

Interest on NOK 500M floating rate bonds due 2020

Interest on NOK 700M floating rate bonds due 2023

Interest on NOK 700M floating rate bonds due 2024

Interest on NOK 600M floating rate bonds due 2025

Interest on 5.75% convertible bonds due 2021

Interest on 4.875% convertible bonds due 2023

Swap interest

Interest on finance lease obligation

Other interest

Amortization of deferred charges

2020

28,560 

— 

1,007 

4,409 

4,200 

2,910 

12,203 

6,979 

5,897 

59,551 

686 

9,040 

2019

41,420 

906 

3,577 

4,538 

2,802 

— 

12,203 

7,231 

1,146 

62,769 

382 

8,085 

135,442 

145,059 

At December 31, 2020, the Company, including its consolidated subsidiaries, had total debt principal outstanding of $1.7 billion 
(2019:  $1.6  billion),  comprising  $0.0  million  (NOK0  million)  outstanding  principal  amount  of  NOK  floating  rate  bonds  due 
2020 (2019: $56.9 million, NOK500 million), $81.6 million (NOK700 million) outstanding principal amount of NOK floating 
rate bonds due 2023 (2019: $79.7 million, NOK700 million), $81.0 million ( NOK695 million) outstanding principal amount of 
NOK  floating  rate  bonds  due  2024  (2019:  $79.7  million,  NOK  700  million),  $62.9  million  (NOK540  million)  outstanding 
principal amount of NOK floating rate bonds due 2025 (2019: $0 million, NOK0 million), $212.2 million outstanding principal 
amount of 5.75% convertible bonds due 2021 (2019: $212.2 million), $139.9 million outstanding principal amount of 4.875% 
convertible  bonds  due  2023  (2019:  $148.3  million),  and  $1.1  billion  under  floating  rate  secured  long  term  credit  facilities 
(2019: $1.0 billion). In addition, we and our consolidated subsidiaries, had total finance lease liabilities outstanding of $573.1 
million (2019: $1.1 billion).

73

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
NOK  floating  rate  bonds  due  2019  were  fully  repaid  during  2019  and  NOK  floating  rate  bonds  due  2020  were  fully  repaid 
during the year ended December 31, 2020. 

The average three-month US$ London Interbank Offered Rate, or LIBOR, was 0.85% in 2020 and 2.33% in 2019. The decrease 
in interest expense associated with our floating rate debt for 2020, compared with 2019, is mainly due to loans on vessels that 
were refinanced at lower margins and decreased LIBOR rate in the period. 

The  decrease  in  interest  payable  on  the  NOK  900  million  and  NOK  500  million  floating  rate  bonds  due  2019  and  2020 
respectively  is  due  to  their  redemption  in  March  2019  and  June  2020,  respectively.  The  increase  in  interest  expense  on  the 
NOK700 million floating rate bonds due 2024 and on the NOK 600 million floating rate bonds due 2025 is due to their issuance 
in  June  2019  and  January  2020  respectfully.  The  decrease  in  interest  expense  on  the  4.875%  convertible  notes  is  due  to  the 
buyback of $8.4 million during 2020.

At  December  31,  2020,  the  Company  and  its  consolidated  subsidiaries  were  party  to  interest  rate  swap  contracts,  which 
effectively fixed our interest rates on $0.9 billion of floating rate debt at a weighted average rate excluding margin of 1.94% per 
annum (2019: $1.0 billion of floating rate debt fixed at a weighted average rate excluding margin of 2.65% per annum). The 
increase in swap interest expense is due to changes in swaps and also due to fluctuations in average LIBOR and NIBOR rates.

Other  interest  expense  in  2020  of  $0.7  million  (2019:  $0.4  million)  arose  from  the  forward  contract  to  repurchase  shares  of 
Frontline which is accounted for as a secured borrowing. (See Note 11: Investments in Debt and Equity Securities).

The above finance lease interest expense represents the interest portion of our finance lease obligations on four vessels on long-
term  time  charter  to  MSC  (2019:  four  vessels)  and  seven  vessels  under  a  sale  and  leaseback  transaction  with  an  Asia  based 
financial institution (2019: seven vessels). The decrease in interest in finance lease obligation in 2020, compared with 2019, is 
due to decreased finance lease obligations as they are repaid. 

Gain on sale of subsidiaries, non-operating

River Box Holding Inc ("River Box") was a previously wholly owned subsidiary of the Company. River Box holds investments 
in  direct  financing  leases,  through  its  subsidiaries,  related  to  the  19,200  and  19,400  TEU  containerships  MSC  Anna,  MSC 
Viviana,  MSC  Erica  and  MSC  Reef.  On  December  31,  2020,  the  Company  sold  50.1%  of  the  shares  of  River  Box  to  a 
subsidiary of Hemen, a related party. A gain of $1.9 million was recognized for the year ended December 31, 2020 in relation 
to the disposal.  In 2019 no disposal of subsidiaries took place.

Gain on purchase of bonds and debt extinguishment

In October 2020, the Company repurchased the total debt outstanding under the SFL Deepwater facility of $176.1 million for 
$110.0 million and recognized a gain on debt extinguishment of $66.1 million. In addition, the Company repurchased various 
amounts its own bonds which had a face value of $68.2 million (2019: $92.1 million) at a discount and recorded gains of $1.4 
million (2019: $1.8 million). 

Other non-operating items

(in thousands of $)

Dividend received from related parties

Gain/(Loss) on investments in debt and equity securities

Gain on settlement of related party loan notes

Other financial items, net

2020

6,030 

(22,453)   

4,446 

(25,945)   

(37,922)   

2019

2,590 

67,701 

— 

(12,753) 

57,538 

Dividends received in 2020 were $3.1 million from Frontline and $2.9 million from ADS Maritime Holding Plc formally ADS 
Crude Carriers ("ADS Maritime Holding"). Dividend income in 2019 included a $2.0 million liquidation dividend from Golden 
Close on which the investment had previously been written down to zero, $0.3 million from Frontline and $0.3 million from 
ADS Maritime Holding.

74

 
 
 
 
 
 
 
 
The loss on investments and debt and equity securities in 2020 principally relates to a mark to market loss of $22.4 million from 
the equity investments held at December 31, 2020 and an 'other-than-temporary' impairment of $4.9 million recognized on the 
investments in Oro Negro 7.5% bonds and NT Rig Holdco 7.5% bonds. The loss is partially offset by a realized gain of $4.9 
million. This derives from realized gain of $2.3 million from the sale of approximately 2.0 million Frontline shares and realized 
gain of $2.6 million from the sale of 4.4 million shares of Solstad Offshore ASA during 2020 (see Note 11: Investments in Debt 
and  Equity  Securities).  The  2019  gain  arose  from  a  realized  gain  of  $40.8  million  on  the  sale  of  approximately  7.6  million 
Frontline  shares,  the  mark-to-market  gain  of  $29.1  million  on  the  increase  in  value  of  the  equity  investments  held,  offset  by 
impairment loss of $2.2 million on the Oro Negro bonds which were considered 'other-than-temporarily' impaired.

The loan notes for the Front Circassia, Front Page, Front Stratus, Front Serenade and Front Ariake sold in 2018 were settled 
in  February  2020  with  the  Company  receiving  $19.9  million  as  settlement  and  recognizing  a  gain  of  $4.4  million  on  the 
settlement of notes.

Other financial items, net expense have increased by $13.2 million in 2020 compared to 2019. The 2020 costs includes a loss of 
$20.4  million  (2019:  $3.5  million)  in  the  fair  value  of  non-designated  derivatives,  a  net  cash  expense  on  non-designated 
derivatives  of  $9.3  million  (2019:  net  cash  income  of  $1.2  million)  and  a  credit  loss  provision  of  $1.8  million  following  the 
adoption of ASU 2016-13 during 2020 (2019: $9.2 million impairment loss on the Apexindo and Sea Bear Loan notes). The 
2020 expenses were partially offset by a net gain of $5.5 million arising from the revaluation of foreign currency bank accounts, 
marketable securities, payables and receivable balances and other items (2019: loss $1.3 million) (see Note 10: Other Financial 
Items). 

As reported above, certain assets were accounted for under the equity method in 2020 and 2019. Their non-operating expenses, 
including net interest expenses, are not included above, but are reflected in “equity in earnings of associated companies” - see 
below.

Equity in earnings of associated companies

During 2020 and 2019, we had certain wholly-owned subsidiaries accounted for under the equity method, as discussed in the 
consolidated financial statements included herein (Note 17: Investment in associated companies). The total equity in earnings of 
associated companies in 2020 was $12.8 million lower than in the comparative period in 2019 mainly due to the consolidation 
of SFL Linus and SFL Deepwater from October 2020.

Results of Operations

Year ended December 31, 2019, compared with year ended December 31, 2018

Net income for the year ended December 31, 2019, was $89.2 million, an increase of 21.1% from the year ended December 31, 
2018.

(in thousands of $)

Total operating revenues

Gain/(loss) on sale of assets and termination of charters

Gain/(loss) on sale of subsidiaries and disposal groups

Total operating expenses

Net operating income

Interest income

Interest expense

Gain/(loss) on purchase of bonds

Other non-operating items (net)

Equity in earnings of associated companies

Net income

75

2019

458,849 

— 

— 

321,072 

137,777 

20,064 

2018

418,712 

(2,578) 

7,613 

306,132 

117,615 

17,951 

(145,058)   

(113,886) 

1,802 

57,538 

17,054 

89,177 

1,146 

36,161 

14,635 

73,622 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net operating income for the year ended December 31, 2019, was $137.8 million, compared with $117.6 million for the year 
ended December 31, 2018. The increase was principally due to higher revenue resulting from vessel acquisitions in 2018 and 
2019. Overall net income for 2019 increased by $15.6 million compared with 2018 mainly due to an increase in net operating 
income and as a result of gains on investments in debt and equity securities, from realized gains and mark to market gains on 
equity securities offset by higher interest expense and movements in other financial items.

Three ultra-deepwater drilling units were accounted for under the equity method during 2019 and 2018. The operating revenues 
of the wholly-owned subsidiaries owning these assets are included under "equity in earnings of associated companies", where 
they are reported net of operating and non-operating expenses.  

Operating revenues

(in thousands of $)

Sales-type leases, direct financing leases and leaseback assets interest income

Service revenues from direct financing leases

Profit sharing revenues

Time charter revenues

Bareboat charter revenues

Voyage charter revenues

Other operating income

Total operating revenues

2019

60,320 

9,855 

5,615 

2018

39,678 

22,095 

1,779 

339,151 

292,726 

23,490 

17,617 

2,801 

36,222 

24,339 

1,873 

458,849 

418,712 

Total operating revenues increased by 9.6% in the year ended December 31, 2019, compared with the year ended December 31, 
2018.

Sales-type leases, direct financing leases and leaseback assets interest income

Sales-type leases and direct financing leases interest income arises on our crude oil tankers on charter to Frontline Shipping, 
one offshore support vessel on charter to the Solstad Charterer and 22 container vessels on charter to MSC. In addition, we have 
interest income arising from three feeder container vessels from MSC and three VLCCs which are reported as leaseback assets.

In general, sales-type leases, direct financing leases and leaseback assets interest income reduces over the terms of our leases; 
progressively,  a  lesser  or  capital  proportion  of  the  lease  or  loan  rental  payment  is  allocated  to  interest  income  and  a  greater 
proportion is treated as repayment of investment in the lease or loan.

The  $20.6  million  increase  in  sales-type,  direct  financing  leases  and  leaseback  assets  interest  income  from  2018  to  2019  is 
mainly as a result of a full years income being reflected in 2019 for the 15 second hand feeder size containers acquired in 2018 
and the two 19,400 TEU container vessels delivered in December 2018, and the reclassification of two 5,800 TEU container 
vessels from operating leases to finance leases in February 2019, following amendments to the charters as $3.6 million interest 
income from three feeder container vessels and three VLCCs which are accounted for as leaseback assets in the third and fourth 
quarters of 2019. This increase in lease interest income was partially offset by the sale of six VLCCs from the fleet of crude oil 
tankers on charter to Frontline Shipping from February to December 2018.

Service revenues from direct financing leases

The  vessels  chartered  on  direct  financing  leases  to  Frontline  Shipping  are  leased  on  time  charter  terms,  whereby  we  are 
responsible for the management and operation of such vessels. This has been effected by entering into fixed price agreements 
with  Frontline  Management  (Bermuda)  Ltd.  (“Frontline  Management”),  a  subsidiary  of  Frontline,  whereby  we  pay  them 
management fees of $9,000 per day for each vessel chartered to Frontline Shipping. Accordingly, $9,000 per day is allocated 
from each time charter payment received from Frontline Shipping to cover lease executory costs, and this is classified as "direct 
financing lease service revenue". The $12.2 million reduction in finance lease service revenue arose as a result of the sale of the 
six VLCCs in 2018 which had tankers previously on charter to Frontline Shipping. 

76

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Profit share revenues

We have a profit sharing arrangement with Frontline Shipping whereby we earn a 50% share of profits earned by the vessels 
above  threshold  levels.  We  earned  and  recognized  profit  sharing  revenue  under  this  arrangement  of  $4.8  million  in  the  year 
ended December 31, 2019 compared with $1.5 million in 2018. The increase is attributable to a more favorable tanker market in 
2019.

We  also  have  a  profit  sharing  arrangement  related  to  the  eight  dry  bulk  vessels  on  charter  to  a  subsidiary  of  Golden  Ocean, 
whereby we earn a 33% share of profits earned by the vessels above threshold levels. In the year ended December 31, 2019, we 
earned $0.8 million income under this arrangement compared with $0.2 million profit share in 2018, the increase is attributable 
to more favorable rates in 2019. 

Time charter revenues

During 2019, time charter revenues were earned by 14 container vessels, two car carriers, 22 dry bulk carriers, one Suezmax 
tanker  and  two  oil  product  tankers.  The  $46.4  million  increase  in  time  charter  revenues  in  2019  compared  with  2018,  was 
mainly due to a full years income reflected in 2019 for the four 13,800 TEU container vessels delivered in May 2018 and three 
10,600 TEU container vessels delivered in September and October 2018 as well as higher income from the Everbright which 
was on time charter for the majority of 2019. This was offset by the sale of SFL Avon in May 2018 and lower income earned 
from SFL Yukon and SFL Sara, who completed long-term time charters at the end of 2018 and early 2019 and are now trading 
in a pool.

Bareboat charter revenues

Bareboat charter revenues are earned by our vessels and rigs which are leased under operating leases on a bareboat basis. In 
2019, this consisted of four offshore support vessels, two chemical tankers, two 1,700 TEU container vessels and seven 4,100 
TEU container vessels. The $12.7 million decrease in bareboat charter revenue was also as a result of the sale of jack-up drilling 
rig Soehanah on December 31, 2018 which earned $3.6 million in bareboat revenue in 2018, the reclassification of two 5,800 
TEU container vessels which were reclassified in February 2019 from operating leases to sales-type and direct financing leases 
following amendments to the charters and $2.0 million decrease which related to lower revenues recorded for the four offshore 
support vessels. During July 2018, we and other financial creditors entered into a restructuring agreement with a subsidiary of 
Solstad with respect to the four offshore vessels as well as one offshore vessel leased under a direct financing lease. Per the 
restructuring agreement, 50% of the agreed charter hire for the two vessels Sea Cheetah and Sea Jaguar will be received from 
the effective date at the end of August 2018 until the end of 2019. All other payments under the respective charters, including 
the remaining 50% on Sea Cheetah and Sea Jaguar, will be deferred until the end of 2019. In April 2019, Solship announced 
that a Standstill Agreement had been entered into with us, amongst others, whereby 100% of charter hire for vessels on charter 
to Solship is deferred. The Standstill Agreement is effective until March 2020. 

Voyage charter revenues

One of our vessels, the Suezmax tanker Glorycrown, and three Handysize dry bulk carriers operated on a voyage charter basis 
during 2019. In 2018, four Handysize dry bulk carriers and two of the Suezmax tankers operated on a voyage charter basis. The 
$6.7 million decrease in voyage charter revenues from 2018 to 2019 is mainly attributable to the trading patterns of the two 
Suezmax tankers trading in a pool together with two tankers owned by Frontline. During 2019 there was a decrease in voyage 
charter  revenue  from  Everbright,  which  returned  to  time  chartering  for  the  majority  of  the  year.  This  was  partially  offset  by 
increased  voyage  charter  revenues  earned  by  Glorycrown.  The  decrease  in  voyage  charter  revenues,  compared  to  2018,  was 
also related to the trading patterns of certain Handysize dry bulk carriers which sometimes charter on a voyage-by-voyage basis.

77

Cash flows arising from sales-type leases, direct financing leases and leaseback assets

The  following  table  analyzes  our  cash  flows  from  the  sales-type  leases,  direct  financing  leases  and  leaseback  assets  with 
Frontline  Shipping,  the  Solstad  Offshore  charterer,  MSC  and  Hunter  Group  during  2019  and  2018,  and  shows  how  they  are 
accounted for:

(in thousands of $)

Charterhire payments accounted for as:

Sales-type lease, direct financing lease and leaseback assets interest income

Service revenue from direct financing leases

Repayments from sales-type leases, direct financing leases and leaseback assets

Total direct financing and sales-type lease payments received

Gain/(loss) on sale of assets and termination of charters

2019

2018

60,320 

9,855 

44,143 

114,318 

39,678 

22,095 

33,486 

95,259 

In 2019 no disposal of vessels or termination of charters took place, in 2018 the net loss of $2.6 million arose on the disposal of 
six crude oil tankers previously on charter to Frontline Shipping and one container vessel, SFL Avon, sold in May 2018 (see 
Note 8: Gain/(loss) on sale of assets and termination of charters).

Gain/(loss) on sale of subsidiaries and disposal groups

In 2018, the gain on sale of subsidiaries and disposal groups of $7.6 million related to the sale of 100% of the share capital of 
Rig Finance Limited ("Rig Finance"), a wholly owned subsidiary, to an unrelated third party. Rig Finance owned the jack-up 
drilling rig Soehanah.

Operating expenses

(in thousands of $)

Vessel operating expenses

Depreciation

Vessel impairment charge

Administrative expenses

2019

134,434 

116,381 

60,054 

10,203 

321,072 

2018

128,548 

104,079 

64,338 

9,167 

306,132 

Vessel  operating  expenses  include  operating  and  occasional  voyage  expenses  for  the  container  vessels,  dry  bulk  carriers, 
product tankers and car carriers operated on a time charter basis and managed by related and unrelated parties, and also voyage 
expenses  from  one  of  our  two  Suezmax  tankers  trading  in  a  pool  together  with  two  tankers  owned  by  Frontline  and  certain 
Handysize dry bulk carriers operating in the spot market during 2019. In addition, vessel operating expenses include payments 
to Frontline Management of $9,000 per day for each vessel chartered to Frontline Shipping and also payments to Golden Ocean 
Management  of  $7,000  per  day  for  each  vessel  chartered  the  Golden  Ocean  Charterer,  in  accordance  with  the  vessel 
management agreements. 

Vessel operating expenses increased by $5.9 million in 2019, compared with 2018. The increases principally relates to the four 
13,800 TEU container vessels delivered in May 2018 and the three 10,600 TEU container vessels delivered in September and 
October 2018 which traded for the full year in 2019. Costs also increased as seven vessels drydocked in 2019 (2018: one). This 
was offset by a decrease in vessel management expenses due to the sale of six VLCCs in 2018.

Depreciation expenses relate to the vessels on charters accounted for as operating leases and on voyage charters. The increase in
depreciation by $12.3 million for 2019 compared with 2018, was mainly due to the acquisition of four 13,800 TEU container 
vessels in May 2018 and the addition of three 10,600 TEU container vessels in September and October 2018. The increase was 
partially offset by a decrease in depreciation for the jack-up drilling rig Soehanah, which was sold in 2018.

During  2019,  a  review  of  the  carrying  value  of  long-lived  assets  indicated  that  the  carrying  values  of  five  offshore  support 
vessels,  and  two  feeder  size  container  vessels  were  impaired  resulting  in  an  impairment  charge  of  $60.1  million  recorded 
against  their  carrying  values.  During  2018,  an  impairment  charge  of  $64.3  million  related  to  four  of  VLCCs  and  our  five 
offshore supply vessels.

78

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
The  11%  increase  in  administrative  expenses  for  2019,  compared  with  2018,  is  mainly  due  to  increased  salary  costs  due  to 
increased  headcount.  Increases  in  professional  fees,  registration  and  travel  activities  also  contributed  to  the  higher 
administrative expenses.

Interest income

Interest income increased from $18.0 million in 2018 to $20.1 million in 2019, due to higher interest income earned on short-
term  deposits  due  to  higher  cash  balances  held  by  us  in  2019.  Interest  income  on  loan  notes  from  Frontline  and  Frontline 
Shipping increased in 2019 as a full years income was earned on the notes arising from the termination of five charters in 2018. 

Interest expense

(in thousands of $)

Interest on US$ floating rate loans

Interest on NOK 900M floating rate bonds due 2019

Interest on NOK 500M floating rate bonds due 2020

Interest on NOK 700M floating rate bonds due 2023

Interest on NOK 700M floating rate bonds due 2024

Interest on 3.25% convertible bonds due 2018

Interest on 5.75% convertible bonds due 2021

Interest on 4.875% convertible bonds due 2023

Swap interest

Interest on finance lease obligation

Other interest

Amortization of deferred charges

2019

41,420 

906 

3,577 

4,538 

2,802 

— 

12,203 

7,231 

1,146 

62,769 

382 

8,085 

145,059 

2018

51,357 

4,597 

3,531 

1,232 

— 

171 

12,926 

5,448 

2,661 

21,775 

— 

10,188 

113,886 

At December 31, 2019, we and our consolidated subsidiaries, had total debt principal outstanding of $1.6 billion (2018: $1.5 
billion), comprising $56.9 million (NOK500 million) outstanding principal amount of NOK floating rate bonds due 2020 (2018: 
$57.8 million, NOK 500 million), $79.7 million (NOK700 million) outstanding principal amount of NOK floating rate bonds 
due  2023  (2018:  $69.4  million,  NOK600  million),  $79.7  million  (NOK  700  million)  outstanding  principal  amount  of  NOK 
floating rate bonds due 2024 (2018: $0.0 million, NOK 0 million), $0.0 million (NOK0 million) outstanding principal amount 
of NOK floating rate bonds due 2019 (2018: $77.7 million, NOK672 million), $212.2 million outstanding principal amount of 
5.75% convertible bonds due 2021 (2018: $212.2 million), $148.3 million outstanding principal amount of 4.875% convertible 
bonds  due  2023  (2018:  $151.7  million),  and  $1.0  billion  under  floating  rate  secured  long  term  credit  facilities  (2018:  $0.9 
billion). In addition, we and our consolidated subsidiaries, had total finance lease debt obligations outstanding of $1.1 billion 
(2018: $1.2 billion).

The average three-month US$ London Interbank Offered Rate, or LIBOR, was 2.33% in 2019 and 2.30% in 2018. The decrease 
in interest expense associated with our floating rate debt for 2019, compared with 2018, is mainly due to the increase in LIBOR 
for the period off set by and increases in loan portfolio.

The decrease in interest payable on the NOK 900 million floating rate bonds due 2019 and the 3.25% convertible bonds due 
2018 is due to their redemption in March 2019 and February 2018, respectively. The decrease in 5.75% convertible bonds is 
due to redemption of loan notes of $12.8 million in December 2018. The increase in interest payable on the NOK 700 million 
floating rate bonds due 2024, NOK 700 million floating rate bonds due 2023 and the 4.875% convertible bonds is due to their 
issuance  in  June  2019,  September  2018  and  April  2018  respectfully.  In  addition,  interest  payable  on  the  NOK  700  million 
floating rate bonds due 2023 is due to a tap issue of NOK100 million in July 2019.

At December 31, 2019, we and our consolidated subsidiaries were party to interest rate swap contracts, which effectively fixed 
our interest rates on $1.0 billion of floating rate debt at a weighted average rate excluding margin of 2.65% per annum (2018: 
$0.9 billion of floating rate debt fixed at a weighted average rate excluding margin of 2.92% per annum).

79

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
The  above  finance  lease  interest  expense  represents  the  interest  portion  of  our  finance  lease  obligations  from  chartering-in 
vessels  from  their  third  party  owners.  In  October  2015,  we  entered  into  agreements  to  charter  in  two  19,200  TEU  container 
vessels on a bareboat basis, each for a period of 15 years from delivery by the shipyard, and to charter out each vessel for the 
same 15 year period. The first of these vessels was delivered in December 2016 and the second one was delivered in March 
2017.  These  vessels  are  accounted  for  as  finance  lease  assets.  In  the  second  half  of  2018,  we  agreed  with  various  financial 
institutions  to  refinance  the  outstanding  balance  of  loans  relating  four  13,800  TEU  container  vessels  and  three  10,600  TEU 
container  vessels,  by  entering  into  sale  and  leaseback  transactions  with  an  option  to  purchase  the  vessels  after  six  years.  In 
December 2018, we financed the acquisition of two 19,400 TEU container vessels using similar financial institutions and sale 
and  lease  back  arrangements.  The  sale  and  leaseback  transactions  were  accounted  for  as  finance  leases,  accounting  for  the 
increase in interest in finance lease obligations in 2019 compared to 2018. 

Other  interest  expense  in  2019  of  $0.4  million  (2018:  $0.0  million)  arose  from  the  sale  and  subsequent  forward  contract  to 
repurchase shares of Frontline in June 2020 which is accounted for as a secured borrowing. (see Note 11: Investments in Debt 
and Equity Securities).

As reported above, two ultra-deepwater drilling units and one harsh environment jack-up drilling rig were accounted for under 
the equity method in 2019 and 2018. Their non-operating expenses, including interest expenses, are not included above, but are 
reflected in "Equity in earnings of associated companies" below.

Other non-operating items

(in thousands of $)

Dividend received from related parties

Gain/(Loss) on investments in debt and equity securities

Other financial items, net

2019

2,590 

67,701 

(12,753)   

57,538 

2018

— 

25,754 

10,407 

36,161 

Dividends  received  in  2019  included  a  $2.0  million  liquidation  dividend  from  Golden  Close  Maritime  Ltd  on  which  the 
investment  had  previously  been  written  down  to  zero,  $0.3  million  from  Frontline  and  $0.3  million  from  ADS  Maritime 
Holding. No dividend income was received in 2018.

The gain on investments and debt and equity securities in 2019 principally relates to the realized gain of $40.8 million on the 
sale  of  approximately  7.6  million  Frontline  shares  in  the  fourth  quarter  and  the  mark  to  market  gain  of  $25.0  million  on  the 
increase in value of the approximately 3.4 million shares still held. In addition, a further $4.1 million relates to the increase in 
value  of  other  shares  held  offset  by  $2.2  million  impairment  on  the  Oro  Negro  bonds  which  were  considered  'other-than-
temporarily' impaired. The 2018 gain arose from a gain on the disposal of bonds and shares in Golden Close of $13.5 million as 
well as a gain of $12.3 million from the mark-to-market of equity investments, principally related to the 11 million Frontline 
shares held during 2018.

Other financial items, net have reduced by $23.2 million in 2019 compared to 2018. $17.4 million of this decrease relates to the 
decrease in the fair value of non-designated derivatives offset by $1.9 million increase in net cash receipts on non-designated 
derivatives and $9.2 million (2018: $1.7 million) relates to impairment on the Apexindo Loan note and Sea Bear Loan notes. 
(see Note 10: Other Financial Items).

80

 
 
 
 
 
 
 
Equity in earnings of associated companies

During 2019 and 2018, we had certain wholly-owned subsidiaries accounted for under the equity method, as discussed in the 
consolidated financial statements included herein (Note 17: Investment in associated companies). The total equity in earnings of 
associated  companies  in  2019  was  $2.4  million  higher  than  in  the  comparative  period  in  2018  mainly  due  to  the  increase  in 
finance  lease  interest  income  recorded  by  the  harsh  environment  jack-up  drilling  rig  West  Linus  as  a  result  of  interest  rate 
adjustments per the charter contract. Amendments were made to the charter contracts for the rigs owned by these subsidiaries in 
connection with the Seadrill Restructuring Plan. Under the terms of the Restructuring Plan, we agreed to reduce the contractual 
charter hire for each of the three drilling units on charter to the Seadrill Charterers by approximately 29% for a period of five 
years with economic effect from January 2018, with the reduced amounts added back in the period thereafter. The term of the 
charters for West Hercules and West Taurus was also extended by 13 months until December 2024. In addition, the purchase 
obligations in the case of West Hercules and West Taurus and the put option in the case of West Linus at expiry of the charters 
were amended.

81

 
B. LIQUIDITY AND CAPITAL RESOURCES

We  operate  in  a  capital  intensive  industry.  Our  purchase  of  the  tankers  in  the  initial  transaction  with  Frontline  was  financed 
through a combination of debt issuances, a deemed equity contribution from Frontline and borrowings from commercial banks. 
Our subsequent acquisitions have been financed through a combination of our own equity and term loans, lease financing and 
revolving credit facilities from commercial banks. Providers of such borrowings generally require that the loans be secured by 
mortgages against the assets being acquired, and at December 31, 2020, substantially all of our vessels and drilling units are 
pledged as security or are held as finance leases. However, in common with many other companies, we also have unsecured 
borrowings  as  shown  below.  Providers  of  unsecured  financing  do  so  on  the  basis  of  our  assets  and  liabilities,  cash  flows, 
operating  results  and  other  factors,  all  of  which  affect  the  terms  on  which  such  unsecured  financing  is  available.  In  general, 
unsecured financing is more expensive than borrowings secured against collateral. 

Our liquidity requirements relate to servicing our debt, funding the equity portion of investments in vessels, funding working 
capital  requirements  and  maintaining  cash  reserves  against  fluctuations  in  operating  cash  flows.  Revenues  from  our  time 
charters  and  bareboat  charters  are  received  approximately  15  days  in  advance,  monthly  in  advance,  or  monthly  in 
arrears. Vessel management and operating fees are payable monthly in advance for vessels chartered to Frontline Shipping and 
the Golden Ocean Charterer, and as incurred for other time-chartered vessels.

Our funding and treasury activities are conducted within corporate policies to maximize investment returns while maintaining 
appropriate  liquidity  for  both  our  short  and  long-term  needs.  This  includes  arranging  borrowing  facilities  on  a  cost-effective 
basis. Cash and cash equivalents are held primarily in U.S. dollars, with minimal amounts held in Norwegian Kroner and Pound 
Sterling. 

Surplus funds may be deployed to acquire equity or debt interests in other companies, with the aim of generating competitive 
returns. Such investments may also utilize credit facilities arranged specifically to facilitate such investment. 

Our short-term liquidity requirements relate to servicing our debt and funding working capital requirements, including required 
payments under our management agreements and administrative services agreements. Sources of short-term liquidity include 
cash balances, short-term investments, available amounts under revolving credit facilities and receipts from our charters. We 
believe  that  our  cash  flow  from  the  charters  will  be  sufficient  to  fund  our  anticipated  debt  service  and  working  capital 
requirements for the short and medium term.

82

Our long-term liquidity requirements include funding the equity portion of investments in new vessels, and repayment of long-
term  debt  balances,  including  those  relating  to  the  following  loan  agreements  of  us  and  our  consolidated  subsidiaries  as  at 
December 31, 2020:

5.75% senior unsecured convertible bonds due 2021

4.875% senior unsecured convertible bonds due 2023

NOK700 million senior unsecured bonds due 2023

NOK700 million senior unsecured bonds due 2024

NOK600 million senior unsecured bonds due 2025

$45 million secured term loan and revolving credit facility due 2021

$20 million secured term loan facility due 2024

$210 million secured term loan facility due 2021 

$171 million secured term loan facility due 2023

$39 million secured term loan facility due 2022 

$166.4 million secured term loan facility due 2022

$76 million secured term loan facility due 2024

$50 million senior secured term loan facility due 2025

$33.1 million term loan facility due 2023

$24.9 million secured term loan facility due 2024

$29.5 million secured term loan facility due 2024

$50 million senior secured term loan facility due 2022

$17.5 million secured term loan facility due 2023

$40 million senior secured term loan facility due 2022

$15 million senior secured term loan facility due 2025

$175 million term loan facility due 2025

$50 million senior secured term loan facility due 2025

$50 million senior secured term loan facility due 2024

$475 million term loan and revolving credit facility due 2023

Borrowings secured on Frontline shares

Our  long-term  liquidity  requirements  also  include  repayment  of  the  following  long-term  loan  agreement  of  our  equity-
accounted subsidiaries:

- 

$375 million secured term loan and revolving credit facility due 2023  

The above long-term loan agreement in our equity accounted subsidiaries relates to one drilling unit on charter to the Seadrill 
Charterers. 

The  main  security  provided  under  the  secured  credit  facilities  include  (i)  guarantees  from  subsidiaries,  as  well  as  instances 
where we guarantee all or part of the loans, (ii) a first priority pledge over all shares of the relevant asset owning subsidiaries 
and  (iii)  a  first  priority  mortgage  over  the  relevant  collateral  assets  which  includes  substantially  all  of  the  vessels  and  the 
drilling  units  that  are  currently  owned  by  us  as  at  December  31,  2020,  excluding  three  1,700  TEU  container  vessels,  two 
chemical tankers and one ultra deepwater drilling rig.

At December 31, 2020, we had no commitments under contracts to acquire newbuilding vessels (2019: nil). 

As at December 31, 2020, we committed $5.8 million towards the procurement of scrubbers on two of our oil tankers and seven 
container vessels (2019: $15.9 million committed on two oil tankers and four container vessels) and $0.0 million (2019 :$17.5 
million) on seven Capesize drybulk vessels. 

83

 
 
As at December 31, 2020, we also committed to pay approximately $7.0 million (2019: $9.2 million) towards the installation of 
BWTS on 16 vessels (2019: 18 vessels) in our fleet, with installations expected to take place up to 2022. 

There were no other material contractual commitments as at December 31, 2020.

In  addition,  seven  (2019:  11)  subsidiaries  had  lease  liabilities  totaling  $573.1  million  at  December  31,  2020  (2019:  $1,106.4 
million) related to the charter-in of seven (2019: 11) container vessels.

We expect that we will require additional borrowings or issuances of equity in the long term to meet our capital requirements.

As of December 31, 2020, we had cash and cash equivalents of $215.4 million (2019: $199.5 million) and restricted cash of 
$9.0  million  (2019:  $3.5  million).  In  the  year  ended  December  31,  2020,  we  generated  cash  of  $276.5  million  net  from 
operating activities, generated $176.3 million net from investing activities and used $431.4 million net in financing activities.

Cash flows provided by operating activities for 2020 increased to $276.5 million, from $249.7 million in 2019, mainly due to 
changes in total operating revenues and timing of charter hire, profit share and other related receivables.

Investing activities generated $176.3 million in 2020, compared to $169.9 million used in 2019. The increase in cash generated 
from investing activities is mainly due to proceeds of $210.9 million from the sale of four VLCCs and five offshore support 
vessels. We also received $14.7 million from the sale of the 50.1% of the shares of River Box which was a previously wholly 
owned subsidiary of the Company. There were no similar transactions in 2019. In addition, $31.5 million was received from 
associated companies in 2020 compared with $15.9 million received in 2019 due to repayment of debt. We also used cash of 
$65.0 million in 2020 in respect of one leaseback asset acquired in the year compared to cash used of $211.1 million in respect 
of  six  leaseback  assets  acquired  in  2019.  The  increase  in  cash  generated  from  investing  activities  was  partly  offset  by  less 
proceeds from the sale of shares of $21.1 million in Frontline and $2.6 million in Solstad in 2020 compared to $82.8 million 
sale of shares in Frontline in 2019. We also used $55.0 million on capital improvements on the vessels in 2020 compared with 
$39.3 million in 2019.

Net cash used in financing activities for 2020 was $431.4 million, compared to $89.2 million used in 2019. This increase was 
mainly due to higher repayment of debt of $624.6 million in 2020, compared to $208.5 million in 2019. There were also less 
proceeds from debt issuance of $397.2 million in 2020, compared to $458.8 million in 2019. The above were partly offset by 
lower repurchases of own bonds amounting to $66.6 million in 2020 compared to $80.7 million in 2019 and less cash used in 
principal settlements of cross currency swaps of $11.7 million in 2020 compared to $41.8 million in 2019. There was also a 
share issuance of $61.5 million in 2020 with no similar transaction in 2019. In addition, there were lower cash dividends paid of 
$109.4 million in 2020 comparing to $150.7 million in 2019. 

During  the  year  ended  December  31,  2020,  we  paid  four  dividends  totaling  $1.00  per  common  share  (2019:  four  dividends 
totaling  $1.40  per  common  share),  or  a  total  of  $109.4  million  (2019:  $150.7  million).  All  dividends  paid  in  2020  and  2019 
were cash payments. 

Borrowings

As  of  December  31,  2020,  we  had  total  short-term  and  long-term  debt  outstanding  of  $1.7  billion  (2019:  $1.6  billion).  In 
addition, as of December 31, 2020, our wholly-owned equity accounted subsidiary SFL Hercules Ltd., or SFL Hercules, had 
total debt of $186 million (2019: $202 million). This subsidiary is accounted for using the equity method, and its outstanding 
long-term  debt  is  not  included  in  the  long-term  debt  shown  on  our  consolidated  balance  sheet.  SFL  Deepwater  Ltd.,  or  SFL 
Deepwater and SFL Linus Ltd., or SFL Linus were consolidated from October 29, 2020, please refer to Note 20: Short-term and 
Long-term Debt.

84

The following table presents an overall summary of our borrowings as at December 31, 2020:

(in millions of $)

Unsecured borrowings:

5.75% senior unsecured convertible bonds due 2021

NOK700 million bonds due 2023

4.875% senior unsecured convertible bonds due 2023

NOK700 million bonds due 2024

NOK600 million bonds due 2025

Total bonds

Borrowings secured on Frontline shares

U.S. dollar denominated floating rate debt due through 2025

Equity accounted subsidiaries: Loan facilities secured with mortgages on rigs

Total borrowings

Finance lease liabilities

Finance lease liabilities in associated companies (1)

Total borrowings and lease liabilities

December 31, 2020

Outstanding balance on loan

212.2 

81.6 

139.9 

81.0 

62.9 

577.6 

15.6 

1,070.1 

185.8 

1,849.1 

573.1 

231.9 

2,654.1 

(1) This represents 49.9% of the finance lease liabilities in the associated companies within River Box. 

In  May  2011,  eight  subsidiaries  entered  into  a  $171  million  secured  loan  facility  with  a  syndicate  of  banks.  The  facility  is 
supported by China Export & Credit Insurance Corporation, or SINOSURE, which has provided an insurance policy in favor of 
the banks for part of the outstanding loan. One of the vessels was sold in May 2018 and the facility now relates to the remaining 
seven vessels, which are Handysize dry bulk carriers. The facility is secured by these seven vessels. At December 31, 2020, the 
amount outstanding under this facility was $53.2 million. The facility bears interest at LIBOR plus a margin and has a term of 
approximately  ten  years  from  delivery  of  each  vessel.  The  facility  is  secured  against  the  subsidiaries'  assets  and  a  guarantee 
from us.

In  June  2014,  seven  subsidiaries  entered  into  a  $45  million  secured  term  loan  and  revolving  credit  facility  with  a  bank.  The 
proceeds of the facility were used to partly fund the acquisition of seven 4,100 TEU container vessels. At December 31, 2020, 
the amount outstanding under this facility was $45.0 million, and the available amount under the revolving part of the facility 
was $0.0 million. The facility bears interest at LIBOR plus a margin and had an original term of five years. In June 2019, the 
terms  of  the  loan  were  amended  and  restated,  and  the  facility  now  matures  in  June  2021.  The  facility  is  secured  against  the 
subsidiaries' assets and a guarantee from us. The facility contains a minimum value covenant, which is only applicable if there 
is an early termination of any of the charters attached to the vessels, or six months prior to expiry of the charters, whichever 
falls  earlier.  The  facility  also  contains  covenants  that  require  us  to  maintain  certain  minimum  levels  of  free  cash,  working 
capital and adjusted book equity ratios.

In  September  2014,    two  subsidiaries  entered  into  a  $20  million  secured  term  loan  facility  with  a  bank.  The  proceeds  of  the 
facility  were  used  to  partly  fund  the  acquisition  of    two  5,800  TEU  container  vessels.  At  December  31,  2020,  the  amount 
outstanding  under  this  facility  was  $17.3  million.  The  facility  bears  interest  at  LIBOR  plus  a  margin  and  has  a  term  of  five 
years. In September 2019, the terms of the loan were amended and restated, and the facility now matures in 2024. The facility is 
secured against the subsidiaries' assets and a guarantee from us. The facility contains a minimum value covenant, which is only 
applicable if there is an early termination of any of the charters attached to the vessels. The facility also contains covenants that 
require us to maintain certain minimum levels of free cash, working capital and adjusted book equity ratios.

85

 
 
 
 
 
 
 
 
 
 
 
 
 
In  December  2014,  two  subsidiaries  entered  into  a  $39  million  secured  term  loan  facility  with  a  bank.  The  proceeds  of  the 
facility  were  used  to  partly  fund  the  acquisition  of  two  Kamsarmax  dry  bulk  carriers.  At  December  31,  2020,  the  amount 
outstanding  under  this  facility  was  $21.8  million.  The  facility  bears  interest  at  LIBOR  plus  a  margin  and  has  a  term  of 
approximately eight years. The facility is secured against the subsidiaries' assets and a limited guarantee from us. The facility 
contains  a  minimum  value  covenant,  which  is  only  applicable  if  there  is  a  default  under  any  of  the  charters  attached  to  the 
vessels, or 12 months prior to expiry of the charters, whichever falls earlier. The facility also contains covenants that require us 
to maintain certain minimum levels of free cash, working capital and adjusted book equity ratios.

In July 2015, eight subsidiaries entered into a $166.4 million secured term loan facility with a syndicate of banks. The proceeds 
of the facility were used to partly fund the acquisition of eight Capesize dry bulk carriers. At December 31, 2020, the amount 
outstanding  under  this  facility  was  $90.1  million.  The  facility  bears  interest  at  LIBOR  plus  a  margin  and  has  a  term  of 
approximately seven years. The facility is secured against the subsidiaries' assets and a limited guarantee from us. The facility 
contains minimum value covenants and also covenants that require us to maintain certain minimum levels of free cash, working 
capital and adjusted book equity ratios.

In November 2015, three subsidiaries entered into a $210 million secured term loan facility with a syndicate of banks, to partly 
fund  the  acquisition  of  three  newbuilding  container  vessels.  One  of  the  vessels  was  delivered  in  November  2015,  and  the 
remaining two vessels were delivered in 2016. In November 2020 the portion of the facility relating to one subsidiary matured, 
and the outstanding debt of $49.2 million was repaid in full and refinanced at the same month with a new secured term loan 
facility  described  below.  At  December  31,  2020,  the  amount  outstanding  under  this  facility  was  $99.5  million.  The  facility 
bears  interest  at  LIBOR  plus  a  margin  and  has  a  term  of  five  years  from  the  delivery  of  each  vessel.  The  facility  is  secured 
against the subsidiaries' assets and a limited guarantee from us. The facility contains a minimum value covenant, which is only 
applicable if there is a default under any of the charters attached to the vessels, or six months prior to expiry of the charters, 
whichever  falls  earlier.  The  facility  also  contains  covenants  that  require  us  to  maintain  certain  minimum  levels  of  free  cash, 
working capital and adjusted book equity ratios.

In  October  2016,  we  issued  $225  million  senior  unsecured  convertible  bonds.  In  December  2018,  we  made  net  purchases  of 
bonds with principal amounts totaling $12.8 million and at December 31, 2020, the amount outstanding under this facility was 
$212.2  million.  Interest  on  the  bonds  is  fixed  at  5.75%  per  annum.  The  bonds  are  convertible  into  our  common  shares  and 
mature on October 15, 2021. The conversion rate at the time of issuance was 56.2596 common shares for each $1,000 bond, 
equivalent  to  a  conversion  price  of  approximately  $17.7747  per  share.  The  conversion  rate  will  be  adjusted  for  dividends  in 
excess of $0.225 per common share per quarter. Dividend distributions made since the issuance of the bonds have increased the 
conversion  rate  to  65.8012,  equivalent  to  a  conversion  price  of  approximately  $15.20  per  share  as  at  this  report  date.  In 
conjunction  with  the  bond  issue,  we  have  loaned  up  to  8,000,000  of  our  common  shares  to  an  affiliate  of  one  of  the 
underwriters of the issue, in order to assist investors in the bonds to hedge their positions. The shares that were lent by us were 
initially  borrowed  from  Hemen,  our  largest  shareholder.  In  November  2016,  we  issued  8,000,000  new  shares  to  replace  the 
shares borrowed from Hemen.

In  August  2017,  two  of  our  wholly-owned  subsidiaries  entered  into  a  $76  million  secured  term  loan  facility  with  a  bank, 
secured  against  two  product  tanker  vessels.  The  two  vessels  were  delivered  in  August  2017.  We  have  provided  a  limited 
corporate  guarantee  for  this  facility,  which  bears  interest  at  LIBOR  plus  a  margin  and  has  a  term  of  seven  years.  At 
December 31, 2020, the net amount outstanding was $59.1 million. The facility contains a minimum value covenant, which is 
only applicable if there is a default under any of the charters attached to the vessels, or 12 months prior to the maturity date of 
the facility, whichever falls earlier. The facility also contains covenants that require us to maintain certain minimum levels of 
free cash, working capital and adjusted book equity ratios.

On  April  23,  2018,  we  issued  a  senior  unsecured  convertible  bond  totaling  $150  million.  Additional  bonds  were  issued  on 
May  4,  2018  at  a  principal  amount  of  $14  million.  During  2018  and  2019,  we  made  net  purchases  of  bonds  with  principal 
amounts  totaling  $12.3  million  and  $3.4  million  respectively.  During  2020,  we  made  net  purchases  of  bonds  with  principal 
amounts totaling $8.4 million. At December 31, 2020, the amount outstanding under this facility was $139.9 million. Interest on 
the  bonds  is  fixed  at  4.875%  per  annum  and  is  payable  in  cash  quarterly  in  arrears  on  February  1,  May  1,  August  1  and 
November 1. The bonds are convertible into our common shares and mature on May 1, 2023. The initial conversion rate at the 
time of issuance was 52.8157 common shares per $1,000 bond, equivalent to a conversion price of approximately $18.93 per 
share. Since the issuance, dividend distributions have increased the conversion rate to 71.8147, equivalent to a conversion price 
of approximately $13.92 per share. In conjunction with the bond issue, we agreed to loan up to 7,000,000 of its common shares 
to affiliates of the underwriters of the issue, in order to assist investors in the bonds to hedge their position. As at December 31, 
2020, a total of 3,765,842 shares were issued from up to 7,000,000 shares issuable under a share lending arrangement.

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In June 2018, 15 of our wholly-owned subsidiaries entered into a $50 million secured term loan facility with a bank, secured 
against  15  feeder  size  container  vessels.  The  15  feeder  size  container  vessels  were  delivered  in  April  2018.  We  provided  a 
corporate guarantee for this facility, which bears interest at LIBOR plus a margin and has a term of seven years. The net amount 
outstanding at December 31, 2020, was $34.1 million. 

On  September  13,  2018,  we  issued  a  senior  unsecured  bond  totaling  NOK600  million  in  the  Norwegian  credit  market.  The 
bonds  bear  quarterly  interest  at  NIBOR  plus  a  margin  and  are  redeemable  in  full  on  September  13,  2023.  In  July  2019,  we 
conducted a tap issue of NOK100 million under these existing senior unsecured bonds due. The bonds were issued at 101.625% 
of par, and the new outstanding amount after the tap issue is NOK700 million. The net amount outstanding at December 31, 
2020, was NOK700 million, equivalent to $81.6 million.

In December 2018, two of our wholly-owned subsidiaries entered into a $17.5 million secured term loan facility with a bank. 
The  proceeds  of  the  facility  were  used  to  partly  fund  two  Supramax  dry  bulk  carriers.  At  December  31,  2020,  the  amount 
outstanding  under  this  facility  was  $12.9  million.  The  facility  bears  interest  at  LIBOR  plus  a  margin  and  has  a  term  of 
approximately five years from delivery of the vessels. The facility is secured by the subsidiaries' assets and a limited guarantee 
from us. The facility contains a minimum value covenant, which is only applicable if there is an early termination of any of the 
charters attached to the vessels. The facility also contains covenants that require us to maintain certain minimum levels of free 
cash, working capital and adjusted book equity ratios.

In February 2019, three of our wholly-owned subsidiaries entered into a $24.9 million senior secured term loan facility with a 
bank.  The  proceeds  of  the  facility  were  used  to  partly  fund  three  Supramax  dry  bulk  carriers.  At  December  31,  2020,  the 
amount outstanding under this facility was $20.3 million. The facility bears interest at LIBOR plus a margin and has a term of 
approximately five years from delivery of the vessels. The facility is secured by the subsidiaries' assets and a limited guarantee 
from us. The facility contains a minimum value covenant, which is only applicable if there is an early termination of any of the 
charters attached to the vessels. The facility also contains covenants that require us to maintain certain minimum levels of free 
cash, working capital and adjusted book equity ratios.

In February 2019, three of our wholly-owned subsidiaries entered into a $50 million senior secured term loan facility with a 
bank, secured against three tankers chartered to Frontline Shipping. In 2020, $14.9 million of this facility was repaid following 
the  sale  of  the  Front  Hakata  and  the  facility  now  relates  to  the  remaining  two  tankers.  At  December  31,  2020,  the  amount 
outstanding  under  this  facility  was  $35.2  million.  The  facility  bears  interest  at  LIBOR  plus  a  margin  and  has  a  term  of  four 
years. The facility is secured by the subsidiaries' assets and a limited guarantee from us. The facility contains a minimum value 
covenant, which is only applicable if there is an early termination of any of the charters attached to the vessels. The facility also 
contains covenants that require us to maintain certain minimum levels of free cash, working capital and adjusted book equity 
ratios. 

In March 2019, two of our wholly-owned subsidiaries entered into a $29.5 million term loan facility with a bank. The proceeds 
of the facility were used to partly fund two car carriers. At December 31, 2020, the net amount outstanding under this facility 
was $23.0 million. The facility bears interest at LIBOR plus a margin and has a term of five years. The facility is secured by the 
subsidiaries' assets and a limited guarantee from us. The facility contains a minimum value covenant, which is only applicable 
if there is an early termination of any of the charters attached to the vessels. The facility also contains covenants that require us 
to maintain certain minimum levels of free cash, working capital and adjusted book equity ratios. 

In June 2019, we issued a senior unsecured bond loan totaling NOK700 million in the Norwegian credit market. The bonds bear 
quarterly interest at NIBOR plus a margin and have a term of approximately five years. During 2020, we purchased bonds with 
principal amounts totaling NOK5 million equivalent to $0.5 million. The net amount outstanding at December 31, 2020 was 
NOK695  million,  equivalent  to  $81.0  million.  The  bond  agreement  contains  covenants  that  require  us  to  maintain  certain 
minimum levels of free cash, working capital and adjusted book equity ratios.

In June 2019, five of our subsidiaries entered into a $33.1 million term loan facility with a syndicate of banks. Although the 
facility is unsecured, we are acting as Guarantor. In March 2020, $4.25 million of this facility was repaid following the sale of 
these five offshore support vessels in February, March and May 2020. At December 31, 2020, the amount outstanding under 
this facility was $28.8 million. The facility bears interest at LIBOR plus a margin and has a term of approximately four years. 

87

In January 2020, we issued a senior unsecured bond loan totaling NOK600 million in the Norwegian credit market. The bonds 
bear quarterly interest at NIBOR plus a margin and have a term of approximately five years. During 2020, we purchased bonds 
with principal amounts totaling NOK60 million equivalent to $6.0 million. The net amount outstanding at December 31, 2020 
was NOK540 million, equivalent to $62.9 million. The bond agreement contains covenants that require us to maintain certain 
minimum levels of free cash, working capital and adjusted book equity ratios.

In March 2020, two of our subsidiaries entered into a $40 million senior secured term loan facility with a bank. The facility is 
secured against two Suezmax tankers. We have provided a corporate guarantee for this facility, which bears interest at LIBOR 
plus  a  margin  and  has  a  term  of  approximately  two  years.  The  net  amount  outstanding  at  December  31,  2020,  was  $37.0 
million. The facility contains a minimum value covenant and covenants that require us to maintain certain minimum levels of 
free cash, working capital and adjusted book equity ratios.

In March 2020, three of our wholly-owned subsidiaries entered into a $15 million senior secured term loan facility with a bank, 
secured against three container vessels. We have provided a corporate guarantee for this facility, which bears interest at LIBOR 
plus  a  margin  and  has  a  term  of  approximately  five  years.  The  net  amount  outstanding  at  December  31,  2020,  was  $12.8 
million. The facility contains a minimum value covenant and covenants that require us to maintain certain minimum levels of 
free cash, working capital and adjusted book equity ratios.

In March 2020, four of our wholly-owned subsidiaries entered into a $175 million term loan facility with a syndicate of banks, 
secured against four 8,700 TEU container vessels. We have provided a limited corporate guarantee for this facility, which bears 
interest at LIBOR plus a margin and has a term of approximately five years. The net amount outstanding at December 31, 2020, 
was $165.5 million. The facility contains a minimum value covenant and covenants that require us to maintain certain minimum 
levels of free cash, working capital and adjusted book equity ratios.

In May 2020, one of our wholly-owned subsidiaries entered into a $50 million senior secured term loan facility with a bank, 
bearing interest at LIBOR plus a margin and with a term of approximately five years. The facility is secured against a 308,000 
dwt  VLCC.  The  net  amount  outstanding  at  December  31,  2020,  was  $48.6  million.  The  facility  contains  a  minimum  value 
covenant and covenants that require us to maintain certain book equity ratios.

In November 2020, one of our wholly-owned subsidiaries entered into a $50 million senior secured term loan facility with a 
bank,  secured  against  a  container  vessel.  We  have  provided  a  corporate  guarantee  for  this  facility,  which  bears  interest  at 
LIBOR  plus  a  margin  and  has  a  term  of  approximately  four  years.  The  net  amount  outstanding  at  December  31,  2020,  was 
$50.0  million.  The  facility  contains  a  minimum  value  covenant  and  covenants  that  require  us  to  maintain  certain  minimum 
levels of free cash, working capital and adjusted book equity ratios.

SFL  Linus  was  consolidated  from  October  29,  2020.  (See  Note  17:  Investment  in  Associated  Companies).  In  October  2013, 
SFL  Linus  entered  into  a  $475  million  five  years  term  loan  and  revolving  credit  facility  with  a  syndicate  of  banks  to  partly 
finance the acquisition of the rig. The facility was drawn in February 2014. During the year ended December 31, 2017, certain 
amendments were agreed with the banks under the loan facility, including an extension of the final maturity date by four years. 
In  addition,  we  have  given  to  the  banks  a  first  priority  pledge  over  all  shares  of  SFL  Linus  and  assigned  all  claims  under  a 
secured loan made by us to SFL Linus in favor of the banks. This loan is secured by a second priority mortgage over the rig 
which has been assigned to the banks. At December 31, 2020, the balance outstanding under this facility was $216.0 million. 
We have fully guaranteed the facility as at December 31, 2020. 

At  December  31,  2020,  the  three-month  U.S.  dollar  LIBOR  was  0.24%  and  the  three-month  Norwegian  kroner  NIBOR  was 
0.49%.

Secured Borrowings

As at December 31, 2019, we had a forward contract to repurchase 3.4 million shares of Frontline which expired in June 2020 
for  $36.8  million.  The  transaction  was  accounted  for  as  a  secured  borrowing,  with  the  shares  transferred  to  'Marketable 
securities  pledged  to  creditors'  and  a  liability  of  $36.8  million  recorded  within  debt  at  December  31,  2019.  During  the  year 
ended  December  31,  2020  we  repurchased  2.0  million  shares  subject  to  the  forward  contact  and  repaid  $21.1  million  of  the 
secured borrowing.

88

 
As at December 31, 2020, we had a forward contract which expired in January of 2021, and has subsequently been rolled over 
to April 2021, to repurchase 1.4 million shares of Frontline at a repurchase price of $16.1 million including accrued interest. 
The transaction has been accounted for as a secured borrowing, with the shares transferred to 'Marketable securities pledged to 
creditors' and a liability of $15.6 million recorded within debt at December 31, 2020. We are required to post collateral of 20% 
of  the  total  repurchase  price  plus  any  negative  mark  to  market  movement  from  the  repurchase  price  for  the  duration  of  the 
agreement. As at December 31, 2020, $9.0 million (December 31, 2019:  $3.5 million) was held as collateral and recorded as 
restricted cash. 

Debt in Associated Companies

SFL  Deepwater  is  a  100%  owned  subsidiary  of  SFL,  incorporated  in  2008  for  the  purpose  of  holding  two  ultra  deepwater 
drilling  rigs  and  leasing  those  rigs  to  Seadrill  Deepwater  Charterer  Ltd.  and  Seadrill  Offshore  AS,  fully  guaranteed  by  their 
parent company Seadrill. In June 2013, SFL Deepwater transferred one of the rigs and the corresponding lease to SFL Hercules 
(see  below).  Accordingly,  SFL  Deepwater  now  holds  one  ultra  deepwater  drilling  rig  which  is  leased  to  Seadrill  Deepwater 
Charterer Ltd.  In October 2013, SFL Deepwater entered into a $390 million five years term loan and revolving credit facility 
with  a  syndicate  of  banks,  which  was  used  in  November  2013  to  refinance  the  previous  loan  facility.  In  connection  with  a  
Restructuring Plan in 2017, certain amendments were agreed with the banks under the loan facility, including an extension of 
the final maturity date by four years. In October 2020, SFL Deepwater was consolidated by the Company and repurchased the 
total  debt  outstanding  under  the  facility  of  $176.1  million  for  $110.0  million  and  the  Company  recognized  a  gain  on  debt 
extinguishment of $66.1 million.

SFL Hercules is a 100% owned subsidiary of SFL, incorporated in 2012 for the purpose of holding an ultra deepwater drilling 
rig  and  leasing  that  rig  to  Seadrill  Offshore  AS,  fully  guaranteed  by  its  parent  company  Seadrill.  The  rig  was  transferred, 
together with the corresponding lease, to SFL Hercules from SFL Deepwater in June 2013. In May 2013, SFL Hercules entered 
into a $375 million six years term loan and revolving credit facility with a syndicate of banks to partly finance its acquisition of 
the  rig  from  SFL  Deepwater.  The  facility  was  drawn  in  June  2013.  In  connection  with  the  2017  Restructuring  Plan,  certain 
amendments were agreed with the banks under the loan facility, including an extension of the final maturity date by four years. 
Further, the financial covenants on Seadrill were replaced by financial covenants on a newly established subsidiary of Seadrill, 
Seadrill  Rig  Holding  Company  Limited  (“RigCo”),  who  also  acts  as  guarantor  for  the  obligations  under  the  lease  for  the  
drilling units, on a subordinated basis to the senior secured lenders in Seadrill and new secured notes. At December 31, 2020, 
the  balance  outstanding  under  this  facility  was  $185.8  million.  The  Company  guaranteed  $83.1  million  of  this  debt  at 
December 31, 2020.  In addition, the Company has given the banks a first priority pledge over all shares of SFL Hercules and 
assigned all claims under a secured loan made by the Company to SFL Hercules in favor of the banks. This loan is secured by a 
second priority mortgage over the rig which has been assigned to the banks. The rig is chartered on a bareboat basis and the 
terms of the charter provide the charterer with various call options to acquire the rig at certain dates throughout the charter. In 
addition, there is an obligation for the charterer to purchase the rig at a fixed price at the end of the charter, which originally 
expired in November 2023. In connection with the 2017 Restructuring Plan, the lease has been extended by 13 months until 
December 2024. Because the main asset of SFL Hercules is the subject of a lease which includes both fixed price call options 
and a fixed price purchase obligation at the end of the charter, and due to the substantive restrictions in the debt facility, it has 
been determined that this subsidiary of SFL is a variable interest entity in which SFL is not the primary beneficiary.  

As discussed above, following the 2017 Restructuring Plan, RigCo acts as guarantor for the obligations under the leases for the 
three  drilling  units,  on  a  subordinated  basis  to  the  senior  secured  lenders  in  Seadrill  and  new  secured  notes.  Seadrill  was  in 
default on its leases with the Company at December 31, 2020 , as well as on certain credit facilities with other lenders. Seadrill's 
failure  to  pay  hire  under  the  leases  for  the  Company's  drilling  rigs  when  due,  along  with  certain  other  events,  including  the 
commencement  of  its  Chapter  11  Proceedings,  constitute  events  of  default  under  such  leases  and  the  related  financing 
agreements. Unless cured or waived, the event of default could result in enforcement including making payments under certain 
guarantees of the loan facility.

89

Finance Lease Liabilities in Associated Companies

River  Box  was  a  previously  wholly  owned  subsidiary  of  ours.  It  holds  investments  in  direct  financing  leases,  through  its 
subsidiaries, related to the 19,200 and 19,400 TEU containerships MSC Anna, MSC Viviana, MSC Erica and MSC Reef which 
were chartered-in on a bareboat basis, each for a period of 15 years from delivery by the shipyard. The four vessels are also 
chartered-out  for  the  same  15-year  period  on  a  bareboat  basis  to  MSC,  an  unrelated  party.  On  December  31,  2020,  we  sold 
50.1% of the shares of River Box to a subsidiary of Hemen, a related party. Following the sale of River Box, the investments in 
the four container vessels accounted for as direct financing leases of $540.9 million and its related finance lease liabilities of 
$464.7 million have been derecognized from our consolidated financial statements. Refer to Note 9: Gain on sale of subsidiaries 
and disposal groups and Note 17: Investment in Associated Companies. 

Finance Lease Liabilities

In  2018,  we  acquired  four  13,800  TEU  container  vessels  and  three  10,600  TEU  container  vessels,  which  were  subsequently 
refinanced with an Asian based financial institution by entering into separate sale and leaseback financing arrangements. The 
vessels are leased back for terms ranging from six to 11 years, with options to purchase the vessel after six years. Due to the 
terms of the sale and leaseback arrangements, each option is expected to be exercised on the sixth anniversary. These sale and 
leaseback transactions were accounted for as vessels under finance leases. At December 31, 2020 the outstanding finance lease 
liability balance for these leases was $573.1 million.

Minimum Value Covenants

Most  of  our  loan  facilities  are  secured  with  mortgages  on  vessels.  At  December  31,  2020,  we  had  borrowings  totaling 
$0.6  billion  with  minimum  value  covenants  which  are  tested  on  a  regular  basis.  These  borrowings  were  secured  against  52 
vessels which had combined charter-free market values totaling approximately $1.0 billion. A reduction of 10% in charter-free 
market values in 2020 would not result in any material prepayments or reduction in availability on revolving credit facilities, 
after scheduled loan repayments and prepayments in the year. 

In addition, at December 31, 2020, we had borrowings totaling $0.2 billion with conditional minimum value covenants which 
are  only  tested  if  the  charter  which  the  vessel  is  employed  is  terminated  or  about  to  expire.  These  borrowings  were  secured 
against six vessels which had combined charter-free market values totaling approximately $0.3 billion. 

Derivatives

We use financial instruments to reduce the risk associated with fluctuations in interest rates. At December 31, 2020, we and our 
consolidated  subsidiaries  had  entered  into  interest  rate  swap  contracts  with  a  combined  notional  principal  amount  of  $0.9 
billion, whereby variable LIBOR interest rates excluding additional margins are swapped for fixed interest rates between 0.28% 
per annum and 2.97% per annum. We entered into interest rate/currency swap contracts, related to our bonds denominated in 
Norwegian  kroner,  with  notional  principal  amounts  of  NOK128  million  ($15  million),  NOK100  million  ($11  million)  and 
NOK420  million  ($48  million)  whereby  variable  NIBOR  interest  rates  including  additional  margin  are  swapped  for  average 
fixed interest rates of 6.74% per annum, 6.38% per annum and 6.87% per annum respectively, and both the payment of interest 
and eventual settlement of the bonds will have an effective exchange rate of NOK8.71 = $1, NOK8.89 = $1 and NOK8.69 = $1, 
respectively. We also entered into currency swap contracts, related to our NOK700 million bond (due 2023) denominated in 
Norwegian  kroner,  our  NOK700  million  bond  (due  2024)  and  our  NOK600  million  bond  (due  2025)  denominated  in 
Norwegian  kroner,  with  notional  principal  amounts  of  NOK472  million  ($62  million),  NOK280  million  ($32  million)  and 
NOK600 million ($68 million) where the eventual settlement of the bonds will have an effective exchange rate of NOK7.60 = 
$1, NOK8.70 = $1 and NOK8.88 = $1 respectively. The overall effect of our swaps is to fix the interest rate on approximately 
$0.9 billion of our floating rate debt, at December 31, 2020, at a weighted average interest rate of 2.91% per annum including 
margin.

The effect of the above swap contracts is to substantially reduce our exposure to interest rate and exchange rate fluctuations, 
further analysis of which is presented in Item 11 "Quantitative and Qualitative Disclosures about Market Risk". 

At the date of this report, we were not party to any other interest rate or currency derivative contracts.

90

 
 
Equity

In November 2016, the Board of Directors renewed a share option scheme originally approved in November 2006, permitting 
the directors to grant options in our shares to our employees, officers and directors or our subsidiaries. The fair value cost of 
options granted is recognized in the statement of operations, with a corresponding amount credited to additional paid in capital. 
The additional paid-in capital arising from share options granted was $1.0 million in 2020 (2019: $0.9 million).

In  October  2017,  we  issued  a  total  of  9,418,798  new  shares  following  separate  privately  negotiated  transactions  with  certain 
holders of the 3.25% senior unsecured convertible bonds due 2018 for the conversion of a principal amount of $121.0 million 
from the outstanding balance of the convertible bonds. 

In February 2018, we redeemed the full outstanding amount under the 3.25% senior unsecured convertible bonds due 2018. The 
remaining outstanding principal amount of $63.2 million was paid in cash, and the premium settled in common shares with the 
issue of 651,365 new shares.

In April 2018, we issued a total of 3,765,842 new shares of par value $0.01 each from up to 7,000,000 issuable under a share 
lending arrangement in relation with our issuance of 4.875% senior unsecured convertible bonds in April and May 2018. The 
shares  issued  have  been  loaned  to  affiliates  of  the  underwriters  of  the  bond  issue  in  order  to  assist  investors  in  the  bonds  to 
hedge their position. The bonds are convertible into common shares and mature on May 1, 2023. As required by ASC 470-20 
"Debt with Conversion and Other Options", we calculated the equity component of the convertible bond, which was valued at 
$7.9 million at issue date and recorded as "Additional paid-in capital" (see Note 20: Short-term and long-term debt). During the 
year  ended  December  31,  2020,  we  purchased  bonds  with  principal  amounts  totaling  $8.4  million  (2019:  $3.4  million).  The 
equity  component  of  these  extinguished  bonds  was  valued  at  $0.3  million  (2019:  $0.2  million)  and  has  been  deducted  from 
"Additional paid-in capital".

In May 2018, we issued a total of 4,024,984 new shares as part of the consideration paid for the acquisition of four 2014-built 
container  vessels,  each  with  approximately  13,800  TEU  carrying  capacity.  The  vessels  are  employed  under  long-term  time-
charters to an unrelated third party.

At  our  Annual  General  Meeting  in  September  2018,  a  resolution  was  passed  to  approve  an  increase  of  our  authorized  share 
capital  from  $1,500,000  divided  into  150,000,000  common  shares  of  $0.01  par  value  each  to  $2,000,000  divided  into 
200,000,000 common shares of $0.01 par value each by the authorization of an additional 50,000,000 common shares of $0.01 
par value each.

On  May  1,  2020,  we  filed  a  registration  statement  to  register  the  sale  of  up  to  10,000,000  Common  Shares  pursuant  to  the 
dividend reinvestment plan, or DRIP to facilitate investments by individual and institutional shareholders who wish to invest 
dividend payments received on shares owned or other cash amounts, in the Company's Common Shares on a regular basis, one 
time basis or otherwise. If certain waiver provisions in the DRIP are requested and granted pursuant to the terms of the plan, we 
may grant additional share sales to investors from time to time up to the amount registered under the plan.

In May 2020, we entered into an equity distribution agreement with BTIG LLC ("BTIG") under which we may, from time to 
time,  offer  and  sell  new  ordinary  shares  having  aggregate  sales  proceeds  of  up  to  $100.0  million  through  an  At-the-Market 
Sales Agreement offering ('ATM').  

During the year ended December 31, 2020, we issued and sold 8.4 million shares under these arrangements and total proceeds 
of $61.5 million net of costs were received, resulting in a premium on issue of $61.4 million.

At our Annual General Meeting held in August 2020, a resolution was passed to approve an increase of our authorized share 
capital  from  $2,000,000  equivalent  to  200,000,000  common  shares  of  $0.01  par  value  each  to  $3,000,000  equivalent  to 
300,000,000 common shares of $0.01 par value each by the authorization of an additional 100,000,000 common shares of $0.01 
par value each.

During the year ended December 31, 2020, we issued a total of 6,869 new shares of $0.01 each following the exercise of 17,500 
share  options  (2019:  18,246  new  shares  issued  to  satisfy  65,000  options  exercised  and  2018:  no  new  shares).  The  weighted 
average exercise price of the options exercised in 2020 was $8.63 per share. In November 2016, the Board of Directors renewed 
our  Share  Option  Scheme  (the  "Option  Scheme"),  originally  approved  in  November  2006.  The  Option  Scheme  permits  the 
Board of Directors, at its discretion, to grant options to employees, officers and directors of the Company or its subsidiaries. 
The fair value cost of options granted is recognized in the statement of operations, and the corresponding amount is credited to 
additional paid in capital (see also Note 23: Share option plan).

91

In 2020, $109.4 million of the dividend was paid from contributed surplus (2019: $31.9 million).

Following the above transactions, as of December 31, 2020, our issued and fully paid share capital balance was $1.3 million, 
our additional paid-in capital was $531 million and our contributed surplus balance was $539 million.

C. RESEARCH AND DEVELOPMENT, PATENTS AND LICENSES, ETC.

We do not undertake any significant expenditure on research and development, and have no significant interests in patents or 
licenses.

D. TREND INFORMATION

According to industry sources, vessel prices have generally declined since their peak in 2008. The first half of 2020 saw very 
limited  newbuilding  orders,  with  both  newbuilding  investment  and  yard  output  having  been  significantly  impacted  by  the 
Covid-19 pandemic. In 2020, a total of 738 newbuilds ships of 53.9 million dwt were reported contracted, a 29% year on year 
drop  in  terms  of  dwt.  The  lack  of  newbuilding  orders  comes  as  a  result  of  uncertainty  global  pandemic  outbreak,  weakened 
investor sentiment and uncertainty on fuel technology as a result of future upcoming environmental regulations.

According  to  industry  sources,  the  tanker  market  eased  back  in  early  2020  after  a  strong  Q4  2019,  however  saw  significant 
increase  to  historically  high  levels  during  March-April  2020  as  a  result  of  impacts  from  COVID-19  with  a  fall  in  oil  prices 
resulting in high oil output and demand for floating storage. The strong market gradually eased during the second half of 2020, 
according to industry sources, spot charter rates in the fourth quarter was very much below what was seen during the second 
quarter  of  2020,  ending  the  year  with  average  earnings  during  December  for  VLCC,  Suezmax  and  Aframax  sector  of 
approximately  $19,000  ($23,000  for  scrubber  fitted),  $6,600  ($8,900  for  scrubber  fitted)  and  $5,400  per  day  ($7,300  for 
scrubber  fitted),  respectively.  In  2020  crude  demand  declined  by  approximately  5.4%  and  the  crude  fleet  grew  by 
approximately 1.1%. Product tanker demand fell by approximately 10.0% while the product tanker fleet grew by 0.2%.     

Overall,  2020  saw  significant  volatility  in  all  tanker  sectors.  According  to  industry  sources,  global  oil  supply  is  estimated  to 
have declined by 6.5%, while global oil demand is estimated to have fallen by 8.8% in 2020. At the beginning of 2020, the fleet 
of trading crude tankers is expected to see a growth of 4.5% during 2021, while crude tanker demand is expected to grow by 
2.7%  in  the  same  period.  Product  tanker  demand  growth  is  expected  to  grow  by  6.5%  with  the  product  tanker  fleet  only 
expected to increase by 3.9% during 2021, providing support for the tanker sector in 2021. A series of potential impacts and 
factors  may  impact  the  demand  growth.  Since  the  beginning  of  the  first  quarter  of  2020,  the  COVID-19  outbreak  has  had 
significant negative impacts on oil markets, with low oil prices as a result of the continued low global oil demand. Whilst oil 
prices have increased in 2021, the short-term outlook for the tanker sector remains challenging with the market continuing to 
face pressure from ongoing oil supply cuts and global ‘lockdowns’.

Our tanker vessels on charter to Frontline Shipping are subject to long term charters that provide for both a fixed base charter-
hire and profit sharing payments that apply once Frontline Shipping earns average daily rates from our vessels in the market 
that exceed the fixed base charter rates, calculated and payable on a quarterly basis. If rates for vessels chartered in the spot 
market increase, our profit sharing revenues, if any, will likewise increase for those vessels operated by Frontline Shipping in 
the spot market. We also have two Suezmax tankers currently employed in the spot market, which will benefit directly from any 
strengthening in spot charter rates.

According to industry sources, during 2020 the dry bulk fleet growth is expected to have seen a 3.8% increase in total dwt. This 
compares  to  a  flat  demand  growth  of  0.1%  in  terms  of  tonne  miles,  following  a  generally  challenging  year.  Looking  ahead, 
industry sources are estimating that the dry bulk global trade will expand by 3.7% during 2021, in terms of tonne-miles. This 
amounts to an approximate total of 5.3 billion tonnes for the full year. The total dry bulk market declined by an estimated 2.1% 
during 2020. Industry sources indicate that the 2.1% decline in seaborne dry bulk trade (in tonnes) during 2020 came as a result 
of the impacts arising from the Covid-19 pandemic which caused significant disruption and operation challenges. The dry bulk 
fleet is expected to increase by an estimated 2.6% in 2021. With the dry bulk newbuilding orderbook standing at 6% of the total 
fleet in terms of capacity and trade expected to rebound from disrupted levels during 2020, the market could see some positive 
signs, however with continued uncertainty.

92

     
Our dry bulk vessels on charter to Golden Ocean are subject to long term charters that provide for both a fixed base charter-hire 
and profit sharing payments that apply once Golden Ocean earns average daily rates from our vessels in the market that exceed 
the  fixed  base  charter  rates,  calculated  and  payable  on  a  quarterly  basis.  If  rates  for  vessels  chartered  in  the  spot  market 
increase,  our  profit  sharing  revenues,  if  any,  will  likewise  increase  for  those  vessels  operated  by  Golden  Ocean  in  the  spot 
market.  We  also  have  ten  32,000  –  58,000  dwt  dry  bulk  vessels  currently  employed  in  the  spot  market,  which  will  benefit 
directly from any strengthening in spot charter rates.

According  to  industry  sources,  the  containership  charter  market  experienced  significant  volatility  during  2020.  After  severe 
negative impacts resulting from the outbreak of the Covid-19 pandemic, volumes saw a swift recovery along with significant 
logistical disruptions during the second half of 2020. The improvements resulted in box ship charter rates to levels not recorded 
since 2008, up 132% in Q4 compared to Q2 of 2020. Following year end, the Shanghai Containerized Freight Index ("SCFI") 
hit a record 2,783 at the end of 2020, with a 56% increase on average level in 2020 compared to 2019. The global seaborne 
container trade is estimated to have fallen by 1.1% during 2020 (TEU-miles), down from an expansion of 1.8% in 2019. Fleet 
capacity growth slowed slightly in 2020, standing at 2.9% compared to 4.0% growth seen in 2019. Demolition activity in the 
container  segment  was  generally  flat  during  the  year  80  vessels  of  an  approximately  0.18  million  TEU  sold  for  recycling  in 
2020, compared with 93 vessels of 0.18 million TEU during 2019.

According  to  industry  sources,  trade  growth  in  2021  is  projected  to  pick  up,  with  an  estimated  5.7%  TEU  growth,  or  5.4% 
TEU-miles.  In  2020,  Far  East-Europe  trade  is  projected  to  expand  by  5.3%  compared  to  2020  (TEU).  On  the  peak  leg, 
transpacific trade is expected to increase by 3.7% in 2021 compared to 2020. The positive near-term view and growth expected 
during  2021  is  expected  to  normalize  as  vaccines  will  result  in  more  normal  economic  activity  and  a  gradual  shift  towards 
services spending.

According to industry sources, the dramatic reduction in the price of oil since 2014 has reduced demand for offshore drilling 
units,  and  day  rates  and  utilizations  have  declined  considerably  in  the  four  years  to  2017,  as  many  offshore  exploration 
activities became inviable at low prices of below $50. As a result, some owners/operators of drilling units have experienced 
financial difficulties in the past years, including breaching bank covenants and restructuring. The market remains challenging, 
with the number of offshore drilling rigs working under contract reduced by 8% at the end of 2020 compared to end of 2019. 
With the number of rigs available shrinking due to retiring of assets fleet utilization level is only slightly down at the end of 
2020,  standing  at  78%.  The  overall  upstream  demand  is  expected  to  remain  flat  with  significant  uncertainty  given  energy 
transition  forecasts  and  continued  low  global  oil  demand.  Global  consumption  of  liquid  fuels  is  estimated  to  have  averaged 
approximately 92 million barrels per day during 2020, down 9 million barrels per day compared to 2019. The medium and long 
term oil price development remains uncertain, with Covid-19 pandemic expected to continue to affect the global oil demand 
along  with  a  structural  transition  in  global  energy  systems  with  renewable  energy  expected  to  increase  going  forward.  The 
effect on this related to the market is currently difficult to assess.

Interest rates have been at historically low levels since 2009. We have effectively hedged a substantial portion of our interest 
exposure on our floating rate debt through swap agreements with banks. Several of our charter contracts also include interest 
adjustment clauses, whereby the charter rate is adjusted to reflect the actual interest paid on a deemed outstanding loan relating 
to the asset, effectively transferring the interest rate exposure to our counterparty under the charter contract.

The  above  overviews  of  the  various  sectors  in  which  we  operate  are  based  on  current  market  conditions.  However,  market 
developments cannot always be predicted and may differ from our current expectations.

E. OFF-BALANCE SHEET ARRANGEMENTS

At December 31, 2020, we were not party to any arrangements which may be considered to be off balance sheet arrangements.

93

F. TABULAR DISCLOSURE OF CONTRACTUAL OBLIGATIONS

Contractual Commitments

At December 31, 2020, we had the following contractual obligations and commitments:

Less than
1 year

5.75% unsecured convertible bonds due 2021

212.2 

NOK700 million senior unsecured bonds due 2023

4.875% senior unsecured convertible bonds due 2023

NOK700 million senior unsecured bonds 2024

NOK700 million senior unsecured bonds 2025

Borrowings secured on Frontline shares

Floating rate long-term debt
Floating rate long-term debt in unconsolidated 
subsidiaries (1)
Total debt repayments

Total interest payments (2)

Finance lease obligations

Finance lease obligations in associated companies (4)

Interest on finance lease liabilities
Interest on finance lease liabilities in associated 
companies (4)

Scrubbers and BWTS installation commitments (3)
Total contractual cash obligations

— 

— 

— 

— 

15.6 

257.1 

185.8 
670.7 

61.2 

48.9 

11.0 

25.8 

14.9 

8.9 
841.4 

Payment due by period
1–3
years

3–5
years

After
5 years

(in millions of $)

— 

81.6 

139.9 

— 

— 

— 

— 

— 

— 

81.0 

62.9 

— 

534.1 

278.9 

— 
755.6 

74.7 

104.9 

24.3 

44.6 

27.6 

3.9 
1,035.6 

— 
422.8 

14.0 

419.3 

27.7 

14.5 

24.3 

— 
922.6 

— 

— 

— 

— 

— 

— 

— 

— 
— 

— 

— 

168.9 

— 

50.1 

— 
219.0 

Total

212.2 

81.6 

139.9 

81.0 

62.9 

15.6 

1,070.1 

185.8 
1,849.1 

149.9 

573.1 

231.9 

84.9 

116.9 

12.8 
3,018.6 

(1) The  floating  rate  long-term  debt  facilities  in  the  unconsolidated  subsidiaries  relate  to  one  drilling  unit  on  charter  to  the 

Seadrill Charterers. 

(2) Interest payments are based on the existing borrowings of both fully consolidated and equity-accounted subsidiaries. It is 
assumed  that  no  further  refinancing  of  existing  loans  takes  place  and  that  there  is  no  repayment  on  revolving  credit 
facilities. Interest rate swaps have not been included in the calculation. The interest has been calculated using the five year 
U.S. dollar swap of 0.88%, the five year NOK swap of 0.48% and the exchange rate of NOK8.42 = $1 as of March 17, 
2021, plus agreed margins. Interest on fixed rate loans is calculated using the contracted interest rates.

(3) As at December 31, 2020, the Company had committed $5.8 million towards the procurement of scrubbers on two of its oil 
tankers and seven container vessels. As at December 31, 2020, the Company has also committed to paying approximately 
$7.0 million towards the installation of BWTS on 16 vessels from our fleet, with installations expected to take place up to 
2022. 

(4) This  represents  49.9%  of  the  finance  lease  liabilities  and  interest  on  finance  lease  liabilities  in  the  associated  companies 

within River Box in relation to four container vessels on charter to MSC. 

G. SAFE HARBOR 

Forward-looking  information  discussed  in  this  Item  5  includes  assumptions,  expectations,  projections,  intentions  and  beliefs 
about future events. These statements are intended as "forward-looking statements." We caution that assumptions, expectations, 
projections,  intentions  and  beliefs  about  future  events  may  and  often  do  vary  from  actual  results  and  the  differences  can  be 
material. Please see "Cautionary Statement Regarding Forward-Looking Statements" in this report.

94

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
ITEM 6. 

DIRECTORS, SENIOR MANAGEMENT AND EMPLOYEES

A. DIRECTORS AND SENIOR MANAGEMENT

The following table sets forth information regarding our directors and officers including the Chief Executive Officer and the 
Chief  Financial  Officer  of  our  wholly  owned  subsidiary  SFL  Management  AS,  who  are  responsible  for  overseeing  our 
management.

Name
James O'Shaughnessy

Age Position
57 Director of the Company and Chairperson of the Audit Committee

Kathrine Astrup Fredriksen
Gary Vogel

Keesjan Cordia

Ole B. Hjertaker

Aksel C. Olesen

37 Director of the Company

55 Director of the Company

46 Director of the Company

54 Director and Chief Executive Officer of SFL Management AS (Principal Executive Officer)

44 Chief Financial Officer of SFL Management AS (Principal Financial Officer)

Under our constituent documents, we are required to have at least one independent director on our Board of Directors whose 
consent will be required to file for bankruptcy, liquidate or dissolve, merge or sell all or substantially all of our assets.

Certain biographical information about each of our directors and officers is set forth below.

James O'Shaughnessy has been a Director of the Company since September 2018. Mr. O'Shaughnessy served as an Executive 
Vice President, Chief Accounting Officer and Corporate Controller of Axis Capital Holdings Limited up to March 26, 2019. 
Prior to that Mr. O'Shaughnessy has amongst others served as Chief Financial Officer of Flagstone Reinsurance Holdings and 
as Chief Accounting Officer and Senior Vice President of Scottish Re Group Ltd., and Chief Financial Officer of XL Re Ltd. at 
XL Group plc. Mr. O'Shaughnessy received a Bachelor of Commerce degree from University College, Cork, Ireland and is both 
a Fellow of the Institute of Chartered Accountants of Ireland and an Associate Member of the Chartered Insurance Institute of 
the UK. Mr. O'Shaughnessy earned a Master's Degree in Accounting from University College Dublin. Mr. O'Shaughnessy also 
serves as a director of Frontline, Golden Ocean, Archer Limited and Avance Gas. 

Kathrine Astrup Fredriksen has been a Director of the Company since February 2020. Ms. Fredriksen has served as a board 
member of Norwegian Property ASA since 2016 and Axactor SE since April 2020. Ms. Fredriksen is currently employed by 
Seatankers  Services  (UK)  LLP  and  she  has  previously  been  on  the  boards  of  Seadrill,  Golar  LNG,  Frontline  and  Deep  Sea 
Supply. Ms. Fredriksen was educated at the European Business School in London.

Gary Vogel has served as a Director of the Company since December 2016. Mr. Vogel is the Chief Executive Officer and a 
director of Eagle Bulk Shipping Inc (NASDAQ: EGLE), a U.S. listed owner and operator of dry bulk vessels. He has worked 
extensively both in the dry bulk market and capital markets, and was previously the Chief Executive Officer of Clipper Group 
in Denmark. 

Keesjan Cordia has been a Director of the Company since September 2018. Mr. Cordia is a private investor with a background 
in  Economics  and  Business  Administration.  Mr.  Cordia  holds  several  board  and  advisory  board  positions  in  the  Oil  &  Gas 
Industry, among which: board member of Workships group B.V (2006), board member of Combifloat B.V (2013) and board 
member of Kerrco Inc (2017). He recently became Chairman of the board of Oceanteam ASA (April 2018). From 2006-2014 
he  was  CEO  at  Seafox  (Offshore  Services).  Mr.  Cordia  is  founder  and  Managing  Partner  of  Invaco  Management  B.V.,  an 
investment  firm  based  in  Amsterdam.  He  is  also  an  advisor  to  Parcom  Capital  and  member  of  the  investor  committee  of 
Connected Capital, both private equity firms. Mr. Cordia also serves as a director of Northern Drilling Ltd.

Ole B. Hjertaker has been a Director of the Company since October 2019. Mr. Hjertaker has served as Chief Executive Officer 
of  SFL  Management  AS  since  July  2009,  prior  to  which  he  served  as  Chief  Financial  Officer  from  September  2006.  Mr. 
Hjertaker also served as Interim Chief Financial Officer of SFL Management AS between July 2009 and January 2011. Prior to 
joining  SFL, Mr. Hjertaker was employed in the Corporate Finance division of DNB NOR Markets, a leading shipping and 
offshore  bank.  Mr.  Hjertaker  has  extensive  corporate  and  investment  banking  experience,  mainly  within  the  maritime/
transportation  industries,  and  holds  a  Master  of  Science  degree  from  the  Norwegian  School  of  Economics  and  Business 
Administration. Mr. Hjertaker also serves as a director of NorAm Drilling Company AS.

95

 
Aksel  C.  Olesen  has  been  the  Chief  Financial  Officer  of  SFL  Management  AS  since  January  2019.  Prior  to  joining  SFL 
Management AS, he spent 12 years at Pareto Securities where he worked in various positions in the firm’s investment banking 
division, including as Head of Investment Banking Asia in Singapore from 2011 to 2014 and most recent as Head of Shipping 
and Offshore Project Finance. Mr. Olesen started his career working for the shipping company Kristian Jebsens Rederi as part 
of the legal, business development and finance team. Mr. Olesen holds a Masters of Law degree from the University of Bergen.  

B. COMPENSATION

During the year ended December 31, 2020, we paid to our directors and officers aggregate cash compensation of $2.1 million, 
including an aggregate amount of $0.05 million for pension and retirement benefits. We reimburse directors for reasonable out 
of pocket expenses incurred by them in connection with their service to us. In addition to cash compensation, during 2020 we 
also recognized a net expense of $0.5 million relating to directors' and officers' stock options.

C. BOARD PRACTICES

In  accordance  with  our  Bye-laws,  the  number  of  directors  shall  be  such  number  not  less  than  two  as  we  may  by  Ordinary 
Resolution determine from time to time, and each director shall hold office until the next annual general meeting following his 
election or until his successor is elected. We currently have five directors.

We currently have an Audit Committee, which is responsible for overseeing the quality and integrity of our financial statements 
and  our  accounting,  auditing  and  financial  reporting  practices,  our  compliance  with  legal  and  regulatory  requirements,  the 
independent auditor's qualifications, independence and performance, and our internal audit function. James O'Shaughnessy is 
the Chairperson of the Audit Committee and the Audit Committee Financial Expert. 

We currently have a Compensation Committee, which is responsible for establishing and reviewing the executive officers' and 
managements'  compensation  and  benefits.  Gary  Vogel  and  James  O'Shaughnessy  are  members  of  the  Compensation 
Committee.

As  a  foreign  private  issuer,  we  are  exempt  from  certain  requirements  of  the  NYSE  that  are  applicable  to  U.S.  listed 
companies. For a listing and further discussion of how our corporate governance practices differ from those required of U.S. 
companies  listed  on  the  NYSE,  please  see  Item  16G  or  visit  the  corporate  governance  section  of  our  website  at 
www.sflcorp.com. 

Our officers are elected by our Board of Directors immediately following each Annual General Meeting and shall hold office 
for such period and on such terms as the Board of Directors may determine.

There are no service contracts between us and any of our directors providing for benefits upon termination of their employment 
or service as a director.

D. EMPLOYEES

We  currently  employ  14  persons  on  a  full-time  basis  through  our  subsidiaries  SFL  Management  AS  and  Ship  Finance 
Management (UK) Limited, and during the year ended December 31, 2020, employed 14 persons on a full-time basis. We have 
contracted  with  Frontline  Management,  Golden  Ocean  Management  and  other  third  parties  for  certain  managerial 
responsibilities for our fleet, with Frontline Management for certain administrative services, including corporate services, and 
with Seatankers for certain advisory and support services.

96

 
 
E. SHARE OWNERSHIP

The beneficial interests of our Directors and officers in our common shares as of March 22, 2021, are as follows:

Director or Officer

James O'Shaughnessy
Kathrine Astrup Fredriksen

Gary Vogel

Keesjan Cordia

Ole B. Hjertaker

Aksel C. Olesen

*    Less than one percent.

Beneficial 
interest in 
Common 
Shares of
$0.01 each

Additional interest 
in options to
acquire Common 
Shares
which have vested

Percentage of
Common 
Shares
Outstanding

— 

**  

— 

— 

91,840 

— 

24,999 

— 

24,999 

24,999 

188,333 

83,333 

*

*

*

*

*

*

**  Ms.  Kathrine  Fredriksen  does  not  directly  own  any  of  our  common  shares.  Hemen,  our  major  shareholder,  is  indirectly 
controlled by trusts established by Mr. John Fredriksen for the benefit of his immediate family, including Ms. Fredriksen. These 
trusts are discretionary and the discretionary beneficiaries, including Ms. Fredriksen, can only potentially benefit if the trustee 
exercises  its  powers.  As  such,  Ms.  Fredriksen  has  no  absolute  entitlement  to  the  trust  assets  and  thus  disclaims  beneficial 
ownership of the 25,728,687 shares of our common stock owned by Hemen, except to the extent of her voting and dispositive 
interests  in  such  shares  of  common  stock  (if  any).  Ms.  Fredriksen  has  no  pecuniary  interest  in  such  shares  except  as  a 
discretionary beneficiary of the trusts referenced above.

Share Option Scheme

In  November  2016,  our  Board  of  Directors  renewed  the  SFL  Corporation  Ltd.  Share  Option  Scheme  originally  approved  in 
November 2006.  Following the renewal in November 2016, the scheme will expire in November 2026. The subscription price 
for all options granted under the scheme will be reduced by the amount of all dividends per share declared by us in the period 
from the date of grant until the date the options are exercised. 

In  September  2017,  113,000  options  were  awarded  to  employees  and  officers  pursuant  to  our  Share  Option  Scheme.  The 
options vest over a three year period and have a five year term. The initial exercise price was $14.30 per share and the first 
options will be exercisable from September 2018.

In April 2018, 83,000 options were awarded to employees and officers pursuant to our Share Option Scheme. The options vest 
over a three year period and have a five year term. The initial exercise price was $14.67 per share and the first options will be 
exercisable from April 2019.

In January 2019, 100,000 options were awarded to one officer pursuant to our Share Option Scheme. The options vest over a 
three  year  period  and  have  a  five  year  term.  The  initial  exercise  price  was  $11.50  per  share  and  the  first  options  will  be 
exercisable from January 2020.

In March 2019, 425,000 options were awarded to employees, officers and Directors pursuant to our Share Option Scheme. The 
options vest over a three year period and have a five year term. The initial exercise price was $12.35 per share and the first 
options will be exercisable from March 2020.

In February 2020, 350,000 options were awarded to employees, officers and Directors pursuant to our Share Option Scheme. 
The options vest over a three year period and have a five year term. The initial exercise price was $13.45 per share and the first 
options will be exercisable from February 2021.

97

 
 
 
 
 
 
 
 
 
 
 
 
 
Details of options to acquire our common shares by our Directors and officers as of March 22, 2021, were as follows:

Director or Officer

James O'Shaughnessy

James O'Shaughnessy

Gary Vogel

Gary Vogel

Keesjan Cordia

Keesjan Cordia

Ole B. Hjertaker

Ole B. Hjertaker

Ole B. Hjertaker

Ole B. Hjertaker

Aksel C. Olesen

Aksel C. Olesen

Number of options

Total

Vested

Exercise 
price

Expiration Date

25,000 

25,000 

25,000 

25,000 

25,000 

25,000 

40,000 

30,000 

150,000 

85,000 

100,000 

50,000 

16,666  $ 

8,333  $ 

16,666  $ 

8,333  $ 

16,666  $ 

8,333  $ 

10.15 

12.30 

10.15 

12.30 

10.15 

12.30 

March 2024

February 2025

March 2024

February 2025

March 2024

February 2025

40,000  $ 

10.00  September 2022

20,000  $ 

100,000  $ 

28,333  $ 

66,666  $ 

11.07 

10.15 

12.30 

8.95 

April 2023

March 2024

February 2025

January 2024

16,667  $ 

12.30 

February 2025

ITEM 7.  MAJOR SHAREHOLDERS AND RELATED PARTY TRANSACTIONS

A. MAJOR SHAREHOLDERS

The following table presents certain information as at March 17, 2021, regarding the ownership of our Common Shares with 
respect to each shareholder whom we know to beneficially own five percent or more of our outstanding Common Shares.

Hemen Holding Limited (1)

The Bank of New York Mellon Corporation (2)

Owner

Number of 
Common Shares

Percent of 
Common Shares

25,728,687 

6,497,938 

20.1%

5.1%

(1) According  to  the  Schedule  13D/A  filed  with  the  SEC  on  November  16,  2018,  Hemen  Holding  Limited  ("Hemen")  is  a 
Cyprus  holding  company,  indirectly  controlled  by  trusts  established  by  Mr.  John  Fredriksen  for  the  benefit  of  his 
immediate family. Mr. Fredriksen disclaims beneficial ownership of the 25,728,687 shares of our common stock, except to 
the  extent  of  his  voting  and  dispositive  interests  in  such  shares  of  common  stock  and  Mr.  Fredriksen  has  no  pecuniary 
interest in such shares. 

(2) According to the Schedule 13G/A filed with the SEC on February 1, 2021, The Bank of New York Mellon Corporation 

holds 6,497,938 shares of our common stock.

A  total  of  128,125,075  common  shares  were  outstanding  as  of  March  17,  2021.  In  calculating  the  above  percentages  of 
common shares held by Hemen we have included 8,000,000 shares issued as part of a share lending arrangement relating to the 
October  2016  issue  of  5.75%  convertible  notes  and  3,765,842  shares  issued  in  December  2018  as  part  of  a  share  lending 
arranging relating to the 4.875% convertible notes. These shares will be returned to us on or before the maturity of the bonds in 
2021 and 2023 respectively.

Our major shareholders have the same voting rights as our other shareholders.

As at March 17, 2021, we had 351 holders of record in the United States, including Cede & Co., which is the Depository Trust 
Company’s nominee for holding shares on behalf of brokerage firms, as a single holder of record.

We are not aware of any arrangements, the operation of which may at a subsequent date result in a change in control.

98

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
B. RELATED PARTY TRANSACTIONS

The Company, which was formed in 2003 as a wholly-owned subsidiary of Frontline, was partially spun-off in 2004 and its 
shares  commenced  trading  on  the  NYSE  in  June  2004.  A  large  part  of  our  business  continues  to  be  transacted  through 
contractual  relationships  between  us  and  the  following  related  parties,  being  companies  in  which  Hemen  and  companies 
associated with Hemen have, or had, a significant direct or indirect interest:

- 

- 

- 

- 

- 

- 

- 

- 

- 

Frontline

Frontline Shipping 

Seadrill

Golden Ocean

Seatankers Management Co. Ltd. ("Seatankers")

NorAm Drilling

Golden Close Corp. Ltd. ("Golden Close")

Sterna Finance Ltd ("Sterna Finance")

ADS Maritime Holding Plc, formerly known as ADS Crude Carriers Plc ("ADS Maritime Holding")

-  

River Box Holding Limited ("River Box")

As of March 22, 2021, we chartered two vessels to Frontline Shipping under long-term direct financing leases, most of which 
were given economic effect from January 1, 2004. At December 31, 2020, the balance of net investments in direct financing 
leases to Frontline Shipping was $76.1 million before credit loss provision (2019: $111.5 million) of which $6.3 million (2019: 
$8.3 million) represented short-term maturities. 

Frontline  Shipping  is  a  wholly  owned  subsidiary  of  Frontline,  but  the  performance  under  the  leases  is  not  guaranteed  by 
Frontline. Frontline Shipping can only make distributions to its parent company if it can demonstrate it will have free cash of 
minimum of $2 million per vessel both prior to and following (i) such distribution, (ii) the payment of the next hire due and any 
profit  share  accrued  under  the  charters  and  (iii)  the  note  issued  to  us  must  be  fully  repaid.  Due  to  the  volatile  nature  of  the 
tanker market, there is a risk that Frontline Shipping may not have sufficient funds to pay the agreed charter hires. However, the 
performance under the fixed price management agreements with Frontline Management whereby we pay management fees of 
$9,000 per day for each vessel to cover all operating costs including drydocking costs, are guaranteed by Frontline.

As compensation for amendments entered into in June 2015, we received 55 million ordinary shares in Frontline, the fair value 
of  which  amounted  to  $150.2  million  on  the  date  of  receipt.  Following  the  amendments,  from  July  1,  2015,  the  leases  were 
revised to reflect the compensation payment received and the reduction in future minimum lease payments to be received. In 
February  2016,  Frontline  enacted  a  1-for-5  reverse  stock  split,  and  after  the  stock  split  we  held  11  million  ordinary  shares. 
During the year ended December 31, 2020 we sold approximately 2.0 million shares (2019: 7.6 million shares) and our holding 
of  Frontline  now  consists  of  approximately  1.4  million  shares.  In  the  year  ended  December  31,  2020,  we  received  dividend 
income totaling $3.1 million (2019: $0.3 million) on these shares. 

During  2019,  we  agreed  to  install  scrubbers  on  the  two  vessels  on  charter  to  Frontline  Shipping  and  incurred  costs  of  $4.2 
million which represents a 50% share of joint costs with Frontline Shipping. Profits sharing arrangements were not changed.

Amendments to the charter agreements made in June 2015, increased the profit sharing percentage to 50% for earnings above 
the new time-charter rates with effect from July 1, 2015. Following the amendments, the profit share is calculated and payable 
on a quarterly basis. We earned $18.6 million under the 50% profit sharing agreement in 2020 (2019: $4.8 million; 2018: $1.5 
million).  

As of March 22, 2021, we chartered one (2019: two) of our ultra deepwater drilling units to one of the Seadrill Charterers under 
a long-term direct financing lease. This drilling rig is being owned by an equity-accounted subsidiary. At December 31, 2020, 
the  balance  of  net  investments  in  direct  financing  leases  to  the  two  Seadrill  Charterers  was  $271.6  million  (2019:  $592.7 
million), of which $16.5 million (2019: $32.9 million) represents short-term maturities. 

99

 
In  2015,  we  took  delivery  of  eight  Capesize  dry  bulk  carriers  from  subsidiaries  of  Golden  Ocean  for  a  total  cost  of  $272.0 
million. The vessels were immediately chartered back to a subsidiary of Golden Ocean on ten year time charters, at base charter 
rates  of  $17,600  per  day  for  the  first  seven  years  and  $14,900  per  day  thereafter.  The  charters  also  included  an  interest 
adjustment  clause,  whereby  the  base  charter  rates  are  adjusted  based  on  the  actual  LIBOR  compared  to  a  base  LIBOR.  The 
performance under the charters is fully guaranteed by Golden Ocean. We will also receive a 33% profit share of revenues above 
the interest adjusted base charter rates, calculated and payable on a quarterly basis. In December 2019, amendments were made 
to seven of the charters, we agreed to finance an exhaust gas cleaning system ("scrubbers") on seven vessels with an amount of 
up to $2.5 million per vessel, subject to an increase in the base charter rate of $1,535 per day from 1 January 2020 until 30 June 
2025. In the event that the cost of the installation is below or exceeds $2.5 million per vessel, such cost will be for the benefit of 
Golden Ocean. 

In the year ended December 31, 2020, we earned $0.04 million income under this arrangement (2019: $0.8 million; 2018: $0.2 
million). The charters for these vessels are classified as operating leases and at December 31, 2020, the net book value of these 
vessels was $200.5 million (2019: $201.7 million). The amendment to charters on seven of the vessels in 2019 did not amend 
the original lease classification.

We pay Frontline Management a management fee of $9,000 per day per vessel for all vessels chartered to Frontline Shipping, 
apart from certain vessels where the fee is suspended while they are sub-chartered on a bareboat basis. This daily fee has been 
payable since July 1, 2015, when amendments to the charter agreement became effective, before which the fixed daily fee was 
$6,500 per day. As of March 22, 2021, we also have 16 container vessels, 14 dry bulk carriers, two Suezmax tankers, two car 
carriers  and  two  product  tankers  operating  on  time  charter  or  in  the  spot  market,  for  which  the  supervision  of  the  technical 
management  is  sub-contracted  to  Frontline  Management.  In  the  year  ended  December  31,  2020,  management  fees  paid  to 
Frontline  Management  amounted  to  $8.9  million  (2019:  $11.8  million;  2018:  $24.0  million).  The  management  fees  are 
classified as vessel operating expenses. 

We  pay  Golden  Ocean  Management  a  management  fee  of  $7,000  per  day  per  vessel  for  the  eight  vessels  chartered  to  a 
subsidiary of Golden Ocean. As of March 22, 2021, we also have 16 container vessels and 14 dry bulk carriers operating on 
time charter or in the spot market, for which part of the operating management is sub-contracted to Golden Ocean Management. 
In the year ended December 31, 2020, total management fees paid to Golden Ocean Management amounted to approximately 
$21.4 million (2019: $21.3 million; 2018: $21.2 million). 

In  2018,  we  received  a  termination  fee  of  $8.9  million  (with  a  fair  value  of  $4.4  million)  in  the  form  of  a  loan  note  from 
Frontline  Shipping  for  the  early  termination  of  the  Front  Circassia  lease  and  loan  notes  from  Frontline  for  $3.4  million  per 
vessel were received as compensation for early termination of the charters Front Page, Front Stratus, Front Serenade and Front 
Ariake. The loans notes were settled in February 2020. In the year ended December 31, 2020 we earned total interest on the 
loan notes from Frontline and Frontline Shipping in the amount of approximately $0.2 million (2019: $1.6 million; 2018: $0.9 
million).

In  February  2020,  we  delivered  the  2002-built  VLCC  Front  Hakata  to  an  unrelated  third  party  for  sale  proceeds  of  $33.5 
million.  Furthermore,  we  agreed  with  Frontline  Shipping  Limited  (“FSL”),  to  terminate  the  long-term  charter  for  the  vessel 
upon the sale and delivery and paid $3.2 million compensation to FSL for early termination of the charter. The loan notes for 
the Front Circassia, Front Page, Front Stratus, Front Serenade and Front Ariake sold in 2018 were settled in February 2020. 
We received $19.9 million as settlement and recognized a gain of $4.4 million in the first quarter of 2020. 

In  May  2018,  four  of  our  wholly-owned  subsidiaries  entered  into  a  $320.0  million  unsecured  loan  facility  provided  by  an 
affiliate of Hemen, Sterna Finance. The unsecured intermediary loan facility was entered into to partly fund the acquisition of 
four 13,800 TEU container vessels acquired in May 2018. We had provided a corporate guarantee for this loan facility, which 
had a fixed interest rate, was non-amortizing and had a term of 13 months from the drawdown date of the loan. Interest expense 
incurred on the loan in the year ended December 31, 2020 was $0.0 million. (2019: $0.0 million; 2018: $6.4 million). The loan 
balance was prepaid in full in November 2018.

100

In August 2018, we acquired approximately 4.0 million shares in ADS Maritime Holding, a newly formed company trading on 
the Oslo Merkur Market. The shares were purchased for $10.0 million, and have a fair value of $8.9 million at December 31, 
2020. These shares, on which dividend income was received in the year ended December 31, 2020 of $2.9 million (2019: $0.3 
million;  2018:  $0.0  million),  represent  approximately  17%  of  the  outstanding  shares.  In  December  2019,  we  signed  a  $7.5 
million senior unsecured revolving credit facility agreement with ADS Maritime Holding, as ‘Borrower’ whereby SFL would 
provide  $5  million  of  the  unsecured  facility  or  approximately  67%.  The  facility  was  available  for  12  months  and  carried  an 
interest rate and a commitment fee on the undrawn available balance of the facility. We received an upfront fee of $50,000 in 
respect  of  this  contract  in  the  year  ended  December  31,  2019.    In  March  2021,  the  Company  received  a  capital  dividend  of 
approximately $8.8 million from ADS Maritime Holding following the sale of its remaining two vessels. Also in March 2021, 
the Company sold its remaining shares in ADS Maritime Holding for a consideration of approximately $0.8 million. 

In November 2016, we acquired approximately 12 million shares in NorAm Drilling for a consideration of approximately $0.7 
million. In November 2018 NorAm undertook a share consolidation of 20:1, resulting in a revised investment of 0.6 million 
shares.  On  the  same  day  NorAm  participated  in  a  rights  issue,  increasing  our  investment  in  shares  by  0.6  million  shares.  In 
December 2018, we acquired an additional 41,756 shares bringing the total investment in NorAm to 1.3 million shares with a 
fair value of $3.9 million. This investment, on which dividend income was received in the year ended December 31, 2020, of 
$0.0 million (2019: $0.0 million; 2018: $0.0 million), is included in "Investments in Debt and Equity Securities" (Note 11).

We also hold within "Investments in Debt and Equity Securities" senior secured corporate bonds in NorAm Drilling due 2021. 
During 2018, we redeemed a total of 0.5 million units at par value and recorded no gain or loss on redemption. In 2019, we 
partially  disposed  of  the  investment  in  NorAm  Drilling  securities  at  par  value  of  $0.3  million.  Interest  amounting  to  $0.4 
million was earned in the year ended December 31, 2020 (2019: $0.5 million; 2018: $0.5 million).

During 2018, Golden Close initiated liquidation proceedings. As a result of this, we received total proceeds of $45.6 million in 
settlement of its total investment, resulting in an overall net gain of $13.5 million. We earned interest income on the Golden 
Close notes up to the date of redemption of $0.0 million in the year ended December 31, 2020 (2019: $0.0 million; 2018: $0.2 
million). As at December 31, 2020, the net investment in Golden Close debt and equity securities is $0.0 million (2019: $0.0 
million).

River  Box  was  a  previously  wholly-owned  subsidiary  of  SFL.  It  holds  investments  in  direct  financing  leases,  through  its 
subsidiaries,  related  to  the  19,200  and  19,400  TEU  containerships  MSC  Anna,  MSC  Viviana,  MSC  Erica  and  MSC  Reef.  On 
December 31, 2020, we sold 50.1% of the shares of River Box to a subsidiary of Hemen, a related party. Net proceeds of $17.5 
million were received for the shares, resulting in a net gain of $1.9 million on the sale. SFL has accounted for the remaining 
49.9% ownership in River Box using the equity method (Refer to Note 17: Investment in associated companies).

101

  
SFL  Deepwater,  SFL  Hercules  and  SFL  Linus  each  own  the  drilling  units  West  Taurus,  West  Hercules  and  West  Linus 
respectively. These units are leased to subsidiaries of Seadrill, a related party. Because the main assets of SFL Deepwater, SFL 
Hercules and SFL Linus are the subject of leases which each include both fixed price call options and a fixed price purchase 
obligation  or  put  option,  they  were  previously  determined  to  be  variable  interest  entities  in  which  SFL  was  not  the  primary 
beneficiary  and  therefore  were  all  previously  accounted  for  as  investments  in  associated  companies  (Refer  to  Note  17: 
Investment  in  associated  companies).    During  the  year  ended  December  31,  2020,  Seadrill  publicly  disclosed  that  they  had 
appointed  financial  and  legal  advisors  to  evaluate  comprehensive  restructuring  alternatives  to  reduce  debt  service  costs  and 
overall indebtedness. In September and October 2020, Seadrill failed to pay hire when due under the leases for the three drilling 
unit.  The  overdue  hires  along  with  certain  other  events,  constituted  an  event  of  default  under  such  leases  and  the  related 
financing agreements. Under the terms of the leases, charter payment from the sub-charterers of West Hercules and West Linus, 
were  paid  into  accounts  pledged  to  SFL  and  its  financing  banks.  During  November  and  December  2020,  Seadrill  and  SFL 
entered  into  forbearance  and  funds  withdrawal  agreements  during  which  Seadrill  was  allowed  to  use  certain  funds  received 
from the sub-charterers to pay operating expenses for the rigs in exchange for the Company being paid approximately 65 -75% 
of the existing contracted lease hire related to the West Hercules and the West Linus. Any hire received by Seadrill relating to 
the sub-charters on these two rigs in excess of the withdrawn amounts remained in Seadrill’s earnings accounts pledged to SFL 
In February 2021, Seadrill announced that it had filed for Chapter 11. See Note 29: Subsequent Events). In October 2020, SFL 
was determined to be the primary beneficiary of SFL Linus and SFL Deepwater following changes to the financing agreements 
as a result of defaults by Seadrill. Therefore, we consolidated these subsidiaries from October 2020. 

SFL  Hercules  is  a  wholly-owned  subsidiary,  which  continues  to  be  accounted  for  using  the  equity  method.  SFL  has  granted 
$45.0 million and $145.0 million loans to River Box and SFL Hercules respectively. The loans are fixed interest rate loans and 
are repayable in full on November 16, 2033 and October 1, 2023, respectively, or earlier if the companies sell their assets. The 
outstanding loan balances as at December 31, 2020, were $45 million and $78.9 million for River Box and SFL Hercules. SFL 
is entitled to take excess cash from SFL Hercules, and such amount is recorded within its current account with SFL. The loan 
agreement specifies that the balance on the current account will have no interest applied and will be settled via a net off against 
the eventual repayments of the fixed interest loan.  

SFL  Deepwater  and  SFL  Linus  are  also  wholly-owned  subsidiaries  of  SFL  that  were  accounted  for  using  the  equity  method 
until October 2020 and have loans with SFL which have now been consolidated.  

In the year ended December 31, 2020, we received interest income on these loans of $0.0 million from River Box (2019: $0.0 
million; 2018: $0.0 million), $3.6 million from SFL Hercules (2019: $3.6 million; 2018: $3.6 million), $3.8 million from SFL 
Deepwater (2019: $5.1 million; 2018: $5.1 million), and $4.5 million from SFL Linus (2019: $5.4 million, 2018: $5.4 million) 
totaling $11.9 million. As at December 31, 2020, the bank borrowings of SFL Hercules amounted to $185.8 million and we 
guaranteed  $83.1  million  of  this  debt  which  is  secured  by  first  priority  mortgage  over  the  drilling  unit.  In  addition,  we  have 
assigned all claims we may have under secured loan granted by us to SFL Hercules, in favor of the lender under the respective 
credit facility.

C. INTERESTS OF EXPERTS AND COUNSEL

The  consolidated  financial  statements  of  SFL  Corporation  Ltd.  (formerly  Ship  Finance  International  Limited)  (“SFL”  or  the 
“Company”) and its subsidiaries, consist of consolidated balance sheets as of December 31, 2020 and December 31, 2019,  and 
the  results  of  their  operations  and  their  cash  flows  for  each  of  the  years  in  the  three-year  period  ended  December  31,  2020, 
which  have  been  audited  by  MSPC,  Certified  Public  Accountants  and  Advisors,  PC  ("MSPC"),  an  independent  registered 
public accounting firm, in conformity with accounting principles generally accepted in the United States of America. 

As part of the above audits MSPC had used employees of other accounting firms to participate in its audit of the Company in 
accordance with PCAOB AS 1201. Such personnel were from Moore Stephens LLP, the UK member firm of Moore Stephens 
International until February 4th 2019 and thereafter latterly BDO LLP (“BDO”), the UK member firm of BDO International.

In October 2019, during the annual independence evaluation procedures, BDO (and previously Moore Stephens LLP) identified 
a  non-audit  service  provided  in  fiscal  years  2018  and  2019  to  Ship  Finance  Management  (UK)  Limited,  an  immaterial  UK 
subsidiary  of  the  Company  that  is  not  permissible  under  SEC  independence  rules.  The  services  were  performed  by  different 
BDO employees to those that participated in the MSPC audit of the Company. BDO, previously Moore Stephens LLP ceased to 
provide these services prior to December 31, 2019. The fees for the services to both Moore Stephens LLP and latterly BDO 
were less than 1% of the total annual audit fee to MSPC and the UK subsidiary’s assets and income were less than 0.5% of the 
total consolidated asset and net income of the Company in each of the above respective periods. 

102

MSPC  considered  whether  the  matter  noted  above  impacted  its  objectivity  and  ability  to  exercise  impartial  judgment  with 
regard  to  its  engagement  as  our  auditors  and  have  concluded  that  there  has  been  no  impairment  of  MSPC’s  objectivity  and 
ability to exercise impartial judgment on all matters encompassed within its audits. After taking into consideration the facts and 
circumstances of the above matter and MSPC’s determination, our Board of Directors also concluded that MSPC’s objectivity 
and  ability  to  exercise  impartial  judgment  has  not  been  impaired  during  any  of  the  years  in  the  three-year  period  ended 
December 31, 2020. 

ITEM 8. 

FINANCIAL INFORMATION

A. CONSOLIDATED STATEMENTS AND OTHER FINANCIAL INFORMATION

See Item 18.

Legal Proceedings

We  and  our  ship-owning  subsidiaries  are  routinely  party,  as  plaintiff  or  defendant,  to  claims  and  lawsuits  in  various 
jurisdictions  for  demurrage,  damages,  off-hire  and  other  claims  and  commercial  disputes  arising  from  the  operation  of  their 
vessels, in the ordinary course of business or in connection with acquisition activities. We believe that resolution of such claims 
will not have a material adverse effect on our operations or financial conditions.

Dividend Policy

Our Board of Directors adopted a policy in May 2004 in connection with our public listing, whereby we seek to pay a regular 
quarterly dividend, the amount of which is based on our contracted revenues and growth prospects. Our goal is to increase our 
quarterly  dividend  as  we  grow  the  business,  but  the  timing  and  amount  of  dividends,  if  any,  is  at  the  sole  discretion  of  our 
Board of Directors and will depend upon our operating results, financial condition, cash requirements, restrictions in terms of 
financing arrangements and other relevant factors. 

103

 
We have paid the following cash dividends in 2016, 2017, 2018, 2019 and 2020:

Payment Date

2016

March 30, 2016

June 29, 2016

September 29, 2016

December 29, 2016

2017

March 30, 2017

June 30, 2017

September 29, 2017

December 29, 2017

2018

March 27, 2018

June 29, 2018

September 27, 2018

December 28, 2018

2019

March 29, 2019

June 28, 2019

September 23, 2019

December 27, 2019

2020

March 25, 2020

June 30, 2020

September 30, 2020

December 30, 2020

  Amount per 
Share

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

0.45 

0.45 

0.45 

0.45 

0.45 

0.45 

0.35 

0.35 

0.35 

0.35 

0.35 

0.35 

0.35 

0.35 

0.35 

0.35 

0.35 

0.25 

0.25 

0.15 

On February 17, 2021, our Board of Directors declared a dividend of $0.15 per share which will be paid in cash on or around 
March 30, 2021.

B. SIGNIFICANT CHANGES

None.

104

 
ITEM 9. 

THE OFFER AND LISTING

Not applicable except for Item 9.A.4. and Item 9.C.

Our common shares were listed on the NYSE on June 14, 2004, and commenced trading on that date under the symbol "SFL".

105

 
ITEM 10.  ADDITIONAL INFORMATION

A. SHARE CAPITAL

Not Applicable.

B. MEMORANDUM AND ARTICLES OF ASSOCIATION

Our  Memorandum  of  Association  has  previously  been  filed  as  Exhibit  3.1  to  our  Registration  Statement  on  Form  F-4 
(Registration No. 333-115705) filed with the SEC on May 25, 2004, and is hereby incorporated by reference into this Annual 
Report.

At  our  2013  Annual  General  Meeting  the  shareholders  voted  to  amend  our  Bye-laws,  principally  those  governing  General 
Meetings,  proceedings  of  the  Board  of  Directors  and  delegation  of  its  powers.  Our  amended  Bye-laws  as  adopted  by 
shareholders on September 20, 2013, have previously been filed as Exhibit 1.3 to our annual report on Form 20-F for the year 
ended December 31, 2014, filed with the SEC on April 9, 2015 and are hereby incorporated by reference to this Annual Report.

At  our  2016  Annual  General  Meeting  the  shareholders  voted  to  amend  our  Bye-laws  to  change  the  quorum  requirement  for 
General Meetings to two Members present in person or by proxy and entitled to vote (whatever the number of shares held by 
them). Our amended Bye-laws as adopted by shareholders on September 23, 2016, have previously been filed as Exhibit 1 to 
our report on Form 6-K, filed with the SEC on September 29, 2016, and are hereby incorporated by reference to this Annual 
Report.

At  our  2016  Annual  General  Meeting  the  shareholders  approved  the  reorganization  of  our  share  capital,  which  resulted  in  a 
reduction of the par value of our common shares from $1.00 to $0.01 and an increase in the number of authorized shares from 
125,000,000 to 150,000,000.

At  our  2018  Annual  General  Meeting,  the  shareholders  approved  the  increase  of  our  authorized  share  capital  from 
US$1,500,000 divided into 150,000,000 common shares of US$0.01 par value each to US$2,000,000 divided into 200,000,000 
common shares of US$0.01 par value each by the authorization of an additional 50,000,000 common shares of US$0.01 par 
value each.

On  May  1,  2020,  SFL  filed  a  registration  statement  to  register  the  sale  of  up  to  10,000,000  Common  Shares  pursuant  to  the 
dividend reinvestment plan, or DRIP to facilitate investments by individual and institutional shareholders who wish to invest 
dividend payments received on shares owned or other cash amounts, in the Company's Common Shares on a regular basis, one 
time basis or otherwise. If certain waiver provisions in the DRIP are requested and granted pursuant to the terms of the plan, 
SFL may grant additional share sales to investors from time to time up to the amount registered under the plan.

At the Annual General Meeting of the Company held in August 2020, a resolution was passed to approve an increase of the 
Company’s  authorized  share  capital  from  $2,000,000  equivalent  to  200,000,000  common  shares  of  $0.01  par  value  each  to 
$3,000,000 equivalent to 300,000,000 common shares of $0.01 par value each by the authorization of an additional 100,000,000 
common shares of $0.01 par value each.

Our purposes and powers are set forth in Items 6(1) and 7(a) through (h) of our Memorandum of Association and in the Second 
Schedule of the Bermuda Companies Act of 1981, which is attached as an exhibit to our Memorandum of Association.  These 
purposes include exploring, drilling, moving, transporting and refining petroleum and hydro-carbon products, including oil and 
oil products; the acquisition, ownership, chartering, selling, management and operation of ships and aircraft; the entering into of 
any guarantee, contract, indemnity or suretyship and to assure, support, secure, with or without the consideration or benefit, the 
performance of any obligations of any person or persons; and the borrowing and raising of money in any currency or currencies 
to secure or discharge any debt or obligation in any manner.

106

Bermuda  law  permits  the  Bye-laws  of  a  Bermuda  company  to  contain  provisions  excluding  personal  liability  of  a  director, 
alternate director, officer, member of a committee authorized under Bye-law 98, resident representative or their respective heirs, 
executors or administrators to us for any loss arising or liability attaching to him by virtue of any rule of law in respect of any 
negligence, default, breach of duty or breach of trust of which the officer or person may be guilty.  Bermuda law also grants 
companies  the  power  generally  to  indemnify  our  directors,  alternate  directors  and  officers  and  any  members  of  a  committee 
authorized under Bye-law 98, resident representatives or their respective heirs, executors or administrators if any such person 
was or is a party or threatened to be made a party to a threatened, pending or completed action, suit or proceeding by reason of 
the fact that he or she is or was a director, alternate director or officer of ours or member of a committee authorized under Bye-
law  98,  resident  representative  or  their  respective  heirs,  executors  or  administrators  or  was  serving  in  a  similar  capacity  for 
another entity at our request.

Our shareholders have no pre-emptive, subscription, redemption, conversion or sinking fund rights. Shareholders are entitled to 
one vote for each share held of record on all matters submitted to a vote of our shareholders. Shareholders have no cumulative 
voting rights. Shareholders are entitled to dividends if and when they are declared by our Board of Directors, subject to any 
preferred dividend right of holders of any preference shares. Directors to be elected by shareholder require a majority of votes 
cast at a meeting at which a quorum is present. For all other matters, unless a different majority is required by law or our Bye-
laws, resolutions to be approved by shareholders require approval by a majority of votes cast at a meeting at which a quorum is 
present.

Upon our liquidation, dissolution or winding up, shareholders will be entitled to receive, ratably, our net assets available after 
the  payment  of  all  our  debts  and  liabilities  and  any  preference  amount  owed  to  any  preference  shareholders.  The  rights  of 
shareholders, including the right to elect directors, are subject to the rights of any series of preference shares we may issue in 
the future.

Under our Bye-laws annual meetings of shareholders will be held each calendar year at a time and place selected by our Board 
of Directors (but never in the United Kingdom or Norway). Special meetings of shareholders may be called by our Board of 
Directors  at  any  time  and  must  be  called  at  the  request  of  shareholders  holding  at  least  10%  of  our  paid-up  share  capital 
carrying the right to vote at general meetings. Under our Bye-laws five days' notice of an annual meeting or any special meeting 
must be given to each shareholder entitled to vote at that meeting. Under Bermuda law accidental failure to give notice will not 
invalidate proceedings at a meeting. Our Board of Directors may set a record date at any time before or after any date on which 
such notice is dispatched.

Special rights attaching to any class of our shares may be altered or abrogated with the consent in writing of not less than 75% 
of the issued shares of that class or with the sanction of a resolution passed at a separate general meeting of the holders of such 
shares voting in person or by proxy.

Our Bye-laws do not prohibit a director from being a party to, or otherwise having an interest in, any transaction or arrangement 
with us or in which we are otherwise interested.  Our Bye-laws provide our Board of Directors the authority to exercise all of 
the powers of the Company to borrow money and to mortgage or charge all or any part of our property and assets as collateral 
security for any debt, liability or obligation.  Our directors are not required to retire because of their age, and our directors are 
not required to be holders of our common shares.  Directors serve for one year terms, and shall serve until re-elected or until 
their successors are appointed at the next annual general meeting.

Our  Bye-laws  provide  that  no  director,  alternate  director,  officer,  person  or  member  of  a  committee,  if  any,  resident 
representative, or his heirs, executors or administrators, which we refer to collectively as an indemnitee, is liable for the acts, 
receipts,  neglects,  or  defaults  of  any  other  such  person  or  any  person  involved  in  our  formation,  or  for  any  loss  or  expense 
incurred  by  us  through  the  insufficiency  or  deficiency  of  title  to  any  property  acquired  by  us,  or  for  the  insufficiency  or 
deficiency of any security in or upon which any of our monies shall be invested, or for any loss or damage arising from the 
bankruptcy, insolvency, or tortious act of any person with whom any monies, securities, or effects shall be deposited, or for any 
loss  occasioned  by  any  error  of  judgment,  omission,  default,  or  oversight  on  his  part,  or  for  any  other  loss,  damage  or 
misfortune  whatever  which  shall  happen  in  relation  to  the  execution  of  his  duties,  or  supposed  duties,  to  us  or  otherwise  in 
relation  thereto.    Each  indemnitee  will  be  indemnified  and  held  harmless  out  of  our  funds  to  the  fullest  extent  permitted  by 
Bermuda  law  against  all  liabilities,  loss,  damage  or  expense  (including  but  not  limited  to  liabilities  under  contract,  tort  and 
statute  or  any  applicable  foreign  law  or  regulation  and  all  reasonable  legal  and  other  costs  and  expenses  properly  payable) 
incurred or suffered by him as such director, alternate director, officer, person or committee member or resident representative 
(or in his reasonable belief that he is acting as any of the above).  In addition, each indemnitee shall be indemnified against all 
liabilities  incurred  in  defending  any  proceedings,  whether  civil  or  criminal,  in  which  judgment  is  given  in  such  indemnitee's 
favor,  or  in  which  he  is  acquitted.    We  are  authorized  to  purchase  insurance  to  cover  any  liability  he  may  incur  under  the 
indemnification provisions of our Bye-laws.

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C. MATERIAL CONTRACTS

We have not entered into any new material contracts since January 1, 2020, other than those entered in the ordinary course of 
business or already attached in the exhibits.

We also refer you to “Item 4. Information on the Company -A. History and Development of the Company,” “Item 5. Operating 
and Financial Review and Prospects -B. Liquidity and Capital Resources” and “Item 7. Major Shareholders and Related Party 
Transactions -B. Related Party Transactions” for a discussion of existing material agreements.

D. EXCHANGE CONTROLS

The Bermuda Monetary Authority, or the BMA, must give permission for all issuances and transfers of securities of a Bermuda 
exempted company like us. We have received a general permission from the BMA to issue any unissued common shares, and 
for the free transferability of the common shares as long as our common shares are listed on the NYSE. Our common shares 
may therefore be freely transferred among persons who are non-residents of Bermuda.

Although we are incorporated in Bermuda, we are classified as non-resident of Bermuda for exchange control purposes by the 
BMA. Other than transferring Bermuda Dollars out of Bermuda, there are no restrictions on our ability to transfer funds into 
and out of Bermuda or to pay dividends to U.S. residents who are holders of our common shares or other non-resident holders 
of our common shares in currency other than Bermuda Dollars.

E. TAXATION

U.S. Taxation

The following discussion is based upon the provisions of the U.S. Internal Revenue Code of 1986, as amended, or the Code, 
existing  and  proposed  U.S.  Treasury  Department  regulations,  or  the  Treasury  Regulations,  administrative  rulings  and 
pronouncements  and  judicial  decisions,  all  as  of  the  date  of  this  annual  report.  Unless  otherwise  noted,  references  to  the 
"Company" include the Company's Subsidiaries. This discussion assumes that we do not have an office or other fixed place of 
business in the United States.

Taxation of the Company's Shipping Income: In General

The Company anticipates that it will derive a significant portion of its gross income from the use and operation of vessels in 
international commerce and that this income will principally consist of freights from the transportation of cargoes, hire or lease 
from time or voyage charters and the performance of services directly related thereto, which the Company refers to as "shipping 
income."

Shipping income that is attributable to transportation that begins or ends, but that does not both begin and end, in the United 
States  will  be  considered  to  be  50%  derived  from  sources  within  the  United  States.  Shipping  income  attributable  to 
transportation that both begins and ends in the United States will be considered to be 100% derived from sources within the 
United States.  The Company is not permitted by law to engage in transportation that gives rise to 100% U.S. source income.

Shipping income attributable to transportation exclusively between non-U.S. ports will be considered to be 100% derived from 
sources outside the United States. Shipping income derived from sources outside the United States will not be subject to U.S. 
federal income tax.

Based upon the Company's anticipated shipping operations, the Company's vessels will operate in various parts of the world, 
including to or from U.S. ports. Unless exempt from U.S. federal income taxation under Section 883 of the Code, the Company 
will be subject to U.S. federal income taxation, in the manner discussed below, to the extent its shipping income is considered 
derived from sources within the United States.

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Application of Section 883 of the Code

Under  the  relevant  provisions  of  Section  883  of  the  Code,  or  Section  883,  the  Company  will  be  exempt  from  U.S.  federal 
income taxation on its U.S. source shipping income if:

(i)

It is organized in a "qualified foreign country," which is one that grants an equivalent exemption from tax to 
corporations  organized  in  the  United  States  in  respect  of  the  shipping  income  for  which  exemption  is  being 
claimed under Section 883, and which the Company refers to as the Country of Organization Requirement; and
(ii) It can satisfy any one of the following two stock ownership requirements for more than half the days during the 

•

taxable year:
the  Company's  stock  is  "primarily  and  regularly  traded  on  an  established  securities  market"  located  in  the 
United States or a "qualified foreign country," which the Company refers to as the Publicly-Traded Test; or
• more than 50% of the Company's stock, in terms of value, is beneficially owned by any combination of one or 
more  individuals  who  are  residents  of  a  "qualified  foreign  country"  or  foreign  corporations  that  satisfy  the 
Country of Organization Requirement and the Publicly-Traded Test, which the Company refers to as the 50% 
Ownership Test.

The  U.S.  Treasury  Department  has  recognized  Bermuda,  the  country  of  incorporation  of  the  Company  and  certain  of  its 
subsidiaries, as a "qualified foreign country." In addition, the U.S. Treasury Department has recognized Liberia, the Marshall 
Islands, Malta and Cyprus, the countries of incorporation of certain of the Company's vessel-owning subsidiaries, as "qualified 
foreign  countries."  Accordingly,  the  Company  and  its  vessel-owning  subsidiaries  satisfy  the  Country  of  Organization 
Requirement.

Therefore, the Company's eligibility to qualify for exemption under Section 883 is wholly dependent upon being able to satisfy 
one of the stock ownership requirements.

As discussed below, for the 2020 taxable year we believe the Company satisfied the Publicly-Traded Test, since on more than 
half the days in the taxable year we believe the Company's common shares were primarily and regularly traded on the NYSE, 
an established securities market in the United States.

As to the Publicly-Traded Test, the Treasury Regulations under Section 883 provide, in pertinent part, that stock of a foreign 
corporation will be considered to be "primarily traded" on an established securities market in a country if the number of shares 
of each class of stock that is traded during any taxable year on all established securities markets in that country exceeds the 
number of shares in each such class that is traded during that year on established securities markets in any other single country.

The Publicly-Traded Test also requires our common shares be "regularly traded" on an established securities market.  Under the 
Treasury Regulations, our common shares are considered to be "regularly traded" on an established securities market if shares 
representing more than 50% of our outstanding common shares, by both total combined voting power of all classes of stock 
entitled to vote and total value, are listed on the market, referred to as the "listing threshold." The Treasury Regulations further 
require that with respect to each class of stock relied upon to meet the listing threshold (i) such class of stock is traded on the 
market, other than in minimal quantities, on at least 60 days during the taxable year or 1/6 of the days in a short taxable year, 
which is referred to as the "trading frequency test", and (ii) the aggregate number of shares of such class of stock traded on such 
market during the taxable year is at least 10% of the average number of shares of such class of stock outstanding during such 
year (as appropriately adjusted in the case of a short taxable year), which is referred to as the "trading volume test." Even if we 
do not satisfy both the trading frequency and trading volume tests, the Treasury Regulations provide that the trading frequency 
and trading volume tests will be deemed satisfied if our common shares are traded on an established securities market in the 
United  States  and  such  stock  is  regularly  quoted  by  dealers  making  a  market  in  our  common  shares,  such  as  the  NYSE  on 
which our common shares are listed.

Notwithstanding the foregoing, our common shares will not be considered to be regularly traded on an established securities 
market for any taxable year in which 50% or more of the vote and value of the outstanding common shares are owned, actually 
or constructively under certain stock attribution rules, on more than half the days during the taxable year by persons who each 
own 5% or more of the value of our common shares, which we refer to as the 5 Percent Override Rule.

In order to determine the persons who actually or constructively own 5% or more of our common shares, or 5% Shareholders, 
we are permitted to rely on those persons that are identified on Schedule 13G and Schedule 13D filings with the U.S. Securities 
and  Exchange  Commission  as  having  a  5%  or  more  beneficial  interest  in  our  common  shares.  In  addition,  an  investment 
company identified on a Schedule 13G or Schedule 13D filing which is registered under the Investment Company Act of 1940, 
as amended, will not be treated as a 5% Shareholder for such purposes.

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For our 2020 taxable year, we do not believe that we were subject to the 5 Percent Override Rule and, therefore, we believe that 
we  satisfied  the  Publicly-Traded  Test.  There  are,  however,  factual  circumstances  beyond  our  control  that  could  cause  the 
Company to lose the benefit of the Section 883 exemption and thereby become subject to U.S. federal income tax on its U.S. 
source  shipping  income.  For  example,  Hemen  owned  as  much  as  approximately  20.1%  of  our  outstanding  common  shares 
during the 2020 year. There is, therefore, a risk that the Company could no longer qualify for exemption under Section 883 for 
a particular taxable year if other 5% Shareholders were, in combination with Hemen, to own 50% or more of the outstanding 
common  shares  of  the  Company  on  more  than  half  the  days  during  the  taxable  year.  Due  to  the  factual  nature  of  the  issues 
involved, there can be no assurances as to the tax-exempt status of the Company or any of its subsidiaries.

In the event the 5 Percent Override Rule is triggered, the 5 Percent Override Rule will nevertheless not apply if we can establish 
that among the closely-held group of 5% Shareholders, there are sufficient 5% Shareholders that are considered to be "qualified 
shareholders" for purposes of Section 883 to preclude non-qualified 5% Shareholders in the closely-held group from owning 
50% or more of our common shares for more than half the number of days during the taxable year.

In any year that the 5 Percent Override Rule is triggered with respect to us, we are eligible for the exemption from tax under 
Section 883 only if we can nevertheless satisfy the Publicly-Traded Test (which requires, among other things, showing that the 
exception  to  the  5  Percent  Override  Rule  applies)  or  if  we  can  satisfy  the  50%  Ownership  Test.  In  either  case,  certain 
substantiation and reporting requirements regarding the identity of our shareholders must be satisfied in order to qualify for the 
Section 883 exemption. These requirements are onerous and there is no assurance that we would be able to satisfy them.

Taxation in Absence of the Section 883 Exemption

To the extent the benefits of Section 883 are unavailable with respect to any item of U.S. source income, the Company's U.S. 
source shipping income, to the extent not considered to be "effectively connected" with the conduct of a U.S. trade or business, 
as described below, would be subject to a 4% tax imposed by Section 887 of the Code on a gross basis, without the benefit of 
deductions, which we refer to as the "4% gross basis tax regime." Since, under the sourcing rules described above, no more than 
50% of the Company's shipping income would be treated as being derived from U.S. sources, the maximum effective rate of 
U.S. federal income tax on the Company's shipping income, to the extent not considered to be "effectively connected" with the 
conduct of a U.S. trade or business, would never exceed 2% under the 4% gross basis tax regime.

To the extent the benefits of the Section 883 exemption are unavailable and our U.S. source shipping income is considered to be 
"effectively connected" with the conduct of a U.S. trade or business, as described below, any such "effectively connected" U.S. 
source shipping income, net of applicable deductions, would be subject to the U.S. federal corporate income tax imposed at rate 
of 21%. In addition, we may be subject to the 30% "branch profits" tax on earnings "effectively connected" with the conduct of 
such U.S. trade or business, as determined after allowance for certain adjustments, and on certain interest paid or deemed paid 
attributable to the conduct of such U.S. trade or business.

Our U.S. source shipping income would be considered "effectively connected" with the conduct of a U.S. trade or business only 
if:

•

•

we had, or were considered to have, a fixed place of business in the United States involved in the earning of U.S. 
source shipping income; and
substantially all of our U.S. source shipping income were attributable to regularly scheduled transportation, such as 
the operation of a vessel that followed a published schedule with repeated sailings at regular intervals between the 
same points for voyages that begin or end in the United States, or, in the case of income from the chartering of a 
vessel, were attributable to a fixed place of business in the United States.

We do not have, nor will we permit circumstances that would result in having, any vessel sailing to or from the United States on 
a regularly scheduled basis. Based on the foregoing and on the expected mode of our shipping operations and other activities, 
we believe that none of our U.S. source shipping income is or will be "effectively connected" with the conduct of a U.S. trade 
or business.

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Gain on Sale of Vessels

Regardless of whether we qualify for exemption under Section 883, we will not be subject to U.S. federal income taxation with 
respect to gain realized on a sale of a vessel, provided the sale is considered to occur outside of the United States under U.S. 
federal  income  tax  principles.  In  general,  a  sale  of  a  vessel  will  be  considered  to  occur  outside  of  the  United  States  for  this 
purpose  if  title  to  the  vessel,  and  risk  of  loss  with  respect  to  the  vessel,  pass  to  the  buyer  outside  of  the  United  States.  It  is 
expected that any sale of a vessel by us will be considered to occur outside of the United States.

U.S. Taxation of Our Other Income

In addition to our shipping operations, we charter drilling rigs to third parties who conduct drilling operations in various parts of 
the world. Since we are not engaged in a trade or business in the United States, we do not expect to be subject to U.S. federal 
income tax on any of our income from such charters.

Taxation of U.S. Holders

The  following  is  a  discussion  of  the  material  U.S.  federal  income  tax  considerations  relevant  to  an  investment  decision  by  a 
U.S.  Holder,  as  defined  below,  with  respect  to  our  common  shares.  This  discussion  does  not  purport  to  deal  with  the  tax 
consequences of owning our common shares to all categories of investors, some of which may be subject to special rules.  You 
are  encouraged  to  consult  your  own  tax  advisors  concerning  the  overall  tax  consequences  arising  in  your  own  particular 
situation under U.S. federal, state, local or foreign law of the ownership of our common shares.

As used herein, the term U.S. Holder means a beneficial owner of our common shares that (i) is a U.S. citizen or resident, a 
U.S. corporation or other U.S. entity taxable as a corporation, an estate, the income of which is subject to U.S. federal income 
taxation regardless of its source, or a trust if (a) a court within the United States is able to exercise primary jurisdiction over the 
administration of the trust and one or more U.S. persons have the authority to control all substantial decisions of the trust or (b) 
the trust has in effect a valid election to be treated as a United States person for U.S. federal income tax purposes, (ii) owns our 
common shares as a capital asset, generally, for investment purposes, and (iii) owns less than 10% of our common shares for 
U.S. federal income tax purposes.

If a partnership holds our common shares, the tax treatment of a partner will generally depend upon the status of the partner and 
upon the activities of the partnership.  If you are a partner in a partnership holding our common shares, you are encouraged to 
consult your own tax advisor regarding this issue.

Distributions

Subject to the discussion below of passive foreign investment companies, or PFICs, any distributions made by us with respect 
to  our  common  shares  to  a  U.S.  Holder  will  generally  constitute  dividends,  which  may  be  taxable  as  ordinary  income  or 
"qualified dividend income" as described in more detail below, to the extent of our current or accumulated earnings and profits, 
as determined under U.S. federal income tax principles. Distributions in excess of our earnings and profits will be treated first 
as a nontaxable return of capital to the extent of the U.S. Holder's tax basis in his common shares on a dollar-for-dollar basis 
and thereafter as capital gain. Because we are not a U.S. corporation, U.S. Holders that are corporations will generally not be 
entitled to claim a dividends-received deduction with respect to any distributions they receive from us.

Dividends  paid  on  our  common  shares  to  a  U.S.  Holder  who  is  an  individual,  trust  or  estate,  which  we  refer  to  as  a  U.S. 
Individual Holder, will generally be treated as "qualified dividend income" that is taxable to such U.S. Individual Holders at 
preferential tax rates provided that (1) the common shares are readily tradable on an established securities market in the United 
States (such as the NYSE, on which our common shares are listed); (2) we are not a PFIC for the taxable year during which the 
dividend  is  paid  or  the  immediately  preceding  taxable  year  (see  discussion  below);  and  (3)  the  U.S.  Individual  Holder  has 
owned  the  common  shares  for  more  than  60  days  in  the  121-day  period  beginning  60  days  before  the  date  on  which  the 
common shares become ex-dividend.

There is no assurance that any dividends paid on our common shares will be eligible for these preferential rates in the hands of 
a U.S. Individual Holder. Any dividends paid by the Company which are not eligible for these preferential rates will be taxed as 
ordinary income to a U.S. Individual Holder.

111

Sale, Exchange or other Disposition of Common Shares

Assuming we do not constitute a PFIC for any taxable year, a U.S. Holder generally will recognize taxable gain or loss upon a 
sale, exchange or other disposition of our common shares in an amount equal to the difference between the amount realized by 
the U.S. Holder from such sale, exchange or other disposition and the U.S. Holder's tax basis in such common shares. Such gain 
or loss will be treated as long-term capital gain or loss if the U.S. Holder's holding period in the common shares is greater than 
one year at the time of the sale, exchange or other disposition. Otherwise, it will be treated as short-term capital gain or loss. A 
U.S. Holder's ability to deduct capital losses is subject to certain limitations.

Passive Foreign Investment Company Status and Significant Tax Consequences

Special U.S. federal income tax rules apply to a U.S. Holder that holds stock in a foreign corporation classified as a PFIC for 
U.S. federal income tax purposes.  In general, we will be treated as a PFIC with respect to a U.S. Holder if, for any taxable year 
in which such holder held our common shares, either at least 75% of our gross income for such taxable year consists of "passive 
income"  (e.g.,  dividends,  interest,  capital  gains  and  rents  derived  other  than  in  the  active  conduct  of  a  rental  business),  or  at 
least  50%  of  the  average  value  of  the  assets  held  by  the  corporation  during  such  taxable  year  produce,  or  are  held  for  the 
production of, "passive income."

For purposes of determining whether we are a PFIC, we will be treated as earning and owning our proportionate share of the 
income  and  assets,  respectively,  of  any  of  our  subsidiary  corporations  in  which  we  own  at  least  25%  of  the  value  of  the 
subsidiary's stock. Income earned, or deemed earned, by us in connection with the performance of services would not constitute 
passive income.  By contrast, rental income would generally constitute "passive income" unless we were treated under specific 
rules as deriving our rental income in the active conduct of a trade or business.

Although there is no legal authority directly on point, we believe that, for purposes of determining whether we are a PFIC, the 
gross  income  we  derive  or  are  deemed  to  derive  from  the  time  chartering  activities  of  our  wholly-owned  subsidiaries  more 
likely than not constitutes services income, rather than rental income. Correspondingly, we believe that such income does not 
constitute "passive income," and the assets that we or our wholly-owned subsidiaries own and operate in connection with the 
production of such income, in particular, the vessels, do not constitute passive assets for purposes of determining whether we 
are a PFIC. We believe there is substantial legal authority supporting our position consisting of case law and Internal Revenue 
Service, or IRS, pronouncements concerning the characterization of income derived from time charters and voyage charters as 
services income for other tax purposes. This position is principally based upon the positions that (1) our time charter income 
will  constitute  services  income,  rather  than  rental  income,  and  (2)  Frontline  Management  and  Golden  Ocean  Management, 
which provide services to certain of our time-chartered vessels, will be respected as separate entities from Frontline Shipping 
and the Golden Ocean Charterer, with which they are respectively affiliated.

We  intend  to  take  the  position  that  we  were  not  treated  as  a  PFIC  for  our  2020  taxable  year.  For  the  2021  taxable  year  and 
future taxable years, depending upon the relative amount of income we derive from our various assets as well as their relative 
fair market values, it is possible that we may be treated as a PFIC.

We note that there is no direct legal authority under the PFIC rules addressing our current and proposed method of operation. In 
addition, although we intend to conduct our affairs in a manner to avoid being classified as a PFIC with respect to any taxable 
year, we cannot assure you that the nature of our operations will not change in the future. Accordingly, no assurance can be 
given that the IRS or a court of law will accept our position, and there is a significant risk that the IRS or a court of law could 
determine that we are a PFIC.

As  discussed  more  fully  below,  if  we  were  to  be  treated  as  a  PFIC  for  any  taxable  year,  a  U.S.  Holder  would  be  subject  to 
different  taxation  rules  depending  on  whether  the  U.S.  Holder  makes  an  election  to  treat  us  as  a  "Qualified  Electing  Fund", 
which election we refer to as a QEF Election. As an alternative to making a QEF election, a U.S. Holder should be able to make 
a "mark-to-market" election with respect to our common shares, as discussed below, and which election we refer to as a Mark-
to-Market Election. In any event, if we were to be treated as a PFIC for any taxable year ending on or after December 31, 2013, 
a  U.S.  Holder  would  be  required  to  file  an  annual  report  with  the  Internal  Revenue  Service  for  that  year  with  respect  their 
holding in our common shares.

112

Taxation of U.S. Holders Making a Timely QEF Election

If we were to be treated as a PFIC for any taxable year and a U.S. Holder makes a timely QEF Election, which U.S. Holder we 
refer to as an Electing Holder, the Electing Holder must report each year for U.S. federal income tax purposes its pro rata share 
of our ordinary earnings and our net capital gain, if any, for our taxable year that ends with or within the taxable year of the 
Electing Holder, regardless of whether or not distributions were received from us by the Electing Holder. The Electing Holder's 
adjusted tax basis in the common shares will be increased to reflect taxed but undistributed earnings and profits. Distributions 
of earnings and profits that had been previously taxed will result in a corresponding reduction in the adjusted tax basis in the 
common shares and will not be taxed again once distributed. A U.S. Holder would make a QEF Election with respect to any 
taxable year that we are a PFIC by filing one copy of IRS Form 8621 with its U.S. federal income tax return. To make a QEF 
Election, a U.S. Holder must receive annually certain tax information from us. There can be no assurances that we will be able 
to provide such information annually. An Electing Holder would generally recognize capital gain or loss on the sale, exchange 
or other disposition of our common shares.

Taxation of U.S. Holders Making a Mark-to-Market Election

Alternatively, if we were to be treated as a PFIC for any taxable year and, as we anticipate, our common shares are treated as 
"marketable stock," a U.S. Holder would be permitted to make a Mark-to-Market Election with respect to our common shares, 
provided the U.S. Holder completes and files IRS Form 8621 in accordance with the relevant instructions and related Treasury 
Regulations.  If  that  election  is  made,  the  U.S.  Holder  generally  would  include  as  ordinary  income  in  each  taxable  year  the 
excess, if any, of the fair market value of the common shares at the end of the taxable year over such holder's adjusted tax basis 
in the common shares. The U.S. Holder would also be permitted an ordinary loss in respect of the excess, if any, of the U.S. 
Holder's adjusted tax basis in the common shares over its fair market value at the end of the taxable year, but only to the extent 
of the net amount previously included in income as a result of the Mark-to-Market Election. A U.S. Holder's tax basis in its 
common  shares  would  be  adjusted  to  reflect  any  such  income  or  loss  amount.  Gain  realized  on  the  sale,  exchange  or  other 
disposition of our common shares would be treated as ordinary income, and any loss realized on the sale, exchange or other 
disposition of the common shares would be treated as ordinary loss to the extent that such loss does not exceed the net mark-to-
market gains previously included in income by the U.S. Holder.

Taxation of U.S. Holders Not Making a Timely QEF or Mark-to-Market Election

Finally, if we were to be treated as a PFIC for any taxable year, a U.S. Holder who does not make either a QEF Election or a 
Mark-to-Market  Election  for  that  year,  whom  we  refer  to  as  a  Non-Electing  Holder,  would  be  subject  to  special  rules  with 
respect to (1) any excess distribution (i.e., the portion of any distributions received by the Non-Electing Holder on our common 
shares in a taxable year in excess of 125% of the average annual distributions received by the Non-Electing Holder in the three 
preceding  taxable  years,  or,  if  shorter,  the  Non-Electing  Holder's  holding  period  for  the  common  shares),  and  (2)  any  gain 
realized on the sale, exchange or other disposition of our common shares. Under these special rules:

•

•

•

the excess distribution or gain would be allocated ratably over the Non-Electing Holders' aggregate holding period 
for the common shares;
the amount allocated to the current taxable year and any taxable years before the Company became a PFIC would be 
taxed as ordinary income; and
the amount allocated to each of the other taxable years would be subject to tax at the highest rate of tax in effect for 
the  applicable  class  of  taxpayer  for  that  year,  and  an  interest  charge  for  the  deemed  deferral  benefit  would  be 
imposed with respect to the resulting tax attributable to each such other taxable year.

These penalties would not apply to a pension or profit sharing trust or other tax-exempt organization that did not borrow funds 
or otherwise utilize leverage in connection with its acquisition of our common shares. If we were a PFIC, and a Non-Electing 
Holder who is an individual died while owning our common shares, such holder's successor generally would not receive a step-
up in tax basis with respect to such common shares.

Taxation of Non-U.S. Holders

A beneficial owner of common shares (other than a partnership) that is not a U.S. Holder is referred to herein as a Non-U.S. 
Holder.

113

Dividends on Common Shares

Non-U.S. Holders generally will not be subject to U.S. federal income or withholding tax on dividends received from us with 
respect to our common shares, unless that dividend is effectively connected with the Non-U.S. Holder's conduct of a trade or 
business in the United States.  If the Non-U.S. Holder is entitled to the benefits of a U.S. income tax treaty with respect to those 
dividends, that income is taxable, or taxable at the full rate, only if it is attributable to a permanent establishment maintained by 
the Non-U.S. Holder in the United States.

Sale, Exchange or Other Disposition of Common Shares

Non-U.S. Holders generally will not be subject to U.S. federal income or withholding tax on any gain realized upon the sale, 
exchange or other disposition of our common shares, unless:

•

•

the gain is effectively connected with the Non-U.S. Holder's conduct of a trade or business in the United States (and, 
if  the  Non-U.S.  Holder  is  entitled  to  the  benefits  of  an  income  tax  treaty  with  respect  to  that  gain,  that  gain  is 
attributable to a permanent establishment maintained by the Non-U.S. Holder in the United States); or
the Non-U.S. Holder is an individual who is present in the United States for 183 days or more during the taxable 
year of disposition and other conditions are met.

If  the  Non-U.S.  Holder  is  engaged  in  a  U.S.  trade  or  business  for  U.S.  federal  income  tax  purposes,  the  income  from  the 
common shares, including dividends and the gain from the sale, exchange or other disposition of the common shares, that is 
effectively connected with the conduct of that trade or business will generally be subject to regular U.S. federal income tax in 
the same manner as discussed in the previous section relating to the taxation of U.S. Holders. In addition, if you are a corporate 
Non-U.S.  Holder,  your  earnings  and  profits  that  are  attributable  to  the  effectively  connected  income,  subject  to  certain 
adjustments, may be subject to an additional branch profits tax at a rate of 30%, or at a lower rate as may be specified by an 
applicable income tax treaty.

Backup Withholding and Information Reporting

In  general,  dividend  payments,  or  other  taxable  distributions,  made  within  the  United  States  to  you  will  be  subject  to 
information  reporting  requirements.  Such  payments  will  also  be  subject  to  "backup  withholding"  if  you  are  a  non-corporate 
U.S. Holder and you:

•
•

•

fail to provide an accurate taxpayer identification number;
are  notified  by  the  IRS  that  you  have  failed  to  report  all  interest  or  dividends  required  to  be  shown  on  your  U.S. 
federal income tax returns; or
in certain circumstances, fail to comply with applicable certification requirements.

Non-U.S.  Holders  may  be  required  to  establish  their  exemption  from  information  reporting  and  backup  withholding  by 
certifying their status on an applicable IRS Form W-8.

If  you  are  a  Non-U.S.  Holder  and  you  sell  your  common  shares  to  or  through  a  U.S.  office  of  a  broker,  the  payment  of  the 
proceeds  is  subject  to  both  U.S.  backup  withholding  and  information  reporting  unless  you  certify  that  you  are  a  non-U.S. 
person,  under  penalties  of  perjury,  or  otherwise  establish  an  exemption.  If  you  sell  your  common  shares  through  a  non-U.S. 
office  of  a  non-U.S.  broker  and  the  sales  proceeds  are  paid  to  you  outside  the  United  States,  then  information  reporting  and 
backup withholding generally will not apply to that payment. However, U.S. information reporting, but not backup withholding, 
will apply to a payment of sales proceeds, including a payment made to you outside the United States, if you sell your common 
shares  through  a  non-U.S.  office  of  a  broker  that  is  a  U.S.  person  or  has  some  other  contacts  with  the  United  States.  Such 
information reporting requirements will not apply, however, if the broker has documentary evidence that you are a non-U.S. 
person and certain other conditions are met, or you otherwise establish an exemption.

Backup withholding is not an additional tax. Rather, you generally may obtain a refund of any amounts withheld under backup 
withholding rules that exceed your income tax liability by filing a refund claim with the IRS.

114

Individuals who are U.S. Holders (and to the extent specified in applicable Treasury regulations, certain individuals who are 
Non-U.S. Holders and certain U.S. entities) who hold "specified foreign financial assets" (as defined in Section 6038D of the 
Code) are required to file IRS Form 8938 with information relating to the asset for each taxable year in which the aggregate 
value of all such assets exceeds $75,000 at any time during the taxable year or $50,000 on the last day of the taxable year (or 
such higher dollar amount as prescribed by applicable Treasury regulations).  Specified foreign financial assets would include, 
among  other  assets,  our  common  shares,  unless  the  shares  are  held  through  an  account  maintained  with  a  U.S.  financial 
institution.  Substantial  penalties  apply  to  any  failure  to  timely  file  IRS  Form  8938,  unless  the  failure  is  shown  to  be  due  to 
reasonable cause and not due to willful neglect. Additionally, in the event an individual U.S. Holder (and to the extent specified 
in applicable Treasury regulations, an individual Non-U.S. Holder or a U.S. entity) that is required to file IRS Form 8938 does 
not file such form, the statute of limitations on the assessment and collection of U.S. federal income taxes of such holder for the 
related tax year may not close until three years after the date that the required information is filed. U.S. Holders (including U.S. 
entities) and Non-U.S. Holders are encouraged to consult their own tax advisors regarding their reporting obligations under this 
legislation.

Bermuda Taxation

Under  current  Bermuda  law,  we  are  not  subject  to  tax  on  income  or  capital  gains.  We  have  received  from  the  Minister  of 
Finance under The Exempted Undertaking Tax Protection Act 1966, as amended, an assurance that, in the event that Bermuda 
enacts legislation imposing tax computed on profits, income, any capital asset, gain or appreciation, or any tax in the nature of 
estate duty or inheritance, then the imposition of any such tax shall not be applicable to us or to any of our operations or shares, 
debentures or other obligations, until March 31, 2035. We could be subject to taxes in Bermuda after that date. This assurance 
is  subject  to  the  proviso  that  it  is  not  to  be  construed  to  prevent  the  application  of  any  tax  or  duty  to  such  persons  as  are 
ordinarily resident in Bermuda or to prevent the application of any tax payable in accordance with the provisions of the Land 
Tax Act 1967 or otherwise payable in relation to any property leased to us. We and our subsidiaries incorporated in Bermuda 
pay annual government fees to the Bermuda government.

F. DIVIDENDS AND PAYING AGENTS

Not Applicable.

G. STATEMENT BY EXPERTS

Not Applicable.

H. DOCUMENTS ON DISPLAY

We are subject to the informational requirements of the Securities Exchange Act of 1934, as amended, or the Exchange Act. In 
accordance with these requirements, we file reports and other information with the SEC. These materials, including this annual 
report and the accompanying exhibits, may be inspected and copied at the public reference facilities maintained by the SEC at 
100  F  Street,  N.E.,  Washington,  D.C.  20549.  You  may  obtain  information  on  the  operation  of  the  public  reference  room  by 
calling 1 (800) SEC-0330, and you may obtain copies at prescribed rates from the public reference facilities maintained by the 
SEC at its principal office in Washington, D.C. 20549. The SEC maintains a website (http://www.sec.gov) that contains reports, 
proxy and information statements and other information regarding registrants that file electronically with the SEC. In addition, 
documents referred to in this annual report may be inspected at our principal executive offices at Par-la-Ville Place, 14 Par-la-
Ville Road, Hamilton, Bermuda HM 08. Our filings are also available on our website at www.sflcorp.com. This web address is 
provided as an inactive textual reference only. Information on our website does not constitute part of this annual report.

I. SUBSIDIARY INFORMATION

Not Applicable.

115

 
 
 
 
 
ITEM 11.  QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

We are exposed to various market risks, including interest rates and foreign currency fluctuations. We use interest rate swaps to 
manage interest rate risk and currency swaps to manage currency risks. We may enter into derivative instruments from time to 
time for speculative purposes.

At December 31, 2020, we had entered into currency rate swap contracts and combined currency and interest rate swaps with a 
total notional principal of NOK600 million ($76.8 million), to hedge against fluctuations in interest and exchange rates on our 
NOK600  million  senior  unsecured  bonds  due  2023.  Under  the  currency  rate  swap  contracts,  variable  NIBOR  interest  rates 
including additional margins are swapped for variable LIBOR rates including additional margins. Under the combined currency 
and interest rate swaps, variable NIBOR interest rates including additional margins are swapped for fixed interest rates at an 
average of 6.74%. The eventual settlement of the bonds will have an effective exchange rate of NOK7.81 = $1. These contracts 
expire in September 2023 and we estimate that we would pay $8.8 million to terminate them as of December 31, 2020 (2019: 
$10.7 million). At December 31, 2020, we had entered into additional combined currency and interest rate swap contracts with 
a total notional principal of NOK100 million ($11.3 million) to hedge against fluctuations in exchange rates on the NOK100 
million tap issue to the NOK600 million. Under these contracts, variable NIBOR interest rates including additional margins are 
swapped  for  a  fixed  interest  rate  of  6.38%.  The  eventual  settlement  of  the  bonds  will  have  an  effective  exchange  rate  of 
NOK8.89  =  $1.  These  contracts  expire  in  September  2023  and  we  estimate  that  we  would  receive  $0.0  million  to  terminate 
them as of December 31, 2020 (2019: $0.2 million).

Similarly,  at  December  31,  2020,  we  had  entered  into  currency  rate  contracts  and  combined  currency  and  interest  rate  swap 
contracts  with  a  total  notional  principal  of  NOK700  million  ($80.5  million),  to  hedge  against  fluctuations  in  interest  and 
exchange  rates  on  our  NOK700  million  senior  unsecured  bonds  due  2024.  In  the  year  ended  December  31,  2020  we 
repurchased  bonds  totaling  NOK5  million.  The  net  amount  of  debt  outstanding  at  December  31,  2020  was  NOK695  million 
(2019:  NOK700  million).  At  December  31,  2020.  Under  the  currency  rate  swap  contracts,  variable  NIBOR  interest  rates 
including additional margins are swapped for variable LIBOR rates including additional margins. Under the combined currency 
and interest rate swaps, variable NIBOR interest rates including additional margins are swapped for fixed interest rates at an 
average of 6.87%. The eventual settlement of the bonds will have an effective exchange rate of NOK8.69 = $1. These contracts 
expire  in  June  2024  and  we  estimate  that  we  would  pay  $2.2  million  to  terminate  them  as  of  December  31,  2020  (2019: 
$2.4 million).

Similarly, at December 31, 2020, we had entered into currency rate contracts with a total notional principal of NOK600 million 
($67.5 million), to hedge against fluctuations in exchange rates on our NOK600 million senior unsecured bonds due 2025. In 
the  year  ended  December  31,  2020  we  repurchased  bonds  totaling  NOK60  million.  The  net  amount  of  debt  outstanding  at 
December  31,  2020  was  NOK540  million  (2019:  NOK0  million).  Under  these  contracts,  variable  NIBOR  interest  rates 
including additional margins are swapped for variable LIBOR rates including additional margins. The eventual settlement of the 
bonds will have an effective exchange rate of NOK8.88 = $1. These contracts expire in January 2025 and we estimate that we 
would receive $3.1 million to terminate them as of December 31, 2020 (2019: $0.0 million). 

At  December  31,  2020,  we  and  our  consolidated  subsidiaries  had  entered  into  interest  rate  swap  contracts  with  a  combined 
notional principal amount of $0.9 billion (2019: $1.0 billion) at fixed interest rates between 0.28% per annum and 2.97% per 
annum. These interest rate swap agreements mature between February 2021 and August 2029, and we estimate that we would 
pay $23.0 million to terminate them as of December 31, 2020 (2019: $5.5 million).

The overall effect of our swaps is to fix the interest rate on approximately $0.9 billion of our floating rate debt at December 31, 
2020 (2019: $1.0 billion), at a weighted average interest rate of 2.91% per annum including margin (2019: 4.26%).

Several  of  our  charter  contracts  contain  interest  adjustment  clauses,  whereby  the  charter  rate  is  adjusted  to  reflect  the  actual 
interest rate on the outstanding loan, effectively transferring interest rate exposure to the counterparty under the charter contract. 
At December 31, 2020, a total of $0.5 billion of our floating rate debt was subject to such interest adjustment clauses, including 
our equity accounted subsidiaries. None of this was subject to interest rate swaps entered into for the benefit of the charterer. 
The balance of $0.5 billion remained on a floating rate basis. Comparably as at December 31, 2019, a total of $0.7 billion of our 
floating rate debt was subject to such interest adjustment clauses, including our equity accounted subsidiaries. None of this was 
subject  to  interest  rate  swaps  entered  into  for  the  benefit  of  the  charterer,  with  the  balance  of  $0.7  billion  remaining  on  a 
floating rate basis. 

116

 
At  December  31,  2020,  our  net  exposure,  including  equity-accounted  subsidiaries,  to  interest  rate  fluctuations  on  our 
outstanding  debt  was  $54.9  million,  compared  with  $166.6  million  at  December  31,  2019.  Our  net  exposure  to  interest 
fluctuations  is  based  on  our  total  of  $1.5  billion  floating  rate  debt  outstanding  at  December  31,  2020,  less  the  $0.9  billion 
notional  principle  of  our  interest  rate  swaps  and  the  $0.5  billion  remaining  floating  rate  debt  subject  to  interest  adjustment 
clauses  under  charter  contracts.  A  one  per-cent  change  in  interest  rates  would  thus  increase  or  decrease  net  exposure  by 
approximately $0.5 million per year as of December 31, 2020 (2019: 1.7 million per year). Please note that two of these charter 
contracts representing $0.3 billion of the floating rate debt subject to interest adjustment clauses, relate to charters with Seadrill 
which entered Chapter 11 court proceeding in February 2021. See Item 3D  Risk Factors. 

As of March 22, 2021,  we were not party to any other interest rate or currency derivative contracts.

We may in the future enter into short-term Total Return Swap ("TRS") arrangements relating to our own shares and bonds or 
securities in other companies.

Apart  from  our  NOK700  million  due  2023,  NOK700  million  due  2024  and  NOK600  million  due  2025  floating  rate  bonds, 
which have been hedged, the majority of our transactions, assets and liabilities are denominated in U.S. dollars, our functional 
currency.

ITEM 12.  DESCRIPTION OF SECURITIES OTHER THAN EQUITY SECURITIES

Not Applicable.

117

ITEM 13.  DEFAULTS, DIVIDEND ARREARAGES AND DELINQUENCIES

PART II

Neither we nor any of our subsidiaries have been subject to a material default in the payment of principal, interest, a sinking 
fund or purchase fund installment or any other material default that was not cured within 30 days. In addition, the payments of 
our dividends are not, and have not been in arrears or have not been subject to material delinquency that was not cured within 
30 days.

ITEM  14.  MATERIAL  MODIFICATIONS  TO  THE  RIGHTS  OF  SECURITY  HOLDERS  AND  USE  OF 

PROCEEDS

None.

ITEM 15.  CONTROLS AND PROCEDURES

a)  Disclosure Controls and Procedures

Pursuant  to  Rules  13a-15(e)  and  15d-15(e)  of  the  Exchange  Act,  management  assessed  the  effectiveness  of  the  design  and 
operation  of  our  disclosure  controls  and  procedures  as  of  December  31,  2020.  Based  upon  that  evaluation,  the  Principal 
Executive Officer and Principal Financial Officer concluded that our disclosure controls and procedures were effective as of the 
evaluation date.

b) Management's annual report on internal controls over financial reporting

Our management is responsible for establishing and maintaining adequate internal control over financial reporting as defined in 
Rules 13a-15(f) promulgated under the Exchange Act.

Internal  control  over  financial  reporting  is  defined  in  Rule  13a-15(f)  or  15d-15(f)  promulgated  under  the  Exchange  Act  as  a 
process designed by, or under the supervision of, our principal executive and principal financial officers and effected by our 
board  of  directors,  management  and  other  personnel,  to  provide  reasonable  assurance  regarding  the  reliability  of  financial 
reporting  and  the  preparation  of  financial  statements  for  external  purposes  in  accordance  with  generally  accepted  accounting 
principles and includes those policies and procedures that:

•

•

•

pertain  to  the  maintenance  of  records  that,  in  reasonable  detail,  accurately  and  fairly  reflect  the  transactions  and 
dispositions of our assets;
provide  reasonable  assurance  that  transactions  are  recorded  as  necessary  to  permit  preparation  of  financial  statements  in 
accordance with generally accepted accounting principles, and that our receipts and expenditures are being made only in 
accordance with authorizations of Company's management and directors; and
provide  reasonable  assurance  regarding  prevention  or  timely  detection  of  unauthorized  acquisition,  use  or  disposition  of 
our assets that could have a material effect on the financial statements.

Because  of  its  inherent  limitations,  internal  control  over  financial  reporting  may  not  prevent  or  detect  misstatements.  Also, 
projections  of  any  evaluation  of  effectiveness  to  future  periods  are  subject  to  the  risk  that  controls  may  become  inadequate 
because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.

Management  conducted  the  evaluation  of  the  effectiveness  of  the  internal  controls  over  financial  reporting  using  the  control 
criteria framework issued by the Committee of Sponsoring Organizations of the Treadway Commission published in its report 
entitled Internal Control-Integrated Framework (2013).

Our  management  with  the  participation  of  our  Principal  Executive  Officer  and  Principal  Financial  Officer  assessed  the 
effectiveness  of  the  design  and  operation  of  our  internal  controls  over  financial  reporting  pursuant  to  Rule  13a-15  of  the 
Exchange Act, as of December 31, 2020. Based upon that evaluation, the Principal Executive Officer and Principal Financial 
Officer concluded that our internal controls over financial reporting were effective as of December 31, 2020.

118

 
 
 
 
c) Attestation report of the registered public accounting firm

MSPC, Certified Public Accountants and Advisors, a Professional Corporation, our independent registered public accounting 
firm, has issued their attestation report on the effectiveness of our internal control over financial reporting as of December 31, 
2020. Such report appears on page F-2.

 d) Changes in internal control over financial reporting

There were no changes in our internal controls over financial reporting that occurred during the period covered by this annual 
report that have materially affected, or are reasonably likely to materially affect, our internal control over financial reporting.

ITEM 16. 

ITEM 16A.  AUDIT COMMITTEE FINANCIAL EXPERT

Our  Board  of  Directors  has  determined  that  our  Audit  Committee  has  one  Audit  Committee  Financial  Expert.  James 
O'Shaughnessy is an independent Director and is the Audit Committee Financial Expert, as such terms are defined under SEC 
rules.

ITEM 16B.  CODE OF ETHICS

We have adopted a Code of Ethics that applies to all entities controlled by us and our employees, directors, officers and our 
agents. We have posted our code of ethics on our website at www.sflcorp.com. We will provide any person, free of charge, with 
a copy of our code of ethics upon written request to our registered office. Any waivers that are granted from any provision of 
our Code of Ethics may be disclosed on our website within five business days following the date of such waiver. 

ITEM 16C.  PRINCIPAL ACCOUNTANT FEES AND SERVICES

Our  principal  accountant  for  2020  and  2019  was  MSPC,  Certified  Public  Accountants  and  Advisors,  A  Professional 
Corporation (“MSPC”). The following table sets forth the fees related to audit and other services provided by MSPC.

Audit Fees (a)

Audit-Related Fees (b)

Tax Fees (c)

All Other Fees (d)

Total

(a) Audit Fees

2020

560,000  $ 

129,000  $ 

— 

3,340  $ 

2019

560,000 

129,000 

— 

— 

692,340  $ 

689,000 

$ 

$ 

$ 

$ 

Audit fees represent professional services rendered for the audit of our annual financial statements and services provided 
by the principal accountant in connection with statutory and regulatory filings or engagements.

(b) Audit -Related Fees

Audit-related  fees  consisted  of  assurance  and  related  services  rendered  by  the  principal  accountant  related  to  the 
performance of the audit or review of our financial statements which have not been reported under Audit Fees above.

(c) Tax Fees

Tax fees represent fees for professional services rendered by the principal accountant for tax compliance, tax advice and 
tax planning.

(d) All Other Fees

All other fees include services other than audit fees, audit-related fees and tax fees set forth above.

119

 
 
(e) Audit Committee's Pre-Approval Policies and Procedures

Our Board of Directors has adopted pre-approval policies and procedures in compliance with paragraph (c)(7)(i) of Rule 
2-01 of Regulation S-X, that require the Board of Directors to approve the appointment of our independent auditor before 
such auditor is engaged and approve each of the audit and non-audit related services to be provided by such auditor under 
such engagement by us. All services provided by the principal auditor in 2020 and 2019 were approved by the Board of 
Directors pursuant to the pre-approval policy.

ITEM 16D.  EXEMPTIONS FROM THE LISTING STANDARDS FOR AUDIT COMMITTEES

Not applicable.

ITEM 16E.  PURCHASE OF EQUITY SECURITIES BY ISSUER AND AFFILIATED PURCHASERS

No  shares  have  been  repurchased  by  us  or  any  “affiliated  purchaser,”  as  such  term  is  defined  in  Rule  10b-18(a)(3)  of  the 
Exchange Act, since January 2006.

ITEM 16F.  CHANGE IN REGISTRANT'S CERTIFYING ACCOUNTANT

Not applicable.

ITEM 16G.  CORPORATE GOVERNANCE

Pursuant to an exception under the NYSE listing standards available to foreign private issuers, we are not required to comply 
with all of the corporate governance practices followed by U.S. companies under the NYSE listing standards.  The significant 
differences  between  our  corporate  governance  practices  and  the  NYSE  standards  applicable  to  listed  U.S.  companies  are  set 
forth below.

Executive  Sessions.  The  NYSE  requires  that  non-management  directors  meet  regularly  in  executive  sessions  without 
management.  The  NYSE  also  requires  that  all  independent  directors  meet  in  an  executive  session  at  least  once  a  year.    As 
permitted  under  Bermuda  law  and  our  Bye-laws,  our  non-management  directors  have  not  regularly  held  executive  sessions 
without management, and we do not expect them to do so in the future.

Nominating/Corporate Governance Committee. The NYSE requires that a listed U.S. company have a nominating/corporate 
governance  committee  of  independent  directors  and  a  committee  charter  specifying  the  purpose,  duties  and  evaluation 
procedures of the committee. As permitted under Bermuda law and our Bye-laws, we do not currently have a nominating or 
corporate governance committee.

Audit  Committee.  The  NYSE  requires,  among  other  things,  that  a  listed  U.S.  company  have  an  audit  committee  with  a 
minimum  of  three  members.  As  permitted  by  Rule  10A-3  under  the  Exchange  Act,  our  audit  committee  consists  of  one 
independent member of our Board of Directors.

Corporate Governance Guidelines. The NYSE requires U.S. companies to adopt and disclose corporate governance guidelines. 
The  guidelines  must  address,  among  other  things:  director  qualification  standards,  director  responsibilities,  director  access  to 
management  and  independent  advisers,  director  compensation,  director  orientation  and  continuing  education,  management 
succession  and  an  annual  performance  evaluation.  We  are  not  required  to  adopt  such  guidelines  under  Bermuda  law  and  we 
have not adopted such guidelines.

Independence of Directors. The NYSE requires that a U.S. listed company maintain a majority of independent directors. As a 
Foreign  Private  Issuer,  we  are  exempt  from  this  rule  and  may  comply  with  it  voluntarily.  Our  Board  of  Directors  currently 
consists  of  five  directors,  three  of  which  are  considered  "independent"  according  to  NYSE's  standards  for  independence. 
However, as permitted under Bermuda law, our Board of Directors may in the future not consist of a majority of independent 
directors.

120

Compensation  Committee.  The  NYSE  requires  that  a  listed  U.S.  company  have  a  compensation  committee  of  independent 
directors.  As  a  Foreign  Private  Issuer  we  are  exempt  from  this  rule  and  may  comply  with  it  voluntarily.  As  permitted  under 
Bermuda law, our Compensation Committee may not consist entirely of independent directors. 

Solicitation  of  Proxies.  The  NYSE  requires  that  a  U.S.  company  solicit  proxies  and  provide  proxy  statements  for  all 
shareholder  meetings.  Such  company  must  also  provide  copies  of  its  proxy  solicitation  to  the  NYSE.  As  permitted  under 
Bermuda law and our bye-laws we do not currently solicit proxies or provide proxy materials to the NYSE. Our bye-laws also 
require that we notify our shareholders of meetings no less than five (5) days before the meeting. 

Quorum.  The NYSE “gives careful consideration” to provisions that fix a quorum for stockholders’ meetings that is less than a 
majority of outstanding shares, but in general the NYSE has not objected to reasonably lesser quorum requirements in cases 
where  the  companies  have  agreed  to  make  general  proxy  solicitations  for  future  meetings  of  shareholders.  The  Company 
follows applicable Bermuda laws with respect to quorum requirements. The Company’s quorum requirement is set forth in its 
bye-laws,  which  provide  that  a  quorum  for  the  transaction  of  business  at  any  meeting  of  shareholders  is  two  or  more 
shareholders either present in person or represented by proxy. If we only have one shareholder, then one shareholder present in 
person or proxy shall constitute the necessary quorum.

ITEM 16H.  MINE SAFETY DISCLOSURE

Not applicable.

121

PART III

ITEM 17.  FINANCIAL STATEMENTS

See Item 18.

ITEM 18.  FINANCIAL STATEMENTS

The following financial statements listed below and set forth on pages F-1 through F-67 are filed as part of this annual report:

Financial Statements: SFL Corporation Ltd.

Report of Independent Registered Public Accounting Firm

Consolidated Statements of Operations for the years ended December 31, 2020, 2019 and 2018

Consolidated Statements of Comprehensive Income for the years ended December 31, 2020, 2019 and 2018

Consolidated Balance Sheets as of December 31, 2020 and 2019

Consolidated Statements of Cash Flows for the years ended December 31, 2020, 2019 and 2018
Consolidated Statements of Changes in Stockholders' Equity for the years ended December 31, 2020, 2019 
and 2018

Notes to Consolidated Financial Statements

F-2

F-5

F-6

F-7

F-8

F-9

F-11

122

 
 
ITEM 19.               EXHIBITS

Number
1.1*

Description of Exhibit
Memorandum of Association of Ship Finance International Limited (the "Company"), incorporated by 
reference to Exhibit 3.1 of the Company's Registration Statement, SEC File No. 333-115705, filed on 
May 21, 2004 (the "Original Registration Statement").

1.2*

1.3*

1.4*

2.1*

2.2*

4.1*

4.2*

4.3*

4.4*

4.5*

4.6*

4.7*

4.8*

4.9*

4.11*

4.12*

4.13*

4.14*

4.15a*

4.15b*

Amended and Restated Bye-laws of the Company, as adopted on September 28, 2007, incorporated by 
reference to Exhibit 1 of the Company's 6-K filed on October 22, 2007.

Amended and Restated Bye-laws of the Company, as adopted on September 20, 2013, incorporated by 
reference to Exhibit 1.3 of the Company's 2014 Annual Report filed on Form 20-F on April 9, 2015. 

Amended and Restated Bye-laws of the Company, as adopted on September 23, 2016, incorporated by 
reference to Exhibit 1 of the Company's Form 6-K filed on September 29, 2016.

Form of Common Stock Certificate of the Company, incorporated by reference to Exhibit 4.1 of the 
Company's Original Registration Statement.

Description of Securities of the Company, incorporated by reference to Exhibit 2.2 of the Company's 
2019 Annual Report filed on Form 20-F on March 27, 2020.

Form of Performance Guarantee dated January 1, 2004, issued by Frontline Ltd, incorporated by 
reference to Exhibit 10.3 of the Company's Original Registration Statement.

Amendment No. 4 to Performance Guarantee dated January 1, 2004, incorporated by reference to Exhibit 
4.3 of the Company's 2009 Annual Report as filed on Form 20-F on April 1, 2010.

Form of Time Charter, incorporated by reference to Exhibit 10.4 of the Company's Original Registration 
Statement.

Form of Vessel Management Agreements, incorporated by reference to Exhibit 10.5 of the Company's 
Original Registration Statement.

Form of Charter Ancillary Agreement dated January 1, 2004, incorporated by reference to Exhibit 10.6 of 
the Company's Original Registration Statement.

Addendum No. 6 to Charter Ancillary Agreement dated January 1, 2004, incorporated by reference to 
Exhibit 4.8 of the Company's 2009 Annual Report as filed on Form 20-F on April 1, 2010.

Amendments dated August 21, 2007, to the Charter Ancillary Agreements, incorporated by reference to 
Exhibit 4.8 of the Company's 2007 Annual Report as filed on Form 20-F on March 17, 2008.

New Administrative Services Agreement dated November 29, 2007, incorporated by reference to Exhibit 
4.10 of the Company's 2007 Annual Report as filed on Form 20-F on March 17, 2008.

Share Option Scheme, incorporated by reference to Exhibit 2.2 of the Company's 2006 Annual Report as 
filed on Form 20-F on July 2, 2007.

Bond Agreement relating to Ship Finance International Limited Callable Senior Unsecured Bond Issue 
2010/2014, dated October 6, 2010 incorporated by reference to Exhibit 4.11 of the Company's 2010 
Annual Report filed on Form 20-F on March 25, 2011.

Bond Agreement relating to Ship Finance International Limited Senior Unsecured Callable Convertible 
Bond Issue 2011/2016, dated February 11, 2011 incorporated by reference to Exhibit 4.12 of the 
Company's 2010 Annual Report filed on Form 20-F on March 25, 2011.

Addendum No. 7 to Charter Ancillary Agreement dated January 1, 2004, incorporated by reference to 
Exhibit 4.13 of the Company's 2011 Annual Report filed on Form 20-F on April 27, 2012.

Addendum No. 3 to Charter Ancillary Agreement dated June 20, 2005, incorporated by reference to 
Exhibit 4.14 of the Company's 2011 Annual Report filed on Form 20-F on April 27, 2012.

Indenture by and among the Company, U.S. Bank National Association and Deutsche Bank Trust 
Company Americas, dated January 30, 2013, incorporated by reference to the Company's report on Form 
6-K filed on February 4, 2013.

First Supplemental Indenture by and among the Company, U.S. Bank National Association and Deutsche 
Bank Trust Company Americas, dated January 30, 2013, incorporated by reference to the Company's 
report on Form 6-K filed on February 7, 2013.

123

4.16*

4.17*

4.18*

4.19*

4.20*

4.21*

4.22*

4.23*

8.1

12.1

12.2

13.1

13.2

15.1

Bond Agreement relating to Ship Finance International Limited Callable Senior Unsecured Bond Issue 
2012/2017, dated October 16, 2012, incorporated by reference to the Company's 2013 Annual Report 
filed on Form 20-F on March 28, 2014.

Bond Agreement relating to Ship Finance International Limited Callable Senior Unsecured Bond Issue 
2014/2019, dated March 17, 2014, incorporated by reference to the Company's 2013 Annual Report filed 
on Form 20-F on March 28, 2014.

Amended and Restated Charter Ancillary Agreement among the Company, the vessel owning subsidiaries 
of the Company, Frontline Ltd. and Frontline Shipping Limited, dated June 5, 2015 incorporated by 
reference to the Company's 2015 Annual Report filed on Form 20-F on April 1, 2016.

Base Indenture relating to Ship Finance International Senior Unsecured Callable Convertible Bond Issue 
2016/2021 dated October 5, 2016, incorporated by reference to Exhibit 99.2 of the Company’s report on 
Form 6-K filed on October 7, 2016.

First Supplemental Indenture to Ship Finance International Senior Unsecured Callable Convertible Bond 
Issue 2016/2021 dated October 5, 2016, incorporated by reference to Exhibit 99.3 of the Company’s 
report on Form 6-K filed on October 7, 2016.

Restructuring Support and Lock-Up Agreement dated September 12, 2017, incorporated by reference to 
Exhibit 10.2 of Seadrill Limited's report on Form 6-K filed on September 13, 2017

Bond Agreement relating to Ship Finance International Limited Callable Senior Unsecured Bond Issue 
2017/2020, dated June 16, 2017.

Second Supplemental Indenture by and among Ship Finance International Ltd. And U.S. Bank National 
Association, as Trustee, dated April 23, 2018 to Indenture dated October 5, 2016 for 4.875% Convertible 
Senior Notes due 2023, incorporated by reference to Exhibit 99.2 of the Company’s report on Form 6-K 
filed on April 24, 2018

Significant Subsidiaries of the Company.

Certification of the Principal Executive Officer pursuant to Rule 13a-14(a) and Rule 15d-14(a) of the 
Securities Exchange Act of 1934, as amended.

Certification of the Principal Financial Officer pursuant to Rule 13a-14(a) and Rule 15d-14(a) of the 
Securities Exchange Act of 1934, as amended. 

Certification of the Principal Executive Officer pursuant to 18 USC Section 1350, as adopted pursuant to 
Section 906 of the Sarbanes-Oxley Act of 2002.

Certification of the Principal Financial Officer pursuant to 18 USC Section 1350, as adopted pursuant to 
Section 906 of the Sarbanes-Oxley Act of 2002.

Consent of Independent Registered Public Accounting Firm.

* Incorporated herein by reference.

101.INS

101.SCH

101.CAL

101.DEF

101.LAB

101.PRE

XBRL Instance Document

XBRL Taxonomy Extension Schema Document

XBRL Taxonomy Extension Schema Calculation Linkbase Document

XBRL Taxonomy Extension Schema Definition Linkbase Document

XBRL Taxonomy Extension Schema Label Linkbase Document

XBRL Taxonomy Extension Schema Presentation Linkbase Document

124

The  registrant  hereby  certifies  that  it  meets  all  of  the  requirements  for  filing  on  Form  20-F  and  that  it  has  duly  caused  and 
authorized the undersigned to sign this annual report on its behalf.

SIGNATURES

Date: March 22, 2021

SFL Corporation Ltd.
(Registrant)

By:

/s/ Aksel C. Olesen 
Aksel C. Olesen 
Principal Financial Officer

125

 
 
 
 
 
 
 
 
 
SFL Corporation Ltd.
Index to Consolidated Financial Statements

Report of Independent Registered Public Accounting Firm

Consolidated Statements of Operations for the years ended December 31, 2020, 2019 and 2018

Consolidated Statements of Comprehensive Income for the years ended December 31, 2020, 2019 and 2018

Consolidated Balance Sheets as of December 31, 2020 and 2019

Consolidated Statements of Cash Flows for the years ended December 31, 2020, 2019 and 2018

Consolidated Statements of Changes in Stockholders' Equity for the years ended December 31, 2020, 2019 
and 2018
Notes to the Consolidated Financial Statements

F-2

F-5

F-6

F-7

F-8

F-9

F-11

F-1

 
REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

To the Board of Directors and Stockholders of
SFL Corporation Ltd.

Opinions on the Financial Statements and Internal Control over Financial Reporting

We have audited the accompanying consolidated balance sheets of SFL Corporation Ltd and subsidiaries (the "Company") as of 
December  31,  2020  and  2019,  and  the  related  consolidated  statements  of  operations,  comprehensive  income,  changes  in 
stockholders' equity, and cash flows for each of the years in the three-year period ended December 31, 2020, and the related 
notes (collectively referred to as the financial statements). We also have audited the Company's internal control over financial 
reporting as of December 31, 2020, based on criteria established in Internal Control— Integrated Framework (2013) issued by 
the Committee of Sponsoring Organizations of the Treadway Commission ("COSO"). 

In  our  opinion,  the  consolidated  financial  statements  referred  to  above  present  fairly,  in  all  material  respects,  the  financial 
position of SFL Corporation Ltd and subsidiaries as of December 31, 2020 and 2019, and the results of their operations and 
their  cash  flows  for  each  of  the  years  in  the  three-year  period  ended  December  31,  2020,  in  conformity  with  accounting 
principles generally accepted in the United States of America. Also, in our opinion, the Company maintained, in all material 
respects, effective internal control over financial reporting as of December 31, 2020, based on criteria established in Internal 
Control—Integrated Framework (2013) issued by the COSO.

Basis for Opinion

The  Company's  management  is  responsible  for  these  consolidated  financial  statements,  for  maintaining  effective  internal 
control over financial reporting, and for its assessment of the effectiveness of internal control over financial reporting, included 
in the accompanying Management's annual report on internal controls over financial reporting. Our responsibility is to express 
an opinion on these consolidated financial statements and an opinion on the Company's internal control over financial reporting 
based on our audits. We are a public accounting firm registered with the Public Company Accounting Oversight Board (United 
States)  ("PCAOB")  and  are  required  to  be  independent  with  respect  to  the  Company  in  accordance  with  the  U.S.  federal 
securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.

We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the 
audits  to  obtain  reasonable  assurance  about  whether  the  consolidated  financial  statements  are  free  of  material  misstatement, 
whether  due  to  error  or  fraud,  and  whether  effective  internal  control  over  financial  reporting  was  maintained  in  all  material 
respects. 

Our audits of the consolidated financial statements included performing procedures to assess the risks of material misstatement 
of  the  financial  statements,  whether  due  to  error  or  fraud,  and  performing  procedures  that  respond  to  those  risks.    Such 
procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the consolidated financial 
statements. Our audits also included, evaluating the accounting principles used and significant estimates made by management, 
as  well  as    evaluating  the  overall  presentation  of  the  consolidated  financial  statements.  Our  audit  of  internal  control  over 
financial  reporting  included  obtaining  an  understanding  of  internal  control  over  financial  reporting,  assessing  the  risk  that  a 
material  weakness  exists,  and  testing  and  evaluating  the  design  and  operating  effectiveness  of  internal  control  based  on  the 
assessed risk. Our audits also included performing such other procedures as we considered necessary in the circumstances. We 
believe that our audits provide a reasonable basis for our opinions.

F-2

 
 
 
Definition of Limitations of Internal Control over Financial Reporting

A  company's  internal  control  over  financial  reporting  is  a  process  designed  to  provide  reasonable  assurance  regarding  the 
reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally 
accepted  accounting  principles.  A  company's  internal  control  over  financial  reporting  includes  those  policies  and  procedures 
that  (1)  pertain  to  the  maintenance  of  records  that,  in  reasonable  detail,  accurately  and  fairly  reflect  the  transactions  and 
dispositions of the assets of the company; (2) provide reasonable assurance that transactions are recorded as necessary to permit 
preparation  of  financial  statements  in  accordance  with  generally  accepted  accounting  principles,  and  that  receipts  and 
expenditures  of  the  company  are  being  made  only  in  accordance  with  authorizations  of  management  and  directors  of  the 
company;  and  (3)  provide  reasonable  assurance  regarding  prevention  or  timely  detection  of  unauthorized  acquisition,  use,  or 
disposition of the company's assets that could have a material effect on the financial statements.

Because  of  its  inherent  limitations,  internal  control  over  financial  reporting  may  not  prevent  or  detect  misstatements.  Also, 
projections  of  any  evaluation  of  effectiveness  to  future  periods  are  subject  to  the  risk  that  controls  may  become  inadequate 
because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.

Critical Audit Matters

The critical audit matters communicated below are matters arising from the current period audit of the consolidated financial 
statements that were communicated or required to be communicated to the audit committee and that: (1) relate to accounts or 
disclosures that are material to the consolidated financial statements and (2) involved our especially challenging, subjective, or 
complex  judgments.  The  communication  of  critical  audit  matters  does  not  alter  in  any  way  our  opinion  on  the  consolidated 
financial statements, taken as a whole, and we are not, by communicating the critical audit matters below, providing separate 
opinions on the critical audit matters or on the accounts or disclosures to which they relate.
Evaluation of potential impairment indicators for long-lived assets

As  discussed  in  Note  2  to  the  consolidated  financial  statements,  the  Company  reviews  long-lived  assets  for  impairment 
whenever  events  or  changes  in  circumstances  indicate  that  the  carrying  amount  of  the  assets  may  no  longer  be  recoverable 
(triggering events).  Recoverability of the vessel classes is measured by a comparison of the carrying amount of the assets to 
future net cash flows expected to be generated by the assets. If such assets are considered to be impaired, the impairment to be 
recognized is measured by the amount by which the carrying amount of the assets exceeds the fair value of the assets.

We identified the evaluation of potential impairment indicators for long-lived assets to be a critical audit matter.  Evaluating the 
Company’s judgments in determining whether a triggering event exists required a high degree of subjective auditor judgment 
and an increased extent of effort, including the need to involve valuation specialists.

The  primary  procedures  we  performed  to  address  this  critical  audit  matter  included  the  following.  We  tested  certain  internal 
controls over the Company’s process to identify and assess triggering events that may indicate that the carrying amount of a 
long-lived  asset  may  no  longer  be  recoverable.  These  included  controls  related  to  the  consideration  of  forecasted  to  actual 
operating results and market conditions in the determination of a triggering event. We evaluated the Company’s identification 
of triggering events, including future expected revenues from executed contracts with customers. We compared data used by the 
Company  noting  that  such  factors  included  both  internal  and  external  factors  to  analyst  and  industry  reports.  We  evaluated 
responses as to factors considered and evaluated whether the Company omitted any significant internal or external factors in 
their evaluation. We evaluated the credentials, expertise and reports of independent valuation experts retained by the Company 
to estimate the charter-free value of long-lived assets. We evaluated the Company’s data and assumptions to ensure consistency 
with audit evidence obtained.

Accounting for investments in variable interest entities
As  discussed  in  Note  2  to  the  consolidated  financial  statements,  the  Company  reviews  its  subsidiaries  and  other  entities  in 
which  it  has  variable  interest  in  order  to  assess  whether  the  entity  is  a  variable  interest  entity  (VIE)  and,  if  so,  who  should 
consolidate the entity (the primary beneficiary). The classification of an entity as a VIE is based upon an analysis as to whether 
either  (a)  the  total  equity  at  risk  is  not  sufficient  to  permit  the  entity  to  finance  its  activities  without  additional  subordinated 
support; (b) equity interest holders as a group lack either i) the power to direct the activities of the entity that most significantly 
impact  on  its  economic  success,  ii)  the  obligation  to  absorb  the  expected  losses  of  the  entity,  or  iii)  the  right  to  receive  the 
expected  residual  returns  of  the  entity;  or  (c)  the  voting  rights  of  some  investors  in  the  entity  are  not  proportional  to  their 
economic interests and the activities of the entity involve or are conducted on behalf of an investor with a disproportionately 
small  voting  interest.  The  primary  beneficiary  of  a  VIE  will  consolidate  the  operations  of  that  entity,  irrespective  of  their 
proportionate ownership of the VIE.

F-3

 
 
We identified the accounting for investments in variable interest entities to be a critical audit matter. Evaluating the Company’s 
judgments  in  determining  whether  an  entity  is  a  VIE  and  the  primary  beneficiary  of  each  VIE  required  a  high  degree  of 
complex auditor judgment.

The  primary  procedures  we  performed  to  address  this  critical  audit  matter  included  the  following.  We  tested  certain  internal 
controls over the Company’s process to identify a VIE and assess the variable interests of each VIE. These included controls 
related to the consideration of various interests in an entity, and contemporaneous documentation of the consideration of those 
interests.  We  also  evaluated  the  Company’s  documentation  including  the  assessments  made  as  to  the  relative  importance  of 
variable  interests  held  by  the  Company  and  other  parties.  We  evaluated  the  factors  considered  and  evaluated  whether  the 
Company omitted any significant potential variable interests in their evaluation. We evaluated the accounting entries made to 
record the results of those VIEs in which the Company was a primary beneficiary and of those VIEs which were owned by the 
Company and for which another entity was the primary beneficiary. We also evaluated the Company’s data and assumptions to 
ensure consistency with audit evidence obtained.

/s/ MSPC
Certified Public Accountants and Advisors,
A Professional Corporation

We have served as the Company’s auditor since 2004.

New York, New York
March 22, 2021 

F-4

 
 
SFL Corporation Ltd.

 CONSOLIDATED STATEMENTS OF OPERATIONS
for the years ended December 31, 2020, 2019 and 2018 
(in thousands of $, except per share amounts)

2020

2019

2018

Operating revenues
Interest income related parties – direct financing leases
Interest income other – sales-type, direct financing leases and leaseback assets
Service revenue related parties – direct financing leases
Profit sharing revenues – related parties
Profit sharing income – other
Time charter revenues – related parties
Time charter revenues – other
Bareboat charter revenues – other
Voyage charter revenues – other
Other operating income

Total operating revenues

Gain/(loss) on sale of assets and termination of charters, net
Gain on sale of subsidiaries, operating

Operating expenses
Vessel operating expenses – related parties
Vessel operating expenses – other
Depreciation
Vessel impairment charge
Administrative expenses – related parties
Administrative expenses – other

Total operating expenses

Net operating (loss)/income

Non-operating income / (expense)
Interest income – related parties, long term loans to associated companies
Interest income – related parties, other
Interest income – other
Interest expense –  related parties
Interest expense – other
(Loss)/gain on investments in debt and equity securities

Gain on purchase of  bonds and debt extinguishment 

Gain on settlement of related party loan notes 
Dividend income – related parties
Gain on sale of subsidiaries,  non-operating

Other financial items, net

Net (loss)/income before equity in earnings of associated companies
Equity in earnings of associated companies

Net (loss)/income

Per share information:
Basic (loss)/earnings per share
Weighted average number of shares outstanding, basic
Diluted (loss)/earnings per share
Weighted average number of shares outstanding, diluted
Cash dividend per share declared and paid

1,744 
69,472 
6,903 
18,677 
3,892 
51,954 
268,635 
7,863 
37,287 
4,620 

471,047 

2,250 
— 

30,276 
125,367 
111,279 
333,149 
1,178 
10,222 

611,471 

(138,174) 

11,925 
599 
876 
— 
(135,442) 
(22,453) 

67,533 

4,446 
6,030 
1,894 

(25,945) 

(228,711) 
4,286 

(224,425) 

3,796 
56,524 
9,855 
5,615 
— 
51,132 
288,019 
23,490 
17,617 
2,801 

458,849 

— 
— 

33,092 
101,342 
116,381 
60,054 
1,484 
8,719 

321,072 

137,777 

14,128 
1,642 
4,294 
— 
(145,058) 
67,701 

1,802 

— 
2,590 
— 

(12,753) 

72,123 
17,054 

89,177 

9,623 
30,055 
22,095 
1,779 
— 
53,258 
239,468 
36,222 
24,339 
1,873 

418,712 

(2,578) 
7,613 

45,266 
83,282 
104,079 
64,338 
1,072 
8,095 

306,132 

117,615 

14,128 
880 
2,943 
(6,378) 
(107,508) 
25,754 

1,146 

— 
— 
— 

10,407 

58,987 
14,635 

73,622 

$ 

$ 

$ 

(2.06)  $ 

0.83  $ 

108,972

107,614

(2.06)  $ 

0.83  $ 

108,972  

107,696 

1.00  $ 

1.40  $ 

0.70 
105,898
0.69 
107,606 
1.40 

The accompanying notes are an integral part of these consolidated financial statements. 

F-5

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
SFL Corporation Ltd.

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
for the years ended December 31, 2020, 2019 and 2018 
(in thousands of $)

Comprehensive (loss)/income, net of tax

Net (loss)/income

Fair value adjustments to hedging financial instruments

Earnings reclassification of previously deferred fair value adjustments to 
hedging financial instruments

2020

2019

2018

(224,425) 

(7,695) 

89,177 

(12,748) 

73,622 

(3,433) 

1,059 

— 

(3,127) 

Fair value adjustments to investment securities classified as available-for-sale

(4,608) 

(2,190) 

2,244 

Earnings reclassification of previously deferred fair value adjustments to 
investment securities classified as available-for-sale securities

Fair value adjustments to hedging financial instruments in associated 
companies

Other comprehensive income/(loss)

Other comprehensive loss, net of tax

Comprehensive (loss)/income

4,888 

2,181 

— 

— 

55 

(6,301) 

(230,726) 

— 

(6) 

(12,763) 

76,414 

(206) 

(74) 

(4,596) 

69,026 

 The accompanying notes are an integral part of these consolidated financial statements.

F-6

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
SFL Corporation Ltd.

CONSOLIDATED BALANCE SHEETS
as of December 31, 2020 and 2019 
(in thousands of $)

2020

2019

ASSETS

Current assets
Cash and cash equivalents
Restricted cash
Investment in debt and equity securities
Due from related parties
Trade accounts receivable
Other receivables
Inventories
Prepaid expenses and accrued income
Investment in sales-type leases, direct financing leases and leaseback assets, current portion
Financial instruments at fair value, current portion

Total current assets
Vessels and equipment, net
Vessels under finance lease, net
Investment in sales-type leases, direct financing leases and leaseback assets, long-term portion
Investment in associated companies
Loans and long term receivables from related parties including associates
Other long-term assets
Financial instruments at fair value, long-term portion

Total assets

LIABILITIES AND STOCKHOLDERS' EQUITY
Current liabilities
Short-term debt and current portion of long-term debt
Finance lease liability, current portion
Due to related parties
Trade accounts payable
Accrued expenses
Financial instruments at fair value, current portion
Other current liabilities

Total current liabilities
Long-term liabilities
Long-term debt
Finance lease liability, long-term portion
Financial instruments at fair value, long-term portion
Other long-term liabilities

Total liabilities

Commitments and contingent liabilities

215,445 
8,953 
28,805 
7,718 
6,666 
22,024 
8,808 
2,597 
55,420 
— 

356,436 
1,240,698 
697,380 
622,123 
27,297 
123,910 
21,961 
3,406 

3,093,211 

484,956 
48,887 
2,724 
1,247 
21,060 
1,572 
16,085 

576,531 

1,164,113 
524,200 
32,712 
4 

2,297,560 

199,521 
3,495 
74,079 
22,399 
4,583 
20,132 
7,934 
1,635 
56,189 
520 

390,487 
1,404,705 
714,476 
938,198 
42,161 
327,616 
64,248 
3,479 

3,885,370 

253,059 
68,874 
3,980 
3,445 
17,132 
6,067 
13,279 

365,836 

1,355,029 
1,037,553 
20,579 
4 

2,779,001 

Stockholders' equity
Share capital ($0.01 par value; 300,000,000 shares authorized; 127,810,064 shares issued and 
outstanding at December 31, 2020). ($0.01 par value; 200,000,000 shares authorized; 
119,391,310 shares issued and outstanding at December 31, 2019).
Additional paid-in capital
Contributed surplus
Accumulated other comprehensive loss
Accumulated deficit

Total stockholders' equity

Total liabilities and stockholders' equity

1,278 
531,382 
539,370 
(19,316) 
(257,063) 

795,651 

3,093,211 

1,194 
469,426 
648,764 
(13,015) 
— 

1,106,369 

3,885,370 

The accompanying notes are an integral part of these consolidated financial statements.

F-7

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
SFL Corporation Ltd.

 CONSOLIDATED STATEMENTS OF CASH FLOWS
for the years ended December 31, 2020, 2019 and 2018 
(in thousands of $)

Operating activities
Net (loss)/income

Adjustments to reconcile net (loss)/income to net cash provided by operating activities:
Depreciation
Amortization of deferred charges
Amortization of seller's credit
Amortization of deferred charter revenue 
Vessel impairment charge
Long-term assets impairment charge
Adjustment of derivatives to fair value recognized in net income
Loss/(gain) on investments in debt and equity securities
Equity in earnings of associated companies
(Gain)/loss on sale of assets and termination of charters
Gain on sale of subsidiaries
Repayments from investment in sales-type, direct financing and leaseback assets 
Gain on repurchase of bonds
Loss on early termination of swaps
Other, net

Changes in operating assets and liabilities

Trade accounts receivable
Due from related parties
Other receivables and other current assets
Inventories
Prepaid expenses and accrued income
Trade accounts payable
Accrued expenses and other current liabilities

Net cash provided by operating activities
Investing activities

Repayments from investment in direct financing and sales-type leases
Additions to direct financing leases and leaseback assets
Purchase of vessels, capital improvements and other additions
Proceeds from sale of vessels and termination of charters
Proceeds from sale of subsidiaries, net of cash disposed of
Net amounts received from/(paid to) associated companies
Proceeds from sale of shares
Other investments and long-term assets, net

Net cash provided by/(used in) investing activities
Financing activities

Repayments of lease obligation liability
Proceeds from issuance of short-term and long-term debt
Repayments of short-term and long-term debt
Repurchase of bonds
Proceeds from finance leases
Discount received on debt repurchased
Debt fees paid
Payment for early settlements of interest rate swaps, net
Principal settlements of cross currency swaps, net
Proceeds from shares issued, net of issuance costs
Cash dividends paid

Net cash (used in)/provided by financing activities
Net change in restricted cash and cash and cash equivalents
Cash, restricted cash and cash equivalents at start of the year
Cash, restricted cash and cash equivalents at end of the year
Supplemental disclosure of cash flow information:
Interest paid, net of capitalized interest

2020

2019

2018

(224,425)   

89,177 

73,622 

111,279 
9,040 
— 
6,641 
333,149 
— 
20,432 
22,453 
(4,286)   
(2,250)   
(1,894)   
60,590 
(67,533)   
4,538 
(6,559)   

(2,352)   
21,035 
(2,628)   
(873) 
(962) 
(2,198)   
3,278 
276,475 

— 
(65,030)   
(55,016)   
210,920 
14,676 
31,467 
23,661 
15,661 
176,339 

(68,599)   
397,231 
(624,588)   
(66,570)   
— 
— 
(4,752)   
(4,539)   
(11,706)   
61,485 
(109,394)   
(431,432)   
21,382 
203,016 
224,398 

116,381 
8,085 
(103) 
5,406 
60,054 
9,168 
3,449 
(67,701)   
(17,054)   
— 
— 
44,143 
(1,802)   
— 
(4,620)   

(1,608)   
5,652 
(7,088)   
613 
958 
1,500 
5,097 
249,707 

— 

(211,065)   
(39,326)   
— 
— 
15,925 
82,783 
(18,198)   
(169,881)   

(63,663)   
458,781 
(208,538)   
(80,749)   
— 
1,654 
(4,261)   
— 
(41,769)   
— 

(150,659)   
(89,204)   
(9,378)   

212,394 
203,016 

104,079 
10,187 
(447) 
1,699 
64,338 
1,730 
(13,898) 
(25,754) 
(14,635) 
2,578 
(7,613) 
— 
(1,146) 
— 
1,108 

9,607 
(1,308) 
(4,027) 
(3,423) 
(301) 
2,370 
2,209 
200,975 

33,486 
— 
(1,137,703) 
145,654 
83,485 
(24,161) 
— 
32,675 
(866,564) 

(11,653) 
825,984 
(778,731) 
(97,248) 
944,097 
— 
(8,257) 
— 
— 
— 
(149,261) 
724,931 
59,342 
153,052 
212,394 

71,476 

72,344 

104,620 

Details of non-cash investing and financing activities are provided in Note 22 - Share Capital, Additional Paid-In Capital And Contributed Surplus. 
The accompanying notes are an integral part of these consolidated financial statements.

F-8

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
SFL Corporation Ltd.

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY
for the years ended December 31, 2020, 2019 and 2018 
(in thousands of $, except number of shares)

Number of shares outstanding

At beginning of year

Shares issued

At end of year

Share capital

At beginning of year

Shares issued

At end of year
Additional paid-in capital

At beginning of year

Amortization of stock-based compensation

Stock-based compensation forfeitures

Shares issued- share option, dividend reinvestment and other schemes

Shares issued- consideration paid on vessel acquisition

Shares issued- conversion of 3.25% convertible bonds due 2018

Adjustment to equity component of 3.25% convertible bond due 2018 arising 
from reacquisition of bonds

Recognition of equity component arising from issuance of 4.875% convertible 
bonds due 2023

Adjustment to equity component of convertible notes due 2021 and 2023 
arising from reacquisition of bonds

At end of year
Contributed surplus

At beginning of year

Dividends declared 

At end of year
Accumulated other comprehensive loss

At beginning of year

Fair value adjustments to hedging financial instruments
Earnings reclassification of previously deferred fair value adjustments to 
hedging financial instruments

Fair value adjustments to available-for-sale securities

Earnings reclassification of previously deferred fair value adjustments to 
available-for-sale securities

Reclassification of unrealized losses upon adopting of ASU 2016-01

Reclassification of ineffective portion of designated hedging instruments upon 
adoption of ASU 2017-12

Other comprehensive income/(loss)

At end of year (for breakdown see below)
Accumulated other comprehensive loss – associated companies

At beginning of year

Fair value adjustment to hedging financial instruments
At end of year (consists entirely of fair value adjustments to hedging financial 
instruments)

F-9

2020

2019

2018

  119,391,310 

  119,373,064 

  110,930,873 

8,418,754 

18,246 

8,442,191 

  127,810,064 

  119,391,310 

  119,373,064 

1,194 

84 

1,278 

1,194 

— 

1,194 

1,109 

85 

1,194 

469,426 

468,844 

403,659 

966 

(96) 

61,400 

— 

— 

— 

— 

896 

(83) 

— 

— 

— 

— 

— 

(314) 

(231) 

531,382 

469,426 

648,764 

(109,394) 

539,370 

(13,015) 

(7,695) 

1,059 

(4,608) 

4,888 

— 

— 

55 

680,703 

(31,939) 

648,764 

(220) 

(12,748) 

— 

(2,190) 

2,181 

— 

(32) 

(6) 

(19,316) 

(13,015) 

— 

— 

— 

— 

— 

— 

454 

(33) 

— 

57,960 

9,927 

(9,933) 

7,906 

(1,096) 

468,844 

680,703 

— 

680,703 

(94,612) 

(3,433) 

(3,127) 

2,244 

— 

98,782 

— 

(74) 

(220) 

206 

(206) 

— 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(Accumulated deficit)/retained earnings

At beginning of year

Impact of adoption of ASU 2016-13

Reclassification of unrealized losses upon adoption of ASU 2016-01

Reclassification of ineffective portion of designated hedges and instruments 
upon adoption of ASU 2017-12

Net (loss)/ income

Dividends declared

At end of year

Total stockholders' equity

2020

2019

2018

— 

29,511 

203,932 

(32,638) 

— 

— 

— 

— 

32 

(224,425) 

89,177 

— 

(98,782) 

— 

73,622 

— 

(118,720) 

(149,261) 

(257,063) 

— 

29,511 

795,651 

1,106,369 

1,180,032 

Accumulated other comprehensive loss 

2020

2019

2018

Fair value adjustments to hedging financial instruments relating to interest rate 
swaps

Fair value adjustments to hedging financial instruments relating to cross 
currency swaps

Fair value adjustments to hedging financial instruments relating to combined 
cross currency interest rate swaps

Reclassification of unrealized losses upon adoption of ASU 2017-12

Fair value adjustments to available-for-sale securities

Other items

(5,564) 

(1,514) 

6,714 

(7,162) 

(7,289) 

(7,076) 

(7,146) 

(4,433) 

(32) 

915 

(327) 

(32) 

635 

(382) 

(126) 

— 

644 

(376) 

(220) 

Accumulated other comprehensive loss

(19,316) 

(13,015) 

The accompanying notes are an integral part of these consolidated financial statements.

F-10

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
SFL Corporation Ltd.
Notes to the Consolidated Financial Statements

1.

GENERAL

SFL  Corporation  Ltd.  ("SFL"  or  the  "Company")  is  an  international  maritime  and  offshore  asset  owning  and  chartering 
company,  incorporated  in  October  2003  in  Bermuda  as  a  Bermuda  exempted  company.  The  Company's  common  shares  are 
listed  on  the  New  York  Stock  Exchange  under  the  symbol  "SFL".  The  Company  is  primarily  engaged  in  the  ownership, 
operation and chartering out of vessels and offshore related assets on medium and long-term charters.

As of December 31, 2020, the Company owned two very large crude oil carriers ("VLCCs"), two Suezmax crude oil carriers, 
five Supramax dry bulk carriers, seven Handysize dry bulk carriers, two Kamsarmax dry bulk carriers, eight Capesize dry bulk 
carriers,  45  container  vessels  (including  four  chartered-in  19,200  and  19,400  twenty-foot  equivalent  units  ("TEU")  container 
vessels and seven 10,600 TEU and 13,800 TEU container vessels financed through sale and leaseback), two car carriers, one 
jack-up  drilling  rig,  two  ultra-deepwater  drilling  units,  two  chemical  tankers  and  two  oil  product  tankers.    In  addition,  the 
Company has one VLCC and three container vessels which are accounted for as leaseback assets (see Note 16 Investments in 
sales-type leases, direct financing leases and leaseback assets).

As of December 31, 2020, one of the two ultra-deepwater drilling unit referred to above is owned by wholly-owned subsidiaries 
of  the  Company  that  is  accounted  for  using  the  equity  method.  In  addition,  from  December  31,  2020,  the  four  chartered-in 
19,200 and 19,400 TEU container vessels referred to above were included in an entity accounted for using the equity method 
following the sale of 50.1% of the shares of its holding company. (see Note 17: Investment in associated companies).

Since the Company's incorporation in 2003 and public listing in 2004, SFL has established itself as a leading international ship 
and offshore asset owning and chartering company, expanding both its asset and customer base.

F-11

 
 
 
 
 
2.

ACCOUNTING POLICIES

 Basis of Accounting

The consolidated financial statements are prepared in accordance with accounting principles generally accepted in the United 
States  ("US  GAAP").  The  consolidated  financial  statements  include  the  assets  and  liabilities  and  results  of  operations  of  the 
Company  and  its  subsidiaries.  All  inter-company  balances  and  transactions  have  been  eliminated  on  consolidation.  Where 
necessary, comparative figures for previous years have been reclassified to conform to changes in presentation in the current 
year.

Consolidation of variable interest entities

A variable interest entity is defined in Accounting Standards Codification ("ASC") Topic 810 "Consolidation" ("ASC 810") as 
a  legal  entity  where  either  (a)  the  total  equity  at  risk  is  not  sufficient  to  permit  the  entity  to  finance  its  activities  without 
additional subordinated support; (b) equity interest holders as a group lack either i) the power to direct the activities of the entity 
that most significantly impact on its economic success, ii) the obligation to absorb the expected losses of the entity, or iii) the 
right  to  receive  the  expected  residual  returns  of  the  entity;  or  (c)  the  voting  rights  of  some  investors  in  the  entity  are  not 
proportional to their economic interests and the activities of the entity involve or are conducted on behalf of an investor with a 
disproportionately small voting interest.

ASC 810 requires a variable interest entity to be consolidated by its primary beneficiary, being the interest holder, if any, which 
has  both  (1)  the  power  to  direct  the  activities  of  the  entity  which  most  significantly  impact  on  the  entity's  economic 
performance, and (2) the right to receive benefits or the obligation to absorb losses from the entity which could potentially be 
significant to the entity.

The  Company  evaluates  its  subsidiaries,  and  any  other  entities  in  which  it  holds  a  variable  interest,  in  order  to  determine 
whether  the  Company  is  the  primary  beneficiary  of  the  entity,  and  where  it  is  determined  that  the  Company  is    the  primary 
beneficiary the Company fully consolidate the entity.

Use of accounting estimates

The preparation of financial statements in accordance with US GAAP requires management to make estimates and assumptions 
that  affect  the  reported  amounts  of  assets  and  liabilities  and  disclosure  of  contingent  assets  and  liabilities  at  the  date  of  the 
consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results 
could differ from those estimates.

Revenue and expense recognition

Effective from January 1, 2018, the Company adopted the new accounting standard ASC Topic 606 "Revenue from Contracts 
with Customers" using the modified retrospective method, which resulted in no adjustment to our retained earnings on adoption 
and  comparative  information  has  not  been  restated  and  continues  to  be  reported  under  the  accounting  standards  in  effect  for 
those periods.

The  Company  generates  its  revenues  from  the  charter  hire  of  its  vessels  and  offshore  related  assets,  and  freight  billings. 
Revenues  are  generated  from  time  charter  hire,  bareboat  charter  hire,  direct  financing  lease  interest  income,  sales-type  lease 
interest income, leaseback assets interest income, direct financing lease service revenues, profit sharing arrangements, voyage 
charters and other freight billings.

F-12

 
 
 
 
 
 
 
 
In a time charter voyage, the vessel is hired by the charterer for a specified period of time in exchange for consideration which 
is based on a daily hire rate. Generally, the charterer has the discretion over the ports visited, shipping routes and vessel speed. 
The contract/charter party generally provides typical warranties regarding the speed and performance of the vessel. The charter 
party generally has some owner protective restrictions such that the vessel is sent only to safe ports by the charterer and carries 
only  lawful  or  non-hazardous  cargo.  In  a  time  charter  contract,  we  are  responsible  for  all  the  costs  incurred  for  running  the 
vessel  such  as  crew  costs,  vessel  insurance,  repairs  and  maintenance,  lubrication  oil  and  other  costs  relevant  to  operate  the 
vessel.  The  charterer  bears  the  voyage  related  costs  such  as  bunker  expenses,  port  charges,  and  canal  tolls  during  the  hire 
period. The performance obligations in a time charter contract are satisfied over the term of the contract beginning when the 
vessel is delivered to the charterer until it is redelivered back to us. The charterer generally pays the charter hire in advance of 
the  upcoming  contract  period.  The  time  charter  contracts  are  either  operating  or  direct  financing  or  sales  type  leases.  Where 
time  charters  and  bareboat  charters  are  considered  operating  leases,  revenues  are  recorded  over  the  term  of  the  charter  as  a 
service is provided. When a time charter contract is linked to an index, we recognize revenue for the applicable period based on 
the actual index for that period. 

Rental  payments  from  direct  financing  and  sales-type  leases  and  leaseback  assets  are  allocated  between  service  revenues,  if 
applicable, interest income and capital repayments. The amount allocated to lease service revenue is based on the estimated fair 
value, at the time of entering the lease agreement, of the services provided which consist of ship management and operating 
services.

In a voyage charter contract, the charterer hires the vessel to transport a specific agreed-upon cargo for a single voyage. The 
consideration in such a contract is determined on the basis of a freight rate per metric ton of cargo carried or occasionally on a 
lump  sum  basis.  The  charterer  is  responsible  for  any  short  loading  of  cargo  or  "dead"  freight.  The  voyage  charter  party 
generally has standard payment terms with freight paid on completion of discharge. The voyage charter party generally has a 
"demurrage" clause. As per this clause, the charterer reimburses us for any potential delays exceeding the allowed laytime as 
per the charter party clause at the ports visited, which is recorded as voyage revenue. Estimates and judgments are required in 
ascertaining the most likely outcome of a particular voyage and actual outcomes may differ from estimates. Such estimate is 
reviewed and updated over the term of the voyage charter contract. In a voyage charter contract, the performance obligations 
begin to be satisfied once the vessel begins loading the cargo.

We  have  determined  that  our  voyage  charter  contracts  consist  of  a  single  performance  obligation  of  transporting  the  cargo 
within a specified time period. Therefore, the performance obligation is met evenly as the voyage progresses, and the revenue is 
recognized  on  a  straight  line  basis  over  the  voyage  days  from  the  commencement  of  loading  to  completion  of  discharge. 
Contract assets with regards to voyage revenues are reported as "Voyages in progress" as the performance obligation is satisfied 
over time. Voyage revenues typically become billable and due for payment on completion of the voyage and discharge of the 
cargo, at which point the receivable is recognized as "Trade accounts receivable, net".

In a voyage contract, the Company bears all voyage related costs such as fuel costs, port charges and canal tolls. To recognize 
costs incurred to fulfill a contract as an asset, the following criteria shall be met: (i) the costs relate directly to the contract, (ii) 
the costs generate or enhance resources of the entity that will be used in satisfying performance obligations in the future and 
(iii) the costs are expected to be recovered. The costs incurred during the period prior to commencement of loading the cargo, 
primarily bunkers, are deferred as they represent setup costs and recorded as a current asset and are subsequently amortized on a 
straight-line  basis  as  we  satisfy  the  performance  obligations  under  the  contract.  Costs  incurred  to  obtain  a  contract,  such  as 
commissions, are also deferred and expensed over the same period.

For  our  vessels  operating  under  revenue  sharing  agreements,  or  in  pools,  revenues  and  voyage  expenses  are  pooled  and 
allocated to each pool’s participants in accordance with an agreed-upon formula. Revenues generated through revenue sharing 
agreements are presented gross when we are considered the principal under the charter parties with the net income allocated 
under the revenue sharing agreement presented as within voyage charter income. For revenue sharing agreements that meet the 
definition of a lease, we account for such contracts as variable rate operating leases and recognize revenue for the applicable 
period based on the actual net revenue distributed by the pool.

As  detailed  in  Note  24:  Related  party  transactions,  the  Company  has,  or  has  had,  profit  sharing  arrangements  with  Frontline 
Shipping  Limited  ("Frontline  Shipping"),  Golden  Ocean  Group  Limited  ("Golden  Ocean").  The  Company  also  had  profit 
sharing agreements with Deep Sea Supply Shipowning II AS (the “Solstad Charterer”), a wholly owned subsidiary of Solship 
Invest  3  AS  (“Solship”,  formerly  Deep  Sea  Supply  Plc,  or  Deep  Sea).  Amounts  receivable  under  these  arrangements  are 
accrued on the basis of amounts earned at the reporting date.

Any  contingent  elements  of  rental  income,  such  as  profit  share,  fuel  saving  payments  and  interest  rate  adjustments,  are 
recognized when the contingent conditions have materialized.

F-13

Foreign currencies

The Company's functional currency is the U.S. dollar as the majority of revenues are received in U.S. dollars and the majority 
of the Company's expenditures are made in U.S. dollars. The Company's reporting currency is also the U.S. dollar. Most of the 
Company's subsidiaries report in U.S. dollars. Transactions in foreign currencies during the year are translated into U.S. dollars 
at the rates of exchange in effect at the date of the transaction. Foreign currency monetary assets and liabilities are translated 
using  rates  of  exchange  at  the  balance  sheet  date.  Foreign  currency  non-monetary  assets  and  liabilities  are  translated  using 
historical  rates  of  exchange.  Foreign  currency  transaction  gains  or  losses  are  included  under  "Other  financial  items"  in  the 
consolidated statements of operations. 

Cash and cash equivalents

For  the  purposes  of  the  consolidated  statements  of  cash  flows,  all  demand  and  time  deposits  and  highly  liquid,  low  risk 
investments with original maturities of three months or less are considered equivalent to cash.

Restricted cash

Restricted cash consists of cash which may only be used for certain purposes and is held under a contractual arrangement. The 
Company classifies restricted cash as short-term and a current asset if the cash is restricted for less than a year. Otherwise, the 
restricted cash is classified as long-term. 

Investment in debt and equity securities

Investments  in  debt  and  equity  securities  include  share  investments  and  interest-earning  listed  and  unlisted  corporate  bonds. 
Any premium paid on their acquisition is amortized over the life of the bond. Investments in debt securities are recorded at fair 
value, with unrealized gains and losses recorded as a separate component of other comprehensive income. 

Investments  in  equity  securities  are  recorded  at  fair  value,  with  unrealized  gains  and  losses  recorded  in  the  consolidated 
statement of operations. 

If circumstances arise which lead the Company to believe that the issuer of a corporate bond may be unable meet its payment 
obligations  in  full,  or  that  the  fair  value  at  acquisition  of  the  share  investment  or  corporate  bond  may  otherwise  not  be  fully 
recoverable, then to the extent that a loss is expected to arise that unrealized loss is recorded as an impairment in the statement 
of  operations,  with  an  adjustment  if  necessary  to  any  unrealized  gains  or  losses  previously  recorded  in  other  comprehensive 
income. In determining whether the Company has an other-than-temporary impairment in its investment in bonds, in addition to 
the  Company’s  intention  and  ability  to  hold  the  investments  until  the  market  recovers,  the  Company  considers  the  period  of 
decline, the amount and the severity of the decline and the ability of the investment to recover in the near to medium term. The 
Company also evaluates if the underlying security provided by the bonds is sufficient to ensure that the decline in fair value of 
these bonds did not result in an other-than-temporary impairment. 

The  cost  of  disposals  or  reclassifications  from  other  comprehensive  income  is  calculated  on  an  average  cost  basis,  where 
applicable.

The fair value of unlisted corporate bonds is determined from an analysis of projected cash flows, based on factors including 
the terms, provisions and other characteristics of the bonds, credit ratings and default risk of the issuing entity, the fundamental 
financial and other characteristics of that entity, and the current economic environment and trading activity in the debt market.

Investments in associated companies

Investments in affiliates in which the Company has significant influence but does not exercise control are accounted for using 
the equity method of accounting. Under the equity method, the Company records its investments in equity-method investees on 
the consolidated balance sheets as "Investment in associated companies" and its share of  the nonconsolidated affiliate's income 
or  loss  is  recognized  in  the  consolidated  statement  of  operations  as  "Equity  in  earnings  of  associated  companies".  The 
cumulative post-acquisition changes in the investment are adjusted against the carrying amount of the investment. 

As of December 31, 2020, one ultra-deepwater drilling unit owned by wholly-owned subsidiaries of the Company is accounted 
for using the equity method of accounting as it has been determined under ASC 810 that they are a variable interest entity in 
which SFL is not the primary beneficiary.  (see Note 17: Investment in associated companies).

F-14

 
 
 
 
In addition, on December 31, 2020, the Company sold 50.1% of the shares of River Box to a subsidiary of Hemen, a related 
party. The Company has accounted for its remaining 49.9% ownership in River Box using the equity method from this date. 
(see Note 17: Investment in associated companies).

Allowance for expected credit losses

The balances recorded in respect of Trade receivables, Other receivables, Related party receivables, Other long term assets and 
Investments in sales-type leases, direct financing leases and leaseback assets reflect the risk that our customers may fail to meet 
their payment obligations and the risk that the underlying asset value of the vessels and rigs could be less than the unguaranteed 
residual value.

The  Company  estimates  the  expected  risk  of  loss  over  the  remaining  life  using  a  probability  of  default  and  net  exposure 
analysis. The probability of default is estimated based on historical cumulative default data, adjusted for current conditions of 
similarly risk-rated counterparties over the contractual term. The net exposure is estimated based on the exposure, net of the 
estimated value of the underlying vessels and rigs in the instance of Investments in sales-type leases, direct financing leases and 
leaseback assets, over the contractual term.

Current  expected  credit  loss  provisions  are  classified  as  expenses  in  the  Consolidated  Statement  of  Operations,  with  a 
corresponding  allowance  for  credit  loss  amount  reported  as  a  reduction  in  the  related  balance  sheet  amount  of  Trade 
receivables,  Other  receivables,  Related  party  receivables,  Other  long  term  assets  and  Investments  in  sales-type  leases,  direct 
financing leases and leaseback assets. Partial or full recoveries of amounts previously written off are generally recognized as a 
reduction in the provision for credit losses.

Trade accounts receivable

The amount shown as trade accounts receivable at each balance sheet date includes receivables due from customers for hire of 
vessels and offshore related assets, net of allowance for expected credit losses. 

Inventories

Inventories are comprised principally of fuel and lubricating oils and are stated at the lower of cost and net realizable value. 
Cost is determined on a first-in first-out basis.

Vessels and equipment (including operating lease assets)

Vessels  and  equipment  are  recorded  at  historical  cost  less  accumulated  depreciation  and,  if  appropriate,  impairment  charges. 
The  cost  of  these  assets  less  estimated  residual  value  is  depreciated  on  a  straight-line  basis  over  the  estimated  remaining 
economic useful life of the asset. The estimated economic useful life of our offshore drilling rigs is 30 years and for all other 
vessels it is 25 years. 

Where an asset is subject to an operating lease that includes fixed price purchase options, the projected net book value of the 
asset is compared to the option price at the various option dates. If any option price is less than the projected net book value at 
an option date, the initial depreciation schedule is amended so that the carrying value of the asset is written down on a straight 
line  basis  to  the  option  price  at  the  option  date.  If  the  option  is  not  exercised,  this  process  is  repeated  so  as  to  amortize  the 
remaining carrying value, on a straight line basis, to the estimated scrap recycling value or the option price at the next option 
date, as appropriate.

This accounting policy for fixed assets has the effect that if an option is exercised there will be either a) no gain or loss on the 
sale of the asset or b) in the event that the option is exercised at a price in excess of the net book value at the option date, a gain 
will be reported in the statement of operations at the date of delivery to the new owners, under the heading "gain on sale of 
assets and termination of charters".

F-15

 
 
 
 
The Company capitalizes and depreciates the costs of significant replacements, renewals and upgrades to its vessels over the 
shorter  of  the  vessel’s  remaining  useful  life  or  the  life  of  the  renewal  or  upgrade.  The  amount  capitalized  is  based  on 
management’s judgment as to expenditures that extend a vessel’s useful life or increase the operational efficiency of a vessel. 
Costs  that  are  not  capitalized  are  recorded  as  a  component  of  direct  vessel  operating  expenses  during  the  period  incurred. 
Expenses for routine maintenance and repairs are expensed as incurred. Advances paid in respect of vessel upgrades in relation 
to Exhaust Gas Cleaning Systems ("EGCS" or "scrubbers")  and Ballast water treatment systems ("BWTS") are included within 
"other long-term assets", until such time as the equipment is installed on a vessel, at which point it is transferred to "Vessels and 
equipment, net".

Office equipment is depreciated at 20% per annum on a reducing balance basis.

Vessels and equipment under finance lease

The Company charters-in certain vessels and equipment under leasing agreements. Leases of vessels and equipment, where the 
Company  has  substantially  all  the  risks  and  rewards  of  ownership,  are  classified  as  "vessels  under  finance  lease",  with 
corresponding lease liabilities recorded. 

The Company capitalizes and depreciates the costs of significant replacements, renewals and upgrades to its vessels over the 
shorter  of  the  vessel’s  remaining  useful  life  or  the  life  of  the  renewal  or  upgrade.  The  amount  capitalized  is  based  on 
management’s judgment as to expenditures that extend a vessel’s useful life or increase the operational efficiency of a vessel. 
Costs  that  are  not  capitalized  are  recorded  as  a  component  of  direct  vessel  operating  expenses  during  the  period  incurred. 
Expenses for routine maintenance and repairs are expensed as incurred. Advances paid in respect of vessel upgrades in relation 
to EGCS and BWTS are included within "other long-term assets", until such time as the equipment is installed on a vessel, at 
which point it is transferred to "Vessels under finance lease, net".

Depreciation of vessels and equipment under finance lease is included within "Depreciation" in the consolidated statement of 
operations.  Vessels  and  equipment  under  finance  lease  are  depreciated  on  a  straight-line  basis  over  the  vessels'  remaining 
economic useful lives or on a straight-line basis over the term of the lease. The method applied is determined by the criteria by 
which the lease has been assessed to be a finance lease.

Newbuildings

The carrying value of vessels under construction ("newbuildings") represents the accumulated costs to the balance sheet date 
which  the  Company  has  paid  by  way  of  purchase  installments  and  other  capital  expenditures  together  with  capitalized  loan 
interest and associated finance costs. No charge for depreciation is made until a newbuilding is put into operation.

Capitalized interest

Interest expense is capitalized during the period of construction of newbuilding vessels based on accumulated expenditures for 
the applicable vessel at the Company's capitalization rate of interest. The amount of interest capitalized in an accounting period 
is determined by applying an interest rate (the "capitalization rate") to the average amount of accumulated expenditures for the 
vessel  during  the  period.  The  capitalization  rate  used  in  an  accounting  period  is  based  on  the  rates  applicable  to  borrowings 
outstanding during the period. The Company does not capitalize amounts in excess of actual interest expense incurred in the 
period. No interest was capitalized in the cost of newbuildings in the year ended December 31, 2020 (2019: $0.0 million; 2018: 
$0.0 million). 

Investment in sales-type leases and direct financing leases

Leases  (charters)  of  our  vessels  where  we  are  the  lessor  are  classified  as  either  direct  financing,  sales-type  leases,  operating 
leases, or leaseback assets based on an assessment of the terms of the lease. For charters classified as direct financing leases, the 
minimum lease payments (reduced in the case of time-chartered vessels by projected vessel operating costs) plus the estimated 
residual value of the vessel are recorded as the gross investment in the direct financing lease.

F-16

 
 
 
For  direct  financing  leases,  the  difference  between  the  gross  investment  in  the  lease  and  the  carrying  value  of  the  vessel  is 
recorded as unearned lease interest income. The net investment in the lease consists of the gross investment less the unearned 
income.  Over  the  period  of  the  lease  each  charter  payment  received,  net  of  vessel  operating  costs  if  applicable,  is  allocated 
between "lease interest income" and "repayment of investment in lease" in such a way as to produce a constant percentage rate 
of return on the balance of the net investment in the direct financing lease. Thus, as the balance of the net investment in each 
direct financing lease decreases, a lower proportion of each lease payment received is allocated to lease interest income and a 
greater proportion is allocated to lease repayment. For direct financing leases relating to time chartered vessels, the portion of 
each  time  charter  payment  received  that  relates  to  vessel  operating  costs  is  classified  as  "service  revenue  -  direct  financing 
leases".

For sales-type leases, the difference between the gross investment in the lease and the present value of its components, i.e. the 
minimum  lease  payments  and  the  estimated  residual  value,  is  recorded  as  unearned  lease  interest  income.  The  discount  rate 
used  in  determining  the  present  values  is  the  interest  rate  implicit  in  the  lease.  The  present  value  of  the  minimum  lease 
payments, computed using the interest rate implicit in the lease, is recorded as the sales price, from which the carrying value of 
the vessel at the commencement of the lease is deducted in order to determine the profit or loss on sale. As is the case for direct 
financing  leases,  the  unearned  lease  interest  income  is  amortized  to  income  over  the  period  of  the  lease  so  as  to  produce  a 
constant periodic rate of return on the net investment in the lease.

The Company adopted ASC 842 Leases on  January 1, 2019 (which replaced ASC 840 Leases) using the modified retrospective 
transition  approach,  which  allows  the  Company  to  recognize  a  cumulative  effect  adjustment  to  the  opening  balance  of 
accumulated deficit in the period of adoption rather than restate our comparative prior year periods. The Company elected the 
package of practical expedients applied to all of its leases (including those for which it is a lessee and lessor) that permit it not 
to  (i)  reassess  whether  any  expired  or  existing  contracts  are  or  contain  leases;  (ii)  reassess  the  lease  classification  for  any 
expired or existing leases , (iii) reassess initial direct costs for any existing leases and (iv) to not separate lease and non-lease 
components  of  lease  revenue.  Furthermore,  the  Company  has  not  elected  the  practical  expedient  to  use  hindsight  when 
determining the lease term.

For leases entered into on or after January 1, 2019, any difference between the fair value of the leased asset and the costs results 
in a selling profit or loss. A selling profit is recognized at lease commencement for sales-type leases and over the lease term for 
direct financing leases. Selling loss is recognized at lease commencement for both sales-type and direct financing leases. The 
fair value is considered to be the cost of acquiring the vessel unless a significant period has elapsed between the acquisition of 
the vessel and the commencement of the lease. 

Where a sales-type lease, direct financing lease or leaseback asset charter arrangement containing fixed price purchase options, 
the projected carrying value of the net investment in the lease is compared to the option price at the various option dates. If any 
option price is less than the projected net investment in the lease at an option date, the rate of amortization of unearned lease 
interest income is adjusted to reduce the net investment to the option price at the option date. If the option is not exercised, this 
process is repeated so as to reduce the net investment in the lease to the un-guaranteed residual value or the option price at the 
next option date, as appropriate.

This accounting policy for investments in direct financing or sales-type leases or leaseback assets has the effect that if an option 
is exercised there will either be a) no gain or loss on the exercise of the option or b) in the event that an option is exercised at a 
price in excess of the net investment in the lease at the option date, a gain will be reported in the statement of operations at the 
date of delivery to the new owners.

If the terms of an existing lease are agreed to be amended, the modification is evaluated to consider if it is a contract which 
occurs  when  the  modification  grants  the  lessee  an  additional  right-of-use  not  included  in  the  original  lease  and  the  lease 
payments increase commensurate with the standalone price for the additional right of use, adjusted for the circumstances of the 
particular contract. If both conditions are met, the amendments are treated as a separate lease. If the conditions are not met, the 
lease is re-evaluated under ASC 842, as a new lease with the new terms. 

F-17

 
 
Leaseback assets

From  January  1,  2019,  any  vessels  purchased  and  leased  back  to  the  same  party  are  evaluated  under  ASC  842.  If  control  is 
deemed not to have passed to the Company as purchaser, due for example to the lessee having purchase options, the transaction 
is accounted for under ASC 310 where the purchase price paid is accounted for as loan receivable and described as a leaseback 
asset. Interest income is recognized on the aggregate loan receivable based on the imputed interest rate and the part of the rental 
income received is allocated as a reduction of the vessel loan balance. 

Any purchase and leaseback transactions entered into before January 1, 2019, were accounted for as leases under ASC 840 and 
no changes have been made as the Company applied the practical expedients in ASC 842.

Finance lease liability

The Company charters-in seven container vessels through sale and leaseback financing arrangements with corresponding lease 
assets classified as "vessels under finance lease". Leases of vessels and equipment, where the Company has substantially all the 
risks and rewards of ownership, are classified as finance lease liabilities. Each lease payment is allocated between reduction in 
liability and finance charges to achieve a constant rate on the capital balance outstanding. The interest element of the capital 
cost is charged to the Consolidated Statement of Operations over the lease period. 

Impairment of long-lived assets, including other long-term investments

The  carrying  value  of  long-lived  assets,  including  other  long-term  investments,  that  are  held  by  the  Company  are  reviewed 
whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. For vessels, 
such  indicators  may  include  historically  low  spot  charter  rates  and  second  hand  vessel  values.  The  Company  assesses 
recoverability  of  the  carrying  value  of  the  asset  by  estimating  the  future  net  cash  flows  expected  to  result  from  the  asset, 
including eventual disposition, taking into account the possibility of any existing medium and long-term charter arrangements 
being terminated early. If the future expected net cash flows are less than the carrying value of the asset, an impairment loss is 
recorded equal to the difference between the carrying value of the asset and its fair value. In addition, long-lived assets to be 
disposed of are reported at the lower of carrying amount and fair value less estimated costs to sell. Fair value is generally based 
on values achieved for the sale/purchase of similar vessels and external appraisals.

Deferred charges

Loan costs, including debt arrangement fees, are capitalized and amortized on a straight line basis over the term of the relevant 
loan.  The  straight  line  basis  of  amortization  approximates  the  effective  interest  method  in  the  Company's  statement  of 
operations. Amortization of loan costs is included in interest expense. If a loan is repaid early, any unamortized portion of the 
related deferred charges is charged against income in the period in which the loan is repaid. Similarly, if a portion of a loan is 
repaid early, the corresponding portion of the unamortized related deferred charges is charged against income in the period in 
which the early repayment is made.

Convertible bonds

The  Company  accounts  for  debt  instruments  with  convertible  features  in  accordance  with  the  details  and  substance  of  the 
instruments  at  the  time  of  their  issuance.  For  convertible  debt  instruments  issued  at  a  substantial  premium  to  equivalent 
instruments without conversion features, or those that may be settled in cash upon conversion, it is presumed that the premium 
or cash conversion option represents an equity component. Accordingly, the Company determines the carrying amounts of the 
liability and equity components of such convertible debt instruments by first determining the carrying amount of the liability 
component by measuring the fair value of a similar liability that does not have an equity component. The carrying amount of 
the  equity  component  representing  the  embedded  conversion  option  is  then  determined  by  deducting  the  fair  value  of  the 
liability component from the total proceeds from the issue. The resulting equity component is recorded, with a corresponding 
offset to debt discount which is subsequently amortized to interest cost using the effective interest method over the period the 
debt is expected to be outstanding as an additional non-cash interest expense. Transaction costs associated with the instrument 
are allocated pro-rata between the debt and equity components. 

For conventional convertible bonds which do not have a cash conversion option or where no substantial premium is received on 
issuance, it may not be appropriate to split the bond into the liability and equity components. 

F-18

 
 
 
 
A  conversion  of  the  bonds  at  more  favorable  terms  than  the  original  bond  is  treated  as  an  inducement  and  the  Company 
recognizes  a  debt  conversion  expense  equal  to  the  fair  value  of  all  securities  and  other  consideration  transferred  in  the 
transaction in excess of the fair value of securities or consideration issuable pursuant to the original conversion terms.

Financial instruments

In determining the fair value of its financial instruments, the Company uses a variety of methods and assumptions that are based 
on  market  conditions  and  risks  existing  at  each  balance  sheet  date.  For  the  majority  of  financial  instruments,  including  most 
derivatives  and  long-term  debt,  standard  market  conventions  and  techniques  such  as  options  pricing  models  are  used  to 
determine fair value. All methods of assessing fair value result in a general approximation of value, and such value may never 
actually be realized.

Interest rate and currency swaps
The Company enters into interest rate swap transactions from time to time to hedge a portion of its exposure to floating interest 
rates. These transactions involve the conversion of floating interest rates into fixed rates over the life of the transactions without 
an  exchange  of  underlying  principal.  The  Company  also  enters  into  currency  swap  transactions  from  time  to  time  to  hedge 
against the effects of exchange rate fluctuations on loan liabilities. Currency swap transactions involve the exchange of fixed 
amounts of other currencies for fixed US dollar amounts over the life of the transactions, including an exchange of underlying 
principal. The Company may also enter into a combination of interest and currency swaps "cross currency interest rate swaps". 
The fair values of the interest rate and currency swap contracts, including cross currency interest rate swaps, are recognized as 
assets  or  liabilities.  When  the  interest  rate  or  currency  swap  does  not  qualify  for  hedge  accounting  under  ASC  Topic  815 
"Derivatives  and  Hedging"  ("ASC  815"),  changes  in  fair  values  are  recognized  in  the  consolidated  statements  of  operations. 
When the interest rate and/or currency swap or combination, qualifies for hedge accounting under ASC Topic 815 "Derivatives 
and Hedging" ("ASC 815"), and the Company has formally designated the swap as a hedge to the underlying loan, and when 
the hedge is effective, the changes in the fair value of the swap are recognized in other comprehensive income. If it becomes 
probable that the hedged forecasted transaction to which these swaps relate will not occur, the amounts in other comprehensive 
income will be reclassified into earnings immediately.

Drydocking provisions

Normal  vessel  repair  and  maintenance  costs  are  charged  to  expense  when  incurred.  The  Company  recognizes  the  cost  of  a 
drydocking at the time the drydocking takes place, that is, it applies the "expense as incurred" method.

Earnings per share

Basic earnings per share ("EPS") is computed based on the income available to common stockholders and the weighted average 
number of shares outstanding for basic EPS. Diluted EPS includes the effect of the assumed conversion of potentially dilutive 
instruments.

Share-based compensation

The  Company  accounts  for  share-based  payments  in  accordance  with  ASC  Topic  718  "Compensation  –  Stock 
Compensation" ("ASC 718"), under which the fair value of stock options issued to employees is expensed over the period in 
which the options vest. The Company uses the simplified method for making estimates of the expected term of stock options.

Recently Adopted Accounting Standards

In June 2016, the FASB issued Accounting Standards Update 2016-13, Financial Instruments - Credit Losses: Measurement of 
Credit  Losses  on  Financial  Instruments  (or  ASU  2016-13).  ASU  2016-13  introduces  a  new  credit  loss  methodology,  which 
requires earlier recognition of potential credit losses, while also providing additional transparency about credit risk. This new 
credit loss methodology utilizes a lifetime “expected credit loss” measurement objective for the recognition of credit losses for 
loans,  held-to-maturity  debt  securities  and  other  receivables  at  the  time  the  financial  asset  is  originated  or  acquired.  The 
expected credit losses are subsequently adjusted each period for changes in expected lifetime credit losses. This methodology 
replaces multiple impairment methods under previous GAAP for these types of assets, which generally required that a loss be 
incurred before it was recognized.

F-19

 
 
 
 
 
 
 
The Company and its 100% owned subsidiaries accounted as "Investments and Deficit in Associated Companies" adopted this 
update  on  January  1,  2020  using  the  modified-retrospective  approach,  whereby  a  cumulative  effect  adjustment  was  made  to 
reduce retained earnings on January 1, 2020 without any retroactive application to prior periods. On adoption, the Company 
recognized a cumulative adjustment of $32.6 million to its retained earnings with corresponding decreases in the carrying value 
of  equity-accounted  investments  of  $27.0  million  (see  Note  17:  Investment  in  Associated  Companies),  and  decreases  the 
carrying  value  of  Trade  receivables,  Other  receivables,  Related  party  receivables,  Other  long  term  assets  and  Investments  in 
sales-type leases, direct financing leases and leaseback assets totaling $5.6 million (see Note 26: Allowance for expected credit 
losses).

In August 2018, the FASB issued ASU 2018-13 "Fair Value Measurement (Topic 820): Disclosure Framework - Changes to the 
Disclosure Requirements for Fair Value Measurement". ASU 2018-13 includes certain removals, modifications and additions to 
the disclosure requirements on fair value measurements in Topic 820. The updated guidance is effective for fiscal years, and 
interim  periods  beginning  after  December  15,  2019.  The  adoption  of  ASU  2018-13  did  not  have  a  material  effect  on  the 
consolidated financial statements.

In  October  2018,    the  FASB  issued  ASU  No.  2018-16  "Derivatives  and  Hedging  (Topic  815):  Inclusion  of  the  Secured 
Overnight  Financing  Rate  (SOFR)  Overnight  Index  Swap  (OIS)  Rate  as  a  Benchmark  Interest  Rate  for  Hedge  Accounting 
Purposes."  In  the  United  States,  eligible  benchmark  interest  rates  under  Topic  815  are  interest  rates  on  direct  Treasury 
obligations of the U.S. government (UST), the London Interbank Offered Rate (LIBOR) swap rate, and the Overnight Index 
Swap  (OIS)  Rate  based  on  the  Federal  Funds  Effective  Rate.  When  the  FASB  issued  ASU  No.  2017-12,  Derivatives  and 
Hedging  (Topic  815):  Targeted  Improvements  to  Accounting  for  Hedging  Activities,  in  August  2017,  it  introduced  the 
Securities  Industry  and  Financial  Markets  Association  (SIFMA)  Municipal  Swap  Rate  as  the  fourth  permissible  U.S. 
benchmark rate. The new ASU adds the OIS rate based on SOFR as a U.S. benchmark interest rate to facilitate the LIBOR to 
SOFR transition and provide sufficient lead time for entities to prepare for changes to interest rate risk hedging strategies for 
both  risk  management  and  hedge  accounting  purposes.  ASU  2018-16  was  effective  for  fiscal  years  and  interim  periods 
beginning after December 15, 2019. The adoption of ASU 2018-16 did not have a material effect on the consolidated financial 
statements.

In April 2019, the FASB issued ASU No. 2019-04 "Codification Improvements to Topic 326, Financial Instruments - Credit 
Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments" to clarify and improve areas of guidance 
related to the recently issued standards on credit losses, hedging, and recognition and measurement. ASU 2019-04 was effective 
as of the beginning of the first annual reporting period beginning after April 25, 2019 for amendments to ASU 2017-12 and for 
fiscal and interim periods beginning after December 15, 2019 for amendments relating to ASU 2016-01 and ASU 2016-13. The 
impact of adopting ASU 2016-13 is shown above, the adoption of the remaining provisions of ASU 2019-04 had no further a 
material effect on the consolidated financial statements.

In  May  2019,  the  FASB  issued  ASU  No.  2019-05  "Financial  Instruments  -  Credit  Losses  (Topic  326):  Targeted  Transition 
Relief"  to  provide  an  option  to  irrevocably  elect  the  fair  value  option  for  certain  financial  assets  previously  measured  at 
amortized cost basis. ASU 2019-05 was effective for fiscal years and interim periods beginning after December 15, 2019. The  
impact of adopting ASU 2016-13 and any related improvements is shown above, the adoption of the remaining provisions of 
ASU 2019-05 had no further material effect on its consolidated financial position, results of operations and cash flows.

F-20

3.

RECENTLY ISSUED ACCOUNTING STANDARDS

In March 2020, the FASB issued ASU 2020-04, Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference 
Rate  Reform  on  Financial  Reporting.  ASC  848  provided  temporary  optional  expedients  and  exceptions  to  the  U.S.  GAAP 
guidance  on  contract  modifications  and  hedge  accounting  to  reduce  the  financial  reporting  burden  in  light  of  the  market 
transition  from  London  Interbank  Offered  Rates  (“LIBOR”)  and  other  reference  interest  rates  to  alternative  reference  rates. 
Under  ASC  848,  companies  can  elect  not  to  apply  certain  modification  accounting  requirements  to  contracts  affected  by 
reference  rate  reform  if  certain  criteria  are  met.  An  entity  that  makes  this  election  would  not  be  required  to  remeasure  the 
contracts at the modification date or reassess a previous accounting determination. The amendments of ASC 848 apply only to 
contracts,  hedging  relationships  and  other  transactions  that  reference  LIBOR  or  another  reference  rate  expected  to  be 
discontinued because of reference rate reform. In January 2021, the FASB issued ASU 2021-01, which clarified the scope of 
Topic 848 in relation to derivative instruments and contract modifications. The amendments in these updates are elective and 
are subject to meeting certain criteria, that have contracts, hedging relationships, and other transactions that reference LIBOR or 
another  reference  rate  expected  to  be  discontinued  because  of  reference  rate  reform.  The  amendments  in  these  updates  are 
effective for all entities since March 12, 2020 through to December 31, 2022. The Company has determined that the reference 
rate reform will impact its floating rate debt facilities and interest rate swaps contracts. The Company expects to take advantage 
of the expedients and exceptions for applying GAAP provided by the updates when LIBOR is discontinued and replaced with 
alternative reference rates.

In  August  2020,  the  FASB  issued  ASU  No.  2020-06,  "Accounting  for  Convertible  Instruments  and  Contracts  in  an  Entity's 
Own  Equity"  ("ASU  2020-06").  This  new  standard  changes  the  accounting  and  measurement  of  convertible  instruments.  It 
eliminates  the  treasury  stock  method  for  convertible  instruments  and  requires  application  of  the  “if-converted”  method  for 
certain  agreements.  This  standard  is  effective  for  the  Company  beginning  January  1,  2022.  The  Company  is  currently 
evaluating the impact of ASU 2020-06 on its interest expense and earnings (loss) per share calculation under the "if-converted" 
method related to its convertible debt.

4.

SEGMENT INFORMATION

The  Company  has  only  one  reportable  segment.  The  Company's  assets  operate  on  a  world-wide  basis  and  the  Company's 
management does not evaluate performance by geographical region or by asset type, as they believe that any such information 
would not be meaningful.

5.

TAXATION

Bermuda

Under  current  Bermudan  law,  the  Company  is  not  required  to  pay  taxes  in  Bermuda  on  either  income  or  capital  gains.  The 
Company has received written assurance from the Minister of Finance in Bermuda that, in the event of any such taxes being 
imposed, the Company will be exempted from taxation until the year 2035.

United States

The Company does not accrue U.S. income taxes as, in the opinion of U.S. counsel, the Company is not engaged in a U.S. trade 
or business and is exempted from a gross basis tax under Section 883 of the U.S. Internal Revenue Code.

A reconciliation between the income tax expense resulting from applying statutory income tax rates and the reported income tax 
expense has not been presented herein, as it would not provide additional useful information to users of the financial statements 
as the Company's net income is subject to neither Bermuda nor U.S. tax.

Other Jurisdictions 

Certain  of  the  Company's  subsidiaries  and  branches  in  Norway  and  the  United  Kingdom  are  subject  to  income  tax  in  their 
respective jurisdictions. The tax paid by subsidiaries of the Company that are subject to income tax is not material.

F-21

 
 
 
 
 
 
 
 
 
6.

EARNINGS (LOSS) PER SHARE

The  computation  of  basic  earnings  (loss)  per  share  ("EPS")  is  based  on  the  weighted  average  number  of  shares  outstanding 
during  the  year  and  the  consolidated  net  income  or  loss  of  the  Company.  Diluted  EPS  includes  the  effect  of  the  assumed 
conversion of potentially dilutive instruments.

The components of the numerator for the calculation of basic and diluted EPS are as follows:

(in thousands of $)

Basic earnings (loss) per share:

Net (loss)/income available to stockholders

Diluted earnings (loss) per share:

Net (loss)/income available to stockholders

Year ended December 31,

2020

2019

2018

(224,425)   

89,177 

73,622 

(224,425)   

89,177 

73,622 

123 

73,745 

Interest and other expenses/(gains) attributable to convertible bonds

— 

(304)   

Net (loss)/income assuming dilution

(224,425)   

88,873 

The components of the denominator for the calculation of basic and diluted EPS are as follows:

(in thousands)

Basic earnings per share:

Year ended December 31,

2020

2019

2018

Weighted average number of common shares outstanding*

108,972 

107,614 

105,898 

Diluted earnings per share:

Weighted average number of common shares outstanding*

108,972 

107,614 

105,898 

Effect of dilutive share options

Effect of dilutive convertible bonds
Weighted average number of common shares outstanding assuming 
dilution

— 

— 

81 

1 

59 

1,649 

108,972 

107,696 

107,606 

Basic (loss)/earnings per share:

Diluted (loss)/earnings per share:

Year ended December 31,

2020

(2.06)  $ 

(2.06)  $ 

2019

0.83  $ 

0.83  $ 

2018

0.70 

0.69 

$ 

$ 

*The  weighted  average  number  of  common  shares  outstanding  excludes  8,000,000  shares  issued  as  part  of  a  share  lending 
arrangement  relating  to  the  Company's  issuance  of  5.75%  senior  unsecured  convertible  bonds  in  October  2016.  It  also 
excludes  3,765,842  shares  issued  as  of  December  31,  2020  from  up  to  7,000,000  shares  issuable  under  a  share  lending 
arrangement relating to the Company's issuance of 4.875% senior unsecured convertible bonds in April and May 2018. These 
lent shares are owned by the Company and will be returned on or before maturity of the bonds in 2021 and 2023, respectively.

As of December 31, 2020, the outstanding balances on the 4.875% senior unsecured convertible bonds issued in April and May 
2018 and the 5.75% senior unsecured convertible bonds issued in October 2016 were both anti-dilutive.

As of December 31, 2019, the outstanding balances on the 4.875% senior unsecured convertible bonds issued in April and May 
2018 and the 5.75% senior unsecured convertible bonds issued in October 2016 were both anti-dilutive.

In February 2018, the Company redeemed the full outstanding amount under the 3.25% senior unsecured convertible bonds due 
2018.  The  remaining  outstanding  principal  amount  of  $63.2  million  was  paid  in  cash,  and  the  premium  settled  in  common 
shares with the issue of 651,365 new shares.

F-22

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
7.

OPERATING LEASES

Rental income

The  minimum  future  revenues  to  be  received  under  the  Company's  non-cancelable  operating  leases  on  its  vessels  as  of  
December 31, 2020, are as follows: 

Year ending December 31,

(in thousands of $)

2021

2022

2023

2024

2025

Thereafter

Total minimum lease revenues

345,881 

318,085 

332,149 

250,045 

45,799 

119,019 

1,410,978 

The minimum future revenues above are based on payments receivable from the charterers and do not include contingent rental 
income. Revenues included in income are recognized on a straight-line basis.

Contingent rental income

As at December 31, 2020, the Company had installed scrubbers or EGCS on 14 vessels accounted for as operating leases (five 
container vessels, seven capesize bulk carriers and two suezmax tankers), and three container vessels accounted for as finance 
leases.  As  part  of  the  agreement  for  the  installation  of  scrubbers  on  the  five  container  vessels,  which  were  on  time-charter 
contract, accounted for as operating leases, it was agreed that the Company will receive contingent income based on the cost 
savings  achieved  by  the  charterer  on  fuel  arising  from  using  the  scrubbers  from  January  1,  2020.  During  the  year  ended 
December 31, 2020, the Company recorded an income of $3.9 million in connection with the cost savings agreement.

The cost and accumulated depreciation of vessels (owned and under finance leases) leased to third parties on non-cancelable 
operating leases at December 31, 2020 and 2019 were as follows:

(in thousands of $)
Cost
Accumulated depreciation
Total

2020
2,245,889 
465,033 
1,780,856 

2019
2,100,533 
315,934 
1,784,599 

8.

GAIN/(LOSS)  ON SALE OF ASSETS AND TERMINATION OF CHARTERS

The Company has recorded gains/losses on sale of assets and termination of charters as follows:

(in thousands of $)

Gain/(loss) on sale of vessels

Gain on termination of charters

Total Gain/(loss) on sale of assets 

Year ended December 31,

2020

2,250

—

2,250

2019

—

—

—

2018

(2,578)

—

(2,578)

The  Company  distinguishes  between  gains  or  losses  on  termination  of  charters,  where  ownership  of  the  underlying  vessel  is 
retained,  and  gains  or  losses  on  sale  of  assets,  where  the  vessel  is  disposed  of  and  there  may  be  an  associated  charter 
termination fee paid or received for early termination of the underlying charter.

F-23

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Gain/(loss) on sale of vessels:

During the year ended December 31, 2020, the VLCC Front Hakata, which was accounted for as a direct financing lease asset, 
was  sold  to  an  unrelated  third  party.  A  gain  of  $1.4  million  was  recorded  on  the  disposal.  The  Company  received  net  sale 
proceeds of $30.3 million, net of $3.2 million compensation paid for early termination of the charter (see Note 24: Related party 
transactions).

The four offshore support vessels Sea Cheetah, Sea Jaguar, Sea Halibut and Sea Pike, which were accounted for as operating 
lease assets, were sold to an unrelated third party for total net sale proceeds of $4.3 million. A gain of $0.9 million was recorded 
on the disposal during the year ended December 31, 2020.   

The offshore support vessel Sea Leopard, which was accounted for as a direct financing lease asset, was sold to an unrelated 
third party for recycling. A loss of $0.03 million was recorded on the disposal during the year ended December 31, 2020. 

The  VLCCs  Hunter  Atla,  Hunter  Saga  and  Hunter  Laga,  which  were  accounted  for  as  leaseback  assets,  were  sold  to  an 
unrelated third party for total net sale proceeds of $176.2 million. The Company recorded no gain or loss on the sale of these 
vessels during the year ended December 31, 2020 as the sale proceeds equaled their carrying value at date of sale. 

No gain or loss on sale of assets and termination of charters was recorded during the year ended December 31, 2019. 

During  the  year  ended  December  31,  2018,  the  VLCC  Front  Circassia,  which  was  accounted  for  as  a  direct  financing  lease 
asset, was sold to an unrelated third party. A loss of $1.4 million was recorded on the disposal, the proceeds of which included 
$17.9 million gross sales proceeds and compensation in the form of a loan note of $4.4 million at fair value was received for the 
early termination of the charter. This loan note was settled in February 2020 (see Note 24: Related party transactions). 

The container vessel SFL Avon, which was accounted for as an operating lease asset, was sold to an unrelated third party during 
the year ended December 31, 2018 for a loss of $0.2 million on disposal. 

The VLCCs Front Page, Front Stratus and Front Serenade, which were accounted for as direct financing lease assets during 
the year ended December 31, 2018, were sold to a related party, ADS Maritime Holding. Gains of $0.3 million, $0.2 million 
and $0.3 million were recorded on the disposal of the vessels, respectively. The gross proceeds from the sale were $22.5 million 
per vessel in addition to compensation, in the form of loan notes of $3.4 million each, received for the early termination of the 
charters. These loan notes were settled in February 2020 (see Note 24: Related party transactions).

During the year ended December 31, 2018, the VLCCs Front Ariake and Front Falcon, which were accounted for as a direct 
financing lease assets, were sold to an unrelated third party. A gain of $1,000 and a loss of $1.8 million was recorded on the 
disposals  respectively,  and  compensation  in  the  form  of  a  loan  note  of  $3.4  million  at  fair  value  was  received  for  the  early 
termination  of  the  Front  Ariake  charter.  This  loan  note  was  fully  settled  in  February  2020  (see  Note  24:  Related  party 
transactions).

9. 

GAIN ON SALE OF SUBSIDIARIES

River  Box  Holding  Inc.  (“River  Box”)  was  a  previously  wholly  owned  subsidiary  of  the  Company.  It  holds  investments  in 
direct financing leases, through its subsidiaries, related to the 19,200 and 19,400 TEU containerships MSC Anna, MSC Viviana, 
MSC Erica and MSC Reef.  On December 31, 2020, the Company sold 50.1% of the shares of River Box to a subsidiary of 
Hemen Holding Limited ("Hemen"), a related party. Net proceeds of $17.5 million were received for the shares, resulting in a 
net gain of $1.9 million on the sale. At the time of disposal on December 31, 2020, the consolidated net assets held by River 
Box were as follows:

F-24

(in thousands of $)

Cash and cash equivalents

Investments in sales-type and direct financing leases

Finance lease liability

Long-term loan from related party

Other current liabilities

Net assets

2020

2,859 

540,908 

(464,740) 

(45,000) 

(2,861) 

31,166 

As of December 31, 2020 the balance of the long-term loan from SFL to River Box was $45.0 million (see Note 24: Related 
party transactions).

The  Company  has  accounted  for  the  remaining  49.9%  ownership  in  River  Box  using  the  equity  method.  (See  Note  17: 
Investment in associated companies).

No subsidiaries were sold during the year ended December 31, 2019. 

During 2018, the Company entered into an agreement to sell 100% of the share capital of Rig Finance Limited ("Rig Finance"), 
a wholly owned subsidiary, to an unrelated third party. Rig Finance owned the jack-up drilling rig Soehanah. Net proceeds of 
$84.4  million  were  received  for  the  shares,  resulting  in  a  net  gain  of  $7.6  million  on  the  sale.  At  the  time  of  disposal  on 
December 31, 2018, net assets held by Rig Finance were as follows: 

(in thousands of $)

Cash and cash equivalents

Vessel and equipment, net

Charter deposit

Other current liabilities

Net assets

2018

915 

76,875 

(913) 

(90) 

76,787 

F-25

 
 
 
 
 
 
 
 
 
 
 
10.

OTHER FINANCIAL ITEMS, NET

Other financial items comprise the following items: 

(in thousands of $)

Net payments on non-designated derivatives relating to interest rate swaps
Net payments on non-designated derivatives relating to cross currency 
swaps
Net payments on non-designated derivatives relating to combined cross 
currency and interest rate swaps
Net payments relating to the settlement of interest rate swaps following the 
refinancing of debt
Total net cash movement on non-designated derivatives and swap 
settlements
Net (decrease)/increase in mark-to-market valuation of non-designated 
derivatives relating to interest rate swaps
Net (decrease)/increase in mark-to-market valuation of non-designated 
derivatives relating to cross currency swaps
Net (decrease)/increase in mark-to-market valuation of non-designated 
derivatives relating to combined cross currency and interest rate swaps

Total net movement in fair value of non-designated derivatives

Net movement in fair value of designated derivatives (ineffective portion)

Allowance for expected credit losses

Impairment of long-term receivables

Other items

Total other financial items, net

Year ended December 31,

2020

(4,575)   

2019

1,389 

(6)   

— 

2018

170 

— 

(152)   

(194)   

(891) 

(4,539)   

— 

(9,272)   

1,195 

— 

(721) 

(15,314)   

(4,123)   

2,687 

5 

(5,124)   

(20,433)   

— 

(1,771)   

— 

5,531 

— 

673 

(3,450)   

— 

— 

(9,168)   

(1,330)   

(25,945)   

(12,753)   

— 

11,221 

13,908 

(11) 

— 

(1,730) 

(1,039) 

10,407 

The  net  movement  in  the  fair  values  of  non-designated  derivatives  and  net  cash  payments  thereon  relate  to  non-designated, 
terminated  or  de-designated  interest  rate  swaps  and  cross  currency  interest  rate  swaps.  Changes  in  the  fair  values  of  the 
effective  portion  of  interest  rate  swaps  that  are  designated  as  cash  flow  hedges  are  reported  under  "Other  comprehensive 
income".  Following  the  adoption  of  ASU  2017-12  from  January  2019,  the  Company  now  recognizes  all  changes  in  the  fair 
value of swaps designated as accounting hedges in other comprehensive income. The adoption of the standard resulted in an 
opening balance adjustments of $32,000 to retained earnings and other comprehensive income on January 1, 2019. 

The above net movement in the valuation of non-designated derivatives in the year ended December 31, 2020, includes $1.1 
million (2019: $0.0 million; 2018: $3.1 million) reclassified from "Other comprehensive income", as a result of certain interest 
rate swaps relating to loan facilities no longer being designated as cash flow hedges.

Following  the  adoption  of  ASU  2016-13  "Financial  Instruments  -  Credit  Losses"  from  January  2020,  the  Company  now  
recognizes, among other things, a measurement of expected credit losses for financial assets held at the reporting date which are 
within the scope of the ASU, based on historical experience, current conditions and reasonable supportable forecasts. During 
the year ended December 31, 2020, the Company recorded a credit loss provision of $1.8 million in the Consolidated Statement 
of  Operations,  with  a  corresponding  allowance  for  credit  loss  amount  reported  as  a  reduction  in  the  related  balance  sheet 
amount of Trade receivables, Other receivables, Related party receivables, Other long term assets and Investments in sales-type 
leases,  direct  financing  leases  and  leaseback  assets.  (See  also  Note  3:  Recently  Issued  Accounting  Standards  and  Note  26: 
Allowance for Expected Credit Losses). 

In  February  2016,  the  offshore  support  vessel  Sea  Bear,  then  chartered  to  a  subsidiary  of  Deep  Sea  was  sold  and  its  lease 
canceled. An agreed termination fee was received in the form of a loan note from Deep Sea, receivable over the approximately 
six remaining years of the canceled lease. The note has an interest rate of 7.25% and has a face value of $14.6 million. The note 
was evaluated to have an initial fair value of $11.6 million which was determined from analysis of projected cash flows, based 
on  factors  including  the  terms,  provisions  and  other  characteristics  of  the  notes,  default  risk  of  the  issuing  entity,  the 
fundamental  financial  and  other  characteristics  of  that  entity,  and  the  current  economic  environment  and  relevant  trading 
activity in the debt market. In June 2017, Deep Sea completed a merger with Solstad Offshore ASA and Farstad Shipping ASA, 
creating Solstad Farstad ASA. In October 2018, Solstad Farstad ASA changed its name to Solstad Offshore ASA ("Solstad"). 

F-26

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
The  loan  note  is  unsecured  and  not  guaranteed  by  its  holding  company.  During  the  year  ended  December  31,  2019,  the 
Company  concluded  that  the  loan  note  may  no  longer  be  recoverable  and  recorded  an  impairment  charge  of  long  term 
receivables  of  $8.2  million  (2018:  $1.7  million)  against  it.  During  the  year  ended  December  31,  2019,  the  Company  also 
recorded  an  impairment  charge  of  long  term  receivables  of  $0.9  million  (2018:  $0.0  million)  against  its  non-amortizing  loan 
note from Apexindo, following revisions to the agreement.

On  October  20,  2020,  Solstad  held  an  extraordinary  general  meeting  to  approve  its  proposed  debt  restructuring  to  partly 
compensate stakeholders for prior losses incurred in connection with their failure to meet obligations on certain loans and lease 
agreements.  SFL  received  4.4  million  shares  in  Solstad  and  cash  compensation  of  NOK10  million  ($1.1  million)  which  is 
included  in  other  items  above.  The  shares  were  subsequently  sold  by  the  Company  and  a  gain  on  the  sale  of  shares  of  $2.6 
million was recorded in the Statement of Operations in the year ended December 31, 2020. See Note 11: Investment in Debt 
and equity securities.

Other items in the year ended December 31, 2020, include a net gain of $5.6 million arising from foreign currency translation 
(2019: gain $0.3 million; 2018: loss $2.0 million). Other items also include bank charges and fees relating to loan facilities.

11. 

INVESTMENTS IN DEBT AND EQUITY SECURITIES

Marketable securities held by the Company consist of corporate bonds and equity securities.

(in thousands of $)
Corporate Bonds
Balance at start of the year
Disposals during the year
Additions during the year
Unrealized gain/(loss) recorded in other comprehensive income
Accumulated other-than-temporary impairment*
Balance at end of the year

Shares
Balance at start of the year
Disposals during the year
Unrealized gain /(loss)*
Realized gain/(loss)*
FX gain/(loss)
Balance at the end of year

Total Investment in Debt and Equity Securities

Equity Securities pledged to creditors

2020

2019

12,753
—
1,287  
279
(4,888)
9,431 

13,245
(583)
2,281 
(9)
(2,181) 
12,753 

2020

2019

61,326
(23,661)
(22,428)
4,864
(727)
19,374

73,929
(82,783)
29,104
40,777
299
61,326

28,805

74,079

9,006  

43,775 

*Balances included in "Gain on investments in debt and equity securities" in the Consolidated Statements of Operations.

Corporate Bonds

The  corporate  bonds  are  classified  as  available-for-sale  securities  and  are  recorded  at  fair  value,  with  unrealized  gains  and 
losses recorded as a separate component of "Other comprehensive income".

F-27

 
 
 
 
(in thousands of $)

NorAm Drilling
Oro Negro 7.5%
Oro Negro 12%

NT Rig Holdco 12%

NT Rig Holdco 7.5%

Total corporate bonds

Year ended December 31, 2020

Year ended December 31, 2019

Amortised 
Cost

Unrealised 
gains/ 
(losses)*

Fair value

Amortised 
Cost

Unrealised 
gains/ 
(losses)*

Fair value

4,132 
— 
— 

3,567 

817 

8,516 

511 
— 
— 

404 

— 

915 

4,643 
— 
— 

3,971 

817 

9,431 

4,132 
5,705 
2,281 

— 

— 

12,118 

558 
— 
77 

— 

— 

635 

4,690 
5,705 
2,358 

— 

— 

12,753 

NorAm Drilling Company AS ("NorAm Drilling") 

During  the  year  ended  December  31,  2020,  the  Company  recognized  an  unrealized  gain  of  $0.0  million  in  Other 
Comprehensive Income (2019: $0.1 million; 2018: $0.2 million). 

In the year ended December 31, 2019, the Company redeemed $0.6 million of bonds recognizing no gain or loss. 

Oro Negro Drilling Pte. Ltd ("Oro Negro") and NT Rig Holdco ("NT Rig Holdco")

During the year ended December 31, 2020, the existing Oro Negro 12% Bonds and Oro Negro 7.5% Bonds were restructured 
by the issuer thereby resulting in the recognition of NT Rig Holdco Liquidity 12% Bonds and NT Rig Holdco 7.5% Bonds, and 
redemption  of  all  the  Oro  Negro  12%  Bonds  and  a  substantial  proportion  of  the  Oro  Negro  7.5%  Bonds.  The  Company 
recorded  no  gain  or  loss  on  redemption  of  the  bonds.  The  accumulated  gain  of  $0.1  million  previously  recognized  in  the 
Consolidated Statement of Operations in respect of the Oro Negro 12% Bonds was reversed. The Company also acquired an 
additional $1.3 million of the NT Rig Holdco Liquidity 12% Bonds in the year ended December 31, 2020. 

In the year ended December 31, 2020, the Company recognized an unrealized gain of $0.4 million in respect of the NT Rig 
Holdco 12% Bonds and an unrealized gain of $0.0 million in respect of the NT Rig Holdco 7.5% Bonds. An impairment loss of 
$4.3 million was recorded in the Consolidated Statement of Operations in relation to the NT Rig Holdco 7.5% Bonds.

In the year ended December 31, 2019, the Company acquired $2.3 million of 12% Super Senior Callable Liquidity Bonds from 
Oro Negro with a face value of $2.3 million. During the year ended December 31, 2019, the Company recognized an unrealized 
gain of $0.1 million (2018: $0.0 million) in respect of these bonds.

During  the  year  ended  December  31,  2020,  the  Company  recognized  an  unrealized  gain  of  $0.0  million  in  Other 
Comprehensive  Income  (2019:  loss  $0.2  million;  2018:  gain  $0.2  million)  on  the  7.5%  Oro  Negro  bonds.  In  the  year  ended 
December 31, 2020 it was determined that the bonds were other-than-temporarily impaired and an aggregate impairment loss of 
$0.6 million was recorded in the Consolidated Statement of Operations (2019: $2.2 million; 2018: $0.0 million). 

Shares

Changes in the fair value of equity investments are recognized in net income. 

(in thousands of $)

Frontline*

NorAm Drilling
ADS Maritime Holding (formally ADS Crude Carriers)

Total shares

2020

9,007

1,484
8,883 

19,374 

2019

43,775

4,326
13,225

61,326

*As at December 31, 2020, the carrying value of the shares held in Frontline pledged to creditors is $9.0 million (2019: $43.8 
million). 

F-28

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Frontline Shares

As of December 31, 2020 the Company held approximately 1.4 million shares (2019: 3.4 million shares) in Frontline (see Note 
24:  Related  Party  Transactions).  During  the  year  ended  December  31,  2020,  the  Company  sold  approximately  2.0  million 
shares (2019: 7.6 million shares) in Frontline for total proceeds of $21.1 million (2019: $23.7 million) and recorded realized 
gains of $2.3 million (2019: $40.8 million) in the statement of operations in respect of the sales. 

In December 2019 the Company sold 3.4 million shares subject to a repurchase agreement and as at December 31, 2019, the 
Company had a forward contract to purchase the approximately 3.4 million shares on June 30, 2020 for $36.8 million. During 
the year ended December 31, 2020, the Company repurchased approximately 2.0 million shares in Frontline. In June 2020, the 
Company  rolled  forward  the  forward  contract  related  to  the  remaining  approximately  1.4  million  shares  until  September  of 
2020  at  a  purchase  price  of  $16.1  million  including  deemed  interest.  In  September  2020,  the  Company  rolled  forward  the 
forward contract related to 1.4 million shares until January of 2021, and has subsequently been rolled over to April 2021, at a 
repurchase price of $16.2 million including deemed interest. These transactions have been accounted for as secured borrowing, 
with  the  shares  retained  in  'Marketable  Securities  pledged  to  creditors'  and  a  liability  recorded  at  December  31,  2020  within 
debt for $15.6 million (2019: $36.8 million). (See also Note 20: Short-Term and Long-Term Debt). 

In the year ended December 31, 2020, the Company recognized a fair value adjustment loss of $16.0 million (2019: gain $25.0 
million; 2018: gain $10.3 million) in the Statement of Operations.

NorAm Drilling 

As of December 31, 2020 and 2019 the Company held approximately 1.3 million shares in NorAm Drilling which traded in the 
Norwegian Over the Counter market ("OTC"). The Company recognized a mark to market loss of $2.5 million (2019: gain $0.4 
million, 2018: gain $1.0 million) in the Statement of Operations in the year ended December 31, 2020, together with a foreign 
exchange loss of $0.3 million (2019: $0.0 million; 2018: $0.2 million) in Other Financial Items in the Statement of Operations. 
(See also Note 24: Related Party Transactions).

ADS Maritime Holding

As  of  December  31,  2020  and  2019  the  Company  held  approximately  4.0  million  shares  in  ADS  Maritime  Holding.  The 
Company had acquired all of the shares in ADS Maritime Holding for $10 million in 2018. (See also Note 24: Related Party 
Transactions).  In  the  year  ended  December  31,  2020,  the  Company  recognized  a  mark  to  market  loss  of  $3.9  million  (2019: 
gain $3.7 million; 2018: loss $0.8 million) in the Statement of Operations, along with a foreign exchange loss of $0.4 million 
(2019: gain $0.3 million; 2018: gain $0.0 million) in Other Financial Items in the Statement of Operations. 

In March 2021, the Company received a capital dividend of approximately $8.8 million from ADS Maritime Holding following 
the sale of its remaining two vessels. Also in March 2021, the Company sold its remaining shares in ADS Maritime Holding for 
a consideration of approximately$0.8 million. (See Note 29: Subsequent Events).

Solstad Offshore ASA

During the year ended December 31, 2020, the Company received 4.4 million shares in Solstad Offshore ASA as part of a debt 
restructuring agreement, along side a cash compensation of NOK10 million ($1.1 million). The shares were subsequently sold 
by  the  Company  and  a  gain  of  $2.6  million  was  recorded  in  connection  with  the  sale  of  the  shares  in  the  Statement  of 
Operations in the year ended December 31, 2020. (See also Note 10: Other Financial Items).

F-29

12.

TRADE ACCOUNTS RECEIVABLE AND OTHER RECEIVABLES

Trade accounts receivable

Trade accounts receivable are presented net of the allowances for doubtful debts and expected credit losses. The allowance for 
doubtful debts was $0.0 million (2019: $0.0 million) and expected credit losses relating to trade accounts receivable was $0.0 
million as at December 31, 2020 (2019: $0.0 million). As at December 31, 2020, the Company has no reason to believe that any 
remaining amount included in trade accounts receivable will not be recovered through due process or negotiation. (See also to 
Note 26: Allowance for expected credit losses).

Other receivables

Other  receivables,  mainly  include  amounts  due  from  vessel  managers  and  claims  receivable,  which  are  presented  net  of  the 
allowance for doubtful debts and expected credit losses. The allowance for doubtful debts was $0.0 million (2019: $0.0 million) 
and the allowance for expected credit losses relating to other receivables was $0.9 million as at December 31, 2020 (2019: $0.0 
million). (See also Note 26: Allowance for expected credit losses).

13.

VESSELS AND EQUIPMENT, NET

 Movements in the year ended December 31, 2020 summarized as follows:

(in thousands of $)
Balance at December 31, 2019
Depreciation 
Capital improvements
Additions
Transfers to Investments in Sales-Type Leases
Vessel disposals
Impairment loss
Other movements
Balance at December 31, 2020

Cost

1,867,873   
—   
52,676   
258,138   
(87,570)  
(7,362)  
(390,584)  
—   
1,693,171   

Accumulated 
Depreciation

(463,168)  
(71,302)  
—   
—   
20,368   
3,963   
57,666   
—   
(452,473)  

Vessels and Equipment, 
net
1,404,705 
(71,302) 
52,676 
258,138 
(67,202) 
(3,399) 
(332,918) 
— 
1,240,698 

In the year ended December 31, 2020, seven 4,100 TEU container vessels, previously recorded as operating lease assets, were 
reclassified  as  sales-type  leases.  The  reclassification  occurred  as  a  result  of  amendments  including  extensions  to  the  existing 
charter contracts. The cost and accumulated depreciation of the vessels reclassified from vessels and equipment to investment in 
sales-type leases were $87.6 million and $20.4 million, respectively. (Refer to Note 16: Investment in sales-type leases, direct 
financing leases and leaseback assets).

In the year ended December 31, 2019, the 5,800 TEU container vessels MSC Margarita and MSC Vidhi, previously recorded as 
operating  lease  assets,  were  reclassified  as  sales-type  leases.  The  reclassification  occurred  as  a  result  of  amendments  to  the 
existing  charter  contracts.  The  cost  and  accumulated  depreciation  of  the  container  vessels  reclassified  from  vessels  and 
equipment to investment in direct financing leases were $40.3 million and $13.0 million. 

The capital improvements of $52.7 million (2019: $9.7 million) relate to exhaust gas cleaning systems ("EGCS" or "scrubbers") 
and ballast water treatment systems ("BWTS") installed on 16 vessels (2019: five vessels) during the year ended December 31, 
2020.  Advances  paid  in  respect  of  vessel  upgrades  in  relation  to  EGCS  and  BWTS  were  included  within  "other  long-term 
assets", until such time as the equipment was installed on the vessels, at which point the amounts were transferred to "Vessels 
and equipment, net".

Total depreciation expense for vessels and equipment was $71.3 million for the year ended December 31, 2020 (2019: $80.3 
million; 2018: $99.6 million). 

F-30

 
 
 
 
 
 
 
 
 
 
 
In the year ended December 31, 2020, the Company consolidated the wholly owned subsidiary owning the drilling unit West 
Taurus that was previously accounted for using the equity method of accounting (Refer to Note 17: Investment in associated 
companies). As a result, the entity has been consolidated in the financial statements and the carrying value of the drilling unit, 
of $258.1 million, was recognized in vessels and equipment, net. An impairment charge of $252.6 million was recorded in the 
year ended December 31, 2020 against the carrying value of the drilling unit.

A further impairment charge of $80.3 million was recorded in the year ended December 31, 2020 against the carrying value of 
seven Handysize bulk carriers (2019: $55.5 million against the carrying value of four offshore support vessels and two feeder 
container  vessels;  2018:  $25.4  million  in  respect  of  four  offshore  support  vessels).  The  impairment  charge  arose  in  the  year 
ended December 31, 2020, as a result of revised future cashflow estimates following uncertainty over future demand combined 
with negative implications for global trade of dry bulk commodities as a result of the COVID-19 outbreak.

During the year ended December 31, 2020 the Company sold five offshore support vessels which had been chartered on a long-
term bareboat charter to Deep Sea Supply Shipowning II AS (the “Solstad Charterer”), an indirect wholly owned subsidiary of 
Solship Invest 3 AS (“Solship”) which is in turn a wholly owned subsidiary of Solstad Offshore ASA (“Solstad”). A net gain of 
$0.9  million  was  recorded  in  connection  with  the  disposal  of  these  vessels.  Refer  to  Note  8:  Gain  on  sale  of  assets  and 
termination  of  charters.  No  vessel  disposals  took  place  in  the  year  ended  December  31,  2019.  Four  of  these  vessels  were 
accounted for as operating leases within Vessels and Equipment, net, and the other one was accounted for as a direct financing 
lease (Refer to Note 16: Investment in direct financing, sales-type and leaseback assets). 

In 2018, the Company had entered into a restructuring agreement with subsidiaries of Solstad, whereby the Company would 
receive 50% of the agreed charter hire for two of the offshore support vessels. All other contracted charter hire income earned 
from fixed assets and direct financing lease assets was to be deferred until the end of 2019. In April 2019, Solship announced 
that a Standstill Agreement had been entered into with, amongst others, the Company whereby 100% of charter hire for vessels 
on charter to Solship was to be deferred. Solship announced that the Standstill Agreement had been extended until March 31, 
2020, subject to agreed milestones being met throughout the suspension period. During the year ended December 31, 2019, all 
the  vessels  were  impaired  as  described  above.  In  October  2020,  Solstad  held  an  extraordinary  general  meeting  (“EGM”)  to 
approve  its  proposed  debt  restructuring  to  partly  compensate  stakeholders  for  prior  losses  incurred  in  connection  with  their 
failure  to  meet  obligations  on  certain  loans  and  lease  agreements.  SFL  received  4.4  million  shares  in  Solstad  and  cash 
compensation of  NOK10 million ($1.1 million) which is included in other financial. The shares were subsequently sold by the 
Company  and  a  gain  on  the  sale  of  shares  of  $2.6  million  was  recorded  in  the  Statement  of  Operations  in  the  year  ended 
December 31, 2020. See Note 11: Investment in Debt and equity securities.

Acquisitions,  disposals  and  impairments  in  respect  of  vessels  accounted  for  as  sales-type  leases,  direct  financing  leases, 
leaseback  assets  and  vessels  under  finance  leases  are  discussed  in  Note  16:  Investment  in  sales-type  leases,  direct  financing 
leases and leaseback assets and Note 14: Vessels under finance lease, net.

14.

VESSELS UNDER FINANCE LEASE, NET

Movements in the year ended December 31, 2020 summarized as follows:

(in thousands of $)
Balance at  December 31, 2019
Depreciation 
Capital improvements
Balance at December 31, 2020

Cost

755,058   
—   
22,881   
777,939   

Accumulated 
Depreciation

Vessels under Finance 
Lease, net
714,476 
(39,977) 
22,881 
697,380 

(40,582)  
(39,977)  
—   
(80,559)  

As  at  December  31,  2020,  seven  vessels  were  accounted  for  as  vessels  under  finance  lease,  made  up  of  four  13,800  TEU 
container vessels and three 10,600 TEU container vessels. The vessels are leased back for an original term ranging from six to 
11 years, with options to purchase each vessel after six years.

Total depreciation expense for vessels under finance lease amounted to 40.0 million for the year ended December 31, 2020 and 
is included in depreciation in the consolidated statements of operations. (2019: $36.1 million; 2018: $4.5 million).

F-31

 
 
 
 
15.

OTHER LONG TERM ASSETS

Other long term assets comprise the following items: 

(in thousands of $)
Capital improvements in progress
Collateral deposits on swap agreements
Value of acquired charter-out contracts, net
Long term receivables
Other
Total other long-term assets

2020  

10,099 
398 
10,503 
— 
961 
21,961 

2019 
30,642 
17,520 
13,407 
1,880 
799 
64,248 

Capital  improvements  in  progress  comprises  of  advances  paid  and  costs  incurred  in  respect  of  vessel  upgrades  in  relation  to 
EGCS and BWTS on 11 vessels (2019: nine vessels). This is recorded in other long term assets until such time as the equipment 
is installed on a vessel, at which point it is transferred to "Vessels and equipment, net" or "Investment in sales-type leases and 
direct financing leases'. In the year ended December 31, 2020, the Company transferred costs of $52.7 million in respect of 16 
vessels (2019: $9.7 million in respect of five vessels) to "Vessels and equipment, net".

During 2019, the Company agreed to fund EGCS installations on three 10,600 TEU container vessels. The installation of EGCS 
was completed in the year ended December 31, 2020 and costs of $22.9 million in respect of these vessels were transferred to 
'Vessels under finance lease, net'. 

During 2018, the Company purchased four container vessels, Thalassa Mana, Thalassa Tyhi, Thalassa Doxa and Thalassa Axia 
with pre-existing time charters to Evergreen Marine. A value of $18.0 million was assigned to these charters in 2018, in the 
year ended December 31, 2020 the amortization charged to time charter revenue was $2.9 million (2019: $2.9 million; 2018: 
$2.9 million).

The long term receivables balance at December 31, 2019 of $1.9 million comprised of loan notes due from third parties arising 
from the early termination of charters. Following the adoption of ASU 2016-13 from January 1, 2020, the Company recognized 
a credit loss provision totaling $1.9 million against this long term receivables balance thereby resulting in the balance of $0.0 
million as at December 31, 2020. (see also Note 26: Allowance for expected credit losses and Note 10: Other financial items).

Collateral  deposits  exist  on  our  interest  rate,  cross  currency  interest  rate  and  cross  currency  swaps.  Further  amounts  may  be 
called upon during the term of the swaps if interest rates or currency rates more adversely. 

 16.

INVESTMENTS IN SALES-TYPE LEASES, DIRECT FINANCING LEASES AND LEASEBACK ASSETS

Following the adoption of ASU 2016-02 from January 2019, the Company records new and modified leases as per ASC 842. 
The Company has elected the practical expedient to not reassess existing leases. The adoption of the standard resulted in no 
opening balance adjustments. See also Accounting policies within Note 2.

(in thousands of $)

Investments in sales-type and direct financing leases

Investments in leaseback assets

2020

592,102 

85,441 
677,543 

2019

786,598 

207,789 
994,387 

As at December 31, 2020, the Company had a total of 28 vessel charters accounted for as sales-type and direct financing leases 
(2019: 26 vessels) and four vessel charters classified as leaseback assets (2019: six vessels).

F-32

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Investments in sales type and direct financing leases

As  of  December  31,  2020,  the  Company  had  two  VLCC  crude  tankers  accounted  for  as  direct  financing  leases  (2019:  three 
VLCCs).  These  vessels  are  on  charter  to  Frontline  Shipping  Limited  ("Frontline  Shipping")  on  long-term,  fixed  rate  time 
charters  which  spans  an  average  term  of  approximately  six  years  as  at  December  31,  2020.  Frontline  Shipping  is  a  wholly 
owned subsidiary of Frontline, a related party. The terms of the charters do not provide Frontline Shipping with an option to 
terminate  the  charters  before  the  end  of  their  terms.  During  the  year  ended  December  31,  2019,  these  VLCC  crude  tankers, 
Front Energy and Front Force underwent EGCS installations. Costs of $4.2 million were capitalized to the net investment in 
lease balance of the two vessels, which represents a 50% share of joint costs with Frontline Shipping Limited. 

The VLCC Front Hakata was sold to an unrelated third party in February 2020. A gain on sale of $1.4 million was recognized 
in the Consolidated Statement of Operations (refer to Note 8: Gain on sale of assets and termination of charters and Note 24: 
Related party transactions). During the year ended December 31, 2019 there was no disposals to VLCCs accounted for as direct 
financing leases.

At December 31, 2019, the Company owned one offshore supply vessel accounted for as a direct financing lease which was 
chartered on a long-term bareboat charter. In February 2020, the Company entered into a Memorandum of Agreement to sell 
the offshore support vessel Sea Leopard for recycling to Green Yard AS, an unrelated third party. The vessel was delivered in 
May 2020. During the year ended December 31, 2020 the Company recorded an impairment loss of $0.2 million (2019: $5.0 
million) prior to disposal and a loss on sale of $0.03 million was recognized in the Consolidated Statement of Operations (refer 
to Note 8 Gain on sale of assets and termination of charters and Note 24: Related party transaction).

As at December 31, 2020, the Company had 15 (2019: 19) container vessels accounted for as direct financing leases and 10 
(2019:  three)  container  vessels  accounted  for  as  a  sales-type  leases,  all  of  which  are  on  long-term  bareboat  charters  to  MSC 
Mediterranean Shipping Company S.A. ("MSC"), an unrelated party. The terms of the charters for 15 container vessels provide 
the charterer with purchase options throughout the term of the charters and the Company with a put option at the end of the 
seven years charter period. The charter contract for the 10 container vessels accounted for as a sales-type leases provides the 
charterer with a minimum fixed price purchase obligation at the expiry of each of the charters. 

During the year ended December 31, 2020, seven 4,100 TEU container vessels, with a total net book value of $67.2 million 
(2019:  two  5,800  TEU  container  vessels  with  a  total  net  book  value  of  $27.3  million),  were  reclassified  from  Vessels  and 
Equipment  net,  to  Investment  in  Sales-Type  Leases.  The  reclassification  occurred  as  a  result  of  amendments  to  the  existing 
charter  contracts.  Pursuant  to  each  amended  contract,  the  charterer  has  a  fixed  price  purchase  obligation  at  the  expiry  of  the 
additional five year charter period. (Refer to Note 13: Vessels and equipment, net). 

During  the  year  ended  December  31,  2020,  the  Company  recognized  the  amount  of  $361.0  million  in  investments  in  direct 
financing leases in respect of one drilling unit (West Linus) which is held by a wholly owned subsidiary of the Company (SFL 
Linus Ltd) and leased to a subsidiary of Seadrill. SFL Linus Ltd was previously determined to be a variable interest entity in 
which the Company was not the primary beneficiary and the subsidiary was accounted for under the equity method. Following 
changes to the financing agreement in October 2020 as a result of defaults by Seadrill, the Company was determined to be the 
primary beneficiary of SFL Linus Ltd and consolidates it from this date. (See Note 17: Investment in Associated Companies).

River Box was a previously wholly owned subsidiary of the Company. It holds investments in direct financing leases, through 
its subsidiaries, related to the 19,200 and 19,400 TEU containerships MSC Anna, MSC Viviana, MSC Erica and MSC Reef.  On 
December 31, 2020, the Company sold 50.1% of the shares of River Box to a subsidiary of Hemen, a related party.  Following 
the sale of River Box, the investments in the four container vessels accounted for as direct financing leases of $540.9 million 
have  been  derecognized  from  the  consolidated  financial  statements  of  the  Company.  (Refer  to  Note  9:  Gain  on  sale  of 
subsidiaries and disposal groups and  Note 17: Investment in Associated Companies). 

In 2018, and in respect of assets classified as Investments in sales type and direct financing leases, an impairment charge of 
$38.9 million was recorded against the carrying value of four VLCC's (Front Page, Front Stratus, Front Serenade and Front 
Ariake) and one offshore supply vessel (Sea Leopard). 

F-33

Investments in leaseback assets  

When a sale and leaseback transaction does not qualify for sale accounting, the Company does not recognize the transferred 
vessels and instead accounts for the purchase as a leaseback asset. 

In  May  2020,  SFL  acquired  a  newbuild  VLCC  from  Landbridge  Universal  Limited  ("Landbridge")  where  control  was  not 
deemed to have passed to the Company due to the presence of repurchase options in the lease on acquisition and therefore was 
classified  as  a  leaseback  asset.  Upon  delivery,  the  vessel  immediately  commenced  a  seven  year  bareboat  charter  back  to 
Landbridge. The charterer has purchase options throughout the term of the charters and there is a purchase obligation at the end 
of the seven year period. 

During the year ended  December 31, 2019, the Company acquired six vessels where control was not deemed to have passed to 
the Company due to the existence of repurchase options in the leases on acquisition. These have therefore been classified as 
'leaseback assets'. These comprised of three second-hand feeder size container vessels which were acquired in a purchase and 
leaseback  with  subsidiaries  of  MSC.  The  vessels  were  chartered  back  for  approximately  six  years  on  bareboat  basis.  The 
charterer has purchase options throughout the term of the charters and the Company has a put option at the end of the six year 
period. Additionally, the Company also entered into purchase and leaseback transactions to acquire three newbuilding crude oil 
tankers.  The  vessels  were  acquired  from  an  affiliate  of  Hunter  Group  ASA  ("Hunter  Group")  and  leased  back  to  the  Hunter 
Group  on  five  year  bareboat  charters.  During  the  year  ended  December  31,  2020,  SFL  redelivered  all  three  VLCC's  to  the 
Hunter  Group  in  August  2020  (Hunter  Atla  and  Hunter  Saga)  and  November  2020  (Hunter  Laga),  following  exercise  of 
options.  Net  proceeds  of  $176.2  million  were  received  and  debt  of  $142.5  million  repaid.  (Refer  to  Note  8  Gain  on  sale  of 
assets.)

The  following  lists  the  components  of  investments  in  sales-type  leases,  direct  financing  leases  and  leaseback  assets  as  at 
December 31, 2020 and December 31, 2019:

(in thousands of $)

Total minimum lease payments to be received
Less: amounts representing estimated executory costs including profit 
thereon, included in total minimum lease payments
Net minimum lease payments receivable
Estimated residual values of leased property (un-guaranteed)
Less: unearned income
Total investment in sales-type lease, direct financing lease and leaseback 
assets
Allowance for expected credit losses*
Total investment in sales-type lease, direct financing lease and leaseback 
assets
Current portion
Long-term portion

December 31, 2020

Sales-Type 
Leases and 
Direct 
Financing 
Leases
705,196   

Leaseback 
Assets

Total

79,786   

784,982 

(40,698)  
664,498   
79,621   
(147,876)  

—   
79,786   
31,500   
(25,596)  

(40,698) 
744,284 
111,121 
(173,472) 

596,243   
(4,141)  

85,690   
(249)  

681,933 
(4,390) 

592,102   
45,888   
546,214   

85,441   
9,532   
75,909   

677,543 
55,420 
622,123 

F-34

 
 
 
 
 
 
 
 
 
 
(in thousands of $)

December 31, 2019

Total minimum lease payments to be received
Less: amounts representing estimated executory costs including profit 
thereon, included in total minimum lease payments
Net minimum lease payments receivable
Estimated residual values of leased property (un-guaranteed)
Less: unearned income
Total investment in sales-type lease, direct financing lease and leaseback 
assets
Allowance for expected credit losses*
Total investment in sales-type lease, direct financing lease and leaseback 
assets
Current portion
Long-term portion

Sales-Type 
Leases and 
Direct 
Financing 
Leases
1,085,642   

(64,222)  
1,021,420   
192,429   
(427,251)  

Leaseback 
Assets

Total

134,073   

1,219,715 

—   
134,073   
139,500   
(65,784)  

(64,222) 
1,155,493 
331,929 
(493,035) 

786,598   
—   

207,789   
—   

994,387 
— 

786,598   
45,361   
741,237   

207,789   
10,828   
196,961   

994,387 
56,189 
938,198 

*See Note 2: Accounting policies and Note 26: Allowance for expected credit losses.

The  minimum  future  gross  revenues  to  be  received  under  the  Company's  non-cancellable  sales  type  leases,  direct  financing 
leases and leaseback assets as of December 31, 2020, are as follows:

(in thousands of $)

Year ending December 31,

2021
2022
2023
2024
2025
Thereafter

Total minimum lease payments to be received

Sales-Type 
Leases and 
Direct 
Financing 
Leases
84,206   
81,628   
111,874   
101,775   
78,058   
247,655   

705,196   

Leaseback 
Assets

15,410   
15,410   
14,630   
14,172   
9,517   
10,647   

79,786   

Total

99,616 
97,038 
126,504 
115,947 
87,575 
258,302 

784,982 

The  above  minimum  lease  revenues  includes  $89.2  million  related  to  the  two  VLCCs  leased  to  Frontline  Shipping  as  of 
December 31, 2020 (See Note 24: Related Party Transactions).

Interest  income  earned  on  investments  in  direct  financing  leases,  sales  type  leases  and  leaseback  assets  in  the  year  ended 
December 31, 2020 was as follows:

(in thousands of $)

Investments in sales type and direct financing leases*
Investments in leaseback assets 
Total 

2020

57,579 
13,637 
71,216 

2019

56,764 
3,556 
60,320 

2018

39,678 
— 
39,678 

*Interest income earned on investments in sales-type leases and direct financing leases in the above table includes $1.7 million 
in relation to Frontline Shipping, a related party (2019: $3.8 million; 2018: $9.6 million).

F-35

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
17.

INVESTMENT IN ASSOCIATED COMPANIES

The  Company  has,  and  has  had,  certain  wholly-owned  subsidiaries  which  are  accounted  for  using  the  equity  method  of 
accounting, as it has been determined under ASC 810 that they are variable interest entities in which SFL is not the primary 
beneficiary.

At December 31, 2020, 2019 and 2018, the Company had the following participation in investments that are recorded using the 
equity method:

River Box Holding Inc.

SFL Deepwater Ltd

SFL Hercules Ltd

SFL Linus Ltd

2020

 49.90 %

 — %

 100.00 %

 — %

2019

 — %

 100.00 %

 100.00 %

 100.00 %

2018

 — %

 100.00 %

 100.00 %

 100.00 %

River Box was a previously wholly owned subsidiary of the Company. River Box holds investments in direct financing leases, 
through its subsidiaries, related to the 19,200 and 19,400 TEU containerships MSC Anna, MSC Viviana, MSC Erica and MSC 
Reef. On December 31, 2020, the Company sold 50.1% of the shares of River Box to a subsidiary of Hemen, a related party. A 
gain of $1.9 million was recognized in the Statement of Operations for the year ended December 31, 2020 in relation to the 
disposal. See Note 9: Gain on sale of subsidiaries. The Company has accounted for the remaining 49.9% ownership in River 
Box using the equity method.

SFL Deepwater Ltd ("SFL Deepwater"), SFL Hercules Ltd ("SFL Hercules") and SFL Linus Ltd ("SFL Linus") each own the 
drilling units West Taurus, West Hercules and West Linus respectively. These units are leased to subsidiaries of Seadrill Limited 
(“Seadrill”), a related party. Because the main assets of SFL Deepwater, SFL Hercules and SFL Linus are the subject of leases 
which  each  include  both  fixed  price  call  options  and  a  fixed  price  purchase  obligation  or  put  option,  they  were  previously 
determined to be variable interest entities in which the Company was not the primary beneficiary. 

In September 2017, Seadrill announced that it has entered into a restructuring agreement (the “2017 Restructuring Plan”) with 
more  than  97%  of  its  secured  bank  lenders,  approximately  40%  of  its  bondholders  and  a  consortium  of  investors  led  by  its 
largest shareholder, Hemen Holding Limited (“Hemen”), who is also the largest shareholder in the Company. The Company, 
SFL Deepwater, SFL Hercules and SFL Linus also entered into the 2017 Restructuring Plan, which was implemented by way of 
prearranged  Chapter  11  cases.  As  part  of  the  2017  Restructuring  Plan,  the  financial  covenants  on  Seadrill  were  replaced  by 
financial covenants on a newly established subsidiary of Seadrill, Seadrill Rig Holding Company Limited (“RigCo”), who also 
acts as guarantor for the obligations under the leases for the three drilling units, on a subordinated basis to the senior secured 
lenders in Seadrill and secured notes.

During the year ended December 31, 2020, Seadrill publicly disclosed that they had appointed financial and legal advisors to 
evaluate  comprehensive  restructuring  alternatives  to  reduce  debt  service  costs  and  overall  indebtedness.  In  September  and 
October 2020, Seadrill failed to pay hire when due under the leases for the three drilling unit. The overdue hires along with 
certain other events, constituted an event of default under such leases and the related financing agreements. Under the terms of 
the leases, charter payment from the sub-charterers of West Hercules and West Linus, were paid into accounts pledged to SFL 
and  its  financing  banks.  During  November  and  December  2020,  Seadrill  and  SFL  entered  into  forbearance  and  funds 
withdrawal  agreements  during  which  Seadrill  was  allowed  to  use  certain  funds  received  from  the  sub-charterers  to  pay 
operating expenses for the rigs in exchange for the Company being paid approximately 65 -75% of the existing contracted lease 
hire related to the West Hercules and the West Linus. Any hire received by Seadrill relating to the sub-charters on these two rigs 
in excess of the withdrawn amounts remained in Seadrill’s earnings accounts pledged to SFL. 

F-36

 
 
 
In February 2021, Seadrill and most of its subsidiaries filed Chapter 11 cases in the Southern District of Texas. SFL and certain 
of its subsidiaries have entered into court approved interim agreements with Seadrill relating to two of the Company’s drilling 
rigs, West Linus and West Hercules, allowing for the uninterrupted performance of sub-charters to oil majors while the Chapter 
11 process is ongoing. Pursuant to these agreements, Seadrill will be allowed to use funds received from the respective sub-
charterers  to  pay  a  fixed  level  of  operating  and  maintenance  expenses  in  additional  to  general  and  administrative  costs.  In 
exchange, SFL will receive approximately 65 - 75% of the lease hire under the existing charter agreements for West Linus and 
West Hercules for the same period. With regards to the third rig, West Taurus, the lease has been rejected by the court and the 
rig will be redelivered to SFL within approximately three months. This rig is debt free and has been held in layup by Seadrill 
for more than five years. SFL is currently evaluating strategic alternatives for this rig, including potential recycling at an EU 
approved recycling facility. (See Note 29: Subsequent Events).

In  October  2020,  the  Company  was  determined  to  be  the  primary  beneficiary  of  SFL  Linus  and  SFL  Deepwater  following 
changes  to  the  financing  agreements  and  as  a  result  of  defaults  by  Seadrill.  Therefore,  from  October  2020  these  subsidiaries 
were consolidated by the Company. Details are as follows: 

SFL  Deepwater  is  a  100%  owned  subsidiary  of  SFL,  incorporated  in  2008  for  the  purpose  of  holding  two  ultra-deepwater 
drilling  rigs  and  leasing  those  rigs  to  Seadrill  Deepwater  Charterer  Ltd.  and  Seadrill  Offshore  AS,  fully  guaranteed  by  their 
parent company Seadrill. In June 2013, SFL Deepwater transferred one of the rigs and the corresponding lease to SFL Hercules 
(see  below).  Accordingly,  SFL  Deepwater  now  holds  one  ultra  deepwater  drilling  rig  which  is  leased  to  Seadrill  Deepwater 
Charterer Ltd. In October 2013, SFL Deepwater entered into a $390 million five years term loan and revolving credit facility 
with  a  syndicate  of  banks,  which  was  used  in  November  2013  to  refinance  the  previous  loan  facility.  In  connection  with  a  
Restructuring Plan in 2017, certain amendments were agreed with the banks under the loan facility, including an extension of 
the final maturity date by four years. In October 2020, the Company repurchased the total debt outstanding under the facility of 
$176.1 million for $110.0 million and recognized a gain on debt extinguishment of $66.1 million. At December 31, 2020, the 
balance outstanding under the facility was $0.0 million (2019: $187.9 million). The Company guaranteed $0.0 million of this 
debt at December 31, 2020 (2019: $84.7 million). 

SFL Linus is a 100% owned subsidiary of SFL, acquired in 2013 from North Atlantic Drilling Ltd ("NADL"), a related party. 
SFL  Linus  holds  a  harsh  environment  jack-up  drilling  rig  which  was  delivered  from  the  shipyard  in  February  2014  and 
immediately  leased  to  North  Atlantic  Linus  Charterer  Ltd.,  fully  guaranteed  by  its  parent  company  NADL.  NADL  is  now  a 
subsidiary of Seadrill. In October 2013, SFL Linus entered into a $475 million five years term loan and revolving credit facility 
with a syndicate of banks to partly finance the acquisition of the rig. The facility was drawn in February 2014. In connection 
with  the  2017  Restructuring  Plan,  certain  amendments  were  agreed  with  the  banks  under  the  loan  facility,  including  an 
extension of the final maturity date by four years. In October 2020, the Company agreed to fully guarantee the facility (2019: 
$102.5 million)  and the balance outstanding under this facility at December 31, 2020, of $216.0 million was consolidated by 
the Company (2019: $232.1 million equity accounted) together with the other assets and liabilities of SFL Linus.

SFL Hercules is a 100% owned subsidiary of SFL, incorporated in 2012 for the purpose of holding an ultra-deepwater drilling 
rig  and  leasing  that  rig  to  Seadrill  Offshore  AS,  fully  guaranteed  by  its  parent  company  Seadrill.  The  rig  was  transferred, 
together with the corresponding lease, to SFL Hercules from SFL Deepwater in June 2013. In May 2013, SFL Hercules entered 
into a $375 million six years term loan and revolving credit facility with a syndicate of banks to partly finance its acquisition of 
the  rig  from  SFL  Deepwater.  The  facility  was  drawn  in  June  2013.  In  connection  with  the  2017  Restructuring  Plan,  certain 
amendments were agreed with the banks under the loan facility, including an extension of the final maturity date by four years. 
At December 31, 2020, the balance outstanding under this facility was $185.8 million (2019: $201.9 million). The Company 
guaranteed  $83.1  million  of  this  debt  at  December  31,  2020  (2019:  $78.9  million).  In  addition,  the  Company  has  given  the 
banks a first priority pledge over all shares of SFL Hercules and assigned all claims under a secured loan made by the Company 
to SFL Hercules in favor of the banks. This loan is secured by a second priority mortgage over the rig which has been assigned 
to the banks. The rig is chartered on a bareboat basis and the terms of the charter provide the charterer with various call options 
to acquire the rig at certain dates throughout the charter. In addition, there is an obligation for the charterer to purchase the rig at 
a fixed price at the end of the charter, which originally expired in November 2023. In connection with the 2017 Restructuring 
Plan, the lease has been extended by 13 months until December 2024. Because the main asset of SFL Hercules is the subject of 
a lease which includes both fixed price call options and a fixed price purchase obligation at the end of the charter, and due to the 
substantive  restrictions  in  the  debt  facility,  it  has  been  determined  that  this  subsidiary  of  SFL  is  a  variable  interest  entity  in 
which SFL is not the primary beneficiary.   

F-37

As discussed above, following the 2017 Restructuring Plan, RigCo acts as guarantor for the obligations under the leases for the 
three  drilling  units,  on  a  subordinated  basis  to  the  senior  secured  lenders  in  Seadrill  and  new  secured  notes.  Seadrill  was  in 
default on its leases with the Company at December 31, 2020, as well as on certain credit facilities with other lenders. Seadrill's 
failure  to  pay  hire  under  the  leases  for  the  Company's  drilling  rigs  when  due,  along  with  certain  other  events,  including  the 
commencement  of  its  Chapter  11  Proceedings,  constitute  events  of  default  under  such  leases  and  the  related  financing 
agreements. Unless cured or waived, the event of default could result in enforcement including making payments under certain 
guarantees of the loan facility. Due to the default on the SFL Hercules loan agreement, the balance of the long term loan in SFL 
Hercules was reclassified to short-term as shown below in the summarized balance sheet information. 

Summarized balance sheet information of the Company's equity method investees is as follows:

(in thousands of $)

Share presented

Current assets 

Non-current assets

Total assets

Current liabilities

Non-current liabilities (1)

Total liabilities

Total stockholders' equity (2)

(in thousands of $)

Current assets

Non-current assets

Total assets

Current liabilities

Non-current liabilities (1)

Total liabilities

Total stockholders' equity (2)

As of December 31, 2020

River Box

 49.90 %

12,475 

258,865 

271,340 

12,569 

243,219 

255,788 

15,552 

SFL 
Deepwater

— 

— 

— 

— 

— 

— 

— 

SFL
Hercules

 100.00 %

22,288 

255,053 

277,341 

186,686 

78,910 

265,596 

11,745 

As of December 31, 2019

River Box

— 

— 

— 

— 

— 

— 

— 

SFL 
Deepwater

29,047 

286,222 

315,269 

19,168 

285,147 

304,315 

10,954 

SFL
Hercules

22,645 

273,621 

296,266 

20,761 

265,769 

286,530 

9,736 

TOTAL

34,763 

513,918 

548,681 

199,255 

322,129 

521,384 

27,297 

TOTAL

75,079 

920,801 

995,880 

65,832 

887,887 

953,719 

42,161 

SFL 
Linus

— 

— 

— 

— 

— 

— 

— 

     SFL 
Linus

23,387 

360,958 

384,345 

25,903 

336,971 

362,874 

21,471 

(1) River Box and SFL Hercules non-current liabilities at December 31, 2020, include $45.0 million and $78.9 million due to 
SFL, respectively (see Note 24: Related party transactions). At December 31, 2019 SFL Deepwater, SFL Hercules and SFL 
Linus non-current liabilities include $113.0 million, $80.0 million and $121.0 million respectively (see Note 24: Related 
party  transactions).  In  addition,  SFL  Deepwater,  SFL  Hercules  and  SFL  Linus  current  liabilities  at  December  31,  2019, 
include  a  further  $1.2  million,  $3.4  million  and  $7.4  million  due  to  SFL,  respectively  (see  Note  24:  Related  party 
transactions). 

(2) In the year ended December 31, 2020, 2019 and 2018, the Company did not receive any dividends from its associates. 

Summarized statement of operations information of the Company's equity method investees is shown below. 

(in thousands of $)
Operating revenues
Net operating revenues
Net income (3)

Year ended December 31, 2020

TOTAL
45,573 
45,532 
4,286 

River Box

— 

— 

— 

SFL 
Deepwater
11,835 
11,892 
(6,002)   

SFL
Hercules
15,072 
15,050 
3,827 

SFL 
Linus
18,666 
18,590 
6,461 

F-38

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(in thousands of $)
Operating revenues
Net operating revenues
Net income (3)

(in thousands of $)
Operating revenues
Net operating revenues
Net income (3)

Year ended December 31, 2019

TOTAL
64,142 
64,142 
17,054 

River Box

— 

— 

— 

SFL 
Deepwater
18,966 
18,966 
4,346 

SFL
Hercules
18,378 
18,378 
3,622 

Year ended December 31, 2018

TOTAL
64,572 
64,410 
14,635 

River Box

— 

— 

— 

SFL 
Deepwater
19,594 
19,540 
3,973 

SFL
Hercules
19,126 
19,049 
3,372 

SFL 
Linus
26,798 
26,798 
9,086 

SFL 
Linus
25,852 
25,821 
7,290 

(3) The  net  income  of  River  Box,  SFL  Deepwater,  SFL  Hercules  and  SFL  Linus  for  the  year  ended  December  31,  2020, 
includes  interest  payable  to  SFL  amounting  to  $0.0  million,  $3.8  million  (2019:  $5.1  million;  2018:  $5.1  million),  $3.6 
million  (2019:  $3.6  million;  2018:  $3.6  million),  and  $4.5  million  (2019:  $5.4  million;  2018:  $5.4  million),  respectively 
(see Note 24: Related party transactions).

As required by ASU 2016-13 'Financial Instruments - Credit Losses' from January 2020, SFL Deepwater, SFL Hercules and 
SFL Linus recognized an allowance for expected credit losses in respect of their principal financial assets: 'Investment in direct 
financing leases' and 'Related party receivable balances', held at the reporting date, which are within the scope of the ASU. 

Movements in the year ended December 31, 2020, in the allowance for expected credit losses can be summarized as follows:

As of December 31, 2020

(in thousands of $)

Share presented

TOTAL

River Box

 49.90 %

Balance at December 31, 2019
Adjustment for adoption of the ASU 2016-13 
(Note 2)

Transferred from associates

Addition from new associate
Allowance recorded in net income of associated 
company

Balance at December 31, 2020

— 

27,024 

(35,665)   

786 

11,276 

3,421 

— 

— 

— 

786 

— 

786 

SFL 
Deepwater

— 

SFL
Hercules

 100.00 %

— 

23,493 

1,816 

(32,964)   

— 

9,471 

— 

— 

— 

819 

2,635 

SFL 
Linus

— 

1,715 

(2,701) 

— 

986 

— 

As  indicated  in  Note  2:  'Accounting  Policies',  the  allowance  for  expected  credit  losses  is  based  on  an  analysis  of  factors 
including the credit rating assigned to the lessee, Seadrill, management's assessment of current and expected conditions in the 
offshore drilling market and calculated collateral exposure. SFL Deepwater had a significantly higher allowance for expected 
credit losses due to calculated collateral exposure. In October 2020,  SFL's Deepwater's direct financing lease was transferred to 
the Company net of its credit loss provision and recorded in vessels and equipment net, and was subsequently impaired. See 
Note 13: Vessels and equipment, net. 

In the year ended December 31, 2020,  December 31, 2019, and December 2018, SFL Deepwater, SFL Hercules and SFL Linus 
did not pay any dividends.

F-39

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
18.

ACCRUED EXPENSES

(in thousands of $)
Vessel operating expenses
Administrative expenses
Interest expense

19. 

OTHER CURRENT LIABILITIES

(in thousands of $)
Deferred and prepaid charter revenue
Employee taxes
Other items

 20.

SHORT-TERM AND LONG-TERM DEBT

(in thousands of $)

Long-term debt:

Norwegian kroner 500 million senior unsecured floating rate bonds due 2020

5.75% senior unsecured convertible bonds due 2021

Norwegian kroner 700 million senior unsecured floating rate bonds due 2023

4.875% senior unsecured convertible bonds due 2023

Norwegian kroner 700 million senior unsecured floating rate bonds due 2024

Norwegian kroner 600 million senior unsecured floating rate bonds due 2025

Borrowings secured on Frontline shares

U.S. dollar denominated floating rate debt due through 2025

Total debt principal

Less: unamortized debt issuance costs

Less: current portion of long-term debt

Total long-term debt

2020
12,841 
1,603 
6,616 
21,060 

2020
15,156 
34 
895 
16,085 

2019
8,668 
1,694 
6,770 
17,132 

2019
10,000 
3,117 
162 
13,279 

2020

2019

— 

212,230 

81,572 

139,900 

80,989 

62,927 

15,639 

56,910 

212,230 

79,674 

148,300 

79,674 

— 

36,763 

1,070,137 

1,663,394 

1,013,626 

1,627,177 

(14,325)   

(19,089) 

(484,956)   

(253,059) 

1,164,113 

1,355,029 

The outstanding debt as of December 31, 2020, is repayable as follows:

Year ending December 31,

(in thousands of $)

2021

2022

2023

2024

2025

Thereafter

Total debt principal

484,956 

262,059 

493,535 

227,703 

195,141 

— 

1,663,394 

F-40

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Interest rate information

Weighted average interest rate
US Dollar London Interbank Offered Rate ("LIBOR")
Norwegian Interbank Offered Rate ("NIBOR")

December 31, 2020
 2.91 %

December 31, 2019
 4.27 %

 0.24 %

 0.49 %

 1.91 %

 1.84 %

The weighted average interest rate is for floating rate debt denominated in U.S. dollars and Norwegian kroner (“NOK”) which 
takes into consideration the effect of related interest rate swaps.

NOK500 million senior unsecured bonds due 2020 

On June 22, 2017, the Company issued a senior unsecured bond loan totaling NOK500 million in the Norwegian credit market. 
The bonds bear quarterly interest at NIBOR plus a margin. In January and March 2020, the Company purchased bonds with 
principal amounts totaling NOK174 million, equivalent to $19.5 million. A loss of $0.4 million was recorded on the transaction. 
The remaining balance of NOK326 million, equivalent to $33.7 million, was repaid in full on June 22, 2020. The net amount 
outstanding at December 31, 2020, was NOK0.0 million, equivalent to $0.0 million (2019: NOK500.0 million, equivalent to 
$56.9 million).

5.75% senior unsecured convertible bonds due 2021

On October 5, 2016, the Company issued a senior unsecured convertible bond loan totaling $225 million. Interest on the bonds 
is fixed at 5.75% per annum and is payable in cash quarterly in arrears on January 15, April 15, July 15 and October 15. The 
bonds are convertible into SFL Corporation Ltd. common shares and mature on October 15, 2021. The net amount outstanding 
at  December  31,  2020  was  $212.2  million  (2019:  $212.2  million).  The  initial  conversion  rate  at  the  time  of  issuance  was 
56.2596  common  shares  per  $1,000  bond,  equivalent  to  a  conversion  price  of  approximately  $17.7747  per  share.  The 
conversion rate will be adjusted for dividends in excess of $0.225 per common share per quarter. Since the issuance, dividend 
distributions have increased the conversion rate to 65.8012 common shares per $1,000 bond, equivalent to a conversion price of 
approximately  $15.20  per  share.  Based  on  the  closing  price  of  our  common  stock  of  $6.28  on  December  31,  2020,  the  if-
converted  value  was  less  than  the  principal  amounts  by  $124.5  million.  No  bonds  were  purchased  in  the  years  ended 
December 31, 2020 and December 31, 2019.

In  conjunction  with  the  bond  issue,  the  Company  loaned  up  to  8,000,000  of  its  common  shares  to  an  affiliate  of  one  of  the 
underwriters  of  the  issue,  in  order  to  assist  investors  in  the  bonds  to  hedge  their  position.  The  shares  that  were  lent  by  the 
Company were initially borrowed from Hemen, the largest shareholder of the Company, for a one-time loan fee of $120,000. In 
November 2016, the Company issued 8,000,000 new shares, to replace the shares borrowed from Hemen and received $80,000 
from Hemen upon the return of the borrowed shares.

As required by ASC 470-20 "Debt with conversion and Other Options", the Company calculated the equity component of the 
convertible  bond,  taking  into  account  both  the  fair  value  of  the  conversion  option  and  the  fair  value  of  the  share  lending 
arrangement. The equity component was valued at $4.6 million at issuance and this amount was recorded as "Additional paid-in 
capital", with a corresponding adjustment to "Deferred charges", which are amortized to "Interest expense" over the appropriate 
period. The amortization of this item amounted to $0.8 million in the year ended December 31, 2020 (2019: $0.7 million).  The 
balance remaining in equity as at December 31, 2020 was $4.0 million (2019: $4.0 million).

NOK700 million senior unsecured bonds due 2023

On September 13, 2018 the Company issued a senior unsecured bond totaling NOK600 million in the Norwegian credit market. 
The bonds bear quarterly interest at NIBOR plus a margin and are redeemable in full on September 13, 2023. On July 30, 2019, 
the Company conducted a tap issue of NOK100 million under this facility. The bonds were issued at 101.625% of par, and the 
new  outstanding  amount  after  the  tap  issue  is  NOK700  million.  The  net  amount  outstanding  at  December  31,  2020,  was 
NOK700 million, equivalent to $81.6 million (2019: NOK700 million, equivalent to $79.7 million).

F-41

4.875% senior unsecured convertible bonds due 2023

On  April  23,  2018,  the  Company  issued  a  senior  unsecured  convertible  bond  totaling  $150  million.  Additional  bonds  were 
issued  on  May  4,  2018  at  a  principal  amount  of  $14.0  million.  Interest  on  the  bonds  is  fixed  at  4.875%  per  annum  and  is 
payable  in  cash  quarterly  in  arrears  on  February  1,  May  1,  August  1  and  November  1.  The  bonds  are  convertible  into  SFL 
Corporation Ltd. common shares and mature on May 1, 2023. The net amount outstanding at December 31, 2020 was $139.9 
million (2019: $148.3 million). The initial conversion rate at the time of issuance was 52.8157 common shares per $1,000 bond, 
equivalent to a conversion price of approximately $18.93 per share. Since the issuance, dividend distributions have increased 
the conversion rate to 71.8147 common shares per $1,000 bond, equivalent to a conversion price of approximately $13.92 per 
share. Based on the closing price of our common stock of $6.28 on December 31, 2020, the if-converted value was less than the 
principal  amounts  by  $76.8  million.  In  March  and  December  2020,  the  Company  purchased  bonds  with  principal  amounts 
totaling $8.4 million (2019: $3.4 million). A gain of $0.3 million was recorded on the transaction (2019: gain of $0.3 million).

In  conjunction  with  the  bond  issue,  the  Company  agreed  to  loan  up  to  7,000,000  of  its  common  shares  to  affiliates  of  the 
underwriters of the issue, in order to assist investors in the bonds to hedge their position. As at December 31, 2020, a total of 
3,765,842 shares were issued from up to 7,000,000 shares issuable under a share lending arrangement.

As required by ASC 470-20 "Debt with conversion and Other Options", the Company calculated the equity component of the 
convertible  bond,  taking  into  account  both  the  fair  value  of  the  conversion  option  and  the  fair  value  of  the  share  lending 
arrangement. The equity component was valued at $7.9 million at issuance and this amount was recorded as "Additional paid-in 
capital", with a corresponding adjustment to "Deferred charges", which are amortized to "Interest expense" over the appropriate 
period. The amortization of this item amounted to $1.3 million in the year ended December 31, 2020 (2019: $1.3 million). As a 
result of the purchase of bonds with principal amounts totaling $8.4 million (2019: $3.4 million), a total of  $0.3 million (2019: 
$0.2 million) was allocated as the reacquisition of the equity component. The balance remaining in equity as at December 31, 
2020 was $6.8 million (2019:$7.1 million).

NOK700 million senior unsecured bonds due 2024

On June 4, 2019, the Company issued a senior unsecured bond totaling NOK700 million in the Norwegian credit market. The 
bonds bear quarterly interest at NIBOR plus a margin and are redeemable in full on June 4, 2024.  In March 2020, the Company 
purchased bonds with principal amounts totaling NOK5 million equivalent to $0.5 million. A gain of $0.0 million was recorded 
on the transaction. The net amount outstanding at December 31, 2020 was NOK695 million equivalent to $81.0 million (2019: 
NOK700 million, equivalent to $79.7 million).

NOK600 million senior unsecured bonds due 2025

On January 21, 2020, the Company issued a senior unsecured bond totaling NOK600 million in the Norwegian credit market. 
The  bonds  bear  quarterly  interest  at  NIBOR  plus  a  margin  and  are  redeemable  in  full  on  January  21,  2025.  In  February  and 
March 2020, the Company purchased bonds with principal amounts totaling NOK60 million equivalent to $6.0 million. A gain 
of  $1.4  million  was  recorded  on  the  transaction.  The  net  amount  outstanding  at  December  31,  2020  was  NOK540  million 
equivalent to $62.9 million (2019: NOK0 million, equivalent to $0.0 million).

$40 million senior secured term loan facility 

In  March  2020,  two  wholly-owned  subsidiaries  of  the  Company  entered  into  a  $40  million  senior  secured  term  loan  facility 
with a bank, secured against two Suezmax tankers. The Company has provided a corporate guarantee for this facility, which 
bears  interest  at  LIBOR  plus  a  margin  and  with  a  term  of  approximately  two  years.  The  net  amount  outstanding  at 
December 31, 2020, was $37.0 million (2019: $0.0 million).

$15 million senior secured term loan facility

In March 2020, three wholly-owned subsidiaries of the Company entered into a $15 million senior secured term loan facility 
with a bank, secured against three container vessels. The Company has provided a corporate guarantee for this facility, which 
bears  interest  at  LIBOR  plus  a  margin  and  with  a  term  of  approximately  five  years.  The  net  amount  outstanding  at 
December 31, 2020, was $12.8 million (2019: $0.0 million).

F-42

$175 million term loan facility 

In March 2020, four wholly-owned subsidiaries of the Company entered into a $175 million term loan facility with a syndicate 
of  banks,  secured  against  four  8,700  TEU  containerships.  The  Company  has  provided  a  limited  corporate  guarantee  for  this 
facility, which bears interest at LIBOR plus a margin and with a term of approximately five years. The net amount outstanding 
at December 31, 2020, was $165.5 million (2019: $0.0 million).

$50 million senior secured term loan facility 

In May 2020, a wholly-owned subsidiary of the Company entered into a $50 million senior secured term loan facility with a 
bank, bearing interest at LIBOR plus a margin and with a term of approximately five years. The facility is secured against a 
308,000 dwt VLCC. The net amount outstanding at December 31, 2020, was $48.6 million (2019: $0.0 million).

$50 million senior secured credit facility 

In November 2020, a wholly-owned subsidiary of the Company entered into a $50 million senior secured term loan facility with 
a  bank,  secured  against  a  container  vessel.  The  Company  has  provided  a  corporate  guarantee  for  this  facility,  which  bears 
interest  at  LIBOR  plus  a  margin  and  with  a  term  of  approximately  four  years.  The  net  amount  outstanding  at  December  31, 
2020, was $50.0 million (2019: $0.0 million).

$475 million term loan and revolving credit facility 

SFL  Linus  was  consolidated  from  October  29,  2020.  (See  Note  17:  Investment  in  Associated  Companies).  In  October  2013, 
SFL  Linus  entered  into  a  $475  million  five  years  term  loan  and  revolving  credit  facility  with  a  syndicate  of  banks  to  partly 
finance the acquisition of the rig. The facility was drawn in February 2014. During the year ended December 31, 2017, certain 
amendments were agreed with the banks under the loan facility, including an extension of the final maturity date by four years. 
In addition, the Company has given the banks a first priority pledge over all shares of SFL Linus and assigned all claims under 
a secured loan made by the Company to SFL Linus in favor of the banks. This loan is secured by a second priority mortgage 
over  the  rig  which  has  been  assigned  to  the  banks.  At  December  31,  2020,  the  balance  outstanding  under  this  facility  was 
$216.0 million (2019: $232.1 million included in Note 17: Investment in associated companies). The Company fully guaranteed 
the facility as at December 31, 2020 (2019: $102.5 million was guaranteed). 

$390 million term loan and revolving credit facility 

SFL  Deepwater  was  consolidated  from  October  29,  2020.  (See  Note  17:  Investment  in  Associated  Companies).  In  October 
2013, SFL Deepwater entered into a $390 million five years term loan and revolving credit facility with a syndicate of banks, 
which was used in November 2013 to refinance the previous loan facility. During the year ended December 31, 2017, certain 
amendments were agreed with the banks under the loan facility, including an extension of the final maturity date by four years. 
In addition, the Company had given the banks a first priority pledge over all shares of SFL Deepwater and assigned all claims 
under a secured loan made by the Company to SFL Deepwater in favor of the banks. This loan was secured by a second priority 
mortgage  over  the  rig  which  has  been  assigned  to  the  banks.  In  October  2020,  the  Company  repurchased  the  total  debt 
outstanding  under  the  facility  of  $176.1  million  for  $110.0  million  and  recognized  a  gain  on  debt  extinguishment  of  $66.1 
million. At December 31, 2020, the balance outstanding under the facility was $0.0 million (2019: $187.9 million included in 
Note 17: Investment in associated companies). The Company guaranteed $0.0 million of this debt at December 31, 2020 (2019: 
$84.7 million). 

$24.9 million senior secured term loan facility

In  February  2019,  three  wholly-owned  subsidiaries  of  the  Company  entered  into  a  $24.9  million  senior  secured  term  loan 
facility with a bank, secured against three Supramax dry bulk carriers. The Company has provided a limited corporate guarantee 
for  this  facility,  which  bears  interest  at  LIBOR  plus  a  margin  and  has  a  term  of  approximately  five  years.  The  net  amount 
outstanding at December 31, 2020, was $20.3 million (2019: $22.9 million).

$50 million senior secured term loan facility

In February 2019, three wholly-owned subsidiaries of the Company entered into a $50 million senior secured term loan facility 
with  a  bank,  secured  against  three  tankers  chartered  to  Frontline  Shipping.  In  2020,  $14.9  million  of  this  facility  was  repaid 
following  the  sale  of  one  tanker  and  the  facility  now  relates  to  the  remaining  two  tankers.  The  Company  has  provided  a 
corporate guarantee for this facility, which bears interest at LIBOR plus a margin and has a term of approximately four years. 
The net amount outstanding at December 31, 2020, was $35.2 million (2019: $50.0 million).

F-43

$29.5 million term loan facility

In  March  2019,  two  wholly-owned  subsidiaries  of  the  Company  entered  into  a  $29.5  million  term  loan  facility  with  a  bank, 
secured  against  two  car  carriers.  The  Company  has  provided  a  corporate  guarantee  for  this  facility,  which  bears  interest  at 
LIBOR  plus  a  margin  and  has  a  term  of  approximately  five  years.  The  net  amount  outstanding  at  December  31,  2020,  was 
$23.0 million (2019:  $27.0 million). 

$33.1 million term loan facility 

In June 2019, five wholly-owned subsidiaries of the Company entered into a $33.1 million term loan facility with a syndicate of 
banks. The Company has provided a corporate guarantee for this facility, which bears interest at LIBOR plus a margin and has 
a  term  of  approximately  four  years.  During  the  year  ended  December  31,  2020  the  five  subsidiaries  were  dissolved  and  the 
facility  was  assigned  to  the  Company.  The  net  amount  outstanding  at  December  31,  2020,  was  $28.8  million  (2019:  $33.1 
million).

$142.5 million senior secured term loan facility

In September 2019, three wholly-owned subsidiaries of the Company entered into a $142.5 million senior secured term loan 
facility with a bank, to partly fund the acquisition of three newbuilding crude oil tankers, against which the facility was secured.  
The Company had provided a corporate guarantee for this facility, which bore interest at LIBOR plus a margin and had a term 
of five years from the delivery of each vessel. During the year ended December 31, 2020, purchase options were exercised on 
the three crude oil tankers. Two of the vessels were delivered in August 2020 and one was delivered in November 2020. The 
portion of the facility relating to each vessel was fully repaid upon delivery. The net amount outstanding at December 31, 2020, 
was $0.0 million (2019: $142.5 million).

$42.6 million secured term loan facility

In February 2010, a wholly-owned subsidiary of the Company entered into a $42.6 million secured term loan facility with a 
bank, bearing interest at LIBOR plus a margin and with a term of approximately five years. The facility was secured against a 
Suezmax  tanker.  In  November  2014  and  November  2019  the  terms  of  the  loan  were  amended  and  restated,  and  the  facility 
matured in February 2020, at which date the loan was repaid in full. The net amount outstanding at December 31, 2020, was 
$0.0 million (2019: $14.9 million).

$42.6 million secured term loan facility 

In March 2010, a wholly-owned subsidiary of the Company entered into a $42.6 million secured term loan facility with a bank, 
bearing  interest  at  LIBOR  plus  a  margin  and  with  a  term  of  approximately  five  years.  The  facility  was  secured  against  a 
Suezmax tanker. In March 2015, the terms of the loan were amended and restated, and the facility matured in March 2020, at 
which  date  the  loan  was  repaid  in  full.  The  net  amount  outstanding  at  December  31,  2020,  was  $0.0  million  (2019:  $14.9 
million). 

$171 million secured term loan facility 

In  May  2011,  eight  wholly-owned  subsidiaries  of  the  Company  entered  into  a  $171  million  secured  loan  facility  with  a 
syndicate  of  banks,  secured  against  a  1,700  TEU  container  vessel  and  seven  Handysize  dry  bulk  carriers.  The  1,700  TEU 
container vessel was sold in May 2018 and the facility now relates to the remaining seven vessels. The facility is supported by 
China Export & Credit Insurance Corporation, or SINOSURE, which provides an insurance policy in favor of the banks for part 
of  the  outstanding  loan.  The  facility  bears  interest  at  LIBOR  plus  a  margin  and  has  a  term  of  approximately  ten  years  from 
delivery of each vessel. The net amount outstanding at December 31, 2020, was $53.2 million (2019: $63.4 million).

$45 million secured term loan and revolving credit facility

In  June  2014,  seven  wholly-owned  subsidiaries  of  the  Company  entered  into  a  $45  million  secured  term  loan  and  revolving 
credit  facility  with  a  bank,  secured  against  seven  4,100  TEU  container  vessels.  The  facility  bears  interest  at  LIBOR  plus  a 
margin and has a term of five years. During June 2019, the terms of loan were amended and the loan was extended by a further 
two years. At December 31, 2020, the available amount under the revolving part of the facility was $0.0 million (2019: $0.0 
million). The net amount outstanding at December 31, 2020, was $45.0 million (2019: $45.0 million).

F-44

  
$20 million secured term loan facility

In September 2014, two wholly-owned subsidiaries of the Company entered into a $20 million secured term loan facility with a 
bank, secured against two 5,800 TEU container vessels. The facility bears interest at LIBOR plus a margin and has a term of 
five years. In September 2019, the terms of the loan were amended and restated, and the facility now matures in March 2024. 
The net amount outstanding at December 31, 2020, was $17.3 million (2019: $19.1 million). 

$127.5 million secured term loan facility 

In  September  2014,  two  wholly-owned  subsidiaries  of  the  Company  entered  into  a  $127.5  million  secured  term  loan  facility 
with a bank, secured against two 8,700 TEU container vessels, which were delivered in 2014. The Company had provided a 
limited corporate guarantee for this facility, which bore interest at LIBOR plus a margin and had a term of seven years. The 
facility  matured  in  April  2020,  and  was  repaid  in  full.  The  net  amount  outstanding  at  December  31,  2020,  was  $0.0  million 
(2019: $84.0 million).

$127.5 million secured term loan facility

In  November  2014,  two  wholly-owned  subsidiaries  of  the  Company  entered  into  a  $127.5  million  secured  term  loan  facility 
with a bank, secured against two 8,700 TEU container vessels, which were delivered in 2015. The Company had provided a 
limited corporate guarantee for this facility, which bore interest at LIBOR plus a margin and had a term of seven years. The 
facility  matured  in  April  2020,  and  was  repaid  in  full.  The  net  amount  outstanding  at  December  31,  2020  was  $0.0  million 
(2019: $87.1 million).

$39 million secured term loan facility

In December 2014, two wholly-owned subsidiaries of the Company entered into a $39 million secured term loan facility with  a 
bank,  secured  against  two  Kamsarmax  dry  bulk  carriers.  The  Company  has  provided  a  limited  corporate  guarantee  for  this 
facility, which bears interest at LIBOR plus a margin and has a term of approximately eight years. The net amount outstanding 
at December 31, 2020, was $21.8 million (2019: $24.3 million).

$166.4 million secured term loan facility

In July 2015, eight wholly-owned subsidiaries of the Company entered into a $166.4 million secured term loan facility with a 
syndicate of banks, secured against eight Capesize dry bulk carriers. The Company has provided a limited corporate guarantee 
for  this  facility,  which  bears  interest  at  LIBOR  plus  a  margin  and  has  a  term  of  seven  years.  The  net  amount  outstanding  at 
December 31, 2020 was $90.1 million (2019: $104.0 million).

$210 million secured term loan facility

In November 2015, three wholly-owned subsidiaries of the Company entered into a $210 million secured term loan facility with 
a syndicate of banks, to partly finance the acquisition of three container vessels, against which the facility is secured. One of the 
vessels  was  delivered  in  2015,  and  the  remaining  two  vessels  were  delivered  in  2016.  The  Company  has  provided  a  limited 
corporate guarantee for this facility, which bears interest at LIBOR plus a margin and has a term of five years from the delivery 
of  each  vessel.  In  November  2020  the  portion  of  the  facility  relating  to  one  subsidiary  matured,  and  the  outstanding  debt  of 
$49.2 million was repaid in full. At December 31, 2020, the net amount outstanding was $99.5 million (2019: $160.8 million).

$76 million secured term loan facility

In August 2017, two wholly-owned subsidiaries of the Company entered into a $76 million secured term loan facility with a 
bank, secured against two product tanker vessels. The two vessels were delivered in August 2017. The Company has provided a 
limited  corporate  guarantee  for  this  facility,  which  bears  interest  at  LIBOR  plus  a  margin  and  has  a  term  of  seven  years.  At 
December 31, 2020, the net amount outstanding was $59.1 million (2019: $64.3 million).  

$50 million secured term credit facility

In June 2018, 15 wholly-owned subsidiaries of the Company entered into a $50 million secured term loan facility with a bank, 
secured  against  15  feeder  size  container  vessels.  The  15  feeder  size  container  vessels  were  delivered  in  April  2018.  The 
Company has provided a corporate guarantee for this facility, which bears interest at LIBOR plus a margin and has a term of 
seven years. The net amount outstanding at December 31, 2020, was $34.1 million (2019: $40.7 million). 

F-45

$17.5 million secured term loan facility due 2023

In December 2018, two wholly-owned subsidiaries of the Company entered into a $17.5 million secured term loan facility with 
a  bank,  secured  against  two  Supramax  dry  bulk  carriers.  The  Company  has  provided  a  limited  corporate  guarantee  for  this 
facility, which bears interest at LIBOR plus a margin and has a term of approximately five years. The net amount outstanding at 
December 31, 2020, was $12.9 million (2019: $15.7 million).

Borrowings secured on Frontline shares

As at December 31, 2019, the Company had a forward contract to repurchase 3.4 million shares of Frontline which expired in 
June  2020  for  $36.8  million.  The  transaction  was  accounted  for  as  a  secured  borrowing,  with  the  shares  transferred  to 
'Marketable securities pledged to creditors' and a liability of $36.8 million recorded within debt at December 31, 2019. During 
the year ended December 31, 2020 the Company repurchased 2.0 million shares subject to the forward contact and repaid $21.1 
million of the secured borrowing.

As at December 31, 2020, the Company had a forward contract which expired in January of 2021, and has subsequently been 
rolled over to April 2021, to repurchase 1.4 million shares of Frontline at a repurchase price of $16.1 million including accrued 
interest. The transaction has been accounted for as a secured borrowing, with the shares transferred to 'Marketable securities 
pledged to creditors' and a liability of $15.6 million recorded within debt at December 31, 2020. The Company is required to 
post collateral of 20% of the total repurchase price plus any negative mark to market movement from the repurchase price for 
the duration of the agreement. As at December 31, 2020 $9.0 million (2019:  $3.5 million) was held as collateral and recorded 
as restricted cash. 

The aggregate book value of assets pledged as security against borrowings at December 31, 2020, was $1,864 million (2019: 
$1,753 million). 

Agreements related to long-term debt provide limitations on the amount of total borrowings and secured debt, and acceleration 
of payment under certain circumstances, including failure to satisfy certain financial covenants. As of December 31, 2020, the 
Company is in compliance with all of the covenants under its long-term debt facilities. 

21.

FINANCE LEASE LIABILITY

(in thousands of $)

Finance lease liability, current portion

Finance lease liability, long-term portion

2020

48,887 

524,200 
573,087 

2019

68,874 

1,037,553 
1,106,427 

River Box was a previously wholly owned subsidiary of the Company. It holds investments in direct financing leases, through 
its  subsidiaries,  related  to  the  19,200  and  19,400  TEU  containerships  MSC  Anna,  MSC  Viviana,  MSC  Erica  and  MSC  Reef 
which were chartered-in on a bareboat basis, each for a period of 15 years from delivery by the shipyard. The four vessels are 
also  chartered-out  for  the  same  15-year  period  on  a  bareboat  basis  to  MSC,  an  unrelated  party.  On  December  31,  2020,  the 
Company sold 50.1% of the shares of River Box to a subsidiary of Hemen, a related party. Following the sale of River Box, the 
investments in the four container vessels accounted for as direct financing leases of $540.9 million and its related finance lease 
liabilities of $464.7 million have been derecognized from the consolidated financial statements of the Company. Refer to Note 
9: Gain on sale of subsidiaries and disposal groups and Note 17: Investment in Associated Companies. 

In  2018,  the  Company  acquired  four  13,800  TEU  container  vessels  and  three  10,600  TEU  container  vessels,  which  were 
subsequently  refinanced  with  an  Asian  based  financial  institution  by  entering  into  separate  sale  and  leaseback  financing 
arrangements. The vessels are leased back for terms ranging from six to 11 years, with options to purchase the vessel after six 
years. Due to the terms of the sale and leaseback arrangements, each option is expected to be exercised on the sixth anniversary. 
These sale and leaseback transactions were accounted for as vessels under finance leases. (See Note 14: Vessels under finance 
lease, net).

F-46

  
 
 
 
 
 
 
 
The Company's future minimum lease liability under the non-cancellable finance leases are as follows:

Year ending December 31,

(in thousands of $)

2021

2022

2023

2024

2025

Thereafter

Total finance lease liability 

Less: imputed interest payable

Present value of finance lease liability

Less: current portion

Finance lease liability, long-term portion

74,735 

74,735 

74,735 

433,866 

— 

— 

658,071 

(84,984) 

573,087 

(48,887) 

524,200 

Interest incurred on the finance lease liability in the year ended December 31, 2020 was $59.6 million (2019: $62.8 million; 
2018: $21.8 million).

Following the adoption of ASU 2016-02 from January 2019, the Company records new and modified leases in accordance with 
ASC 842. The Company elected the practical expedient to not reassess existing leases. The adoption of the standard resulted in 
no opening balance adjustments. See also Note 2: Accounting Policies.

22.

SHARE CAPITAL, ADDITIONAL PAID-IN CAPITAL AND CONTRIBUTED SURPLUS

Authorized share capital is as follows: 

(in thousands of $, except share data)
300,000,000 common shares of $0.01 par value each (December 31, 2019: 200,000,000 
common shares of $0.01 par value each)

Issued and fully paid share capital is as follows:

(in thousands of $, except share data)
127,810,064 common shares of $0.01 par value each (December 31, 2019: 119,391,310 
common shares of $0.01 par value each)

The Company's common shares are listed on the New York Stock Exchange. 

2020

3,000 

2020

1,278 

2019

2,000 

2019

1,194 

On  May  1,  2020,  SFL  filed  a  registration  statement  to  register  the  sale  of  up  to  10,000,000  Common  Shares  pursuant  to  the 
dividend reinvestment plan, or DRIP to facilitate investments by individual and institutional shareholders who wish to invest 
dividend payments received on shares owned or other cash amounts, in the Company's Common Shares on a regular basis, one 
time basis or otherwise. If certain waiver provisions in the DRIP are requested and granted pursuant to the terms of the plan, 
SFL may grant additional share sales to investors from time to time up to the amount registered under the plan.

In  May  2020,  the  Company  entered  into  an  equity  distribution  agreement  with  BTIG  LLC  ("BTIG")  under  which  SFL  may, 
from time to time, offer and sell new ordinary shares having aggregate sales proceeds of up to $100.0 million through an At-
the-Market Sales Agreement offering ('ATM').  

During the year ended December 31, 2020, the Company issued and sold 8.4 million shares under these arrangements and total 
proceeds of $61.5 million net of costs were received, resulting in a premium on issue of $61.4 million.

At the Annual General Meeting of the Company held in August 2020, a resolution was passed to approve an increase of the 
Company’s  authorized  share  capital  from  $2,000,000  equivalent  to  200,000,000  common  shares  of  $0.01  par  value  each  to 
$3,000,000 equivalent to 300,000,000 common shares of $0.01 par value each by the authorization of an additional 100,000,000 
common shares of $0.01 par value each.

F-47

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
During  the  year  ended  December  31,  2020,  the  Company  issued  a  total  of  6,869  new  shares  of  $0.01  each  following  the 
exercise of 17,500 share options (2019: 18,246 new shares issued to satisfy 65,000 options exercised and 2018: no new shares). 
The weighted average exercise price of the options exercised in 2020 was $8.63 per share. In November 2016, the Board of 
Directors renewed the Company's Share Option Scheme (the "Option Scheme"), originally approved in November 2006. The 
Option  Scheme  permits  the  Board  of  Directors,  at  its  discretion,  to  grant  options  to  employees,  officers  and  directors  of  the 
Company  or  its  subsidiaries.  The  fair  value  cost  of  options  granted  is  recognized  in  the  statement  of  operations,  and  the 
corresponding amount is credited to additional paid in capital (see also Note 23: Share option plan).

At the Annual General Meeting of the Company held in September 2018, a resolution was passed to approve an increase of the 
Company’s  authorized  share  capital  from  $1,500,000  divided  into  150,000,000  common  shares  of  $0.01  par  value  each  to 
$2,000,000 divided into 200,000,000 common shares of $0.01 par value each by the authorization of an additional 50,000,000 
common shares of $0.01 par value each.

In May 2018, the Company issued a total of 4,024,984 new shares as part of the consideration paid for the acquisition of four  
2014 built container vessels, each with 13,800 TEU carrying capacity. The vessels are employed under long-term time-charters 
to an unrelated third party.

In April 2018, the Company issued a total of 3,765,842 new shares of par value $0.01 each from up to 7,000,000 issuable under 
a share lending arrangement in relation with the Company's issuance of 4.875% senior unsecured convertible bonds in April 
and May 2018. The shares issued have been loaned to affiliates of the underwriters of the bond issue in order to assist investors 
in the bonds to hedge their position. The bonds are convertible into common shares and mature on May 1, 2023. As required by 
ASC  470-20  "Debt  with  Conversion  and  Other  Options",  the  Company  calculated  the  equity  component  of  the  convertible 
bond, which was valued at $7.9 million at issue date and recorded as "Additional paid-in capital" (see Note 20: Short-term and 
long-term  debt).  During  the  year  ended  December  31,  2020,  the  Company  purchased  bonds  with  principal  amounts  totaling 
$8.4  million  (2019:  $3.4  million).  The  equity  component  of  these  extinguished  bonds  was  valued  at  $0.3  million  (2019: 
$0.2 million) and has been deducted from "Additional paid-in capital". 

In February 2018, the Company redeemed the full outstanding amount under the 3.25% senior unsecured convertible bonds due 
2018.  The  remaining  outstanding  principal  amount  of  $63.2  million  was  paid  in  cash,  and  the  premium  settled  in  common 
shares with the issue of 651,365 new shares.

In October 2017, the Company issued a total of 9,418,798 new shares following separate privately negotiated transactions with 
certain holders of the 3.25% senior unsecured convertible bonds due 2018 for the conversion of a principal amount of $121.0 
million from the outstanding balance of the convertible bonds. 

In November 2016, in relation with the Company's issue in October 2016 of senior unsecured convertible bonds totaling $225 
million, the Company issued 8,000,000 new shares of par value $0.01 each. The shares were issued at par value and have been 
loaned  to  an  affiliate  of  one  of  the  underwriters  of  the  bond  issue,  in  order  to  assist  investors  in  the  bonds  to  hedge  their 
position. The bonds are convertible into common shares and mature on October 15, 2021. The initial conversion rate at the time 
of issuance was 56.2596 common shares per $1,000 bond, equivalent to a conversion price of approximately $17.7747 per share 
to the share price at the time. Since then, dividend distributions have increased the conversion rate to 65.8012, equivalent to a 
conversion price of approximately $15.20 per share. As required by ASC 470-20 "Debt with conversion and Other Options", 
the  Company  calculated  the  equity  component  of  the  convertible  bond,  which  was  valued  at  $4.0  million  and  recorded  as 
"Additional paid-in capital" (see Note 20: Short-term and long-term debt).

During the year ended December 31, 2020, $109.4 million of the dividend declared was paid from contributed surplus (2019:
$31.9 million).

F-48

23.

SHARE OPTION PLAN

In November 2006, the Board of Directors approved the Company's Share Option Scheme (the "Option Scheme"). The Option 
Scheme will expire in November 2026, following the renewal in November 2016. The terms and conditions remain unchanged 
from  those  originally  adopted  in  November  2006  and  permits  the  Board  of  Directors,  at  its  discretion,  to  grant  options  to 
employees, officers and directors of the Company or its subsidiaries. The fair value cost of options granted is recognized in the 
statement  of  operations,  and  the  corresponding  amount  is  credited  to  additional  paid-in  capital.  As  of  December  31,  2020 
additional  paid-in  capital  was  credited  with  $1.0  million  relating  to  the  fair  value  of  options  granted  in  April  2018,  January 
2019, March 2019 and February 2020.

In  February  2020,  the  Company  awarded  a  total  of  350,000  options  to  officers,  employees  and  directors,  pursuant  to  the 
Company's Share Option Scheme. The options have a five year term and a three year vesting period and the first options will be 
exercisable from February 2021 onwards. The initial strike price was $13.45 per share. 

The following summarizes share option transactions related to the Option Scheme in 2020, 2019 and 2018: 

2020

2019

2018

Options outstanding at beginning of year

Granted

Exercised

Forfeited

Weighted 
average 
exercise 
price $

10.72 

Options
  417,500 

Weighted 
average 
exercise 
price $

Weighted 
average 
exercise 
price $

Options

11.43 

  369,500 

13.45 

  525,000 

12.19 

  83,000 

Options

  835,000 

  350,000 

(17,500)   

8.63 

  (65,000)   

9.92 

— 

(85,000)   

11.02 

  (42,500)   

11.80 

  (35,000)   

12.20 

14.67 

— 

10.03 

11.43 

Options outstanding at end of year

 1,082,500 

10.56 

  835,000 

10.72 

  417,500 

Exercisable at end of year

  418,167 

9.45 

  236,167 

9.58 

  111,500 

10.03 

The exercise price of each option is progressively reduced by the amount of any dividends declared. The above figures show 
the  average  of  the  reduced  exercise  prices  at  the  beginning  and  end  of  the  year  for  options  then  outstanding.  For  options 
granted, exercised or forfeited during the year, the above figures show the average of the exercise prices at the time the options 
were granted, exercised or forfeited, as appropriate.

The  fair  values  of  options  granted  are  estimated  on  the  date  of  the  grant,  using  the  Black-Scholes-Merton  option  valuation 
model. The fair values are then expensed over the periods in which the options vest. The weighted average fair value of options 
granted in 2020 was $1.76 per share as at grant date (2019: $2.68; 2018: $3.49). The weighted average assumptions used to 
calculate  the  fair  values  of  the  new  options  granted  in  2020  were  (a)  risk  free  interest  rate  of  1.40%  (2019:  2.36%;  2018: 
2.63%); (b) expected share price volatility of 21.6% (2019: 25.0%; 2018: 29.5%); (c) expected dividend yield of 0% (2019: 0%; 
2018: 0%) and (d) expected life of options 2 years (2019: 3.5 years; 2018: 3.5 years).

The total intrinsic value of 17,500 options exercised in 2020 was $0.2 million on the day of exercise and the Company issued a 
total of 6,869 new shares in full satisfaction of this intrinsic value, with no cash exchanges. 

The total intrinsic value of 65,000 options exercised in 2019 was $0.3 million on the day of exercise and the Company issued a 
total of 18,246 new shares in full satisfaction of this intrinsic value, with no cash exchanges. 

There were no options exercises in 2018. 

As  of  December  31,  2020,  there  are  418,167  options  fully  vested  but  not  exercised  (2019:  236,167  options;  2018:  111,500 
options)  and  their  intrinsic  value  amounted  to  $0.0  million  (2019:  $1.2  million;  2018:  $0.0  million).  The  weighted  average 
remaining term of the vested exercisable options is 1.9 years as of December 31, 2020.

As  of  December  31,  2020,  the  unrecognized  compensation  costs  relating  to  non-vested  options  granted  under  the  Option 
Scheme was $0.7 million (2019: $0.8 million; 2018: $0.3 million) and their intrinsic value amounted to $0.0 million (2019: $2.0 
million; 2018: $0.0 million). This cost will be recognized over the remaining vesting periods, which average 0.7 years (2019: 
1.3 years; 2018: 1.4 years).

F-49

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
During  the  year  ended  December  31,  2020,  the  Company  recognized  a  net  expense  of  $0.9  million  in  compensation  cost 
relating to the stock options (2019: $0.8 million; 2018: $0.4 million).

24.

RELATED PARTY TRANSACTIONS

The  Company  has  had  transactions  with  the  following  related  parties,  being  companies  in  which  our  principal  shareholder 
Hemen Holding and companies associated with Hemen have, or had, a significant direct or indirect interest:

– 

– 

– 

– 

– 

– 

– 

– 

– 

– 

Frontline 

Frontline Shipping Limited ("Frontline Shipping")

Seadrill

Golden Ocean 

Seatankers Management Co. Ltd. (“Seatankers”)

NorAm Drilling

ADS Maritime Holding Plc, formerly known as ADS Crude Carriers Plc ("ADS Maritime Holding")

Golden Close Corporation. Ltd. ("Golden Close")

Sterna Finance Limited ("Sterna Finance")

River Box Holding Limited ("River Box")

The  Consolidated  Balance  Sheets  include  the  following  amounts  due  from  and  to  related  parties  and  associated  companies, 
excluding  investment  in  direct  financing  lease  balances  (Refer  to  Note  16:  Investments  in  sales-type  leases,  direct  financing 
leases and leaseback assets). 

F-50

 
 
(in thousands of $)

Amounts due from:

Frontline Shipping

Frontline

Seadrill

SFL Linus

SFL Deepwater

SFL Hercules

Golden Ocean

Other related parties

Allowance for expected credit losses*

Total amount due from related parties

Loans to related parties - associated companies, long-term

River Box

SFL Deepwater

SFL Hercules

SFL Linus

Total loans to related parties - associated companies, long-term

Long-term receivables from related parties

Frontline

Frontline Shipping

Total long-term receivables from related parties

Amounts due to:

Frontline Shipping

Frontline

Golden Ocean

Other related parties

Total amount due to related parties

2020

2019

2,875 

3,202 

3,613 

— 

— 

— 

— 

2 

(1,974)   

7,718 

45,000 

— 

78,910 

— 

123,910 

— 

— 

— 

836 

1,826 

23 

39 

2,724 

2,948 

6,708 

51 

7,392 

1,246 

3,423 

627 

4 

— 

22,399 

— 

113,000 

80,000 

121,000 

314,000 

9,171 

4,445 

13,616 

3,884 

47 

— 

49 

3,980 

*See Note 3: Recently issued accounting standards and Note 26: Allowance for expected credit losses.

River Box was a previously wholly owned subsidiary of the Company. It holds investments in direct financing leases, through 
its subsidiaries, related to the 19,200 and 19,400 TEU containerships MSC Anna, MSC Viviana, MSC Erica and MSC Reef.  On 
December  31,  2020,  the  Company  sold  50.1%  of  the  shares  of  River  Box  to  a  subsidiary  of  Hemen,  a  related  party.  Net 
proceeds of $17.5 million were received for the shares, resulting in a net gain of $1.9 million on the sale. The Company has 
accounted  for  the  remaining  49.9%  ownership  in  River  Box  using  the  equity  method  (Refer  to  Note  17:  Investment  in 
associated companies).

SFL  Deepwater,  SFL  Hercules  and  SFL  Linus  each  own  the  drilling  units  West  Taurus,  West  Hercules  and  West  Linus 
respectively. These units are leased to subsidiaries of Seadrill, a related party. Because the main assets of SFL Deepwater, SFL 
Hercules and SFL Linus are the subject of leases which each include both fixed price call options and a fixed price purchase 
obligation  or  put  option,  they  were  previously  determined  to  be  variable  interest  entities  in  which  the  Company  was  not  the 
primary  beneficiary  and  therefore  accounted  for  as  investments  in  associated  companies  (Refer  to  Note  17:  Investment  in 
associated companies). 

F-51

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
During the year ended December 31, 2020, Seadrill publicly disclosed that they had appointed financial and legal advisors to 
evaluate  comprehensive  restructuring  alternatives  to  reduce  debt  service  costs  and  overall  indebtedness.  In  September  and 
October 2020, Seadrill failed to pay hire when due under the leases for the three drilling unit. The overdue hires along with 
certain other events, constituted an event of default under such leases and the related financing agreements. Under the terms of 
the leases, charter payment from the sub-charterers of West Hercules and West Linus, were paid into accounts pledged to SFL 
and  its  financing  banks.  During  November  and  December  2020,  Seadrill  and  SFL  entered  into  forbearance  and  funds 
withdrawal  agreements  during  which  Seadrill  was  allowed  to  use  certain  funds  received  from  the  sub-charterers  to  pay 
operating expenses for the rigs in exchange for the Company being paid approximately 65 -75% of the existing contracted lease 
hire related to the West Hercules and the West Linus. Any hire received by Seadrill relating to the sub-charters on these two rigs 
in excess of the withdrawn amounts remained in Seadrill’s earnings accounts pledged to SFL. 

In February 2021, Seadrill and most of its subsidiaries filed Chapter 11 cases in the Southern District of Texas. SFL and certain 
of its subsidiaries have entered into court approved interim agreements with Seadrill relating to two of the Company’s drilling 
rigs, West Linus and West Hercules, allowing for the uninterrupted performance of sub-charters to oil majors while the Chapter 
11 process is ongoing. Pursuant to these agreements, Seadrill will be allowed to use funds received from the respective sub-
charterers  to  pay  a  fixed  level  of  operating  and  maintenance  expenses  in  additional  to  general  and  administrative  costs.  In 
exchange, SFL will receive approximately 65 - 75% of the lease hire under the existing charter agreements for West Linus and 
West Hercules for the same period.  With regards to the third rig, West Taurus, the lease has been rejected by the court and the 
rig will be redelivered to SFL within approximately three months. This rig is debt free and has been held in layup by Seadrill 
for more than five years. SFL is currently evaluating strategic alternatives for this rig, including potential recycling at an EU 
approved recycling facility. (See Note 29: Subsequent Events).

In  October  2020,  the  Company  was  determined  to  be  the  primary  beneficiary  of  SFL  Linus  and  SFL  Deepwater  following 
changes to the financing agreements as a result of defaults by Seadrill. Therefore, from October 2020, these subsidiaries were 
consolidated by the Company.

As described below in "Related party loans", at December 31, 2020 and 2019, the long-term loan from the Company to SFL 
Hercules (2019: loans to SFL Deepwater, SFL Hercules, and SFL Linus) is presented net of its current account to the extent that 
it is an amount due to the associate. (Refer also to Concentration of Risk in Note 25).

Related party leasing and service contracts 

As at December 31, 2020, two of the Company's vessels leased to Frontline Shipping (2019: three) are recorded as investment 
in  direct  financing  leases.  At  December  31,  2020,  the  balance  of  net  investments  in  direct  financing  leases  with  Frontline 
Shipping  was  $76.1  million  before  credit  loss  provision  (2019:  $111.5  million),  of  which  $6.3  million  (2019:  $8.3  million) 
represents short-term maturities.

In  addition,  included  within  vessels  and  equipment  chartered  under  operating  leases  at  December  31,  2020,  there  were  eight 
Capesize dry bulk carriers leased to a fully guaranteed subsidiary of Golden Ocean (2019: eight). At December 31, 2020, the 
net book value of assets leased under operating leases to Golden Ocean was $200.5 million (2019: $201.7 million).

A summary of leasing revenues and repayments from Frontline Shipping and Golden Ocean is as follows:

(in millions of $)

Golden Ocean:

Operating lease income

Profit share

Frontline Shipping:

Direct financing lease interest income

Direct financing lease service revenue

Direct financing lease repayments

Profit share

2020

52.0 

— 

1.7 

6.9 

6.5 

18.6 

2019

51.1 

0.8 

3.8 

9.9 

7.9 

4.8 

2018

53.3 

0.3 

9.6 

22.1 

16.8 

1.5 

F-52

 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
In June 2015, amendments were made to the charter agreements relating to 17 vessels. The amendments, which are effective 
from July 1, 2015, and do not affect the duration of the leases, include reductions in the daily time-charter rates to $20,000 per 
day for VLCCs and $15,000 per day for Suezmax tankers. As consideration for the agreed amendments, the Company received 
55 million shares, (which was reduced to 11 million shares in February 2016 after Frontline enacted a 1-for-5 reverse stock split 
of its ordinary shares) and also an increase in the profit sharing percentage (see below). A dividend restriction was introduced 
on  Frontline  Shipping  whereby  it  can  only  make  distributions  to  its  parent  company  if  it  can  demonstrate  it  meets  certain 
conditions. During the year ended December 31, 2020, the Company sold approximately 2.0 million shares (2019: 7.6 million 
shares)  and  the  investment  in  Frontline  consists  of  approximately  1.4  million  shares  which  are  valued  at  $9.0  million  at 
December 31, 2020. This investment is included in Note 11: Investments in debt and equity securities.

In  the  year  ended  December  31,  2019,  SFL  entered  into  an  agreement  with  Golden  Ocean,  where  the  Company  agreed  to 
finance  EGCS  installations  on  seven  of  the  eight  Capesize  bulk  carriers  with  an  amount  of  up  to  $2.5  million  per  vessel,  in 
return  for  increased  charter  hire  of  $1,535  per  day  for  the  1  January  2020  to  30  June  2025.  The  installations  have  been 
completed during the year ended December 31, 2020, with the cost being capitalized into the value of the assets. Profits sharing 
arrangements were not changed.

Also,  two  of  the  three  VLCC  crude  tankers  underwent  EGCS  installations  during  the  year  ended  December  31,  2019.  The 
Company incurred costs of $4.2 million, which represent a 50% share of joint costs with Frontline Shipping. Profits sharing 
arrangements were not changed.

Frontline Shipping pays the Company profit sharing of 50% of their earnings on a time-charter equivalent basis from their use 
of the Company's fleet above average threshold charter rates calculated on a quarterly basis. The Company earns and recognizes 
profit sharing revenue under the 50% arrangement - see table above. 

In  the  event  that  vessels  on  charter  to  the  Frontline  Shipping  are  agreed  to  be  sold,  the  Company  may  either  pay  or  receive 
compensation  for  the  early  termination  of  the  lease.  In  February  2018,  the  Company  sold  the  VLCC  Front  Circassia  to  an 
unrelated third party and a termination fee of $4.4 million at fair value (face value $8.9 million) was received from Frontline 
Shipping in the form of a loan note. This loan note was settled in February 2020.

In 2018, the Company also sold the VLCCs Front Page, Front Stratus and Front Serenade to a related third party. The vessels 
were delivered to the new owner, ADS Maritime Holding, in July 2018, August 2018 and September 2018, respectively, and an 
aggregate termination fee of $10.1 million at fair value was received from Frontline in the form of three loan notes. These loan 
notes were settled in February 2020. 

In October 2018, the Company sold and delivered the VLCC Front Ariake to an unrelated third party. A termination fee of $3.4 
million at fair value was received from Frontline in the form of a loan note. This loan note was also settled in February 2020. 

In the year ended December 31, 2020, the Company had eight dry bulk carriers operating on time-charters to a subsidiary of 
Golden Ocean, which include profit sharing arrangements whereby the Company earns a 33% share of profits earned by the 
vessels above threshold levels - see table above.

As at December 31, 2020, the Company was owed a total of $2.9 million (2019: $2.9 million) by Frontline Shipping in respect 
of leasing contracts and profit share.

At December 31, 2020, the Company was owed $3.2 million (2019: $6.7 million) by Frontline in respect of various short-term 
items, including vessel management fees and items relating to the operation of vessels trading in a pool with two vessels owned 
by Frontline.

The  vessels  leased  to  Frontline  Shipping  are  on  time  charter  terms  and  for  each  such  vessel  the  Company  pays  a  fixed 
management/operating fee of $9,000 per day to Frontline Management, a wholly owned subsidiary of Frontline. An exception 
to this arrangement is for any vessel leased to Frontline Shipping which is sub-chartered on a bareboat basis, for which there is 
no management fee payable for the duration of the bareboat sub-charter. In addition, during the year ended December 31, 2020, 
the Company also had 16 container vessels, 14 dry bulk carriers, two Suezmax tankers, two car carriers and two product tankers 
operating on time charter or in the spot market, for which the supervision of the technical management was sub-contracted to 
Frontline Management. Management fees incurred are included in the table below.

F-53

 
 
The vessels leased to a subsidiary of Golden Ocean are on time charter terms and for each vessel the Company pays a fixed 
management/operating fee of $7,000 per day to Golden Ocean Management (Bermuda) Ltd. ("Golden Ocean Management"). 
Additionally, in the year ended December 31, 2020, the Company had 16 container vessels and 14 dry bulk carriers operating 
on  time-charters  or  in  the  spot  market,  for  which  part  of  the  operational  management  was  sub-contracted  to  Golden  Ocean 
Management. Management fees incurred are included in the table below. Management fees are classified as vessel operating 
expenses in the consolidated statements of operations.

In  addition  to  leasing  revenues  and  repayments,  the  Company  incurred  fees  with  related  parties.  The  Company  operates  the 
Suezmax tankers Glorycrown and Everbright in the spot market and pays Frontline and its subsidiaries a management fee of 
1.25%  of  chartering  revenues.  The  Company  paid  fees  to  Frontline  Management  for  administrative  services,  including 
corporate services, and fees to Seatankers for the provision of advisory and support services. The Company also paid fees to 
Seatankers Management Norway AS for the provision of office facilities in Oslo, fees to Frontline Corporate Services Ltd for 
the provision of office facilities in London and Golden Ocean for administrative services.

(in thousands of $)

Frontline:

Vessel Management Fees

Commissions and Brokerage

Administration Services Fees

Golden Ocean:

Vessel Management Fees

Operating Management Fees

Administration Services Fees

Seatankers:

Administration Services Fees

Office Facilities:

Seatankers Management Norway AS

Frontline Management AS

Frontline Corporate Services Ltd.

Year ended

December 31, 
2020

December 31, 
2019

December 31, 
2018

8,893 

364 

82 

11,758 

291 

201 

24,033 

287 

323 

20,496 

20,440 

20,440 

887 

70 

520 

94 

186 

226 

894 

30 

739 

104 

198 

212 

793 

— 

290 

108 

185 

166 

As at December 31, 2020, the Company owed Frontline Management and Frontline Management AS a combined total of $0.07 
million (2019: $0.05 million) for various items, including technical supervision fees and office costs.

Related party loans – associated companies 

A summary of loans entered into with River Box and SFL Hercules are as follows: 

(in millions of $) 

Loans granted

Loans outstanding at December 31, 2020

River Box 

SFL Hercules

45

45   

145

79 

The loans to River Box and SFL Hercules are fixed interest rate loans. These loans are repayable in full on November 16, 2033 
and  October  1,  2023,  respectively,  or  earlier  if  the  companies  sell  their  assets.  SFL  is  entitled  to  take  excess  cash  from  SFL 
Hercules, and such amount is recorded within its current account with SFL. The loan agreement specifies that the balance on 
the current accounts will have no interest applied and will be settled via a net off against the eventual repayments of the fixed 
interest loan. In addition to this, as at December 31, 2020 the Company had current receivables of $0.0 million and $0.0 million 
from River Box and SFL Hercules, respectively (2019: $0.0 million; $3.4 million).

F-54

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
SFL  also  has  agreements  with  SFL  Deepwater  and  SFL  Linus  granting  them  loans  of  $145  million  and  $125  million, 
respectively.  The  net  outstanding  loan  balances  as  at  December  31,  2019  were  $113.0  million  and  $121.0  million  for  SFL 
Deepwater and SFL Linus, respectively. In addition to this, as at December 31, 2019 the Company had current receivables of 
$1.2  million  and  $7.4  million  from  SFL  Deepwater  and  SFL  Linus,  respectively.  In  October  2020,  the  Company  was 
determined to be the primary beneficiary of SFL Linus and SFL Deepwater following changes to the financing agreements and 
as a result of defaults by Seadrill and therefore consolidated these entities from this date. 

Interest income received on these loans is as follows: 

(in millions of $)

River Box 

SFL Deepwater*

SFL Hercules

SFL Linus*

December 31, 2020

December 31, 2019

December 31, 2018

Year ended

0.0

3.8  

3.6  

4.5  

0.0

5.1   

3.6   

5.4   

0.0

5.1 

3.6 

5.4 

*Interest  income  for  the  year  ended  December  31,  2020  is  up  until  October  2020,  while  these  entities  were  classified  as 
associated companies. 

Related party purchases and sales of vessels 

In the year ended December 31, 2020 and December 31, 2019, no vessels were sold to related parties.

In the year ended December 31, 2018, the VLCCs Front Page, Front Stratus and Front Serenade which were accounted for as 
direct  financing  leases,  were  sold  to  a  related  party,  ADS  Maritime  Holding.  Gains  of  $0.3  million,  $0.2  million  and  $0.3 
million  were  recorded  on  the  disposal  of  the  vessels,  respectively.  The  gross  proceeds  from  the  sale  was  $22.5  million  per 
vessel  in  addition  to  compensation,  in  the  form  of  loan  notes  of  $3.4  million  each,  received  for  the  early  termination  of  the 
charters. These loan notes were settled in full in February 2020.

Long-term receivables from related parties

In February 2020, Frontline Shipping redeemed in full the loan note received by the Company on the sale of one VLCC Front 
Circassia in 2018. The aggregate amount received on redemption was $8.9 million, the initial face value of the note. At the time 
of the redemption, the loan note had a carrying value of $4.4 million, resulting in a gain of $4.4 million on settlement.

In February 2020, Frontline redeemed in full the loan notes received by the Company on the sale of four VLCCs Front Page, 
Front Stratus, Front Serenade and Front Ariake in 2018. The aggregate amount received on redemption was $11.0 million. At 
the time of the redemption, the loan notes had a carrying value of $11.0 million, resulting in a gain of $0.0 million on disposal. 

The Company received the following interest income and loan repayments on the loan notes:

(in thousands of $)

Interest income

Frontline Shipping

Frontline

(in millions of $)

Loan repayments 

Frontline Shipping*

Frontline

December 31, 2020

December 31, 2019

December 31, 2018

Year ended

82

97

8.9   

11.0

734

908

—   

1.7

537

340

— 

0.5

 *  Non amortizing loan note so there was no repayment received in 2019 and 2018. 

F-55

 
  
Other related party transactions 

In February 2020, the Company delivered the 2002-built VLCC Front Hakata to an unrelated third party for sale proceeds of 
$33.5 million. Furthermore, the Company agreed with Frontline Shipping to terminate the long-term charter for the vessel upon 
the  sale  and  delivery,  and  paid  $3.2  million  compensation  for  early  termination  of  the  charter.  A  gain  of  $1.4  million  was 
recognized on the sale during the year ended December 31, 2020. 

In  December  2019,  the  Company  signed  a  $7.5  million  senior  unsecured  revolving  credit  facility  agreement  with  ADS 
Maritime  Holding,  as  ‘Borrower’  whereby  SFL  would  provide  $5  million  of  the  unsecured  facility  or  67%.  The  facility  was 
available for 12 months and carried an interest rate and a commitment fee on the undrawn available balance of the facility. The 
borrower  could  have  voluntarily  cancelled  or  repaid  the  facility,  in  whole  or  part.  The  Company  received  an  upfront  fee  of 
$50,000 in respect of this contract in the year ended December 31, 2019.  

In May 2018, four wholly-owned subsidiaries of the Company entered into a $320.0 million unsecured loan facility provided by 
an affiliate of Hemen, Sterna Finance. The unsecured intermediary loan facility was entered into partly to fund the acquisition 
of four 13,800 TEU container vessels acquired in May 2018. The Company had provided a corporate guarantee for this loan 
facility, which had a fixed interest rate, was non-amortizing and had a term of 13 months from the drawdown date of the loan. 
Interest expense incurred on the loan in the year ended December 31, 2020 was $0.0 million (2019: $0.0 million; 2018: $6.4 
million). The loan balance was prepaid in full in November 2018.

In August 2018, the Company acquired approximately 4.0 million shares in ADS Maritime Holding, a newly formed company 
trading  on  the  Oslo  Merkur  Market.  The  shares  were  purchased  for  $10.0  million,  and  have  a  fair  value  of  $8.9  million  at 
December  31,  2020  (Refer  to  Note  11:  Investments  in  debt  and  equity  securities).  These  shares  represent  17%  of  the 
outstanding shares in the Company. 

In  November  2016,  the  Company  acquired  approximately  12  million  shares  in  NorAm  Drilling  for  a  consideration  of 
approximately  $0.7  million.  In  November  2018,  NorAm  undertook  a  share  consolidation  of  20:1,  resulting  in  a  revised 
investment of 601,023 shares. On the same day NorAm participated in a rights issue, increasing the Company's investment in 
shares by approximately 0.6 million shares. In December 2018, the Company acquired an additional 41,756 shares bringing the 
total investment in NorAm to approximately 1.3 million shares with a fair value of $3.9 million. At December 31, 2020 the fair 
value of the investment was $1.5 million (Refer to Note 11: Investments in debt and equity securities).

The Company also holds within "Investments in Debt and Equity Securities" senior secured corporate bonds in NorAm Drilling 
due 2021. In 2018, the Company redeemed a total of approximately 0.5 million units at par value and recorded no gain or loss 
on  redemption.  In  the  year  ended  December  31,  2019,  the  Company  partially  disposed  of  its  investment  in  NorAm  Drilling 
securities at par value of $0.3 million. The fair value of the remaining holding at December 31, 2020 was $4.6 million (2019: 
$4.7 million; 2018: $5.2 million). (Refer to Note 11: Investments in debt and equity securities).

During  the  year  ended  December  31,  2018,  the  Company  divested  its  holding  in  Golden  Close  securities.  The  Company 
received net proceeds of $45.6 million, resulting in an overall gain of $13.5 million. The Company earned $0.2 million interest 
income on its holding of investments in secured notes issued by Golden Close, up to the date of divestment, in the year ended 
December 31, 2018. In the year ended December 31, 2019, the Company received $2.0 million final dividend distribution upon 
the  liquidation  of  Golden  Close.  As  at  December  31,  2020,  the  net  investment  in  Golden  Close  debt  and  equity  securities  is 
$0.0 million (2019: $0.0 million; 2018: $0.0 million).

Dividends and interest income received from shares held in and secured notes issued by related parties: 

(in thousands of $)

Dividends received 

ADS Maritime Holding

Frontline

Golden Close

Interest income received

NorAm Drilling 

Golden Close

December 31, 2020

December 31, 2019

December 31, 2018

Year ended 

2,930   

3,100   

—   

420   

—   

F-56

261   

340   

1,989   

459   

—   

— 

— 

— 

506 

242 

 
 
 
 
 
25. 

FINANCIAL INSTRUMENTS

In certain situations, the Company may enter into financial instruments to reduce the risk associated with fluctuations in interest 
rates and exchange rates. The Company has a portfolio of swaps which swap floating rate interest to fixed rate, and which also 
fix the Norwegian kroner to US dollar exchange rate applicable to the interest payable and principal repayment on the NOK 
bonds.  From  a  financial  perspective  these  swaps  hedge  interest  rate  and  exchange  rate  exposure.  The  counterparties  to  such 
contracts are DNB Bank ASA, Nordea Bank Finland Plc., ABN AMRO Bank N.V., NIBC Bank N.V., Skandinaviska Enskilda 
Banken AB (publ), ING Bank N.V., Danske Bank A/S, Swedbank AB (publ), Credit Agricole Corporate & Investment Bank 
S.A.,  Sumitomo  Mitsui  Banking  Corporation,  BNP  Paribas  and  Commonwealth  Bank  of  Australia.  Credit  risk  exists  to  the 
extent that the counterparties are unable to perform under the contracts, but this risk is considered not to be substantial as the 
counterparties are all banks which have provided the Company with loans.

The following tables present the fair values of the Company's derivative instruments that were designated as cash flow hedges 
and qualified as part of a hedging relationship, and those that were not designated: 

2020

2019

— 
— 

— 
28 
3,373 

— 
5 
3,406 

520 
520 

377 
189 
— 

2,913 
— 
3,479 

2020

2019

703 

6,067 

869 

1,572 

7,926 

3,006 

8,301 

13,479 

32,712 

— 

6,067 

5,477 

2,105 

11,049 

1,948 

20,579 

(in thousands of $)
Designated derivative instruments -short-term assets:

Interest rate swaps

Total derivative instruments - short-term assets
Designated derivative instruments -long-term assets:

Interest rate swaps
Cross currency interest rate swaps
Cross currency swaps

Non-designated derivative instruments -long-term assets:

Interest rate swaps
Cross currency swaps

Total derivative instruments - long-term assets

(in thousands of $)

Designated derivative instruments -short-term liabilities:

Interest rate swaps

Non-designated derivative instruments -short-term liabilities:

Interest rate swaps

Total derivative instruments - short-term liabilities

Designated derivative instruments -long-term liabilities:

Interest rate swaps

Cross currency interest rate swaps

Cross currency swaps

Non-designated derivative instruments -long-term liabilities:

Interest rate swaps

Total derivative instruments - long-term liabilities

F-57

 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Interest rate risk management 

The Company manages its debt portfolio with interest rate swap agreements denominated in U.S. dollars and Norwegian kroner 
to  achieve  an  overall  desired  position  of  fixed  and  floating  interest  rates.  At  December  31,  2020,  the  Company  and  its 
consolidated subsidiaries had entered into interest rate swap transactions, involving the payment of fixed rates in exchange for 
LIBOR  or  NIBOR,  as  summarized  below.  The  summary  includes  all  swap  transactions,  most  of  which  are  hedges  against 
specific loans. 

Notional Principal (in thousands of $)

$100,000 (remaining at $100,000)

$96,600 (terminating at $79,733)

$100,000 (remaining at $100,000)

$39,313 (reducing to $35,063)

$21,840 (reducing to $19,413)

$50,313 (remaining at $50,313)

$56,000 (remaining at $56,000)

$14,699 (equivalent to NOK128 million)

$11,254 (equivalent to NOK100 million)

$30,000 (remaining at $30,000)

$48,332 (equivalent to NOK420 million)

$100,000 (remaining at $100,000)

$67,500 (remaining at $67,500)

$159,777 (reducing to $92,233)

$48,610 (reducing to $45,135)

Trade date

August 2011

May 2012

March 2013

December 2014

September 2015

June 2016

June 2019

June 2019

August 2019

May 2019

May 2019

August 2019

January 2020

Maturity date

Fixed interest rate

August 2021

August 2022

April 2023

January 2022

March 2022

February 2021

September 2023

2.50% - 2.93%

1.76% - 1.85%

1.85% - 1.97% 
2.97%

1.67%

 1.07%

1.84% †

September 2023

6.70% - 6.77% *

September 2023

June 2024

June 2024

August 2029

October 2024

6.378% *

2.15% †

6.85% - 6.90% *

1.45% - 1.60%

1.40% †

April 2020 October 2024 - January 2025

0.46% - 0.47%

May 2020

May 2022

0.28%

*  These  swaps  relate  to  the  NOK700  million  and  NOK700  million  unsecured  bonds  due  2023  and  2024  respectively, 

whereby the fixed interest rate paid is exchanged for NIBOR plus the margin on the bond. 

†  These swaps relate to the NOK700 million, NOK700 million and NOK600 million unsecured bonds due 2023, 2024 and 
2025 respectively, where a fixed interest rate is paid in exchange for LIBOR excluding margin on the underlying bonds. 

The total net notional principal amount subject to interest swap agreements as at December 31, 2020, was $0.9 billion (2019: 
$1.0 billion).

Foreign currency risk management 

The Company is party to currency swap transactions, involving the payment of U.S. dollars in exchange for Norwegian kroner 
and  the  payment  of  Norwegian  kroner  in  exchange  for  U.S.  dollars,  which  are  designated  as  hedges  against  the  NOK700 
million, NOK700 million and NOK600 million senior unsecured bonds due 2023, 2024 and 2025 respectively. 

Principal Receivable

Principal Payable

NOK600 million

NOK100 million

NOK700 million

NOK600 million

US$76.8 million

US$11.3 million

US$80.5 million

US$67.5 million

Trade date

Maturity date

September 2018

September 2023

August 2019

September 2023

May 2019

June 2024

January 2020

January 2025

Apart  from  the  NOK700  million,  NOK700  million  and  NOK600  million  senior  unsecured  bonds  due  2023,  2024  and  2025, 
respectively, the majority of the Company's transactions, assets and liabilities are denominated in U.S. dollars, the functional 
currency of the Company. Other than the corresponding currency swap transactions summarized above, the Company has not 
entered into forward contracts for either transaction or translation risk. Accordingly, there is a risk that currency fluctuations 
could have an adverse effect on the Company's cash flows, financial condition and results of operations.

F-58

 
 
 
 
Fair Values 

The carrying value and estimated fair value of the Company's financial assets and liabilities at December 31, 2020, and 2019, 
are as follows: 

(in thousands of $)

Non-derivatives:

Available-for-sale debt securities

Equity Securities

Equity securities pledged to creditors

Floating rate NOK bonds due 2020

Floating rate NOK bonds due 2023

Floating rate NOK bonds due 2024

Floating rate NOK bonds due 2025

5.75% unsecured convertible bonds due 2021

4.875% unsecured convertible bonds due 2023

Derivatives:

Interest rate/ currency swap contracts – short-
term receivables
Interest rate/ currency swap contracts – long-
term receivables
Interest rate/ currency swap contracts – short-
term payables
Interest rate/ currency swap contracts – long-
term payables

2020

2020

2019

2019

Carrying value

Fair value

Carrying value

Fair  value

9,431 

10,367 

9,007 

— 

81,572 

80,989 

62,927 

212,230 

139,900 

— 

3,406 

1,572 

9,431 

10,367 

9,007 

— 

78,513 

76,940 

57,421 

199,496 

123,112 

— 

3,406 

1,572 

12,753 

17,551 

43,775 

56,910 

79,674 

79,674 

— 

212,230 

148,300 

520 

3,479 

6,067 

12,753 

17,551 

43,775 

58,191 

81,567 

79,674 

— 

227,025 

165,503 

520 

3,479 

6,067 

32,712 

32,712 

20,579 

20,579 

The  above  short-term  receivables  relating  to  interest  rate/  currency  swap  contracts  at  December  31,  2019,  all  relate  to 
designated  hedges.  The  above  long-term  receivables  relating  to  interest  rate/  currency  swap  contracts  at  December  31,  2020, 
include  $0.0  million  which  relates  to  non-designated  swap  contracts  (2019:  $2.9  million),  with  the  balance  relating  to 
designated  hedges.  The  above  short-term  payables  relating  to  interest  rate/  currency  swap  contracts  at  December  31,  2020, 
include  $0.9  million  which  relates  to  non-designated  swap  contracts  (2019:  $0.0  million),  with  the  balance  relating  to 
designated  hedges.  The  above  long-term  payables  relating  to  interest  rate/  currency  swap  contracts  at  December  31,  2020, 
include  $13.5  million  which  relates  to  non-designated  swap  contracts  (2019:  $1.9  million),  with  the  balance  relating  to 
designated hedges. 

In accordance with the accounting policy relating to interest rate and currency swaps (see Note 2 "Accounting policies"), and 
following the adoption of ASU 2017-12, where the Company has designated the swap as a hedge, changes in the fair values of 
interest rate swaps are recognized in other comprehensive income. Changes in the fair value of other swaps not designated as 
hedges are recognized in the Consolidated Statement of Operations.

F-59

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
The above fair values of financial assets and liabilities as at December 31, 2020, are measured as follows: 

December 31, 2020

Fair value measurements using

Quoted Prices 
in Active 
Markets for 
Identical Assets

Significant 
Other 
Observable 
Inputs

Significant 
Unobservable 
Inputs

(Level 1)

(Level 2)

(Level 3)

(in thousands of $)

Assets:

Available-for-sale debt securities

Equity securities

Equity securities pledged to creditors

Interest rate/ currency swap contracts - long-
term receivables

Total assets

Liabilities:

Floating rate NOK bonds due 2023

Floating rate NOK bonds due 2024

Floating rate NOK bonds due 2025

5.75% unsecured convertible bonds due 2021

4.875% unsecured convertible bonds due 2023  
Interest rate/ currency swap contracts – short-
term payables
Interest rate/ currency swap contracts – long-
term payables

Total liabilities

9,431 

10,367 

9,007 

3,406 

32,211 

78,513 

76,940 

57,421 

199,496 

123,112 

1,572 

32,712 

569,766 

4,643 

10,367 

9,007 

24,017 

78,513 

76,940 

57,421 

199,496 

123,112 

535,482 

4,788 

3,406 

8,194 

1,572 

32,712 

34,284 

— 

— 

F-60

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
The above fair values of financial assets and liabilities as at December 31, 2019, were measured as follows:

(in thousands of $)

Assets:

Available-for-sale debt securities

Equity securities
Equity securities pledged to creditors

Interest rate/ currency swap contracts – short-
term receivables
Interest rate/ currency swap contracts – long-
term receivables

Total assets

Liabilities:

Floating rate NOK bonds due 2020

Floating rate NOK bonds due 2023

Floating rate NOK bonds due 2024

5.75% unsecured convertible bonds due 2021

4.875% unsecured convertible bonds due 2023  
Interest rate/ currency swap contracts – short-
term payables
Interest rate/ currency swap contracts – long-
term payables

Total liabilities

December 31, 2019

Fair value measurements using

Quoted Prices 
in Active 
Markets for 
Identical Assets

Significant 
Other 
Observable 
Inputs

Significant 
Unobservable 
Inputs

(Level 1)

(Level 2)

(Level 3)

12,753 

17,551 

43,775 

520 

3,479 

78,078 

58,191 

81,567 

79,674 

227,025 

165,503 

6,067 

20,579 

638,606 

4,690 

17,551 

43,775 

66,016 

58,191 

81,567 

79,674 

227,025 

165,503 

611,960 

8,063 

— 

520 

3,479 

12,062 

6,067 

20,579 

26,646 

— 

— 

ASC  Topic  820  "Fair  Value  Measurement  and  Disclosures"  ("ASC  820")  emphasizes  that  fair  value  is  a  market-based 
measurement, not an entity-specific measurement, and should be determined based on the assumptions that market participants 
would use in pricing the asset or liability. As a basis for considering market participant assumptions in fair value measurements, 
ASC  820  establishes  a  fair  value  hierarchy  that  distinguishes  between  market  participant  assumptions  based  on  market  data 
obtained from sources independent of the reporting entity (observable inputs that are classified within levels one and two of the 
hierarchy)  and  the  reporting  entity's  own  assumptions  about  market  participant  assumptions  (unobservable  inputs  classified 
within level three of the hierarchy).

Level  1  inputs  utilize  unadjusted  quoted  prices  in  active  markets  for  identical  assets  or  liabilities  that  the  Company  has  the 
ability to access. Level 2 inputs are inputs other than quoted prices included in level one that are observable for the asset or 
liability,  either  directly  or  indirectly.  Level  2  inputs  may  include  quoted  prices  for  similar  assets  and  liabilities  in  active 
markets, as well as inputs that are observable for the asset or liability, other than quoted prices, such as interest rates, foreign 
exchange rates and yield curves that are observable at commonly quoted intervals. Level 3 inputs are unobservable inputs for 
the  assets  or  liabilities,  which  typically  are  based  on  an  entity's  own  assumptions,  as  there  is  little,  if  any,  related  market 
activity. In instances where the determination of the fair value measurement is based on inputs from different levels of the fair 
value hierarchy, the level in the fair value hierarchy within which the entire fair value measurement falls is based on the lowest 
level input that is significant to the fair value measurement in its entirety. The Company's assessment of the significance of a 
particular  input  to  the  fair  value  measurement  in  its  entirety  requires  judgment,  and  considers  factors  specific  to  the  asset  or 
liability.

Investment in equity securities consist of (i) listed Frontline shares (ii) NorAm Drilling shares traded in the OTC market and 
(iii) ADS Maritime Holding Plc shares traded on the Merkur Market whilst the investments in available-for-sale debt securities 
consist of listed and unlisted corporate bonds. 

F-61

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
At  December  31,  2020,  the  Company  determined  that  the  available  for  sale  corporate  bonds  held  in  Oro  Negro  and  NT  Rig 
Holdco  valued  at  $4.8  million  (2019:  $8.1  million)  should  be  classified  as  Level  2  measurements  (2019:  Level  2).  The  fair 
value  of  these  corporate  bonds  is  based  on  the  latest  available  quoted  prices,  but  due  to  low  levels  of  trading  the  Company 
concluded that level one classification was not appropriate at December 31, 2020.

The  estimated  fair  values  for  the  floating  rate  NOK  bonds  due  2023,  2024  and  2025,  and  the  5.75%  and  4.875%  unsecured 
convertible bonds are based on the quoted market prices as at the balance sheet date.

The  fair  value  of  interest  rate  and  currency  swap  contracts  is  calculated  using  established  independent  valuation  techniques 
applied to contracted cash flows and LIBOR/NIBOR interest rates as at the balance sheet date.

Concentrations of risk 

There  is  a  concentration  of  credit  risk  with  respect  to  cash  and  cash  equivalents  to  the  extent  that  amounts  are  carried  with 
Skandinaviska Enskilda Banken, ABN AMRO, Nordea, Credit Agricole Corporate and Investment Bank, ING Bank, Danske 
Bank, BNPP Bank, Credit Suisse, Morgan Stanley and DNB Bank. However, the Company believes this risk is remote, as these 
financial  institutions  are  established  and  reputable  establishments  with  no  prior  history  of  default.  The  Company  does  not 
require collateral or other securities to support financial instruments that are subject to credit risk.

There is also a concentration of revenue risk with certain customers to whom the Company has chartered multiple vessels.  

In  the  year  ended  December  31,  2020,  Frontline  Shipping  accounted  for  approximately  6%  of  our  consolidated  operating 
revenues (2019: 4%, 2018: 8%). Frontline Shipping is a 100% owned subsidiary of Frontline, but the performance under the 
leases  is  not  guaranteed  by  Frontline  following  amendments  agreed  in  2015.  There  is  no  requirement  for  a  minimum  cash 
balance in Frontline Shipping, but in exchange for releasing the guarantee a dividend restriction was introduced on Frontline 
Shipping whereby it can only make distributions to its parent company if it can demonstrate it will have minimum free cash of 
$2 million per vessel both prior to and following (i) such distribution and (ii) the payment of the next hire due and any profit 
share accrued under the charters. Due to the current depressed tanker market, there is a risk that Frontline Shipping may not 
have sufficient funds to pay the agreed charterhires. However, the performance under the fixed price agreements with Frontline 
Management  whereby  we  pay  management  fees  of  $9,000  per  day  for  each  vessel  to  cover  all  operating  costs  including 
drydocking costs, is guaranteed by Frontline.

In  the  year  ended  December  31,  2020,  the  Company  had  eight  Capesize  dry  bulk  carriers  leased  to  a  subsidiary  of  Golden 
Ocean which accounted for approximately 11% of our consolidated operating revenues (2019: 11%, 2018: 13%). 

The  Company  also  earned  income  on  32  container  vessels  on  long-term  bareboat  charters  to  MSC,  which  accounted  for 
approximately 13% of our consolidated operating revenues in the year ended December 31, 2020 (2019: 14%, 2018: 11%).

The  Company  had  12  container  vessels  on  long-term  time  charters  to  Maersk  A/S  (“Maersk”)  at  December  31,  2020,  which 
accounted for approximately 29% of our consolidated operating revenues (2019: 30%; 2018: 27%).

In  the  year  ended  December  31,  2020,  the  company  had  four  container  vessels  on  time  charter  to  Evergreen  Marine  Corp., 
which accounted for approximately 15% of our consolidated operating revenues in the year ended December 31, 2020 (2019: 
14%, 2018: 10%).

In  addition,  a  significant  portion  of  our  net  income  has  been  generated  from  our  associated  companies  that  lease  rigs  to 
subsidiaries  of  Seadrill.  In  October  2020,  two  of  these  three  companies  were  consolidated.  (see  note  17:  Investment  in 
associated companies.) In the year ended December 31, 2020, income from our associated companies accounted for 7.2% of our 
net loss (2019: 35.0% of net income, 2018: 39.1% of net income). Also, in the year ended December 31, 2020, revenue from 
subsidiaries  that  were  consolidated  from  October  2020  and  leased  to  Seadrill,  accounted  for  approximately  1%  of  our 
consolidated operating revenues (2019: 0%, 2018: 0%).

F-62

 
 
During the year ended December 31, 2020, Seadrill publicly disclosed that they had appointed financial and legal advisors to 
evaluate  comprehensive  restructuring  alternatives  to  reduce  debt  service  costs  and  overall  indebtedness.  In  September  and 
October 2020, Seadrill failed to pay hire when due under the leases for the three drilling unit. The overdue hires along with 
certain other events, constituted an event of default under such leases and the related financing agreements. Under the terms of 
the leases, charter payment from the sub-charterers of West Hercules and West Linus, were paid into accounts pledged to SFL 
and  its  financing  banks.  During  November  and  December  2020,  Seadrill  and  SFL  entered  into  forbearance  and  funds 
withdrawal  agreements  during  which  Seadrill  was  allowed  to  use  certain  funds  received  from  the  sub-charterers  to  pay 
operating expenses for the rigs in exchange for the Company being paid approximately 65 -75% of the existing contracted lease 
hire related to the West Hercules and the West Linus. Any hire received by Seadrill relating to the sub-charters on these two rigs 
in excess of the withdrawn amounts remained in Seadrill’s earnings accounts pledged to SFL. 

In  October  2020,  the  Company  was  determined  to  be  the  primary  beneficiary  of  SFL  Linus  and  SFL  Deepwater  following 
changes  to  the  financing  agreements  and  as  a  result  of  defaults  by  Seadrill.  Therefore,  from  October  2020  these  subsidiaries 
were consolidated by the Company. (See Note 17: Investment in Associated Companies). 

River Box was a previously wholly owned subsidiary of the Company. River Box holds investments in direct financing leases, 
through its subsidiaries, related to the 19,200 and 19,400 TEU containerships MSC Anna, MSC Viviana, MSC Erica and MSC 
Reef. On December 31, 2020, the Company sold 50.1% of the shares of River Box to a subsidiary of Hemen, a related party. 
The  Company  has  accounted  for  the  remaining  49.9%  ownership  in  River  Box  using  the  equity  method.  (See  Note  17: 
Investment in Associated Companies). 

As discussed in Note 27: Commitments and contingent liabilities, the Company, at December 31, 2020, guaranteed a total of 
$83.1 million (2019: $266.1 million) of the bank debt of its associated companies and had net outstanding receivable balance on 
loans granted by the Company to these associated companies totaling $123.9 million (2019: $326.1 million). The loans granted 
by  the  Company  are  considered  not  impaired  at  December  31,  2020  due  to  the  fair  value  of  the  jack-up  rig  owned  by  SFL 
Hercules and the fair value of the vessels owned by River Box exceeding the book values at December 31, 2020.

26. 

ALLOWANCE FOR EXPECTED CREDIT LOSSES

On  January  1,  2020  the  Company  was  required  to  adopt  ASU  2016-13  which  introduces  a  new  credit  loss  methodology, 
requiring earlier recognition of potential credit losses. ASU 2016-13, was adopted using the modified retrospective method (see 
Note 2: Accounting Policies). The provision is based on an assessment of the impact of current and expected future conditions, 
and at December 31, 2020, this is inclusive of the Company's estimate of the potential effect of the COVID-19 pandemic on 
credit  losses.  The  duration  and  severity  of  COVID-19  and  continued  market  volatility  is  highly  uncertain  and,  as  such,  the 
impact on expected credit losses is subject to significant judgment and may cause variability in the Company’s allowance for 
credit  losses  in  future  periods.  Movements  in  the  allowance  for  expected  credit  losses  may  result  in  gains  as  well  as  losses 
recorded in income as changes occur in the balances of our financial assets and the risk profiles of our counterparties.   

The following table presents the impact of the allowance for expected credit losses on the Company's balance sheet line items 
for the year ended December 31, 2020.

(in thousands of $)

Balance at December 31, 2019
Impact of the adoption of ASU 2016-13 
on retained earnings (Note 2)

Additions from associates

Sale of 50.1% of subsidiary
Change in allowance recorded in 'other 
financial items'

Balance at December 31, 2020

Trade 
receivables

Other 
receivables

Related 
Party 
receivables

Investment 
in sales-
type, direct 
financing 
leases and 
leaseback 
assets

Other long-
term assets

Total

—   

—   

—   

—   

10   

— 

5,614 

3,361 

(1,575) 

1,884   

1,894   

1,771 

9,171 

4,799   

2,025 

(1,575) 

(859)  

4,390   

—   

19   

580   

206   

1,336   

14   

33   

301   

881   

431   

1,973   

F-63

 
 
 
 
 
 
 
 
 
The  impact  of  the  allowance  for  expected  credit  losses  on  the  associates  is  disclosed  in  Note  17:  Investment  in  associated 
companies.

In October, 2020, two of the 100% owned subsidiaries accounted for as associates, SFL Linus and SFL Deepwater, ceased to be 
accounted  for  as  associates  and  become  consolidated.  Furthermore,  the  Company  sold  50.1%  of  its  subsidiary  River  Box 
Holding Inc. resulting in the remaining investment being accounted for as an investment in associates.  Refer to Note 9: Gain on 
sale of subsidiaries and Note 17: Investment in associated companies.

27. 

COMMITMENTS AND CONTINGENT LIABILITIES

Assets Pledged

(in millions of $)

Vessels and equipment, net

Investments in sales-type, direct financing leases and leaseback assets

Book value of consolidated assets pledged under ship mortgages

Assets with finance lease liabilities

(in millions of $)

Vessels under finance lease, net

Investments in direct financing leases 

Total book value

2020

1,189   

675   

1,864   

2020

697   

—   

697   

2019

1,352 

401 

1,753 

2019

714 

563 

1,277 

The  Company  and  its  equity-accounted  subsidiaries  have  funded  their  acquisition  of  vessels,  jack-up  rig  and  ultra-deepwater 
drilling units through a combination of equity, short-term debt and long-term debt. Providers of long-term loan facilities usually 
require that the loans be secured by mortgages against the assets being acquired. As at December 31, 2020, the Company ($1.7 
billion) and its 100% equity-accounted subsidiaries ($185.8 million) had a combined outstanding principal indebtedness of $1.8 
billion (2019: $2.2 billion) under various credit facilities.

As at December 31, 2020, the Company had a forward contract which expired in January of 2021, and has subsequently been 
rolled over to April 2021, to repurchase 1.4 million shares of Frontline (December 31, 2019: 3.4 million shares) with a carrying 
value of $9.0 million (December 31, 2019: $43.8 million). The transaction has been accounted for as a secured borrowing, with 
the  shares  transferred  to  'Marketable  securities  pledged  to  creditors'  and  a  liability  of  $15.6  million  recorded  within  debt  at 
December  31,  2020  (December  31,  2019:  $36.8  million).  At  December  31,  2020  the  shares,  together  with  a  restricted  cash 
balance of $9.0 million (December 31, 2019: $3.5 million), have been pledged as part of the forward agreement. 

Other Contractual Commitments and Contingencies

The Company has arranged insurance for the legal liability risks for its shipping activities with Gard P.& I. (Bermuda) Ltd., 
Assuranceforeningen Skuld (Gjensidig), The Steamship Mutual Underwriting Association Limited, The West of England Ship 
Owners Mutual Insurance Association (Luxembourg), North of England P&I Association Limited, The Standard Club Europe 
Ltd,  The  United  Kingdom  Mutual  Steam  Ship  Assurance  Association  (Europe)  Limited  and  The  Britannia  Steam  Ship 
Insurance Association Limited, all of which are mutual protection and indemnity associations. The Company is subject to calls 
payable to the associations based on the Company’s claims record in addition to the claims records of all other members of the 
associations.  A  contingent  liability  exists  to  the  extent  that  the  claims  records  of  the  members  of  the  associations  in  the 
aggregate show significant deterioration, which may result in additional calls on the members.

SFL  Hercules  is  a  wholly-owned  subsidiary  of  the  Company,  which  is  accounted  for  using  the  equity  method.  Accordingly, 
their assets and liabilities are not consolidated in the Company's Consolidated Balance Sheets, but are presented on a net basis 
under "Investment in associated companies". See Note 17: Investment in associated companies. As at December 31, 2020, its 
bank borrowings amounted to $185.8 million (2019: $201.9 million) and the Company guaranteed $83.1 million (2019: $78.9 
million) of this debt which is secured by first priority mortgage over the drilling unit. 

F-64

 
 
 
 
 
 
 
In  addition,  the  Company  has  assigned  all  claims  it  may  have  under  its  secured  loan  to  SFL  Hercules  in  favor  of  the  lender 
under its credit facility. This loan had a net outstanding balance of $78.9 million at December 31, 2020, (2019: $80.0 million) 
and  is  secured  by  second  priority  mortgage  over  the  drilling  unit,  which  has  been  assigned  to  the  lender  under  the  credit 
facilities. The lender has also been granted a first priority pledge over all shares of SFL Hercules.

Capital commitments

As  at  December  31,  2020,  the  Company  has  committed  $5.8  million  towards  the  procurement  of  scrubbers  on  nine  vessels 
owned by the Company (December 31, 2019, $33.4 million on 13 vessels), with installations expected to take place up to the 
end of 2021.

As at December 31, 2020, the Company has also committed to paying $7.0 million towards the installation of BWTS on 16 
vessels from its fleet (December 31, 2019, $9.2 million on 18 vessels), with installations expected to take place up to 2022. 

There were no other material contractual commitments as at December 31, 2020.

The Company is routinely party both as plaintiff and defendant to lawsuits in various jurisdictions under charter hire obligations 
arising from the operation of its vessels in the ordinary course of business. The Company believes that the resolution of such 
claims will not have a material adverse effect on its results of operations or financial position. The Company has not recognized 
any contingent gains or losses arising from the pending results of any such lawsuits. 

28.

CONSOLIDATED VARIABLE INTEREST ENTITIES

As at December 31, 2020, the Company's consolidated financial statements included 41 variable interest entities, all of which it 
has  been  determined  that  the  Company  is  the  primary  beneficiary.  These  variable  interest  entities  are  all  wholly-owned 
subsidiaries and own vessels with existing charters during which related and third parties have fixed price options or obligations 
to purchase the respective vessels, at dates varying from January 2021 to September 2025. 

At December 31, 2020, 28 of the consolidated variable interest entities have a vessel which is accounted for as investments in 
sales-type  leases,  direct  financing  leases  and  leaseback  assets.  At  December  31,  2020,  the  vessels  had  a  carrying  value  of 
$583.6  million  before  credit  loss  provision,  unearned  lease  income  of  $161.3  million  and  total  option  prices  at  the  earliest 
exercise date of $579.9 million. The outstanding loan balances in these entities amounted to a total of $356.4 million, of which 
the short-term portion was $73.8 million as at December 31, 2020. 

At December 31, 2020, 10 fully consolidated variable interest entities each own vessels which are accounted for as operating 
lease assets. At December 31, 2020 the vessels had a total net book value of $232.5 million. The outstanding loan balances in 
these entities amounted to a total of $90.1 million, of which the short-term portion was $13.9 million as at December 31, 2020.

The remaining three consolidated variable interest entities each own vessels which are accounted for as vessels under finance 
lease and had a total net book value of $297.0 million at December 31, 2020. The outstanding total finance lease liabilities for 
these entities amounted to $231.8 million, of which the short-term portion was $20.0 million as at December 31, 2020.

29. 

SUBSEQUENT EVENTS

In January 2021, the Company issued 0.3 million new shares pursuant to the Company's dividend reinvestment plan and At-the-
Market Sales Agreement offering.

On February 17, 2021, the Board of Directors of the Company declared a dividend of $0.15 per share which will be paid in cash 
on or around March 30, 2021.

In February 2021, Seadrill and most of its subsidiaries filed Chapter 11 cases in the Southern District of Texas. SFL and certain 
of its subsidiaries have entered into court approved interim agreements with Seadrill relating to two of the Company’s drilling 
rigs, West Linus and West Hercules, allowing for the uninterrupted performance of sub-charters to oil majors while the Chapter 
11 process is ongoing. 

F-65

 
 
Pursuant to these agreements, Seadrill will be allowed to use funds received from the respective sub-charterers to pay a fixed 
level of operating and maintenance expenses in additional to general and administrative costs. In exchange, SFL will receive 
approximately 65 - 75% of the lease hire under the existing charter agreements for West Linus and West Hercules for the same 
period. 

With regards to the third rig, West Taurus, the lease has been rejected by the court and the rig will be redelivered to SFL within 
approximately  three  months.  This  rig  is  debt  free  and  has  been  held  in  layup  by  Seadrill  for  more  than  five  years.  SFL  is 
currently evaluating strategic alternatives for this rig, including potential recycling at an EU approved recycling facility. 

In March 2021, the Company received a capital dividend of approximately $8.8 million from ADS Maritime Holding following 
the sale of its remaining two vessels. Also in March 2021, the Company sold its remaining shares in ADS Maritime Holding for 
a consideration of approximately $0.8 million. 

In  March  2021,  the  Company  agreed  to  purchase  a  container  vessel  with  a  long  term  charter  to  a  leading  container  liner 
operator. The delivery is expected to take place in the third quarter of 2021.

F-66